If you have already satisfied your heart\’s desire and have some money left over, you have probably already considered whether leaving your money in a nearly zero interest account is the happiest solution. Money is meant to make money, so it\’s time to figure out how to invest it 
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Of course, there are many beneficial savings and investment options, all of which have pros and cons, so if you are putting your money into one, or ideally several, products, it is a good idea to research as much information as possible before deciding between multiple options. If you are having trouble making a decision or are hesitant about what to choose, consult a professional financial advisor. In addition to various mainstream savings accounts, annuities, and building societies, you can also venture into more adventurous investments, such as mutual funds and the purchase of stocks and bonds.
bonds
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This form of saving is rather sedentary and not a good option for growing money, since interest rates are declining and returns only reach a maximum of 2% after a few years. This applies mainly to government bonds, while corporate bonds are more profitable, but also have risks to consider.
Mutual Funds
As far as mutual funds are concerned, the fact that the average person has to wait for their growth and dozens of stocks are part of it makes this investment method very low-risk.
Stocks
If one intends to keep one\’s money for the long term and maximize profits, stocks are just the thing. However, this also requires keeping a close eye on the market
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Whichever way you choose to value your money, experts recommend that you accumulate approximately 15% of your monthly salary, depending, of course, on your financial ability.