6 Most Profitable Investment Opportunities For Predominant Phlegmatic Personalities.

Among the four basic temperament types, predominant phlegmatics have overtime proven to be the least financially independent because of lack of self-motivation in taking actions that could lead to their personal finance success, risk averseness, and fear of getting into uncharted territories unless when pushed. Notwithstanding, they are efficient business managers and administrators who can manage and grow the business of others and increase their earning power because of their natural efficient management and administrative qualities. But when it comes to personal investment in business which comes with a lot of risks and uncertainties, they are obviously laid back because of the fear of loosing money. 

It is basically for this reason that it's very rare to see an entrepreneur phlegmatic who invested money in building his own business from scratch because of the fear of risking his money. Consequently, he prefers to save or leave money in the bank. Asides achieving tremendous success in his career and making effort to rise to executive level which automatically increase his earning ability, he rarely achieves personal finance success or financial independence which is guaranteed in investing resources in starting his own business because he feels contented and lacks the self-motivation to do so. 

But phlegmatic personalities possess the enormous innate capabilities to successfully run a business and turn it into a brand but their main undoing is fear, lack of motivation, and staying put within their comfort zone. But, in this post, we want to look at some of the profitable investment opportunities that a predominant phlegmatic can possibly put his money into and be guaranteed of reaping the benefits without losing his money.

**Best Profitable Investment Opportunities For A Phlegmatic Personality**:

Any of the other temperaments, especially those who have the financial resources, but lacks the required patience to start and grow a business from the scratch, manage it very efficiently before breaking even can still take advantage of these opportunities as an investor to booster their economic power. 

But I'm specific about phlegmatics because they are the least motivated to be deliberate about personally growing and increasing their financial base rather preferring to save or leave their money in the bank, just because of the fear of loosing it. As matter of fact, if you're a predominant phlegmatic with little capital, I will encourage you to start a small scale business so you can be making little profits from the business because you often feel excited doing something that gets extra money into your pocket, regardless of how little it is. And since you also possess the patience and management ability to grow a business, you're definitely going to succeed in it. 

If you are a phlegmatic personality perhaps a career phlegmatic with the financial muscle, but the thought of losing your money has kept you laid-back in starting a business that will give you financial freedom, I will advice you to take advantage of some of these investment opportunities where you don't need to do any leg work, other than to invest, and watch your investments grow overtime. You can consider these below investment opportunities.

**1. Land Banking**:

Land Banking is one of the opportunities in the real estate industry that anyone with the financial resources can take advantage of and exponentially increase their return after some couple of years. If you're from or in some part of countries of the world where land can be acquired by purchase, then this is one of the most profitable investment opportunity you should consider going into, in order to grow or increase your financial base. The concept of this is purchasing some acres of land at very cheap rate in various underdeveloped areas within your locality, and as development tends to spring up in those areas due to government policies, you resell those lands at least four times the amount you bought them. 

Take for instance, an acre of land you bought for a $1000 in an underdeveloped area, and after five years that development is beginning to spring up in that area, you decide to resell it for about $5000. The prospect in this type of investment opportunity is that development must definitely spread to this areas due to some government's policies or other factors of development. Therefore, as a predominant career phlegmatic person, rather than leave your money in the bank and choosing rather not to invest it because of uncertainties or risk of not recouping it, you can be sure that there's no way you will loose your money if you go into land Banking.

**2. Buying Franchise**:

As a predominant career phlegmatic person who may not have the all the time and opportunity to start your own business, or maybe because of all the bottlenecks involved in registering and establishing your own business you become unmotivated about it. Buying a franchise could be your best option. You can pay a franchise fee to a franchisor who is already an established business owner to use its business name, trademark, and business model for a period of time to promote your own products and services. It isn't compulsory that you must start your own business from the scratch, but you can buy a franchise as a franchisee from a known franchisor and leverage on their success to maximize your opportunities. It's undoubtedly one of the most thriving investment opportunities in the world today.

**3. Shares And Bonds**:

One of the best and easiest way to grow financially and maximize financial opportunities is by investing in shares and bonds. Shares and stocks are offered by big companies or business organizations who promise to pay you an amount as interest for investing a certain amount with them. And for the period they are with your money, you are certain of being paid that interest. For bonds, this is when you lend or loan your money to a government institution or business entity for a time period with an agreement to pay you a specific amount of interest periodically, and payback the capital at the end of the loan duration or pay both the accumulated interest and the capital at the of the loan period. So, as a predominant phlegmatic with the financial power, and who is unwilling to contend with the bottlenecks involved in establishing your own business, but just want to live a quiet and private life, investing in shares and bonds is sure one of the ways you can increase your financial status.

**4. Save In Foreign Currency**:

If you're from a part of countries  of the world where inflation seems to be incessantly on the rise, and your country's currency is often performing so poorly among other currencies. It will of course be ill-advised to still save your money in your country's currency. This is obviously because inflation will definitely catch up with your it, and consequently diminishing its value. But converting and saving the money in foreign currencies that are doing better than your country's currency is sure the best way to go. You can open a domiciliary account with any local bank in your country, and have these foreign funds deposited into that account. This is obviously one of the best way to avoid inflation catching up with your money, and keep its purchasing power potent.

**Fixed Deposit Account**:

Just saving or having money in your bank account will add very little to no interest on it unless it's saved in a special account called a fixed deposit account. This is an account where you lodge your excess money in, or deliberately earmark a certain amount of money to be left in that account for certain number of months or years as the bank may propose. Different banks have varying interest rates and tenures for fixed deposit account. You can approach any bank in your country for more information on this type of account. You must be intentional about opening a fixed deposit account with the bank that has the best interest rates and terms of service.

**6. Crypto currency**:

Another investment opportunity you can take advantage of and increase your financial base is buying digital coins. More specifically is the Bitcoin which is the world's largest and most profitable digital coins. Today, one Bitcoin is worth over $64000 when some few years back it was $15000. Apart from Bitcoin, there are other commodities like Gold, whose value keeps appreciating with time and rarely does it depreciate. Therefore, as a phlegmatic or any other temperament for the matter, rather than leave your money in the bank with very little to no benefit from it, investing it in buying gold or Bitcoin is the wisest decision you can make today because you are certain of massively recouping your investment.

In conclusion, in this time and age there's no wise person that leaves their money in the bank for large number of years without investing it. The most successful business men and entrepreneurs in the world are investors. Their net worth isn't the amount of money they have in their bank account but the amount of assets and investments they have. Therefore as a phlegmatic who likes to see the savings in your bank account increase without the intention of expanding your financial base, that isn't the wisest thing to do. You can take advantage of any of the above investment opportunities and grow your wealth.