How to start investing if you have only 1000 rubles

Investments today is fashionable or necessary? On the

network you can find many tips and marathons for beginner investors, and their authors say that you can start even with a minimum amount. And partly they are right – but only partly. Investment expert Dmitry Tolstyakov explains what issues you should solve before going with a thousand rubles to the exchange.

Question 1. And you definitely want to invest?

Before you start investing, you need to carefully evaluate your current financial situation. If you have a very small amount, it is likely that everything is not too good with the budget – which means that first you need to deal with expenditures and your income.

For investment, income must exceed expenses. If now you are in a state of peculiar balance – that is, there are enough income exactly to life until the next salary or the same thousand rubles remains – then you still need to work first with the current financial situation.

Either look for extra expenses, or raise income. It makes sense to invest when you know exactly that you have a certain amount for this monthly. Because regularity and discipline is one of the foundations of successful long -term investment.

Question 2. Do you have a airbag?

It’s not about the car, but about the guarantee of your financial security. According to experts, each person should have an amount that you have enough for 2-3 (and sometimes up to 6) months if you lose the main source of income. You can call it as you like – a pillow of safety, a reserve for “black day”, “nz”. The main thing is that it should be. And before you start investing, make sure that this amount lies in your account.

Question 3. And there are loans?

If you are paying a loan now, it is necessary to calculate what is more profitable – to extinguish it ahead of schedule (that is, each month to invest in it the money that you planned to invest) or still go to buy shares and funds.

You need to look at interest: how much do you pay for a loan and how much can you get from investments. In the case of a mortgage, early repayment may not be profitable (for example, you have a preferential rate of 6%), but consumer loans are almost always profitable to extinguish ahead of schedule. Therefore, if you have loans for an iPhone or household appliances, first repay them, and after thinking about investments.

Question 4. How are you feeling?

Your well -being is the most important investment. It is much easier and cheaper to prevent health problems than then engage in treatment.

Therefore, if you have not cared about yourself for a long time, it is better to spend the money on this: to go through the check-up, cure your teeth, sign up for a doctor, to whom you have long planned to get. And after, when all the problems are resolved, start studying investment.

Question 5. Do not want to improve qualifications?

Investment in yourself is very important. If you now have only a small amount of free money, then you have where to grow. Invest in your training – take financial literacy courses, a course of advanced training or set a related profession that will bring you more money over time.

Even just good books on psychology will help change thinking or give an impetus for growth so that the initial amount is higher than the current.

And if you still invest?

I still advise you to accumulate a larger amount-and enter the stock market with initial investments from at least 100,000 rubles. On this basis, you can make a balanced portfolio, in which at first I recommend that I first include ETF funds (foreign exchange investment funds).

Of course, you can start investing and having only 1000 rubles in the wallet – I demonstrate it in the “Living Portfolio” section on my YouTube channel. However, with such investment, almost all profitability will go to the commission broker.

Let’s count. If the broker’s commission is an average of 200 rubles a month, then you will pay 2,400 rubles per year. So, if you invested 10,000 rubles per year, you lost 24% on the commission! The average profitability of the Russian stock market – 18% per annum since 2000. That is, you just lose money.

Therefore, I would consider such investment rather as training, and not an attempt to enrich myself. So my advice is this: if now you cannot invest at least 50,000 rubles, then begin to save money on a separate account or card with a percentage for the balance. Learn the materiel in parallel – for example, go through the investment course – and make a competent portfolio.

And go to the market when the amount in the account grows to the desired. And most importantly – in no case do not carry your money to muddy offices that offer 100% per month. This is one hundred percent fraud, and it will be a pity to lose even a small amount in it. Choose reliable brokers and safe tools.