What are assets and how to buy them. Investment leaders: what assets became the most profitable for the year. What can act as an asset

"Buy assets, get rid of liabilities"- roughly the same conclusion is made by a person who has firmly decided and gathered a variety of useful advice from popular literature on wealth and hundreds of sites on the topic.
If you remember that the great and terrible Robert Kiyosaki wrote “an asset - everything that puts money in your pocket, a liability - everything that sucks money out of it, outwardly everything looks great.
That's just - not quite the same as the American millionaire seems to be. And following this simple advice can lead to problems with your personal finances.

So what's wrong with the "buy assets" formula?

The thing is that this formula, as well as the description of the concepts of liabilities and assets, which was stolen from Kiyosaki's books on hundreds of websites and guides on personal money, is very simplified and distorts the real state of affairs. This is natural: the concepts that are given in popular books on finance simple on their own, but difficult to use because there are many additional conditions to be kept in mind. Now everything will become clear to you.
The point is that in a simple definition of assets and liabilities, there really isn't allows you to clearly separate them... Here's a very simple example. Let's say you have a certain asset, say, a high-yield commercial property. You get high rents, which are more than enough for maintenance and other working costs. But then, suddenly, a railway and an airport were built next to your house. The tenants fled in all directions, it is simply unrealistic to rent out living space at the same prices. And you still need to pay for utilities! As a result, income from the building less maintenance costs.
And what is this house like? An asset or a liability? After all, the house itself has not changed. It stands as it stood. But he began to suck money out of your pocket.
The house example is still very simple and straightforward. Certain objects can move from liabilities to assets with staggering consistency. This is pretty obvious and understandable. Well, now ask yourself: is it easy, will it be convenient to build your budget, your business, your financial plan based on such concepts? If they are so fickle? Should this be the foundation of your well-being?
Another example. An expensive car for which a loan is paid is, of course, the "king of liabilities"! Yes? But it can bring a lot of benefits, including in monetary terms:

• pleasure from a comfortable ride;
• high status (not only "show-off", but also a real increase in the prestige of a person in the eyes of business partners);
• finally, the car can be borrowed at 15% per annum, and the owner's business brings 40% per annum, and it is more difficult than asking for a consumer loan.

Well, how do you like this passive?

What was written above is all the lyrics you need to get you up to speed. Let's look at the problem more specifically.

First, some summary.

a) It is often hard to separate assets and liabilities (according to Kiyosaki). A lot of IMPORTANT AND USEFUL things do not bring us income - even our body: feed it, dress it, treat it, entertain it. Oh-oh-oh, but it takes our money!
b) Possession of things that require money, investments is not a sign of financial illiteracy.

In fact, dividing your property into two lists is absolutely unnecessary work. As I already wrote in a previous article on this topic (), Kiyosaki needed this separation to simply explain to any fool on his fingers and with a picture that he needs to strive to generate income and get rid of expenses (isn't it a terribly original idea?).

So that's it. For practical purposes (real financial planning, making decisions about investing or obtaining a loan, and so on and so forth) it is much more convenient to use the real concept of liabilities and assets - see the link above.

In short, liabilities do not really exist at all. They are in human relationships. These are loans, lending, accumulated profit over a lifetime (which no longer exists - it has turned into assets that actually exist - that's all we have).

So how do you use this new understanding? What will our formula look like in this case? It's very simple: manage your balance sheet wisely... Watch both column "A" and column "P". Don't be afraid to buy assets that have some liabilities (example with an expensive car above), but manage them wisely. And the correct (accepted all over the world!) Understanding of this balance will help in this. You just need to look at "what threatens" this or that action in relation to your budget. Any deal simultaneously affects both assets and liabilities- and this must be remembered.

To put it even more correctly, you need to operate with the balance sheet, and not with real-life objects. Let's remember the house in the first example. He became a source of liabilities from a source of income. But he himself remained unchanged. This means that we need to make the minimum impact that will help get rid of the harmful effects of the surrounding buildings, increase its attractiveness for tenants in other ways - then the profit will also increase. Do you understand? The task is not so mechanical: buy / sell profitable or unprofitable. The task is precisely to adjust the balance with your skillful management.

(If you've managed to read the article all the way down to here - and you still have a sense of misunderstanding - don't worry! Just keep working on your financial literacy - and understanding - real, deep understanding! - will definitely come!)

Assets- this is all that is able to bring money. And the liability, respectively, is all that takes away this money. According to many economists, in order to become rich, you need to get rid of liabilities and acquire assets. Yes, this is a simple formula, but if you figure it out, then it is.

Many people who are not familiar with the economic topic often confuse these concepts, but if you figure it out, it is not at all difficult to understand their differences, because these are completely opposite definitions.

In order to answer the question of how to acquire assets, you need to understand for what purpose they need to be attracted to yourself, and on the contrary, move away from liabilities as far as possible.

In simple terms, we can say that an asset is the generation of cash flow, that is, the sale of what you have.

What can be an asset?

The following things can act as an asset:

• Bank deposit;
• Leased property;
• Securities;
• Other items that are rented for the purpose of making a profit can be cars, personal items, clothing.

But the car and the apartment where you live is a liability, because you invest in these things yourself, take care of them and spend money on their maintenance. And, for example, if you work in a taxi on your car, then it acts as an asset. Passive Is something that can take money away.

Below are some tips for using how to acquire assets... If you have chosen real estate as an asset, then it is best if it will be foreign assets, from which you can get a higher income. You just need to be wise when choosing a country, it is worth remembering that it must first of all be economically developed. If you learn everything from you, then a year you can receive rental income of up to thirty percent.

If you do not have enough money to buy a home, then you can buy it on credit, cooperating with banks of other states, in practice it shows that there are more favorable offers for clients. But if this option does not suit you, then you can buy a property under construction, and when the time comes to sell it profitably.

Developing companies will bring good income, just first you need to study this area of ​​the market.

If you want to work with assets, but do not have the opportunity to acquire them, you need to start saving for them. Each salary needs to be set aside ten percent to invest the assets. At first glance, this may not seem profitable, but in practice it brings a good income.

It must be remembered that only those who invest big money in them can make big money on assets.

Anyone should get as much knowledge as possible about how to profitably buy assets and limit their liabilities.

The video below shows what they are.

Where do you get the assets? How to earn money? and Where can I find business ideas?

Not everyone who strives to make a million earns it, but those who do not strive will never earn it. The basic tenet of how to get rich is that wealth is the result of action, not knowledge. A rich person is a person with an income opportunity. That is, in a broad sense, this is what brings you profit, and not necessarily only monetary. The actions of those who strive to get rich (and this is exactly what they should strive for) should be aimed at increasing the quantity and quality of their assets.

Where do you get the assets? How to make money and where to find business ideas? There are two options: you can buy them, you can start creating them. There are also rare cases, such as inheritance, but we will not consider them due to their uniqueness.

To buy an asset, you need money. And more often than not, a lot. So, in order to get rich, you must already be so. It turns out a vicious circle. What if there is no money? Then the necessary must be created. You cannot create assets or figure out how to get rich without controlling your money. You should constantly monitor your income and expenses, and spend less in each month than you earn. You can also borrow funds. For example, I already wrote about starting a business.

The rest of the funds should be invested, for example, open a deposit in a bank, purchase securities, etc. This stock cannot be spent on buying a TV, car or on vacation. This is your stock - the beginning and basis of future wealth. You need to start such actions even if you have a small income. Keeping track of this will allow you to develop a good money management habit.

Goal setting is also very important - it's a very powerful tool. A correctly set goal, also approved in writing, has the ability to come true. Therefore, be sure to set yourself a clear goal and write it down. But what is “correct target”? This is the goal from which it is clear what needs to be done. For example, finding 5 new customers a day is a goal, but buying a car or increasing income by $ 1000 per month is a wish. Wishes are always the first to come to mind, but here you need to understand what goals to set for yourself so that these wishes can come true.

We have determined how to do this. But what to do? Where to start without any assets. Here the Internet can come to the rescue, its advantage is that it can always be at hand and available at any time of the day. But remember that there is no freebie on the World Wide Web and is not expected, although many people understand this when they go a long and difficult path, meeting all kinds of scams and pyramids on their way.

So where to start your online career? How to get rich? Where to get business ideas?

There are a lot of options, but for each his own. First, analyze your potential, and the availability of free time. The availability of free time is important at first for making money online, since at the start, working on the Internet takes a lot of time. Small free funds in the form of web money will be a good help, although this item is not required, but it can speed up your career.

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Before starting binary trading, you need to solve a number of issues, including: the choice of a brokerage company, the type of binary option, the type of the underlying asset. While the first two questions can be easily resolved, the choice of the underlying asset can put a beginner in a difficult position. The thing is that the broker offers its clients a huge selection of trading instruments, such as precious metals, oil, currency pairs, stocks, futures, indices. This is where the problem arises, which asset to choose?

Let's start with the commodity market. It is represented by trading instruments with a high level of volatility. These assets are quite stable and easily predictable, in contrast to currency pairs, where a trader needs special knowledge in the field of technical analysis. The most popular is gold, which should be preferred at the beginning of your career in the binary options market. Gold trading does not cause any particular difficulties for beginners. The situation is easily predictable and rarely goes beyond the standard framework. With the skillful use of technical analysis, you can get reliable signals about entering the market to open a position, so this asset is ideal in this regard.

The stock segment of the market is represented by stocks, bonds and other securities. As a rule, the broker offers a limited number of assets that are directly related to the world's leading companies, such as: Gazprom, APPLE, Coca-Cola, etc. It is preferable to make investments in securities in the long term. This is a profitable investment of money, especially when using strategies based on technical and fundamental analysis. As for the trading process itself, it can be volatile. For example, you can trade only at moments of important news release that can dramatically change the price of a security. If you closely monitor the situation, you can make good money on this, including when using short-term option contracts.

The currency sector of the Forex market, at the moment, is the most demanded. It is here that all major currency transactions are carried out. This asset is extremely diverse and affordable. You can choose any currency pair, both popular and exotic. At the same time, you need to take into account the fact that this asset is quite difficult to predict. Indeed, currency quotes are influenced by a variety of factors, both technical and fundamental. When predicting a situation, you simply cannot do without technical and fundamental analyzes, which include a number of additional tools, such as: price charts of underlying assets, technical indicators, economic calendar, analytics, newsletters, history of trading bars, etc. Exactly therefore, the beginner's attitude to currencies must be very careful. It is better to start with simpler and more stable assets, and only after gaining the necessary experience, gradually move on to currency trading. But if you nevertheless decide to start with the currency sector, then we recommend that you pay attention to such assets as: GBP / USD, USD / JPY, USD / CAD, USD / CHF.

Let's talk about another fundamental and very important topic - assets and liabilities... If you have read Robert Kiyosaki, then you will understand me perfectly - there is an opportunity to refresh your knowledge, remember what you once read, think and start acting (if you have not already started).

Definitions of an asset and a liability

According to Kiyosaki's definition:

• an asset is what brings money into your pocket
• liabilities are anything that takes money out of your pocket.

An important rule follows from this: you need to acquire assets and get rid of liabilities... The statement is so simple and even banal that it is possible not even to pay special attention to such a "trifle". However, today we will consider this in more detail, because there is a lot in this simple phrase. Rich dad told young Kiyosaki that this is all you need to know to become rich.

But, as you know, the devil hides in the little things.

You need to clearly know what is an asset and what is a liability. Very often people confuse these concepts, taking one for another.

Assets - what brings money to your pocket, that is, generates cash flow (cashflow). Or it is what you have and that in the future you plan to sell and get more money for it than you spent.

What can be an asset?

1. Real estate leased - it generates cash flow to its owner.

2. Stock that you bought for a long time (buy & hold strategy - buy and hold) - in addition to the fact that dividends are paid on shares from time to time, over long periods of time the portfolio of shares of successful companies grows in price, which means that in a year or 5-10 years the shares can be will sell and earn a considerable profit.

3. Any other stuff leased out and bringing money to their owners (for example, a car, equipment).

4. Shares mutual investment funds (mutual funds)

5. Deposit in the bank

However, the house (apartment) in which you live is NOT an asset, as many mistakenly believe, because this housing does not bring you profit. On the contrary, you pay the rent, buy furniture. Therefore, in this case, it is a liability.

Also, your personal car is not an asset, because not only does it not bring money, but also requires maintenance (gasoline, repairs, fines, etc.) - this is a liability. However, if you rent your car and get paid for it, or, say, you work in a taxi and make money with your car, then this can be considered an asset.

Liabilities - that which takes our money away. For example, we pay for the apartment we live in. We spend money on gas and maintenance on the cars we drive. We pay interest on bank loans. These are all liabilities!

Balance of assets and liabilities

However, you will not be able to completely get rid of liabilities. Or you will have to significantly lower your standard of living (how do you imagine living without housing?) The trick is that you need to maintain a reasonable balance between assets and liabilities. That is, you do not need to strive with all your might to acquire all kinds of luxury goods (liabilities) that will pull money from you. If you look around, you can see a lot of people who do just that - living beyond their means. On the contrary, you need to know when to stop and not get involved in the financial bondage of loans.

A financially reasonable person will strive not to increase his liabilities (as most do), but, on the contrary, to reduce them and acquire assets, because he is confident that the assets will make him rich. Look at the billionaires - they are all owners of stocks, real estate, businesses, factories, oil rigs - all these are assets, though on a different scale. Assets allow you to achieve financial independence, when it is no longer a person who works for money, but money works for him. By acquiring assets, we are approaching no longer working all our lives for money - the time will come when our assets will work for us and provide us with a comfortable existence.

Of course, rich people can afford to keep liabilities in the form of a suburban mansion, a prestigious car, but this is due to the fact that income from assets allows them to do this harmlessly.

If from assets you have only work for hire, and from liabilities - borrowed loans - you should think about where, in which direction you are going, to wealth, or through the vicious circle of poverty "earned - spent".

Assets bring income, liabilities bring expenses.