To understand whether it is worth investing in a particular source of income, it is necessary first of all to determine the criteria by which it will be determined whether this idea is worth it or not.
If we limit ourselves to three simple criteria, then we would like to highlight the following:
Profitability is undoubtedly one of the determining factors when choosing where to invest money in order to earn. It is measured most often as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just save it, then, at a minimum, the rate of return must be higher than the annual inflation rate. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5%, which is lower than the average annual inflation rate, which for the last three years until 2017 is 9.9%. Therefore, to invest under high percent and make money on it, you need to use other opportunities, which we will consider later.
The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the probability of occurrence of events in which the investor may lose profits or even his investments. If, when considering ready-made investment proposals, the amount of return is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to delve into yourself, and what the project actually earns on, how long this process has been established and whether a situation can arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts who understand and understand this. You also need to understand that most often, the higher the yield, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a low percentage, and as you gain experience, switch to more profitable offers at a high percentage.
If in pure investing, when you invested money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in your own business, an additional factor appears, like labor intensity - this is the amount of time spent working, multiplied by the experience and expertise of the performers. In other words, how much time you or your team will spend developing the business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but at the same time, the necessary labor intensity of the process greatly increases, especially if you yourself participate in business processes. At the same time, risks have an inverse relationship with the experience and expertise of the team, that is, the more experience and knowledge, the less risks.
When there is an understanding of what factors are determining when choosing where to invest money so that they work, you can already consider and evaluate specific investments, which we will now do.
All options will be connected in one way or another with secured loans.
We believe that such investments, for objective reasons, are the least risky, but at the same time they have a high return.
At the same time, everyone will be able to find an acceptable type for themselves, based on possible labor costs and the availability of expertise.
To begin with, we will tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans issued by financial companies (IFIs, CPCs, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Interest rates on such loans are much higher than those of bank loans, and range from 40% to 100% per annum on average. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, and go through long and thorough bank checks they don't have the opportunity. The second category of borrowers are people with a damaged credit history, for whom the road to banks is closed. Or people who do not have the opportunity to confirm their unofficial income.
All loans are issued either secured by real estate or secured by cars. At the same time, the maximum loan amount most often does not exceed 50% of the market value of the collateral object, and the loan term is usually not more than one year. If the borrower cannot repay the loan, then the collateral is sold at market value, which allows covering both the principal amount and the amount of accrued interest. If there is a difference, it is transferred to the borrower.
It is the presence of collateral that provides a minimum level of risk for the investor, financial companies and this activity in general.
In 2019, according to experts, activities with secured loans became especially popular and in demand among borrowers, while worthy players appeared on the non-bank lending market, allowing ordinary individuals to invest in this area without any labor costs and not only not to lose, but also make good money on it, having received your interest with a guarantee secured by the presence of collateral.
Now that we have figured out how it works and why the risks are minimal, let's move on to considering specific types of investments, their profitability and labor intensity. There are three options in total:
Let's dwell a little more on each of the options, and you can learn more about each by clicking on the appropriate link, where you can also leave an application for participation in the corresponding program.
This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: you invested money and received income at the end of the term or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Savings companies:
This type is for those who want to immerse themselves more in investing in secured loans and get a higher return on investment than in conventional deposits. Here, the investor himself directly issues secured loans on his own behalf, but all other business processes, such as searching for borrowers, underwriting (risk assessment and verification of the borrower), collateral assessment, drafting contracts, accepting payments and others, are carried out by qualified specialists. The labor costs of the investor are the consideration and selection of investment proposals and the presence at the conclusion of the contract. Yield 24% per annum. Suitable if there is an investment of 300,000 rubles, it is optimal to invest 500,000 rubles or more.
The most profitable, but also the most time-consuming type of investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for the search for borrowers, must be carried out independently. Yield up to 100% per annum. A good option is where to invest 1,000,000 rubles and in a year and a half to earn a million rubles from above.
To understand whether it is worth investing in a particular source of income, it is necessary first of all to determine the criteria by which it will be determined whether this idea is worth it or not.
If we limit ourselves to three simple criteria, then we would like to highlight the following:
Profitability is undoubtedly one of the determining factors when choosing where to invest money in order to earn. It is measured most often as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just save it, then, at a minimum, the rate of return must be higher than the annual inflation rate. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5%, which is lower than the average annual inflation rate, which for the last three years until 2017 is 9.9%. Therefore, in order to invest money at a high interest rate and earn on it, it is necessary to use other opportunities, which we will consider below.
The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the probability of occurrence of events in which the investor may lose profits or even his investments. If, when considering ready-made investment proposals, the amount of return is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to delve into yourself, and what the project actually earns on, how long this process has been established and whether a situation can arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts who understand and understand this. You also need to understand that most often, the higher the yield, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a low percentage, and as you gain experience, switch to more profitable offers at a high percentage.
If in pure investing, when you invested money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in your own business, an additional factor appears, like labor intensity - this is the amount of time spent working, multiplied by the experience and expertise of the performers. In other words, how much time you or your team will spend developing the business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but at the same time, the necessary labor intensity of the process greatly increases, especially if you yourself participate in business processes. At the same time, risks have an inverse relationship with the experience and expertise of the team, that is, the more experience and knowledge, the less risks.
When there is an understanding of what factors are determining when choosing where to invest money so that they work, you can already consider and evaluate specific investments, which we will now do.
All options will be connected in one way or another with secured loans.
We believe that such investments, for objective reasons, are the least risky, but at the same time they have a high return.
At the same time, everyone will be able to find an acceptable type for themselves, based on possible labor costs and the availability of expertise.
To begin with, we will tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans issued by financial companies (IFIs, CPCs, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Interest rates on such loans are much higher than those of bank loans, and range from 40% to 100% per annum on average. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, and they do not have the opportunity to undergo long and thorough bank checks. The second category of borrowers are people with a damaged credit history, for whom the road to banks is closed. Or people who do not have the opportunity to confirm their unofficial income.
All loans are issued either secured by real estate or secured by cars. At the same time, the maximum loan amount most often does not exceed 50% of the market value of the collateral object, and the loan term is usually not more than one year. If the borrower cannot repay the loan, then the collateral is sold at market value, which allows covering both the principal amount and the amount of accrued interest. If there is a difference, it is transferred to the borrower.
It is the presence of collateral that ensures the minimum level of risk for the investor, financial companies and this activity in general.
In 2019, according to experts, activities with secured loans became especially popular and in demand among borrowers, while worthy players appeared on the non-bank lending market, allowing ordinary individuals to invest in this area without any labor costs and not only not to lose, but also make good money on it, having received your interest with a guarantee secured by the presence of collateral.
Now that we have figured out how it works and why the risks are minimal, let's move on to considering specific types of investments, their profitability and labor intensity. There are three options in total:
Let's dwell a little more on each of the options, and you can learn more about each by clicking on the appropriate link, where you can also leave an application for participation in the corresponding program.
This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: you invested money and received income at the end of the term or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Savings companies:
This type is for those who want to immerse themselves more in investing in secured loans and get a higher return on investment than in conventional deposits. Here, the investor himself directly issues secured loans on his own behalf, but all other business processes, such as searching for borrowers, underwriting (risk assessment and verification of the borrower), collateral assessment, drafting contracts, accepting payments and others, are carried out by qualified specialists. The labor costs of the investor are the consideration and selection of investment proposals and the presence at the conclusion of the contract. Yield 24% per annum. Suitable if there is an investment of 300,000 rubles, it is optimal to invest 500,000 rubles or more.
The most profitable, but also the most time-consuming type of investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for the search for borrowers, must be carried out independently. Yield up to 100% per annum. A good option is where to invest 1,000,000 rubles and in a year and a half to earn a million rubles from above.
Hello! Today we'll talk about where to invest money. There is a certain solid amount, and you want to increase it with minimal risks? Where to invest money with maximum benefit? What principles guide experienced investors. You can find out more about all this below. Do not neglect this information, because best contribution It is an investment in the form of knowledge.
There are many ways to invest. Among them are not entirely legal methods and projects that are aimed at extracting money from illiterate and gullible investors. How not to get lost in all the variety of offers and not run into a scam.
Let's talk about where is the best place to invest money. Consider traditional investment methods already tested by time and experienced investors. At the same time, the risks are moderate, and the profitability is quite predictable.
Invest money at interest in a bank- the most common way, but due to the high level of inflation in the country, it cannot be called super profitable. At best, you can count on keeping your funds at the same level as at the time of the deposit.
The Russian Federation recently adopted a law that guarantees the depositor the payment of 1 million rubles (instead of 700 thousand previously established) in the event of a bank failure. Provided that the bankrupt financial institution has a banking license.
Sberbank is one of the most popular banks in Russia, but it cannot boast of high interest rates on deposits. If you are interested in the question of where to invest money so as not to lose, this option is for you. Here the level of risks is the smallest. After all, this is one of the most reliable and time-tested banks. In addition, there is an opportunity to invest a small amount of money, with almost a full return guarantee.
What are the benefits of investing in a bank?
The cons are obvious:
Bank deposits are divided into several categories depending on the term:
Stock market- the second most popular way of investing. It is based on the acquisition valuable papers(bonds, stocks and futures).
Lets get much more income than from bank deposits. However, relatively significant risks must also be taken into account.
To invest in this area, it is useful to contact special brokerage companies or banks that deal with the stock market and operations on it. To date, the most famous brokerage companies are Aton and Otkritie. These are reliable systems with minimal risks to invest money in Russia.
You can invest for a short time, and then such investors are often called speculators. They are engaged in the sale and purchase of securities in a matter of minutes, a maximum of a week.
Medium-term investors hold stocks from a few weeks to months.
If the shares are bought for several years, then this is a long-term investment.
You can manage funds on your own, or you can contact traders or specialized funds. The latter includes mutual funds - share investment fund. This organization itself forms an investment portfolio consisting of shares, deposits, bonds and other things. Independently sells these shares, in a different way, shares.
Certain periods are set, after which the investor receives interest in accordance with the size of the contributed share. But the fund can also bring losses if the income is less than the amount of investments.
The main advantages of investing in funds:
Disadvantages of stock markets:
Shares are securities confirming the right to participate in the authorized capital of the company. They bring their owners a part of the profits of the company. This is a chance to invest today in order to get a possible profit in the future. Big returns are a characteristic feature of such investments, but the risk remains that the company may go bankrupt.
In this case, it is important to learn how to make a forecast and cash out money on time. As soon as the company starts to lose its positions.
I myself used to learn to trade on the stock exchange and got a little hooked on Forex. Believe me, without the knowledge and skills of trading there is nothing to do there. Before my eyes, 90% of people were losing money, 7% were working for nothing and 3% were making money. True, there are examples of those who earn not decently much on this, but these are few. If you are interested in this activity, then try it!
The world's global currency exchange market - Forex. The whole principle is to exchange almost any monetary unit. Most of the transactions take place in one day, and investors-speculators earn on them, respectively.
Forex is designed to make money in the shortest possible time. But the risks involved are huge. In the same few days, you can lose all your capital.
Currently, there are special companies - Forex brokers. They offer Forex services.
Here you need to be as careful as possible, because fraudulent companies have appeared. They create special programs that simulate trading on the world market. As a result, the depositor plays some fictitious game on his computer and, of course, loses all his funds.
Before turning to Forex brokers, you need to read reviews about the company, visit the office, and make sure in any other ways of reliability.
Advantages of the Forex market:
The disadvantages are very high risks of losing money for short term. Investing requires considerable knowledge and skills, which are acquired with great difficulty over many years of hard work. According to statistics, only 2-3% of traders trade in plus. Encouraged by beautiful stories, newcomers always believe that they will definitely fall into this cherished 2-3%. Don't be fooled, they'll get it all out in no time. Only by devoting a lot of time and effort to this business, having learned to control risks and mastering your emotions, you may have a chance to start earning.
Successful traders offer Forex deposit services. Convenient, because you do not need to learn the rules of investing and learn all the intricacies of successful deposits.
You can easily get from 4 to 7% of profit per month. The whole point is to transfer finance to the manager. He, in turn, makes the money work, and the profit is usually divided in half 50 to 50. If you invest a lot of money, the investor can get Better conditions. For example, 70 to 30 of the profit in favor of the investor.
It is also always possible to invest money at the expected high interest rate if the manager uses aggressive trading strategies. People invest money, often in such managers. But do not forget that your risks of losing funds are also greatly increased. By the way, in Pamm accounts there is an opportunity to invest money on the Internet, it is not necessary to go somewhere.
All money is kept in collection agency, so there is no risk that the manager appropriates all the funds and disappears. He is a person interested in making a profit. His income depends entirely on how he manages to work in the stock market.
A natural question arises, where to invest money so that they work, and where to find an intelligent manager.
There aren't many options.
An easy way to invest if you have enough funds to buy residential space or commercial property. The latter will provide more income, but it will also require certain knowledge and literacy.
Real estate is not only buildings, but also land, quarries, lakes, boats, airplanes.
It's not always a tool to make money, but good tool not to lose! Real estate is always valuable. Moreover, the price is always going up. Secondly, you can not only buy it and wait for growth, but also actively use it to make money. Can be rented out or used for your own business. In any case, real estate is an excellent investment and not only in 2017-2018.
Moreover, you can buy both residential and commercial, although now I would focus more on commercial real estate. It is also profitable to buy private houses in poor condition in order to build new real estate in this area. In our city, this direction is actively developing and we also partially participate in this;)
Positive sides:
Negative sides:
You can invest in real estate in Russia. According to statistics, small-sized apartments, but located in a prestigious area, are in great demand. The cost is not so high, and repairs will be inexpensive, you do not need to purchase a lot of furniture. If you rent out such apartments, you can get up to 20% per annum. Payback occurs in 5-10 years.
There is a minus - it is difficult to find permanent tenants. The property owner has to periodically find tenants. If the apartment has a large area and rooms are not rented separately, then such housing will bring up to 7% per annum, minimum term payback will be 10 years.
When buying and selling real estate, you need to be especially vigilant. Pay attention to the documents on the property and the contract. It is better to contact well-known real estate offices with a good reputation and a notary.
Such investments will bring high returns, up to 50% of net profit. Lending in private order today is developing at a rapid pace. But the risk in this case is huge - borrowed funds simply may not be returned. No competent and clear contract and careful selection of applicants gives a big guarantee for a refund with interest. It is most reasonable to engage in microcredit. When sums of money that do not differ in large sizes are issued for short periods.
There is a similar opportunity on the WebMoney website. Loan amounts and terms are small, interest rates are high. If you learn to distinguish a solvent person from a bankrupt or a swindler, then you can make good money. However, online lending is even more risky than conventional lending. Sometimes even the passport of the borrower is unknown.
Another convenient platform for borrowing is the BezBank platform. Conditions for investors are attractive. You just need to register and fill out an application for readiness to provide a loan. People who need money find offers, and the lender dictates his own rules - the size interest rate and terms of the deal.
The verification of a candidate for a loan is based on two indicators: the rating of activity on the site and the level of trust in the face of other creditors. Situations that are out of control are regulated by the collectors office. It is tied to this project.
Here you can also invest money to make a profit. Even if you invest a little money, there is still an opportunity to earn 50% simply and quickly. For example, if you lend 10,000 rubles, 15,000 are returned in seven days.
For a person with an entrepreneurial streak, there is no better way to invest. Risks, of course, remain, as with any investment. But they can be easily learned to manage. The businessman himself decides where to direct the funds so that they work and make a profit.
I consider investments in myself to be more optimal, maybe because I am not an investor. In my business, I am responsible for my investments, in fact, I invest in myself, and this is a big plus. Of course, there are also disadvantages - you have to work! But I have always invested and will invest in myself and my projects!
Almost any business needs start-up capital, if you don’t know where to get it, we advise you to read the following articles:
Effectively invest in a ready-made business that generates income. Additional investment in this case will only increase the already existing profit.
It is much easier to attract co-investors to business projects. Business is easy. These are all positives. But there are also negative ones:
This is the oldest way of investing. It so happened that banknotes tied to gold. In the second half of the 20th century, gold ceased to be the guarantor of the currency. But until now, precious metals are able to preserve and increase capital.
There are three common ways to invest money to earn on precious metals:
With the latter method, everything is clear: you need to come to the bank and buy bars there. The remaining 2 options require detailed explanations.
An unallocated metal account is an account that shows how many grams of the metal the customer purchased, but without specifying the sample, serial number and manufacturer.
Futures represent a contract for the supply of metal in a specific quantity. You can buy them on the exchanges. Thus, having bought the contract, the investor becomes the owner of the lot of metal.
This type of investment promises high stability. This is a good way to invest money now to save it and beat inflation.
This option is more for those who know a lot about it! And who knows, he will understand. There are always people who are looking for rare things and buy. And this pleasure is worth a lot.
Example. Once my friend bought a GAZ 21 Volga car in good condition. In our city a couple of years ago you could buy a thousand for 50 rubles. He repainted it, installed a BMW engine (not a new one, of course) and an automatic transmission, shamanized the interior, and generally put it in order. He did it for himself, but the other day he was offered 800,000 rubles for it. He googled it and refused because it was also cheap! According to my rough calculations, investments are 300-400 thousand rubles, and the output is 800 tr. If you do this thoroughly, you can earn good money.
This is just a real life example. There may be many options.
To implement this method, a lot of available funds. But rare collectibles, paintings are becoming more expensive every year. An antique is considered to be a thing older than 50 years. Not every item can become valuable over the years. It can only be antiques that have artistic and historical value. You can only make a profit from antiques, which are recognized by leading connoisseurs of art and scientists.
You can buy and sell antiques, art and collections at auctions and exhibitions. There are also specialized stores.
There is one significant disadvantage in this type of investment - fakes and scammers. You definitely need an expert with special equipment to distinguish the original from the fake. Before investing in a particular piece of art, it is imperative to make an examination.
A patent can be obtained for a specific technology or invention. This is done so that other persons cannot use intellectual property without the permission of the author, inventor.
Then, if this invention or technology is introduced by someone into production in order to make a profit, you will receive your percentage in the form of passive income.
This method is beneficial for people who know who may need this or that technology in the future, and to whom it can be offered for use. The same goes for trademarks and brands. All this is called - intangible assets, that is, assets that cannot be touched.
Can earn income passive or make a profit on the resale of a trademark.
There are also risks, you may not find tenants and those who want to use this or that technology, patent, trademark.
One of the most profitable ways where to invest money. At the same time, it is not necessary to look for Internet projects and invest money in them, giving funds to unknown people. Money can be invested on an investment platform with a license. The whole process is legal.
For example, the Share In Stock exchange, where online business owners present their projects. Investors can invest in these offers and receive income in the form of monthly payments.
The advantages of this type of investment:
Negative sides:
- a project of a commercial orientation, implies a small investment that will pay off in a short time.
Investing in innovative startups is a profitable solution. You can find ideas on a special exchange, where you can also publish your startup. Napartner is the first exchange that brought together thousands of people from all CIS countries. There are many successful people, entrepreneurs, managers, directors and heads of successful companies among the participants. Goals of this project:
Why is investing in Internet projects so attractive for investors of any category? Because a person who decides to engage in this type of investment is not required to:
Investing in the Internet is subject to everyone, regardless of gender, age and social status.
Speaking about where you can invest money, do not forget about information sites that are gaining momentum. Good, high-quality sites with an active audience in large quantities are expensive, but they also bring their owners good money from advertising. Here is an example of a site that is sold on the exchange:
As we can see, it brings 31,800 rubles a month, it is sold for 1,281,250 rubles, but its optimal price is 1,050,000 rubles. Payback in 2 years maximum. This despite the fact that it was not even actively monetized. I know the seller of the site. Having bought such 3-5 sites, you can continue to develop them and get good money. In a year or two, the site will pay for itself and will bring net profit and keep growing in value.
I invest in the purchase and development of sites. True, I’m not buying for millions yet, but there were lots for tens and hundreds of thousands.
You can independently engage in PR for the group, or you can invest in special programs or hire a professional in this matter. After a sufficient number of people in the public, you can start placing ads. A day of advertising in groups with a large number of subscribers costs about 2-3 thousand rubles. It is not difficult to calculate the return on such an investment.
You can profit from applications that provide services and assistance. It will also bring income contribution to applications where useful information on one topic will be collected. Do not lose sight of the products that sell any product or service.
This product combines two areas: the accumulation of money and insurance in case of illness, death, accident, survival.
The term of such a contract is usually 10-35 years. This method is good for achieving a goal that costs a lot of money. For example, buying real estate, education and more. It can also be used as a pension payment. By the end of the contract, you can receive the accumulated amount and investment income. But most likely, this income will not increase the funds, but only compensate for the level of inflation.
It is necessary to carefully study the offers from insurance companies and weigh the pros and cons.
Disadvantages of investing in HOA:
Benefits of investing in HOA:
The method is well suited for diversifying an investment portfolio with good funds.
This type of investment assumes profit without loss. Risks are reduced to a minimum value. The benefit is 100%, and everyone can invest in training.
To do this, it is enough to sign up for all possible courses, trainings, seminars to gain knowledge and study foreign languages. It is important to apply all the acquired knowledge for successful professional activity.
It would be nice to choose teachers who are themselves excellent role models, and who are happy to share not only theory, but also their own experience.
Only these people will provide relevant knowledge, and not standard and sometimes outdated schemes. Without competent investment in yourself, other types of investments lose their meaning.
Contribution to health and beauty
Psychology says: beautiful people are much more successful than not beautiful. This is easily explained, because everyone wants to communicate and start any relationship with people with good looks. It is only then that everyone looks into the soul and evaluates mental abilities.
To maintain external and internal beauty, you need to pay great attention to health.
You should not save on food, quality medicines and clothes. If possible, avoid activities that are bad for health and put life and quality of life at risk.
To invest in beauty and health, it is enough to buy subscriptions to a gym, swimming pool, beauty salon, sauna, massages.
This is one of the most useful investments, it can bring profit many times over and for the rest of your life. There are no downsides to this investment method.
Investment in your own name and reputation
In finance and business, people often refer to specific individuals and evaluate them: this person is reliable, and this one has a so-so reputation.
Reputation is the most important asset. After all, people who have a good assessment of others are more likely to be trusted with large sums of money and transferred to serious business projects.
Business people dream of becoming famous. After all, where there is fame, there is money. The name will work for the entrepreneur.
To get a good reputation in a separate company, it is enough to show punctuality, initiative, honesty and attentiveness to others.
So, gradually, such a person will be asked for advice, offered funds for knowledge and invited to speak at events. These are the first signs of the work of a name on a person. If you do not stop, then after a while you can receive money only for one mention of the name.
The only disadvantage of this investment is that if handled poorly, you can instantly lose a good reputation that has been developed over the years.
Investment in your development
These are pyramid schemes and they promise investors quick earnings in a short time. Many will say that this is a scam. However, everything is quite legal and if you pick up the deposit on time, you can stay in the black. The more interest a HYIP project offers, the less time it exists, and the higher the risks.
This is an unusual way of investing. Cryptocurrency was invented in the West as an alternative to the usual currency, which was later issued by the state. In Russia, such a currency is considered illegal, therefore, investing in this area is illegal.
They receive such virtual money in the following ways:
The exchange of cryptocurrencies (one for another) can be made on special exchanges.
To date, there is no demand for bitcoins, and everyone is selling them cheaply. However, it may also happen that virtual money will come back into fashion. But the risk is very high, so it is reasonable to invest 1-2% of the entire investment portfolio in bitcoins.
Another, one might say, illegal way of investing. In Russia, a position is one of the fastest ways to make a profit in a short time. People buy warm places to enrich themselves illegally.
It is better not to consider such contributions, because it is illegal. But they exist, so let's talk about them in more detail.
What is the purpose of such an investment? There are people who sell positions in government and commercial institutions, and there are people who buy these places and try to recoup their money as quickly as possible. And for this they take bribes, offer services within their competence for a fee, or cut the budget intended for some state project.
Payback comes in the very first days of entering a new position. Negative points for a fraudster are the risk of criminal prosecution, moral anxiety and mental anguish.
Online casino advertising on the Internet is enough. You are promised mountains of gold and easy money. There is such a scheme: place a bet, lose, and then the bet will increase, again bet on the same color. Always bet on the same color until a certain martingale law works. As soon as the casino gives a win, you need to change the color and act again according to the scheme described above.
The main rule of any online casino is to play no more than 2-10 minutes a day. If you play longer, you can merge everything. It is not as easy as it seems, it is sometimes impossible to stop, because the mind overshadows the excitement.
Again, I repeat that I only speak my personal opinion and do not impose it on anyone, otherwise people will appear who will say that I limit your income)) Well, that's it!
I do NOT recommend investing in binary options, HYIPs, pyramid schemes, sports betting, online casinos and other gambling enticements.
Now I'll tell you why I think so. After all, there are people who make good money on this. All these earnings do not depend on you! And I don’t like it when I am only an outside observer, and if my money goes down the drain somewhere, then I can’t do anything about it.
Secondly, I am a webmaster and I know that many who promote these types of earnings earn on YOU. They simply refer you through an affiliate program and earn both for referral and a percentage of the money you spend. Trust me, commissions in such niches are good and affiliate earnings are quite high!
Here is an example in the screenshot, where Alpari affiliate program pays 61 rubles for registration, and 1600 rubles for an active user. Those. as soon as you register on someone's recommendation, replenish your account in the system and start investing, your partner will be paid 1600 rubles for you. But whether you earn or lose there, no one cares.
This is just one example, but there are a lot of them in HYIPs, pyramids, bets, casinos, etc. Some webmasters deliberately invent stories for themselves, how they make good money on it, so that you register using their links. Well, okay, I have nothing against webmasters, but I would not invest in the above.
As for sports betting, here's what I want to say. Although I have a friend who makes good money on this, I still don’t recommend this investment tool, because it drains the same amount later. Although he is a good businessman, everything is in order with his head, but the excitement is addictive. Plus, in this case, the main thing is to find high-quality forecasts, and not forecasts of scammers.
How to make your own savings work, make a profit? And to keep the risks to a minimum. Let's look at the main mistakes of a novice investor.
The investor receives profitable proposition, quickly agrees and makes a profit. Gets excited, further, thoughtlessly accepts such proposals. As a result, it remains not only without profit, but also without initial capital. Do not quickly agree to the proposals of even the most reliable person. Emotions are out of place here, only cold calculation and strategy.
The first profit is a great joy for a new investor. But it is worth acting wisely and making plans for future investments. It is important to learn how to make a portfolio according to all the rules, and use it to create more and more income from assets.
Often having a large amount of money, the future investor is afraid to start and listens to the advice of friends or information on the Internet. Undoubtedly, it is necessary to use all available information. But it is much more important to draw up an opinion based on all the data and build a plan on your own.
Someone prefers not to invest money, but at least save it so that it simply does not depreciate. You can invest in foreign currency. Due to the current unstable situation in the country and currency fluctuations back and forth, I keep money in different currencies. Thus, I compensate for the fall of one with the growth of the other. In the end, I always save my money.
I try to keep money in the following percentage: 35% in dollars, 35% in euros, 30% in rubles.
I'm talking about free money that is waiting in the wings to go into circulation.
You can simply invest money in a bank at interest. I use two banks:
Now you know where to invest money, and where it is better not to invest. Happy investment!
Economists' forecasts for 2017 (the 18th, most likely, too) are becoming less and less comforting. The catastrophic collapse of the ruble, irrational jumps lending rates in banks, the tense atmosphere in the stock market - all this sad news leads to serious reflections of every Russian.
Everyone thinks about the same thing: how to avoid annoying financial losses, what and where to invest your money in order to earn, save, or at least not lose, in order to receive monthly income and so that the wave of financial cataclysm does not completely absorb the money, and also what purchases should be refrained from today, etc.?
But first you need to recharge optimism . Just think about the fact that, unlike millions of other people, you have free capital today. So, you did everything right before and you have a chance to get out of this situation. The main thing– choose the most justified investment instruments.
What if you want to invest money and earn money, but you don’t have money. For this, we wrote an article - in the same place we described what to do if banks and microloans refuse to give you money.
About ways to invest money in order to save and increase, read below. There you will also find expert advice on where to invest during and after the crisis.
Each of the following ways of investing is characterized by a greater or lesser share of risks. And at the same time, under favorable conditions, each of them is able to provide liquidity and profitability to your capital.
Let's take a closer look at financial instruments and their capabilities, what you can invest money in today in order to consistently receive monthly income.
This method is hardly more profitable than saving money at home "under the pillow." It is hardly worth considering it for a serious investor. It is reasonable to use a bank deposit only as a "transit" point on the way of capital movement into more solid financial instruments.
Investing money in a bank deposit is not the best The best way increase in capital, it can rather be attributed to a way to save your money.
Any economist will express doubts about the reliability of " airbags » bank deposit. After all, in the case of an urgent withdrawal of money, you can lose all the accrued interest. It is generally difficult for banks to part with dollar deposits.
If you want to temporarily entrust money to a financial and credit organization, then the best solution would be to distribute 1,400,000 rubles to various banks. Such a volume of deposits will allow you to reliably insure your capital in the event of the ruin of any of your chosen financial institutions.
Where to invest money to make it work - 7 ways of investing that I have experienced on people
When deciding which bank to invest in and where to open a deposit account, get to know TOP 10 leading banks in the country, pay attention to their reliability rating. It is good if the co-owner of the financial institution is the state. It is unlikely that it is interested in terminating the activities of its own banks. Among them belong, for example, such "bison" of the Russian financial market as Rosselkhozbank, Sberbank, VTB and some others.
We present the TOP 5 banks in which you can safely invest your money at interest
There is a misconception that in order to start making money in real estate, you need to have a large start-up capital. In fact, there are several options to get all the benefits of investing in real estate with a small amount of 200 to 1 million rubles at your disposal:
One of the principles of investing that Kiyosaki talks about all the time is using good debt and leverage. The bottom line is that you use only part of your money for the purchase, and take the rest from the bank at a certain percentage.
For example, you have 1 million rubles that you are ready to invest in real estate, consider two options:
You purchase for cash a small studio apartment in a new building in a provincial town. When a new building is commissioned (about 1.5 years after the excavation), it usually rises in price by about 20-30%, that is, in fact, you will receive a yield of about 1.5 - 2 times higher than the bank.
Option number 2 - you take 1 million rubles and purchase 3 apartments using leverage (mortgage). For each apartment you make a down payment of 10% and the bank pays the rest. While the new building is being built, you pay interest on the mortgage - about 10,000 - 15,000 for each apartment or 30 - 45,000 per month on a loan, then exit the transaction at the final stage - with such a scheme, the yield increases to 60 - 100 per annum.
Watch a fragment of Nikolay Mrochkovsky's seminar in which he analyzes this strategy in more detail:
Acquisition of real estate at the stage of closed sales
A real example of one of our investors Nikolay Mrochkovsky - he bought an apartment in a new building in the city of Gorodets in the Nizhny Novgorod region at an early stage at closed sales for 975,000 rubles, after 6 months he sold it also at an intermediate stage through a developer company for 1.3 million) profit amounted to 325 thousand rubles for 6 months of investment or 33% in just 6 months.
But such projects usually do not appear in open access, it is better to look for them at closed meetings and in investor clubs,
Investing in real estate with maternity capital
Investing in real estate in 2017
During the collapse of the ruble square meters become much more accessible. However, this investment tool requires a professional approach.
In 2017, we recommend considering real estate investment strategies that are focused on obtaining a stable cash flow, rather than counting on the growth in property value There is a high probability that the price tag for sale will be low for quite some time, and many new buildings are at risk of becoming - unfinished
Investing in real estate will almost always save your investment, and with a competent approach to investing in real estate, it will increase your investment.
Real estate investment options with stable rental income
Free knowledge base on investing
41 ways to invest in real estate
If you are going in the future make a profit by renting out housing, then it is most rational to purchase several apartments now in a new building of a single building or tenement house. The cost of rent will be increased by such factors as the location of housing near the metro or railway station, the developed infrastructure of the area, the presence of large enterprises, airports, etc.
By investing in real estate for rent, you can consistently receive a monthly income. (This can include both commercial real estate (renting a room, warehouse, office, etc.) and residential (cottage (house), apartment, room, etc.))
Download a free business plan from Yury Medushenko
How to purchase apartment house with bank money and receive from rent from 100,000 to 300,000 per month
It is advisable to carry out investment activities with real estate at the peak of the crisis. To determine the moment when the recession reaches the bottom, only a true pro can. Therefore, enlist the support of such an expert. It will give you the best deal.
The essence of this contribution is as follows: you entrust your capital to the fund, where it is managed by a team of professionals. You pay for the activities of those who manage your money and you yourself are responsible for it. But for all that, it is a fairly stable source of average income.
It is important to choose a mutual fund with the most popular securities and hope that the market does not “storm” from strong fluctuations. According to statistics, after the previous crisis, solid mutual funds managed to return money to investors only after 4-5 years. The most persistent of them were able to accumulate up to 40 % arrived. (What is a mutual fund, as well as about other ways to invest money in order to make a profit)
A significant advantage of this method of investment is the ability to withdraw your capital or its share at any time.
It is about the so-called social loan when ordinary citizens act as lenders and borrowers. The monthly yield of such peer-to-peer lending can reach 50 % . Your clients will be ready to enter into insured transactions with you at one and a half percent per day.
True, the system that provides a platform for such microloans takes half of each of your percentages. However, you will have your 0.70% per day stably. And after some time, having withdrawn your deposit, you can already earn on profit.
This is sometimes called binary options. This investment tool either gives a fixed amount of profit, or gives nothing. It all depends on the fulfillment by its participant of a certain condition at a certain time. Here you can acquire a huge capital, and you can lose it.
If you do not understand the marketing topic, then fortune is unlikely to smile at you here. Like a fish in water on a binary option, only the “aces” of the currency sphere, who are able to predetermine the potential risks of the transaction, feel. What are binary options and how to make money on them read in.
Binary options are a high-risk financial instrument, but where there is high risk, there is high profit.
If you still want to try your hand at trading binary options, then we recommend choosing a reliable broker that has been providing its services for many years. For example, this could include a company IQoption.
Investing in someone else's business is always a risk, especially in times of crisis. After all, it’s not just, as some people think, “invested and forgot”, but the interest itself “drips”. To be profitable, you must be 100 % confident in the people you trust with your savings.
In Russia, such "numbers" are rarely held. Any business we have requires personal participation. If you still decide to invest in someone else's company, do not part with all your money at once - limit yourself to some part.
Small-scale business is the surest tool for increasing investment in times of crisis. Of course, at the very beginning, one cannot avoid meeting with risks. However, having stepped over the starting line, you can breathe a sigh of relief.
It is clear that it is hardly worth counting on something grand against the backdrop of a fading banking activity and wage arrears. However, passion for an interesting business and overcoming difficulties on the way to success guarantee moral satisfaction. (you will find business ideas with minimal investment, what kind of business you can open at home, etc.)
Investing in a business is an excellent investment in order to generate monthly income. Recommendations on how to start opening a business, see the picture
Well established business is a reliable financial instrument where you can now invest money in order to receive monthly income, since it is the business that will not only generate income steadily, but over time it will provide funds for investing in other financial instruments.
This is a proven way to save and multiply your savings. Precious metals are considered to be used in the manufacture of jewelry. Such valuable metal raw materials include palladium, platinum, silver, gold . They are too tough for inflation, so they are always in favor with far-sighted people.
There are several ways to acquire precious metals:
The profitability of this method of investing money is also not very high. In fact, no one will give you gold in your hands
This reliable type of investment is far from being liquid for everyone. First of all, you should be well versed in art. Then the profit from these investments can simply go off scale. One masterpiece of painting or one marble figurine can bring hundreds of percent of income.
It is clear that the cost of ingenious creations is not threatened by any financial cataclysms. However, finding their true connoisseurs is oh so difficult. Practice shows that by buying a true work of art, you can absolutely save money in troubled times. But usually only 4 masterpieces out of 10 manages to come true.
Investing in startups – innovative projects or enterprises - a business that is both profitable and risky. We are talking about the introduction into production of previously unused technical know-how. Statistics show that only 2 % enterprises justify such investments. But the profit from them, as a rule, overlaps the rest. 7-8 % unsuccessful investments.
A deposit can be made not only with real money, but also with promised amounts (commitments). Profit should be expected in 3-7 years, until the financially protected companies are on their feet. The most chances in this business are small enterprises created in high-tech production areas.
Cryptocurrency is a new electronic means of payment that has come into practice on the threshold of a new millennium. It has a high level of protection. Bitcoin became the pioneer, followed by the other 150 of its “clones”.
Today, cryptocurrencies are becoming real competitors to conventional money and significantly affect world economy. eBay and Amazon are already working with cryptocurrencies.
Of course, like any innovation, cryptocurrencies do not yet have a large scope of distribution. However, many experts believe that they are the future. Their main argument is the complete impossibility of inflation of a new type of money.
The most profitable business– profiting from applications that can provide real help. It is equally profitable to invest in applications that aggregate useful information a certain topic.
noteworthy and free apps, the hallmark of the use of which is the sale of something.
Publics in social networks- one of the most common online messages of our days. Some try to make money in public, although this is a rather risky business - since there are a lot of scammers and schoolchildren in this field who have come for easy money
The main thing is to be a mega-active performer. If you are one of those, you are guaranteed success. Special investments this activity does not require. It is enough just to fork out a little at the initial stage. And in the future, the number of subscribers can be increased through exchanges.
A large role in this matter is given to the content of the public, or rather, its quality. You need to be able to choose a topic that is interesting for a wide audience. The relevance of the topic will attract a lot of advertisers. The most popular and most monetized are publics that touch on the problems of money, success, gender relationships.
On the basis of such a popular public, it is quite possible to establish a profitable sales channel. The main thing is that the products sold are not very expensive and are intended for the mass user.
Payment terminals currently serve millions of people. The range of options for these software packages is constantly expanding. Their use presupposes high commission. Having bought several such devices, you will burden yourself with only one concern - to take money from them on time.
Finally, let's talk about the main thing - investing in your own development. It's not just important. This is the starting point of any business success.
Spare no money on the "smart" books, useful seminars, practical trainings, valuable information products especially courses on investing and earning . They will become your guides in the ocean of money flows and investment whirlpools. They will teach you how to avoid pitfalls and avoid shallows. With their help, you can quickly filter out unnecessary, inefficient methods of earning.
The capital acquired in this way will always be with you. No one, under any circumstances, can take it away from you. He is not threatened by any force majeure, any crises. This is the lowest cost and at the same time the most profitable type of investment. After all, it is not just risk-free - it is anti-risk. Any investor can only dream of such a combination.
Without self-development, building an investment business is doomed to failure. Investing in yourself is a powerful idea generator and a unique catalyst for success.
Before you decide where to invest money at a high interest rate with a guarantee, you need to understand what an investment is - this is a difficult task, since a guarantee implies low risks when investing. The activity itself (investing) is a risky business, therefore, in any case, where high yield (high percentages) present and high risks.
A fatal mistake is an unforgivable luxury for an investor. Especially in times of crisis. Therefore, experienced financiers know that a reasonable investment has nothing to do with what is popularly called "flogging a fever."
And one more taboo for the investor: he never reacts to the revelations of some unknown "trader-investor" Vasya Pupkin accidentally found on the Internet.
Consider the main ways where to invest money at a high interest rate with a guarantee.
Investment - is a risky investment of capital with the aim of generating income. Therefore, no one will ever give a guarantee that you will receive a return on investment. Each type of investment has its own risks, some risks are greater, others less.
Buying securities can be a source of stable income. After all, becoming a shareholder of a reputable company, you can count on regular dividends. But this investment tool needs to be mastered thoroughly. You can’t just rely on luck, although there have certainly been cases in the history of the stock market when the price of shares “flyed up” dozens of times in a few years.
However, more often there are unadvertised stories with the loss of all investments. In order not to go broke, it makes sense to entrust the management of your savings to a professional trader with a credible history of profitability.
This payment service provides an excellent opportunity to earn on microloans. You can determine the amount of the borrowed amount and interest on your own. But it will not be easy to return a loan from an Internet fraudster.
So the risks of such online investment are quite high. Experts recommend getting a large clientele and giving out small amounts. And you can check the absence of claims against a virtual borrower by his account.
The advantages of online investment include the following:
Now consider the features of various types of investment in sites:
1. Investing money for CPA affiliates
The essence of this method is that you receive your reward for a certain action on the site, namely: game registration, product purchase, application for a tour, credit card processing. Similar partnership programs necessary for the promotion of any selling resource. At the same time, each affiliate solves its own specific problem.
For example, you are tasked with creating a landing page for bank cards. You describe several offers, after which you give affiliate links. If the application of the user of your page is approved by the bank, you are entitled to a reward, say, 1500 rubles (payment for each application is determined by the conditions of work in a particular bank).
There is only one difficulty here - to catch up with traffic. However, if your efforts have had an effect, such affiliate programs can be very profitable.
2. Invest in MFA sites
This time we are talking about resources aimed at generating income from contextual advertising. You can hardly wait for a super-large profit from this type of earnings. However, it has one very big advantage - the ability to install an ad unit on the site almost immediately. (For example, Adsense blocks or YAN blocks (Yandex advertising network))
And this means that the site will start making money almost from the first day of its existence. The level of profitability is largely determined by the theme of the site.
For example, a popular medical portal can bring from 15,000 rubles of monthly income (with an average attendance of 1,500 users per day).
It all depends on the ability to monetize traffic on the site. The most profitable sites for payments in contextual advertising are sites for financial, construction, etc. theme.
For example, the average financial "trust" site can generate income every month in the amount of 10 - 30 thousand rubles selling links.
True, at the current stage of development of search engine robots, the income from this type of investment has dipped significantly for many. Some even stopped betting on it after analyzing the unprofitable dynamics of income.
The main disadvantage of such monetization - after it, the site can be confidently written off as scrap, since search engines can impose sanctions on web resources and then the project's traffic will fall, and, accordingly, the income from selling links too. If the site makes money with such an "unclean" method, you will not see a large amount of traffic for "clean" ways of income (contextual, banner advertising, etc.).
This type of investment in Forex is becoming more and more attractive today. The amount of the deposit can be limited to just 500 rubles, which contributes to the growing popularity of PAMM. The mechanism of this method of investing is to transfer cash savings to the management of a professional trader. This virtually eliminates non-trading risks. (We recommend reading in - How to trade on Forex market How to start playing on the Forex exchange
A guarantee of the security of the interests of the depositor is the presence on the PAMM account of the capital of the manager himself. The latter is only allowed to make transactions on the account without withdrawing the principal's money from it. The depositor can always follow the progress of transactions online or view the history of their completion.
Big plus PAMM investment is an opportunity for the contributor take full control of your funds , entering and withdrawing them at your own discretion. An investor can also diversify his money by placing different traders on PAMM accounts. You can also make trading operations yourself by copying the transactions of experienced traders.
Dachas are one of the most undervalued markets today and here's why:
Watch a lesson from our expert - Anton Murygin, who just specializes in this special type of real estate:
2017 in Russia promises to be years of trials for all citizens, including investors. So that it does not become ruinous for you, experts unanimously urge not to keep savings at home. In a year, they can depreciate by 10-15 % , or even higher.
You should also follow the forecasts of specialists and the advice of experts in various sectors of the economy and, of course, rely on your sixth sense.
Where is the best place to invest now? What investment recommendations do experts give in 2017? In what areas of investment now, in their opinion, are there minimal risks for investing funds? Where to invest to get monthly income?
This popular among our compatriots financial instrument it is recommended to use, first of all, to those who seek not to increase their capital, but only to protect it from depreciation.
It is expected that in 2017 the inflation rate in the country will reach 13% - 15% (the Ministry of Economic Development predicts inflation at the level of 5-7%, but it all depends on the state of the economy and we can safely assume that inflation will reach the aforementioned 13-15 percent). Meanwhile, the interest on deposits in national currency averages 10-13%. Thus, interest payments in banks should cover the depreciation of money.
However, when depositing your savings with banks, you need to take into account two important points:
1 . Choosing deposit program, give preference to the most solid and stable financial and credit organizations. Today, the first positions in the reliability rating are occupied by such large financial institutions as Sberbank, Gazprombank, VTB, FC Otkritie and Rosselkhozbank.
2 . Before opening a deposit in a financial institution, you need to clarify whether it is a participant state deposit insurance programs. Upon receipt of an affirmative answer, you can open an account without fear, depositing up to 1 400 000 rubles : such a deposit is considered to be insured, and, in case the bank loses the license, it will be guaranteed to be returned.
Experts rightly believe that investments in residential buildings in 2017 are long-term investments. Now many industries have already begun to win back sharp jumps in the exchange rate and prices have risen, real estate is still holding on, and many developers and private traders give good discounts.
But if you know how to wait, then such a use of your money will be optimal. In a couple of years, prices will rise again, and you will become the owner of a decent profit.
Regarding the choice of investment objects, experts give the following instructions:
This type of investment is considered to be a worldwide recognized way of income in terms of crisis economy. Experienced investors can get a good income in a few weeks by transferring money from one currency to another. (We recommend reading -)
However, currency investors should take note of the following information:
The most profitable business in the context of the current economic problems – conquest of virtual space . The production of goods, as well as the provision of services, are extremely risky ventures in today's real market. Therefore, experts advise to invest (invest) money in Internet projects.
Your own Internet project can be created in various ways:
It is best to order a website and its promotion to IT specialists, and then constantly fill it with quality content and current offers. Unrestricted network activity by territorial and time frames is the best prerequisite for its profitability.
Other options for smart investments in 2017, according to experts, are:
These are typical pyramids like the infamous MMM. Crazy profits - up to 3% of profits - only their creators shine here. The lifespan of such a pyramid is from a year to a couple of months.
Another big adventure is online casino. No one has yet managed to win big money in it, but it is quite possible to drain all the capital. The fraudulent scheme of an online game is built on the inability of a gambler to stop in time.
If you do not own yourself, it is better not to have any business with either real or virtual rogues. Don't be tempted by "free cheese": chasing him always ends with the click of the mousetrap door.
So, you have learned about the most popular ways of investing during the crisis and got acquainted with the opinions of reputable experts on this matter. Now it's up to you. After all, it is up to you and only you to decide where to invest money (your acquired capital). You also bear the burden of responsibility for the decision you make.
Perhaps the choice of objects for investment at the moment is not as wide as many would like. Moreover, the situation in the country is so unpredictable that all forecasts are very relative. Therefore, you need to keep your eyes open and be able to quickly rebuild. The main thing to understand: a crisis
The first most popular and most commonplace type of investment is in banks. I do not consider it at all as a type of investment due to the very small income. For me, a bank is just a store for money, which is a little better than keeping money "under the pillow" at home - the bank is more reliable and brings at least some pennies.
I keep money in the bank only as a financial cushion with the amount of funds for life for no more than the next 6 months. For all other funds, the bank is used as a transshipment point, after which the money goes to other financial instruments.
Nevertheless, if you decide to use the bank as an investment tool, then you must remember that it is better to distribute funds among banks in such a way that each contains an amount of no more than 1,400,000 rubles, because. insurance covers only this amount of funds. Naturally, you need to choose a bank according to reliability and popularity - you can see this in all ratings and work with the top ten banks. If you really want reliability, then it is better to choose banks where the state is a partial owner - it is unlikely that the state will stop the activities of its bank. These are such banks as Sberbank, Rosselkhozbank, VTB, etc.
I use 4 banks: Moscow Credit Bank, Tinkoff Credit systems, Sberbank, VTB.
Popular form of investment. Usually, if you ask a person “what to invest in”, then real estate will come to mind for most.
Many first of all remember real estate because of the banal point of view that if there is free money, then fearing to lose it, it is better to invest it in real estate, and there it will definitely remain. Many simply do not consider real estate as an investment tool specifically for creating money, but they approach it from the position of saving money. But if real estate is considered precisely as an investment instrument, then it is far from being so simple, it requires knowledge, experience, it freezes money for a long time and the profitability is not always stable and high, and also requires a large initial capital. If you invest borrowed money, then you generally need a lot of experience, which is clearly not suitable for everyone.
If real estate is considered as an investment tool, then I would recommend considering buildings at the stage of "excavation", because. they can give the maximum profit. Especially if it is an investment in luxury housing. At the stage of "pitting" it can cost 10-15-20 million (in Moscow), and after construction, all 30-40-50 million - there are such examples.
If you plan to continue to receive income from renting out, then it is better to buy a lot of one-room apartments (next to the metro - this increases the cost of rent).
Be sure to study the infrastructure of the area and its future for the next 3-5 years. It is the infrastructure that greatly affects the possible profit in this type of investment. .
An excellent way to invest for those who want to receive a reliable passive income, but are dissatisfied with a very small percentage in banks.
Pros and cons:
+ high annual interest: 12-30%
- high threshold for entry individuals(this threshold is regulated by the state), i.e. with small amounts, you simply do not have the opportunity to try this method;
- you need to carefully choose an organization, because no state deposit insurance; but here the principle applies: the larger and older the organization, the more reliable, but you must also remember that a reliable organization will not give you a very high annual percentage.
One of the most popular and reliable organizations with the possibility of insuring all invested funds: which belongs to RUSMICROFINANCE Group of Companies (since 2011 on the market, under the control of the Central Bank, own capital> 300 million rubles, many mentions on RBC, Banki.ru, etc.)
You invest in a fund where it is professionally managed by a company. In my opinion, the instrument has a very average profitability, but in principle it is stable. The main thing is that there are no serious fluctuations in the securities market (if you have chosen a mutual fund with securities that are the most popular). If you look at the statistics, then after the 2008 crisis, mutual funds returned the lost money to investors somewhere only by 2011-12, i.e. if you invested money before the crisis, then you returned the invested amount without loss (and, of course, without income) only after 3-4 years.
From my experience - I invested in a mutual fund of Telecommunications from TroikaDialog and in a year and a half it gave + 44%. Then the fund was transferred to Sberbank Asset Management, then I withdrew the money from the fund.
Very detailed about mutual funds in my articles:
Binary options are options that either provide a fixed amount of income or not, depending on the fulfillment of a specified condition at a certain time. Here I recommend Binomo. They turned out to have excellent service and an interface that was clear to me, but I will make a reservation that I am not a professional on the topic of trading. With the help of this service, you can really earn fast money, but you can also lose it :-) For professionals in the field of exchange rates, there is an opportunity to earn money here, and for non-professionals, quickly “play” and also earn money.
Screenshot to get started:
Screenshot after an hour of work (look at the balance):
Of course, I understand that a business is not just an investment in the form of "invest, forget and get a profit." It's possible, but it's more about foreign countries. If we take Russia, then, in my experience, one cannot completely rely on people and, nevertheless, one must himself take part in the main decisions for the effective development of a business.
Of all the tools, business is the most highly profitable. The main risks are at the very beginning. Then, if the business grows, then the income increases, and the riskiness of this instrument decreases. Plus, this is a very exciting and interesting tool - hundreds of thousands of books about business have been written for a reason.
If you have nothing to start your investments with, then the business should become your first tool and income generator, which can then be distributed to other financial instruments.
1) the main thing - do not be afraid to start;
2) choose to work existing market, probability to create new market very small;
3) choose a working business model that you saw somewhere - inventing a new one is extremely risky. To implement a ready-made business model, only a little better than others - much easier than "building a new bike";
4) choose non-mass markets with high competition - you need to start with something small, but when you listen to someone, you often hear that if someone wants an online store, then immediately equipment, phones, etc. , and people do not understand that the margin there, God forbid, is 10%, and in order to earn money, you must have very good turnover;
5) if there is no money at all - start with a service business, and not with a goods business - it is less costly and less risky at the initial stage, but then it will be harder to scale it up and improve the quality of the services provided, especially if the service is complex, multi-stage, etc.
In short, business must be mandatory :) This is the main financial instrument.
As John Rockefeller said: “If you have little money, you need to do business. If there is no money at all, you need to do business urgently! Right now!"
The use of this tool requires certain professionalism and skills. Of course, there are many examples when the shares of some companies in a short period of time (for example, 5 years) grew in price by 5-10-50 times or more - and it seems that this investment tool is very promising. This, of course, is true, but we must remember that this needs to be well understood and such examples of growth are rare, and no one advertises hundreds of other companies that have gone bankrupt. In my opinion, it is more profitable to trust a professional manager with a good history of profitability.
I myself use a brokerage account Tinkoff Bank. I sometimes buy shares. I invest very conservatively.
Per Last year as of June 20, 2018, the income is 13.98%. This is almost 2.5 times more than the income of a bank deposit in state-owned banks.
Investing in precious metals - such as gold (), silver, platinum, palladium.
You can go several ways:
1) Purchase of bullion in banks. Remember that if you sell them, you will have to pay a tax of 13%.
2) Purchase of precious coins. The main supplier of this kind of coins is Sberbank.
3) Acquisition of securities backed by gold through stock exchanges.
4) Opening an impersonal metal account. This is an account in which metals act as currency. At the same time, in reality, you don’t have any metals on your hands. Everything is conditional. Making a profit is possible in the event of an increase in metal prices.
I myself participated in a typical hype - MMM, when there was a resuscitation of this system after the 90s. I decided in the end, but nevertheless remained in the black: + 150,000 rubles - this is what I withdrew as a profit, and another 40,000 should have been, but not paid. In short, I remained in the black, but such an extremely risky type of income is not for me. They can play with small amounts, like invested $200 and got lucky - got $400, or got nothing :) It seems to me that playing in a casino is more interesting and faster :)
Who hasn't heard about cryptocurrencies now? Even the lazy one heard. The topic, of course, is interesting, but very volatile and highly prone to panic.
I have my own crypto portfolio. I entered the market after bitcoin began to cost 4-5 thousand dollars. This was sometime in September 2017. Then I invested in various altcoins, tried to study information, drew conclusions, read analytics, listened to YouTube “experts” :-) There were ups and downs. Redistributed the portfolio. I bought information in all sorts of closed services about what will grow and what will not, etc. I invested in one ICO.
In short, there were a million actions and nerves, and the result is this:
At the time of entry, I bought almost 2 bitcoins. Now I have about one bitcoin :-) The money is about the same or even losses from the moment of entry. At the peak, I had about $33,000, which I did not convert into money, then I unsuccessfully repurchased a couple of times, etc. Now there are about 7 thousand dollars left :-)
In general, the topic did not go well for me or I did everything at the wrong time. But there is a portfolio, maybe it will shoot in a few years :-) or I will lose it ... :-)
Investing in websites is also one of my favorite topics because:
1) no large investments are required;
2) high rate of return on investment;
3) high profit;
4) the ability to do everything "by someone else's hands" without serious risks of "hands-on" on the part of the performers, and therefore a good opportunity to scale the process.
But the downside is that you need to understand this and be “in the subject”. You can’t just take and earn on the site without understanding the principles and methods of monetization. Or you can, but ridiculous $20-50 per month.
You are paid a reward for a certain action by the user, for example, for the purchase of goods, for registering in an online game, for a completed tour, for an application or issued a credit card, and many, many other options.
The essence of the method is simple - a website is created, thematic traffic is pursued, an affiliate program is placed and money is earned. For example, create a landing page for credit cards, where you describe 3-5 offers and give affiliate links. If the bank approves the application submitted by the user of your site, you will receive a reward of 400-1200 rubles per application (the price depends on the conditions of each bank). Another thing to drive this financial traffic is worth some effort.
In any case, such partnerships are very profitable. The main thing is to be able to choose the right affiliate program, niche, and, well, to catch up with traffic.
In short, these are sites designed to earn money from contextual advertising. It is impossible to make a normal profit on this, i.e. alternative ways earn more. But there is a plus for this type of earnings - this is the ability to install an ad unit on the site immediately (this applies to Adsense) from the moment of creation, there are more requirements in YAN. Thus, the site will immediately begin to bring something. From my experience, there really isn’t much money (depending, of course, on the subject), but the medical traffic close to me gives approximately the following result - every 1,000 people a day bring about 1,500 rubles a month (provided that contextual advertising costs adequately, and not on half the screen after the page loads).
A mega popular type of income is the sale of links from the site, both rental and "eternal". Investments in this type of earnings used to be very, very popular, and there was a high return. I myself made a lot of money on this: for example, I will give a screenshot of the income of some of my sites (I started to take a screenshot - I saw that one site was banned - eh ...):
In general, the number of sites matters here. At this stage in the development of search engines, my income from this type of earnings has seriously dipped. Now I don't bet on it. Here is a screenshot of the income dynamics over the years of one site. It's basically the same for all sites.
Another disadvantage of such earnings is that after such monetization, the site can be thrown into a landfill. And while it's monetized in this way, a large number traffic for other ways of earning can not be seen. Therefore, this method of monetization is suitable when it is impossible to earn in another “cleaner” way.
At the time of 2019, I sold almost all of my sites due to low income. It can be said that this species earnings are no longer working.
In principle, a normal topic, if you know how you can make money. The easiest way to make money on simple applications that can somehow help in life. Or apps that aggregate useful information in one place on a specific topic, or free apps that upsell something while you use it. This freelancing can be collected for 30,000-50,000 rubles. In companies, of course, more expensive. In this type of earnings, the idea of this application is important. God forbid you try to repeat the success, some Angry Birds (by the way, the company that made this game released several hundred! Unpopular games before that) - this, firstly, costs a lot, a lot of money, and, secondly, if the idea is a failure, then you will lose a lot.
My experience in this area is still unsuccessful, i.e. more money was spent on the development of the public than it brought in. Naturally, I outsourced everything, and did not touch it myself. In principle, you can make money from publics very well, but you need ideological active performers (in the case of outsourcing), if you are one, then this type of income can become very promising for you. It does not require large investments - basically only at the initial stage, then you can catch up with subscribers by exchanges. The quality of the public content is very important.
If you choose a public theme, then the most popular ones for a wide audience are better - then you will have the maximum number of advertisers who want to advertise with you. The most monetized and popular publics are about success, psychology, relationships, money. By the way, on the basis of a popular public, you can establish a good sales channel for your business, but only if your product is for the masses and with a low average check (for example, phone cases, T-shirts, small jewelry, inexpensive children's clothing, etc.) .
Left the most important for last. Investing in yourself is the most, most super important decision in your life, with which you can always earn. Develop, read, attend seminars, buy information products, go to trainings, and most importantly, then try, try, try to implement what you were taught there - of course, effective things are not taught everywhere - your task is to weed out nonsense and build effective skills into yourself in one area or another. You will develop skills that will always be yours, no one can take them away.
This is the most risk-free investment and the most profitable - just an investor's dream, which is low cost and accessible to everyone.
Without investing money in your development, everything else is practically meaningless. Investing in yourself is like a powerful catalyst in a chemical reaction (I hope you remember some chemistry).
I will be glad to comments on the article :) Good luck to you!
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