5 destinations where you can invest your money

There are 5 safe investment destinations for individuals in which they can safely save their money without exposure to risks and save money from devaluation.

Dr. Ashraf Ghorab, Vice President of the Arab Union for Social Development in the Arab Action System of the League of Arab States for Economic Development, monitored 5 safe investment destinations, namely:

1- Certificates of savings

He explained that the first of these methods is the savings certificates offered by Banque Misr and the National Bank for a year, with an annual interest of 25% and an interest of 22.5%, with monthly returns.

  Before that, banks offered a certificate with an interest rate of 17.25% for a period of 3 years, indicating that these certificates are a safe investment because their benefits are high and they are free from any risks, losses or taxes.

He added that investment certificates are the best and safest investment for individuals, and they can be guaranteed by obtaining a loan from banks.

2- Investing in treasury bills

   Investing in treasury bills offered by the government, which gives a large return within a short period, which may be 3, 6, 9 months or a year, with a large interest rate that may reach 18.8% for a year, and 20.88%.

It is considered the second best safe investment after savings certificates because it is safe and can be liquidated at any time, knowing that treasury bills start with a certificate within the limits of 25 thousand pounds, and one of its advantages is obtaining interest in advance.

3- Investing in gold for the long term

The third safe investment destination is investing in gold, by resorting to individuals saving their money so that its value does not decrease over time by buying gold bullion.

But investing in gold is long-term and fraught with some few risks, and it is required that the person study and monitor the gold market until its price decreases, then he buys it according to his financial ability, and waits when its price rises sufficiently, then he sells.

It must be noted that those who invested in gold during the past few months achieved a large profit that reached 100% in a short time.

It is expected that gold will achieve gains during the year 2023 according to preliminary indicators, in light of the economic tensions and crises that the world is facing as a result of the Russian-Ukrainian war and the impact of the financial and stock markets on it.

Indicators indicate that gold is likely to witness an increase in prices, as the US Federal Reserve continues to reduce the rate of interest rates, which increases the demand for gold.

4- Real estate investment

The fourth destination for safe investment is real estate investment, by buying a residential or commercial property or shop and renting it, then waiting for quite a period of time until real estate prices rise, then selling it and making gains from it.

  This type of investment is long-term and does not achieve a quick profit, but requires the passage of a number of years, in addition to the fact that the law stipulates the imposition of a tax of 2.5% on the sale of land and real estate in total.

It can be said that investing in real estate is considered one of the best types of long-term investment because it preserves capital and protects it from price fluctuations, and it also generates a large income for the owner without making any effort and does not achieve any losses.

5- Investing in securities

The fifth destination of safe investment is investing in securities on the stock exchange, which is a kind of hedge against currency depreciation, especially with the rises in listed securities during the past months.

This type of investment is considered by some to be one of the best long and medium-term investments in order to achieve gains for the investor, but this type of investment requires experience in this field because it is fraught with some risks.