The question of where to invest money so as not to lose it is always relevant, and even more so in the context of the economic crisis, which, unfortunately, is still relevant in 2019. The opinions of different experts differ. Each potential investor can choose the most suitable option for himself, based on the possible profitability and risk of loss of capital.
Regardless of the direction that is chosen, To minimize the risk of capital loss, adhere to the following rules:
One of the most reliable ways to invest money (at least in order not to lose) is a bank deposit. True, this investment option does not provide the opportunity to count on a large income. This is most likely a way to protect your funds from inflation. The main rule is not to invest more than 1.4 million rubles in one bank. This rule will allow you not to worry about the safety of funds, even if the financial institution is declared insolvent. When choosing a bank, you need to be guided not only by the highest rate. It is better to study the offers of the five largest banks and choose the option that suits the term, replenishment and early withdrawal options. In addition, if necessary, the deposit can be terminated without waiting for the end of the contract. Interest, if there was none
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:
Rules for investing money
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.
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.
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.
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.
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.
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:
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.
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
Let’s try to consider the most current options for investing your own money, identifying their advantages and disadvantages.
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.
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:
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.
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 dive into 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.
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.
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.
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.
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.
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.
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.
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.
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 .
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.
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:
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.
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.
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.
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.”
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
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 .
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.
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.
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.
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).
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.
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.
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:
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.
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"
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.
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.
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.
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
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.
Investments(English Investments) - placement of capital with the aim of generating profit and diversifying capital. Investing is an integral part of the modern economy. Investments differ from loans in the degree of risk for the investor (lender) - the loan and interest must be repaid within the agreed time frame, regardless of the profitability of the project, investments (invested capital) are returned and generate income only in profitable projects. If the project is unprofitable, the investment may be lost in whole or in part. The higher the risk, the higher the potential return on the investment.
We will list the best ways and places where you can invest money in 2017 to increase, preserve your capital, or minimize its loss.
Investing in stocks is a traditional way to invest and preserve your capital. Yes, buying shares as an investment is sometimes a risky way to invest your money, but there are companies that rise in price from year to year and usually recover after the crisis. Let's list a few:
| Company name | Dynamics of the stock by year [period 1M] |
|---|---|
| Apple |  |
 |
|
 |
|
| Amazon |  |
| Priceline.com Incorporated |  |
| Visa |  |
| Mastercard |  |
| Starbucks |  |
| McDonald's |  |
| Walt Disney |  |
| iRobot |  |
| Netflix |  |
| Microsoft |  |
There are quite a lot of companies with such stock dynamics to invest in. It is enough to verify this by opening the list of corporations in the SNP500 index, consisting of those selected from among the most liquid of all. To find brokers available for these markets, use the Smart-Lab rating.
In addition to income from rising stock prices, some companies also pay periodic dividend payments, sometimes reaching more than 10%.
!!! Necessarily read this article onForbes: Woe from mind. Should investors trust analytical forecasts // How investment analytics confuse profit hunters.
We do not recommend investing money in cryptocurrencies by purchasing them for investment, since the fluctuations are too strong, but we do not exclude this method. We recommend doing mining. Mining equipment pays for itself in a matter of months, and the risks, compared to buying cryptocurrencies, are practically minimized, since you can always sell it.
Since the end of the 20th century, real estate prices in the CIS countries have traditionally fallen in dollar terms due to the weakening of local currencies. However, the monthly rental income in large regional cities and capitals is always higher than the subsistence level, sometimes by several times. In addition, you don’t have to focus only on your own country; you can successfully invest in real estate abroad.
People who are afraid to invest money in buying a home and prefer reliable, long-term investments should pay attention to real estate in stable countries. As the Tranio study showed, during the crisis, property prices did not fall or fell slightly in six European cities: Berlin, London, Vienna, Stockholm, Helsinki and Luxembourg. According to Trading Economics, housing prices in these markets will continue to rise in price until at least 2020.
Instead of investing and investing money in the purchase of another apartment in Moscow or Kyiv, it is better to acquire it in the above countries. This way you will reduce your risks to a minimum, making your investment income stable.
Traditionally, local currencies of the CIS countries weaken in relation to any other major ones. Therefore, you should, at a minimum, keep your money not only in your native hryvnia, ruble or tenge. You should always diversify risks and invest money in several currencies: US dollar, euro, Swiss franc, etc. It’s better to lose a couple of percent than to become 2 times poorer like in 2009 and 2014.
You can do it, but you need to take into account that the payback on such investments can take years.
Due to the rise in the dollar exchange rate, everything produced abroad has become more expensive:
Usually local analogues are either absent or are not up to par in quality.
This type of investing is both excellent and risky. An excellent way to invest money, since the payback on sites is usually 2 years; risky - you can get filters from search engines, or stumble upon scammers and simply lose your investment.
However, if you learn to invest and understand website building, you can successfully engage in this business and minimize risks. The best places to buy projects are the following exchanges:
These exchanges act as guarantors of the transaction and will help you not lose your money.
Important! Purchasing projects always implies their further development in the form of finalizing content and adding new ones. Without these actions, projects are doomed to a gradual drop in traffic to a minimum and, as a result, a drop in income.
It will always be the best way to invest money in yourself and your life! The fact is that it is education that can help you think anti-crisis, teach you how to rebuild in difficult times, and start making money in all the above and other examples.
However, remember that every country faces a crisis at some point, but it always ends after some time. For some, the crisis is a tragedy, but for others it is a blessing. After all, if, for example, we take the shares of successful companies, then during the global crisis they also fall, but at this moment there are people who decide to invest and buy them for the long term, and after the crisis they sell them at completely different prices.
Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂
There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀
In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest your money.
You will also learn about where you should not invest your money so as not to lose it!
And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍
Regardless of what amount of money you are going to invest: small or large, this article will be as useful as possible for you!
In addition, you will learn:
Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉
First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.
No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).
You should always remember this, because investments can bring both profit and loss!
Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.
Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.
But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉
In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:
We will also consider all the pros and cons of each investment option.
Third to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.
For example, you can distribute it like this:
❗️Important:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!
On the contrary, many people strive to receive maximum income, but at the same time completely forget about risk. And as a result, due to greed, they are left with nothing.
Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.
And if you have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.
Read this article to the end, because at the end of the article you will learn about other important rules of investing!👇
So, let's finally look at the options and decide where you can profitably invest your money so that it generates income!
Deposit rates have been falling steadily downward in recent years and are likely to continue to fall in the future.
How to make money on stock growth - Google example
In 3 years, Google shares have grown by more than 100%!
For these purposes, so-called “individual investment accounts” (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).
☝️In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.
But naturally, there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!
The biggest risk for stocks (for those who bet on their growth) is a financial crisis! The rest of the time, shares generally grow steadily and show good profitability.
Alternatively, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:
If you do not want to invest personally, then there is an option to entrust your money to professional managers. But I will describe this in detail below.
CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| 15-100% per annum (change in share price + dividends) | depends on strategy | 1-7 years | from 5-10 thousand rubles |
| (⭐️⭐️⭐️ - medium/high) | (⭐️⭐️ - medium/high) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) With minimal/moderate risks you can get relatively high returns. | (+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold. | (- ) Knowledge required. Uncontrolled risk and “flirting” with the market can lead to significant losses. | (- ) In the event of a crisis, shares can seriously and quickly fall in price. |
Along with bank deposits, bonds are considered one of the simplest instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.
For those who don’t know, a bond, simply put, is an IOU. Only large companies and states can act as borrowers.
? By the way, Sberbank and VTB24 recently began selling national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .
I agree, not very much, but the rate is certainly better than most bank deposits currently available. Moreover, in the future, deposit rates may decrease.
You can also consider bonds of large, reliable companies - their rates will be higher! For example, on Sberbank bonds the average yield is approximately 9,2%-12,2% per annum (depending on the term).
At the same time, you can invest large amounts of money in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.
I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.
Bonds, just like shares, can be purchased through an individual investment account (IIA) without having to pay income tax (if you purchase them for a period of more than 3 years).
CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 7% to 15% per annum (for risky ones from 30% to 100% and above) | depends on bonds (for government bonds - very low) | 7-12 years | from 10 thousand rubles |
| (⭐️⭐️ - medium/low) | (⭐️ - low) | (⭐️⭐️ - medium/low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income. | (+ | (- ) Relatively low yield compared to stocks and some other assets. | (- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less confidence in it. |
DESCRIPTION:
Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).
Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles per 1 dollar, and you sold dollars.As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).
You can trade on Forex either yourself or give money to professional traders to manage (this will be discussed in detail in the next section of the article).
When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.
It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise trading will most likely turn into a casino and lead to a sad result known in advance.
But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to strategy, then you can actually make good money on Forex. But this needs to be learned!
Although you can start on Forex with minimal amounts - from $1, you still need more or less serious investments (preferably from 100 thousand rubles), since even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be that big.
In my opinion, one of the most effective trading strategies on day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!
Among reliable brokers you can choose, for example, Alpari or RoboForex.
CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore riskier. However, with skillful investing you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 100% per annum and above | depends on the strategy (initially has a high risk) | 1-7 years | from 100 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If you have an effective strategy, you can get high returns. | (+ ) Low entry threshold and accessibility. | (- ) High risks, especially for beginners. You can lose significant money in a short time if you don't manage your risk. 99% of beginners lose their money. | (- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period. |
DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold...).
That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.
All you need to do is distribute the initial investment amount into parts (preferably at least 5-10) and invest in different managers.
For example, the Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.
At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.
⭐️ About profitability!
The income here can be quite acceptable - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!
PAMM accounts and PAMM portfolios for investments must be assessed based on at least 3 parameters:
For example, here is one of the most popular PAMM accounts on Alpari:
PAMM account “Lucky Pound” and its profitability (click to enlarge)
💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.
However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.
Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been generating losses over a long period. This is the whole secret of investment!
Read more about how to properly invest in PAMM accounts (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information there!
With larger initial capital, you can work with large stock brokers (for example Finam and BCS), which also provide various trust management strategies.
For example, you can give Finam in trust from 300 thousand rubles. Their website presents dozens of diverse strategies: conservative, moderate and aggressive.
Of course, both brokers and managers also cannot 100% guarantee that you will receive income.
I would like to tell you a few words about the so-called “structured products”.
They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).
The essence of structured products is that you also invest money in stock markets (more precisely in specific stocks, futures...), which experts expect will rise or fall in the future.
It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.
Here is an example of structured products on Alpari:
CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Especially suitable for beginners.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 200% per annum and above | depends on the type of strategy: conservative, moderate, aggressive | 1-8 years | from 500 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) By distributing funds among the most effective managers/strategies, you can get a good average return. Suitable for beginners. | (+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading yourself. | (- ) Relatively high risks compared to bonds and bank deposits. | (- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically. |
DESCRIPTION:
And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!
Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated or simply invested in someone’s business at the development stage.
Another option is to buy a ready-made business or open a franchise business (in this case the risks will be much lower).
Moreover, even if you have a small initial capital, you can still open your own business. Many people have opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and desire!😀
I myself started a successful business from scratch several times! By the way, if you look at the statistics, then among millionaires there are about 70-80% - these are entrepreneurs who started a business from scratch!
✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«
Read about how to find your favorite job/work of life.
If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s small at first. The main thing in this matter is not to be afraid take the first step!
Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?
Here are some more useful tips:
I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇
Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂By the way, goods from China are now very popular, where the markup can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page websites).
Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.
Moreover, in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).
In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.
Read more about how to organize in a separate article!
CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 1000% per annum and above | At the initial stage there is a high risk | from several months to 1-5 years | from 10,000 rubles (you can even start from scratch) |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) One of the highest returns among all investment instruments. | (+ ) It is easier for a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the idea! | (- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business. | (- ) You need to understand business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn. |
DESCRIPTION: Mutual funds can also be classified as trust management, which we have already talked a little about.
Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (investing in certain stocks, bonds...).
Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.
It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.
Mutual funds usually provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:
Profitability of mutual funds for 11 months
However, mutual funds do not provide a guaranteed profit, unlike bonds and deposits; there are also often unprofitable periods.
But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.
The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example Sberbank.
If this type of investment is suitable for you, then it makes sense to choose not one mutual fund, but several, in order to distribute possible risks.
And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on forums. With this simple action you will protect yourself from unreliable and fraudulent organizations.
CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 12% to 30% per annum | moderate | 3-10 years | from 1,000 rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The average yield exceeds interest rates on bonds and deposits. | (+ ) Low entry threshold, as well as state control of the activities of mutual funds. | (- ) There is no guarantee that you will receive income. There is an additional “commission” (surcharge) for the purchase/sale of shares. | (- ) You will have to pay 13% tax on profits - many other investments have preferential tax conditions. |
DESCRIPTION:
Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.
The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).
The longer the investment period, the higher the interest rate. The minimum period in MFOs is usually 3 months.
It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest money in bonds or in a bank at interest.
If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.
⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.After all, it is better to invest money in a reliable organization at a slightly lower interest rate than in a newly established MFO with a high interest rate.
Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.
If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀
And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉
CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 10% to 30% per annum | moderate | 3-9 years | from 1 million rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️ - medium/low) | (⭐️ - high) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High rate relative to bank deposits. | (+ ) Passive income. Minimal participation on your part. | (- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles. | (- ) Increased risk, since there is no deposit insurance - in the event of bankruptcy, no one will return the money. There is fraud. |
DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. Moreover, such investments are highly reliable!
It is especially important to invest money in gold and other precious metals during a crisis, since this is where money migrates from the stock market.
Gold coins/gold bars can be purchased from almost any bank (Sberbank, Gazprombank) or from brokers (for example, Alpari).
Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for a longer term period of 3 years or more.
Gold prices - chart
❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.
The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.
However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly in price since 2012 and is currently in a sideways trend.
CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term for the purpose of preservation.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 3% to 15% per annum (in a crisis the yield is higher) | Minimum | 7-20 years | from 1000 rubles |
| (⭐️ - low) | (⭐️ - low) | (⭐️ - low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time. | (+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis. | (- ) Low profitability during periods of economic growth and development. Income tax is 13% on the sale of gold if the holding period is less than 3 years. | (- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold. |
DESCRIPTION:
Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.
Of course, the best time to invest was a few years ago when Bitcoin was worth around 150-200 dollars.
Some experts say that in the future Bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.
Others argue that Bitcoin is about to collapse. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably increase in price.
Moreover, while cryptocurrencies are showing a steady growing trend.
But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it and yet it is a rather risky investment instrument.
For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!
CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for themselves, one thing is clear - it is definitely not worth investing all your money in them!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 1,000% per annum | elevated | from 3 months to 1-5 years | from 100 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very tall) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If cryptocurrencies grow, you can multiply your invested funds in a short period of time. | (+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency. | (- ) Very high volatility of cryptocurrencies; in a matter of days they can both rise in price and seriously collapse. Low predictability. | (- ) Cryptocurrencies are not backed by anything, as this is another bubble. There is a complete lack of guarantees - if you lose money, no one will return it. |
DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on this global network.
It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.
The following directions are currently popular:
1. Websites. Information websites are created and filled with unique content.
With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.
WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very wide, since the topic of the site determines how much income you will receive.
Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.
But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.
2. Social publics. Surely almost each of us is subscribed to some community on social networks (VKontakte, Facebook, Odnoklassniki...).
Meanwhile, the owners of such public sites also earn money mainly from publishing advertising posts. In public pages with millions of subscribers, the cost of one advertising post can be 2-7 thousand rubles .
Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, you won’t have to wait long for success!
3. CPA affiliate programs/traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods/services.
For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.
If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, the main investments here go specifically to advertising.
But in this case, experience plays the main role, without it you can’t go anywhere!
4. Online services. You can also invest money in creating an online service. These include various freelance exchanges, message boards, exchangers...
For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.
For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is with the help of exchangers. By the way, you can also purchase bitcoins using exchangers.
Exchangers, in turn, charge a small commission for the exchange (usually 1-5% ). Due to turnover, a fairly decent income is obtained.
5. Applications for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is circulating.
Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.
❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.
Even if you don't know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.
Here, as elsewhere, the key role is played by the idea - the success or failure of the application depends on it.
6. Hype. HYIPs are in reality a financial pyramid that lives off the funds invested in it.
Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.
There are HYIPs that “live” for several months or even several years, but the profitability on them is correspondingly several times/tens of times lower.
In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).
And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand this.
CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 500% per annum | moderate | from 3 months to 2-4 years | from 500 rubles |
| (⭐️⭐️⭐️ - high) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High profitability. The investment can pay off very quickly. | (+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort. | (- ) There is a risk that the project will not take off and will not pay for itself. | (- ) Knowledge will be required. You need to have a good understanding of the key nuances of online business. |
DESCRIPTION:
Venture funds are especially widely developed abroad; in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.
The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.
A distinctive feature of venture investments is their very, very high returns, they can bring in thousands of percent!
But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.
☝️ Real example!
Today's largest companies Apple, Google, Intel... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .
There are basically several ways to invest money in startup projects:
CONCLUSION: Yet venture capital investments are poorly developed in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 40% to 3000% per annum | elevated | from several months to 1-3 years | from 10,000 - 100,000 rubles (to venture funds - from $500,000) |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very tall) | (⭐️⭐️⭐️ - high) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If successful, you can get the highest possible return. | (+ ) It is not always necessary to invest large amounts of money at the start of a project. | (- ) Very high risks, most starting projects turn out to be unprofitable. | (- ) Fraud is widespread - investment platforms can turn out to be financial pyramids. |
DESCRIPTION:
Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.
It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent profit on investments.
❗️ The only important feature is that such investments often require large investments . And besides, to get a good return you need to invest for a long period ( decades ).
Like investing in precious metals, investing in art is not subject to inflation and will only become worth more over time.
And the crisis has virtually no effect on the value of art objects.
CONCLUSION: This type of investment is suitable for those who understand at least something about art and are ready to invest money for the long term.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 100% per annum and above | minimum | usually from 1 to 3-5 years | from 100,000 rubles and above |
| (⭐️⭐️ - medium/high) | (⭐️ - low) | (⭐️⭐️ - average) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) You can get relatively high returns with minimal risks. | (+ ) High reliability. Over time, art objects only increase in price. | (- ) Often, investing in art requires a large initial capital and involves long-term investment. | (- ) You need to be a specialist, have specific knowledge and experience. |
DESCRIPTION:
No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience...).
It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.
I think more than once you have heard stories about how most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).
In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow!
If you have free funds, then it makes even more sense to invest some of it in your development: attend trainings, webinars and seminars.
One of the most important differences between investing in knowledge is that no one can ever take it away from you. You can lose everything, but not the acquired skills and experience.
For example, in the USA they conducted an experiment: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after just a couple of months he managed to earn tens of thousands of dollars from scratch.
CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t forget that even a bad experience is also an extremely valuable experience! 👍
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| endless | minimum | from several weeks/months | from 0 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️ - very low) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The most important and most profitable asset in the world is knowledge, skills and experience. | (+ ) No one can take away your knowledge and experience, and you will always be able to turn it into money. | (- ) For many, it is difficult at first to motivate themselves to study. | (- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience. |
And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!
First, what I already talked about at the beginning of the article is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.
Instead of investing everything in one tool, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.
If you have very little money, then think about starting your own business.
Second— try to invest most of your funds (40-60%) in assets with the lowest risk; the optimal choice between profitability and risk, in my opinion, is real estate.
And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.
Believe me, this is an already tried path on which hundreds of millions of rubles have been lost!
It will allow you to survive unfavorable times and find other sources of income.
Fourth- create passive income so that you can receive money even when you are not working.
Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.
It will also be great if you learn to give 10% of your profits to charity.
As Socrates said:
There is only one good - knowledge and only one evil - ignorance.
In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!
I will not consider very risky investment options in these examples. Let's consider only conservative and moderate-risk investments.
100 - 200 thousand rubles is not such a large amount, so I would most likely invest it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.
As an option, if you do not want to invest in a business, you can consider bonds. As a last resort, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.
If the risk allows, you can try investing in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.
This is also a relatively small amount by investment standards. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.
If there is an option within this amount to purchase real estate at the construction stage, then you can invest in it.
Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.
For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.
Or alternatively:
At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.
The world is full of people who invent various schemes to steal money through fraud. Especially nowadays, fraud flourishes abundantly on the Internet (and not only!).
Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.
Both on the Internet and in real life, people often come across “super profitable” projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payments, very favorable conditions, etc. - all if only people would invest their money. 
Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from other people's greed!Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!
The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on the investments of gullible people.
Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.
Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.
Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.
I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).
Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞
If you are not yet particularly versed in a particular investment object, then invest time and money (it’s not even necessary) first of all into your knowledge ! This will be your most profitable investment!
Well, you have learned about all the most popular and profitable areas for investing money.
Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!
I hope my experience was at least a little valuable for some of you and you have already decided where to invest your money! 😀
Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !
❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!
Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍
P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!
In the conditions of an unstable economy in 2018, it is very difficult to decide where to invest your own savings so as not to lose them and make additional profits. It is necessary to invest money, if only because it is useless to store capital at home - constant inflation leads to the depreciation of money, so any amount can simply disappear.
However, a well-chosen investment option will not only preserve your savings, but will also help you become richer with their help. Let's take a closer look at the most reliable and riskier ways to invest money, which will help you make money even in a very difficult 2018.
For those who are just beginning to navigate the world of big finance, they are suitable least risky, although low-return options. If your goal is not to earn as much money as possible by investing it in a risky project, but simply want to save your savings and protect them from inflation, bank deposits and government bonds will help you with this. Each option has its own advantages. In 2018 they also remain relevant.
The most common, albeit least profitable method is to place funds in bank deposit. Such an investment relieves the investor of the need to store capital at home, and also allows him to receive a small profit in the form of interest from the bank. The most reliable option is to invest money in giants of the banking sector, such as Sberbank, VTB, Rosselkhozbank and some other organizations. They are partially controlled by the state, so the risk of financial collapse of such banks is minimal.
Pros and cons of bank deposits:
The only disadvantage of a bank deposit is its low yield. The rates of even the largest banks do not exceed 9%, which at best covers inflation, but does not increase capital. Essentially, the bank manages your money and takes the profits for itself. While you can manage your finances yourself.
Bonds are government securities that are issued to attract financial resources from the public. Such paper gives the right to a refund of the purchase price and to receive additional income in the form of a percentage of the price.
The following are distinguished: types of bonds according to the method of issuance and the possibility of generating income:
All listed papers represent debt obligation of the state to bond buyers. They are in demand during a crisis, when the state needs to attract capital to cover the budget deficit. When the situation improves, the funds are returned to the bondholders with payment of the required interest. Bonds can be distributed among buyers using a bidding system at auctions, with the Russian Ministry of Finance acting as the issuer.
The advantage of such securities is guaranteed return on investment and profit, this is especially important in unstable times of crisis. The downside is low returns: this is one of the least profitable investment options in terms of profit.
Another important point: when purchasing bonds, funds are actually transferred under external management
If you do not understand economic mechanisms and do not want to constantly monitor the situation on the market, investing in a deposit or government bonds is the most reliable solution.
For those who own large capital and want to make large profits from it, there are several riskier investment options. At best, deposits and bonds cover inflation; at worst, some of the money simply burns out. Because of this, investors are forced to look for more profitable investment options, despite the increasing risk.
Let's take a closer look at the most promising options for investing large and medium capital:
One of the relatively reliable investment options is investing in the purchase of real estate. Despite fluctuations in the housing market, it will always be in price; this is the most reliable way to store capital for a long time.
There are investment strategies involving borrowed funds: the investor invests in the purchase of unfinished housing on the terms of shared construction with a mortgage, and after a few years sells the finished new building at a high cost. The level of profitability in this case can reach 20-30%, however, such strategies can be considered risky. Against the backdrop of the financial crisis, housing may remain unfinished, and price fluctuations may lead to a sharp drop in property values.
However, this investment option has several significant advantages.:
This investment option has its own risks. It is necessary to carefully check the legal purity of the transaction with any real estate; to complete the purchase, you must find a trusted real estate organization with a good reputation. Caution and careful verification of documents allow you to avoid fraud and other unpleasant situations.
Another a reliable long-term investment option - buying precious metals: gold, silver, platinum, palladium, etc. Despite inflation, their prices change little; precious metals do not lose much in value even in the most serious economic crisis. This is a reliable solution if you want to invest money for a long time: prices for gold and other precious metals are growing slowly but surely.
To purchase precious metals there is several possibilities:
Purchasing precious metals is considered a low-income but reliable option; this method of investment will not cease to be in demand.
Structured deposits are opportunity to receive increased income from investing in a bank, compared to regular deposits. Such a deposit represents the simultaneous use of two banking products: the funds are divided into two parts, and one of them is placed in the bank in the form of a time deposit, and the second is used to invest in some asset. This could be a share in an investment fund, a futures contract, company shares, and much more.
The first part of the investment provides guaranteed profitability: the profit on the deposit must be such that it covers possible losses on the investment in the second part. As a result, the risk for the investor is reduced to a minimum: even if an investment in assets does not bring in money, the invested funds will be returned. With the right selection of assets for investment, you can get considerable profits.
Structured deposits are offered by large banks such as Sberbank, VTB, Gazprombank and others. For each investor, the most reliable option for investing funds is selected, taking into account the current market situation and profitability prospects.
Structured deposits combine the benefits of investments with previously known and unknown income:
Profitability is partially reduced because banks and investment companies charge fees for their services. All factors must first be calculated so that the income is above the minimum value.
One of the rather risky investment options is purchasing a ready-made business with already running mechanisms and a network of clients. Creating a business from scratch is problematic: you will have to find your niche, fight competition, win the trust of consumers and negotiate with suppliers. A ready-made company has already gone through all this; they can only invest in further development.
All offers of ready-made business can be found in our section
This solution has the following advantages:
However, this solution has many disadvantages. Few people sell an ideal business of their own free will: most often, owners are in a hurry to part with unprofitable enterprises that cannot cope with their obligations. Business reputation suffers when managers change, employees may begin to quit en masse when management policies change. Often, after completing the transaction, the buyer discovers that the company has already been blacklisted by suppliers and other contractors, so it is impossible to continue doing business.
To avoid such a purchase, you must carefully check the financial documentation. You need to try to find out the true reasons for selling the business and determine the attitude of the staff towards the organization.
Before purchasing a company, a full audit is carried out: financial statements, tax returns are studied, and an inventory of property is carried out.
One of the popular investment options is investing in existing projects with the opportunity to earn good money. The investor chooses a promising enterprise that needs funds for development, and after a certain period of time returns the invested capital with interest.
All proposals for investment projects can be found in the catalog of investment projects.
In this case funds are actually transferred under someone else's management, so you need to be completely confident in the profitability of the enterprise and the reliability of its owner. Before investing money, you need to carefully study the business plan, evaluate the company’s accounting documentation, and become familiar with its credit history and financial reputation. If there is even the slightest doubt about the partner’s honesty and trustworthiness, it is better to refuse such a deal.
Investing in someone else's business is always a risky endeavor. The economic situation is constantly changing and It is difficult to calculate profits several years in advance. The most promising project may turn out to be low-income at best, and unprofitable at worst.
However, a successful investment in an investment project is an opportunity to get large profits in just a few years
Investing in stocks provides the opportunity for passive income for many years through institutional dividends. The more stable and successful a company is, the higher the value of its shares, and the more profitable the resale. However it is difficult to predict in advance the profitability of a business in a few years: A fall in stock price will result in no income and direct losses. To prevent this from happening, you must carefully choose the direction for investing capital.
Distinguish two types of shares for long-term investment:
Organizations issue shares to raise new funds: every issue is an opportunity to expand activities and make a profit. However, expanding the circle of shareholders is an additional risk, so you need to carefully study the financial reputation of the company.
To prevent losses, you need to constantly monitor the stock price
It is profitable to purchase them at the depth of the fall: in this case, the risk of losses is minimal, even a small increase in the exchange rate will lead to an increase in profits. Investing in shares of large companies is beneficial for those who are interested in long-term profits: even if prices are falling now, in a few years they can rise significantly.
An example is Alisher Usmanov’s purchase of Alibaba shares in 2011. During this period, the value of the company was estimated at 37 billion dollars, but after 4 years it increased to 277 billion. The value of the shares increased many times over. As a result net profit for shareholders amounted to 500%.
Franchising is a type of purchasing an existing business. The franchise is the right to open a business under a long-existing brand known to customers. The buyer of a franchise receives detailed step-by-step instructions: how to open a business, how to decorate the premises, how to train staff, what standards to work by in order for the venture to be profitable.
All current franchise offers for 2018 can be found in our catalog
The more profitable the franchise, the more expensive it is: buying a name can cost hundreds of thousands of rubles. In addition to the costs of purchasing and implementing instructions, you will have to pay an additional fee for using someone else’s brand, which also affects the return on investment.
However, such a purchase has advantage - no need to spend money on promotion from scratch, a popular brand attracts buyers, which means the business is guaranteed to be profitable. This is a good solution for a big city, where you can easily find premises to rent in an area with high traffic and a constant influx of customers. Following the instructions will allow you to get started right away and recoup your investment in a short time.
If there is no such place to rent, and the brand is little known in the city, then it is more profitable to start a business from scratch. Otherwise, the large costs of purchasing and paying a monthly franchise may not be worth it, and the money will be wasted.
If you already have experience in running a business or have a large enough amount to not be afraid of the costs, it is worth exploring high-risk financial investment options. The enterprise may turn out to be profitable, and then the investment will pay off in the coming year with little expense. However, more often the opposite happens: the business turns out to be unprofitable, and the investment does not justify itself. Every investor has the right to take risks and should explore all available options.
Creating your own business - one of the riskiest investment options, especially if you have no experience. A novice entrepreneur does not know many of the pitfalls of the business world, has no experience in attracting investments and drawing up a business plan. If you have a promising business idea, and you already know how and with whom you will implement it, it’s worth taking a risk.
First you need develop a detailed business plan. To do this, it is worth assessing the current market situation in the chosen industry, determining the level of competition and upcoming costs for renting premises, purchasing equipment, raw materials, hiring personnel and more.
It is advisable to find a niche in which there are few competitors: at the initial stage, coping with experienced business sharks is problematic. It is also better to do without using bank loans: banks are reluctant to give loans for new projects, and the interest on them will be very high.
Despite all the risks, owning your own business remains one of the most popular investment options. It attracts young entrepreneurs for several reasons:
New franchising products include offers that appeared less than a year ago and are still unknown to the general public. Their advantage is ready-made instructions that will help a novice entrepreneur quickly create his own business and start earning money. Such a plan and a registered trademark eliminate the preparation costs; setting up a business will take little time. The estimated payback period for investments is 2-3 years, after which the company will begin to generate net profit.
However, a new franchise is an increased risk. It is unknown how popular the company will be, whether it will be able to outperform competitors and win the trust of consumers.
If long-running franchises have already proven their effectiveness, then an untested brand is a double risk
For such an investment to be profitable, careful calculation of investment and payback period is required, as well as constant monitoring of the business over several years. Franchising is a risky investment option and requires careful planning.
A startup (from English Start-up) is a business project that is at the very beginning of its development. Often this is only a potentially profitable idea, the implementation of which requires considerable financial investments. Is it worth investing in someone else's venture?
On the one hand, this is an opportunity to help a novice entrepreneur, and if the idea turns out to be profitable, the investor will return all investments and receive a solid income. You can find dozens of examples of successful commercial ventures that would have been impossible without outside financial assistance.
To attract an investor, a detailed business plan must be developed calculating the payback time and upcoming costs
On the other hand, investing money in a startup ;— one of the most unpredictable investment options. If a business has not even begun to exist, it is impossible to estimate its profitability, predict the number of customers and detailed development costs. An investment can result in large losses without the possibility of getting your money back, or, on the contrary, it can become a source of profit.
For a beginning businessman, attracting an investor is also a risk. In this case, the investor can influence the company's policies and interfere in financial management, and this often interferes with business development. Both parties must carefully weigh the risks to make the right decision.
One of the most options where you can invest money is playing on stock exchanges and the famous Forex. It is a transnational market for trading currencies and other assets; profit on it can be obtained by buying and selling assets at different rates. The excitement around it has not subsided for many years, and there is no reason to expect that this trend will die out in 2018. Forex and similar stock exchanges have several advantages:
However, this investment option has many more disadvantages and risks. It is impossible to accurately predict exchange rate fluctuations: the most experienced traders say that they have repeatedly completely lost their deposit, that is, they have lost all the money they invested and earned. Training requires knowledge about the financial world and takes a lot of time: it takes more than one month to learn all the intricacies and secrets of the stock market. Because of this, many participants treat it like a lottery or gambling rather than a serious investment.
Playing on stock exchanges is a profitable but very risky activity., so it’s best not to make it your only investment option. It is much safer to invest at least part of the capital in reliable projects, and use only a small part for stock trading.
Like banks, microfinance organizations not only issue loans, but also accept investments, and The interest rate on deposits there is much higher than in banks. An investor deposits funds into an MFO, the organization issues this money to borrowers in the form of loans at high interest rates, after which the investor receives the planned income. The scheme is similar to investing money in a regular bank deposit, but has a number of unpleasant differences:
A risky investment option is investing in so-called ultra-profitable sites on the Internet. One of the varieties is HYIP - an investment project that most closely resembles a financial pyramid. Funds for such projects come only from new investors: Each new investor brings money. which will go to existing investors. As soon as the funds stop flowing, the financial pyramid collapses, and only its organizers and the very first participants remain in profit.
The profitability of such projects is questionable: some manage to earn large sums, but the vast majority of investors are left with nothing.
The activities of financial pyramids are recognized as fraudulent, but this does not stop those who want to get as much as possible without effort. In 99% of cases, such investments end in losses, and the very next day a new project under another big name may appear on the Internet. The most dangerous investments are in quick HYIPs - projects last only a few days, and they promise the highest interest rates.
When choosing an investment option, you must avoid outright fraudulent offers and risky methods that will lead not to profit, but to guaranteed losses. The Internet is full of tempting offers that promise guaranteed profits, but the result will only be loss of money and disappointment. There are several directions that it's best not to consider it at all:
These are just some of the methods of deception that force investors to part with their invested money. The main sign of fraud is promise of a miracle: incredibly high rates, instant profits, guaranteed results without effort. The love of freebies results in big losses and complete disappointment. In the worst case, scammers force you to bring several friends into the next pyramid, who will also part with their money.
To understand the intricacies of investing, it is necessary to study at least the basics of economics and the existing range of investment proposals. It is much more profitable not to delegate financial management to a third-party specialist, but to study the financial market on your own in order to take advantage of all its opportunities.
For training you can choose the following options:
Training to improve financial literacy - one of the most valuable investment options. The more you know about the world around you and economic mechanisms, the lower the risk of losses and the higher the chance of a successful investment project. Use maximum opportunities to achieve a guaranteed positive result.
