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The following is a companion article to the article where to invest my money, enabling us to better compare some of the major investment alternatives on the market, taking into account criteria such as investment horizon, return, risk, capital requirements, degree of difficulty and degree of liquidity.

It should be noted that the assessment given to each of the criteria of each alternative is a personal opinion and should only be taken as a reference, but not as an objective assessment far as advice. Before making an investment decision is advised to seek further information on these alternatives.

Knowing the assessment assigned to each criterion will allow us to better evaluate each investment alternative, but to do this, we must also consider other criteria or personal factors, such as our ability to invest, our profitability goals, our risk tolerance our skills and knowledge and also our personal preferences or tastes.

Create a business

Creating a business is to start a business from scratch.

* Investment horizon: the success by investing in building a business, usually occur only at medium or long term.
* Value for money: build a business is usually a very profitable investment where they can earn much money.
* Risk: Creating a business is often a profitable investment, but at high risk of getting poor results or losing money.
* Capital requirement: the amount of investment required to invest in building a business is usually high, although there are profitable businesses that do not require further investment.
* Degree of difficulty: to create and manage a business usually has a high degree of difficulty, as this requires having knowledge and skills in various business topics.
* Degree of liquidity: creating a business has a low degree of liquidity, because once the money invested in building the business, it is difficult to convert into cash.

Buying a business

Buying a business is to buy a business that is already in operation (acquire a transfer).

* Investment horizon: Unlike starting a business from scratch, buying a business has the advantage of being able to start trading immediately, have an established customer base, and having a recognized name, so its horizon investment tends to be short or medium term.
* Value for money: as it happens by investing in building a business, invest in an operating business also tends to be a profitable investment.
* Risk: buy a going concern is generally not at increased risk, provided that it has acquired a profitable business.
* Capital requirement: the amount of investment required to invest in buying a business is usually high.
* Degree of difficulty: purchase and manage a business usually has a high degree of difficulty, though less to start and manage a new business.
* Degree of liquidity: buy a business has a low degree of liquidity, because once the money invested in buying the business, it is difficult to convert it into cash.

Buying a franchise

Acquiring a franchise is to obtain a license or grant the right to explore a trademark.

* Investment horizon: like to buy an operating business, a franchise has the advantage of being able to start trading immediately, and to have a name or brand recognition, so that your investment horizon is usually short and medium term.
* Value for money: as happens when you invest in buying a business, invest in acquiring a franchise is also often a profitable investment, especially if it is a recognized franchise.
* Risk: buying a franchise does not usually have a higher risk, provided they have purchased a franchise recognized.
* Capital requirement: the amount of investment required to invest in acquiring a franchise is usually high.
* Degree of difficulty: acquire and manage a franchise usually has a high degree of difficulty, though less to start and manage a new business.
* Degree of liquidity: a franchise has a low degree of liquidity, because once the money invested in the acquisition of the franchise, it is difficult to convert into cash.

Debt

Investing in debt securities is to invest in the purchase of securities or financial assets such as bonds, debentures, bills, notes.

* Investment horizon, investing in debt securities investment is usually a medium or long term.
* Value for money: invest in debt securities generally present a moderate cost.
* Risk: the risk to acquire debt securities generally low.
* Capital requirement: the amount of investment required to start investing in securities generally certainly not high.
* Degree of difficulty: invest in debt securities typically have higher degree of difficulty, but require certain financial and market knowledge.
* Degree of liquidity: some debt can be converted easily to cash, although for others, not true.

Actions

Investing in stocks is to invest in the stock issuing companies listed on the stock.

* Investment horizon, investing in stock investing is usually a short, medium or long term.
* Value for money: investing in shares is often a profitable investment, provided that appropriate decisions are taken.
* Risk: the risk of investing in stocks is usually high, since the stock market tends to be a highly volatile market.
* Capital requirement: the amount of investment required to start investing in stocks is usually moderate.
* Degree of difficulty: invest in stocks usually has a high degree of difficulty, since it requires knowledge and experience that will allow one to make the right decisions.
* Degree of liquidity: buy stocks with a high degree of liquidity since the shares can be easily converted into cash.

Real estate

Investing in real estate is to invest in the purchase of real estate or real estate such as houses, apartments, commercial premises, land, etc.

* Investment horizon, investing in real estate is usually a long-term investment.
* Value for money: invest in real estate is often a profitable investment, provided that the appropriate properties are acquired.
* Risk: The risk of investing in real bins is usually minimal because of the difficult properties lose their value and, conversely, it tends to increase with time.
* Capital requirement: the amount of investment required to start investing in real estate is usually high.
* Degree of difficulty: investing in real estate does not usually present a higher degree of difficulty, as it is a simple investment that requires more expertise, but knowledge of the market.
* Degree of liquidity, buying real estate has a low degree of liquidity, because the properties cannot be easily converted into cash.

Currency

Investing in currencies is to invest in the purchase of currencies such as dollars, euros, yen or pounds.

* Investment horizon, investing in foreign investment is usually a short, medium or long term.
* Value for money: investing in currencies is often a profitable investment, provided, however, has spent a good amount of money and made the right choices.
* Risk: The risk of investing in currencies is usually high, because the currency market tends to be a highly speculative and volatile.
* Capital requirement: the amount of investment required to start investing in currencies is minimal.
* Degree of difficulty: investing in currencies usually has a high degree of difficulty, since it requires knowledge and experience that will allow one to make the right decisions.
* Degree of liquidity: buy currencies with a high degree of liquidity, as currencies can be easily sold.

Gold

Investing in gold is to invest in the purchase of gold either directly (for example, to buy bullion or gold coins) or indirectly (for example, to purchase certificates of deposits of gold, or investing in mutual funds specializing in gold).

* Investment horizon, investing in gold is usually a long-term investment.
* Value for money: investing in gold can be a profitable investment, but, generally, in the long term.
* Risk: the risk of investing in gold is usually negligible, since it is hardly an asset that depreciates and, conversely, its value tends to increase with time.
* Capital requirement: the amount of investment required to start investing in gold is minimal.
* Degree of difficulty: Investing in gold no greater degree of difficulty, as it is a simple investment.
* Degree of liquidity: buy gold has a high degree of liquidity, as gold can be easily converted to cash.

Mutual Funds

Investing in mutual funds are to invest in an investment fund formed by the voluntary contributions of money from individuals and / or legal, which is met by a Fund Management Company, which in exchange for a commission, is responsible for managing and investing fund money in a diversified portfolio of financial instruments.

* Investment horizon, investing in mutual funds investment is usually a medium or long term.
* Value for money: investing in mutual funds can be a profitable investment, but, generally, in the long term.
* Risk: the risk of investing in mutual funds tends to be minimal because investments by mutual funds are made by professional investors who invest in a diversified way, and besides, the funds are regulated and supervised by government agencies.
* Capital requirement: the amount of investment required to start investing in mutual funds is minimal.
* Degree of difficulty: investing in mutual funds no greater degree of difficulty, as it is a simple investment.
* Degree of liquidity, investing in mutual funds with a high degree of liquidity because the money invested in a mutual fund can be easily converted to cash.

Time deposits

Invest in time deposits is to deposit money into an escrow account for a specified period in the bank.

* Investment horizon, investing in time deposits is usually a long-term investment.
* Value for money: invest in time deposits is a bad investment.
* Risk: The risk of investing in term deposits is minimal time deposits are treated in safe investments and low risk.
* Capital requirement: the amount of investment required to start investing in term deposits is usually minimal.
* Degree of difficulty: to invest in time deposits no greater degree of difficulty.
* Degree of liquidity, term deposits have a high degree of liquidity, since it can withdraw the money invested at any time, although in some cases it is necessary to pay a commission to perform it.

Savings Accounts

Investing in savings accounts are to deposit money in a savings account at the bank.

* Investment horizon, investing in savings accounts is usually a long-term investment.
* Value for money: investing in savings accounts is a bad investment.
* Risk: the risk of investing in savings accounts is minimal savings accounts are treated in safe investments and low risk.
* Capital requirement: the amount of investment required to start investing in savings accounts is usually minimal.
* Degree of difficulty: investing in savings accounts no higher degree of difficulty.
* Degree of liquidity, savings accounts have a high degree of liquidity, since it can withdraw the money invested at any time.

One of the keys to success in business or achieve financial wealth is know how to use and build on the work of others, or know how to use and exploit other people’s time for us.

Success in business and financial wealth are never alone, always necessary to achieve the help of others, and the best way to take advantage of this assistance is using their work.

Only using the work of others can really achieve success in business or achieve wealth, the reason for this is that we have a limited time and with that little time we have is very difficult to achieve financial success.

For example, if we dedicate ourselves to providing personal service in exchange for money, would only have a few hours a day to provide that service, which would limit our revenue.

However, if we had several people who provide the same service for us, not just our time universally which is available to provide service, but also the time for all those people, greatly increasing our earnings.

Using the work of others, you create a leverage effect to allow us to earn more money than you would win if only we worked on our own, the greater the leverage, the more money you can win.

But besides this, use the work of others allows us to have as long as they do not have to use our time to learn things that others already know or can do, or do things that others could do even better than we.

Time that could use a more efficient, for example, to develop new projects to implement new business, or better yet, to spend with our family and friends, and have a better quality of life.

But knowing how to use and build on the work of others also involves knowing when to use, for example, if we want to start a business, it might be advisable to seek advice and hire people who know the type of business we want to start, and help us put underway.

And so once you create the business, should not try to do everything by ourselves, but to create a team of people to help us manage and make it grow.

However, if you do not have enough capital at first may not be appropriate to use it to pay high amounts in counseling, or pay people to do jobs that we could do.

Usually, when starting a business, the entrepreneur with a good team of people to help you manage the business, but also that the entrepreneur has to work very hard at it.

But if we really want to succeed in our business and achieve wealth, we must strive to use the work of others as much as possible, and ensure that our business someday come to work without having to rely on our presence.

And over time we have available to dedicate to develop new projects or businesses, and gather new equipment to help us put into place, and then to make them profitable.

The same in the case of investments, if we choose, for example, invest in real estate and build a property, but we know nothing about it, we should not waste time learning how to fund construction, architecture or law, but to find a builder, a contractor, an architect, and build a team that together know how to build the property we want.

Or, if you want to invest in real estate and rental properties, we should not do everything ourselves, but hiring a company to help us manage our properties, hiring a contractor to handle repairs and workers, and an accountant to pay the bills, make deposits and keep our accounts.

Or, for example, if we invest in any financial instrument that does not know very well, for example, invest in stocks, we could use to experts to invest for us, for example, in the case of shares, could simply invest in any investment fund specializing in stocks.

Knowing how and when to use the work of others is one of the main keys to success in business, and one of the main requirements in the pursuit of wealth.