The article reveals the essence of investment processes as the most important factor in the development of the economic system, presents a methodology for assessing the effectiveness of investments, as well as possible directions for their encouragement, and offers recommendations for improving investment efficiency.Investing is essential to good money management because it ensures both present and future financial security. Not only do you end up with more money in the bank, but you also end up with another income stream. Investing is the only way to achieve both growing wealth and passive income.