Investments abroad.

I have long had a desire to protect my money from unforeseen situations; this can only be done by investing it abroad.

Investments abroad allow you not only to feel confident in the future, but also to obtain a residence permit, although after studying the issue, almost all illusions about the simplicity of solving this issue have disappeared.

At the moment, there are many ways to invest your money abroad - opening bank accounts, buying real estate, buying an existing business, buying shares or other securities.

Let's start with the simplest options:

1. Opening a bank account - in the Baltic countries this can be done even without personal presence, but in Europe you will most likely have to come in person.

The initial deposit amount ranges from 300 to 10,000 euros, sometimes it is necessary to confirm the legality of the transferred amounts. True, we are most often talking about amounts of more than 100,000 euros. This method is suitable for storing funds, and not for earning money, since interest on deposits in foreign banks rarely exceeds 3-4% per annum.

Opening an account does not give you the right to reside, but it can be an additional argument in favor of your ability to pay when opening visas.

The exception is visa options for financially independent citizens. 2. Buying shares of companies a stockbroker to purchase , although you are not buying the right to actual ownership, but just virtual shares, but you earn money when the value rises, just like on real securities.

Just don’t take risks using leverage ; its maximum size for long-term stock trading should not exceed 1:5.

The second method is much more complicated; when using it, the purchase is made through companies represented on real stock exchanges or specialized law firms, and you only receive the right to actual ownership of paper shares in the latter case.

And only in the latter case, when applying for a residence permit, can you say that you have invested in the economy of the country of your desired residence.

In this case, it is quite difficult to guarantee a stable profit; the price of shares can either rise or fall.

3. Real estate is a very interesting option, but you should approach its implementation creatively.

The cheaper the apartment or house, the less likely it is that you will make money on it; a low price most often indicates that the investment object is located in an inconvenient location or requires repairs, and may also incur high maintenance costs.

At the moment, investing in foreign real estate is really profitable, but you should buy housing that is located in prestigious areas and is easily rented out, and also does not require additional investments.

On average, you can earn from 4 to 8 percent of annual net profit from renting.

Purchasing real estate does not give you the right to permanent residence, but when applying for visas you are required to indicate your place of residence, and this is where having foreign real estate will help.

4. Business - for those interested, it is usually offered to buy a small hotel or restaurant; less often, a store; sometimes there are offers to sell agricultural land.

There are also a sea of ​​pitfalls here, the question immediately arises - Why is the owner selling such a profitable business?

Most often, the answer to this is quite simple - it is not profitable, the cafe has no customers, tourists rarely stay at the hotel, etc. That is, you can only buy if you have a clear development plan, for example, you bought a hotel and opened your own travel agency in Russia, after which you send clients on vacation.

Otherwise, no one will fully manage your business, no matter how realtors or intermediaries assure you of this. As for a residence permit, this is one of the best options; by purchasing a ready-made business, you get the opportunity to live in the country, because you need to manage the business.

Having looked through all the available options on the Internet, I came to the conclusion that for now an account in a foreign bank will be sufficient; more complex options require personal presence in the country chosen for investment .