If we could go back to the summer of 2014, when the dollar in Russia cost less than 35 rubles, take a bank loan, even at the highest interest rate, and buy foreign currency with all the money, then by selling it now, we could get rich. Surely, one of the financial experts then advised to do so, and the one who obeyed is today in chocolate.
And what do financial experts advise now? What can you invest your money in to earn? RBC correspondents asked Russian financiers this question. What advice did the experts give?
Deposits in rubles and foreign currency. Bank deposits are the traditional way of profitable investment of money in Russia. In 2015 the most the best investment became deposits in dollars. Despite the fall in rates, the yield for the year on them amounted to almost 30%. Ruble bank deposits in 2015 were among the less successful investments. They would bring the investor 13.33%.
This year, we should expect a further reduction in deposit rates, says Natalia Rozenberg, head of the department for the development of non-credit products and remote services at the MKB. The best strategy will open two deposits: one in rubles, the other - in foreign currency, advises the chief analyst of Sberbank Mikhail Matovnikov.
It is predicted that the ruble deposit in the bank in 2016 will allow earning a yield of about 10% - the average maximum rate on deposits for the year in the first 15 banks in terms of individual deposits.
Rates on dollar deposits in banks for a year are about 2% per annum, but what matters here is not the amount of income, but the ability to protect savings from the devaluation of the ruble. It makes sense to place currencies on short-term deposits - this way you can quickly respond to changes in the exchange rate, suggests Natalia Rozenberg from the IBC.
cash currency. Many believe that in 2016 it is especially profitable to invest in foreign currency. However, statistics show that cash in euros and dollars at the end of 2015 did not show the highest profitability. Having bought at the beginning of 2015 dollars for 100 thousand rubles, it was possible to get a profitability of 16 thousand rubles in 12 months, and in the case of the euro - 7.5 thousand rubles.
According to Sergey Romanchuk, Head of Operations in the Money and Foreign Exchange Market of Metallinvest Bank, such investments - an attempt not to earn, but to save money - are one of the most conservative, but the least risky investments. There is only one risk here - a sharp strengthening of the ruble, which is unlikely.
Real estate. Another traditional way for Russia to invest money in order to save it from inflation and earn money is the purchase of real estate. But in 2015, this investment instrument showed the lowest profitability. By investing in real estate, it was possible to earn only 5.5% - so much would have added to the value of a Moscow apartment worth 10 million per year. That is, if 100 thousand rubles could be invested in real estate, the investor's income would be only 5,500 rubles.
Now the main argument in favor of buying real estate is the ability to save money, and in 2016 there is no need to wait for changes for the better, experts say. The Russian real estate market is still an unattractive asset for investment - especially if you plan to generate income in the coming years.
Hello, friends! Oleg Zolotarev is with you. If you are concerned about the issue of preserving your personal savings, if you decide where to invest money in 2016 so as not to lose, the advice of experts - analysts, whom I consider the most respected and authoritative, will help you answer this question. In this article, I will also share with you my personal experience in investing. Since this year, according to all forecasts, will be quite difficult, as it seems, world economy stands at a crossroads, I advise you to read our recommendations as carefully as possible so as not to lose your money.
Let's immediately decide who we should consider an expert and whose opinion really matters in the financial markets in order to listen to them and not lose our money. Too many now pretend to be the “great gurus” of the world of finance, but in reality they turn out to be right no more often than according to probability theory - out of four predictions, at best, two come true, after which the pseudo-expert starts trumpeting about these random guesses at all angles , but it will be too late, because you will lose your money. So that my material collected in this article will help you not to lose your money, if you suddenly decide to rely on it, I will tell you in advance about those who you should listen to at any time:
As you can see, these organizations should be treated with due respect, which is why I have given the size of their offices and the number of employees in the description, so that it is clear that if Bank of America gives a negative forecast for the Russian ruble this year, then there is a serious the analytical department, which is represented by hundreds of leading experts in various sectors of the economy, ahead of events, I will tell you that the forecast there is quite positive for the ruble. Their forecasts are based on a much more reliable platform than the one on which our "homegrown" analysts are based, whose predictions flash on the pages of the yellow press, they will not let you lose finances.
Friends, if you follow the same simple rule - buy low and sell high, does it make sense now to invest in foreign currency for a long time or where is it better to invest money so as not to lose? 
For as long as I can remember, I always recommended keeping savings in dollars. Major world reserve currency and "safe-haven currency" in case crisis situation in the economy of our country. For a long time, the US dollar simply had no competitors. Now, at first glance, buying such expensive dollars makes no sense, but is it really so, is there a chance in this currency not to lose your hard-earned money?
Actually not quite like that. Now we have a very cheap ruble rather than an overpriced dollar. Moreover, the further strengthening of the dollar as a world currency, where it is likely to continue!
According to experts from the Bloomberg agency, the world's central banks are planning to invest a large share of dollars in their reserves so as not to lose. In the short term, it is quite appropriate to keep your funds in US currency in order to save and not lose. But if you plan to save for something in dollars for much longer than 10 years, or save for your old age, consider this:
If we compare these two well-known facts, we can come to the conclusion that in the long run the value of the dollar may fall significantly, since only this will allow the United States to serve its overgrown external debt painless, there is a chance to lose.
In this regard, where the usual accumulation of savings in the form of US dollars is not seen as an effective and safe method, they can be used more rationally in the form of investments in binary options. You can get detailed instructions on working with them from the following video:
The current state of affairs - an expensive national currency and an eleven-digit amount of debt in the same currency, is at least a very difficult situation for the States. But when they will have to unravel this knot, there is no need to say, and in the near future, to the question “where to invest money in 2016 so as not to lose”, expert advice gives the answer “invest in US dollars”, which does not lose its relevance.
The only thing required is to see where the national currency of America will find a level of support against the ruble. In order to keep track of this in time, I advise you to subscribe to our newsletter:
Get step by step instructions earnings!
And also regularly view daily and weekly forecasts of the exchange rates of the main currencies, which are presented on our portal, in the section ""
The single European currency, on the contrary, seems to me not too attractive to invest in it for storing short-term deposits, but in the long run you can rely on it so as not to lose your money in the end.
Now the political situation in the Eurozone does not look too rosy - the flow of refugees from the warring East and some political problems bring some uncertainty, but in the future, there is no alternative to the European Union and the expansion of the Eurozone.
Too much benefit promises the use single currency many states: this is both the growing stability and liquidity of financial markets, and competitive refinancing: a decrease in national banks interest rates to remain competitive and price parity in the Eurozone.
Now the European currency is falling against the dollar, this has been going on since January 2008, but as soon as this movement reverses, the euro will become a very attractive currency for savings, and it is worth investing in it so as not to lose.
It is very interesting to track the movement of these mastodons of the foreign exchange market relative to each other - the Euro / Dollar currency pair is the most popular among people who make money in the foreign exchange market. In particular, the author’s strategy of Viktor Samoilov is based on the patterns of intraday movements of this currency pair - “”, to get acquainted with its rules and understand how the movement of the two major world currencies can make a profit, I recommend watching the video of our channel:
In general, the dollar now looks more preferable where it is worth investing money so as not to lose, but global problems public debt in the US economy make deposits in US dollars with a duration of 5 years or more unsafe.
The problems of the Eurozone with migration flows - on the contrary, sooner or later, will end. As soon as the fires of wars in the Middle East can be extinguished, the single European currency can begin its gradual strengthening.
Friends, I have always been proud of my active life position, I often chose rather risky investment options. Several times at the same time, he was sensitively burned, but he said: doing something is much better than doing nothing at all. After these words, you probably think that I will now begin to urge you to urgently carry your savings and invest them somewhere? But I won't start! The situation in the world economy today is not the same.
Russian rubles and many other national currencies of the CIS countries have recently lost their purchasing power under the pressure of falling oil prices, the global economic downturn, the difficult foreign policy situation and a number of other factors. And what does the basic principle of working in the currency and stock markets say? Buy low, sell high! So, the national currencies of the CIS countries are now cheaper than ever before, isn't it time to buy them? Moreover, the bulk of the population does not need to buy anything, their funds are already stored in these very “wooden” ones. Let's look at two scenarios where this could lead:
In more detail, the possible movements of the ruble, oddly enough, were considered in the article "".
In the light of recent events, keeping savings in rubles is seen as a rather risky investment. The country's monetary unit now resembles a tightrope walker walking along a thin rope over an abyss. Moreover, due to a combination of political circumstances, the notorious tightrope walker seriously injured one of his legs. Will he be able to survive and go his way to the end? This largely depends on the situation in the world, the application of economic sanctions by Western states and, of course, oil prices, since the country's economy has not had time to jump off this needle.
On the formation of the boundaries of supply and demand for black gold, and the opportunity to make money on the movements of oil quotes, I recommend watching the video of our channel:
As for the advice of leading experts on where to invest your money in rubles in 2016, so as not to lose something, as always, there is no unity in their ranks. As part of my job, I have repeatedly reviewed both the advice of various private analysts and what the world's economic forecasting agencies say, and I have identified several expert opinions that you can trust. In any case, knowing them will be very useful:
If you are now thinking and deciding where to invest money in 2016 so as not to lose, you have heard the advice of experts and probably understood that investing in rubles is seen as a rather risky investment, which is really not devoid of rational grain. Expert opinions do not give a clear answer. The fact is that the world situation this year may turn “not in front” at all for many states. The reasons for this are the general recession of the economy, and the not entirely clear state of affairs in China; stability in the situation is not added by the flows of refugees to European countries and the upcoming presidential elections in the United States. In the next chapter, let's look at where we should invest our savings, maybe in foreign currency, and what do the experts say?
PIF - stands for mutual investment fund. When you place your savings at the disposal of the mutual fund, you will receive a paper with your name on it, this security will certify the rights of its owner to the property part of the fund, and the subsequent possible redemption of this share according to the rules of the fund. Investing in mutual funds has the following advantages:
Possible disadvantages if you invest in mutual funds:
Expert opinions will not be given in this chapter, because this industry is quite large, I will say that mutual funds are prohibited from publishing their projected returns, but they are required to provide free access to the results of their work over the past time. Therefore, if you are going to purchase a share, check out the results of the selected fund for the past period. This is quite enough to understand the approximate result of your investment. I like mutual funds because they are very tightly regulated by the state. As a means for long-term investment, they are very convenient, they allow you to practically not think about your investments and bring a stable income. But I will warn you - do not rush to buy a share that brought excess profits over the past period. Based on personal experience, I can firmly say that such investments can turn out to be risky, choose mutual funds with an average but stable return.
Starting with this chapter, friends, we will slowly leave the comfort zone of most ordinary people. If keeping savings in dollars and euros is considered commonplace, mutual funds are also now quite popular and widespread, then the use of precious metals as a means of saving capital is still not so common among ordinary citizens. And by the way, it is in them that large world states, financial conglomerates and various funds prefer to invest their savings. Gold and silver, as the answer to the question of where to invest in 2016, so as not to lose the advice of experts, come down to careful consideration. Why? The slowdown in the global economy and the global financial crisis are the right conditions for considering precious metals a safe haven to invest money in.
Precious metals have been a symbol of prosperity since the dawn of mankind, for thousands of years this situation has not changed, and it probably will not change in the future.
Since ancient times, gold has been considered synonymous with luxury and wealth, and it is to it that people turn when times are hard. Many monetary units have appeared and disappeared from the world stage over the past centuries (this is how soldos, lira, doubloons and piastres have gone down in history), but gold has survived them all, and will probably survive more than one currency.
Capital can be kept in gold in any economic situation, but subject to two conditions - either it must be a long-term investment, for a period of 5 years or more, or another crisis in the economy is coming. Moreover, gold should not be purchased at the peak of the economic crisis, when purchasing power is reduced. monetary units, which can lead to unprofitability of such an investment.
Let's see what the world's leading experts say about investing in this metal:
1.Bloomberg now calls gold the most suitable asset to save money. In terms of growth rate, gold (since January its value has grown by 9.3%) outperformed the Japanese yen - the fastest growing currency in the world, whose growth rate was 5.5%.
2.We also hear a call to invest in gold from Deutsche Bank analysts, and they came to the conclusion that the volume of traded gold exceeds the physical volume of the metal several times. What outcome can follow from this? The price of "solar metal" will be recognized as artificially low, which will cause an even greater surge in demand for it.
3.Citigroup analysts as an answer to the question of where to invest money in 2016 so as not to lose, also advised to invest in gold and pay attention to the fact that many Central Banks of the world have begun to actively invest in gold recently.
As you can see, according to analysts' forecasts, gold is quite an attractive object for investing savings, with subsequent profit. By the way, the same analysts said last summer that gold is a relic of the past, and only a person who knows nothing about finance can invest in it. This kind of duality is found even in the forecasts of the world's leading analytical agencies, if you track their forecasts for a long time. Our portal has an excellent article on the method of successful investment in this precious metal:
When investing in gold, remember that in addition to directly buying metal in the form of an ingot, or opening a bank account linked to the gold rate, you can buy shares, for example, of OJSC Polyus Gold. In this case, you may find this article useful. For more details on investing in securities we will look further, but now let's move on to silver.
The movement of silver prices closely follows the movement of gold prices, but it is more subject to various fluctuations due to the fact that this metal is widely used in production.
Accordingly, during recessions and crises in the economies of the producing states, the price of silver sags more than that of gold. But as a long-term investment, silver is no less suitable. The fact is that the reserves of this metal are relatively small and, according to experts, they can be enough for a period of about 20 years.
Opinions of leading experts on the future movement of prices for silver repeat the words about gold - usually these two metals are in one line in their tables. But there are opinions of lesser-known analysts who predict a threefold increase in the price of silver within five years.
You can also invest in silver in several ways - by directly purchasing metal in the form of coins from it and ingots, as well as opening a deposit linked to the silver rate, or buying shares in a company that develops deposits of this resource.
It is also possible to invest in platinum and palladium by opening an account linked to the price of the metal, the price of which is more dependent on the state of world production. Forecasts for them depend to a greater extent on the state of the Chinese economy, as the world's main producer of goods.
Let me explain a little about the accounts that depend on the price level for metals. Such deposits are called OMS - Impersonal Metal Accounts, they reflect the precious metal purchased by the investor, without displaying its qualitative attributes, such as bar numbers or their samples in grams.
Anyone can open such a deposit, moreover, it can be issued to a minor. Its advantages are the possibility of instant purchase and sale of metal, gratuitous discovery, maintenance and deposit management. The downsides are the large difference between the buy and sell amounts (spread) and the fact that such an account is not subject to deposit insurance laws. Moreover, the spread differs even for bank branches of the same network. In Sberbank of the Russian Federation, as one of the most popular, it is possible to open four types of CHI, and they have already been mentioned - gold, silver, platinum, palladium. On the commodity markets they also trade in aluminium, copper, nickel and tin.
Dear friends, to describe in detail the opportunities that the securities markets offer for ordinary person it will take a huge amount of time. Questions about securities have been raised on our portal for more than a year - an excellent overview of possible assets for investment is presented in the article, and if you are just starting to discover this method of preserving and increasing capital, pay attention to the article For those who are seriously going to figure it out on the issue of investing in securities - our portal has a wide section "Stock Markets", where a huge amount of high-quality material on this topic is selected.
Friends, such a step as buying shares is already a transition to the "major league", it may well change your life dramatically. In order not to incur losses, follow the simplest instruction:
1. Carefully study the dynamics of the stock market for the previous period and choose not one, but at least three solid and proven companies that, in your opinion, will develop in the near future. In no case do not try to invest your money in only one asset. Follow the stock correlation rule, which is available in the article
2. Study the selected companies, look at their financial and analytical statements - for large organizations it is widely available.
3. Get acquainted with the opinion of analytical agencies about the prospects for the development of the companies you have chosen.
4. Divide your money among these three companies in equal amounts, regardless of the fact that they offer unequal returns.
Let's determine which domestic organizations should be considered for investing their funds:
1. Resources: LUKOIL, Gazprom, Norilsk Nickel, Transneft. It may not be possible to greatly increase your capital, but in difficult times your money will most likely not suffer and will not be destroyed by inflation, although these companies are now at the peak of sanctions pressure.
2. Operators of mobile communications and the Internet - Yandex, MTS and MegaFon. Investing your money in them is good because the shares of these companies are quite stable, despite the rumbling industrial and energy crises.
3. Large transport companies such as Aeroflot and Russian Railways can bring their owner both a serious profit and a serious loss.
4. From foreign companies, the information and high-tech sector should be singled out: Apple (for reference, 1 share is much cheaper than their phone or tablet, but it does not age) Google, Microsoft and Facebook. Big prospects, as I see it, are for 2016 for the lending institution Lending Club, the car company from the silicon valley Tesla Motors, and the well-known payment system Visa, as the share of non-cash payments is growing every year.
In this material, we will not consider stocks, bonds and bills in more detail, our portal has collected enough information about them and such “large-scale” material as an article by Viktor Samoilov Let's see what analysts threaten us in the securities markets in the near future.
Expert opinion: what stocks will be able to show growth in the near future?
Provided that as an answer to the question, "where to invest money in 2016, so as not to lose?" expert advice boils down to choosing the following stocks, the price of which is indicated at the beginning of 2016):
Gazprom - ordinary share - share price 144.30 rubles.
Gazprom shares are advised to buy by experts from Citigroup and UBS Bank.
Analysts from Goldman Sachs do not advise him to contact him yet
Sberbank of Russia – ordinary share – share price RUB 109.06
Again they are advised to buy Citigroup and UBS Bank.
No one had a negative outlook for Sberbank shares.
Surgutneftegaz - preferred share - share price 45.12 rubles.
Deutsche Bank, Morgan Stanley, Citigroup advise them to buy.
A negative forecast for it is given by BCS forex experts.
Apple - common stock - share price $100.83
Experts from Morgan Stanley, Credit Suisse, Citigroup, Nomura, JP Morgan Bank Internationa, BNP Paribas advise buying them, but no one advises selling its assets.
Facebook - common share - $107.49
The same experts from Morgan Stanley, Credit Suisse, Citigroup, Nomura, JP Morgan Bank Internationa, BNP Paribas advise buying them, no one advises selling them either.
Alibaba - Depository Receipt - $71.65
The situation is the same, all experts advise buying them, but no one advises selling them.
Friends, let's see where to invest in 2016 so as not to lose, expert advice:
There are also cons here:
If you think that this type of investment requires millions of dollars in income, let me dissuade you - you can always buy and then rent out a trading place, a small plot of land in a non-prestigious area, or something like that. The threshold for entering this sphere may not be as significant as it seems at first glance. Even parts of the population belonging to the middle class and below it can invest in real estate. Another thing is that the lower the entry threshold, the more correct the calculation should have been. Roughly speaking, you can buy a summer cottage that no one needs on the outskirts of the city, if you find out that in the near future, the adjacent territories to this summer cottage cooperative will be given under urban development, which will increase the price of land tenfold.
If funds allow, then you don’t need to be smart, but you need to purchase real estate in big cities with prospects for further growth - regional centers with developed production, Moscow and Leningrad regions. Such an investment will be justified in any case, in my opinion. But let's review expert opinions, unfortunately, neither the Bloomberg agency nor Morgan Stanley will be able to attract this time for obvious reasons, so I give you a summary of the advice of the most adequate "local spill" experts, they predict the following for 2016:
This type of investment invariably justifies itself, but here, too, you need to choose a reasonable approach. In fact, a person's education does not mean much if he cannot apply the acquired knowledge. Do not think, I am by no means urging you to urgently enter a nearby commercial institute to get a banal crust for anyone! Under the current conditions, this path seems to me to be absolutely dead-end and not worth considering.
For people who already have a completed education, getting a second higher education only makes sense if it is guaranteed to move you up the career ladder. Previously, it is better to discuss such issues with the authorities and have certain agreements with them on this matter. Why am I saying such obvious things? I met more than once people with two educations, neither of which was useful to them. Education in its standard sense does not always lead to financial independence, in fact, the knowledge that will really bring profit will not be taught to you either at school or at the university.
You will find a living example of obtaining such knowledge in the following video:
Do you understand what I mean? Investment in education does not always mean admission to educational institution. Sometimes you have to force yourself to pull yourself together, sacrifice time and effort, and only this will lead you to profit and true financial independence.
To be honest, in order to work in the currency markets, you do not need to graduate from an economic university. All that is needed is to pay due attention to obtaining proper knowledge in this area (and our portal is dedicated to this) and to develop real experience at work.
Friends, I myself have gone this way and I can say clearly that in order for investments in the work on the foreign exchange market to justify themselves and bring profit, and you can get a lot of it here, you should follow not so many rules:
All these rules are compactly collected in the article. Follow them, and after a short period of time your investment will definitely pay off, bring considerable profit and allow you to change your life for the better.
If such an investment seems risky to you, I’ll note this - in the current political and economic realities, any way of making a profit through investments is fraught with risk, but what is good about binary options trading is that everything depends solely on you. And you can earn money not only on the growth of assets, but also on their fall, which distinguishes binary options from all other types of investment. So that you can see how Viktor Samoilov does it and get acquainted with his work on a real trading account with real rates, a special video was filmed:
The beginning of my trading path was not too smooth, friends. Often I took too much risk, made trades when they should have been abandoned, and, at the same time, I was afraid to buy options when it really was worth doing. Maybe I would not have become a successful trader if not for Viktor Samoilov and his Pamm-Trade project. He shared with me his methods of getting rid of unnecessary risk, which he subsequently outlined in the material. Since then, the question of where to invest money in 2016, so as not to lose it, expert advice and my personal advice - invest wisely. You should not succumb to a false trend and chase brands, it all comes and goes. If you have finances, work with them and get even more.
Break the available free money into several parts, invest one half in long-term projects - invest it in stocks, metals, pamm - accounts or mutual funds, at your discretion. Such investments allow you to make a profit without personally dealing with them. Try to use the other half to develop your own skills in binary options trading, even if, perhaps, not everything will work out right away. I will even say this - no one succeeds right away. For example, it took me about a year to gain confidence in my work. Some people need more time, some less, but it is necessary. The fact is that it is necessary to work out the strategy, to identify strengths of your personality, which should be emphasized, decide on the timeframe on which you are more comfortable working. Let me say a few words about the latter. It can be quite difficult for a beginner to figure out what time to choose to conclude a deal, and which chart is better to use for this.
The timeframe (transaction time) from one minute to fifteen for options is considered short-term, its advantage is that a large number of transactions can be made during the trading day. For me, the advantage of this timeframe is also a small level of stress - you don’t have to wait long for what the deal will lead to. It also has disadvantages - the financial market, in addition to its main waves and movements, is also subject to small ripples, market noise. It represents fluctuations in the chart of a market asset in a small range. This noise can cause some inconvenience, and it takes a long time to get used to it.
On timeframes longer than 15 minutes, the market noise is not so noticeable, and the longer the trade time you choose, the easier it will be to predict and recognize the market movement. Why? Support and resistance zones on them work much more clearly, and tracking them is the first priority for every successful trader. A strategy based on this is described in the article "".
Let's take a look at which charts should be considered for working with each timeframe. This applies to standard strategies based on working with indicators.
I think you understand the general trend? From the purchase of an option to the completion of the transaction, 5-6 candles should close on the chart. The purchase of options for a period of three hours is analyzed on the 30M chart, and so on. The longer the expiration time for a trade, the fewer trades you can make per trading day, but the lower the risk of making a trade. At the beginning of your work on the foreign exchange market, do not rush to make as many transactions as possible, Viktor Samoilov does not advise beginners to exceed the limit of three or four transactions per day, and you should listen to his advice.
Victor Samoilov:
“Listen, Oleg, you are very good at doing market analysis and risk management. Therefore, working with options where can bring you the proper income for many years, but you do not need to keep all your eggs in one basket. Try yourself in different areas! Over time, apart from active income, coming from options, there will also be passive income, which will come from several sources. And you don't have to spend any time or energy on it. Moreover, unlike me at one time, nothing drives you (you can learn about how not just the head of this portal came to the world of finance from the article “ "). Therefore, try to learn everything about related areas with currency trading, pay attention to futures. (What are futures you can learn from the article " "). And if suddenly you need my direct advice, you can contact. I think that using futures wisely, you can significantly increase the profitability of your work.”
Victor often personally checks the material published on the portal, but he has a certain "fad" about direct recommendations. Before becoming a successful trader, he himself had to go through a certain school of survival. He firmly believes that any person who is successful in trading has made a difficult climb to the top and burned himself more than a dozen times. This is the only way to get the proper psychological experience, which allows the trader to withstand the moral overload of the trading day. In general, now I am actively involved in futures contracts, and this brings me sufficient profit.
I think that today you received a fairly detailed answer to the question, “where to invest money in 2016 so as not to lose?”, You listened to expert advice, and we also analyzed many investment methods in this regard. I will not specifically indicate where, what I consider the best object for investing this year. If you want your money not to decrease in the future, feel free to choose a few of those presented by me and do not forget about the opportunity to work independently in the financial markets. I wish you more profitable transactions and successful investments, friends!
Hello, dear readers of the financial magazine site! Today we will try to reveal the question "Where to invest money." After all, the difficult economic situation in the country's economy makes you constantly worry about your own financial resources.
Therefore, we constantly face many questions, first, where to invest money, to keep and not lose, then where to invest, to earn, to receive monthly income etc.
Detailed instructions: where to invest money so that they work and bring monthly income
If there is even a small amount of accumulated capital, then there is a real fear of losing it. That is why we try to be more literate in matters of investing money, exploring various profitable investment opportunities.
Of course, many of us are far from politics, big economy and state management methods, but this does not deprive us of the opportunity to study the experience of successful people, look at expert advice, determining the best way to invest money to earn income. Such a detailed review of the situation will help determine the most profitable area of investment money at the moment.
From this article you will learn:
Investment rules
So all the same, how to invest money so as not to lose it and what needs to be done to make it work and generate income? On our site we present the site 5 rules of investing to be taken as a basis. They will be kind to you" table book”, which will help you make the most correct actions to save and save money.
These rules have been developed through experience gained and have been proving their effectiveness for many years.
This is the first rule, which says that you can invest (invest) only those cash, which are available after the fulfillment of all basic obligations and needs, that is, we are talking about those not taken on credit / debt, etc.
Never take money to invest on credit or duty. It should be understood that subsequently an unsuccessful investment can lead to bankruptcy and limit the ability to return funds at the appointed time.
Moreover, miscalculated economic budget own family will cause additional difficulties for you. After all, sometimes emerging domestic problems require an urgent solution.
Remember that private loans, credit debts can not only rewrite your good story, but also spoil the relationship with close relatives, obligations to which will remain unfulfilled.
But if you still decide to use a loan, then our article is about how, even with a bad credit history- to help you.
When investing your own money, it is important to realize that you can only count on the money that you manage to earn in the usual way, without resorting to the results of investments. About where you can earn money without investments, we already wrote in the article.
Divide these income items into 2 parts, one of which constantly increases capital, remaining intact, and the second ensures personal existence and is replenished monthly from stable sources.
Make it up in advance, defining clear parameters. Consider all your possibilities and ways, try to choose 2-3 types of investment. At the same time, it is important to understand that the actions you have planned can be adjusted taking into account the changing economic situation in the country. That is, the built investment plan should be flexible and relevant.
Try to make sure that all available funds are not invested in one single project (investment method). The greatest efficiency will be the investment of funds in several projects. Even if in some area it will not be possible to achieve a profit (there will be a loss), then other types of investment will correct the situation.
This rule says that the money earned should form and increase your capital. Many experts advise to quickly withdraw the money earned from investing in other investment objects.
Form your own investment portfolio and look for new most profitable sources of investment.
Try to be interested in the movement of your own funds and assets as often as possible, paying attention to even minor nuances. This will avoid a lot of mistakes and problems, and will also allow you to make the right decisions on investing your money.
In addition, you should be very careful with dubious and super profitable investment proposals. Carefully check all possible information on these types of investments.
It should not be forgotten that cases fraud have become much more frequent and it is not always possible to immediately determine the veracity of the intentions of the company / person.
Find out about the company that plans to work with you. Look through various reviews on the Internet and learn from the experience of other people who have a history of investing in it.
Try to make preliminary calculations, pay attention to the totals. Too fast and high profit should alert you.
By remembering these simple rules, it will be easier for you to navigate your own capabilities. It should be understood that only a thorough study of the situation and the proposals received will help you become a more competent investor.
We are accustomed to trust the words of our friends, parents, relatives, but the situation changes daily and yesterday's profitable deposits may turn into a risk of loss today. That is why you should count on your financial literacy .
According to experts, the income we receive monthly must be divided by 3 parts:
As you can see from the diagram, there is little money left for investment, but it is they who are able to increase many times with the right approach.
Even if a situation has happened in which a very profitable project has fallen into your hands, and there are not enough own funds for it, try to find other investors / co-investors. By joining forces, you will create a common fund, which in financial language is called pool, thereby giving a start to the business itself to receive higher interest.
These situations are not rare and people very often seek to find like-minded people who have a cash reserve. The general idea is able to give an incentive, and the raised capital is a good return.
Sometimes it seems that the very word " Investment"implies a large financial amount that is difficult to immediately find. (Our article "" to help you). That is why we try to put banknotes in a box, keeping them at home until better times.
In fact, this position unfaithful , because any free money should work for you, attracting new financial resources. If we talk about such a method as preserving and increasing capital with the help of a bank deposit, then the initial amount of investments can be 1000 rubles.
It's just important to choose the right bank deposit and the terms of its use. Read about what happens in a separate publication of our magazine.
Yes, buying currency, precious metals, art objects, and even more so own business will require a larger amount from you. But here, too, there is a way in which you can gradually collect the missing finances.
Firstly , teach yourself to save. Try to shop the right way, creating your own benefit. We recommend reading the article - + expert advice "
And secondly set aside monthly10 % from the income received preservation. Thus, you will create a clear structure for the distribution of funds and in a few months you will come to the intended result.
Profitable ways to invest money so as not to lose, save and earn
Let's try to consider the most relevant options for investing your own money, determining their advantages and disadvantages.
This is the most common way that is available to anyone who wants to invest their money. Its whole essence is that an agreement is concluded, on the basis of which all the funds you deposit are not only kept for a certain time, but also multiplied according to the specified rate.
The investor (depositor) acquires confidence in that he will receive income, the amount of which can be calculated in advance. This method of working with money is beneficial for both parties.
Method of investing money No. 1 - deposit
You replenishing the deposit, you work to increase it, and bank, taking money, conducts a lot of operations that give him their benefits.
So, your contribution is under 10% is given for a loan with debt obligations to another client in 20 % and, exactly one year later, the returned money will make a significant difference (income) to this institution.
You can choose the most optimal deposit for yourself either on your own or with the help of a consultant who always focuses on the offers that are relevant in a given period.
Another significant advantage this method can be called deposit insurance introduced recently in connection with the regular bankruptcy credit organizations. Your contribution is now 1,400,000 rubles subject to compulsory insurance, and hence the return in any case by the state.
That is, if your investment amount exceeds this specified threshold, then you can split the money using the services of several banks.
Despite these positive aspects, there are also significant minuses . So, initially, for invested funds, the smallest percentage of all investment methods is set and can be from 0.1% to 9%, which varies depending on the terms of the proposal.
In addition, the unstable financial situation in the country leads to constant depreciation of funds(inflation). But, even in this case, your small profit will allow you to avoid significant losses, keeping your capital at the same level.
Deciding for yourself which bank is better to invest your money in and where to open Bank deposit(deposit account), we recommend that you familiarize yourself with the TOP- 5 banks of the country, paying attention to the reliability rating of these banks.
The bank is more reliable if the main shareholder (controlling stake) is the state. It is unlikely that the state will be interested in the bankruptcy of its own banks.
Reliable banks include for example, such giants of the banking sector as Sberbank, VTB, Rosselkhozbank and some others.
So, the TOP 5 banks in which you can safely invest money at interest:
The reliability rating of banks changes slightly over time. But the first 3 (three) jar are almost always in their places, as it is big banks with state financial support, that is, reliability in fact high level in the country. Here you can choose a deposit with replenishment, capitalization of interest, as well as prolongation. About that, you can read in one of our publications.
People who are somewhat familiar with stock exchange , shares, bonds and work with securities prefer to invest in shares investment funds(mutual funds).
In fact, this combination only sounds complicated, but it has a simple basis. It represents collective investment of funds and their further management. All money is collected in a common fund, and then, with the help of a professional manager, is directed to the chosen method of use.
The principle of operation of mutual funds
AT most in our own way, we ourselves very rarely have real information related to economic indicators even the most successful organization. Therefore, the ability to acquire any security is enough, but to manage it competently is not.
Important! By investing money in mutual funds, we get the opportunity to acquire those stock, bonds, gold or currency, which have fallen slightly in price, but are able to gain their positions in the future, determining good growth and a significant share of profits.
To achieve this ideal situation, specialists in investment funds must have an excellent understanding of the economy, not only at the level of their country, but also in general, in the world. It is important to master the basics technical and fundamental analysis, view news feeds and be able to properly respond to constant changes.
It is very difficult for an ordinary consumer to obtain a complex of such knowledge, and even more so to actively dispose of it, therefore, there is a need for the services of a specialist. This is the essence of investing in mutual funds.. You give your free money to managers who have vast experience and good statistics.
Thereby, advantage investment fund is that at any stage you are provided with maximum support and various options for investing funds from which you can choose the most optimal.
There is no need to immediately immerse yourself in all the subtleties and nuances, study daily methods, it is enough to entrust your funds correctly. In addition, you can gradually thoroughly delve into the ongoing actions, acquiring on your own additional shares the same organization.
It should be understood that any activity management company is subject to constant control by the state, and this is already confidence for you in honest cooperation.
It is precisely such tough measures in the legal field, legal matters provide protection for our investment rights as shareholders.
For the most part, a company that values \u200b\u200bits reputation allows only trusted employees with a special certificate to manage the attracted contributions. It is also important that the amount of your initial investment is practically unlimited. It can start from 1000 rubles.
All available capital can be distributed initially between several mutual funds, which will allow you to create your own portfolio, limiting your share risks.
Logically, the situation turns this way: if even one investment fund puts your money at risk and brings you lesion , then the other will help restore the lost amount and, most likely, will provide income .
Even if the fund is recognized bankrupt , then your property invested in this investment will be prohibited from bidding by law. If necessary, you can always request the results of an independent audit, which is carried out daily. So, with the help of the registrar, the fund's own rights to invested shares and all property are recorded. And annually, the company's accounting is subject to audit.
Negative side such a method can be called your own indiscretion, when a young untested specialist, taking up a case, “letes you down” and your expectations.
It is quite difficult to check its actions in advance, so there is a risk of losing accumulated money.
The only right decision you may want to learn a lot more about the mutual fund you plan to invest in. Try to analyze the situation, look for reviews, read forums, insure yourself.
Investment method number 3. Purchase of real estate (office, residential, etc.)
This method has always been the most effective for investing money. It should be understood that the acquired property (apartment, etc.) almost never loses its price. We have already told how profitable it is to buy an apartment and, in a separate article.
Over the next few years, its value will gradually increase. Sometimes this happens in sharp jumps, often just a systematic increase, but it always gives its owner the opportunity to be in plus . In more detail about, as well as the pros and cons of this method of investing, we wrote the previous material.
In addition, the purchased option can always be rent out, and this is already a way of passive income, which leads to further accumulation. Experts have noticed that in order to invest it is best to purchase simple rooms or one-room small apartments.
The rented premises of two such objects are several times more expensive than one area consisting of 2 rooms.
Also, a small quadrature is easier to repair, giving it a presentable look, and furnish it with your own furniture. If we use the language of numbers, then renting the purchased room will bring us 10-20% per annum which maximizes return on investment 6-8 years old, and after that the period of receipt of net profit will begin.
And here's the rent whole apartment brings only 5-7% per annum and this is a longer period for the return of their funds. In addition, the existing method of renting housing by the day provides the most favorable prospects, but entails the need for constant work on search for residents and repair which will become more frequent.
You will need to provide not only the most Better conditions, but also the prestige of the location of the room in the area. Investing your own money in housing has mass benefits . This is stability, and the possibility of further residence and return of invested money at any convenient time.
It is worth understanding that sell property you can always. (For information on how to do this quickly, read the article -?). Moreover, you can easily give your square meters hand over them by inheritance or bequeath a specific person.
disadvantage In this way, it is necessary to consider the high cost of the object and the difficulties in making a transaction. So it is not always easy to collect the amount from 500 000 rubles, and even a loan taken from a bank imposes a lot of obligations on you. But having money on hand is not a guarantee of a successful result.
AT modern world there are many schemes used scammers when selling a home. And your initial conviction may later turn out to be a deception.
Therefore, vigilance is very important when searching for premises, checking documents and working with lawyers.
The purchase of gold has become a very common way of investing. It is purchased in special ingots and, as a rule, kept in the same banks, creating a special account.
Over time, prices for this instrument may, as grow, and fall, but for the most part they provide the owner of the precious metal with profit. It is not difficult to buy it even on the day of the application itself.
If the transaction occurs in an impersonal form, then VAT in fact sales or purchases do not receive . But the formation of metal into an ingot involves tax payment value added in the amount 18% (VAT).
In addition to gold, actively sold silver, palladium and platinum. In fact, the entire income of the depositor is formed due to the growth in the cost of precious metals in world markets. If necessary, accounts can be replenished in the monetary equivalent of the value of this investment instrument.
Closing the contract, according to its terms, the bank has the right to give you not only financial resources, taking into account the increase in the amount, but also the bars themselves. By the way, very often prematurely closed accounts do not entail the payment of accrued interest.
Advantages of this method is that it protects savings from inflation, protects the owner in case of any unstable economic or political situations in the country. In addition, here is high liquidity use, that is quick transfer into cash, as well as a stable increase in the cost of them.
From shortcomings can be called the need to create special storage conditions, purchase and sale produced only through banking system, and the increase in capital gains is slow.
In addition, when working with this method, you must follow a few basic rules.
First, the acquisition of precious metals is important to carry out in the most favorable period. Try to identify the underlying price decline.
Secondly It should be understood that such investments pay off only in the long run.
AND, thirdly, when starting the main actions, try to study the market in advance, understand the peculiarities of the extraction and consumption of each metal, and also analyze the forecasts of experts.
Getting gold gradually depletes its reserves, which allows you to make the price more expensive after a time period.
Investment method number 5. Business creation and development
Creating and developing your own business, as well as acquiring already finished project involves special risks in the initial stages. In general, of course, the sphere of investing money is considered profitable, but it can be very difficult to achieve such a result. About that, we already wrote in our issue, which provides detailed instructions on how to open, what to look for, as well as popular business ideas as examples.
Important not only initially correctly calculate the amount of investments, staff availability, purchase of goods and other items of expenditure, but also take into account the rent of the premises, the traffic of the planned place, and even the cost of the average check, which gives reason to talk about the profitability of the event.
In addition, there are a number of factors that can disrupt the original plans. it presence of competitors, not a good relationship with suppliers, equipment upgrade, changes in Russian legislation , and much more.
advantage such investment can be considered the possibility of joint ownership of the business, collegial management of it and the search for a niche poorly occupied by competitors.
Under such conditions, as well as competent business management, you can not only receive a good income, but also be sure of its constancy.
Negative side this method is called the absence 100% guaranteed. Your invested funds may, in the end, not only not return, but also impose special obligations to eliminate debts resulting from activities.
Any area of business requires special attention, constant work and personal dedication. You will either have to constantly monitor the course of affairs with the money invested, or independently participate in them, achieving positive results.
In more detail and in detail about, we wrote in our past material.
Investing in such instruments becomes profitable in the long run. The main types in your portfolio can be called stock, bonds and Eurobonds.
Way of investing money №6. Purchase of securities (stocks, bonds, etc.)
Let's take a look at each purchase in more detail.
So " stock"- This is a security that makes it possible to confirm your right to a share in the capital of the company. It allows not only to receive dividends, but also to participate in the management of the enterprise itself.
Main advantage such an acquisition can be considered a huge profit based on the increase in its price. The whole scheme of storage and control of such papers is now in in electronic format and therefore very convenient to use.
Also, when working with securities, many companies open their controlled companies in offshore zones (“offshores”). we have already written in our previous issues.
negative moment experts call the high risk of storing these tools. Such an acquisition is done at your own risk. No one gives good guarantees of the success of such an event.
"Bonds" their owners increase capital gradually. Its growth is slow, but it makes it possible to become stable. In the general portfolio of securities, they are most likely acquired for diversification, that is, expanding the range.
They reduce risk and are suitable for those users who can expect a long period of adding initial funds.
"Eurobonds" issued most often by corporations and the government in denomination foreign exchange. The initial rate for their acquisition is 1000 dollars.
Main advantage of this method of investment lies in the cost difference between currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.
Flaw of this method is that it is very difficult to choose the right stock or bonds into your portfolio. You will have to resort to the opinion of professionals and experts.
Only they, understanding the real economic situation of our country, as well as understanding all the nuances of working in this area, are able to advise and choose the most optimal solution for you.
Another method that is now the most widely used. This is a method in which money is provided to the borrower for special conditions. It is important to draw up a contract correctly, evaluate everything risks and losses, to study the personal data of the person with whom you have to work.
Your advantage is high yield. Provision of credit obligations from one individual to another for short term allows you to get up to 50% per annum. But the disadvantages of this method are also serious.
There is a possibility of non-repayment of borrowed funds. Even a very thorough search for borrowers does not guarantee their honesty.
This method of investment can be carried out both with the help of banks ( banking institutions, branches, etc.), and attracting brokerage companies for trading in foreign exchange Forex market. One of the best brokers is " ForexClub".
If a In the first case you just need to provide a document proving your identity, then in the second- a special agreement is signed, which initially may carry additional risks. In one of the articles in our magazine, you can find out what and what you need to pay attention to when.
That is why it is important to choose the right specialists with significant experience in this field of work. The most popular currencies today are: American dollar, Euro, Japanese yen, Swiss frank, and English pound sterling.
Key Benefits This method can be called some points.
Firstly , the increase in profit is achieved in 100% and more, which allows you to increase initial capital enriched daily.
Secondly If you know the dynamics of the growth of the exchange rate, then it becomes possible to protect yourself from inflation. You can independently choose a currency, determine its changes and predict further consequences.
Thirdly , the purchase for you is not limited in time. This process can be scheduled for any period of personal free time.
AND, fourthly By providing constant access to the Internet, you are independently able to control the situation, monitor course changes, and determine the effectiveness of your further actions.
Flaw with these advantages, only one is the unpredictability of the currency. In order to make the right decision, you need to carefully monitor the changes, be able to correctly predict the behavior of quotes and try to bet on various types of funds.
Yes, experts advise to instantly increase your starting capital, make an investment in dollar or Euro.(In the near future we wrote in the last issue, which provides advice and expert opinions).
If it's a priority for you safety of funds despite the difficult political environment, turn your attention to pounds or Swiss frank.
Of course, their purchase is a more expensive business, but this operation gives stability, because their position is more stable in the foreign exchange market.
☝ It has also been growing in popularity lately. We covered them in detail in our last issue.
This is one of the stable ways not only save your funds, but also increase them significantly. To do this, it is important not only to really understand art, but also to attend special events, selecting your future buyers.
This method has both a lot of advantages and disadvantages. As you know, the art market has existed for quite a long time and everyone can become a participant, regardless of gender, age, and even religious prejudices.
The first and significant a plus work with masterpieces is very simple purchase procedure works. There are no special formalities, licensing, special checks. The investor selects a future acquisition from the catalog or by visiting the gallery itself. He is called the price of the canvas he likes according to the established price list.
If necessary, an expert is involved to confirm the authenticity of the work. Such a specialist can be provided both by the organization itself and from the circle of personal preference. The work you like is carried out by a purchase operation and given to the investor in his hands.
By the way, it is believed that investing in such sources becomes the most profitable in periods of crisis, wars or extreme situations. This is a kind of capital protection, providing further profit.
But against the background of these advantages, one can distinguish a number of shortcomings . Let's start with the fact that this market has low liquidity. Auctions are held with frequency 1-2 once a year, and the sale itself may take 6 to 18 months.
In addition, the availability of buyers who are able to pay you the required amount is very limited and it is important to convince them of the importance of the acquisition. Many lending institutions refuse loans to their clients, even if they are trying to secure them with the same art objects as collateral.
No work unable to bring to its owner intermediate income, such as renting an apartment or buying shares, but the costs can be significant. The owner needs to ensure not only the correct storage conditions, but also insurance, security, delivery.
In addition, sometimes it happens that the period of price increase is replaced by its stability and waiting for a long time the owner may just make a small profit. Even at well-known auctions and auctions does not exist 100% counterfeit protection. Often, the staff of experts there is very limited and it is not physically possible to check all works of art purely physically.
Many experts advise taking this method of investing capital very seriously. Try to make the most of your possible methods verification of works for authenticity, involve those employees who will give a guaranteed result.
It should be understood that only the canvas that has not been put up for sale for a long time and spent it in one collection has a serious chance of increasing its value.
With the development of modern technologies, this direction is becoming more and more popular.
Way to invest money #10. Investing in Internet projects
At its core, it has 2 areas, which may be of interest to both a novice investor and an already experienced specialist.
Firstly, the World Wide Web allows you to create innovative web resources that are regarded as startup. By the way, we wrote in our last article.
Secondly, you can invest in creating your own website, which will become the foundation of your business and begin to bring additional funds on a regular basis.
AND, third, financing those projects that seem most profitable to you.
Let's take a closer look at each direction in order to understand how profitable it can become later.
In the first case you will need come up with an original idea, which will be able to interest the future buyer with its profitability. Having worked it out more carefully, it is important to understand even the smallest details.
Further, specialists are involved who are able to bring the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed according to which this business project is actually carried out and tested.
Your investment is returned back with a return . The amount of profit received on hand depends entirely on the degree of development of the created Internet site and its attractiveness for future owners.
Second case has a more common onset and is beneficial for a number of reasons. You can create your own business on the Internet, even with a small capital.
You save on retail space, warehouses, staff, but you have the opportunity to access a wide range of users and implement at a convenient time.
Investments in this type of activity less risky than creating a business in reality. But the development of such a direction and the multiplication of initial financial sources completely depends on your employment, interest and intentions.
Third way attachments funds through the space of the world wide web is also associated with doing business, only by people who are able to prove the effectiveness of their start. There are many platforms where people post their projects with a specific description of the cost and level of profit.
They offer you to invest in it, promising a certain share of shares, on which you can later receive income or raise money for their sale. Registration of such obligations takes place by a special type of contract worked out by specialists.
Investing in Internet projects- this is the direction that should be studied especially carefully, because it is impossible to predict the result in advance. Of course, there are risks here.
And perhaps disadvantage such a method can be called unpredictability. The experts calculated that 10 offers put forward for consideration only 4 capable of becoming profitable .
This is the fastest way to make a profit on your investment. It is based on two components: risk taking and clear detailed study economic situation.
Method number 11. Investing in binary options
Your task is to provide a correct prediction for the price of the asset being used. For example, it is most convenient for a person to work with stocks. By purchasing an option on them, he is betting that, for example, exactly in a day their value will become much higher than indicated at the moment.
After the specified time, the result is evaluated. In the case when the assumptions are confirmed, the amount of profit will fluctuate from 65-85% . This is a significant increase in invested capital.
But do not forget that you may not guess. Exactly then is lost 80-100% rates. We have already written in detail about options in our issue - “What is and real reviews newbies."
At first glance, it may seem that generating income in this way - just a game of chance. Actually it is not. It is worth going a little deeper into the created system, and you will begin to make predictions more correct, and this, as a result, increases the chances of a favorable outcome of the bet.
Investing in binary options, it is worth considering that they have a mass benefits.
Firstly , those trading instruments that will be offered to you have a wide range and provide the right to a huge choice. So anyone, even a novice contributor, can work both with standard currency pairs, and precious metals, shares of various companies, oil and other assets.
Secondly , your level arrived and possible risk predetermined. In general, you can calculate in advance how much you can get as a result of a positive outcome of the case and what you can lose if the situation is not resolved correctly.
Some trading platforms offer their consumers to independently set the percentage of the future outcome.
For example, by setting the numbers 80/70 , you lose 80% of the bet without guessing it, or gain 70% of the initial capital.
Thirdly , any interested investor is always provided with easy access at any time of the day. That is, there is no need to download and install additional programs, pass levels of control or somehow confirm their individuality.
It is enough to get to the official website of the trading platform and you can track the results, make new bets, and analyze the situation. In addition, all trading continues every minute, without breaks on weekends, holidays or at night. Thus, your desire to start earning on the money invested can come true at any second, you just need to find free time.
AND, fourthly , the trading interface is designed in such a way that even the most uninitiated beginner will understand on an intuitive level. All intermediate price fluctuations of the instrument you have chosen are removed, giving only the final result for the time you set.
There are 2 main principles here: CALL UP - a deal to buy (profit from rising prices) and PUT DOWN - a deal to sell (income when the price falls). Despite such a number of advantages described, it is worth understanding that binary options, like any other type of capital investment, they can have some disadvantages.
Let's list some of them. So, the only failure you made is capable of taking away up to 90% invested capital. And this is sometimes a very significant amount, and in order to return it back it takes about 3-4 successful transactions.
In addition, it is not allowed here in advance break deals or refuse them. Even if you understand the fallacy of your actions, and the worsening forecast constantly confirms your guesses, then you can only hope for a miracle, waiting for the final result.
Also, the program itself assumes the absence of credit obligations. That is, you can invest only free funds that you have available. On the one hand, this is even good, because, as a rule, a novice investor enters into passion and is able to spend more than he intended from the very beginning.
But, on the other hand, there are some types of transactions or the stability of the economic situation, when a positive result can be predicted in advance, and this can lead to significant earnings.
Only at this moment there is very little money in your account. Working with binary options is capable of not only save invested funds, but also increase them significantly, one has only to correctly understand the situation and study in more detail the scheme of work with each tool.
This is another way to manage your finances, which allows you to entrust personal savings to a specialist. In more detail about how to open and choose a PAMM account for investment, we told in one of our articles.
Investment method No. 12. Investing in PAMM - accounts
It is worth immediately understanding what is the difference between a mutual fund ( mutual fund) and PAMM account.
If in the first case the manager has full access to your funds and can dispose of them at his own discretion, without being liable even in case of losses, then the second option assumes only the presence of a deposit, which can only be handled by concerted actions.
PAMM account is intended for trading, making deals, but only in a technological way. Moreover, all funds provided for investment on this account can not only be checked at any time, but also the actions of the manager can be stopped at any time.
Key Benefits money contributions in this way are:
This is another way to invest money. It is considered very beneficial in the sense that even the smallest knowledge gained while attending courses can become a serious platform for a further start.
In general, this type of investment has 3 main directions.
Even if it seems in their 18 years, you do not have problems in this area, be sure that they will appear without due attention to you. And how well you take care of him now, depends on your condition in adulthood.
This is a constant work on yourself. In order to be properly perceived, you need to follow cleanliness of clothes, own fragrances, skin, nails and hair.
Of course, there is no need to constantly visit expensive salons and spend all the money on procedures, but it is also useless to make appointments when the external image looks like a fat, greasy cat.
Try to join the sport in order to have a beautiful figure and a toned stomach, watch your hairdo, and even more so unpainted hair roots, sign up for manicure and pedicure procedures.
Timely monitor the condition of the skin and at least purchase the necessary creams to help fight wrinkles, pay attention to your wardrobe. Try to select for him things of good quality in a strict business style. Don't forget to wash and iron your clothes on time.
The fulfillment of the first two main points entails further personal growth. Now it is important to read books of various kinds, drawing something important for yourself.
Make it a habit to read daily at least 50 pages . Sign up for useful courses, trainings, visit presentations (for example, such as - "", etc.) try to communicate with new interesting people.
If you have the opportunity to watch a training video, use it. Schedule a trip to another country or city, choose excursions with which you can study history, various types of architecture.
Believe me, there is nothing educational in visiting a beach or a bar. It's also good to get into museum , theatre , movie ,Botanical Garden or even zoo .
Invest in yourself - this is knowledge, experience, skills, ability to apply the whole range of acquired skills in practice at the right time for you. After all, it was not in vain that wise people said: “Knowledge is not to be carried behind your shoulders, and you never know what information will be useful to you today.”
We wrote above about where you can invest money with a guarantee, so we also suggest that you familiarize yourself with the principles of investing.
Basic principles of investing money at a high interest rate with a guarantee of income
Imagine a situation in which the market, which has become so familiar to you, simply closed and it was decided to resume its activities only after a few years. Where would the money be invested?
Try to think ahead without resorting to daily quotes, the mood of other investors, fluctuations in commodity prices and finished products. So, for example, take the purchase of shares of a well-known company " Coca Cola". Even at the time of its conquest of the market, they cost $40.
The increase in the price of sugar in those years caused the value of the security to fall to its minimum. A rush was created in which they were sold almost for next to nothing, but today we understand how profitable these purchases became then. Agree that this is a great example of where you can invest money to earn. Such a prospect can be offered to you by shares of another company, buying gold , antiques and even apartments .
Before you give away even a small amount of your hard-earned savings, try to make an in-depth analysis of the chosen method. Talk to those who already work in this field, consider their experience. This principle applies in particular to areas such as mutual funds, work in the stock markets, PAMM accounts.
It is not enough to just have information, even if it is collected very carefully, it is important to be able to cut off everything unnecessary and look at the future perspective.
Try not to succumb to the forcing opinion from the outside, develop your character by determining your outcome and the result of investments.
Sometimes it happens that work in one direction ceases to be profitable, and there can be many reasons for this.
Consider other options, look for more promising investments, learn to close unnecessary pages.
Making investment transactions in the modern world, we rely mainly on the help of the Internet. It seems and more efficient and faster. But such a position is initially wrong. It is important to understand in subtleties and nuances, determine the outcome of the case and only then make a decision.
After all, the question of where to invest money at a high percentage with a guarantee requires taking into account all the outcomes of the event (from getting big losses to getting a decent income).
It should be understood that even against the backdrop of a difficult economic situation in the country, there are companies that give good performance and develop very steadily. The task of the investor is to find access to its shares and get them for the success of their business.
This principle of investing lies in the fact that even if you are very lucky today, you should not stop there, withdrawing all the money to buy expensive things.
Continue your work, look for new sources, tools, ways, collect your portfolio. Only this way of action will lead to a stable positive result.
Where to invest money in order to receive income every month, we wrote above, so we suggest that you also read the advice of experts who have experience in investing.
Since earning our money, we try to not only save, but also multiply, and in a crisis, lack of stability and a difficult economic situation in the country, there is a feeling of fear, accompanied by a sense of loss.
So, expert advice on where to invest money in order to earn and not lose it:
From the total amount of capital, separate 30% and give yourself a guarantee that they will invested without loss. In this way, experts believe Bank deposit, purchase of art objects, purchase of gold bars, precious metals and real estate.
The main essence of the advice is that with any further arrangement of affairs, you will be able to save the starting amount, and if possible, you will also earn on it.
If this is your principle, pay attention to the purchase of stocks or bonds, and indeed securities.
By the way, even buying your own square meters, then rented out, will also allow you to receive a monthly income. You can read more in our article - - ideas and sources of passive income "
It is important to understand that keeping all the money in a single project is very inefficient, diversify your investments. That is why, having ensured stability, try to find a profitable business area or become a co-investor in a business that, in your opinion, will be very profitable.
For economical and frugal people, this way of investing capital should become the most extreme, because in fact it is associated with big risks . Your appeal to mutual funds or PAMM accounts, and even more so binary options, will allow you to instantly receive income, and endanger the entire initial capital.
Before you invest your money, you need to carefully and scrupulously study the object of investment. Make sure that the expected return is correct, you may be offered to invest in an object with a questionable return.
Despite many warnings and a huge amount of information on the Internet, people who want to invest their own money make a number of mistakes that lead to an undesirable result.
The very first and most important the moment is that newcomers give their finances at random, agreeing with the arguments of acquaintances, relatives and even third-party representatives of the worldwide network. Of course, the probability of receiving income still remains, but it reduced to a minimum.
Second mistake can be called an emotional state. There are frequent cases when, inspired by the example of a friend, a person tries to imitate his behavior, repeating each step of investing, but without a clear calculation and pre-planned prospects, instead of increasing funds, we get them loss .
Another wrong move considered to be in a hurry. People are in a hurry in choosing an investment tool, as well as in the desire to take the first results. As everyone knows, profits don't grow on trees. That is why it must be expected. Give yourself time to understand the subtleties and subjects, learn to act systematically.
Real examples of investing money for profit - ways to invest from 100-500 thousand rubles to 1000,000 to earn
Even the smallest earned capital is already becoming an object of further reflection. It is, as it were, a small door that opens the way for you into the world of big investment.
So, let's consider it profitable, starting with a small amount of 5000 rubles and ending 1 million.
Many people who do not have large amounts of money should not be afraid of losing them. Well, if they nevertheless had the opportunity to collect financial savings, then a difficult question arises for them - what options exist to ensure the safety of the available funds, and their further increase. In this case, you need to constantly monitor financial situation in the country. Otherwise, you can instantly lose all your savings. To prevent such trouble from happening to you, you need to think in advance about creating a cash flow that would constantly bring you profit. Today in this article we will talk about where to invest in 2016 in Russia. Here we will try to find out the opinion of experts and competent ways to invest money.
People have not yet recovered from the crisis that happened on financial market. It is worth recalling that this situation happened for the first time in 2008. However, in our country, this situation repeated itself and began to create an increase in negative trends in the economy. Investment flows began to fall sharply, production declined, household incomes fell sharply, and inflation is growing at a tremendous speed.
At the beginning of 2012, there was a slight slowdown in the growth of the Russian economy, and in subsequent 2013 and 2014 it completely stopped. And 2015 brought very low gross domestic product figures. This is an existing trend. And there are still few reasons to change it in 2016. Forecasts are being made, according to which in the coming 3-4 years gross product will grow by only 2-3%. And this trend will develop in the most prosperous developing situation in the country. The last period of 2015 brought a sharp decline in oil prices, which, in turn, affected the devaluation of the ruble. Despite this, the exchange rate of the ruble is unstable, and oil prices cannot constantly decline: commodity markets have their own cycles, so growth is inevitable. Unfortunately no one knows when this will happen. It should be said that this may not happen soon, and it is necessary to start investing your own financial resources immediately. Therefore, below it is necessary to list all existing methods investing money.
Let's talk in our article about where to invest in 2016 ordinary residents who have a supply of cash. To save and increase your money, you need to use bank deposit. Why is it worth doing this? It turns out that this method of saving money is the most reliable. Due to the current situation that occurred with the revocation of licenses from most banks in 2015, which continued at the beginning of 2016, the population began to treat these financial institutions with caution and apprehension. But investments in the amount of 1 million 400 thousand rubles are insured by our state, which is absolutely free for the depositor. Even if some trouble happens to the bank in which you have a deposit and it is declared bankrupt, your savings will not burn out.
Where should you invest your financial resources and be sure that they will be securely stored and will bring a stable income?
If you are faced with a choice in which bank you should open your deposit, then, of course, you need to choose those financial institutions that are backbone in our state and have state support. For example, it could be: Rosbank, VTB 24, Gazprombank, Alfa-Bank, Otkritie Bank.
If the deposit amount exceeds 1 million 400 thousand rubles, then the funds should be divided into several parts and invested in different banks. Increasing the volume of your financial investments in this situation, it may remain in question, for the reason that the interest rate in most of the banks is low and continues to decrease every day. If you pay attention to the fact that it is better not to make a deposit in the amount of 1 million 400 thousand rubles, then the best option for you would be to find a bank in which the rate is at least 11%. It is also necessary to pay attention to inflation, which in 2016 may exceed 10% (although its level is predicted in the region of 7-9%, but in fact it can be completely different indicators). If the interest rate on your deposit exceeds inflation, then this will usually be enough. But if we compare rates on deposits in ruble terms, with a change in its exchange rate against the dollar or euro, then 11% per annum in rubles will lose to a negative change in the ruble exchange rate by 25-40%. The most negative point is the fact that the ruble has devalued against world currencies.
There is another option for investing your money. As a rule, it is suitable for those who wish to place from 2 to 10 million rubles, and possibly more. In this case, the most reliable in investing finances are Federal Loan Bonds or OFZ for short. Since their guarantor is the state. And the yield of these securities is several times higher than inflation (approximately 10% per annum), and the cost of OFZ varies depending on inflation. If there is no strong rise in inflation (which is unlikely due to the fact that the Central Bank limits ruble liquidity very much), this will lead to a shortage of money in the economy. And does not allow inflation to accelerate. In this case, the OFZ cost will provide a yield exceeding 10% per annum, and will also increase the price of the securities themselves if inflation forecasts are positive. In this situation, you do not have to wait for repayment in order to receive your OFZ interest by selling them, and you will immediately gain the interest accumulated on these securities.
Eurobonds are one of the most profitable financial instruments for the investor. Coupon income is accrued on these securities every day, which is fixed at the time of their purchase. Thanks to investing in these securities, you can receive from 5 to 10% per annum in dollars or euros, depending on which element you have chosen. But those citizens who own a large fortune will be able to afford to buy Eurobonds, since the smallest lot will be 150-200 thousand dollars or euros.
If you are looking to find out where to invest money in 2016 to earn money, then you are on the right track. After all, our publication will fully answer this difficult question. Be extremely careful in 2016: after all, the level of well-being of citizens is constantly declining, due to a decline in income. Based on the crisis situation in our country, the population does not expect positive growth in the economy, and as a result, they begin to save their money, ceasing to make large purchases, which, of course, will negatively affect mortgages. In this case, the minimum number of issued mortgage loans can have a very strong impact on the real estate market, especially on the secondary, which in the past 2015 was not designed to support government programs. Based on this, instead of a profitable and reliable investment of your money, you can get assets that will turn out to be illiquid, and it will be difficult to sell them, and rental payments will be minimal, unlike interest on a deposit placed in a bank. In turn, the acquired property will constantly need its maintenance (payment of tax, payments for the provision utilities). But perhaps in the second quarter of the year, you will be able to purchase property for personal use.
At present, investing your funds in gold cannot be considered profitable, since starting from 2013, including 2015, the cost of this precious metal has dropped sharply. It must be said that gold was discounted mainly in dollars. Although in Russian currency the price of gold has risen significantly. But metals that are rare earth, including non-ferrous ones, are therefore considered more valuable, because their number is very small. Their prices will always be high. Your finances will easily and without much loss endure the crisis if you invest them in precious metals. These assets should be kept in a safe deposit box. Do not immediately purchase an ingot. It is better not to store these valuables at home, so you will have to take into account storage costs (for example, in a safe deposit box). You can open the CHI, i.e. depersonalized metal account. It is usually recalculated by the weight of the given metal. This option is more profitable due to the lack of VAT payment. But keep in mind that when opening such an account, insurance of your investments is not provided by the bank, and you will have to pay income tax on the income received. individuals. But the purchase of precious metals is different from the purchase of finished products from them. The cost of a gold ingot remains the same, and a product made of this metal also includes the work of a specialist. Its acquisition occurs at a high cost, and the sale is carried out at the price of scrap.
Due to the fact that there is a constant decrease in the value of the ruble, it is worth thinking about investing at least a small part of your money by converting it into foreign currency. In this case, you should choose the right moment, as the current exchange rate is quite high. Most economists are arguing about the future development of the exchange rate, but most of them agree that before the end of 2016 Russian ruble will lose ground if the price of oil does not rise. Well, if the opposite happens, and oil quotes rise, then the ruble will significantly strengthen against a basket of world currencies, as it happened a year ago (the exchange rate reached 55-68 rubles per dollar, and approximately 60-79 rubles per euro). This situation has created an excellent opportunity for both buying and selling this currency. There is also the possibility to issue currency deposit for a period of 1 year. In this case, it should be remembered that interest rates when opening such a deposit are significantly low in relation to the ruble deposit and for the most part will not be able to cover the rate of developing inflation. Together with a rather unfavorable exchange rate, this method will not give you the opportunity to increase your finances properly. But the chosen method will help save your deposit from devaluation.
Those people who, for some reason, do not want to invest their financial resources anywhere, but try to keep their accumulated savings at home, then we will give only one piece of advice. We recommend such people to convert money into foreign currency. And no matter what forecasts the Central Bank has, this currency is the most stable and reliable in relation to the Russian ruble. For greater confidence and stability, you can divide the available funds into three main parts and keep them in the three main currencies - dollars, euros and rubles. By the way, many rich people invest their savings in bank cells. There is an opinion that if the situation on the foreign exchange market deteriorates sharply in 2016, then a decision will be made to limit the circulation of foreign currency. Based on this, people who have large savings try to save them in a safe, usually in cash.
Trading the stock market can be an excellent income opportunity. But the risks in this case are quite high. You will need certain knowledge in this area and excellent own intuition. That category of people who have never worked in the stock market should not even take into account this option of earning. At present, when an unstable situation is developing on the market, it is not the time to learn this, much less to conduct experiments. This could result in the loss of all your savings. If you are trading in the stock market, then you need to constantly monitor the trend of the currency. For example, at the beginning of 2015, exporting companies, including the shares of Surgutneftegaz, grew significantly. Surely you should invest your money in 2016 by placing them in Russian shares famous companies. But in this situation, the risks are still huge, since it is impossible to guess for sure whether there will be a positive trend from this investment. One can only guess.
In practice, having your money managed by a professional trader is more profitable than trading on your own. The risks are much lower, and there will be no need to waste time looking for the investment you need. Professionals in this field will come to grips with this matter. But it is worth showing your skill in choosing a more reliable fund for your investments. You can also enter foreign stock markets. In 2013 and 14, the US had an excellent performance. Europe also provided positive dynamics. But Russia, to its great regret, did not surprise, alas, with anything. There is no stability, and economic growth has slowed down. Even such large oil companies how Rosneft and Gazprom significantly reduced their positive indicators. And this financial institution, as Sberbank, on the contrary, increased its growth dynamics. Surely, in 2016, people will invest their finances in the shares of exporting companies with a small foreign exchange debt, and vice versa, the shares of stores and companies involved in the provision of retail services will not show the proper profit. The point is to keep your own savings. To invest your financial resources in this situation, a structured product is suitable, with the help of which you can achieve almost complete risk reduction.
If the economy is in crisis, then it's time to start thinking about starting your own business, no matter how ridiculous it may sound. Money must be made to work, otherwise you will not receive any profit. Unfortunately, unemployment in our country is on the rise. This situation does not exclude the fact that there will be a reduction in the staff at the workplace. Economic crisis also led to the reduction of the main part of competitors in the market. But if you believe the practice, in our country there is a disagreement about this. The existing business, on the one hand, is the salvation and maintenance of the country's domestic economy, but for some reason our state is trying to "strangle" all the entrepreneurial undertakings of future businessmen. For example, in the EU countries, future entrepreneurs are provided with a wide range of benefits, even tax ones. But in Russia, unfortunately, many newly opened companies suffer losses and, in most cases, declare themselves bankrupt. Business in our country has long been treated without much confidence in their state. And it, in turn, does not try to change the negative situation that has arisen. We are not even trying to talk about all the difficulties and difficulties that exist for a competent and correct choice of your own business. Growth in consumer demand is falling sharply, and the population is afraid to spend their savings. If you are trying to open your own business in such a difficult time for the country, you should not expect quick and good income from your business. It is worth being prepared for the situation that you can lose everything you have in the shortest possible time.
If you got here, then you have a question - where to invest money? Here you will find the most profitable investment in 2016.
According to statistics 72% current millionaires started with investments that brought passive income. ©Forbes
It is worth starting with the fact that in the country at the moment the inflation rate is about 12%, that is, in a year your money will lose value if it is on the shelf.
Therefore, we decided to collect an investment portfolio, where it will be clearly visible where it is worth investing and what profit can be obtained by our own example.
The table is updated every month on the 1st, this will help to more accurately show the benefits of each method of investing money.
| № | Website | Contribution $ | Profit per year |
|---|---|---|---|
| 1 | 1000 | 600% | |
| 2 | 100 | 280% | |
| 3 | 150 | 240% | |
| 4 | 100 | 180% | |
| 5 | 100 | 170% | |
| 6 | 800 | 140% | |
| 7 |  PAMM accounts | 500 | 135% |
| 8 | 100 | 92% | |
| 9 | 1000 | 60% | |
| 10 | Banks (rubles) | 1800 | 11% |
You can find out more about each type of investment from the table below.
Forex is a risky type of investment, where you need to understand all the intricacies, spend a lot of time, and also monitor foreign exchange market everyday.
Therefore, it was decided to find people who do this at a professional level and have low risks, and then invest in them and get their own percentage from this.
This is an ideal scheme for those who want to invest money in a profitable business that has more than 10% profit per month.
The company existed for 610 days, which is very cool for this industry. However, in the end they decided to close.
Skyllex is an Australian company that offers to invest money in their accounts, you can start with $50 and get a fixed profit of 50 to 80% per month, depending on the deposit.
The company is investing in stock market, bonds and the most successful traders. They worked more than a year and could bring more than 600% profit for 1 year of work.
PAMM accounts- this is a dangerous type of investment, where there is a chance to lose your money, but the profit here is much higher. The most important thing is to find profitable pamm accounts without large drawdowns over a long period.
It is also better to use trusted brokers who manage accounts of tens of millions of dollars, it is your safety that the money will be paid out. 
We use Alpari and can recommend three great PAMM accounts with no big drawdown that can bring great profits!
MrGold — 185%, $10 deposit with minimal drawdowns. Commission 19-39% from profit (one of the most profitable accounts at the moment).
Venture funding is a long-term investment through the purchase of shares of growing startups in order to obtain high profits.
There are only a few large companies in Russia that can offer this type of service. I would like to note that this is not only a reliable type of investment, but also very profitable.
The international investment platform Insolt offers several types of investment at once and the minimum profit is from 9% per month.
Trust management: this is the transfer of money into the hands of professional traders who are engaged in money management on stock markets. The average profit of such an investment is about 11% per month.
Investing in startups: this is a great way to make money on Insolt, where earnings per month reach up to 20% when it launches. In addition, you can always sell stocks that can go up in value!
is the most popular venture investment platform in Russia. Where potentially profitable startups are gathered.
The main plus is a simple approach to investing, where anyone can invest even $ 1. At the same time, a good investment portfolio brings 10-20% profit per month + sale of shares.
In America, large investors buy shares of companies and receive dividends from this, and also have the right to resell shares. This type of earnings has reached Russia. 
— the first Russian site that offers enough in a simple way buy shares in various companies.
You will need personal data and money, by the way, the order amount starts from 10,000 rubles. So be prepared to buy multiple packages at once.
Managers of IC "Freedom Finance" create agreements for signing by the client, after which securities will be displayed on the depositary account, which can be disposed of as you like. 
Personally, our team bought 400 shares of Gazprom for $1,000, which brings a profit of 5% per month - $50.
Sports betting- is one of the most profitable investments money in 2016, no one expected such a high profit from such a risky method.
And maybe this method did not make it to our list, if it were not for one company that offers passive income without participating in rates, and all this is official.
Unicore-Analyst managed to bring 175% profit in 5 months of his work. But why such a high profit?
The fact is that professional brokers take your money to the general account of the company, which participates in various sports betting. And as a rule, they guess the outcome of events in 80% of cases.
Futures trading is very popular, and the most popular trading is carried out on the Russian futures market "forts".
This is done by the Moscow Stock Exchange MICEX-RTS. Where you can trade on all the different assets:
In order to make money on futures, you need a lot of experience, time and money spent. The futures market is a cross between the MICEX spot market and Forex.
- this is the most popular electronic currency, the price for 1 bitcoin is about $450, although a year ago this figure was about $200.
In addition to the fact that btc is growing in price again, you can not just buy bitcoin, but invest money in cloud mining, where the profit will be 150-200% per year, not taking into account the rise in the rate.
- this is one of the most reliable ways to invest, but the rates in banks are 4-12% per year, which does not even cover inflation.
Few people know, but when someone tries to make a contribution, they try to impose additional money on him. services that will reduce the percentage. And the money that the bank receives, it invests in more profitable investments.
For example, banks often buy not only currencies, but also precious metals, futures, stocks and are actively engaged in venture financing.
3 banks with the most high percentage on a deposit with an investment of more than 100 thousand rubles:
And we bet that you have not even heard of this type of income, right? This is a fairly new and unusual way to make money on being right.
All you have to do is accept someone else's bet and bet some of your own money, if you win, you get someone else's bet. Or you can create your own dispute and make good money on it.
At the moment, this topic is only gaining popularity in Russia, so there are few sites that accept disputes, or rather there are only 2 of them.
BetOnMoney: rapidly growing in popularity and already accepting bets from $1 to $1000. The most interesting thing is that there are people who were able to earn $ 15,000 - $ 30,000 on disputes in half a year.
Boobu Club: a little less popular, which is why the rates are lower, but there are a lot of disputes themselves, which will allow you to earn $10,000 - $20,000 in half a year.
Would you like to try yourself in the role of a bank, issuing loans in small amounts for a short period at a high interest rate?
It offers such an opportunity to all participants in its system, where everyone can become a borrower or play the role of a bank.
The average interest on issuing a loan is 0.3% per day, and the average term for issuing a loan is 20 days. That is, over this period, your amount will increase by 6%. And for the year you will get a profit of 106% if you issue one amount for the same period.
And if one of the borrowers does not pay, then this loan can be resold to the webmoney system, and the profit from other participants will easily outweigh the amount of the debtor.
We will talk about just a few types of earnings that do not require large investments of funds and effort.
Investment in the Chinese economy
China over the past 15 years has greatly developed its own economy and flooded the market with its products, which gives confidence that it will continue to develop.
Therefore, you can make investments in Chinese industries that will generate passive income every month using the site - Goldenprof.
We made a deposit of $1,000 and we have already managed to earn 150% of the profit, thereby recapturing our money.
Partnership programs
In order to start earning affiliate programs, you need to register on aliexpress, as well as on alibaba. And start advertising different products on the Internet, spreading affiliate links.
We have created an Instagram account, where we post photos with links to unusual and popular products. Average income about $ 300-500 per month, if the account gains popularity, then earnings will grow.
There are quite a few ways to profitably invest money in 2016, and the most the main task it is to increase your capital and delegate funds to other projects.
This way of investing money will help you eventually acquire a high passive income, which will outgrow wages in a few years.
