Investment training. Investment training with guaranteed results. Free for beginners and pros. How to choose educational courses

The vast majority of citizens of our country do not even think about investing.

We are all accustomed to putting free funds “in stockings” in the old fashioned way, or, at best, opening a deposit in a bank.

And only recently people began to think that money, especially free money, should generate income. This principle is gradually visiting the minds of Russian citizens. That is why all beginners are advised to take specialized courses that teach investing from scratch.

There are many types of investment activities, but not all of them are suitable for beginners. To form an optimal and highly profitable investment portfolio, you need to gain some experience and, maybe, fail a couple of times.

So where can you start?

Depending on the types of investments, there are several investment training programs that can be subdivided as follows:

1. Real estate investment to which we have devoted a separate section.
2. Contributions to. This type involves working with the stock exchange. By investing in a PAMM account, you acquire a forex asset and entrust it to one of the traders to manage. Your profit will depend on the knowledge and skills of the trader. This type of investment training is suitable for those who are poorly versed in the principles of operation of trading exchanges such as Forex. The courses will teach you:

• choose the right trader based on the internal statistics of the exchange;
• be able to analyze the state of affairs in the foreign exchange market and predict their further development;
• correctly assess risks;
• receive a solid profit and compensation in case of loss.

What type of training and further investment to choose is up to you. But first, try to evaluate all the potential risks and the level of profitability of each type of investment.

Real estate investment education

Real estate investing courses will teach you several options for making a profit, each of which requires a certain amount of start-up capital.

Earnings on the price difference

Here you need a decent start-up capital to be able to buy a property and then sell it at a better price. The profitability of investments is obvious, but this way of earning is quite complicated. You need to have not only knowledge, but also business acumen, so as not to become a victim of unscrupulous realtors. To help you, there are training courses on investing in real estate, developed by Alexei Rossov, Stas Rozhdestvensky and Nina Medvedeva.

Daily rent of apartments

It seems like nothing could be easier. There is an apartment, you can place an ad and rent it out for a day. Only often then it turns out that the whole idea has become unprofitable. To learn how to properly prepare housing, work with realtors and avoid common mistakes, it is recommended to study courses on this topic from Svetlana Rukosueva and Stas Rozhdestvensky.

Investment in new buildings

Not everyone can invest in a residential building under construction - this requires very large sums, but the profit from such investments is high. You definitely need to study the programs of Alexei Rossov and Ekaterina Shulzhenko, which will help you choose the right developer, calculate promising construction and correctly complete the deal.

Bankrupt Auctions

Companies declared bankrupt sell their property at auctions. You can buy the necessary machinery or equipment, for example, for a penny and then sell it at a bargain price. But how do you know what will really be sold later, and what will remain your dead capital? How to correctly assess the liquidity of such property? A training course from Natalia and Yuri Pavlov can help here.

What does training in investment analysis give?

It is on it that all decisions that have ever been made in the economy are based. Any business or individual project necessarily requires investments, and any investment is fraught with risk. To minimize the level of risk and make the right management decision, you need to know the basics of investment analysis.

Investment analysis courses will help you learn:

• correctly form an investment portfolio;
• determine the discount rate for investment projects;
• calculate the indicators necessary for a competent analysis;
• assess possible risks and build optimal financial models.

At the end of any type of training, you will be able to make smart investment decisions, and no one will call you a newbie in the world of investment.

Investment is a great way to create a source of additional passive income. Many people are interested in how to invest money, and various sites offer thousands of articles on this topic. Unfortunately, you can’t just invest in the first project that comes across and immediately become a good investor. As in any other activity, investing has its own rules, laws, and in order to skillfully apply them in practice - need experience. In this article, you will learn what you need to do to learn how to invest from scratch or become a more professional investor.

By the way, a do you need any investment? Of course, they generate income, but many people do without bank deposits, stocks, bonds and live quietly on their salary. In the end, it's no secret to anyone that investing is risky, you can not only earn money, but also lose it! Well, I answered this question in sufficient detail in the article “ and why do you need them where you will find four compelling reasons why your savings should be profitable.

Haven't changed your mind? Well, let's figure out how to learn how to invest from scratch for a beginner and what you need to do for this. The content of the article:

Preparation and motivation

So, you want to learn how to invest wisely, where to start learning? The first thing you should remember: rush to nothing. No need to run headlong to invest in the hope of making money as soon as possible - it always ends badly. Banks and financial markets will not go anywhere and will accept your deposit at any time.

By the way, in parallel with immersion in investing, it is worth. This is the only way to manage your finances as effectively as possible.

To get off to a good start, it is important to prepare properly. To begin with, you need to start saving money from your salary, preferably at least 20%. This habit is important not only because it allows you to save money for investing, it also helps to put your finances into enrichment mode, because:

Rich is not the one who has a large income, but the one who has income exceeds expenses.

To invest with a clear conscience, you must have extra finances, outside of the monthly budget. Otherwise, sooner or later it will become difficult to allocate money for investment and the process will stall.

You also need to think carefully about your motivation. Investment education for beginners is a long and sometimes quite complicated process, so you must clearly see the purpose for which you will do this. It is important to understand why you really need investments.

For example, my motivation to invest is the creation that will allow me to solve any issues I need: buying an apartment, a car, educating children in the future, and so on. These are long-term goals if you look closer to today, then I invest to show blog readers how realistic this is in practice. I want people around to think about investing and improve their financial position- this goal inspires me to dive into the topic further.

To become an investor, it is not enough just to know the rules of a competent investment of money. It is also important that you learn think correctly, see the world as an investor. This is not so difficult to do, because there are very good ones that give the novice investor the right thoughts and ideas - the basis of investor thinking. In addition, such books provide useful knowledge about the proper management of personal finances and financial literacy.

The first book I would recommend is The richest man in Babylon. This is definitely a great read for a novice investor: on the example of stories from the life of the richest city ancient world you can learn the basic laws by which money works. Including the basic principles of investing.

The second book on the "must read" list is Rich dad, poor dad. The author tells a lot of interesting things about finance, business and education, although not everything can be applied in our realities. Another thing is important - few books so motivate to study investing! This is just what a beginner needs, I highly recommend it.

Good stuff can be found on Youtube. I recommend you one good video, in which plain language talks about investments and financial management in general:

How to learn to invest as a beginner - theory

The theory of investing is not as complicated as it might seem. The basic principles can be told in an hour, and there is no higher mathematics in the calculations. On the blog, I have posted more than 10 articles on the main issues of investing. Of course, it is desirable to read everything, but it is worth starting with these:

The titles of the articles speak for themselves. Diversification- this is the basic principle of a reliable investment of money, which is followed by absolutely all investors from you and me to Warren Buffett. It allows you to reduce investment risks, which are not something mythical and terrible - they are well calculated in advance.

The diversification rule requires the creation portfolio- a set of investment instruments, according to which all the investor's money is distributed. One of the stages of portfolio formation is the definition investment strategy, which covers the entire process of investing money: from your global goal to the most small parts.

• and why is it an investor

In the future, you will constantly encounter these concepts and it is better to immediately understand what they mean. Yield is a measure of your earnings on investments, and drawdown- a measure of your possible losses. I recommend paying special attention to compound interest- with long-term investment (several years or more), they work real miracles. A concrete examples you will find these miracles in different financial markets in an article about reinvestment.

For starters, this will be enough, but still try to study all the materials of the rubric . More knowledge = more understanding of how investments work.

Learning to invest from scratch in practice

Theory is good, but money is earned only by practical means. There are many ways to invest money, but you can only achieve consistent results by becoming an expert in one or more of them. You should not take on everything at once, especially if you do not have a lot of free time to learn how to invest.

I also follow this rule and have focused my attention on investment opportunities on. This area seems to me very interesting for many reasons:

• easy access— the minimum deposit varies from $10 to $50;
• return potential- 30% per annum in dollars is real;
• variety of instruments– you can trade yourself or completely trust professionals;
• uniqueness- these are not standard deposits or shares, this is a specific area and it is interesting both to me and to readers.

Investing courses for beginners

And yet, the most convenient and fast way learn how to invest - take a training course. You will be guided by the hand from the basics to the nuances of each investment instrument, taught to choose the right investment options and act correctly in a variety of situations. At least if the training course is good, otherwise there are all sorts of things - now everyone and sundry becomes teachers.

I practically did not take courses on investing, because I did not meet good ones. Only one course in my memory stands out qualitatively -. This is the course general profile, there you will learn not only about investments in Forex, but also about many other things. What is included in the program:

As you can see, all the most important questions are covered - how to create a portfolio and control risks, how to put your finances in order, how to protect your deposits, as well as learning how to invest from scratch for beginners in a large number of instruments.

I hope the article gave you an understanding of how to learn how to invest from scratch as a beginner. After learning to invest in theory and after a lot of practice, you will feel confident in your actions and become an expert in your chosen direction of investment. After that, you can already engage in serious investments with an understanding of the matter. Learning how to manage your finances and make them generate additional income is a good achievement that will help a lot in life.

I wish you success in investing! If you still have or have new questions on any of the sections of the article - ask them in the comments.

(Add me in friends

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The low level of financial literacy of Russians has long become the talk of the town - both government officials and financial market participants do not stop talking about this. Therefore, efforts to increase it are usually perceived with a bang (regardless of what they really are and what results they lead to).

As a result, there was a fashion for training in this profile. Finding a course for investors is not a difficult task: financial companies vying with each other offer to teach how to work in the market, often for free. Another thing is who and what teaches students of such educational programs.

In this regard, it is interesting to look at how the educational process for mass investors is arranged in Russia. This is not about financial literacy lessons in schools or one-time educational events, but about the work of training centers aimed primarily at the middle class - adults who have real money.

Most free courses are created with the sole purpose of getting a client. For commercial enterprise the desire is not shameful, after all, business is business. Another question is how this company will earn in the future. An educational project with paid courses is interested in the financial results of clients - the more successful you invest, the more likely you are to tell your friends about them. A financial company has a completely different motivation. It is unlikely that a broker will talk about the benefits of deposits and insurance products, and a banker will describe the potential of investing in a hedge fund. Most likely, in the Forex market you will be campaigned for investing in currency pairs, in the stock market - in securities, management companies - in mutual funds, and so on. And signing up for a narrowly focused free course, you should not count on an independent review of the market or an objective comparison of different approaches to investing, not to mention the individual selection of assets.

As a result of this approach, and also due to the fact that financial companies and their training courses are aimed at people with low financial literacy, it develops dangerous situation. An investor, having received such an education, sees only a small segment of the market in front of him. As a result, a novice investor has a one-sided idea about investing and even an absolutely wrong one - about diversification and hedging. An example can be given: buying shares in different sectors of the exchange does not protect the investor from the general economic downturn in the country. But if the investor worked with shares in other countries or kept part of the savings in safe-haven assets, he could not be afraid of a national economic crisis. But this part was not included in the program of his training course - for example, since the broker does not work with these tools.

To take it on time correct solution and move from one asset to another, it is necessary, firstly, to know about the existence of such an opportunity, and secondly, to have at least a minimal understanding of the operation of the relevant tools. But such a niche training center will never teach clients.

How to choose educational courses?

It does not follow from what has been said that you do not need to learn investing. Education, as you know, in itself is one of the most effective investments. However, investors should take into account several considerations when choosing financial rates.

First of all, one should realize that no one will teach you how to work professionally in the financial markets in a week, or even in a month. This is what people learn for years, if not decades. Therefore, the most important thing that you should learn from the courses is to understand the basic principles of investing, how investments differ from speculation, what types of financial instruments are, how to choose them based on your own investment preferences, what legal and tax subtleties should be taken into account. In other words, you should not strive to delve into a specific narrow area, it is better to focus on creating a common broad knowledge base that will allow you to further understand what is happening as a whole and, if necessary, independently understand specific issues.

Second important point: you need to understand the business logic of the educational institution. If this is a highly specialized center with a financial company, you most likely will not receive objective data. Therefore, it is more expedient to focus on training companies that specialize in education plus, possibly, financial consulting. In the latter case, such a company, if it will pursue the goal in the process of training to grow new customers, then only as consumers of consulting services, and not to drive people into specific market segments.

Alas, it is not always possible to clearly understand the business model of an educational organization. Therefore, we can recommend using the third recipe: look at the teaching staff and lesson plan. Topics should be varied, and the teaching staff is staffed by representatives of different areas, necessarily with practical work experience. It is better if it is an expert recognized by the market who values ​​his reputation. Ask the course organizers about the biography of the teachers. If they do not answer, then it is more reasonable to refuse such education.

And if you want to save money, it's better to buy a book on the topic.

RBC chose best courses on the basics of finance and trading on popular online education platforms recommended by Columbia University, which itself is actively developing the corresponding service. At the same time, we gave preference to courses that are conducted by the best universities in the world: that is, educational institutions that are included in the academic ranking of the Shanghai University ARWU-2015 in economics and business (The Academic Ranking of World Universities), as well as in the ranking of world universities according to the Times — (Times Higher Education).

All courses that meet these criteria can be listened to at English language, and they are available on three online platforms: Coursera, EdX, and Openlearn. In addition, we have included the curriculum of the Higher School of Economics, which can be found on the Open Education website, the Russian equivalent of Coursera, as it is the only investment course in Russian available right now.

“Online courses are good for getting a basic level of knowledge about investments,” says the head training center St. Petersburg Stock Exchange Pavel Pakhomov. According to him, it is reasonable to start with them for those who had nothing to do with finance before and do not know how to approach them. At later stages, Pakhomov advises to consult with specialists (for example, professional traders or managers) in person or participate in webinars dedicated to individual instruments.

Head of asset management ZerichCapital Management” Andrey Loskutov agrees that remote courses can help a novice investor get an idea about the securities market. However, he warns that these courses are good for general development and going forward, future investors will need detailed market research and further education. "Need to seriously study the financial statements and balance sheets of companies to understand how attractive they are for investment. Such tools are difficult to obtain in online courses, ”explains the financier.

Nevertheless, there is something to start with. Here are seven online courses on finance and investment top universities peace

Platform: Coursera

(Finance for Non-Financial Professionals)

Who conducts: UC Irvine (ARWU 51-75, THE 106)
Start: already underway, you can join
Price: 3.5 thousand rubles
Estimated travel time: 4 weeks, approximately 1-2 hours per week

This course is part of the larger Career Success program. Fortunately, you can go through it separately. It is suitable for beginners (the course description emphasizes that no special background is needed) and provides the most basic understanding of personal finance and investments: from the concept of "accounting" to more complex things like assessing the state of the market. This course is taught by University of California professor David Standen, the one who founded one of the first online MBA courses in the world. You can get a certificate only for the entire program, the passage of a separate course is not confirmed in any way.

(Financial Evaluation and Strategy: Investments)

Who conducts:University of Illinois campus Urbane-Champaign (38th in ARWU, 36th in THE)
Start: 25th of April
Price: for free
Estimated travel time: 4 weeks 6-8 hours per week

This course is not about finance in general, but about trading. So we are talking about investment tools, ways to create a balanced portfolio and assess the risks of investments. They also promise to provide students with the simplest technical skills: for example, use the Excel functions necessary for investors. The lecturer is Professor of Finance Scott Weisbanner, who has long been an economist at the US Federal Reserve. After completing the course, you can get a certificate, but - which is typical for Coursera and other similar sites - you will have to pay 4.2 thousand rubles for it.

How to make strategic financial decisions (Make Strategic Financial Decisions)

Who conducts:
Start: 25th of April
Price: 4.2-5.6 thousand rubles for one course 25.5 thousand rubles for the whole program
Estimated travel time: 6 weeks for each course

This is a full-fledged educational program that can be completed in whole or in parts. It involves four courses of about a month each, the defense of a graduation project and the receipt of a certificate. All courses are taught by University of Michigan professor Gautam Cole. He will explain to the audience what “time value of money” is, how to make financial decisions and carefully diversify a portfolio, as well as evaluate the real value of assets. Students who complete the thesis will receive a certificate. You don't need to pay for it.

(Financial Markets)

Who conducts: Yale (4th in ARWU, 12th in THE)
Start: Anytime
Price: for free
Passing time: 8 weeks

The Financial Markets video course is available on two platforms at once: and on the Yale University website. Hosted by legendary economist Robert Schiller, laureate Nobel Prize in 2013. Training program It is designed for 8 weeks - one for each topic. The student will be told about the basic principles of financial management, the psychological aspects of investing, the stock and bond markets, futures and options, the features of real estate investment, monetary policy and market regulation, as well as the social responsibility of the investor. All video lectures are accompanied by subtitles in English. At the end of each week, the student writes a test paper based on the results of the material covered, and at the end of the course, an examination test. If you want to avoid such formalities, you can download Schiller's courses from the Yale online education platform or simply view them on the page educational institution on YouTube.

Economist Robert Schiller. (Photo: AP)

Platform: EdX

Finance for Everyone: Smart Tools for Decision-Making

Who conducts:University of Michigan (12th ARWU, 21st THE)
Start: for free
Price: for free
Estimated travel time: 6 weeks for 5-6 hours

In fact, this course is almost identical to what the University of Michigan runs on the Coursera platform. It is even read by the same lecturer, Gautam Cole. The difference is that the edX course is free, as it is self-guided. That is, the listener gets access to lectures, but does not pass tests and does not write a thesis. At the same time, at the end of the course, you can get a certificate, but you will have to pay $ 49 for it (about 3.3 thousand rubles at the Central Bank exchange rate). All in all, a good option for those who want purely theoretical knowledge.

Platform: OpenLearn

Managing My Money

Who conducts:Open University in the UK (401st in THE rankings)
Start: Anytime
Price: for free
Passing time: 8 weeks

The pioneer of distance education in the world, the Open University in the UK, which was founded back in 1969, offers a wide range of courses for aspiring investors on its Open Learn online platform. A major advantage of these programs is that they do not require a fee in most cases. According to the Open University, the most popular financial program on its website is the Managing my money course, developed by the True Potential PUFin financial literacy center at the Open University. It includes both video lectures and extensive text materials, including an electronic textbook in Epub format. It is expected that the listener will gain an understanding of financial planning, investment instruments and ways of accumulating money, the basics of market analysis. At the end of each topic, the student must pass an online test. At the end of the course, it is proposed to write a final test paper for the entire curriculum. To take the course, you need to register on the Open University website.

Platform: Open Education

Analysis of financial markets

Who conducts: NRU Higher School of Economics
Start: April 18th
Price: for free
Passing time: 10 weeks

The online course "Analysis of Financial Markets", developed by teachers of the Department of Finance of the Faculty of Economic Sciences of the National Research University Higher School of Economics, can be taken on the "Russian Coursera" platform "Open Education". The training program is designed for 10 weeks with a weekly load of 6 hours. As part of the video course, the student will be told about the features of the functioning of the securities market and the work of its participants, as well as the basics of fundamental and technical analysis of shares. Among the topics announced are methods for finding "quality" companies and securities for investment, which is very important for a novice trader or asset manager. In addition, each week the student will have to take 5-10 practice tests and pass at least ten verification work. At the end of the course, the student will have to complete a large final work, consisting of tests and calculation tasks. Even though online learning started on April 18, there are still 28 days left to join the curriculum.

Lose everything in 9 months

First Deputy Chairman of the Central Bank Sergey Shvetsov at a conference at the Higher School of Economics said that Russian brokers have only 80 thousand active accounts, and the average life of a brokerage account is nine months - during this period a person loses his investments. The regulator added that this is not a problem for brokers: “Since we have a population of 140 million, brokers have something to grind further. They are recruiting new citizens through the Inquisition.”