The question of how to manage the accumulated money excites the minds of many people. How can you make the most of the little money? And what is the safest way of investing for a person inexperienced in financial subtleties?
Here we will consider several working investment tools for an investor of any level. Let's start with a simple one - a bank deposit, and end with securities. Let's start!
The most common and traditional way to help save a small amount in the last hundred years can be called bank deposits. Indeed, opening a deposit is publicly available, you can start with 1000 rubles, making a deposit does not require special financial knowledge.
Here are some useful resources on deposits:
However, there are several nuances that should not be neglected:
Let's calculate, based on the average interest rate, how much income you can get if you place a small amount of money on a deposit, for example, 5,000 rubles.
Of course, at such a rate, without replenishment of the account, it is possible to double the amount of the deposit in 7 years. But unpredictability domestic economy cannot guarantee that for such long term there will be no events that devalue the little money invested.
Therefore, our task is to consider more effective types of investments that can bring significant income in the second year of their application.
Financial Analysts considered quite optimistic (mutual funds). The cost of "entry" to the fund can vary from tens to hundreds of thousands of rubles.
For example, the minimum cost of a share of 15,000 rubles, sells shares of 30 thousand rubles. However, even very small money can be successfully placed in a mutual fund by acquiring not a whole share, but its share.
The indisputable advantage of investing in mutual funds is their complete transparency and state control. Financial activities mutual funds strictly regulated by law. Therefore, fraudulent schemes when investing in mutual funds should not be feared.
If you do not know what a mutual fund is, then we highly recommend watching the video:
The only problem an investor faces is choosing management company, which will effectively invest shareholders' finances in profitable papers. To do this, you need to carefully study the ratings of mutual funds, which are published quarterly in the media or resort to the help of a financial consultant.
Where to begin? Here are some helpful resources:
The end of 2014 can be significant for mutual funds in that they began to actively invest in shares of foreign companies. Since the investment attractiveness of Russian sites is quite limited, the expansion of the market will bring unequivocal benefits to shareholders.
Raiffeisen Capital Management Company, which showed a 31.54% yield on its Raiffeisen USA mutual fund at the end of the year, supplemented its portfolio with US, Chinese and European stocks.
Taking into account that among the securities there are the most popular "blue chips", we should expect high yields in 2013 as well.
Risk of loss financial investments in mutual funds is purely theoretical. Due to the fact that the invested money is distributed among different objects, the chance that all enterprises will go bankrupt at once is zero.
PAMM investment is in many ways similar to the placement of funds in mutual funds, the money is also transferred to the trust management of the account manager. Only this all happens in the virtual space, with the help of the Internet and the Forex exchange.
Opening PAMM-accounts today, many financial experts refer to the most priority types of investment.
The advantage of this investment can be called the fact that at first a small investor can invest a small amount in order to "taste" the possibility of earning money on the international currency exchange.
The initial investment in a PAMM account can start from $100. By transferring money to trust management of an experienced trader, the investor is freed from vigilant control over currency price fluctuations.
And since the trader's remuneration directly depends on the income received, it makes sense for him to earn as much as possible.
Again, even if the session is not very successful in one trading period, it may overlap the next day. The average profitability of PAMM accounts, according to statistics, is never less than 10-15% per month.
For an inexperienced stock trader, the best option would be to invest in Alpari. More or less stable company. Forex-Trend competitor turned out to be a pyramid scheme
Consider what effect can be obtained by the results of the month, if you place a small amount of $ 1,000. Dividing the money between 20 traders, we have twenty PAMM accounts with $50 each. Considering that such a situation is possible that not all accounts will be the same profitable trade, then at the end of the month you will have to calculate the average profitability.
The average monthly yield is 11.21%, and at the end of last year, the profit was 177%. Thus, minus the commission that the PAMM account manager will have to pay, the net profit from the invested thousand will be a little less than $100.
You can withdraw the profit received at the end of the first trading week. But it will be more profitable for the investor to capitalize profits, i.e. adding it to the principal amount of the account.
It is impossible not to call one of the solutions to the question “where to invest a little money” investing in precious metals. The acquisition of gold, platinum or silver is possible either in physical form(ingots), or by opening a metal account.
Undoubtedly, precious metals have not fallen in price for many decades. However, a dramatic increase in prices in the gold market is not observed.
Therefore, investing in precious metals should be planned for a sufficiently long period and it is better not to limit yourself to one metal when opening a metal account: “split” the amount into gold and another metal.
The topic of investment in precious metals is the most interesting for us. Here are some helpful resources
Do not think that working with investments is only for those who have an impressive amount of money on hand. Absolutely everyone should be able to properly manage their savings. Whatever your savings are, it's better to use them than just keep them at home. So they bring you real income and will not be eaten away by inflation.
The main danger for every novice investor is the lack of information. It is impossible to start working with securities without knowing the basic principles of the functioning of the market and the rules of behavior on it.
Theory and practice are equally important: you need to understand the structure of the market and see how it responds to certain events in order to predict possible changes and respond quickly to them.
If you want to learn how to trade on the stock exchange on your own, you should take a training course on the Investment 101 portal. The theoretical blocks here are illustrated by practical tasks for the implementation currency transactions, and professional traders and analysts of the BCS company act as experts.
Now we will talk about what should not be done in any case. So here is the list common mistakes those who are just starting to work with investments.
If you don't know why you want to invest, think twice if it's even worth it. It is the goal that determines the investment horizon (the period during which you plan to invest money), the strategy and methods for achieving the desired result.
The choice of behavior depends on what you want to do: increase existing capital for the sake of making a large purchase, save money for the education of children, or create a savings fund for a comfortable life in retirement.
There are two main goals of investing: saving capital and its increase. In the first case, you save your money from inflation, in the second, you also earn money. Of course, you can go beyond one goal and work on several tasks at the same time. In this case, it is necessary to create and manage an appropriate number of investment portfolios, each of which will have its own strategy.
To put it simply, an investment strategy is a road that will get you where you want to go. It is up to you to choose: to follow a deliberately safe and longer path, or to cut straight, but to face certain obstacles. Are you ready to take a risk and allow a temporary drawdown of capital, but make good money in the future, or do you prefer a small but guaranteed income? The purpose of investing will help answer this question. How much time do you allocate to achieve it - more or less than three years? This period is the boundary between short-term and long-term investments, and the choice of the approximate duration of work in the market largely determines the nature of your actions.
If you expect to achieve what you want in one or two years, you should not invest in assets that are not currently profitable, in the hope that someday they will grow in value.
A good help will be a test to determine the risk profile, you can pass it by registering on the Investment 101 portal. As a result, you will receive not only a description of the necessary behavior in the market, but also an indicative investment portfolio - a combination of instruments with an indication of potential profitability.
The advice that you should not keep all your eggs in one basket is given by absolutely everyone who has experience with securities. This is especially important for novice investors who have not yet learned to choose with absolute accuracy the only asset where it is worth investing all their money. Remember, the more components your investment portfolio has, the lower the risk of failure. Even if you give preference to any one instrument - shares, for example - divide your investments equally by different companies and industries. So you protect yourself from unnecessary worries and in the event of unforeseen situations, do not let fear take precedence over a sober calculation.
Always remember that investing is not a casino. When we talk about risk here, we don't mean losing every last penny of your money.
You can control the risk in investing, as well as decide when it's time to stop.
You set for yourself a level of drawdown in securities that will not cause you to panic and thereby disrupt the course of the investment strategy. This is especially important in the case of a long-term placement of funds, when at some point the shares noticeably lose in price, but later win back the fall. In order not to make a mistake in choosing, carefully study the history of the company, securities which you want to purchase. Don't invest in areas you don't understand. If in a familiar situation you are ready to make approximate forecasts, then a new industry may have completely different laws of development. Do what you are sure of, and do not worry in vain.
Market trends sometimes change literally in the blink of an eye. You have to follow them, but you don't have to follow them. If everyone is buying stocks of one company in bulk, think carefully about whether you need it. Their price is growing by leaps and bounds, but at any moment it can stop and go down, so the benefit from such an acquisition is very doubtful. It’s not worth it to hastily dump assets that are getting cheaper: in the future, the situation may even out, and you will remain a loser. Of course, if the company you own shares in is rapidly sinking and is about to go bankrupt, it is better to get rid of its securities, but in general you should not copy the behavior of the crowd. Emotions are not the best assistant to an investor. Just remember that the difference between buying and selling should always be in your favor.
27.03.2018 78098 0Hello! In this article, we will tell you where to invest money.
Today you will learn:
The main principle on which all modern prosperous society is based is that money should make money. And this does not mean that the main goal in life is the endless pursuit of money. If we translate this principle into a more accessible language, then it will sound something like this - free cash should always work and bring additional, passive income.
People who make a lot of money with their initial capital are called investors. The main thing is not to confuse investors with professional speculators - people who make many short-term transactions in order to make a profit. The investor expects a long-term result - by investing his money, he expects to receive income over a distance of several months to decades.
Professional investors are a special category of people who make money through successful projects of other businessmen. On the one hand, it is quite simple - invest your free funds, do nothing and make a profit. But if you dig deeper, then even at the stage of choosing an object for investment, there are significant difficulties. And after that, observing the project, it is necessary to ensure that it develops in the right direction, continues to function successfully and make a profit.
That is why, if you want to successfully invest money, make timely profits and manage risks competently, your task is to follow simple principles.
Principle 1. Risk diversification. This condition comes first because it is basic. Without it, absolutely any investment will be unprofitable, regardless of the experience, intuition, finances and capabilities of the investor. Diversifying assets means dividing funds among several objects.
Investments are inextricably linked with risk. One of the main principles follows from this - the higher the risks, the higher the profitability. These two parameters are directly related. At the same time, a person must understand that his investment portfolio should always contain low-risk assets that are guaranteed to bring a small income, regardless of financial situation in the market and risky assets that will bring a very high income under favorable conditions.
Principle 2. Only free cash can be invested. This principle is based on banal logic. It is impossible to withdraw funds that are required by a person personally for investment needs. For example, it would be completely illogical to ignore the requirements of creditors, and to purchase a certain investment object for the amount of debt.
That is why, only those funds should be used, the loss of which will not be noticeable enough, and which can then be earned within 1-3 months. Otherwise, it is better to refrain from investing until you have fully settled your financial situation.
Principle 3. Investments should always make a profit. Last but not least principle. It is also banal to simplicity, but many people forget about it. If investments do not bring profit, then they are unprofitable, and therefore, very soon you will be ruined.
That is why, often, profit should come first and sometimes it should noticeably crowd out risks, despite the fact that in most cases it will be more important to GET money, and not HAVE THE OPPORTUNITY to get it.
These three simple principles are commonplace enough, but even some experienced investors manage not to use them. For all its simplicity, the third of them is still the most violated. Some professional investors spend their time, money and other resources on projects that are losing money in advance, saying that sooner or later they will start making money. But the main principle of investing is that the project must bring money, regardless of what it is aimed at (with the exception of charity).
If you keep these three simple principles in mind, then investment activities will be successful and bring a high and stable income.
Private lending is one of the alternatives to a bank loan. In the role of debtors, everyone can also act as individuals, as well as legal entities, only act as a creditor ordinary people who have free finances. The beauty of private lending is that interest rates often vary depending on the risks and systems in which the loans are made.
Most payment systems have their own platforms where users make short-term loans for each other at higher interest rates. Often they even exceed the interest on loans in MFIs - from 10 to 100% daily. At the same time, lending through payment systems is quite strongly associated with the risks of default Money: according to statistics, about 60% of loans on the Internet are not returned.
An alternative to payment systems with their increased risks and huge interest rates are special platforms for making private loans. Their work is carried out as follows: the user deposits funds into the system, it automatically selects trustworthy borrowers, selects the optimal interest rate and issues a loan.
After that, in case of repayment, the system returns the funds + interest minus its own commission. The risks of non-return are also present here, but to a lesser extent. Consequently, interest rates on loans range from 30 to 100% per annum.
And the last option is credit cooperatives. In Russia, this type of lending is underdeveloped, but still has a place to be. It is not worth talking about it much - just know that this is a kind of investment, when many people accumulate money in order to lend to one borrower.
Forex would never have appeared on this list if it wasn't allowed. But according to statistics, only 20% of traders actually earn money, and the remaining 80 only bring money to their broker.
In order to start playing Forex, it will take a lot of time to devote to the formation of the psychological qualities of a real trader. Despite the fact that at first glance the charts move chaotically, the ability to understand them comes after 2-3 days of studying technical analysis. And in order to form psychological stability, one's own view of the market and the style of the game, it takes an average of 2-3 trader's accounts.
Of course, you can invest more than 10 thousand rubles in Forex, but due to the huge number of risks, this is highly not recommended. Unlike stock investments, which involve only the financial risks of the assets you invest in, many incidents can still happen in Forex, up to the bankruptcy of a broker.
Now it has become fashionable to create one-pagers, advertise some product on them and sell it, winding up 200-300%. You can thank the guys from Business Molodist for this, who explain to everyone why he should spend 200-300 thousand to learn how to trade goods for 2-3 thousand rubles.
But despite the fact that many people rushed into this, it seems to them profitable business, the niche is not really occupied yet. There is not a huge number of advertisers who can attract customers with minimal investment, there is no general number of businessmen who can make a competent sales funnel and guide a client through the landing page in such a way as not to leave him even a single chance of refusal.
That is why, if you have 5-10 thousand rubles, the desire to deal with sites and advertising, you can start a business reselling goods through one-pagers. If working with landing pages is too difficult for you, then you can choose an easier option for selling goods - groups on social networks and message boards like Avito.
Well, where without hype. A very controversial type of investment, which nevertheless is one of the main sources of income for a certain group of very risky "investors". The essence of HYIPs is that a small financial pyramid, which promises fabulous interest on your deposits. This can be argued in any way, up to “buying stocks, bonds” or something else.
Money for interest comes from new revenues and such a “vicious circle” is created from which there is only one way out - a fictitious bankruptcy of the HYIP after a certain period of time. It would seem - an ordinary pyramid, on which it is unrealistic to make money. But it is not so. Hype diligently pays interest the first time. Depending on the scale - from 1 month to 1 year. That is why some people recognize HYIPs, invest in them, and after a short period of time withdraw their funds with interest. This is how the scheme works - who managed, he earned, who did not manage - lost money.
As you can see, all but the third method is a fairly risky type of investment. But that's why they bring and big income. If you have free funds - no more than 10 thousand rubles, the loss of which will not hit your pocket hard, then these investments are for you.
Here we have collected for you 7 relevant ways on which you can earn, having from 10 to 50 thousand rubles. For each of them, any amount from this range will do. The methods differ in that they have an average profitability and, in most cases, a short payback period.
In the first place, of course, is the game on the stock exchange. With a small amount of money, from 300 to 1000 dollars, you can open an investment account with any broker and start learning the basics of trading.
The peculiarity of playing on the stock exchange is that for the first time (from 2 months to 2 years) your task will be to reach zero profitability. That is, you will have to beat the commission of the broker, trading and settlement system with the profitability of all transactions. Reaching this minimum bar is one of the main stages of any trader.
Then there should be the next stage - the minimum profitability. It is measured by the rate of inflation, or by the average levels of bank deposits (which in Russia is often much less than the real rate of inflation). In general, it will take a trader from 1 to 3 years to reach an acceptable level of income. But after that, you will be able to actively trade on the stock exchange and, thanks to this, receive a stable income.
Simple and low cost. Putting money in the bank is a great way to cover inflation, or go with it almost on an equal footing. Bank deposits are not suitable for anything else.
A little advice on choosing a bank for a deposit: do not look at the top market players, like Sberbank, VTB, Rosselkhozbank and others. They can dictate their terms to clients, which is why the interest on deposits is always lower than in other, medium-sized banks, which, in order to attract resources, must increase their rates.
The optimal period for which bank deposits are made: 1 - 2 years. Doesn't make sense anymore since no one knows what will happen in the country which economic crisis will come this time, and a shorter term reduces profitability. The only thing to remember - if possible - do not withdraw funds ahead of schedule. Then, in most cases, your accumulated interest will simply burn out. If you urgently need money, it is better to take a loan, and present a bank deposit as collateral.
Mutual funds in Russia, as well as the investment culture in general, are very poorly developed. But despite this, several leading banks - Alfa-Bank, VTB, Otkritie and Tinkoff have several mutual funds that really deserve attention.
What are mutual funds: they are a kind of trust funds, only with a different legal component of transactions. If in trust funds you transfer money to the manager, and he buys profitable financial assets, then in the case of mutual funds, everything is built as follows:
This scheme is most similar to - when income is distributed according to shares, but the funds are not transferred directly to the company - there is a kind of exchange of funds and shares in the company. Mutual funds are good in that they provide a higher return than a bank deposit, but at the same time, their risks are relatively the same.
Most profitable way investments from all presented in this list. The site is a platform for earning, capital for resale and the ability to promote your own products and services.
There are two ways to make money buying websites: selling ads and reselling a website. Each method is good in its own way. For 50 thousand rubles you can buy a site that brings its owner from 5 to 15 thousand rubles a month, depending on how competently the owner estimated it. And after time for self-sufficiency, you will be able to receive net profit with almost no effort.
Website reselling is a more complex process that requires certain skills in evaluating and selling online resources. In order to engage in resale, it is recommended to create a website on your own, and only after you have gone all the way, you can start reselling as a full-fledged business.
When we say “investments in precious metals”, we most often mean investments in gold. It is one of the most demanded metals in today's market, its price is steadily growing over a long distance, and during periods of global crises it simply skyrockets.
A little about why this metal is so valued. Gold in investment plan very attractive in that any state, regardless of in which economic condition will be interested in attracting gold reserves. That is why, when prices begin to fall all over the world, there is only one thing left - to seek salvation in the "safe harbor" - investing in gold.
It is easy to invest in it. It is enough to open an unallocated metal account in any bank that provides these services, and you will already have on hand a sum of money equivalent to the amount of gold that you purchased. But you should not count on the fact that it will immediately go up, and money will go to your bank account. In order for gold to bring significant income, 5-10 years must pass.
Cryptocurrency is now one of the subjects of a fierce dispute among investors and economic specialists from around the world. Some say that this is not a currency, because. it is not backed by anything and will disappear over time (we would like to know what, for example, the dollar is backed by), while others, on the contrary, argue that due to the demand for it and the limited quantity, it will become more and more valuable until it is replaced by new ones. types of money.
Cryptocurrency is essentially a computer code. It has no physical weight, security and a clear, fixed course. But that doesn't stop it from being wildly popular with people who want to keep their payments anonymous.
There are several types of cryptocurrencies, but the largest currency is bitcoin. Now it costs about 1 thousand dollars, although some 5-6 years ago a person bought a pizza for 10,000 bitcoins.
You can use cryptocurrency as an investment object only in two cases: when you intend to make money on speculation and if you really believe in the prospect of cryptocurrency growth.
Here we have prepared for you more large-scale investment methods that require a large amount of capital.
Investing in securities is a popular money accumulation procedure in Europe and America that almost completely replaces bank deposits. According to statistics, about 50% of American families keep their savings in securities.
Investments compare favorably with paper trading. If you have an amount of 100-200 thousand rubles, any broker can not only provide access to the securities market, but also help with advice on where to invest.
There are two investment options: aggressive and passive. With an aggressive style, you will invest in the papers of promising companies, with a passive style, you only need to pour money into the papers of well-known companies, winning on the difference in price and dividends.
If you need an investment method that requires minimal participation in the process, periodically checking and insuring yourself against big losses, while having a yield of 2-2.5 times more than bank deposits, then investing in securities is the best option.
Trust capital management - relatively new service represented by companies of various calibers. Starting from banks and ending with special centers, firms provide asset management services for individuals and legal entities.
Trust capital management is as follows: every company has a field of activity in which it has achieved success and can earn decent money. For the most part, this area is trading in the stock market. And in order to increase the volume of investments and reduce risks, such companies attract additional capital, which they invest in profitable assets, taking the margin for their services.
Trust management is best "trusted" to specialists in the banking or related financial sector. You should never put your money in the hands of private entrepreneurs or traders. Most often, these are not professional enough participants. stock market who cannot earn money themselves and are trying to get investors' funds.
Everything here is simple and clear, but at the same time complex and confusing. Starting your own business is one of the best (if not the best) ways to invest money.
Starting your own business is no easy task. We need an original idea, capital, investors, and, preferably, a team of like-minded people who will follow one idea.
It is important to know that the statistics do not lie: only 20% of businessmen continue to work with their projects. But at the same time, it does not take into account the many companies that were sold to large giants like Google, Microsoft and Yandex for a huge amount of money. And therefore it is important to understand that those businessmen who are left out are not victims of the system. They are victims of their own mistakes, laziness and lack of hard work.
The talk about currency speculation has not ceased since the days of the USSR. But then the currency was in short supply and therefore was in rather high demand. Now there is freedom of market relations, so the currency costs as much as it should. That is why investing in foreign currency is now a rather controversial way of investing.
Investing in foreign currency makes sense when the global crisis begins, or an internal crisis in one of the countries. Then the quotes of one of the currencies fall sharply (in most cases deservedly), but literally in a year and a half they are restored to their usual volumes. A few notable recent examples: Russian ruble, euro and pound sterling - due to various macroeconomic events (sanctions, Trump's appointment and exit from the EU)
What currencies can you invest in?
In general, investing in foreign currency is suitable for those who like active investing - keep track of their money, make important decisions not once every few months, but every day. At the same time, competent investments in currency can make you a millionaire in one crisis.
Own applications - a startup that is addicted to up to 50% of all global entrepreneurs. Most of them create their projects while at their main job, but then the latter becomes uninteresting to them.
If you have money to develop and promote the application (the costs will be about 20 to 80 in favor of advertising), then you can safely occupy this niche, which is just starting to gain momentum. Developing your application can go two ways: manually or with the help of hired freelancers. The first method will take a lot of time and effort not only to create an idea and bring it to the desired result, but also to develop, while the second will require average financial costs.
Development of a simple mobile application can cost $500-1000. A large online project will cost more. In general, the development and promotion of the application can cost 100-300 thousand rubles. Such investments pay off, depending on the project, in 3-6 months.
Here we will talk about investments from 500 thousand to several million. If you have money more than 3-4 million, then you must know where to invest it in order to make a profit.
For some reason, real estate investments in our country, despite their absolute unprofitability and illiquidity, are still quite attractive. This is rather strange for two reasons: interest income from real estate exceeds the minimum (bank deposit) by 3-4% per annum; and the liquidity of investment objects is somewhere around zero. But despite this, most people who have money from 1 million rubles still continue to spend their money on real estate.
Real estate is good because it is stable. But it is stable in the worst sense of the word. Even gold is growing faster than real estate prices in Russia. For the most part, in some areas, prices for apartments, houses and other similar property have gone into negative territory over the past 2-5 years.
The situation in large cities is a little better - real estate there is consistently worth a lot, while refusing to grow. The ever-expanding Moscow region will be an exception, but even there it is difficult to guess which of the districts will be in plus and which will be in the red.
In general, investments in Russian real estate are suitable only for those who want a stable average income with big spending. The payback of such investments will be from 5 to 10 years. For those who really want to receive a consistently high income with the help of real estate, it is recommended to take a closer look at the houses and apartments of Eastern and Western Europe. In them, real estate becomes more expensive much faster than in our countries, due to the constant flow of emigrants from other, less developed countries. In Russia, there are other, more interesting and profitable alternatives.
Buying a ready-made business is an excellent investment option for 1-3 million rubles. It became popular in Europe in the late 90s. Then entrepreneurs who urgently needed a lot of money for a new project, or simply those who were tired of the business, sold it to other, more interested parties.
In order to understand whether the project is really profitable, it is enough to be in a team (or work if it is a small business). Then you can see if there really are customers, if the business really brings the declared income, plunge into the process a little and understand whether it is worth buying this business at all.
Having bought a business, you will not need to think about how to launch it, how to deal with competitors and set up production at minimal cost. They will do it for you, they will explain how everything works, and you will only have to control all business processes and make a profit. This option is more suitable for experienced entrepreneurs.
As opposed to buying a ready-made business, you can choose a franchise business. A franchise is the exclusive right to use a trademark. In fact, it is doing business under a well-known brand.
Franchise Advantage:
Working with global companies, you will be able to use their successful experience in order to fully develop in a new direction. And also you will have a full-fledged development strategy that takes into account absolutely everything, up to the specifics of the population in your city. True, this awaits you only if you choose the right partner to open a business.
Most often, franchises are provided by companies in the field of fast food and restaurant business. The brightest representative is McDonald's.
It will take from 300 thousand to several million rubles to open a franchise business. This amount will include the cost of the franchise itself, the cost of starting the business, as well as monthly contributions from profits.
Investing in startups is now one of the most highly profitable types of earnings in Europe and America. Since there is a developed investment culture, most start-up entrepreneurs put their ideas on public display and thus look for potential investors.
Investing in startups is risky, but extremely rewarding. Many young people are in a hurry to realize their ideas and require large investments in their projects. But some of them do not yet know the basics of business, do not understand how to work correctly in order to receive money. That is why investing in startups is associated with high risks.
A little advice. In Russia, there is no culture of startups, as such, yet. Therefore, if you decide to invest your money, then you should choose a good foreign project. Of course, you don't know many features of the business, and there are chances that the idea you invest in will fail, but nevertheless, it is much less risky than Russian startups.
But despite the fact that this way of earning is quite risky, professional investors earn huge amounts of money. The best business angels (those who invest in start-up projects) earned millions of dollars by investing only a few tens of thousands.
And, finally, the most controversial, but certainly an interesting way to invest money is unique pieces of art.
It is impossible to talk about this way of earning for a long time - it is quite simple. You can buy a painting, figurine or any other work of a famous figure that you like for decent money, and then resell it several times more expensive to collectors.
Above, we presented almost all working ways of investing that can bring good profits. But the main object of investment should remain you. Getting a good education, getting the right knowledge, developing your talents and gaining much-needed skills is what really matters.
Your first investment in time and money should go to the formation of yourself. If you are interested in investing as a way to earn money, then you need to spend a lot of time on getting the necessary knowledge, as well as the skills that investors need so much:
When working in any field, you must spend some energy on learning something new about it, no matter how high you are.
That is why every time you think about where to invest this or that amount of money, think about whether you can invest it in yourself.
Now to more practical advice on investment. They will help you invest your funds correctly, minimize risks and “fix” profits in time.
Tip 1. Separate assets
The simplest rule, which is often forgotten by many investors, when they actually get their hands on profitable proposition. Divide your investment on multiple fronts. So you reduce the risks of one-time capital losses to a minimum.
Separating assets is beneficial because they begin to balance each other. A good example is investing in securities. For most investors, the ratio of risky securities to safe securities in their investment portfolios is approximately 30/70. When risky ones go to “+”, they bring tangible profits, about 2 times more than reliable ones. But when risky ones fall in price, reliable ones compensate for their drawdown, bringing the investment portfolio to zero or a small minus. It should also be in other types of investments.
For example, when buying a ready-made business, leave some money in the bank or invest it in profitable securities. Then you can at least partially compensate for the losses if the business starts to make losses.
Tip 2. Balance risks and returns.
The analysis of risks and profitability, as well as their comparison, is the main task of the investor. Main rule financial market Risks and returns are directly proportional to each other. This means that when one rises, the other also rises.
But the market is not always “right”. Sometimes he can overestimate something, in the wake of a general positive attitude towards the idea, or vice versa, underestimate. Then there are situations when, at first glance, a reliable and low-yielding instrument is actually very risky. A striking recent example is the situation with bank deposits and revocation of licenses of credit institutions.
That is why always try to analyze how risky this or that idea is, and how much profit it can bring. Always match these two important indicator with each other, and when you see that the risks exceed the income, then feel free to refuse further action. But if the profit significantly exceeds the risks, it is worth considering whether everything is so simple in reality.
Tip 3. Try to get as much information as possible about the scope of your investments.
Of course, you don't have to know absolutely everything about where you invest your money. But you should have at least superficial knowledge about the object of investment. If you want to invest in gold, see why it is so valuable. If you want to buy an apartment and rent it out, find out why the real estate market is considered reliable.
Tip 4. Know how to exit the game in time
One of the most valuable skills is to be able to stop in time. You have to be able to abandon unpromising ideas that are losing or have completely outlived their usefulness, and you feel that they do not deliver initial inspiration to you.
Tip 5. Make a profit.
And most importantly, money should make money. This means that you should make a profit from your financial investments. Not "promising ideas", not "100% payback" and not "everything will work out" should worry you. The main thing to look at is whether you will achieve a profit or not. And are you satisfied with its size.
No matter how attractive the idea is, you should always think about money. This is an investment, not a charity
You go to work every morning, day after day, year after year. And your whole life is more like groundhog day. Every day is like the previous one. All your income received at work you safely spend on life. The result is a vicious circle. And what's next? you think. You need to change something in this life. One way to break the current situation is by investing.
After all, what is investment?
Investment is the investment of money today, with the aim of getting it tomorrow, but in a larger amount. Or getting permanent passive income, from once invested funds.
Of course, you won’t be able to find a large amount right away. Most investors start with very modest amounts, which they manage to put aside from their salary. The main thing here is constancy and time. 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 a completely passive income, generated with little or no participation from you.
Beginning investors face many questions, the main of which is where to invest. Especially when it comes to a very small amount of money. It is the restriction on the amount of invested funds that makes its own adjustments to possible investments. But nevertheless, even with little money, there are many ways to earn and increase your hard-earned money.
Bank deposits or deposits are the simplest and most reliable type of investment. When you open a bank account, you will know in advance. how much income you will receive at the end of the term. And most importantly, GUARANTEED INCOME. Deposits are practically the only financial instrument, the profitability of which 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 accumulation of capital. 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, getting rich on investments in deposits is unlikely to succeed.
In difficult conditions economic situation in the country, currency deposits again began to gain popularity. The ruble is rapidly losing its positions in comparison with other financial payment systems. And in order to at least somehow preserve their savings, deposits in foreign currency are used. And although the yield on such deposits is quite modest, in the region of 2-5% per annum, real earnings may exceed the current yield by 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 a few years ago have already earned more than 230% of profit. For comparison, simple ruble deposits over the same period showed a yield of 83%.
Other possible ways of investing in gold (buying bullion, gold coins) just have the disadvantages that are the advantages of CHI.
One of the priorities of an independent person is to receive income expressed in monetary terms. Such income (if from it, other taxes and expenses) can be active or passive. In the first case, in order to receive his money, the employee performs certain actions in accordance with the requirements of the direct supervisor. The second option implies that income is the result of correctly made investments (investments) in any project or business.
Investing money in Russia is invariably associated with risk: there is a high probability of losing them, if not due to the actions of individual fraudsters, then as a result of another “surprise” from the state. Therefore, a citizen who is thinking about where to invest money should carefully choose sources of income. The safest and most promising of them will be listed below.
First of all, the future investor needs to decide which object of investment of funds available to him today is the most interesting. It makes no sense to invest in a project, even the most fashionable and with an impeccable reputation, if it is incomprehensible or unpleasant: the only result of such an experiment will be an obsessive desire to quickly “recapture” your investments and exit the game.
Advice: no need to immediately get carried away with exotic ideas. For example, a person who is just starting an investor's career is hardly worth investing all his savings in: such a business is not only risky (animals can get sick and die at once), but also requires the arrangement of a separate room, which is associated with rising costs. Undoubtedly, it is possible to make money on the project, but only with a “safety cushion” or other projects that allow you to stay afloat in the event of a disaster.
So, having determined the goal and abandoned unconstructive ideas, the novice investor must decide where to invest; it is best to choose any option from the following list.
A traditional bank deposit is, if not the most profitable, then the safest investment. Funds deposited by a citizen into his own account, in without fail are insured, and therefore, even in the event of a bank failure, the depositor will receive compensation, albeit not in full. True, cases are not ruled out when the only means of restoring justice will be filing statement of claim to the court, and it is impossible to predict how long the transitions from instance to instance will take; but the chances of a favorable outcome are consistently high.
So, in order to make money on a deposit, you need to find a bank that offers deposits on the following conditions:
Important: You should pay special attention to the last point. If the bank offers an attractive interest rate, but at the same time forbids the client to use the deposited funds before the expiration of a certain period, such a deposit is not suitable for receiving monthly passive income, although it can serve as an object of long-term investment.
The most attractive for investors, according to the rating compiled by experts, are the following banking organizations.
No. 1 - " Tinkoff Bank» . Its main advantage is remoteness: depositors are serviced only by phone or via the Global Network. Exception - delivery plastic cards, requiring personal contact between the courier and the recipient.
Deposit conditions in Tinkoff:
No. 2 - Sovcombank. It has been operating since 1990 and is among the top 20 largest banks in the country.
Terms of deposit in Sovcombank:
No. 3 - "UniCredit Bank". European organization, represented in Russia for 25 years. The largest of the remaining banks in the country with foreign capital.
Conditions of the deposit in "UniCredit Bank":
Important: current legislation does not prohibit a citizen from having deposits in several banks at once. The main thing is the availability of start-up funds and legally impeccable execution of the contract.
The essence of the share investment fund, or Mutual Fund, - joint management of investments, consisting of the funds of each member of the fund, who decided to invest in one or more projects. Accordingly, all property of the mutual fund consists of proportional parts - shares.
Advantages of investing in mutual funds:
Flaws:
Despite high liquidity and potential profit up to 50% per year, participation in It is difficult to call a mutual fund a profitable investment for a novice investor: subject to the terms of the contract, he may be entitled to sell his share at any time ( open fund), in certain periods (interval) or at the end of the established period (closed). The first option is less common and usually associated with the highest risks; a citizen who is thinking about where to invest money in order to make a profit in the short term should pay attention to other “faster” projects.
The principle of operation of the Forex market (FOReign EXchange, exchange foreign exchange) is very simple: the investor (trader, player) earns money by guessing the fluctuations in the exchange rates in the currency pair he has chosen (for example, dollar / euro): buying $ 1,500 for 1,200 euros, he can later sell them for 1,300 euros, thus receiving an income of 100 euros - today about 7,000 rubles. Apart from currency pairs, a person looking for an object profitable investment funds, can guess fluctuations in the prices of various stocks or precious metals.
Important: to make a profit on Forex, you need to conclude an urgent (for 10 minutes, three hours, a day or a week) deal for a fall or rise in the pair. The transaction can be concluded both for the entire amount of available funds (highly not recommended), or for any specific amount. After the specified period, the investor who made the right bet receives his winnings and a percentage bonus from the broker.
Both the advantage and the disadvantage of investing in Forex trading is unpredictability.: even the most experienced investors cannot say with complete certainty that the rate will go up or down. Depending on the confluence of many random factors, including changes in foreign and domestic policy, a player can either get a huge profit in one deal, or be left not only without money, but also with completely damaged nerves.
Advice: You should not immediately invest heavily in Forex trading. To assess the possibilities of the market, it is enough to invest a minimum of money; then, with a satisfactory result, the amount can be gradually increased.
PAMM accounts (Percent Allocation Management Module, percentage distribution management module) are not much different from mutual funds: the manager (manager) offers people who think about how to profitably invest money to become co-investors in the project; in case of luck, each of them can receive an income proportional to the share in the total capital. The difference is in the way of control: the activity of the PAMM account throughout its existence is controlled by one person, who receives for his efforts up to 50% of the proceeds, depending on the total investment and the terms of the contract.
It is difficult to say how profitable it is to invest in PAMM accounts; the amount of income (both total and each of the project participants) depends on the talents and conscientiousness of the manager, as well as on many random factors.
Advice: as in other cases, a potential investor is not recommended to invest all the money in a PAMM account: even under favorable circumstances, the profit will be relatively small - less than in more risky ventures. It is better to divide free funds into several parts: for short-term, long-term, more or less reliable projects.
Investing in precious metals (gold, platinum, silver) is one of the most popular ways in Russia to receive passive income. A citizen who is thinking about where to invest money can buy ingots (of course, it is better to store them in safe deposit boxes), and purchase futures or become the owner of an impersonal metal account. In part, this option for a profitable investment also includes the purchase of jewelry.
The main advantage of investing in precious metals is their consistently high price.: if necessary, the investor can simply sell his property, receiving a little less or more than he paid.
Stability is at the same time the main disadvantage of investing: metal prices fluctuate so slightly that a player on the stock exchange simply cannot get a large momentary income.
