Is it profitable to invest for a year? Where to invest money, or the most profitable investments. — Where to invest a million rubles

Good day, friends! A few years ago, a former classmate and I started a small flower business. As a result, a year after the start, I stepped away from business and took up my current activities.

My comrade did not give up his business and has now risen quite well. On my advice, he also successfully invested his free money, so everything is fine with him now.

Do you want to know where you can invest your money profitably? Which areas are the most relevant? For a simple “thank you,” I will now share valuable information with you.

Where is the best place to invest and invest money in 2018?

Are you satisfied with average income and no less than average standard of living like most “ordinary” people? If you are reading this page, then most likely not. People who are used to thinking with their heads have 3 main goals:

1. Financial independence.
2. Good health. They say that money cannot buy health. This is not entirely true. Quality medical care will always cost a lot of money.
3. Confidence in the future for yourself and your family.

Only thanks to assets can a person create a personal financial “airbag” and passive income. Remember pensioners, they did not have the opportunity to invest in their future, and now their modest pensions only evoke sympathy for them.

This article is not a guide on the topic: “Where to invest money for dummies,” but, nevertheless, it covers the main methods of investing and allows you to determine the further direction of development in this matter.

When it comes to offline investments, it is clear that this involves directly coming to the office, filling out a number of documents and losing a certain amount of personal time, but sometimes it is worth it, since the investor has certain protection from regulatory authorities, or guarantees from the state.

To bank deposit

The most common and most accessible way to invest money is by investing money at interest.

Of course, when it comes to a bank deposit, you should not count on an increase in funds, since the interest on the deposit does not even cover real inflation.

Warning!

At the moment there are a huge number of banks offering different interest rates on deposits and, as a rule, the smaller the bank, the higher the rates, the reliability of such banks may be questionable, but if you decide to invest money in a bank deposit, you are insured, even in the event of bankruptcy or revocation of the license, the money will be paid to you.

But in any case, you should not count on 100% reliability of a bank deposit, since political or economic circumstances can lead to the freezing of funds.

Investing money in a bank deposit - advantages:

1. Low entry threshold (from 1000 rubles/500 UAH);
2. Guarantee of return of invested funds in case of problems with the bank;
3. Fixed guaranteed profitability;
4. Possibility of quickly receiving funds (most likely with loss of accrued interest).

Investing money in a bank deposit - disadvantages: Low profitability, which does not cover inflation.

When opening a deposit, there are a few things to consider:

• For what period of time do you plan to invest the money (it is optimal to invest money for a period of 1-3 months).
• In which currency to invest money - it is always better to invest money in dollars and euros (35% in dollars, 25% in euros, 10% in Swiss francs and 30% in national currency).
• At what interest rate and in what bank should you invest money (it is better not to chase interest rates and choose a reliable bank).

In endowment life insurance (NCL)

A product that combines two functions: accumulation of funds and life insurance (death, accident, illness, disability, survival).

As a rule, the contract period is 10-30 years. This product can be used as an opportunity to invest money to achieve an expensive goal (buying real estate, paying for a child’s education, etc.), or use it as an alternative to a pension, having accumulated a round sum by the time of your retirement.

That is, at the end of the program you receive all the accumulated funds and additional investment income, but this income will most likely compensate for inflation rather than increase the funds.

Before investing money in an NSZ, you should consider this investment option from all sides and weigh all the pros and cons for yourself.

Investing money in NJ has a number of advantages:

1. After making the first payment, insurance protection begins to operate in full, i.e. upon the occurrence of an insured event, no matter how much funds have been accumulated, the entire planned amount will be paid, or the insurance company will continue to make payments so that the planned amount is collected on time;
2. Investing money in an insurance program is useful because these funds are not subject to confiscation, collection, and are not included in joint property in the event of a divorce;
3. Insurance payment made upon the occurrence of an insured event is not subject to personal income tax.

If you want to invest money in NJV, be aware of the disadvantages:

• Systematic payments (once a month, quarter, year);
• The danger of inflation, i.e. by the end of the insurance period, the invested money may seriously depreciate (if you invest money in an NSZH, it will be pegged to the dollar or euro);
• You cannot withdraw invested funds ahead of time without loss.

This method of investing money should only be used to diversify an already well-formed investment portfolio.

Into precious metals

In years of economic instability, people's eyes turn to what has always been in price - gold. Of course, there is an opinion that the era of gold has passed and the future belongs to electronic currencies, but a person really only owns what he can hold in his hands. In addition, gold always covers inflation.

When asking the question: “How to invest money in gold and other precious metals?”, you should pay attention to the following, most common methods:

Attention!

Unallocated metal accounts (UMA). This is an opportunity to buy a certain part of the precious metal, which is credited to your account in grams, which reduces the threshold for entering this instrument, since you can make a purchase from 1 gram.

Compulsory medical insurance can be opened in many banks; when opening, you should look at the spread (the difference between the buying and selling rates).

1. There is no need to buy a whole ingot and worry about its safety;
2. You can quickly close your account and get your money back;
3. When purchasing unallocated gold, VAT is not charged.

Investing money in compulsory health insurance – disadvantages: Unlike bank deposits, they are not insured by the state.

Ingots. A good option if you want to invest money for very long-term savings, perhaps even for future generations.

Investing money in bullion - advantages: Gold or 999 silver at a price as close as possible to the market price.

Investing in bullion - disadvantages:

• When purchasing, VAT is charged; when selling, VAT is not refundable;
• When selling back, the bank is required to subject the bullion to an examination (done at the expense of the seller);
• Necessity of storage;
• Long investment period (decades).

Investment coins. Investing in gold coins is a great alternative to bullion!

Advantages of investing money in investment coins:

1. Not subject to VAT;
2. The price is close to the cost of the metal from which they are made;
3. Are legal tender;
4. Practically not counterfeited;
5. Over time they may become of numismatic interest.

Disadvantages of investing money in investment coins:

• Relatively low liquidity;
• Long investment period (years).

Jewelry. Buying jewelry for the purpose of investing money should only be considered if you have the opportunity to buy jewelry relatively inexpensively, either in other countries or in the form of scrap jewels. metals

Advice!

In general, investing in gold and other precious metals should be done when you already have a formed “safety cushion” and a sufficient amount of liquid assets.

To sum up everything said above regarding drag. metals, we can say that physical gold and silver are a good tool for preserving funds.

To mutual investment funds (UIFs)

A mutual investment fund (MUIF) is a form of collective investment in which investors' funds are pooled into a fund for further placement in securities (or other assets) in order to generate income.

Those. you, within your share, have a certain share of each share and/or bond (this is especially true if we are talking about expensive assets) included in this mutual fund. By the way, you can even buy part of the share.

Depending on what instruments are included in the mutual fund, there are the following types of mutual funds, and, accordingly, options for how to invest money in them:

1. Share mutual funds are the most common, most accessible to private investors and the most risky type of mutual funds; money is mostly invested in shares, but you can also invest money in a certain proportion of bonds;
2. Bond mutual funds are the most reliable instrument if you want to invest money in a mutual fund that has a fixed return (usually small). You will primarily invest your money in bonds, but part of the mutual fund may contain some shares;
3. Index mutual funds – money is invested in stock indices; this is perhaps the best option for starting investments in mutual funds, because the result of the management company’s work will be visible when compared with the dynamics of the corresponding index;
4. Mixed mutual funds are a hybrid of stock mutual funds and bond mutual funds, i.e. they consist of both types of securities. Such funds have the most flexible strategies: they can consist of 100% stocks during market growth and 100% bonds during market declines;
5. Mutual investment funds are mutual funds in which you can invest money in other mutual funds, i.e. There is a diversification of investments between different mutual funds.

What will you win if you want to invest money in mutual funds:

• Diversification of investment risks;
• Control and transparency of the fund’s activities (all necessary information must be disclosed on the management company’s website);
• Professional fund management, which relieves you of the need to understand the intricacies of the stock market.

What will you lose if you decide to invest in mutual funds:

1. Constant payment of remuneration to the management company, even if the fund suffers losses;
2. Compared to instruments with fixed income, mutual funds are more risky, but at the same time they can be more profitable;
3. Compared to deposits, there are no government guarantees for the return of funds;
4. The need to pay income tax (paid upon sale of a share).

My opinion is that investing in mutual funds is not worth it due to low returns and high risk.

In business or real estate

Owning your own business is one of the most relevant investment options. Business can be different, but the ultimate goal of any businessman is automation of profit. But, for various reasons, business is not suitable for everyone.

Warning!

To invest in real estate you need to own sufficient capital.

Property in the right location is always a very good option to invest your money.

Investing on the Internet is a solution for advanced people!

In fact, the Internet opens up investment opportunities for people of any age, regardless of occupation or profession.

Let's remember the traditional offline option - a bank deposit; the state offers to invest money in a bank at 5-20% per annum (depending on the country), which does not even cover inflation. But the World Wide Web provides a wide selection of highly profitable investments (from 40 to 90% per annum).

Investing money on the Internet is also attractive because you are not required to:

• Contacts with “necessary people”;
• Large starting capital;
• Investment knowledge, experience and higher education.

That is, absolutely anyone can invest money on the Internet, and it doesn’t matter what your gender or social status is!

Why do I choose trust management? The point is this: you place your funds at the disposal of an individual manager or company.

They, using their experience, capabilities, tools and knowledge, increase your capital. The investor and the company share the profit received 50/50%, but other conditions may also apply.

By the way, a deposit in a bank is also a trust management. True, the profitability from it is much lower, since the bank itself invests in various assets and gives you only crumbs of its profits.

5 areas in which trust management is the most relevant:

1. Stock market (investing money in bonds, stocks, etc.).
2. Investing money in real business (real sector of the economy);
3. Forex currency exchange;
4. Venture investments;
5. Various investment funds and companies;
6. Hype projects;
7. Futures.

You, as an investor, are not required to actively participate or have special knowledge. The manager does all the work. The most important thing is to find a smart manager who would effectively and competently increase your contribution.

Each manager and the company as a whole works according to a standard scheme. Each investor must have his own personal account, where he stores accrual statistics and the history of account profitability.

Attention!

Deposits and withdrawals are carried out using bank transfers and popular electronic payment systems (WebMoney, Qiwi, Yandex money, PerfectMoney, etc.).

Trust management is perhaps the most popular type of investment:

• Firstly, the entry threshold is low. A profitable investment is possible from $100. It is also possible to invest money in rubles and euros;
• Secondly, there is no need to understand the specifics of foreign exchange markets yourself (the manager will do everything for you, your job is only to invest money);
• Thirdly, to receive the service there is no need to visit an office, which may not yet be in your city (everything is done via the Internet, including depositing/withdrawing funds);
• Fourth, ease of monitoring.

For the same reasons, investing money in trust management is also relevant for investors who own serious capital.

Where to find a successful and competent manager? Indeed, half the battle is to know where to invest money profitably, but the most important thing is to find a smart manager and a transparent company with which the investor could increase his capital. And here you have only 2 options:

Independent search for a successful company. Fortunately, there is no shortage of such companies on the Internet. But the downside is that you will only have to be convinced of their competence through personal experience. The site can be very beautiful, attractive, with a high rating and recommendations, with very eloquent profitability graphs.

But all this does not guarantee that the company really is such. Therefore, you will have to spend time, conduct experiments, tests, and risk your capital.

The second option is more preferable - this is advice from other experienced investors. A knowledgeable and honest investor who has tried various investment companies, who will warn against unprofitable sites, and also recommend where to invest money with maximum benefit.

It is important to understand the essence of investing on the Internet: not a single experienced manager will give you a 100% guarantee that investing money in his account is the best and safest. The foreign exchange market is dynamic. He does not stand still and is capable of changing in the shortest possible time in the most extraordinary way.

Therefore, no adequate trader has the right to guarantee profit. If you come across someone like this, know that they are lying to you, and blatantly. Even the most experienced and professional manager sometimes makes mistakes. Therefore, try to avoid promises of guaranteed profits.

source: http://site/www.profvest.com/2014/10/kyda-investirovat-i-vlogit-dengi.html

Where to invest money in 2018?

Demand creates supply, and today investors are offered dozens of places where investing money can be a profitable idea.

Startups

Startups are innovative companies that offer new technologies that simply did not exist before. Introducing new and unknown technologies into life and bringing them to the mass consumer is a very difficult task, which at the same time can bring thousands of percent of profit.

Advice!

Please note that: New startups appearing every day that require investment. But only 10% of them have been working for more than a year.

In order to make money on investments in a startup, you need to make sure that the idea, goal, plan, team in a young company are well interconnected, if the company understands what it needs and what it does - this is an important component of success.

There are quite a few examples where startups literally from scratch turned into million-dollar companies, enriching their investors along the entire development path. Today there are special startup exchanges through which companies and investors converge.

A startup exchange is a site where startups register themselves, their proposals, business plans and declare the required amount to start.

Investors select startups and invest in them. So each startup can have many investors. When a startup reaches the requested amount, the project starts working and if successful, it will reward its investors.

Now that the American press has stopped printing money in the same quantity, there is an opinion among rich and wise people that in the next 10 years no new markets will be born, since there simply will not be free funds in the world for this. In 2018, the startup market shrank. This was affected by both the crisis and solvency.

PAMM accounts

I am involved in this type of investment. A PAMM account is essentially very similar to a mutual fund, only it is managed by one person. A professional trader creates a special PAMM account with a broker. This account initially contains only its authorized capital, for example, $50,000.

Warning!

Over the past 7 years, many PAMM account brokers have been born and died. Whatever the managers of existing brokers say, today there is only one leader - Alpari.

It is this broker who owns the PAMM Account trademark, since it was he who came up with this system.

By the way, now foreign brokers also have PAMM accounts, for example, the Swiss bank DukasCopy, although the PAMM system there is closed to the public and is available only by invitation.

Profit in this type of trust management borders on an average of 4-6% per month and 80-100% per annum if reinvestments are taken into account. Moreover, it is reinvestments that allow you to multiply your own profits and allow you to earn more than 800%!

This is a very high percentage, despite the fact that with portfolio investments there are practically no risks, and the minimum investment starts from $10. As you can see, this is a place where absolutely anyone can invest a little money.

Alpari provides all the statistics and data about the manager’s work, displays his transactions and trading volumes. At the moment, there are PAMM accounts that have been operating for more than 4 years and bring stable profits.

Since managers have different trading strategies, the profitability of individual PAMM accounts varies. If conservative ones bring 4-6% per month, then aggressive ones can produce more than 170% profitability in one month!

Risk control

By investing simultaneously in 10-15 different PAMM accounts, you reduce risks to the bare minimum. If one account for the reporting month brings a loss, then the others will cover this loss with their profit.
PAMM accounts are available to everyone; from the moment of registration with a broker to investment it will take no more than 10 minutes.

Attention!

High profitability, virtually no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.

After five years of investing, I still haven’t found any downsides. This is a great opportunity to have passive income.

Investing in the stock market

If money is put in a bank for safekeeping, then it is invested in the stock market to benefit from it. The stock market is a platform where securities, goods and even services are bought and sold. The main platforms are stock exchanges. In Russia, this is the Moscow Exchange - a merger of two previously separate platforms, MICEX and RTS.

It is not the investor himself who has the right to trade directly on world exchanges, but an intermediary - a broker with the appropriate license. An investor opens a trading account with a broker and through it buys stock assets, such as securities and others.

Options

For me this is a very profitable type of investment. Not long ago I tried all the options options and I’m ready to tell you everything in detail.

A binary option is a contract with the condition that the price of an asset will rise or fall within a time period that you set. If your condition is met - the price of the asset rises or falls according to your forecast at the set time, then you make a profit. Everything is arranged in such a way that even a child will understand.

It’s best to give an example right away: You buy a binary option on Microsoft shares for 1 hour and indicate that the price will rise. If after an hour, the price of Microsoft shares is higher than at the time of purchasing the option, you receive 80% of the profit. If you invested $100, you could earn $80 in an hour.

You can invest in options for periods from one minute to a week; you set the investment period yourself. Among the assets are shares of the largest companies in the world, such as Gazprom, Facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. And also among the assets there are assets of the commodity market (oil, gas, gold), stock indices, currencies...

How to make money investing in options? Yes, very simple! Just follow the news. If you find out that Toyota is starting sales of a new series of cars tomorrow, this means their shares will rise tomorrow.

Advice!

All you need is to invest in a Toyota stock option with the condition that the price rises for 1 day or even an hour at the peak of the day or at the very beginning of it. If you find out that a tsunami flooded a Toyota plant, then their shares will fall and you can invest in an option with the condition that the price will fall.

Thus, you see that you can make money not only on the growth of shares, but also on the fall. And there is a lot of news about companies every day, and thanks to the large number of assets, you can invest in options every day. It is enough to make only 2 successful trades per day in order to earn more than $5,000 per month.

This is the most highly profitable investment; in just 5-15 minutes you can get 70% profit. There are many trades you can make every day. Assets include the stock, commodity and foreign exchange markets. Available to absolutely everyone, minimum investment is only $25

High returns come with high risks. Successful investment requires preparation and careful analysis of the asset. Due to the possibilities of super short-term investments, an investor must have psychological stability and have his own strategy.

I have a lot of information on my blog on how to make money on options, you can read a little more about them here - Investing in binary options.

Stock

Investing in stocks is a fairly old and classic way. There are different ways to invest in stocks depending on the company. The average return on shares ranges from 10 to 20% per annum.

But there are exceptions, for example, Nvidia shares gained 200% in 2017.

For established companies, on average, growth can be 5% per year. For example, Google is already a huge business, imagine what it needs to do to increase its value by 100% in half a year? It's practically impossible.

But for a small pizzeria, it is enough to open a couple of new restaurants and conclude lucrative contracts in order to increase 500% in a couple of months.

Buying shares through a broker is an interesting process, you can see for yourself - broker FINAM-EU (Just2Trade) is a subsidiary of FINAM, that rare international broker that allows you to start trading with a minimum deposit of $200, although Amazon shares cost 700 You can no longer buy dollars with a minimum deposit.

Follow the special link and get access. You will be able to see in practice how shares are bought and sold on the NASDAQ, XETRA, and other exchanges. There you can buy shares of Google, Microsoft and more than 10,000 other companies from around the world.

Warning!

In addition to already established billion-dollar companies, new ones are constantly appearing, the shares of which are very cheap, but their potential, as well as their price, can increase thousands of times. For example, Apple was once a small startup.

If you do not want to risk a lot of money but want to make money on shares, CFD contracts are an ideal option - this is trading on price differences.

The assets include more than 700 shares of various directions, for example Adobe, Electronic Arts, AMD, Ford and so on.

It is worth saying that eToro is now actively cooperating with Sberbank, which has invested more than $15 million in the company and this is a good sign, because the international broker is now regulated in the Russian Federation.

It must be said that eToro’s assets include not only stocks, but also all currency pairs, indices and commodities. The minimum deposit is $100, but I recommend starting with at least $150-200 so that you have the funds to copy multiple traders at once or to purchase multiple securities.

Shares can provide good returns, benefits and are long-term investments.

A minimum stake in shares can cost quite a bit of money, and shares of unknown companies are quite risky.

Metals

Buying physical gold for future use is one of the long-standing traditions of saving money. And these days, gold bars are available for free sale in almost all banks in many countries, including Russia, Ukraine, and Belarus. A gold bar can have different weights, it varies from 1 gram to 1 kilogram. Each bank sets its own price for it.

Please note that: Gold has experienced a price boom over the past 15 years, but has been inexorably losing value since 2012. Today, the future of gold is not entirely clear, and investments in gold can only be long-term.

This precious metal will not lose its basic value, but even a small drop in price can bring losses to the investor, because not only capital is lost, but also time.

Attention!

A few years ago, Warren Buffett sold all his gold assets and was right. I believe that in 2018 there is no need to rush to invest in gold, at least it is worth waiting until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that in 2017, mutual funds dealing with gold have already suffered losses.

Metals have a certain physical reserve, so there is no need to expect strong drops in price. Metals are long-term and reliable investments. Investments in metals are available to almost everyone who has a bank account.

The price of metals varies greatly among different economies. You should not count on a large percentage of profit. When selling gold in a bank, you must pay a tax of 13%, this is the percentage that can be achieved over several years of investment.

Compared to bank deposits, investing in the stock market is considered significantly more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment.

More voluminous in terms of money and types of companies is the foreign market, where even children know about shares. Investments abroad are mainly based on shares.

But in order to successfully invest in shares, it is not enough just to have money to deposit; you need to have a good understanding of business and be able to predict. For those who do not feel confident in these skills, trust management would be the best choice.

Bank deposits

Today, the most popular way for Russians to save money is to invest in a bank deposit. It inspires more confidence among citizens than investing in investment funds. Perhaps this is due to the inertia of thinking, because in Soviet times it was possible to invest personal funds only in a savings bank.

I would say that people do not invest money in banks, but simply deposit them. The only exceptions can be very, very large amounts.

Interest profits at bank rates are small, on average 7-9% per annum, and the state insures each deposit up to 700,000 rubles against unforeseen circumstances.

Among the most reliable banks:

• Sberbank (sbrf.ru)
• Vneshtorgbank (VTB) St. Petersburg (vtb.ru)
• Gazprombank (gazprombank.ru)
• Rosselkhozbank (rshb.ru)

They offer not the largest, but stable and reliable annual interest rates: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are a place where anyone can invest money, but it’s difficult to call it an investment. Only the banker can earn money in the bank, and the depositor can only save his funds.

Warning!

The advantages are that banks are relatively reliable and you will definitely save your funds.

Cons: 7-10% yield is not justified, since the inflation rate is exactly at this level. It's hard to call it an investment.

mutual fund

Mutual Investment Funds are also one of the types of capital investments where it is profitable to invest money relative to the bank. Mutual funds are created to attract investments for the purpose of trading on commodity and stock exchanges, as well as real estate transactions.

Mutual funds have long been the most popular places where not every person on the street could invest money.

There are several types of mutual funds:

1. Open-type mutual fund - here you can freely buy or sell shares.
2. Interval type mutual fund - shares are sold only after a certain time has passed.
3. Closed-type mutual fund - does not accept deposits from private investors. Typically, profits are paid at the end of the year.

A mutual fund can be considered as a trust management - you buy shares, and your money is managed by the company, as a result of which the prices of the shares rise. But as I already said, in 2018 the risks are high. If you decide to invest in some kind of mutual fund, you should not invest all your capital in them, but only some part. Mutual fund profitability ratings can be viewed on the following pages:

http://site/pif.investfunds.ru/ratings/
http://site/www.nlu.ru/pif-doxod-renking.htm

If you decide to invest money in a mutual fund, I advise you to carefully study not only the company itself, but also the market prospects, and also ask for plans, ask questions about the future of the market of managers and make sure that they are confident in their actions and know how they will act in different situations.

Mutual funds are managed by professionals, but even they cannot stop the fall in prices. In this case, you should not rush to sell shares. We need to wait until they rise in price again. In any case, in order to remain profitable, you need to invest in mutual funds for a long term of several years.

In order to earn money and be able to invest in mutual funds, you need to have solid capital. For the most part, investments in successful mutual funds start from half a million rubles.

At the same time, you need to understand that it is safer to invest simultaneously in several different mutual funds. Also, for a successful investment, you need to understand and understand the stock market, shares and the current state of the market, and other economic factors.

Advice!

A good mutual fund is highly reliable, as it is regulated by the state. In good years, profits can be up to 80% per annum. Limited risks depending on the specific conditions of each mutual fund.

Lengthy process of transferring and receiving money. If you do not live in the city where the mutual fund is located, then investments will be extremely inconvenient (signatures, documents, transfers). Good mutual funds may have high minimum investment thresholds.

Investing in luxury goods, real estate and internet business

One hundred percent return is not that uncommon in this free market. But only smart investors with good taste can sense what exactly may have the greatest investment potential.

The most reliable investments are investments in famous artists of the last century. For example, Andy Warhol's painting "Lemon Marilyn" was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

It is worth saying that the main buyers of art are not amateurs and collectors, but financial market players.

Not all investors understand painting or artists, but this does not prevent them from making money from it. Such investors attract special consultants who make an objective assessment of the asset, verify its authenticity, and accompany the purchase and sale process.

With a competent approach, they bring not only aesthetic pleasure but also high profits.

Requires a high understanding of the market. Assets generally do not have high liquidity, unless it is a painting by Monet or Van Gogh.

Internet business

Many young people like to invest money in online businesses. With the advent of the Internet, various ways to invest your capital have appeared. All income on the Internet is based on services, trade and advertising. There are people who invest money in websites for advertising or trading.

Warning!

The payback period for an online business is approximately one to two years. If you invest $60,000 in two projects, then in 2 years you can make a profit of 80-100 thousand dollars.

Many people invest money in creating their own online business or store. At the same time, it is not at all necessary to have your own warehouse. In this business, it is important to find a good supplier and the goods will go to their customers directly from him.

But in order for your store to be better and more famous than other competitors, you need to invest enough money in creating a functional website, advertising, and services. Such projects take years to implement, but the profitability is quite high.

A successful project can quickly pay for itself several times over and continue to generate profits for the rest of the time.

Investments in an online business can only be made if there are good offers, which, unfortunately, are few.

Real Estate Investments

Investments in real estate are quite conservative but profitable, especially during times of crisis and depreciation of assets. It is especially profitable to invest in real estate in large cities, crowded places and resort areas.

Investing in real estate requires a large capital investment, which not everyone has. But you can start small: invest in the early stages of construction. Once completed, the value of the building will increase significantly. Real estate can also be quite small, for example a garage, which will not require huge investments.

Investments in residential real estate. The price of real estate is growing regularly, and this fact is an indicator of high profitability from real estate investments. In the residential sector, it is better to prefer small one-room apartments, which are in high demand among the population.

Investments in commercial real estate. Investments in commercial premises bring stable income. There may be warehouses, offices, shops, beauty salons, etc.

Investments in overseas real estate. Investors buy foreign real estate and then rent it out. This is also not a bad investment method.

When purchasing any kind of real estate, you need to consider many factors:

• Location
• Proximity to bus stops, schools, kindergartens, etc.
• Facilities
• Availability of parking and many other nuances.

Most people associate the words “investment in real estate” with the goal of saving money, not multiplying it, so it is important to initially approach this issue very responsibly, to analyze the selected object not from the consumer’s side, but from the investor’s side.

Pros: Reliability, large selection of offers.

Cons: Not high profits; a minority have free money to invest in real estate.

Hello, dear readers of the financial magazine website! Today we will try to answer the question “Where to invest money”. After all, the difficult economic situation in the country’s economy makes us constantly worry about our own financial resources.

Therefore, we are constantly faced with many questions, first, where to invest money, to save and not lose, then where to invest, to earn money, to receive monthly income etc.

Detailed instructions: where to invest money so that it works and brings monthly income

If there is even a small amount of accumulated capital, then there is a real fear of losing it. That is why we are trying to be more literate in matters of investing money, exploring various profitable investment opportunities.

Of course, many of us are far from politics, the big economy and government methods of management, but this does not deprive us of the opportunity to study the experience of successful people, review expert advice, determine the best way to invest money to generate income. Such a detailed review of the situation will help determine the most profitable area of ​​investment money at the moment.

From this article you will learn:

• Where to invest money in 2019, so as not to lose— expert advice;
• Where to invest money to earn money (so that they work) at a high interest rate with a guarantee - the basic principles of investing money;;
• Let's look at where you can invest money in Russia + real ways to invest money depending on the amount of money.

Rules for investing money

1. Where to invest money so as not to lose - 5 basic rules of investing 💎

So, how to invest money so as not to lose it and what needs to be done to make it work and generate income? On our website we present the site 5 rules of investing which need to be taken as a basis. They will be a kind of " reference book”, which will help you take the most correct actions to preserve and save money.

These rules were developed through acquired experience and have proven their effectiveness over many years.

Rule #1. Free money

This is the first rule, which states that only those funds that are available after fulfilling all basic obligations and needs can be invested (invested), that is, we are talking about those not taken on credit/debt, etc.

Never take money to invest on credit or duty. It is worth understanding that a subsequent unsuccessful investment can lead to bankruptcy and limit the possibility of returning funds at the appointed time.

In addition, an incorrectly calculated economic budget for your own family will cause additional difficulties for you. After all, sometimes everyday problems that arise require an urgent solution.

Remember that personal loans, credit debts can not only rewrite your good history, but also ruin the relationship with close relatives, obligations to whom will remain unfulfilled.

But if you still decide to use a loan, then our article about how, even with a bad credit history, will help you.

Rule #2. Regular income

When investing your own money, it is important to realize that you can only count on the money that you manage to earn in the usual way, without resorting to the results of investments. We have already written in the article about where you can earn money without investments.

Divide these income items into 2 parts, one of which constantly increases capital, remaining untouched, and the second provides personal existence and is replenished monthly from stable sources.

Rule #3. Investment plan

Draw it up in advance, defining clear parameters. Consider all your possibilities and methods, try to choose 2-3 types of investment. At the same time, it is important to understand that the actions you plan can be adjusted taking into account the changing economic situation in the country. That is, the investment plan must be flexible and relevant.

Try to ensure that all available funds are not invested in one single project (investment method). Investing money in several projects will be most effective. Even if in some area it is not possible to achieve profit (there will be a loss), then other types of investment will correct the situation.

Rule #4. Don't waste your profits

This rule says that the money you earn should form and increase your capital. Many experts advise to quickly withdraw the money earned from investing in other investment objects.

Form your own investment portfolio and look for the most profitable new sources of investment.

Rule #5. Control your money

Try to take an interest in the movement of your own funds and assets as often as possible, paying attention to even minor nuances. This will allow you to avoid many mistakes and problems, and will also allow you to make the right decisions on investing your money.

In addition, you should be very careful about dubious And super profitable investment proposals. Carefully check all possible information on these types of investments.

It should not be forgotten that cases fraud have become significantly more frequent and it is not always possible to immediately determine the veracity of a company’s/person’s intentions.

Make inquiries about the company that plans to cooperate with you. Look through various reviews online and study the experiences of other people who have a history of investing in it.

Try to make preliminary calculations, pay attention to the totals. Too fast and high profits should alert you.

By remembering these simple rules, it will be easier for you to navigate your own capabilities. It is worth understanding that only a thorough study of the situation and the proposals received will help you become a more competent investor.

We are used to trusting the words of our friends, parents, and relatives, but the situation changes daily and yesterday’s profitable investments can result in today’s risk of loss. That is why you should count on your own financial literacy .

According to experts, the income we receive monthly must be divided by 3 components:

• main- This is the money that is spent on buying food, clothing, and paying rent.
• cumulative - it is approximately 10% from the amount received. Here, expenses are expected to purchase a car or go on vacation.
• working– the entire remaining amount, which can be disposed of at your own discretion. It is this that is the source of future investments.

As you can see from the diagram, there is little money left for investment, but it is this money that can increase significantly with the right approach.

Even if a situation arises in which you come across a very profitable project, but you don’t have enough of your own funds for it, try to find other investors/co-investors. By joining forces, you will create a common fund, which in financial language is called pool, thereby giving a start to the business itself to obtain higher interest rates.

These situations are not uncommon and people very often strive to find like-minded people who have a reserve of money. The general idea can provide incentive, and the capital collected can provide a good return.

2. Where to get money to invest it profitably - tips 📑

Sometimes it seems that the word itself Investment“implies a large financial sum that is difficult to find immediately. (Our article “” will help you). That is why we try to put banknotes in a box, keeping them at home until better times.

In fact, this position incorrect , because any free money should work for you, attracting new financial resources. If we talk about such a method as preserving and increasing capital with the help of a bank deposit, then the initial investment amount can be 1000 rubles.

It's important to just choose the right one bank deposit and the terms of its use. Read about what they are in a separate publication in our magazine.

Yes, currency purchase, precious metals, art objects, and even more so own business will require a more significant amount from you. But here, too, there is a way in which you can gradually collect the missing finances.

Firstly , teach yourself to save. Try to shop wisely, creating your own benefit. We recommend reading the article - + expert advice"

And secondly , save monthly10 % from the income received for preservation. Thus, you will create a clear structure for the distribution of funds and in a few months you will achieve your intended result.

Profitable ways to invest money so as not to lose, save and earn

3. 13 ways to invest money so that it works and generates income 💸

Let’s try to consider the most current options for investing your own money, identifying their advantages and disadvantages.

Method No. 1. Bank deposit (which bank is better to deposit money at interest)

This is the most common method that is available to anyone who wants to invest their money. Its whole essence is that an agreement is concluded on the basis of which all the funds you deposit are not only saved for a certain time, but also multiplied according to the specified rate.

The investor (depositor) acquires confidence is that he will receive income, the amount of which can be calculated in advance. This method of working with money is beneficial for both parties.

Method of investing money No. 1 - deposit

You By replenishing your deposit, you work to increase it, and bank, taking funds, carries out a lot of operations that give him his own benefits.

So, your contribution is under 10% given for a loan with debt obligations to another client in 20 % and, exactly one year later, the returned money will make a significant difference (income) to this institution.

You can choose the most optimal deposit for yourself either independently or with the help of a consultant, who always focuses on the offers that are relevant at a given period.

Another significant advantage this method can be called deposit insurance, introduced recently in connection with the regular bankruptcy of credit institutions. Now your contribution is equal to 1,400,000 rubles subject to compulsory insurance, and therefore subject to return in any case by the state.

That is, if your investment amount exceeds this specified threshold, then you can split the money using the services of several banks.

Despite these positive aspects, there are also significant minuses . Thus, initially the smallest percentage of all investment methods is set for invested funds and can be from 0.1% to 9%, which varies depending on the terms of the proposal put forward.

In addition, the unstable financial situation in the country leads to constant depreciation of funds(inflation). But, even in this case, your small profit will allow you to avoid significant losses, keeping your capital at the same level.

Which bank is better to put money at interest in 2019 - expert opinion

When deciding for yourself which bank is better to invest your money in and where to open a bank account (deposit account), we recommend that you familiarize yourself with the TOP- 5 banks in the country, paying attention to the reliability rating of these banks.

The bank is more reliable if the main shareholder (controlling stake) is the state. It is unlikely that the state will be interested in the bankruptcy of its own banks.

Reliable banks include: For example, such giants of the banking sector as Sberbank, VTB, Rosselkhozbank and some others.

So, the TOP 5 banks in which you can safely invest money at interest:

1. "Sberbank";
2. Rosselkhozbank;
3. "VTB 24";
4. Gazprombank;
5. "Alfa Bank".

Bank reliability ratings change slightly over time. But the first 3 (three) jar almost always are in their places, since these are large banks with state financial support, that is, reliability is at the highest level in the country. Here you can choose a deposit with replenishment, capitalization of interest, as well as extension. You can read about that in one of our publications.

Method number 2. Investing in mutual funds

People who are a little familiar with stock exchange, shares, bonds and working with securities prefer to invest money in mutual funds (UIFs).

In fact, this combination only sounds complicated, but has a simple basis. It represents collective investment of funds and their further management. All money is collected into a general fund, and then, with the help of a professional manager, is directed to the chosen method of use.

The principle of operation of mutual funds

IN most We ourselves very rarely have real information related to the economic indicators of even the most successful organization. Therefore, the ability to purchase any security is enough, but to manage it competently is not.

Important! By investing money in mutual funds, we get the opportunity to acquire those stock, bonds, gold or currency, which have fallen slightly in price, but are able to gain their positions in the future, determining good growth and a significant share of profit.

To achieve such an ideal situation, specialists in investment funds must have an excellent understanding of the economy not only at the level of their country, but also in the whole world. It is important to master the basics technical And fundamental analysis, view news feeds and be able to respond correctly to constant changes.

It is very difficult for an ordinary consumer to obtain a complex of such knowledge, much less actively manage it, so there is a need for the services of a specialist. This is the essence of investing money in mutual funds.. You give your free funds to managers who have extensive experience and good statistics.

Thereby, advantage investment fund is that at any stage you are provided with maximum support and various options for investing funds from which you can choose the most optimal.

There is no need to immediately immerse yourself in all the subtleties and nuances, study the methods daily, it is enough to trust your funds correctly. In addition, you can gradually delve deeply into the actions being taken by independently purchasing additional shares of the same organization.

It is worth understanding that the activities of any management company are subject to constant control by the state, and this already gives you confidence in honest cooperation.

It is precisely such strict measures in the legal field and legal issues that ensure the protection of our investment rights as shareholders.

For the most part, a company that values ​​its reputation allows only verified employees with a special certificate to manage raised contributions. It is also important that the amount of your initial investment is practically unlimited. It can start from 1000 rubles.

All available capital can be distributed initially between several mutual funds, which will allow you to create your own portfolio, limiting your share risks.

Following the logic, the situation turns out this way: even if one investment fund exposes your money to risks and brings you lesion , then the other will help restore the lost amount and most likely provide income .

Even if the fund is recognized bankrupt , then your property invested in this investment will be prohibited from being put up for auction by law. If necessary, you can always request the results of an independent audit, which is carried out daily. Thus, with the help of a registrar, the fund’s own rights to invested shares and all property are recorded. And every year, the company’s accounting department is audited.

Negative side This method can be called one’s own indiscretion, when a young, untested specialist who gets down to business “let’s you down” and your expectations.

It is quite difficult to check its actions in advance, so there is a risk of losing accumulated money.

The only right decision You may want to know a lot more about the mutual fund in which you are planning to invest. Try to analyze the situation, look for reviews, read forums, and insure yourself.

Method No. 3. Purchase of real estate

Investment method No. 3. Purchase of real estate (office, residential, etc.)

This method has always been the most effective for investing money. It is worth understanding that purchased real estate (apartment, etc.) almost never loses its price. We have already told you how to profitably buy an apartment and in a separate article.

Over the next few years, its value will gradually increase. Sometimes this happens in sudden leaps, often simply by a systematic increase, but it always gives its owner the opportunity to find himself in plus . We wrote in more detail about, as well as the pros and cons of this method of investing, in a previous article.

In addition, the purchased option can always be rent out, and this is already a way of passive income, which leads to further accumulation. Experts have noticed that for investment purposes it is best to purchase simple rooms or one-room small apartments.

An example of an apartment that can be purchased for rent starting from 20 thousand rubles per month in a large city

The rented space of two such objects costs several times more than one area consisting of 2 rooms.

Also, a small square is easier to repair, giving it a presentable look, and furnishing it with your own furniture. If we use the language of numbers, then renting the purchased room will bring us 10-20% per annum, which will maximize the return on investment through 6-8 years, and after that the period of receiving net profit will begin.

But renting an entire apartment only brings 5-7% per annum and this is a longer period for returning your funds. In addition, the existing method of daily housing rental provides the most profitable prospects, but entails the need for constant work on searching for living people, And repair, the implementation of which will become more frequent.

You will need to ensure not only the best conditions, but also the prestigious location of the room in the area. Investing your own funds in housing has mass benefits . This includes stability, the possibility of further residence and return of the invested money at any convenient time.

It is worth understanding that sell property you can always. (For information on how to do this quickly, read the article - ?). Plus you can easily give your square meters, hand over them by inheritance or bequeath to a specific person.

Disadvantage This method must be taken into account the high cost of the object and the difficulties in completing the transaction. So it is not always possible to easily collect the amount from 500,000 rubles, and even a loan taken from a bank imposes a lot of obligations on you. But having money on hand is not a guarantee of a successful result.

In the modern world there are many schemes used scammers when selling a home. And your initial belief may later turn out to be a lie.

Therefore, vigilance is very important when searching for premises, checking documents and working with lawyers.

For information on types of real estate investing, watch the video below:

Method number 4. Precious metals

A very common way of investing has become the purchase of gold. It is purchased in special bullion and, as a rule, stored in the same banks, creating a special account.

Over time, prices for this instrument may, as grow, so fall, but for the most part they provide the owner of the precious metal with profit. It is not difficult to purchase it even on the day of application.

If the transaction occurs in an impersonal form, then VAT in fact sales or purchases will not be charged . But the formation of metal into an ingot involves payment of tax for added value in the amount 18% (VAT).

In addition to gold, it is actively sold silver, palladium And platinum. In fact, the investor’s entire income is generated by the increase in the cost of precious metals on world markets. If necessary, accounts can be replenished with the monetary equivalent of the value of this investment instrument.

When closing the agreement, according to its terms, the bank has the right to give you not only financial resources, taking into account the increase in the amount, but also the bullion itself. By the way, very often accounts closed ahead of time do not entail the payment of accrued interest.

Advantages of this method is that it protects savings from inflation, protects the owner in case of any unstable economic or political situations in the country. In addition, it can be seen here high liquidity use, that is, a quick transfer into cash, as well as a stable increase in the value of it.

Gold, as a precious metal, is always in price. The price of gold is subject to slight fluctuations, but over the long term it increases in value.

From shortcomings can be called the need to create special storage conditions, purchase And sale is made only through the banking system, and the increase in capital gains occurs at a slow pace.

In addition, when working with this method, you need to follow several basic rules.

Firstly, it is important to purchase precious metals during the most favorable period. Try to identify the main price decline.

Secondly , it is worth understanding that such investments pay off only in the long term.

AND, thirdly, when starting the main actions, try to study the market in advance, understand the peculiarities of production and consumption of each metal, and also analyze expert forecasts.

Acquiring gold gradually depletes gold reserves, allowing the price to become more expensive over a period of time.

Method No. 5. Business

Investment method No. 5. Business creation and development

Creating and developing your own business, as well as purchasing a ready-made project, involves special risks in the initial stages. In general, of course, the area of ​​investing money is considered profitable, but achieving such a result can be very difficult. We have already written about this in our issue, which provides detailed instructions on how to open, what to look for, and also provides popular business ideas as examples.

Important not only initially correctly calculate the amount of investment, availability of staff, purchase of goods And other expense items, but also take into account the rental of the premises, the traffic of the planned location, and even the cost of the average bill, which gives reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt original plans. This presence of competitors, bad relationships with suppliers, equipment modernization, changes in Russian legislation, and much more.

Advantage Such investment can be considered the possibility of joint ownership of a business, collegial management of it and the search for a niche poorly occupied by competitors.

Under such conditions, as well as competent management of affairs, you can not only receive a good income, but also be confident in its consistency.

Negative side this method is called absence 100% guarantee. Your invested funds may, in the end, not only not be returned, but will also impose special obligations to eliminate debts incurred as a result of activities.

Any area of ​​business requires special attention, constant work and personal dedication. You will have to either constantly monitor the progress of affairs with the invested funds, or independently participate in them, achieving positive results.

We wrote about it in more detail and detail in our previous material.

You can also watch the video below about investing in business projects:

Method number 6. Purchase of securities

Investing in such instruments becomes profitable in the long term. Their main types in your portfolio can be called stock, bonds And Eurobonds.

Method of investing money No. 6. Purchase of securities (stocks, bonds, etc.)

Let's look at each acquisition in more detail.

So " promotion" is a security that makes it possible to confirm your right to a share in the capital of a company. It allows you not only to receive dividends, but also to participate in the management of the enterprise itself.

Main advantage such an acquisition can be considered a huge profit based on the increase in its price. The entire storage and control scheme for such papers is now in electronic form, so it is very convenient to use.

Also, when working with securities, many companies open their controlled companies in offshore zones (“offshores”). we already wrote in our previous issues.

Negative point experts call the high risk of storing these tools. Such a purchase is made at your own risk. No one gives good guarantees of the success of such an event.

"Bonds" their owners increase their capital gradually. Its growth occurs at a slow pace, but makes it possible to become stable. In the overall portfolio of securities, they are most likely acquired for diversification, that is, expansion of the assortment.

They reduce risk and are suitable for those users who can expect a long period of increasing their initial funds.

"Eurobonds" issued most often by corporations and governments in foreign currency denominations. The starting bid for their purchase is 1000 dollars.

Main advantage This method of investing lies in the cost difference between currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.

Flaw of this method is that it is very difficult to choose the right ones on your own stock or bonds into your briefcase. You will definitely have to resort to the opinion of professionals and experts.

Only they, understanding the real economic situation of our country, as well as understanding all the nuances of work in this area, are able to advise and choose the most optimal solution for you.

Method No. 7. Private lending (P2P lending)

Another method that is now most widely used. This is a method in which money is provided to the borrower under special conditions. It is important to draw up a contract correctly and evaluate everything risks And losses, study the personal data of the person with whom you will work.

Yours advantage consists of high profitability. Providing credit obligations from one individual to another for a short period allows you to receive up to 50% per annum. But the disadvantages of this method are also serious.

There is a possibility of non-repayment of borrowed funds. Even a very thorough search for borrowers does not guarantee their integrity.

Method No. 8. Buying currency

This method of investing can be carried out both with the help of banks (banking institutions, branches, etc.) and by attracting brokerage companies to trade on the Forex currency market. One of the best brokers is " ForexClub".

If In the first case you just need to provide a document proving your identity, then in the second— a special agreement is signed, which initially may carry additional risks. In one of the articles in our magazine you can find out what you need to pay attention to when...

That is why it is important to choose the right specialists who have significant experience in this field of work. The most popular currencies today are: U.S. $, Euro, Japanese yen, Swiss frank, And english pound sterling.

Main advantages Some points can be mentioned in this method.

Firstly , the increase in profit is achieved in 100% and more, which allows you to increase your initial capital, getting richer every day.

Secondly , if you know the dynamics of exchange rate growth, then it becomes possible to protect yourself from inflation. You can choose the currency yourself, determine its changes and predict further consequences.

Third , the purchase for you is not limited in time. This process can be scheduled for any period of personal free time.

AND, fourthly By providing constant access to the Internet, you are independently able to control the situation, monitor changes in course, and determine the effectiveness of your further actions.

Flaw With these advantages, there is only one - the unpredictability of the currency. In order to make the right decision, you need to carefully monitor changes, be able to correctly predict the behavior of quotes and try to bet on different types of funds.

Yes, experts advise to instantly increase your starting capital, invest in dollar or Euro.(we wrote soon in the last issue, which provides advice and expert opinions).

If it is a priority for you safety of funds , despite the difficult political situation, turn your attention to pounds or Swiss frank.

Of course, their purchase is more expensive, but this operation provides stability, because their position is more stable in the foreign exchange market.

☝ Also, popularity has been growing recently. We talked about them in detail in the last issue.

Method number 9. Investment in art

This is one of the stable ways not only save your funds, but also significantly increase them. To do this, it is important not only to really understand art, but also to attend special events, selecting your future buyers.

This method has both a lot of advantages and its disadvantages. As you know, the art market has existed for quite a long time and anyone can become a participant, regardless of gender, age, and even religious prejudices.

The first and significant plus working with masterpieces is very simple purchasing procedure works. There are no special formalities, licensing, or special checks. The investor selects a future purchase from a catalog or by directly visiting the gallery itself. They tell him the price for the canvas he likes according to the established price list.

If necessary, an expert is brought in to confirm the authenticity of the work. Such a specialist can be provided either by the organization itself or from a circle of personal preference. The work you like is carried out through a purchase operation and handed over to the investor.

By the way, it is believed that investing in such sources becomes most profitable in periods of crisis, wars or extreme situations. This is a kind of capital protection, providing further profit.

But against the backdrop of these advantages, we can also highlight a number of disadvantages . Let's start with the fact that this market has low liquidity. Auctions are held with frequency 1-2 once a year, and the sale itself may take from 6 to 18 months.

In addition, the availability of buyers who can pay you the required amount is very limited and it is important to convince them of the importance of the acquisition. Many credit institutions refuse loans to their clients, even if they try to secure them with the very objects of art as collateral.

No work unable to bring to its owner intermediate income, such as renting an apartment or buying shares, but the costs can be significant. The owner must ensure not only correct storage conditions, but also insurance, security, delivery.

In addition, sometimes it happens that a period of rising prices is replaced by its stability and waiting for a long time the owner may simply make a small profit. Even at well-known auctions and trades does not exist 100% anti-counterfeit protection. Often the staff of experts there is very limited and it is not physically possible to check all works of art.

Many experts advise taking this method of investing capital very seriously. Try to provide yourself with the best possible methods for checking works for authenticity, and involve those employees who will give a guaranteed result.

It is worth understanding that only a painting that has not been put up for sale for a long time and spent it in one collection has a serious chance of increasing its value.

Method No. 10. Internet projects

With the development of modern technologies, this direction is becoming increasingly popular.

Way to invest money No. 10. Investing in the Internet - projects

At its core it has 2 region, which may be of interest to both a novice investor and an experienced specialist.

Firstly, the World Wide Web allows you to create web resources of an innovative nature, which are regarded as startup. By the way, we wrote in our last article.

Secondly, you can invest money in creating your own website, which will become the foundation of your business and begin to bring in additional money on a regular basis.

AND, Thirdly, financing those projects that seem most profitable to you.

Let's look at each direction in more detail to understand how profitable it can become later.

In the first case you will need come up with an original idea, which will be able to interest the future buyer with its profitability. Having worked through it more carefully, it is important to understand even the smallest details.

Next, specialists are brought in who are capable of bringing the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed according to which this business project is actually implemented and tested.

Your investment is returned back with recoil . The amount of profit received depends entirely on the degree of elaboration of the created Internet site and its attractiveness for future owners.

Second case has a more common onset and is beneficial for a number of reasons. You can create your own business on the Internet even with a small capital.

You save on retail areas, warehouses, staff, but you have the opportunity to gain access to a wide range of users and engage in implementation at a convenient time.

Investments in this type of activity less risky than creating a business in reality. But the development of this direction and the increase in initial financial sources completely depends on your employment, interest and intentions.

Third way attachments funds through the space of the World Wide Web is also associated with doing business, only by people who are able to prove the effectiveness of their start. There are many platforms on which people post their projects with a specific description of costs and profit levels.

Investing in websites. An example of selling a website from the Telderi exchange. The lot indicates average monthly income and expenses and other information for buyers (investors)

They offer you to invest in it, promising a certain share of shares, from which you can later receive income or earn money for their sale. Such obligations are formalized using a special type of agreement, worked out by specialists.

Investing in Internet projects- this is an area that should be studied especially carefully, because it is impossible to predict the result in advance. Of course, there are risks here.

And perhaps disadvantage This method can be called unpredictability. Experts have calculated that from 10 offers nominated for consideration only 4 capable of becoming profitable .

Method No. 11. Binary options

This is the fastest way to make a profit on invested funds. It is based on two components: ability to take risks and clear detailed study economic situation.

Method No. 11. Investing in binary options

Your task is to to provide a correct forecast for the price of the asset being used. For example, it is most convenient for a person to work with stocks. By purchasing an option on them, he bets that, for example, in exactly one day their value will become significantly higher than what is currently indicated.

After the specified time, the result is evaluated. If the assumptions are confirmed, the profit margin will fluctuate from 65-85% . This is a significant increase in invested capital.

But don’t forget that you may not guess right. Exactly then gets lost 80-100% rates. We have already written in detail about options in our issue - “What they are and real reviews from beginners.”

At first glance, it may seem that generating income in this way is just a game of chance. Actually this is not true. It is worth going a little deeper into the created system, and you will begin to make more correct predictions, and this, as a result, increases the chances of a favorable outcome of the bet.

Investing in binary options, it is worth considering that they have mass benefits.

Firstly , the trading instruments that will be offered to you have a wide range and provide the right to a huge choice. So anyone, even a novice investor, can work with both standard currency pairs and precious metals, shares of various companies, oil and other assets.

Secondly , your level arrived and possible risk predetermined. In general, you can calculate in advance how much money you will be able to receive as a result of a positive outcome of the case and what you can lose if the situation is handled incorrectly.

Some trading platforms offer their consumers to independently set the percentage of the future outcome.

For example, by setting the numbers 80/70 , you lose 80% of the bet without guessing it, or gain 70% of the initial capital.

Third , easy access is always provided to any interested investor at any time of the day. That is, there is no need to download and install additional programs, go through levels of control, or somehow confirm your individuality.

All you need to do is go to the official website of the trading platform and you can track the results, place new bets, and analyze the situation. In addition, all trade continues every minute, no breaks on weekends, holidays or at night. Thus, your desire to start making money on your invested money can come true at any second, you just need to find some free time.

AND, fourthly , the trading interface is created in such a way that it will be understandable on an intuitive level even to the most uninitiated beginner. All intermediate price fluctuations of the instrument you have chosen are recorded, giving only the final result for the time you set.

There are 2 main principles here: CALL UP is a buy transaction (profit from rising prices) and PUT DOWN is a sell transaction (income when prices fall). Despite so many advantages described, it is worth understanding that binary options, like any other type of capital investment, may have some disadvantages.

Let's list some of them. So, the only failure you make can take away up to 90% invested capital. And sometimes this can be a very significant amount, and to get it back it takes approximately 3-4 successful transactions.

In addition, it is not permissible here in advance break deals or give them up. Even if you understand the error of your actions, and the worsening prognosis constantly confirms your guesses, you can only hope for a miracle, expecting the final result.

Also, the program itself assumes the absence of loan obligations. That is, you can invest only the free funds you have available. On the one hand, this is even good, because, as a rule, a novice investor enters excitement and is able to spend more than he originally intended.

But, on the other hand, there are some types of transactions or stability of the economic situation, when a positive result can be predicted in advance, and this can lead to significant earnings.

Only at this moment there is very little money in your account. Working with binary options can not only save your investment, but also significantly increase them, you just have to correctly understand the situation and study in more detail the scheme of working with each tool.

Method No. 12. PAMM accounts

This is another way to manage your finances, which allows you to entrust your personal savings to a specialist. We talked in more detail about how to open and select a PAMM account for investing in one of our articles.

Investment method No. 12. Investing in PAMM accounts

It’s worth immediately understanding what the difference is between a mutual fund ( Mutual Fund) And PAMM - account.

If in the first case the manager has full access to your funds and can dispose of them at his own discretion, without incurring liability even in the event of losses, then the second option only requires the presence of a deposit, which can only be handled through coordinated actions.

PAMM account intended for trading, concluding transactions, but only technologically. Moreover, all funds provided for investment in this account can not only be checked at any time, but also the actions of the manager can be stopped at any time.

Main advantages depositing money in this way are:

• Opportunity to earn money significant profits through the skillful actions of a specialist. As you know, such accounts provide access to the most highly profitable investments.
• Minimum investment threshold. Some such accounts may start with an amount of 100 dollars and that is why they become not only attractive, but also accessible to a large circle of people.
• Full control . Thanks to the automated system, the account holder can easily and quickly analyze the activities carried out, and all calculations are performed automatically.
• Easy choice of manager. Throughout all work processes, not only its statistics are published for each PAMM account, but also the history of operations, which makes it possible to easily view the current situation, contact your manager and, if necessary, replace him.
• Portfolio formation. As in the situation with mutual funds, risks are always possible. That is why it is necessary to insure yourself by creating several accounts with different assets.
• Liquidity of operations. At any time, if necessary, you can not only enter your funds, but also withdraw them. The entire operation takes no more than a day, but gives the owner confidence that there is control and even the most complex transactions can be stopped during the period of their implementation.

Method No. 13. Investing in yourself

This is another way to invest money. It is considered very beneficial in the sense that even the smallest knowledge gained by attending courses can become a serious platform for further starting.

In general, this type of investment has 3 main directions.

1. Health

Even if it seems in your own 18 years, you do not have problems in this area, rest assured that they will appear without proper attention. And your condition in adulthood depends on how well you take care of it now.

2. Appearance

This is constant work on yourself. In order to be perceived normally, you need to monitor clean clothes, own scents, skin, nails And hair.

Of course, there is no need to constantly visit expensive salons and spend all your money on procedures, but making appointments when your appearance looks like a fat, greasy cat is also useless.

Try to get involved in sports to have a beautiful figure and a toned stomach, take care of your hairstyle, and especially undyed hair roots, sign up for manicure and pedicure treatments.

Monitor your skin condition in a timely manner and at least purchase the necessary creams to help fight wrinkles, pay attention to your wardrobe. Try to select good quality items for him in a strict business style. Don't forget to wash and iron your things on time.

3. Knowledge

Fulfillment of the first two main points entails further personal growth. Now it is important to read books of various types, gaining something important for yourself.

Make it a habit to read daily at least 50 pages . Sign up for useful courses, trainings, visit presentations (for example, such as “ ”, etc.), try to communicate with new interesting people.

If you have the opportunity to watch a training video, take advantage of it. Plan a trip to another country or city, choose excursions with which you can study history and various types of architecture.

Believe me, there is nothing educational about visiting a beach or a bar. Besides, it’s good to get into museum , theater , movie ,Botanical Garden or even zoo .

Investing in yourself – this is knowledge, experience, skills, and the ability to apply the entire range of acquired skills in practice at the right time for you. It’s not for nothing that wise people said: “You can’t carry knowledge on your back, and you never know what information will be useful to you today.”

7 principles of investing to make money 📋

We wrote above about where you can invest money with a guarantee, so we also suggest that you familiarize yourself with the principles of investment.

Basic principles of investing money at a high interest rate with a guarantee of income

Principle 1. Long-term perspective

Imagine a situation in which the market, which has become so familiar to you, simply closed and it was decided to resume its activities only in a few years. Where would the money be invested?

Try to think ahead without resorting to daily quotes, the mood of other investors, or fluctuations in the cost of raw materials and finished products. So, for example, let’s take the purchase of shares in a well-known company “ Coca Cola" Even at the time of its conquest of the market, they cost 40 dollars.

The increase in the price of sugar in those years caused the value of the security to fall to its minimum. A stir was created in which they were sold for almost nothing, but today we understand how profitable these purchases became then. Agree that this is an excellent example of where you can invest money to make money. The shares of another company can offer you such a prospect, buying gold , antiques And even apartments .

Principle 2: Careful examination of the financing instrument

Before you give away even a small amount of your hard-earned savings, try to do an in-depth analysis of the chosen method. Talk to those who are already working in this field, consider their experience. This principle particularly applies to such areas as mutual funds, work on stock markets, PAMM accounts.

Principle 3. Own opinion

It is not enough to just have information, even collected very carefully, it is important to be able to cut off everything unnecessary and look at the prospect in the future.

Try not to succumb to pressure from others, develop your character by determining your outcome and the result of your investments.

Principle 4. Know how to stop

Sometimes it happens that work in one direction ceases to be profitable and there can be many reasons for this.

Consider other options, look for more promising investments, learn to close unnecessary pages.

Principle 5: Take your time

When completing investment transactions in the modern world, we rely mainly on the help of the Internet. It seems and more efficient And faster. But this position is initially incorrect. It's important to understand in subtleties and nuances, determine the outcome of the case and only then make a decision.

After all, the question of where to invest money at a high interest rate with a guarantee requires taking into account all the outcomes of the event (from receiving large losses to receiving a decent income).

Principle 6: Pick winners

It is worth understanding that even against the backdrop of a difficult economic situation in the country, there are companies that give good results and develop very steadily. The investor’s task is to find access to its shares and get them for the success of his business.

Principle 7. Think about tomorrow

This principle of investing is that even if you are very lucky today, you should not stop there, withdrawing all your money to buy expensive things.

Continue your business, look for new sources, tools, methods, collect your portfolio. Only this method of action will lead to a stable positive result.

5. Where to invest money to receive monthly income - 5 useful expert tips 💡

We wrote above where to invest money in order to receive income every month, so we suggest that you also read the advice of experts who have experience in investing.

Since when we earn our money, we try to not only save, but also increase, and in conditions of crisis, lack of stability and a difficult economic situation in the country, a feeling of fear arises, accompanied by a sense of loss.

So, expert advice on where to invest money in order to earn money and not lose it:

Expert tip #1. Try to minimize the risk for part of your investments as much as possible.

Separate from the total amount of capital 30% and give yourself a guarantee that they will invested without loss. In this way, experts believe Bank deposit, purchase of art objects, purchasing gold bars, precious metals And real estate.

The main point of the advice is that no matter what happens next, you will be able to save the starting amount, and, if possible, also earn money from it.

Expert Tip #2: Create a Recurring Passive Income

If this is your principle, pay attention to buying stocks or bonds, and securities in general.

By the way, even buying your own square meters, which you then rent out, will also allow you to receive a monthly income. You can read more in our article - ideas and sources of passive income"

Expert Tip #3: Diversify Your Investment Methods (Diversification)

It is important to understand that keeping all your money in a single project is very ineffective; diversify your investments. That is why, having ensured stability, try to find a profitable area of ​​business or become a co-investor in a business that, in your own opinion, will be very profitable.

Expert tip #4: High-yield investing

For economical And thrifty people, this method of investing capital should become the most extreme, because in essence it is associated with big risks . Your use of mutual funds or PAMM accounts, and even more so binary options, will allow you to instantly receive income and will also put your entire initial capital at risk.

Expert tip #5. Check the information

Before investing your money, you need to carefully and scrupulously study the investment object. Make sure that the expected profitability is correct; perhaps you are being offered to invest in an object with questionable profitability.

6. Where not investing money so as not to burn out - the main mistakes of investing 📛

Despite many warnings and a huge amount of information on the Internet, people who want to invest their own money make a number of mistakes that lead to undesirable results.

The very first and most important The point is that newcomers give away their finances at random, agreeing with the arguments of friends, relatives and even third-party representatives of the World Wide Web. Of course, the probability of receiving income still remains, but it decreases to a minimum.

Second mistake can be called an emotional state. There are often cases when, inspired by the example of a friend, a person tries to imitate his behavior, repeating every step of investing, but without a clear calculation and pre-thought-out prospects, instead of increasing funds, we receive them loss .

Another wrong move is considered a rush. People are in a hurry to choose an investment instrument, as well as in the desire to get the first results. As everyone knows, profits don't grow on trees. That is why it must be expected. Give yourself time to understand the intricacies and subjects, learn to act systematically.

Real examples of investing money for profit - ways to invest from 100-500 thousand rubles to 1,000,000 to earn

7. Where is it better to invest money to make money - real ways + examples of investing a small amount of money to make a profit 💰

Even the smallest earned capital already becomes the object of further thought. It is like a small door that opens the way for you to the world of big investing.

So, let's consider it advantageously, starting from a small amount to 5000 rubles and ending 1 million.

You go to work every morning, day after day, year after year. And your whole life is more like Groundhog Day. Every day is similar to the previous one. You safely spend all your income received at work on life. The result is a vicious circle. What's next? - you think. Something needs to be changed in this life. One way to break the current situation is to invest.

After all, what is investing?

Investment is investing money today in order to receive it tomorrow, but in larger quantities. Or receiving permanent passive income from funds once invested.

Of course, you won’t be able to find a large amount right away. Most investors start with very modest amounts that they manage to save from their salaries. The main thing here is consistency and time. Taken together with these parameters, any, even insignificant, capital can grow into a fairly decent amount, allowing its owner to receive a very good income that will exceed your current income. Please note that this will be completely passive income, generated with virtually no participation from you.

Beginning investors face many questions, the main one being where to invest. Especially if we are talking about a very small amount of money. It is the limitation on the volume of invested funds that makes its adjustments to possible investments. But nevertheless, even with little money, there are many ways to earn and increase your hard-earned money.

6 ways to invest money for a beginner

Investing in bank deposits

Bank deposits or deposits are the simplest and most reliable type of investment. When you open a bank deposit, you will know in advance. what income you will receive at the end of the term. And most importantly, GUARANTEED INCOME. Deposits are practically the only financial instrument for which the profitability is known in advance. Other investments do not carry such a guarantee. In them you can both earn and lose. Also, do not forget that the safety of deposits is guaranteed by the state (in the amount of 1.4 million rubles). If the amount exceeds this threshold, then it is better to open several deposits in different banks.

Bank deposits are used mainly as a means of initial capital accumulation. When a certain level of funds in the account is reached, other investment opportunities become available to the investor. Why? The answer is quite simple - very low profitability. Typically, deposit rates are within the inflation rate. Therefore, it is unlikely that you will get rich by investing in deposits.

Currency deposits

In the context of a difficult economic situation in the country, foreign currency deposits again began to gain popularity. The ruble is rapidly losing its position compared to other financial payment systems. And in order to somehow preserve their savings, deposits in foreign currency are used. And although the yield on such deposits is quite modest, around 2-5% per annum, real earnings can exceed the current yield several times. Due to the weakening of the ruble and, accordingly, the strengthening of the currency.

It was foreign currency deposits that were the most profitable over the past 5 years among the main types of investments. Those who opened similar deposits several years ago have already earned more than 230% profit. For comparison, simple ruble deposits for the same period showed a return of 83%.

Investments in mutual funds

• possibility of investing small amounts
• tax exemption
• no need to store at home, exposing the risk of theft
• can be bought and sold in parts, if necessary

Other possible ways of investing in gold (buying bars, gold coins) have exactly the same disadvantages that are the advantages of compulsory medical insurance.

Earning money online is not just about writing articles, freelancing, or running errands. Here a horizon of possibilities opens up before you, and it’s up to you to decide which one to choose.

Recently, people are choosing to become investors who invest money in order to make a profit. Of course, there are different rules of the game here, and the possibility of running into unscrupulous individuals is also not excluded.

In order not to get hooked by swindlers who are eager to make money at someone else’s expense, it is necessary to thoroughly study the mechanism of investing money.

Principles for making smart investments to make a profit

A profitable investment of money is a very sensitive and difficult matter. It requires maximum attention, perseverance and patience, so before moving on to financial transactions, first calculate your strengths, and also accurately determine the amount of capital you are going to invest.

To learn how to invest money without the risk of losing it, the first thing you need is knowledge. If you have all the necessary information in this area, then your business will be successful.

Famous billionaires - Bill Gates and Warren Buffett - have always repeated the same statement: if you don’t know where to invest your money, invest it in yourself. Thus, they will pay for themselves many times over, and the profit will be quite good.

What does it mean? This, first of all, means that if you do not have enough experience, it is better to spend capital on acquiring the necessary knowledge (paid trainings, courses, seminars, etc.), and only then start making money by investing money on the Internet. To do this, you must be guided by the following principles.

• Make sure you have a reliable financial cushion. Without it, you will not be able to take any action, and you may not even think about making profitable investments for further profit. The only exception is a deposit in a bank, since it is considered not an investment, but a savings project.

What does the concept of “financial cushion” mean? This is a six-month supply of funds, with which a family can live fully without having additional financial income.

You can create such savings by setting aside a certain amount of money every month. At the same time, the family budget should not suffer.

• Try to invest money at interest on the Internet in such a way that it is distributed over several investment projects. This will help avoid a complete loss of capital if one of the projects fails.
• Always remember that there is a risk of financial loss. That is why, before investing money in order to generate income, weigh all the positive and negative aspects of the project you have chosen. Many beginners make the same mistake - giving in to excitement. As soon as they smell the “smell” of money, they immediately lose their vigilance, investing all their savings in business. And only when they encounter the first losses and failures do they realize that they acted rashly, and next time they need to be more careful.
• Attract new people. As you work on a particular project, you will gradually gain experience and also learn to understand what you can invest money in and what deal it is better to refuse. Once you learn how to do this, you can try to involve another person in your activity. This is especially true for profitable investment schemes that promise a profitable investment of money without the risk of losing it. Investors do not always have all the necessary amount, and it is in this case that he will definitely need outside help. If you find a reliable partner whom you can completely trust, then both your and his funds invested in the business will increase significantly over time.

These are, perhaps, all the basic principles of proper investment in business on the Internet. If you master them and stick to them, then you won’t have to worry about the fate of your invested capital.

Another important issue is the amount of the investment contribution. Experts say that you can start investing with any amount - be it 1,000 or 100,000 rubles. Of course, it all depends on what you decide to invest in. So, if we are talking about investing money at interest as a bank deposit or shares, then the minimum contribution can be from 100 rubles or more.

If at the moment you don’t have money, but you plan to become an investor in the future, then start saving the necessary amount without putting things off for a long time. If you save at least 200-300 rubles a month, within six months you will be able to give the accumulated amount as a bank deposit and earn money from it. Let the initial interest rate not be too high, but over time, when your capital increases due to interest, you can use it to earn money on other investment projects.

Profitable ways to invest money

So, when you already know all the basics of investing money correctly, have studied all the possible risks of such activities and are ready to act, you can move on to the most interesting part - considering projects where you can invest money profitably and absolutely safely.

Today there are simply a huge number of options. People’s eyes even run wild from their abundance, and only one question is pounding in their heads: “Where to invest money so that it works?” The question is, of course, correct, but not all projects are worthy of being considered at all. In order not to make a mistake and not to lose your “hard earned money”, it is better to give preference to 1 of the options described below.

Investing in the purchase and rental of real estate

Real estate is one of the most profitable options where you can safely invest even large sums of money. You can either buy it or rent out your own home. The main advantage of this type of income is that every day real estate prices are constantly growing, thereby bringing good money to their owners.

Another plus is that you can purchase apartments or houses not only in your home country, but also abroad, where they are much more expensive. However, when renting out real estate in other countries, be prepared for the fact that such activity requires mandatory payment of tax. However, thanks to this type of income, you will be able to live in your home country, renting out housing abroad, and not have to worry about finding a permanent job. People in other countries are willing to pay much more to live comfortably, even if not in their own apartment or house, but in rented premises.

In addition to the apartment, you can rent out premises for offices, shops and other businesses. From this business you can have a higher income than with a house rental deal.

Earnings on a bank deposit

If you are looking for where to invest 100,000 rubles (more or less) to earn money, then a bank deposit will be an excellent option for you. But before you complete the procedure, you need to take a responsible approach to choosing a financial institution in which you can be 200% confident, because we are talking about your money.

However, if there is a risk that the institution you have chosen will go bankrupt, there is no need to panic: today in Russia there is a law according to which all bank clients who have left a deposit of 1,000,000 rubles have the right to compensation in full. For comparison: previously this figure was 300,000 rubles less.

As for the interest rate, each financial institution has its own conditions. So, if you want to invest money and earn interest on the deposit, then it is best to entrust it to a bank offering a 12% annual rate. Thus, you will easily increase your capital, plus, on top of that, you will also make your contribution to the economic development of the country.

Positive and negative aspects of bank investments

Of course, a bank deposit today is one of the most popular ways to save and increase money, but it should be remembered that any type of income has both positive and negative sides. To reduce the risk of losing your financial investments, you need to be aware of them.

Advantages of bank deposits:

1. The client can be completely confident in the safety of his deposits.
2. You can request a refund at any time.
3. You have the opportunity to invest starting from an amount of 1000 rubles.
4. Availability and simplicity of the investment project.

Disadvantages of bank investments:

1. If you are looking for a way to make profitable investments with high interest rates, then this method of making money will not suit you. The annual interest rate of most banks is too low, so it is better to look for another investment vehicle.
2. If you decide to withdraw your deposit money early, then your entire interest rate is forfeited.

However, do not be upset: a bank deposit is not the only option where you can profitably invest money in order to make a profit. There are many other projects where potential investors can count on fairly decent earnings.

Investing in precious metals and art

Despite the fact that today it is very profitable and popular to invest money in securities and your own business, investing in precious metals (especially gold) is an equally worthy option. Why is this so much more profitable than buying stocks and securities? It's simple: if the company whose assets you acquired suddenly loses all its capital, you will also lose everything - both shares and invested money.

In addition, precious metals have always been valued much higher, so investing money in them is a real chance to get high profits. However, despite all the profits of this type of income, it also has its negative sides, which every investor should be aware of in order not to endanger their money.

First of all, you should know that when purchasing, for example, one bar of gold, you will have to pay a tax of no less than 18%. If you want to resell it, then:

1. Firstly, they will buy it from you at the price of scrap precious metals.
2. Secondly, no one will definitely compensate you for the tax you paid. Thus, you will lose about half the value of the bar, and this is only in the best case. Sometimes the amount can exceed 60%, and then such a transaction for the purchase and sale of gold will definitely not be profitable for you.

The same goes for jewelry. To purchase such items, you will have to pay for gold, as well as for the work of the craftsman who made the jewelry. Again, you can resell it to resellers who will buy it at the same “scrap” price.

Another good way to invest is investing in antiques. More precisely, its acquisition. Buying antique pieces of furniture and interior design is a high-cost business, but to do this you need to be familiar with all its intricacies. Those new to this area of ​​investing need to acquire valuable knowledge on how to distinguish real antiques from fake ones. This is important because scammers in this market are scamming uninformed people out of quite large sums of money.

If you nevertheless decide on this type of investment, then it is best to invest in the purchase of investment bank coins. They are made, as a rule, of silver or gold, and are produced in small, or rather limited quantities. To purchase a certain number of such coins, you must contact the bank, after consulting with a lawyer, as well as the head of the financial institution.

When it comes to investing in art, it is best to prefer buying paintings. Sometimes such works cost from several thousand to several hundred thousand dollars, and sometimes even more. However, before concluding a deal, you should consult an expert, again, so as not to run into unscrupulous sellers trying to sell a fake.

Stock markets

The stock market today has become one of the most popular places where one can invest money to make money. But before that, you need to carefully familiarize yourself with the rules of a particular market so as not to play on the financial exchange at a loss. At the same time, remember that where big money is circulating, naturally, there are also huge risks of not receiving either your investments or the expected “profit”.

There are an innumerable number of brokerage houses offering their clients to make the most profitable investments without risk, but today only 2 enjoy the maximum trust and popularity - the Aton and Otkritie companies. You can profitably invest money in them so that they work, without fear that the business will “burn out.” By the way, there are offices of these brokers in many cities of Russia, so you can contact them officially, and not just via the Internet.

If you still decide to cooperate with such companies, then it is better to give preference to long-term investment. By holding securities or shares for many years, you will receive stable dividends. It is precisely this kind of cooperation with various companies that guarantees you profitable investments without risk, with the help of which you can provide yourself with additional, and most importantly, a stable source of income.

In addition to brokerage houses, there are also so-called mutual funds - mutual investment funds. Such organizations offer their clients various investment instruments. Typically they consist of:

• shares;
• bonds;
• bank deposits.

If you have not yet decided which business to invest money in to make money, then why not try yourself in this type of activity? There is nothing particularly difficult about this, you will just need to discuss the deadline in advance with your potential partner, that is, the deadline for the end of the deal. Throughout the entire term of the agreement, you will be accrued interest, depending on what type of share you have chosen and what its volume is. However, remember that such activities can sometimes be unprofitable, so before deciding on such investments, carefully weigh all their pros and cons.

The positive aspects of such an investment:

• if you are looking for where to invest a little money, then stock markets or mutual funds will be a good option for you, since the starting fee can be as little as 1,000 rubles;
• after the expiration of the contract, interest will be much higher than in a bank;
• you can choose investment instruments yourself;
• you have the opportunity to receive dividends.

Negative sides:

• a very complex investment system;
• high risk of working at a loss;
• Certain types of investing in the stock markets require relevant knowledge.

If you know how to calculate risks and are also confident in your abilities, then do not waste time - brokerage firms are always at your service.

Financial investments in cryptocurrencies and HYIPs

Investing money in HYIPs and cryptocurrencies today is considered one of the most unreliable and unprofitable instruments in the modern financial market. However, if the risk of losing money does not scare you, you can try yourself in this area of ​​investing. What if you are the person to whom fate will be favorable, and you will be able to earn good money from your investments? However, in order to make money this way, you need to know the meaning of the concepts “hype” and “cryptocurrency”.

HYIP is a special type of financial project, which, in its specific work, is somewhat reminiscent of an investment fund, bringing huge income to its members. Your main task is to find a good organization where your investments will not only be completely safe, but will also bring good dividends.

Some HYIPs offer a 3% daily rate to investors who cooperate with them. Yes, there are risks, and they are very large, but people who invested in this business on time have a huge chance of getting much more than they spent.

Cryptocurrency is a network monetary unit that does not have its own issuer and is not registered with any bank. In other words, such a currency cannot guarantee the complete safety of the funds invested by its owner in its purchase. The price of 1 such coin may fluctuate depending on its prevalence and popularity.

So, if we take one of the most famous cryptocurrencies in the world - Bitcoin, then at the time of its discovery (2009) 1 coin cost a little more than 1 US dollar. Now its cost is about $1,000.

This type of cryptocurrency has long been used by investors around the world, especially those investing in Internet projects.

Wherever you intend to invest your own money, remember: consulting a specialist will never be superfluous or inappropriate. It is better to spend money talking with a professional than to lose your investment irrevocably due to the desire to make money on dubious transactions.

Forex

Forex is one of the most famous financial markets in the world. People who are looking for suitable options where they can invest money in order to earn money only need to understand the specifics of working for this financial investment giant, and then the business will begin to develop rapidly.

The popularity of this financial market also lies in the fact that here you can quickly earn quite a decent amount of money. However, here too there are great risks of losing not only potential profits, but also the money you invested.

Important! Although today there are a huge number of Forex brokers that will help you decide where it is better to invest money on the Internet (in particular, Forex), you need to be extremely careful with them! Many companies deceive their clients, forcing them to blindly roll over amounts of money within the corporation, without bringing them to the general foreign exchange market, as should ideally be the case. That is why, before concluding an agreement with a particular broker, be sure to read reviews about it.

Pros of investing in Forex:

1. Many people are looking for where to invest a small amount of money, and Forex helps with this. The minimum contribution amount is $100, which is an insignificant entry threshold for such a serious investment project.
2. Here you can quickly, and most importantly, earn a lot.
3. Forex provides a huge selection of investment instruments.

1. You will need certain knowledge and skills to perform financial transactions.
2. The risks of losing your entire investment are very high.

Investing money in Internet projects

Today you can make good money not only from your own business, real estate, precious metals, etc., but also on the Internet. This, first of all, concerns making money on websites. In this case, the resource can be either your own or someone else’s. The main thing is that you are completely confident in its profitability.

How can you be sure that your website is worth your investment? Very simple. Today there are a lot of online programs with which you can estimate the cost of the resource you choose.

Another important question is based on what criteria the cost of the site is determined. First of all, the fact how much money you invested in its promotion plays a huge role. Yes, this pleasure is not cheap, but the more money and time you spend, the more visitors you can attract. It is the website traffic statistics that determine its popularity and, accordingly, your income.

By promoting one or several resources at once, you can:

• be their sole owner;
• sell ready-made websites after filling them with content to other people for quite a lot of money.

If you ensure that your site has high traffic, your monthly income can range from several thousand to several tens of thousands (in quite rare cases) of dollars.

Today, many people earn good money from this type of activity such as investing. However, you shouldn’t invest money anywhere, because it may not only not pay off, but also be “lost.” This means that an investor who gets involved in dubious transactions may well lose money with no hope of getting it back. To prevent this from happening, you need to know where it is best to invest large (or not so large) sums of money that will bring good profits in the future.

What else is profitable to invest in now? There are only 2 optimal options: real estate and developing your own business. However, here you need to have a mathematical mindset and not rely on chance or luck. Even if at first it will be very difficult (which is not surprising), when you get a little used to the new type of activity and study all the laws that apply in your chosen field, your profit will increase quite quickly, and you will be able to earn decent money practically without leaving home .

“Someone can sit in the shade today only because someone planted a tree at one time.”

Warren Buffett

No matter what they say, investments are part of any reasonable person. Unlike primitive work using the “ worked - ate“, investing money can generate income during your vacation, even if it lasts for decades.

It's corny but true.

The question of where to invest money to make it work is relevant today more than ever, because everyone doesn’t want to count pennies in line at the pharmacy when they retire, but rather travel the world and enjoy life. But doing this with your existing pension is simply impossible.

If you think that you have a great job now, a lot of money and you can spend everything because there will be more tomorrow - this is not so. By not investing today, you are depriving yourself of the future.

After all, at some point you will not want or will not be able to work, what will bring you income in this case?

To begin with, we will show you the investment portfolio and its profitability, as an example of real figures of investment profit for the last month, and then we will consider the types of investments separately.

You can also add more aggressive PAMM accounts, eliminate unprofitable ones in a timely manner and add new profitable managers.

Investing money in the stock market

In this article we will talk about where to invest money with the greatest benefit.

Investing in stocks is a classic way of investing. The average return here can be from 10 to 20% per year, but it can be much higher.

What are shares on the stock exchange? This is essentially the foundation on which the world rests, because each of us has remedies for Nivea, Johnson & Johnson, Gillette..., everyone has phones Apple, Samsung, Lenovo… there are computers in the rooms Acer, Asus, HP, on operating systems Windows; furniture from the store IKEA and clothes in the wardrobe from Versace, Lacoste, Polo Ralph Lauren Corporation.

All we want to say is that we are all consumers of private company products.

If you are looking where is it profitable to invest money, then shares are a great way to earn money not only on the company’s products themselves, but also to provide yourself with a constant significant income. This is an interesting process that will teach you to think like an investor, understand different markets, compare prices and choose the best.

How to invest in shares?

Everything is very simple, shares are traded on stock exchanges, and they are sold through special intermediaries - brokers. You don’t need to travel anywhere, stand in lines, run around with documents... You can buy shares without getting out of bed. Register, top up your deposit and buy shares.

• It is worth noting that the best idea will not always be from well-known and already successful companies.

After all, it’s not only about the name, but also about profit. For example, capitalization Google about 500 billion dollars. Imagine What does a company need to do to grow by 2 times?

Now let’s take a small chain of clothing stores or restaurants; in order for their shares to grow 2-3 times, it is enough to expand the sales market, open several new sales points, and this is quite possible to do within a year.

This is why some new startups and companies can bring not 20% per annum, but more than 1000%.

For completeness of information, we decided to show our example of earnings on stocks.

We went to the website of a broker with whom we have been working for many years -. In assets, we selected Ferrari shares and clicked on the button BUY:

A few days later, the stock price rose, as did our profits:

To make a profit on your personal account, you need to sell shares, that is, close our transaction:

The transaction results can be viewed on the same page of the trading platform in the tab Transactions:

Watch a video about investing in stocks from Robert Kiyosaki:

Advantages of investments. Investing in stocks has been working for over 150 years. Every third American and every second Japanese owns shares of some company. And as you know, pensioners in these countries are quite happy with life. Dividends and profits from owning shares can be earned throughout your life. Buying and selling does not take more than 10 minutes. You can start now from 200 dollars.

Minuses. Investing in shares carries the risk that the company may become worthless. But this is why it is carried out, an investment portfolio is compiled. In this case, even if one company loses position, the remaining companies in the portfolio will provide the investor with a positive return.

Real estate

Real estate - the traditional way where can you invest money. It is difficult to say anything new on this topic. We included real estate in the list of places to invest for obvious reasons. Real estate is a valuable asset for anyone. Real estate can be rented out, be it an apartment, office, garage or shopping center. Real estate, although not immediately, does rise in price, especially if it is purchased in a new area, where in 10 years there will be a fully populated and active center.

Although, of course, in today’s realities, even for the next decade, the purchase of real estate in 99% of cases can hardly be called an investment. After all, the maximum that the majority gets is this is the safety of funds.

Advantages of investment. Reliable investment with minimal risks. If handled skillfully, it is possible to make monthly profits before the final sale.

Minuses. These are slow investments that in most cases turn out to be simply saving money and do not increase the investor’s capital, but, on the contrary, freeze it.

Startups

Startups are young innovative companies. Many people call themselves a startup not by offering something radically new, but by presenting a new version of “ old". In reality, a startup is a company with a product that did not exist before. The same Google or once were startups, offering the world something that did not exist before. Over the course of two decades, those who invested in well-known startups at their origins became millionaires.

Today, new companies are being born in the world that have a chance for rapid growth.

How to invest money in a startup?

The most profitable way is to wait for the moment that confirms that the company is successful, really has demand and will develop. We're talking about...

In the first days of an IPO, company shares can rise by more than 100%.

And you do not need to hold the shares further, on the contrary, after the first days IPO shares need to be sold to fix profits, since more than 70% of companies cannot withstand further expectations of investors and the market, and fall in price to a reasonable level, and in the following years they do not grow at all, of course we are not talking about all of them without exception.

• Startups are an interesting way to make money on investments, because the growth of a company can be enormous in a short time.

You can inquire about new startups, upcoming IPOs, analyze companies and invest in the best of them. One successful investment can recoup the losses of 10 unsuccessful ones many times over. It is these meteoric rises that make this niche very profitable for investors.

Pros of startups. If there is income, then it will be high. You can invest both at the origins and later on the IPO of the company.

Minuses. You need to soberly assess whether the market is ready for the company’s product and look at the numbers, not the presentation.

Binary options

Binary options cannot be called an investment in the classical sense of the word, but it is still the most profitable investment today. so simple that they have only 2 conditions - UP And DOWN, hence the name - binary. The idea is that you select an asset ( the same stocks, oil, gold, stock indices...) and indicate the condition - the asset price will rise or fall.

• The term of the transaction determines the scope For example, you invested in a stock option with the condition that the quote increases for 15 minutes. If after 15 minutes the shares rise in price relative to the rate at the time of purchasing the option, you will receive a predetermined fixed profit in 70-80%! Moreover, it doesn’t matter how much the asset will grow, the only important condition is – Higher, that is, the growth can be at least 1 point.

Thus, you can make money not only on a rise but also a fall in price, using the DOWN option condition.

Among the assets of binary options are the most liquid stocks and stock indices, commodities and currencies. And this is very convenient, because news about these assets is published daily, which allows you to earn money.

For example, a new iPhone goes on sale tomorrow - this is a clear sign that Apple shares will rise tomorrow. Buy an UP option on Apple shares and earn a guaranteed profit.

The interesting thing is that you can invest money in binary options for periods from a minute to a month, while the profit margin remains unchanged - within 70-80%, depending on the asset. Instead of a lot of words, we will show you how this happens using the example of a broker:

1. Select an asset. In our case, the choice fell on shares Google:

We indicate the duration of the transaction, that is, the time it ends:

At the moment, Google stock quotes are growing, while the price has touched the lower support line. We predict growth - enter the investment amount and click UP:

We opened a deal for 10 minutes. At the appointed time, the option was automatically closed and the broker showed the results of the transaction:

At the time the option was purchased, the stock price was 779.205 . In the conditions, we indicated that at the time the option closes, the price will be higher. According to the results, she was listed at 780.260 . Having invested $60, we returned $102 of which $42 was net profit:

Our growth condition was met and we received 70% profit!

Advantages of investment. 70% profit in 10-20 minutes is an undeniable plus. The ease and simplicity of the process makes this type of investment the most accessible.

Minuses. For successful investments, it is necessary to analyze the asset, use strategies, and other tools; not every person is able to correctly understand the market.

PAMM accounts

We continue our review of the best options where everyone can invest money profitably, and one of these options is. The creator of this opportunity was the largest broker in the foreign exchange market in Russia - which is regulated by the Central Bank of the Russian Federation and has a license from it to carry out operations in the financial market.

A PAMM account is a trader’s account into which investors can invest money.

Thus, the trader trades on the exchange not only with his own funds, but also with investors’ funds. The PAMM account manager gives from 50 to 90% of profits to their investors. An unlimited number of people can invest in a PAMM account, and profits are divided in proportion to deposits. For example, a PAMM account managed by more than 4 million dollars:

The broker provides full monitoring of the PAMM account, which reflects profits by day, week, month, transaction volumes, investment volumes and other data. Among many successful PAMM accounts there are managers with more than three years of experience, that is, PAMM accounts have been generating profits for many years and, in general, this is not a new thing today.

In any case, PAMM accounts continue to bring good profits, the average return of an investor who has a portfolio of 10-15 managers from 50 to 100% per annum.

If you reinvest the profits, you can earn more 810% in just 3 years:

Advantages of deposits. This type of investment has already proven itself over time and profitability. Investment amounts are affordable for the majority of the population. You can withdraw money instantly at any time.

Minuses. There are practically no downsides to portfolio investments. One downside is that some investors invest in non-professional managers with unstable trading.

Bank deposits

A bank deposit should be considered not so much an investment as a way of storing money, allowing you to more or less protect it from inflation. Profits of up to 10% per annum can hardly be called serious. Nevertheless, this option still remains very popular among the population, even despite the fact that the country’s banking system is currently going through difficult times.

Traditionally, investors enjoy the greatest confidence Sberbank, VTB, Gazprombank. They offer to place deposits at not the highest interest rates ( from 7 to 8%), but stand out favorably in terms of reliability. We do not recommend participating in long-term programs, even if they offer more favorable conditions. The current situation in the sector is such that it is better to limit ourselves to “bird in hand”. In any case, placing money in a bank is just a way to store it. If you are interested in investing specifically, you should look for other offers.

“How many millionaires do you know who became rich by investing in bank deposits? That’s it.”

Robert J. Allen

It's different if you invest through investment banks like Goldman Sachs. It is worth saying that investments there also do not bring a huge percentage, it may be the same 8-10% per annum and some risks.

Why is this being done?

It's all about the amounts. If you have $20 million, you wouldn't invest all your money in one account with Sberbank, right? We all know about instability and the rules of diversification. Besides, Goldman Sachs, Barclays and similar ones can offer favorable conditions for the investor, professional portfolio management, etc.

Advantages of deposits. Reliable and virtually risk-free.

Minuses. Low interest rate; under the terms of some deposits you can withdraw money only after 1-3 years.

ETF funds

If you are looking for a better investment in the stock market, you should probably be interested in an option such as exchange-traded funds (ETF). They represent a portfolio of assets that basically replicate as closely as possible some stock index, for example or. Thus, by purchasing one ETF share, you immediately receive a whole diversified portfolio formed by real professionals.

Essentially, ETFs are the same mutual funds - you receive a share in the portfolio (in ETFs this is a share, in mutual funds these are shares), but there are a number of differences.

• Like a regular mutual fund, it is professionally managed by a management company.
• If in mutual fund the size of the minimum investment is established by the management company or the sales agent, then ETF it is equal to the cost of one share.
• Also, you cannot sell shares from a mutual fund at any second, unlike shares on the stock exchange.
• Mutual funds themselves can have ETF shares in their assets, only in this case they take their percentage for it.

In a word, ETFs made a sensation on the stock market, being full-fledged portfolios.

An important advantage of exchange-traded funds is the ability to trade throughout the day. During this time, the price of ETF shares may change, while the size of a mutual fund unit is calculated only once per session. Units cannot be purchased with borrowed funds or debt. This is acceptable for ETF shares. Additional commissions may apply when trading mutual fund units. Dealing with shares of exchange-traded investment funds is exempt from such “extortions”.

Where can I find ETF shares? That's where all the shares are - on the stock exchange. The actual process of buying Google shares is no different from ETF shares. We described this process not much higher, where there is a list of the best brokers.

Advantages of investment. Ready-made investment portfolios of shares. There are thousands of ETFs with different portfolios. Reliable long-term investment.

Minuses. It is necessary to monitor the industry in order to sell in time if a decline begins, and as a rule, if there is a decline somewhere, it means that there is growth somewhere, that is, you can sell some ETFs and immediately buy others.

Art

If you want not only to make money, but also to receive aesthetic pleasure from the process, we recommend that you think about purchasing art objects. Suffice it to say that the main buyers of such things are not passionate collectors and wealthy connoisseurs, but financial market players. You don't have to be an expert on it to be able to do it. You can always use the services of competent consultants.

The most common product is, of course, paintings. On average, a creation by a popular contemporary artist today will cost from $5,000. Years later, the cost of a masterpiece can increase hundreds of times.

For example, Andy Warhol's painting "Lemon Marilyn" was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

It makes sense to acquire works by masters of the second half of the last century - now is the time “ their" time. Naturally, you should not count on a quick return on such investments. In any case, you will become the owner of a valuable work of art, that is, a fairly reliable asset.

According to statistics from gallery catalogs, even paintings that were three years old are already rising in price by an average of 40-60%; as you understand, there are also paintings among them with an increase of 1000%. As auction houses explain, the increase in the value of paintings is directly related to the artist’s activity. If he regularly exhibits at exhibitions and receives new awards, then with each such step his paintings can become more expensive 100%

Advantages of investments. Very rich and developed individuals invest in art. In addition, they can earn high interest, especially if the artist is gaining popularity or even died.

Minuses. A long-term investment that requires expert art advice. It is profitable to collect collections of paintings by one or more artists, which can be expensive.

Investments in trading

Trading is an investment in yourself.

Now many will think that trading is money from speculation on the stock market, profit from the amounts invested in exchange assets... But first of all, trading is profitable investment in yourself.

Many people say that investing in yourself is beneficial. How? Specifically in numbers? Invest in education and get a job? - This is life, not investment.

Unlike other jobs associated with preliminary training, trading provides unlimited opportunities, where it is not necessary to have an economic education. The thing is that trading begins with personal preparation. You must be prepared psychologically, and everything else is a matter of technology.

• Today there is no difference between a financial analyst and an Internet user, since all information is stored and presented only on the Internet. This makes almost everyone equal!

In order to start trading, you need to read at least about it, create an action plan, a financial plan and start collecting information about the market and assets. Of course, not everything is so simple, but it is already a start. There are many examples where people earned millions in a couple of years and went on indefinite leave without worrying about anything.

Can a lawyer with three years of experience, or a doctor, or a manager boast such successes?

For example, the broker allows you to trade stocks, indices, commodity futures such as oil, gas, metals, agricultural commodities, energy and others:

Why did we begin to consider trading as an opportunity to invest money? Because it’s profitable, it’s accessible to everyone, it’s interesting, and it’s right here money is born. All banks engage in trading on stock exchanges, trading currencies, bonds, and so on. So why invest in banks when you can earn money yourself through the banking system?

The advantages of trading. Unlimited opportunities to work for yourself, without a schedule and in comfortable conditions. Due to the huge amount of information about the markets, it is not necessary to have a financial education or special connections.

Minuses. Successful trading requires psychological preparation, a sufficient deposit to survive losses and overcome risks.

Individual investment account

Since 2015, a new concept has appeared in the legislation of the Russian Federation - individual investment account. By placing funds in such an account, you receive a guaranteed tax deduction 13% from the invested amount ( annually) or are exempt from tax on income received as a result of financial transactions.

Let's look at the benefits of placing money in an individual investment account:

• To open here, all you need to do is enter 5,000 rubles.
• The maximum amount that will be deducted is 400,000 rubles.

You can only top up your account with cash. The broker offers four investment options.

1. If you just want to receive passive income, choose a savings strategy and you will receive 5.5% per annum. Don't forget about the guaranteed tax deduction of 13%.
2. Under the conservative option, the investor's funds will be invested in reliable, low-risk instruments with fixed income. This may additionally bring up to 15% per year. Such activity is recommended if the account has more than 100,000 rubles.
3. The optimal strategy can generate income up to 30% per annum, however, the risks increase significantly. It is worth using it if you have over 250,000 rubles.
4. The most risky is an aggressive strategy that can bring up to 50%.

Individual investment account is an excellent alternative to bank deposits, where it is more profitable to invest money not only because of interest, but add to this the opportunity to invest in company shares and not pay income tax. It is also an optimal tool for retirement savings and long-term investments. It should be remembered that a taxpayer can only have one. Funds from the account can be withdrawn early at any time, but the right to a tax deduction in this case is lost.

Advantages of the deposit. A simple and easy opportunity to make a profit in the financial markets.

Minuses. Not found. The program is supported by the state.

A small interesting social survey

Free money I...

I'm thinking where to invest * 15%, 883 vote

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I invest in Cryptocurrencies * 2%, 137 votes

I invest in Bitcoin * 1%, 86 votes

I invest in Gold and Silver * 1%, 78 votes

I invest in bonds of corporate companies * 1%, 64 vote

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