Accumulate cash : "Money should work" - is one of the basic rules of market economy. Every modern man understands this phrase, but at heart still want to their money work at herself. It is the fear of losing acquired by forcing many of our compatriots at home to save money under the pillow or in a glass jar. As a result, on one hand - money does not grow, on the other hand - each to himself guarantees the safety deposit. It seems to be simple and reliable. But a hundred rubles today - it's more than a hundred rubles tomorrow. From this point of view in order to save money, they need to invest. So, there are several ways to invest: 1) Investments in real estate. The logic is simple: yesterday, today and tomorrow, people will need somewhere to live, so real estate can always be sold. However, if it would sell the apartment tomorrow at the same price? Remember the pre-crisis prices and look at the situation on the market today. In order not to remain with the nose needs to constantly monitor the situation on the market - it can not afford not every private investor. 2) Investments in precious metals. The gold price may rise in the crisis - reflects Philistine. However, you believe that? Are you sure that by buying precious metals (or making a metal deposit at the bank), you will be able themselves to manage this asset? 3) bank deposits. The oldest and proven way. The bank pays a small percentage guaranteed for the use of money that allows you to gradually overstate their capital. The key word here: small. This is due to the fact that in the process of using your money will earn more numerous organizations, including the bank itself. The remaining money with the bankers will give you pleasure. 4) Investing in antiques. Old things are always in fashion. But perhaps you bought a painting for ten years will cost twice as much. However, such investment needs, firstly, a relatively large capital, and secondly, it is necessary to understand in this area. 5) Participation in mutual funds (mutual funds). Most likely, you yourself understand perfectly well that investment funds are deprived of many of the above deficiencies. By participating, for example, in the investment fund MMCIS investments you do not need to think and analyze that will cost more tomorrow, but that it is cheaper and you do not need to be an expert to examine the situation on the market. At the same time, on your money will not earn many middlemen, and the relatively low fee income for asset management is spent mainly on skilled personnel, knowledge of which, in turn, ensures augmenting your capital. In mutual funds there is no fixed rate, but the leaders of this industry are much higher than rates on bank deposits (for example, MMCIS investments yield in 2008 was 44%, projected profitability in 2009 - 50%). Why such a large income? Investment funds are the only link that connects companies in need of financial resources, and you, and insurance assets can be reduced to "no" to all sorts of risks. Thus, despite the variety of ways to preserve and increase the money, the most profitable at the moment are investing through mutual funds. Reliability, high rates of return, and no need to independently monitor the market conditions - are the main advantages of such investment.