5 (100%) 5 vote[s]
A rhetorical question that always worries investors: "how can you effectively save and increase your capital, where to invest money"? With the development of the economy and the massive spread of the Internet, many options for investing money have appeared. This article will only cover available options for everybody. We will look at the risks, rewards, advantages and disadvantages of each investment method. The material is written in an accessible and understandable language for novice investors.
Note 2
Through these brokers, you can also buy foreign shares. In this case, we still insure ourselves against the currency risk of the collapse of the ruble.
I advise you to read the following material for a better understanding of the specifics of the stock market:
The stock market has only one disadvantage - it is risks. But they are more related to short-term vision. That is, if we consider investments in securities for a couple of months, then it is impossible to accurately predict what income or loss will be. Therefore, it is recommended to invest only with long-term intentions (from a year).
There is such a popular passive strategy: buy and hold. As practice and experience show previous years, it brings good profit and does not take time.
The risks of bankruptcy of large companies for no apparent reason are negligible. In addition, when investing in the stock market, it is worth creating an investment portfolio (a set of stocks and bonds different companies and from different sectors of the economy). This greatly reduces risks. Periodically (once a quarter) it is necessary to review your portfolio in order not to hold shares of troubled companies. The situation is constantly changing, so you need to quickly adapt to new realities and always have only the best securities in your portfolio.
For example, you can focus on those stocks that pay dividends well year after year. Such securities are also called "dividend" shares. This is what many investors with large capital do.
The main thing is not to sell your shares during crises, because at this time securities underestimated. Selling is best in a moment of growth euphoria. But how to determine the peak of growth is a difficult question. Even tough experts are not able to accurately predict this moment.
In order not to compile an investment portfolio on your own, you can simply buy ETF funds. It is a copy of the MICEX stock index. There are also other options for investing with ETFs. For example, US Treasuries, gold, SP500 index.
How not to buy shares at the peakSince no one knows when a stock has a “peak” and when it has a “bottom”, then you should buy them for the same amount periodically. Thus, we will never buy at the "peak". The average purchase price will lie somewhere in the middle. Of course, if the price has been falling for a long time, then if possible, you can bribe the asset with a larger volume.
Bank deposits are in first place in terms of the number of investments in our country. Mutual funds and the stock market are significantly behind. In the US, the situation is the opposite: Americans are more likely to invest in securities than in deposits. Most Americans have a brokerage account. As statistics show in Russia, the stock market is gradually becoming more popular among the general public.
The rate on deposits is at the level of inflation or slightly lower. It is impossible to talk about earnings with such an investment. In fact, the bank only offers to save and save money. In any case, this option is better than keeping money "under the pillow" at home.
The deposit is the most predictable and reliable way of saving when it comes to relatively small amounts up to 1.4 million rubles. There are no risks at all, since the DIA (Deposit Insurance Agency) will pay the entire amount of the deposit after two weeks if the license is taken away from the bank. If your amount is more than 1.4 million rubles, then you can simply distribute the money to several banks. This will ensure that all money is fully insured.
An increasingly less popular way to store money in foreign currency. Indeed, what is the point of keeping rubles in dollars and euros when they rarely grow, and during this time you can make good money on deposits or the stock market?
If you have a relatively large capital (more than 10 million rubles), then you can recommend buying some currency to diversify the risk.
Buying many different currencies does not make sense, since everything in the world is pegged to the dollar. It is enough to buy "hard" currencies:
The dollar option has its weighty advantages. For example, having bought $5,000 on the MICEX currency section, they can be invested in Eurobonds of Gazprom or VEB. Coupon income on them is 8.7% and 5.6% per annum respectively. This will be a great way to store currency and increase it at the same time. Plus, the dollar is the most liquid instrument, which will allow you to exchange it at the market rate at any time.
An alternative option is to keep the currency in bank deposits. True, the stakes on them are extremely small. It will be good to find a contribution at least under 1-2% per annum. But is it worth putting money under such small percentage? Considering investing for many years is worth it. It makes sense to buy currency for a couple of months only for speculative purposes.
Many will remember 1998 and 2014 in Russia, when the ruble depreciated heavily against international currencies. Yes, there are crises, but they don't happen that often. Do not constantly wait for the crisis. It is much more efficient to act according to the situation.
The dollar can easily collapse in the world to other currencies. The United States has a powerful economy, but there are enough problems there. Such situations have happened more than once in history, so keeping money in dollars during the period of ruble appreciation can even lead to losses.
It is most advantageous to buy currency on the currency section of the MICEX. Here you can buy and sell currency at the exchange rate. All exchange offices and even the Central Bank rate the next day are guided by this rate.
To enter the currency section of the exchange, you will need all the same brokers:
Benefits of holding money in foreign currency
Disadvantages of holding money in foreign currency
Read also:
Buying real estate has always been and will be a trend among our population. True cost square meter Housing has slumped significantly since 2014. However, as the history of past years shows: real estate becomes more expensive on average by 5% per year.
If we stick to this mark, it turns out that our fortune will grow by only 5% per year. This is even less than a bank deposit. Don't forget about the monthly rent as well.
However, we can rent out properties. The profitability of the lease is somewhere at the level of 5-8% per annum. In this case, we can count on a stable 10% per annum from our real estate investment. But this is at best. Still, it is more realistic to focus on a yield of 5-6%.
There are virtually no risks of keeping money in real estate. There is only the risk that no one will want to rent housing for a long time or that taxes on the ownership of a large living space can go up a lot (this has already been discussed more than once).
Real estate advantages:
Cons of real estate:
Note
Few people think, but instead of buying an apartment, you can buy a garage. Its payback is much higher. For example, if a garage costs 300 thousand rubles, then you can rent it out for 3,000 rubles, which is 12% per annum.
Cryptocurrency burst into our lives very rapidly (what is cryptocurrency in simple words). Its sharp exchange rate fluctuations have attracted tens of thousands of new traders and millions of ordinary users. At the moment of 2020, we can safely consider it as an option for investing part of our funds.
Why is it worth doing it? Cryptocurrencies are promising in the future when they occupy a wider market. At the moment, far from many companies accept them, but this is already an indicator of trust in them.
Exchange rate growth cannot but please the owners of cryptocurrencies. In 2017, the market grew tens and hundreds of times. Of course, it cannot and will not grow so fast forever, but nevertheless, the chances for growth are much greater than for a fall.
These are extremely risky assets, but on the other hand, potentially the most profitable, so it is better to invest only a part of your funds here.
Of the promising cryptocurrencies worth buying:
You can buy cryptocurrency in several ways, consider the best ones.
This is the main question of interest to business people in Russia. Especially sharply began to rise within economic crisis. Unstable economic situation in the country makes you think.
The instability in the financial market prompted citizens to think where to invest money in Russia, due to increased risks and lack of understanding of the ongoing changes.
Bonds and stocks remain only securities» subject to temporary influence. Gold is the most stable currency among precious metals. For several centuries, this precious metal has only continued to increase its growth rate.
State banks support the value of this direction with gold reserves. Investor, invested in gold, sleeps peacefully, knowing that the price of it will only increase.
Precious metals have some peculiarities, suppose a person decided to invest in gold, went to banking institution m for the purchase of a gold bar, in addition to the cost of goods, an 18% tax will be imposed by the state. When selling an ingot, there is no taxation, but no one will return the percentage overpayment.
Russians consider gold and silver jewelry as an investment. This is partly true, but the cost of the product includes the work of a master (jeweler). The second negative point is sales. When trying to sell jewelry, pawnshops accept it at the price of scrap significantly different from the cost of goods.
The acquisition of precious metals is a very profitable investment direction, you should take into account the minimum threshold of profitability - 3 years. Average income from gold + 20% per annum.
Risk-averse people can afford to invest in bonds. A bond is a business issue, the instrument is designed to receive a fixed income after a certain period of time.
You should not expect big earnings on bonds, call them a profitable investment - you can’t turn your tongue, but how cash deposit mechanism, is worth considering.
One of the most profitable forms where you can now invest rubles is " Stock". Along with high profitability, it is associated with increased risks that depend on external influences.
A share is an equity security that gives the status of " co-owner of the company» allowing to count on a part of the profit of the organization. The connection is simple, the company develops and prospers, the package of securities grows in price, the co-owner receives part of the profit, if the company suffers losses, the owner also bears losses.
Work is carried out through brokers. More offers, allows you to independently choose stocks, work out strategies, and predict the behavior of indicators. Low threshold for entry, high probability rapid development constantly attracts new faces to the industry.
Fundamentals of investment business- acquisition financial literacy. Keeping current projects under control, predicting market behavior, capturing the subtleties of the environment - these are the main components of a competent capital investor.
The term " financial pillow» - 6-month financial reserve, for pain-free living, without changing the previous state of life. This condition must be met without taking into account other sources of income.
Study investment activity without a certain cash reserve is unreasonable. The only exception is a deposit in a banking institution, which for the most part acts as an instrument for saving current savings.
In the event of a delay in the transfer, freezing of the project, risks associated with the complete or partial loss of the allocated funds, there should be an airbag. This is not advice, this is a postulate!
Alexey, 32 years old, Krasnodar
Time goes by and money depreciates. I started looking for where to put them. First I opened an account and started trading on Forex. I came to the conclusion that this is not mine.
And here I did not lose. Look at the current rate! Cryptocurrency is the future, it is already accepted in stores.
It's nice to profit from money that has been earned before. Making money work requires knowledge and understanding of the situation. There are investment methods for beginners and financial pros - we offer an overview of the most popular options.
The question is as old as the world. A person feels ideally arranged in life only when he withdraws decent amounts from bank card without doing anything about it. To make a profit from what has been earned before, and thus secure the present and future for oneself, is a sign of a person with a good head.
There is no need to consider the conclusions made in the article as a guide to action - what turned out to be profitable for the author may not suit you. Choose ways to earn money yourself, then you can rightfully consider both laurels and spikes only your own. However, first it will be useful to dwell on how to make money today on what you earned yesterday.
Let's see what ways to get income from invested money exist, and try to determine the most profitable of them.
There is nothing easier. You transfer your money to the bank and receive a certain percentage of the deposit amount. The bank makes money using your money.
A simple example. You deposited a certain amount at 10% per annum. A year later, you get your money and 10% on top (which can be received in monthly installments). Credit rate in this bank 20%. Thus, the person to whom your money will be loaned will pay the bank 20% of the loan amount for them, and the bank will earn 10% through mediation.
The scheme is simple, understandable, predictable and most reliable. Other financial instruments cannot boast of such predictability. Moreover, deposits over 700 thousand rubles are insured by the state and are guaranteed to be returned to the depositor, regardless of financial condition jar. The amount of more than 700 thousand can be divided into several deposits, protecting yourself from losing money in the event of a bank failure.
Calculate income easily loan calculator banking page on the Internet. Given the high reliability of a bank deposit, its low profitability does not allow it to be considered profitable. The method is good for initial accumulation with subsequent investment in more profitable areas, and also as a monetary "airbag".
Thus, the trader takes risks together with investors. Profits and losses are automatically distributed at the end of the trading period between the PAMM account manager and investors according to the offer - a public contract that sets out the conditions. The investor's participation, therefore, is limited to choosing a manager and investing money in his PAMM account (see "").
The convenience of PAMM accounts is that for investments you do not need to have special knowledge and a minimum initial investment threshold. Disadvantages - complete trust of your own money to a third party and the inability to influence the result.
A slightly less popular way of investing capital. Mutual funds are a kind of financial accumulator, where the money of small investors (shareholders) is collected and used by managers for various kinds of investments in order to make a profit. These funds can be invested in stocks, bonds, precious metals, currencies, etc.
Funds are not just invested, they are managed. Assets are bought, for example, at the time of the minimum price with reasonable confidence that the growth of their value is mandatory. To determine this probability, technical and fundamental analysis is used.
Analyzed economic situation in the world, region, economic and political news, and a host of other components that are difficult for the average person. The task of mutual funds is to save a person from all these difficulties, get their money and earn money for themselves and the layman, who, earning in this way, does not need to be distracted from his main activity.
Perhaps an investor in a mutual fund after a while will master the business and begin to invest on his own, but that will be another story. For successful investments, the “right” mutual fund must be chosen. There are plenty of recommendations for choosing on the Internet, and those who are especially interested can be recommended to take the “Successful Investor” training, where they can learn the ABC of profitable investment.
The advantages of a mutual fund include a low investment threshold, a rigid state control activities, professional management and no taxation for the investor.
Disadvantages of mutual funds - a higher risk compared to fixed income instruments, the cost of issuing and storing certificates, paying remuneration to the management company, regardless of profitability, and some others.
A share is a security that indicates the share of the owner in the capital of the company and entitles its owner to a part of the company's profits. Much has been written about what stocks are and how they differ. Compared to other ways of investing, investing in stocks is the most profitable in the long run, but also the most risky. Investing in the purchase of shares forces you to constantly monitor the situation on the market, avoiding capital losses due to a decrease in the value of shares in times of crisis.
Bonds are debt securities that guarantee their owner to receive a certain amount of money from the issuer. Designed for those who do not like to take risks. High yields on bonds are impossible - usually it is comparable to the yield on deposits.
Such a tool cannot be considered as a profitable one, but it is quite suitable as a way to diversify investments. The term diversification means distribution investment capital between risky and reliable instruments. Reliable (such as gold, deposits, bonds) with a minimum yield allow you to save the capital invested in them, regardless of the situation on the market.
Forex (FOReign EXchange) is an interbank foreign exchange market at free prices. In fact, this is speculation in various currencies. For example, if you buy 100 euros for $130, after some time you sell them for $160, earning $30.
Trade in Forex currency pairs, as shown in the example. The value of currencies depends on many factors and is constantly changing. For example, the financial instability of certain eurozone states (Greece, Spain, Portugal) leads to the fact that investors, fearing a fall in the euro (this currency is needed to support financial systems these countries), get rid of it. Its volume on the Forex exchange is growing, its value in relation to other currencies is falling. On such fluctuations in rates and earn on Forex.
You can, having previously learned, trade on Forex on your own, or you can trust your money to professional traders. The method of investment, despite widespread advertising, is doubtful. If you trade yourself, you have experience, knowledge, strategy, will - this is your method. But the statistics are inexorable: only a few have made fortunes in Forex, and millions have made burnt-out optimists. So, it's up to you.
Or insurance in case of unforeseen circumstances. It differs from ordinary insurance in that it combines health and life insurance with the accumulation, preservation and increase of capital. Conventional insurance involves the payment of a certain amount upon the occurrence of insured event, and when endowment insurance, if such a case did not occur during the validity of the contract, you can receive the entire accumulated amount immediately or certain monthly payments until the end of your life. Naturally, this method of investing cannot be considered highly profitable.
OFBUs are very similar to mutual funds, but have broader investment functions. On the one hand, this expands the opportunities for increasing profitability, on the other hand, it increases the risks. There are known cases of profitability of investments in OFBU up to 600% per annum.
A negative factor can be considered the fact that, unlike mutual funds, OFBUs are much less controlled by the state. Sometimes OFBUs end up with a complete collapse due to the unprofessionalism of managers. There is enough information on the Internet about the work of the OFBU. Recommendations for investing in OFBU are very restrained. It is recommended to invest amounts that are not very difficult to part with. I think comments are unnecessary.
In Russia, a new and uncommon type of investment. At the current stage, this tool is available to a small group of wealthy investors. In the Western market, hedge funds are extremely popular. The minimum investment entry is from a few hundred to a million dollars.
The lack of intelligible regulatory regulation allows you to freely choose investment game strategies and use the widest investment tools. As a result, you can end up with super profits or suffer huge losses. A striking example of a hedge fund is the famous Quantum fund, the brainchild of a financial game genius who once managed to make a fantastic profit of a billion dollars in one day.
They are a set of financial instruments usually offered by investment and commercial banks for certain categories clients. Structured products gained particular popularity during the crisis, when the market situation required the search for reliable ways of investing that could give incomes greater than bank deposits.
The principle of a structural product is simple: approximately 80-90% of investment capital is placed in bank deposits, and the remaining 10-20% are invested in futures and options. In case of an unfavorable development of events, the investor remains "with his own", without losing anything, and with a successful investment, he receives a profit of 20-30%. Not very much, but higher returns on deposits.
By the way, a small but stable profitability is a sign of the manager's high professionalism. Investment genius Warren Buffett has been earning 24% per annum for his clients for many years. The figure is only at first glance not impressive - only Buffett can provide such a constant profitability.
For most, wealth has a golden sheen. How profitable investment gold can hardly be considered, although the price of it has recently jumped significantly. In times of crisis, gold helps save money. Investors are released at such times from stocks, bonds and other products and purchase gold. When the crisis releases the economy, and profitable ways of investing appear, the demand for securities grows. That is why gold prices rise during periods of crisis, and then most often fall.
Real estate is always profitable for investments. By itself, it is constantly growing in value and, in addition, allows you to receive income from renting it out. But the trouble is that real estate is very expensive and can only be considered as an investment by very wealthy people. If you have a large amount of capital, then investing in real estate may be an option.
You can get by with less money if you invest in real estate during the construction phase. In this case, certain parts will periodically have to pay the cost of housing. It is necessary to calculate a specific option, if there is a possibility of payments and this will not affect your standard of living, then you can invest at the construction stage, when the cost per square meter is much lower than that of built housing.
So, the main variants of financial instruments have been revised. Each of them has its own advantages and disadvantages. The principle is obvious: the more reliable the investments, the lower their profitability and vice versa.
The last option, which has not yet been described, is your own business. What determines the profitability of your own business? Only from its owner. Here, no one sets the rules and conditions: fantasy, efficiency, ingenuity are the key to the success of a businessman. Of course, there are various external circumstances that affect the business, but they are not critical and everything is in the hands of the owner.
Often, a correctly chosen business brings at least 100% per annum. In addition, you become a creator and participant in an exciting process in which almost everything depends on you. Along with your work, a person also changes: you become stronger, more self-confident, in general, you grow as a person.
In addition, you still have the opportunity to invest what you earn in various instruments to receive additional income. In life, you can never rely on anyone for the main thing. Only you yourself can become the master of your life, no one else. I made my choice: the best investment is your own business. Join and wish you good luck!
So where is it profitable to invest your money so that they work? In this article, we will look at 5 popular ways to invest funds that have stood the test of time.
Hello, friends! Alexander Berezhnov is with you, entrepreneur and one of the founders of the HiterBober.ru website.
In writing this article, I relied on my experience, the experience of my friends, and also studied a huge amount of materials and talked with large millionaire investors in order to give the most competent and detailed answer.
With this post, I begin a series of articles on the topic “Where to invest money”.
Here we will consider both popular ways of investing money and “exotic” ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.
At the end of the article, I will tell you where you should NOT invest money so as not to burn out. So let's go!
Here we will look at the principles that should be followed in order to get a percentage of your investments above the bank rate with almost the same reliability.
Why do I say that almost the same? Remember the golden rule of investing?
Profit is always proportional to the risks that the investor takes on!
It may seem banal for some, but the first thing you should start investing with is to acquire the necessary knowledge. This means that it is best to invest the first money not in stocks, not in gold, not in a bank, but to invest in yourself - they will pay off many times over. So it is recommended to do two richest man in the world - Bill Gates and Warren Buffett.
After you have the necessary knowledge and understanding of various financial instruments, their principles of operation, expected profits and risks, you can move on to practice.
Principle 1. Create a financial cushion
This means that without a certain financial base, it is STRICTLY FORBIDDEN to invest. The only exception is a bank deposit, as it is rather not an investment, but a savings instrument.
What is a financial cushion and how to create it?
financial pillow- this is a six-month supply of money that you and your family can live on while maintaining the usual standard of living, having no other sources of income.
You can create such a pillow by regularly postponing financial receipts (salary) or by selling existing property.
For example, if your family is used to living on 50,000 rubles a month, then you must have at least 300,000 rubles to start investing.
The exception when you can start investing money at interest without having a financial cushion is if you have passive income.
Passive income- the flow of money coming to you, which does not depend on your daily efforts, such as renting out real estate, stock dividends or profits from an existing business.
Principle 2. Diversify investments
For your money to work correctly, think about where to invest it in order to comply with the principle of diversification, that is, the division of funds into different investment instruments.
If you have become interested in the topic of investing, then surely this concept is familiar to you. In other words, this means " don't put all your eggs in one basket". If you have a basket of eggs and it falls, then all the eggs in it will break and you will be left with nothing.
This will happen with your savings (savings), if you invest them all in one business (project) or investment instrument.
By the way, diversification involves not only investing in different financial instruments, but also in different sectors of the economy.
For example, if you invest in the stock market, then try to form your investment portfolio* so that your money works in companies of different sectors.
Investment portfolio- the totality of all assets of the investor. For example, if you have a bank deposit, stocks, real estate, a business - all these tools for making a profit in terms of investments will be called your investment portfolio.
To make your investment portfolio as resilient as possible to market changes, invest 20% of free funds in the banking sector, 20% in the oil and gas sector, 20% in the manufacturing sector, and 20% in the agricultural or food sector.
So, if one company (sphere) starts to suffer losses, then the rest will “pull” your funds up and will not let the portfolio sink.
Principle 3: Manage risks
Risks- this is the main "problem" that absolutely all investors face.
Remember, before you invest money somewhere, think about how much you can lose and only then - how much can you earn.
Unfortunately, beginners make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are already rubbing their hands in anticipation of millions.
How are things in practice?
But in practice - everything is different! Having overestimated their strengths and experience, many people immediately try to engage in aggressive investment and lose money instead of investing in more conservative instruments. So it turns out in the end that the greed of the fraer ruined ...
Investments are the same science as any other professional business, which means that you need to evolve in this direction gradually, going from simple to complex.
Start with 100 or with 1000 dollars, and God forbid you invest large amounts at once, especially in what you do not understand!
The height of illiteracy here is to borrow money at interest and try to quickly "crank" them in some "super profitable" way.
In 99% out of 100, this ends with the loss of the entire amount and the credit burden that hangs over you like a sword of Damocles.
Do not rush, because if you become an investment specialist, then your future millions will not run away from you anywhere. On the contrary, if you rush and try to get rich instantly, then there is a great chance that you will never earn big money.
Principle 4. Attract co-investors
As you gain experience as an investor, you can invest together to form investment pools. So you can get more opportunities - where to invest money so that they work with maximum return.
For example, you have found a project or tool that you think is attractive for investment, you have available funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on a parity basis with you.
AT last years fairly common topic pamm accounts. In this case, investors transfer to trust management* own cash professional financial asset manager.
Trust asset management- a type of financial and business relationship where one person or company transfers its money (property) to another person - a trustee.
At the same time, the manager cannot dispose of these funds or property on the basis of ownership, but only has the right to use it to extract profit, a percentage of which he receives as a reward for successful management.
So several investors can create such pamm account pooled together and transfer this amount to trust management, while all risks of losses are assumed by investors in proportion to the invested funds.
With the manager of such an account (trader), investors can agree that he should stop working on the account when he receives losses in a certain percentage of the account value.
If we summarize this investment scheme, we see that investors are ready to donate, for example, 15% of their money to potentially receive 30% income.
Principle 5. Create passive income
Increasing your capital is very good, but no less important point what remains here is the creation of passive income from your investment activities.
Why is it so important?
If you understand the course of my thoughts, then you are guaranteed to take a fresh look at investing your funds.
illustrative example
You invested 100,000 rubles and received 130,000 rubles in a year, that is, you earned 30% on the invested funds.
However, next time you cannot be 100% sure that you will earn another 30% or more in a year. Considering that such profitability is much higher than the banking one, it means that the risks of this method are much greater.
You may even lose most or all of the amount if something goes wrong next time.
On the other hand, if for 100,000 rubles you could create passive income for yourself, for example, the same 2,500 rubles a month, which also amounts to 30,000 rubles a year, then in this case, you can easily borrow the same 100,000 rubles and invest them more conservatively, so your asset with a passive income of 2,500 rubles is a guarantee of the return of a new loan amount of 100,000 rubles.
In order to better understand how to create passive income and then create assets with it, I recommend playing the game " Cash flow » the famous investor, entrepreneur and business coach Robert Kiyosaki.
By the way, here is what Robert Kiyosaki says about the importance of passive income:
2. How much can I start investing
You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.
If you have no money at all, then just start saving at least for 10% from any of your income. So you will form the habit of creating a financial reserve for yourself and as your income grows, your savings will increase proportionally. Money will work for you while you rest.
Everyone is talking about saving money. famous people teaching success and proper handling of personal finances: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.
The fact is that many people, with an increase in income, begin to spend even more and even take loans, since they do not have enough money all the time. It is called "reached the good life".
Always control your balance between income and expenses, live within your means!
Franchising is one of the most reliable and profitable ways to invest.
Do you want a reliable investment option? Take advantage of the offer of our website partners: become co-owners of a chain of Japanese cuisine restaurants.
The project is handled by Alex Yanovsky, a businessman with 20 years of experience who has launched many successful startups from scratch. At the time of writing, the Sushi Master franchise has 125 restaurants in 80 cities and 8 countries around the world.
My friend Sergey, opened a Sushi Master point in Maikop in the format of an island, having invested 1.5 million rubles, and six months later he already paid off his investment. So the scheme works not only in theory, but also in practice.
In section 4, I will describe in detail how to competently open a business under this franchise by investing a quite moderate amount in promising direction Catering.
Here is what Alex has to say about the benefits of starting a franchise business:
3. Where to invest money to make it work - 5 profitable ways to invest
Now many people's eyes widen from various proposals - where to invest money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super-course, after which you will become a millionaire in a week.
But in most cases, all these "magic pills" are nothing more than good way steal your savings.
Now we will look at the classic ways that allow you to invest in understandable instruments with predictable returns and moderate risks.
Method 1.
This is the most popular way to save money, but its income is barely comparable to the inflation rate in the country. So if you invest money in a bank and keep it there from year to year, then at best you simply won’t lose it, there is no question of more or less tangible earnings.
Now Russia has adopted a law that guarantees payments on deposits in 1,400,000 rubles in case the bank fails. This applies to all banks that have an official license to carry out banking activities.
Previously, the sum insured was 700,000 rubles. That is, if you invested your money in a bank and for some reason it ceased to exist, then the state will compensate you for your money if the deposit amount does not exceed the insurance one.
Now in our country there are hundreds of banks with interest rates from 5% before 12% .
Historically, the most popular bank among our citizens is Sberbank, although here the percentage of deposits is one of the lowest, but a large branch network and high reliability the bank itself allows it to remain a leader in terms of deposits.
Pros and cons of investing in a bank account
Pros:
- high reliability (low risks);
- high liquidity (the ability to return money at any time);
- the minimum threshold for investment (you can start with 1000 rubles);
- simplicity and clarity of the investment instrument.
Minuses:
- low interest on deposits;
- loss of interest on early withdrawals.
Method 2. Stock market and mutual funds
Part financial market where people or companies can purchase stocks, bonds, futures and other securities.
If you have free funds and want to get more income than in a bank, but you take on relatively greater risks, then the stock market will be a good tool for you.
To start investing in securities, you just need to contact a bank or a specialized brokerage company which deals with the stock market.
Personally, I recommend two well-known brokerage companies for this: Aton Investment Company and Otkritie Brokerage House. You can safely invest your money in these companies so that they work and not be afraid to lose them.
Many cities have their offices.
By the way, speaking of the stock market, it is worth noting that there are different types investors by duration of investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities within a short period of time: from a few minutes to several weeks.
There are medium-term investors, they buy shares for several weeks or months. There are also long-term investors, they usually act on the “bought and forget” principle - they invest their money in securities for several years, assessing the potential of the company and the industry in which it operates.
The last type of investor is investment guru Warren Buffett. Once he was asked when to sell the purchased shares, and then Buffett replied that never! This is his concept of long-term investment.
You can manage your investments yourself or entrust this business to a professional manager (trader).
There are also special funds where you can invest money - mutual funds.
mutual fund- mutual investment fund. it financial institution, which independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.
Based on the results of a certain period of management, interest is accrued to you according to the size of your share.
But if you definitely receive more at the end of the year than you invested in the bank, then here your profitability may be negative, that is, the fund may work at a loss.
Pros and cons of investing in the stock market and mutual funds
Pros:
- a small initial amount for investment (from 1000 rubles or even less);
- interest at the end of the reporting period is usually higher than in a bank;
- a large selection of investment instruments (stocks, bonds, futures, options);
- opportunity to receive dividends;
- the opportunity to independently compile an investment portfolio, choosing a flexible ratio of risks and expected returns.
Minuses:
- relatively greater complexity of the investment process compared to a bank deposit;
- relatively large risks (you can get a loss);
- in certain cases, special knowledge is required (with independent investment portfolio management).
Method 3. Forex (currency market)
Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy some monetary units for others, such as dollars for euros.
Speculator traders make money on Forex, most of them make intraday trading operations.
After all, we want to know all the ways where to invest money so that they work and Forex will help us with this. After all, here you can quickly increase capital several times in a couple of months. In a popular article on our website, I have already talked about my experience of trading on the stock exchange and about how.
Indeed, in Forex you can earn a lot. However, this comes with huge risks and you can lose your investment capital in minutes.
Now a large number of companies offer Forex trading services. Such companies are called Forex brokers.
Be careful when choosing a forex broker. Since there are many companies now that do not bring your trades to real currency market and you just play on your computer in the trading program like in a casino (losing your money, of course).
Before you start doing this way of investing, read customer reviews, go to the company's office, make sure it is trustworthy and serious.
Pros and cons of investing in Forex
Pros:
- a small entry threshold (usually from $100);
- the ability to quickly and earn a lot;
- a large selection of investment instruments (currency pairs for trading).
Minuses:
- special technical skills and knowledge are required for investment;
- very high risks.
Method 4. Bitcoin (Cryptocurrencies)
Here you can make very good money, but also lose if you do not follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages: decentralization, anonymity, security, limitedness. This means that Bitcoin is not controlled by any state, and due to the limited issue and the growing demand for cryptocurrency, its price will only grow in the future. You can buy Bitcoin at a favorable rate in - this service is not only an exchanger, but also a crypto-wallet where you can safely store cryptocurrency.
Method 5. Real estate
One of the classic investment tools, when a person with money wonders where to invest his money.
You can buy both residential and commercial invisibility. Naturally, commercial real estate provides more income than residential, however, and requires more knowledge for its competent purchase.
Property other than buildings also includes land, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.
Real estate has a number of great advantages, but this way of investing is also not without its drawbacks.
Pros and cons of investing in real estate
Pros:
- the opportunity to rent out real estate and receive passive income;
- the opportunity to sell real estate and earn on the difference between the purchase and sale prices;
- a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
- due to the fact that real estate is a tangible (tangible) asset, it can be used for your own commercial or non-commercial needs, for example, you can open a business in the premises, you can live in residential real estate.
Minuses:
- high entry threshold (usually from several hundred thousand);
- low liquidity (cannot be quickly sold without a significant loss of market value);
- subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money if it is damaged or lost).
Method 6. Own business
If you have an entrepreneurial spirit and some commercial experience, then one of best solutions for you to invest in your own business.
Simple example:
Resale of Chinese goods with a large margin (300-800%).
You can buy goods in bulk in China or from a wholesale supplier in a major city and start selling them online. Often such a scheme is also called "Business with China" - a very profitable and promising direction in Runet.
The team of our site is personally acquainted with a successful entrepreneur in this field, Evgeny Guryev. Zhenya not only has been running her business for a long time and effectively, but also teaches others about it.
If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months - contact Evgeny and he will guide you by the hand on all issues of creating a successful business selling Chinese goods.
Be sure to check out the testimonial of the wife's students to be inspired by their success stories:
Yes, there are also certain risks here, but you can manage them flexibly, because in this case you yourself decide where to direct this or that money in order to get the maximum return from them.
It is especially effective to invest in your own business if it is already running, and your new investments will help the business bring even more profit.
Pros and cons of investing in your business
Pros:
- you manage your money yourself by building and optimizing business processes (being the owner of the business);
- for business projects, it is quite easy to find co-investors, which helps to attract larger amounts than if investments were made alone;
- it is easier to get a loan for a business than for other investment instruments.
Minuses:
- high risk of losing money;
- low liquidity of most assets (you cannot quickly sell equipment, goods, and the like without a significant loss in value);
- loss of a share in a business project (in case of attracting co-investors).
4. Sushi Master franchise business - investing money profitably
Owning a business from scratch is a rather risky undertaking. This requires a solid start-up capital, an original idea and a well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a known payback period and guaranteed profitability.
The network of Japanese cuisine restaurants has its representative offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business falls on the Russian market.
Franchising is one of the leading activities of the Sushi Master company. The promoted product of the company is a predictable business with a proven and effective structure.
The owners pass the finished model to their partners, the latter only have to comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.
Franchise payback period: 5-18 months depending on the region of location, chosen format and other objective factors.
The algorithm for opening a Sushi Master franchise branch is as follows:
- Apply on the official website of the company.
- You pay a lump-sum fee - at the time of this writing, this amount is 400,000 rubles.
- Take a course at the training center in Krasnodar.
- You get the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
- Together with the franchise owners, you choose a place for a restaurant, calculate the payback, and get the support of a start-up team.
- You open a restaurant.
- Together with the team, bring the project to a stable profit.
You will calculate the total initial investment together with the team in individually. Cost range: from 1.3 to 4.5 million rubles. The term for opening a restaurant is from 3 months.
The advantage of this model is that it is guaranteed to work. All possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a member of a successful business that has already paid off more than 100 times, brought and still brings profit to its owners.
The co-owner of the company, Alex Yanovsky, is the founder of his own School "Business behind Glass", a successful entrepreneur whom I know personally. In his honesty, as well as in the profitability of the franchise, I have not the slightest doubt.
The risks are minimal, and the support of the training center led by Alex Yanovsky is continuous and constant. At your disposal - the experience of successful businessmen, professional equipment, proven marketing technologies.
The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Public catering establishments in the street format or the "island" format are in demand and popular - we offer these options to our partners.
5. Where you should not invest money so as not to burn out
You should not invest in obviously losing enterprises - casinos, illegal and morally unacceptable projects.
These include criminal types of business: trafficking in drugs, weapons, contract goods, organizing brothels, shell companies that launder money, as well as fraudulent schemes in real estate (corruption during construction, eviction of lonely old people and re-registration of housing).
To live in peace, engage in honest and socially acceptable ways of making money, then you will gain not only financial freedom, but also spiritual harmony.
6. Conclusion
In this article, we reviewed the fundamental principles of investing, recommendations from the best investors and experts in the field of business and finance, and also got acquainted with the most popular ways to invest free money.
In the next part of the article “Where to invest money”, I will talk about less common and at first glance not obvious ways to increase your capital.
And if almost everyone knows about bank deposits, the stock market and real estate, for example, few people know how to create a good passive income for themselves by investing in their own Internet projects.
Dear friends, I hope that now you have figured out where to invest money so that it works and brings you profit. After all, it is you who can become rich and earn millions.
I wish you a successful investment!
Where is it more profitable to invest rubles in a crisis so as not to lose your savings - recommendations from experts + TOP-5 most profitable investment areas today
No one argues that there is no extra money. But it happens that free funds appear. It can be a pleasantly fallen inheritance, a large award, a well-functioning project. For some, this will be a reason to spend them with pleasure, while others will think about how to save this money, but rather increase it. Let's try to think about where to invest money in 2020 in order to earn. To correctly answer this question, let's get acquainted with the concept of "investment".
Investments are understood as material and intellectual means aimed at making a profit using various financial instruments or commercial activities. Investments can be:
In terms of time, investments can be:
An investment portfolio is a set of all types of investments in various instruments that make up an investor's assets. For example, investments in deposits, bonds, real estate, business.
The problem of choosing investments for individuals not that few offers. Everything is just the opposite, there are a lot of offers for investing money, even if we ignore not quite legal and fraudulent options when they offer to increase the amount by several times in a short period. But there are options that are under the control of the state, which guarantees compliance with laws and not using money in criminal schemes.
Such options can be conditionally divided into risky investments and investments with low risk. By the level of risk, you can immediately judge the profitability, they are directly dependent. If you want more profit, you have to take more risks. Consider some well-known and popular types of investments.
This is the only type of investment without risk. At the same time, it is deservedly considered a highly profitable type of investment. And most importantly, it is best to start any other investments with gaining knowledge on investment issues in general and deeper knowledge on selected types. This may not always be the case if you engage in self-education, but you can also choose educational trainings, courses, consultations.
A familiar, understandable, calm investment option. When all the work comes down to choosing a reliable bank with decent interest. It refers to investments with low risk, but the profit received will at most cover the level of official inflation. The average rate will be about 6% per annum. In addition, the deposit will have to be limited to 1.4 million rubles in order to receive money from the insurance fund in the event of the bank's liquidation.
Another seemingly reliable type of investment. The good thing is that the risk of a complete loss of property is very low, but it does not guarantee the impossibility of a partial loss of funds. Investments in real estate for profit can be the following:
The main disadvantage of this type of investment is high level initial investment. Additional difficulties are delivered by the unstable market, the difficulty of selling, and competition in leasing. Currently, the purchase of foreign real estate, apartments in resort regions for renting out during the tourist season is gaining popularity.
For example, currently in Bulgaria you can buy an inexpensive studio on the sea or in a ski resort for a very low price, starting from 10,000 euros. The cost of renting such a studio in the season starts from 20 euros per day.
Making a profit from buying bonds is another way to invest money with low risk. At their core, bonds are securities issued by companies that act as IOUs. Bond borrowers can be private companies or public companies.
In terms of reliability, such investments are inferior bank deposits only by the fact that they are not insured by the state. The profit generated can be on average 10%, but it is not guaranteed. Sometimes the bonds of some companies bring very high profits up to 100%, but such investments are highly risky. 
Investing in shares of large and small companies has been practiced in Western countries for many years, being the most popular type of investment. Shares are understood as securities that fix the owner's right to receive a share of profits and participate in management joint stock company in accordance with the existing block of shares.
There are two ways to profit from shares:
Investing in stocks carries a high risk, especially when trading the stock markets. For such operations, it is necessary to have the appropriate knowledge and experience, as well as resistance to stress loads. At the same time, investing in stocks can also bring high returns. 
The Forex currency market is a very risky investment. They earn on it by changing the exchange rate when buying and selling. Ideally, if the purchase price is lower than the sale price. But course changes can be so unpredictable and rapid that the lack of knowledge and experience leads to a quick loss of invested funds.
If possible, only the crypto-currency market can argue with Forex, where profits sometimes amount to several hundred or even thousands of percent. Accordingly, the risks here are higher than in other markets. The work with cryptocurrencies is becoming more complicated and the fact that the status of this financial instrument remains a controversial issue all over the world. Emerging scandals and bans have a very strong impact on the already unstable rate of cryptocurrencies, turning the market around and depreciating existing assets.
Options for investing in stocks, the foreign exchange market and cryptocurrencies are very risky. It is possible to work in such markets if you have the appropriate training, experience, and a stable nervous system. Therefore, before doing this on your own, you can transfer money to trust management. Different types such services are offered by special management companies.
Here you can choose one or more personal brokers, specify your investment portfolio by including certain types of stocks, currency pairs, precious metals, etc. The degree of risk and the level of acceptable losses are also stipulated. The minimum threshold for investing in such management companies is very low, starting at $10. This amount allows the investor himself, if desired, to try his hand at. The average profit from such investments can be in the range of 2-10% per month.
Equity investment funds specialize in professional work With stock markets. For people who are willing to take risks, but have no experience in stock trading, Mutual funds are a good alternative to brokers. Here you can buy small shares, but it is better to distribute the money invested into several shares, in which case the risk will noticeably decrease. The cost of shares is available to almost everyone, because it starts from 1000 rubles. Such a contribution will not bring a lot of money, but it will allow you to get not very expensive experience.
Such investment belongs to the category of trust management, since the investor does not influence the process and the choice of instruments for making a profit. Investments in mutual funds do not guarantee profit, but, on average, with low risk, they can bring up to 30% profit. The fact that the activities of such funds are under the control of the state gives reason not to be afraid of fraudulent schemes.
Individual investment accounts, created in 2015, have become an indicator of the state's interest in enhancing investment activity population. Opening such an account for a period of three years allows you to receive tax incentives at a rate of 13% for amounts up to 400,000 rubles. That is, simply opening such an account allows you to receive 52,000 rubles in three years due to savings on tax deductions.
You can open only one account for one person, only rubles are accepted for crediting. Otherwise, such an account is similar to other trust management options. Accounts are not insured, although some management companies can use part of the money to open a deposit, but the funds on such a deposit will not be insured.
Already in their name, these investment funds speak of risk. The English word "venture" is translated as "risk venture". The activity of such funds is based on financing innovative projects. Moreover, it starts at an early stage, then projects are developed for several years. The performance is not very high, usually 20-30% of developed projects are successful. But even these percentages are enough to pay off all costs and get high profits.
In Russia at present venture investment is still in the development stage. To enter such projects, quite high amounts are required: from 100,000 in rubles, from 500,000 in dollars. Potential profit starts from 40% and can exceed 1000%. But, of course, the loss of invested funds is not excluded.
A great way to invest money, sometimes very little to increase it, open your own business or become a business partner. There are many possibilities for this. There is still a demand for people who can do something better than others. Opening workshops for repairing equipment, tailoring, selling handmade goods, with the right approach, can be the beginning of a successful business. Nobody argues that starting a business will require more time and effort than opening a deposit, but the return will be more significant.
Great opportunities in our time to open a business and attract investment in it gives the Internet, where the number of potential customers and buyers is not limited. You can open online stores, advertise services, engage in wholesale trade. Franchising is a good option for starting a business. When you can buy the right to organize an already operating business, while all the stages of its creation and the requirements for the quality of products or services are stipulated. In this case, the risks are reduced, and the opportunity to receive the necessary assistance allows short term come out on a profit.
If we talk about an example with a specific amount, then we get the following options where you can invest money in 2020:
The choice of management companies is one of the main components of successful investments. To select, it is most convenient to navigate by the rating of operating companies. They can be compiled according to different indicators. To determine the reliability of the company should be based on the size of its assets. The yield rating of the proposed financial instruments gives a reason to decide how profitable such investments are.
Currently the leader in terms of assets Management Company Sberbank, whose assets account for 30% of the entire market. The top three includes Alfa Capital and VTB Capital. If you look at the ratings on the yield of mutual funds, then the leader for the last month is URALSIB with a mutual fund yield of 3.66%.
Investment companies are evaluated according to their international rating and the financial instruments. For example, the company "FINAM" has a high rating and offers its clients a wide range of investment options, including those with guaranteed returns, mutual funds, IIA. And another leader among investment companies QBF LLC can open bond portfolios, weighted average portfolios, structured products with maximum protection.
That is, if you wish, you can find one or more companies where you will select the most suitable conditions for investing money. Almost all leading organizations have their own websites and offer the opportunity to invest on the Internet. 
No one is insured against the risk of losing part or all of the money invested in most investment methods. You have to be ready for this. Therefore, the most important thing for an investor should be that the money invested is exactly free. They can be used in a variety of ways without lowering the investor's standard of living.
When deciding where it is profitable to invest money, it is better to follow certain rules:
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