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Investing can be tricky when you’re young, skint and running up student debt. We spoke to stock market expert Rodney Hobson who explained how to invest even if you haven't got much money!

Investing involves setting cash aside to grow in ‘real terms’ – that is, your money accumulates faster than inflation (the rising costs of goods and services) so that, eventually, you’re better off than you were before.

While investing has a reputation for being risky, good investing isn’t about gambling – there’s a difference between financial planning and get-rich-quick schemes. The greater the potential immediate rewards seem to be, the greater the risk of getting wiped out.

After all, that horse at odds of 100–1 will bring a great pay-off if it wins, but it’s more likely the bookmaker will pocket your stake and you’ll be back to square one.

So without further ado, here's our A–Z on how you can start investing your dollar!

So, what basics should you keep in mind?

It’s important to consider the total return you get from your investment. Some types offer you income, others capital gains (profits when you sell your investment) – or ideally both.

And don't forget there are usually costs of holding a certain investment, whether they be broker fees, maintenance work or storage. Then there are taxes to pay and inflation to account for before you realise your actual return...

1. Cash in the bank
   
   
   
   Seemingly a safe option as you know exactly what you’ve got, but cash itself isn’t a great investment – especially given the pitifully low rates of interest paid by banks and building societies. Interest rates are rarely higher than inflation, which means your money is actually losing value all the time.
   If you have zero appetite for risk or are deliberating a longer-term plan, by all means, put it in a savings account (opt for a tax-free cash ISA) to get some interest. Fixing for three or five years will give you the highest interest rates, but bear in mind you won’t be able to access it for the period, plus, you could lose out if interest rates improve.
   Whatever you do, just don’t keep your cash under the mattress. Thanks to inflation, it’s losing you the most money there, and if you get burgled you could lose the lot!
2. Invest in antiques, art, wines and collectables
   
   
   
   
   Collectibles can be quite cheap, so they are an affordable form of investment for those on limited means and you can learn as you go along. But if you think it’s an easy path to riches, you’ve probably watched too much Cash in the Attic.
   Investing in collectibles brings in no immediate income, and depends entirely on someone paying you more than the items cost you. There's also the added proviso that fashions come and go, so what is highly desirable today may be pass next year.
   You need to be an expert in whatever it is you’re collecting, otherwise, you’ll be taken for a ride by those who know what they’re doing. Buying and selling online is typically cheaper than using old-fashioned auction houses and gives you a much wider global marketplace.
   A good starter strategy is to source desirable items where there are fewer target buyers (such as online classifieds website Gumtree or a car boot sale) and selling them where the demand is highest (such as online auctioneering giant eBay or a club).
   Beware of falling in love with the items you collect – that turns the exercise into an expensive hobby rather than an investment!
3. Put your money into property
   
   
   
   
   The best single investment for most people, and the one that you should make as soon as your income allows it, is to buy your own home.
   Historically the value of housing rises faster than inflation and one day you will clear the mortgage. Rents rise year by year and you will always need somewhere to live.
   Once you’re on the property ladder you can climb up to more expensive properties as your income improves. As an investor, you can go one step further with buy-to-let, owning property that produces income as well as appreciating in value.
   The big disadvantages are that you need to commit large amounts of money to each investment, and it can be time-consuming keeping an eye on the property and the tenants. Make sure you set aside some money to cover hefty maintenance bills (which crop up whether you can afford them or not!).
4. Look into bonds
   
   
   
   
   Governments and companies borrow money and issue IOUs. Those issued by the UK government are known as gilts because the certificates used to have gold leaf around the edges to reassure investors how safe they were. You can purchase gilts (directly or as part of a fund) as well as equities through a broker.
   They carry a guaranteed interest rate and – usually – a date on which they will be redeemed, with the borrower buying them back at full price, known as the nominal or par value.
   The yield on the bonds (the amount of interest you get each year for every £100 invested) will reflect how safe or risky the investment is seen to be by investors. The safer the debt (the less likely the borrower is to renege on its debts), the lower the yield.
   Bonds issued by governments are known as sovereign debt and are generally regarded as safer than company debt because governments are less likely to go bust than companies (however, bear in mind that Argentina defaulted on its debts back in 2005 and Greece has been struggling to honour its obligations more recently).
   Unlike fixed-term savings accounts, you can sell your bonds at any time – but the complication with bonds is that you don't pay 100p in the pound to buy them. They trade at the market value – the price that investors are willing to pay.
   At times of low-interest rates, the price of bonds will rise, thus reducing the annual amount you receive for each £100 you invest. When interest rates rise, the market value of bonds falls.
5. Stocks, shares and equities
   
   
   
   
   Stocks, shares, equities: different names, same thing. Americans tend to refer to stocks while we in the UK say shares. What they represent is a stake in a company, an equal share in ownership and voting rights with one vote per share.
   Shareholders also sometimes get dividends (a payout from profits), usually twice a year although a few large companies pay four times.
   Like buy-to-let property, shares provide the potential for your invested sum to grow, plus income, because shares in growing companies increase in value and provide increasing dividends. But with equities, you can invest much smaller amounts at a time and they’re much cheaper to hold.
   If you’re nervous and don’t have a lot to invest you can put your money into a fund such as a unit trust or an investment trust, which pools your cash with that of other investors to invest in shares on your behalf. You have a manager doing your investment for you, so it takes away the worry.

Bende altını tavsiye ederim elinden geldiğince 1-2 atmaya çalış köşeye

borsaya yatırabilirsin dostum ben öyle yapıyorum

Güvenli yatırım istiyorsan gayrimenkul yatırımı yap kolay yoldan pora kazanırsın

Amacın birikim yapmaksa Bi banka hesabı aç kumbara gibi kullan Bi süre sonra faize koyarsın git gide 3 5 derken birikebilir

Bu yolla para biriktirilmez ki en iyi yol yatırım

Altın hocam yada döviz

Mobil bankacılıktan al sat ile cok rahat
Yatırim yaparsin

I save money in money. Private pension is a very future job.

Absolute4216' Alıntı:

Amacın birikim yapmaksa Bi banka hesabı aç kumbara gibi kullan Bi süre sonra faize koyarsın git gide 3 5 derken birikebilir

Genişletmek için tıklayın ...

Hocam en iyisi bence mobil bankacilik kullananlar icin söyluyorum altin yada doviz alip yüksekdikce deger kazanir hende aninda tl yapabilirsin

Sorun yok. yaptım ve herhangi bir ceza almadım

çok vakit yedi

valla kardesım altın alıcaksın yatırımın kralı yıllar gectıkce ucucak altın ben sahsen yapmıstım bı ara ama dayanamadım fazla

Ingilizce ogrenip host olmak yani ben olsam oyle yapardim

nasıl para biriktirebiliriz ki dayanamayıp harcayanımız çok ben de dahil

vadeye atabilirsin ne kadar cok o kadar extra para eklenir ?

mavi kartlılar da yararlansa keşke ne yöntemler var da işte...

Sativa' Alıntı:

Arkadaşlar Merhaba 23 yaşındayım ve üniversitem bu yıl bıtıyor . bu sürecten sonra ufak ufak yatırım yapmak istiyorum .bazıları bitcoin al diyor bazıları enparada faize yatırım yap diyor bazıları Bireysel Emeklilige başvur aylık 200-300 at oraya diyor.

Sizce en mantıklı yatırım nedir aylık 200 tl vermek yada 300TL vermek bana koyucagını düşünmüyorum . Bireysel Emeklilik mantıklı mı ? Ama bireysel emeklilik diyor ki sen bu sistemden 56 yaşında emekli olursun . iyide 56 yaşında emekli olmak istemiyorum bana böyle yatırım yapıp 10 sene sonra kullanabilcegim birşey olsun istiyorum aranızda böyle yatırımlar yapan var mı ?

cünkü ben tahminimce bu sekil gidersem hiç kenara para atamıyacagım

bu postta lütfen mesaj kasmak için sacma sapan mesajlar yazmayın sizden RİCA EDİYORUM.

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Hocam bende mydaxpay para birimi var ben şahsen yatırım yaptım fakat en başında yatırım yaptım birazcık. Asıl yatırımı şuan yapmam lazım fakat elimde nakitim olmadığı için yapamıyorum. Şuan içn 4 bin tl yatırım yaparsan aylık minimum 900 TL getirisi var ve bu gün geçtikce artıcak bu en ufak getirisi. Zarar etme şansın çok az. Ha nolur bitcoin üzerinden işliyor bu para yatırma işlemleri bitcoin fiyatı düşer sende biraz zarar edersin ama bi düşün derim şuan elimde nakit olsa acımam yatırımı basarım.

Kanka altın bu aralar baya kazandırıyor