The most difficult thing for beginners in investing is to tear off what usually lies under the pillow and transfer it to a sphere slightly removed from their usual understanding of the value system money. That is, the maximum that some people see as a reliable and profitable investment is a bank deposit with all their convincing "blah blah blah".
You need to understand that a bank is just an intermediary who will transfer your money to more profitable assets, where he doesn't really need to work with a shovel. At the exit, you will receive only some minimal percentage of his total pie.
There are quite a lot of investment tools in the modern world that you need to be able to use and that can work much more efficiently than frozen assets. And it's really not difficult to learn this. The main thing is the desire to figure something out, not for someone, but first of all for yourself.
The main deterrent is, among other things, our mentality. Note that no one ever wants to take responsibility for themselves. For example, we transferred money to another card, something didn't arrive somewhere, and we immediately call the bank, take out the brain, and so on. Everyone is sure that the issue will be resolved, because this is a bank. That's one of the things they have to pay for, not to mention many other things.
And if you take everything into your own hands and determine the effectiveness of your capital yourself?
Yes, there is a risk. But that's why it's necessary to explore the economy, at least at a minimal level, in order to mitigate the negative consequences that may affect your investments.
When some people say that "I have already earned myself a decent pension," it makes me smile and realize that a person is completely unaware and does not understand who is the beneficiary of this entity and what the amount of his living wage actually depends on.the great fund, especially in the context of today's effective investment investment.
