Funds Investment Stocks

Where to invest money: Stocks, funds, business and real estate

You can invest money in many ways. The most difficult decision is not how, but where. There are plenty of investment opportunities.

Before each investment, first clarify why you want to invest. There is a big difference between trying the investment first and then selling the investment, or using the spent funds, for example, for pension insurance. However, investing is not just about wanting to put away some money so you can use it later for any purpose. You will have to adapt to your dreams and goals in terms of risk profile and the length of the investment horizon.

Fund investing

We have already written a lot about mutual funds. Fund investing has advantages for small and medium-sized investors, who can regularly postpone amounts starting at several hundred crowns over units of one thousand crowns. The advantages of this form of capital appreciation are especially in the professional management of the fund.

The advantage is wider diversification than an investor with contributions in units of a thousand crowns could afford. Diversification is divided into several groups. Funds allow you to invest in various capital market instruments (stocks, bonds, mortgage bonds), the focus of the fund may be on one field (such as telecommunications, retail or finance) or region (BRIC countries, Central and Eastern Europe).


Compared to fund investing, shares mean a clearer investment plan and an investor, ie the shareholder should have more money at his disposal. A small detour is required here. You can also buy shares in hundreds of crowns, so there is no need to have more money. However, it is true that with a larger amount of money, you will buy cheaper, especially with a reduction in fees associated with investments. On the other hand, an investment plan is a condition. According to him, you will set an investment strategy.

As with mutual funds, you can buy company shares by business or by region where the company is based. The easiest way is to buy stocks by index or by basket. This method of investing in shares, in particular, allows less experienced investors to use the valuable experience of larger investors.

Purchase of real estate

Real estate offers an investment opportunity. Compared to shares and funds, they are more demanding on financing and evaluating information. Not every property can bring the desired effect to the investor in the form of rental profit. If more experienced investors can be copied for shares to a certain extent, this is missing for real estate.

Own business

The last option you can invest in is your business. As with real estate, this area places considerable demands on information and its evaluation. Conversely, funding requirements may be lower. If you are not sure about your business, you better not even go into business. If you fail, you lose money, time and nerves.