One of the best investment tools is stocks. You become a partner of a company by buying stock. For this reason, a sector and company that you believe to develop should also be a business you trust to manage. The risk is high but the returns are high. If you do not have any knowledge or experience about stocks, you can start investing with 5% of your savings.INVESTMENT FUNDSYou have knowledge, you want to use it, but you do not have the knowledge and time. There are a thousand and one types of bonds, bonds, stocks. Expert institutions have created investment funds with you in mind. It is possible for the instruments such as mutual funds, treasury bills, government bonds and stocks in their portfolios to lose value as they act according to price changes. For example; If the bond / bill interest is expected to decrease, it should be bought, if it is expected to rise, it should be sold. Funds that mainly carry stocks are affected by the price movements of the stocks they carry in the Istanbul Stock Exchange. If the stocks in the fund lose value in the stock market, the fund also loses value.If you want to get more information about stocks, you can read our stock article.GOLDGold is a means of savings that loves an uneasy environment, and the demand for gold is affected by the developments in the world. Gold is a long-term savings tool. A certain percentage of each savings may be gold, but it may not be correct to make all gold. If investing in gold suits you, banks have gold accounts and gold mutual funds.GOVERNMENT BILLS / BONDSTreasury Bills are government bonds in TL or foreign currency with a maturity of less than one year and a maturity of one year or more, issued by the Turkish Treasury. When bonds and bonds are not sold until the end of the term, the return is known in advance. There are different types of bonds; voucher-free bond with coupon. It is possible to buy and sell according to the changes in the market before maturity.TERM DEPOSITOne of the most risk-free investment tools is time deposit. The yield of the time deposit is pre-determined and is not affected by interest rate movements until the end of maturity. So before you deposit your money into a time deposit account, you can see in advance how much income you will earn. In addition, you have the opportunity to determine the maturity date. Banks may offer the same interest rates as well as different maturity interest rates for different amounts of money.