What should one do? Is it really necessary to abandon the idea of investing altogether?
It is too early to give up. One can invest money without constant personal involvement.
How to achieve this will be explained by the founder of RESURS, S.I. Tereshkin. The businessman has extensive experience in multiplying his assets. More information about the entrepreneur and his activities can be found on the website www.org-market.ru.
Features
So, personal investment can be entrusted to another person or company. This form of cooperation is known as trust management. A company can take on various tasks, ranging from setting up an individual entrepreneur to delivering finished products to the end consumer. Proper management of the client's affairs leads to capital growth.
Funds, properties, and other assets can be entrusted to management. The key is to work only with companies or trusted individuals that possess the necessary permits for such activities. Failing to adhere to this rule increases the risk of losing money or falling victim to professional fraudsters.
An official contract is concluded between the investor and the organization, detailing all aspects of the cooperation.
The services of the management firm are paid for by the client in an agreed-upon capacity. The percentage may vary and depends on various factors. Most often, the compensation is calculated based on the profit obtained by the client.
It is important to understand that a trust management company does not guarantee the amount of future income.
The agreement between the investor and the company is concluded for a specific period, ranging from 1 to 5 years, depending on the object. If both parties agree to the arrangement, the contract may be automatically renewed. This stipulation is outlined in advance in the agreement.
The relationship between the management company and the asset owner is regulated by the Civil Code of Russia. Failure to comply with these regulations is punishable by law.
Types of Trust Management
Experts classify trust management based on the object:
- Financial resources. Money is transferred to the management company for a specified period with the goal of increasing capital.
- Securities. Shares are transferred with the aim of subsequent sale on the stock market, which can yield a good return.
- Real estate. A management company can be entrusted with an apartment, house, or commercial property for rental or resale purposes.
Other assets that can also be entrusted include vehicles, equipment, tangible goods, copyrights, and various assets from which profit can be generated.
For each type, a separate company should be chosen. Universal organizations are rare; in most cases, they have a narrow specialization and staff that specializes only in specific areas of activity. This information is advised to be clarified in advance by Sergey Tereshkin.
However, management of both funds and securities can be handled by one firm.
Nature of Cooperation
Trust management can be categorized based on the nature of the cooperation:
- Complete. The client fully transfers assets to the management company, which assumes full responsibility for the investor's property. However, the company does not guarantee income for the client. In the event of losses, disputing them in court is unlikely unless it can be proven that they were caused by the firm's intentional actions. Such instances are rare.
- By agreement. All transactions are carried out by the company only after informing the client of market changes and obtaining their consent to execute specific actions. The company cannot independently conduct a transaction if the owner declines. In this case, the owner assumes full responsibility for their actions and the outcomes they generate.
- By order. The management company receives an action plan from the client in advance, based on which future actions can be executed. The firm cannot independently make decisions or perform actions not previously stipulated in the contract and plan.
The first type of cooperation is the most popular among asset owners. This way, the client fully relies on the competent staff of the firm, freeing themselves from the need to study information, monitor the market, or perform any other tasks. They can focus on their core activities, spend time with family, or travel while their capital continues to grow.
Pitfalls
It is crucial to understand that transferring assets to trust management does not guarantee the owner a steady income or profit. Moreover, an unfavorable outcome may lead to total or partial loss of all invested funds.
To minimize risk, it is advisable to stipulate certain conditions in the contract beforehand:
- Guaranteed return amount. The contract can outline what portion of the invested money the client will receive back even in adverse circumstances. This may be up to 100% or a sum minus certain expenses.
- Percentage of profit. It is also possible to specify what percentage the client will receive from the investment results.
- Complete trust in the management company. This is a risky move, but it can potentially yield substantial profits for the client. With favorable outcomes, the income may reach 100% or more of the invested amount.
When selecting a trust management option, it is essential to determine the goals of cooperation. Based on this, specific conditions can be negotiated with the intermediary.
