I am often asked where to invest money and how to start investing correctly. Therefore, I decided to create a universal investment guide, after reading which, any person could start investing and achieve their financial goals. Here is a unique step-by-step algorithm that will allow you to avoid costly mistakes when investing.

Undoubtedly, each person has his own unique situation, but the general principles that must be followed when investing will be equally useful in all cases.

To start investing correctly, you will have to go through 8 mandatory steps, none of which can be skipped or "jumped over".

Step 1. We assess the current financial condition and put our personal finances in order.

• Determine and write down in figures your income - sources of income, their regularity and stability, the amount in the currency of income.
• Distribute your expenses by consolidated items and categories: regular, irregular, one-time.
  Remember what assets you have - everything you own (apartment, car, cottage, bank deposits, securities, business, insurance, etc.) and how much they cost.
• Specify how much profit each asset brings you annually, and what is its profitability in% of the cost. It is likely that most of your assets will turn out to be unprofitable, or generally bringing only additional costs. At this stage, this is normal, do not be alarmed.
• Remember what liabilities you have - mortgages, loans and other debts, obligations to pay insurance premiums and taxes. Write down the amount of expenses you incur on your obligations each year, and what their percentage value is to the amount of debt.
• Calculate how much your income exceeds your expenses - this is how you will know your "investment resource", as well as how much your assets are more than your liabilities - this is your "net capital". The value of an investment resource is considered to be at least 10–20% of your income. If your investment potential turned out to be below 10% of income or even negative, you need to take additional measures to “financially improve” your budget. Our specialists can help you with this.

It is extremely important at this step to be honest with yourself., do not try to embellish the situation, but fix everything as it is. It is very important! This is the foundation of your future financial plan. And creating a good financial plan without a quality foundation, alas, will not work.

At the end of the first step, you should clearly understand how much money comes to you, where it is spent, how much is left, how long you can live if the main source of income suddenly dries up and how long it will take you to restore it.

Step 2. Create a financial reserve.

Both states and banks and commercial enterprises create financial reserves to use them in case of need. The same should be done for you. The financial reserve has not only practical, but also important psychological significance - it gives an unshakable feeling of confidence! Just being aware of the fact that you HAVE MONEY in case of minor troubles already increases the level of psychological comfort in your life. Thus, a financial reserve is a very inexpensive and effective way to make your life less stressful and more comfortable.

The practical value of a financial reserve is to be able to fund your regular expenses in case your main source of income suddenly dries up, as well as to cover small unexpected expenses like car repairs or dental services.

It is advisable to keep a financial reserve in the currency in which your regular expenses occur. Any bank that meets the following criteria can be used to hold a financial reserve:

1. The bank is included in the deposit insurance system.
2. The Bank is in the TOP 50 Russian banks in terms of assets. (the rating of banks is available on the website banki.ru. Or the bank is a subsidiary of another large international company (such as CityBank, Raiffeisen, Societe Generale, UniCredit, OTP Bank, Home Credit, etc.)
3. Choose a bank that is convenient for you to use - conveniently located, with convenient opening hours - so that you do not have to take a day off to get to the bank.

At the same time, it is recommended to open a current / savings or deposit account directly for the placement of funds that meets the following COMPULSORY conditions:

1. Possibility of replenishment from amounts comfortable for you.
2. Possibility of partial withdrawal of funds from the account without loss of interest.
3. Monthly capitalization.
4. The interest rate is not a determining condition, however, it should not be too high (compared to other offers), nor the smallest.

Now we replenish the financial reserve to the required amount calculated by us.

Step 3. We designate the goals and objectives of investment.

You need to define and write down:

• What do you want to do in this life, what do you want to achieve, what experience do you want to have, what assets do you want to have, what legacy do you want to leave behind, etc.
• In what currency do you plan to spend funds in the future to achieve your goals.
• Next to each goal, you must specify how much money at current prices is needed to implement it, and the time by which the goal must be achieved.
• You also need to rank the goals in order of importance and priority. That is - if you fail to implement everything, everything, everything, then what you would like to implement without fail, and what - “if possible”.

Step 4. Determine your risk profile.

That is, we formulate and formalize what financial risks you are ready to take in order to achieve your financial goals, and what may be absolutely unacceptable for you in terms of investment. For example, some people are ready for a temporary decrease in the value of their assets by 30-50%, and for someone even a 5% loss during a calendar year will be extremely uncomfortable psychologically.

You can determine your risk profile with the help of or on your own by passing a little testing.

Step 5. We develop an investment strategy.

• We determine the amount and frequency of investments - at a time or regularly.
• How much time are you personally willing to devote to managing your investments.
• What risks are you ready to take on in the process of investing, and which ones are better to diversify or hedge, i.e. “sell” (currency, country, industry)?
• What kinds and types of assets will you use.
• We define "permissible limits" when choosing investment instruments. For example, religious or personal beliefs prevent some people from investing in companies that produce alcohol, tobacco, and military goods. Others do not even allow the thought of investing in the Russian economy in general. And for someone, the ability to protect their assets from any encroachment by the state and third parties can be a determining factor in the development of an investment strategy.
• We estimate what taxes you will have to pay in connection with investment income and calculate in advance the possibilities for minimizing them.
• We prescribe algorithms for making investment decisions - that is, what conditions you will pay attention to and take into account when making investment decisions, what actions you will take in this or that development of events.
• How regularly or for what reasons will you review and amend your investment strategy.

Step 6. We conduct stress testing of our strategy according to the “What if…?” scheme.

Ask yourself:

• What will happen to my family and my investment plans if I get laid off and I can't find a new job for a while?
• What will happen to my investment plans if my neighbors from above flood me and I need to make repairs in the apartment?
• What happens to my investment plans if I myself or another family member suddenly becomes seriously ill?
• And if I die, what additional expenses will my family incur in connection with my funeral, and where will they get the money for this? Where, how and on what will my family live after my death?
• What other negative factors can affect the implementation of my plans?

Based on the results of this stage, a protective investment strategy is developed, which will allow you not to abandon your investment plans under the influence of an unfavorable set of circumstances and the realization of typical life risks. We can help you determine in advance what exactly needs to be protected - health, life, property, and select the appropriate insurance products.

Step 7. Choose an investment method.

At this stage, you need to decide:

• Which companies to use?
• How to deposit money?
• How will you receive your investment income?
• For what exactly, to whom and how much will you pay? (commissions, taxes)

Now you are ready to start the main thing - the actual investment. It remains only to form an investment portfolio and directly START investing.

Step 8. We form an investment portfolio.

• We select specific investment instruments in accordance with your investment strategy.
• We acquire selected assets.

After completing all 8 steps, you will have:

1. Clarity and order in personal finances as well.
2. Financial pillow for 3-6 months.
3. A sense of security and confidence in the future.
4. A well-designed investment portfolio.
5. A clear and understandable plan for further actions, in accordance with which you will create and increase your capital.

Congratulations, now you know how to start investing the right way! You can go through the first steps on your own or at any stage. We will always be happy to help you. Bookmark this page so you don't lose valuable information. Start investing and you will succeed!

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂

There are a lot of investment options! Not all of them are effective, and what to hide, there are often simply fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest our money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

• What are the investment options, what is their yield and which one to choose?
• Where can you profitably invest money on the Internet?
• How to invest money in order not to burn out?
• And also about where it is better not to invest your money!

Get comfortable and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and loss!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

Usually the risk is proportional to the return, i.e. The higher the return, the higher the risk and vice versa. But this rule does not always work.

But in any case, who does not take risks, he does not earn. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

And also consider all the pros and cons of each investment option.

Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals…) — 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (currency market, cryptocurrencies…) — 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with a very high yield, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to receive the maximum income, but at the same time they completely forget about the risk. And as a result, because of greed, they are left with nothing.

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules!👇

2. Where is it better to invest money in 2020 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest money so that they generate income!

I will immediately share with you, using my personal example, one rather profitable investment that allows you to receive much more than ordinary bank interest. 😉

Pamm-account "Arslanov Fund" and its profitability

Another PAMM account that I invested in is ““, the largest account in Alpari, it manages more than 155 million rubles!

Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, nevertheless, for 5 years it brings investors "clean" every year about 60-80% . Agree very well! 😀

Another plus of PAMM accounts is that the minimum investment amount is practically unlimited here, you can start with at least 3,000 rubles.

For the time being, I am only looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article.

However, although in this way you can earn quite significant amounts, nevertheless, you should not forget about the risks. Still, invest in PAMM accounts no more than 25-30% of the total amount of your investments (at the same time, also distribute the risks among the accounts, do not invest everything in just one account, choose at least 2 accounts).

More details about this type of investment will be described later in the article, so be sure to read to the end.

And now we will consider separately each of the options where you can invest money.

Option #1: Bank deposits/savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 4% to 8%.

Deposit rates have been falling steadily in recent years and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

So for 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts" (IIA) are suitable, which, for example, can simply be opened in the same (using this link, you can invest 1 month without commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.😀

☝️ In addition, if you invest money for at least 3 years, you can get a personal income tax deduction (13%), i.e. in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But of course, there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis ! The rest of the time, stocks generally grow steadily and show good profitability.

In addition, you need to understand that the price of shares depends very much on the actions of speculators, rather than on the real financial position of the company in the market.

Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (US 100 high-tech companies).

If you do not want to personally invest, then there is an option to entrust the money to professional managers. I already mentioned how I invested in Alpari managers at the beginning of the article! I will tell you more about this direction a little later in this article!

You can easily invest in stocks through.

OUTPUT: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

Yield:	Risk:	Payback:	Minimum investment:
15-100% per annum (share price change + dividends)	depends on strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium/high)	(⭐️⭐️ - medium/high)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal/moderate risks, relatively high returns can be obtained.	(+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold.	(- ) Knowledge is required. Uncontrolled risk and "flirting" with the market can lead to significant losses.	(- ) In the event of a crisis, stocks can seriously and quickly fall in price.

Option #4: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

DESCRIPTION: But this method is usually suitable for those who do not have experience and time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.

Moriarti PAMM account, its profitability for 5 years was 135464% (click to enlarge)

💡 More than $2.5 million , its profitability for 5 years amounted to over 135 thousand percent.

However, it should be taken into account that despite the fact that accounts/portfolios have shown good returns in the past, there is always a possibility that they will turn out to be unprofitable in the future.

Therefore, I repeat, do not invest all your money in one trader! Distribute funds at least among 2-3 reliable managers that trade profitably for a long time. If the accounts are relatively new (less than 6 months old), then completely divide the initial investment among 5-10 traders.

Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!

For more information about what Pamm accounts are and how they work, you can watch a free training webinar from professionals in their field:

You can go to the Alpari website and get acquainted with Pamm accounts.

With a larger initial capital, you can work with large stock brokers (for example, Finam and BCS), which also provide various trust management strategies.

✅For example, on Finam in trust management, you can give from 300 thousand rubles. Their website features dozens of diverse strategies: conservative, moderate, and aggressive.

Of course, both brokers and managers also cannot guarantee 100% that you will receive income.

Here I want to tell you a few words about the so-called "structural products", because they are also directly related to trust management. Income here, as a rule, is not the same as Pamm accounts can give, but nevertheless, structured products can bring significantly more than bank interest and bonds.

They are also intended for beginners who want to increase their money. Structured products can bring returns up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which, as experts expect, will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars(some brokers have a higher minimum threshold) and for a period from 3 months.

I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.

✅BCS offers investments in Gazprom shares with a guaranteed return 10% per annum(even if their price falls) and 100% capital protection. In the event that the share price rises, then you can even get 14% per annum .

So there are only 2 options: you will get either 10% or 14%. Consider that there are no risks, except for the actual bankruptcy of the company. But it is extremely unlikely that the number 1 company in the entire brokerage market in Russia will go bankrupt, it is similar to the fact that Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.

Investments are calculated for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.

OUTPUT: Trust management combines convenience, moderate risks and medium/high returns. Particularly suitable for beginners.

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and more	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By allocating funds to the most efficient managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option #5: Bonds

DESCRIPTION: Where do you think big banks invest their money? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the easiest investment tools. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

☝️ By the way, Sberbank and other banks sell national government bonds.If you invest for 3 years, then you can get an average return on them of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most currently available bank deposits. Moreover, in the future, interest rates on deposits may decrease.

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, large funds can also be invested in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens And hundreds of percent . But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought without the need to pay income tax (if you purchase them for a period of more than 3 years).

OUTPUT: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and more)	depends on bonds (very low for government bonds)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium/low)	(⭐️ - low)	(⭐️⭐️ - medium/low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low returns compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for low-rated bonds). The lower the credit rating, the less confidence in him.

Option #6: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency.

This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased $10,000 at the exchange rate of 57 rubles/dollar — as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, amounted to 30 000 rubles(of which the broker's commission is approximately 600-800 rubles).

On Forex, you can trade both yourself and give money to professional traders (this will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience And h knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

It is important to note that when trading personally, you need to follow a proven trading strategy, otherwise trading is likely to turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to the strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

OUTPUT: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can earn a high income. For those who are not ready to study seriously, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and more	strategy dependent (initially high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If you have an effective strategy, you can get high profitability.	(+ ) Low entry threshold and accessibility.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you do not manage the risk. 99% of newbies lose their money.	(- ) Training is required: special knowledge and experience, as well as the ability to manage emotions. There is no guarantee that in a given period you will make a profit.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

Another option is to buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

At the same time, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and aspiration!😀

I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires about 70-80% - These are entrepreneurs who started a business from scratch!

✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even if it is small at first. The main thing in this business is not to be afraid take the first step!

Think about it, maybe you always wanted to open your own auto shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a business in the service sector.

I will also give you a few options from my experience, how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is easy to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this! 🙂

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While both in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

OUTPUT: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and more	High risk initially	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest yields among all investment instruments.	(+ ) It is easier for businesses to find partners and/or co-investors. You can start without large investments, the main thing in business is an idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business.	(- ) You need to understand the business and understand how it works, even if you invest in a "foreign" business. You need to constantly learn.

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

Mutual investment funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, such as Sberbank.

If this type of investment is right for you, then it makes sense to choose not one mutual fund, but several in order to distribute possible risks.

And make it a rule before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.

OUTPUT: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Yield:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average yield exceeds the interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) There is no guarantee that you will receive income. There is an additional "commission" (surcharge) for buying/selling units.	(- ) You will have to pay a 13% income tax - many other investments have preferential taxation conditions.

Option #9: Microfinance Institutions (MFIs)

DESCRIPTION: Another type of investment is investing in MFIs. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you still decide to invest in an MFI, then be sure to choose a trusted company that has been operating on the market for more than one year.

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!😉

OUTPUT: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Yield:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFIs are allowed to attract from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious Metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

Gold coins/gold bars can be purchased both at almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).

Despite the high reliability, investing in gold is more suitable for saving existing funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has grown from 1,600 rubles per gram to 2,400 rubles per gram.

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has significantly fallen in price since 2012 and is currently in a sideways trend.

OUTPUT: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.

Yield:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is practically no risk of depreciation of gold. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago when bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that bitcoin is about to crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that bitcoin and other cryptocurrencies will probably grow in price.

Especially while cryptocurrencies show a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

OUTPUT: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In the case of the growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies, in a matter of days they can both grow in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. The complete absence of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to earn money in this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

FROM 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

Meanwhile, the owners of such publics also earn mainly from the publication of advertising posts. In public with millions of subscribers, the cost of one advertising post can be worth 2-7 thousand rubles .

Publics with relatively small investments pay off very quickly. Although now the competition in publics is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then you won’t have to wait long for success!

3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.

For example, if a person who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

If you can effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go exactly to advertising.

But in this case, the main role is played by experience, without it, nowhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers…

For example, projects that are engaged in the exchange of electronic money are very popular (in fact, they are called exchangers).

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is through exchangers. By the way, you can also buy bitcoins with the help of exchangers.

Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a fairly decent income is obtained.

5. Apps for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where big money is spinning.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent affiliate commissions from airlines.

Even if you don’t know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays the key role - the success or failure of the application depends on it.

6. Hype. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can only function for a few days or weeks, after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a scam (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.

OUTPUT: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can give high returns with a minimum investment.

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High yield. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort.	(- ) There is a risk that the project will not shoot and will not pay for itself.	(- ) knowledge is required. You need to be well versed in the key nuances of the Internet business.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment tool.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture capital investments.

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

OUTPUT: Yet venture capital investment is underdeveloped in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Yield:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (in venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widely developed - investment sites may turn out to be financial pyramids.

Option number 14: Art objects

DESCRIPTION: Another unusual way to invest your money is to invest it in art. This is a rather narrow and specialized market, however, it can bring good returns.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only cost more over time.

And the crisis practically does not affect the value of art objects.

OUTPUT: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and more	minimum	usually 1 to 3-5 years	from 100 000 rubles and more
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get a relatively high return with minimal risk.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investments in art require a large initial capital and involve long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option #15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, but always the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience ...).

It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.

I think more than once you have heard stories that most people who have won millions in the lottery, after a few months or years, again returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences about investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the USA: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - in a couple of months he managed to earn tens of thousands of dollars from scratch.

OUTPUT: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍

Yield:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks/months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money.	(- ) For many, it is difficult at the first stage to motivate yourself to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules for proper investment - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money properly!

First What I talked about at the beginning of the article is not to store all your eggs in one basket. This rule applies especially to you if you have a lot of money to invest.

Instead of investing everything in one instrument, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second- try to invest most of the funds (40-60%) in assets with the least risk, the best choice between profitability and risk, as for me, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is an already tried path, in which a huge number of people have lost fortunes!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- Before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.

It will also be great if you learn how to give 10% of your profits to charity.

✔️ As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. Consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

Also a relatively small amount by the standards of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payouts, very favorable conditions, etc. - all if only people would invest their money.

💡Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

Another controversial investment tool is sports betting. It is realistic to make money on them in the long term, but only bet organizers and 5-10% of participants (those who are in the know) do this, and the rest only constantly lose money.

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin 😀).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀

Once again, I emphasize that in my experience, the most profitable investments are investments own business / business And knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!

Recently, while answering the next questions of a newly minted investor, the idea came to write an article in which to collect general recommendations for a novice investor. Judging by the questions, investments for beginners represent a rather vague area, full of prejudices and stereotypes imposed by society.

In this article, I will try to outline the process of investing from scratch for beginner dummies who are just taking their first steps towards financial independence. I also recommend reading for beginners, as well as getting to know each other. To complete the picture, take the free lazy investor course in the right panel of the blog, where you will find answers to most questions from novice investors.

Investing for Beginner Dummies

I have been blogging for over 6 years now. During this time, I regularly publish reports on the results of my investments. Now the public investment portfolio is more than 1,000,000 rubles.

Especially for readers, I developed the Lazy Investor Course, in which I showed you step by step how to put your personal finances in order and effectively invest your savings in dozens of assets. I recommend that every reader go through at least the first week of training (it's free).

• Collect the minimum amount - the foundation of future investments;

In order to start investing, you need to form an initial capital. It is not worth investing the last money, because sudden expenses usually come from outside, where they are not expected - a sharp increase in inflation or a jump in the exchange rate can leave you without funds at all. To prevent this from happening, you need to keep a record of all financial activities and know exactly where the finances are, what returns are projected, etc. Impressive amounts of money are not required in the beginning. I recommend starting with psychologically comfortable amounts (for me it was $ 100), but you should understand that the minimum investment will not allow you to fully experience the growth in income.

• Find investment instruments with an acceptable level of risk and return;

Now on the Internet you can find a huge number of investment proposals. Most of these investment proposals are designed for novice dummies who, without understanding the details, will either lose their deposits themselves, or the project managers will hide with the investors' money. To prevent this from happening, it is enough to follow the recommendations in point 2 of this investment guide for beginner dummies. Read blogs, chat on forums with real clients of companies and check projects in small amounts, all this will help minimize the risk of losing money at the start.

Choose only proven, reputable people, tools and companies for work. For example, among the infinite number of forex brokers, one can count on one hand those who bring transactions of successful clients to the interbank market, the rest play against clients. Among the trusted brokers for trading in the foreign exchange market, one can single out, for example,. For the laziest investors, the broker provides.

It is this phrase that experienced investors on the forums love to write so much and for good reason. Investing for beginners requires special attention, since even seemingly minor mistakes can lead to very significant losses. You don’t need to be a professional to be successful, but you still need to understand the basics of investing.

Without knowing how a PAMM account differs from a trust management project, it is difficult to build effective financial relationships. The best means of self-education are investment blogs (such as lazy blogs), investment forums (mmgp.ru) and numerous free seminars of investment companies. Especially for monitoring the emergence of new interesting articles, I once created the InvestoRss.ru service.

• Set investment goals;

Despite the apparent simplicity, many novice investors cannot correctly form the ultimate goal of investments. Of course, everyone wants to make money, but if there is no specific goal, then development may eventually stop. An accomplished person in adulthood, providing for his family and taking a sober look at life, has completely different needs than yesterday's student. It is not enough just to earn money - you need to know where and how to spend or invest it. Many novice investors set themselves the goal of increasing their investment capital to a million rubles / dollars as quickly as possible, and this is the right approach.

• Determine how much you are willing to risk by investing money;

Investing from scratch for beginners is always high risk. Not all people are risky enough - some prefer a gradual but steadily growing income to get rich quicker. The risk strongly depends on the goals set - if a person wants to provide for his children by the age of majority or himself in retirement, then long-term investments with a low return (conditionally up to 5% per month) are suitable for him. By the way, on long-term investment horizons, investment income will also increase due to. If you need to earn money for the new tourist season or buying a new car, then tight deadlines are usually accompanied by increased risks. Manage risk.

• Try and look for yourself in various areas of investment;

Each person is better in some area than in others. One suits work with deposits, which gives a stable profit for many years, the other is playing on the stock exchange, which can quickly enrich or make bankrupt. Depending on their own abilities and natural excitement, each person has his own direction of work. It is worth remembering that investments for beginners from scratch should not be too aggressive, since the investor does not yet have sufficient knowledge.

Different areas of investment activity provide for their commissions and service fees. Investing from scratch for beginner dummies usually starts with getting to know electronic payment systems. Before depositing money into an investment instrument, you should familiarize yourself with the commissions for depositing and withdrawing funds. In most cases, the most convenient way for an investor is far from the most profitable, so it is better to immediately calculate all related costs. Personally, before entering the main amount of investment, I always test the deposit and withdrawal of funds in projects with a small amount.

• Don't neglect diversification;

Having found out how much money you want to invest, distribute it among the selected investment instruments. Never invest all your money in one project, do not neglect the rule. Part of the investment can be put on a bank deposit, another part in stocks, part in a PAMM account, etc. It is better for beginners to invest in small amounts for different purposes, since at first it is difficult to navigate the diversity of the investment market.

• Keep cool;

Any financial transactions are accompanied by varying success - a long period of stable income can end in a losing streak. In no case should one lose self-control in the event of a negative development of events. The adoption of any decisions must be preceded by a sober analysis, on the basis of which an informed decision is made. To panic and start withdrawing or moving assets, in most cases, leads to increased losses.

• • Method number 10 - Bank deposit
  • Method number 9 - Precious banking metals
  • Method number 8 - Acquisition of securities on exchanges
  • Method number 7 - Trust management, mutual funds and PAMM accounts.
  • Method number 6 - Investing in someone else's business project
  • Method number 5 - Open your own business
  • Method #4 - Create and Own Your Own Website
  • Method number 3 - Investing in real estate
  • Method number 2 - Engage in short-term lending
  • Method number 1 - Investing in the education of children or your self-education
  • A dubious way to invest little money: from 1500 rubles
• 4. Conclusion

This article will discuss how to invest small amounts of money, which, as a rule, the most ordinary citizen of our country has. There is an erroneous opinion that investments are the prerogative of rich people. This is a delusion; almost every Russian can invest small amounts of money.

The expression “money should work” has become quite popular and modern, especially on the Internet. However, it is worth noting that although this expression is popular, but only a few bring it to life. The reason is that most people face certain obstacles and do not know how to overcome them or do not want to cope with them.

The fact that you want to invest requires a certain amount of free funds and the absence of debts on payment cards, loans, and so on. If you still owe someone, then it is better to postpone investing - existing instruments, as a rule, will not give you income that exceeds interest rates on bank loans.

The most common problem - the presence of medium and small savings, because they are so small that it is difficult to invest in a worthy and profitable business project.

Therefore, the question arises - where can I invest a small amount? Before answering this and other questions, it is necessary to create a solid basis for the accumulation of funds.

We decided to compile the top ten ways in which you can invest a small amount of money, while not only keeping your savings, but also increasing them.

1. Accumulation of invested capital

Start saving the minimum amount 10% from your monthly income, even if it is a couple of hundred rubles at the beginning. The amount can be more than 10%, but not less.

Even "ridiculous" at first, the money turns into a decent amount over time. To accumulate funds, review your expenses and give up various luxury items and other non-essential expenses.

Depriving yourself of everything will be wrong - you will not be able to hold out long enough. Read more about how to save and save your money in . There we painted - 10 ways to save money.

Saving money to start investing

A very correct decision there will be a transfer of part of the salary to various special piggy bank accounts (it may be worth opening a deposit), such services are often offered by modern banks. You do not see this money and do not have it, so there is no temptation to spend it.

Also, an important condition for normal investment work will be the presence of "NZ". Those. money covering your six-month expenses, the so-called "rainy day reserve".

Everyone can experience temporary difficulties, non-payment of wages, illness or loss of a job.

2. Where can I invest a small amount of money

Before investing money, you should always start by improving your own knowledge on the subject. Study the concepts and terms in the financial markets, find out what analyzes apply to securities (technical or fundamental), find reliable sources of information on the Internet (perhaps books, diaries of private investors) and constantly refer to them.

Known all over the world investor Warren Buffett read over a hundred books on investing before the age of 20.

3. Where to invest a small amount of money - 10 reliable ways

Consider the main ways where you can invest a small amount of money, for example, 500 thousand rubles. Let's start with the method that brings the lowest income.

Method number 10 - Bank deposit

This type of investment is very familiar to everyone. However, he occupies only 10th position, the reason is too low income. Although the interest rate often seems tempting, the reality is quite different. The bank rate very rarely exceeds the inflation rate by 3-5%, sometimes not even reaching these figures. Accordingly, the illusion of income is created.

But despite all of the above, bank deposits have some significant advantages. Two of them stand out in particular:

• All deposits in the territory of the Russian Federation are protected by the state deposit insurance program. Therefore, even in the event of a bank failure, the state will compensate your losses. However, it should be noted that the sum insured does not exceed 1 4 00 000 rubles, this amount already includes interest.
• You save your time, and it is always worth a lot. All that is required of you is to bring money to the bank and make a deposit, the financial institution will do the rest for you.

Method number 9 - Precious banking metals

Small savings can be invested in precious banking metals. Often this includes silver and gold, in rare cases there are others.

There are two ways to invest in precious metals:

• First, open an unallocated metal account (OMS).
• Secondly, purchase bullion of precious metals.

In the first case, the client does not "contact" directly with the metals, while in the second case, the client receives the ingots in his hands, using them as he sees fit. A significant advantage of buying bullion is that you can buy it in any weight, which in turn allows you to invest a small amount of money. Bar size starts from 5 gram.

Method number 8 - Acquisition of securities on exchanges

The yield from this type of investment is much higher when compared with bank deposits. But it is worth noting that at least a little experience is needed to acquire such securities. Therefore, before undertaking such a method of investment, it is worth paying attention to at least minimal training.

And besides, the unstable situation on the stock market can contribute to the depreciation of the shares of even very reliable enterprises.

Method number 7 - Trust management, mutual funds and PAMM accounts.

This investment lies in the fact that the investor entrusts his funds to brokers who combine the deposits of a large number of investors into one impressive portfolio, after which they use the invested funds at their discretion.

Often these investments are used on stock exchanges and Forex. If we compare the purchase of securities and trust management, then we can say that the second method is much more reliable, due to the fact that professionals use your funds.

Method number 6 - Investing in someone else's business project

Given the fact that we are discussing where to invest small amounts, this option is suitable for investing in small business projects.

However, a logical question arises, what will happen if the business project " burn out Or will something not go as planned?

In this case, it all depends on how the documents were drawn up. Basically, a “burnt out” businessman returns the funds spent to the investor over time.

This may take from several months to several years. But it is worth remembering that the risks of losing everything are quite large. The reason lies in the fact that investor And entrepreneur, very often united by friendly or family ties.

Method number 5 - Open your own business

Although we can say that this is the most difficult option where you can invest small funds, but at the same time it is the most interesting investment. In this case, the risk of losing savings is very high, but if successful, the novice businessman will be fully rewarded.

It is worth noting that own business will take a lot of time and effort from a novice investor. Nevertheless, if it was not possible to put your own business on its feet, the acquired experience in running your own business will not be in vain. (We recommend reading -? Business ideas from scratch or without investments)

Method #4 - Create and Own Your Own Website

In a sense, this position is similar to the previous one. Your own website does not require a lot of investments. All you need is:

• invest in building a website
• pay for the initial promotion (website promotion (SEO)),
• open WebMoney wallet,
• register yourself as an individual entrepreneur.

However, it should be borne in mind that although it will not take so much money for all of the above, more than enough time will have to be devoted to this project.

See how to how easy it is to distinguish real ways to make money on the Internet without cheating from fraudulent schemes

Step-by-step plan from Andrey Merkulov

Dozens of ways to make money on the Internet in a variety of areas

Method number 3 - Investing in real estate

During the collapse of the ruble, square meters become much more affordable. However, this investment tool requires a professional approach.

It is also desirable to carry out investment activities with real estate at the very peak of the crisis. Determine the very bottom, only the pros can. Enlist the support of such a person in your environment. In this case, you can ensure yourself the likelihood of the most profitable purchase.

Method number 2 - Engage in short-term lending

If the 8 methods described above do not fit, or you have not yet made a final decision where exactly to invest a small amount of your funds, then you can lend your savings to your friends. But at the same time, it is worth considering that if you lend, even to your friends, at interest, you are violating the law of the Russian Federation.

It is worth noting the credit exchange WebMoney. With this platform, you can issue a loan without breaking any laws.

The main direction on this platform is short term loans. The rates of such loans are quite good, but there is no guarantee of return.

Method number 1 - Investing in the education of children or your self-education

One of the best investments where you can invest a small amount - self-education .

Investment in education always remains the most relevant and in demand. The reason is that neither age, nor profession, nor place of residence will interfere with you. You will always have the opportunity to improve your skills or learn a new profession.

But it is worth remembering that it is best to get the diploma that you can apply in reality. When choosing a new profession, it is also worth considering your attitude towards it, since it is always better to do what the soul lies in.

It is impossible not to mention the investment in the education of their own children, which is also the most profitable and long-term investment.

Doubtful way invest small money: from 1500 rubles

There are many different projects on the Internet that offer to invest money at high interest rates. We recommend that such projects (hype, various “multipliers” of wallets, etc.) be treated with caution and not trust them. Your task is where to invest and earn money, and not lose it. Therefore, make sure the reliability of the project (type of investment) and only then trust your money. We have described one of the examples of an incomprehensible method below.

Here is the text of the method, which assumes a high return on investment. The essence and purpose of almost all of them is the same, they all work on the principle of a financial pyramid.

“Determine for yourself an acceptable level of commission for investment intermediaries. It could be 2% , and maybe 5% in some cases. Add the commission amount to the amount you are going to invest - this will be your initial invested amount.

If you carefully consider the options, you can find companies that place your investments even without commissions.

Pay attention to hidden commissions, carefully read purchase agreements. It is best to choose not only no-commission options, but also those that offer discounts for reinvesting the profits. This discount can be up to 5%.

The main difference between these two instruments is that DRIP requires you to own at least 1 share of the issuing company, so DSP is more likely to be used by first-time investors.

You also need to constantly look for new funds with a low initial investment threshold. They usually use an automatic plan for investing and withdraw a certain amount from your personal account for deposits automatically. This is a fairly simple and inexpensive way to build your own stock portfolio.”

Watch the video, which tells where not to invest money in 2020

4. Conclusion

Let's summarize the question: "where to invest a small amount of money?". Even if you have 500 $ , you can use all popular investment methods.

But in this case, we recommend that you pay attention to investing in PAIs, mutual funds. stock and currency market. pay attention to index funds that operate in the "broad" market. The return on such investments will be about 10% per annum. By choosing a certain fund, you will be able to invest in the future without additional fees.

Don't try on short term price changes. This is the path to the loss of invested funds.

Only an experienced investor can afford to invest heavily in the securities of a particular company, while having a lot of other shares and investment deposits to diversify possible risks.

Option opening a deposit involves a stable way of accumulation, due to the minimal risks this type of investment is popular with many investors. Moreover, the state gives guarantees and compensates your deposits in the event of a bank failure.

Small banks, in order to raise funds for deposits, often give a higher and more favorable interest on payments for a client. Also on this topic, we recommend reading the article - - expert advice ( 18 voice(s), middle: 3,00 out of 5)

How to reduce risks

How to reduce labor intensity

How much money to invest

Current types of low-risk investments

What to look for when choosing where to invest

To understand whether it is worth investing in a particular source of income, it is necessary first of all to determine the criteria by which it will be determined whether this idea is worth it or not.

If we limit ourselves to three simple criteria, then we would like to highlight the following:

Yield

Profitability is undoubtedly one of the determining factors when choosing where to invest money in order to earn. It is measured most often as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just save it, then, at a minimum, the rate of return must be higher than the annual inflation rate. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5%, which is lower than the average annual inflation rate, which for the last three years until 2017 is 9.9%. Therefore, in order to invest money at a high interest rate and earn on it, it is necessary to use other opportunities, which we will consider below.

Risks

The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the probability of occurrence of events in which the investor may lose profits or even his investments. If, when considering ready-made investment proposals, the amount of return is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to delve into yourself, and what the project actually earns on, how long this process has been established and whether a situation can arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts who understand and understand this. You also need to understand that most often, the higher the yield, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a low percentage, and as you gain experience, switch to more profitable offers at a high percentage.

Labor intensity

If in pure investing, when you invested money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in your own business, an additional factor appears, like labor intensity - this is the amount of time spent working, multiplied by the experience and expertise of the performers. In other words, how much time you or your team will spend developing the business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but at the same time, the necessary labor intensity of the process greatly increases, especially if you yourself participate in business processes. At the same time, risks have an inverse relationship with the experience and expertise of the team, that is, the more experience and knowledge, the less risks.

Where to invest money in 2020 so as not to lose - advice from Moscow experts

When there is an understanding of what factors are determining when choosing where to invest money so that they work, you can already consider and evaluate specific investments, which we will do now.

All options will be connected in one way or another with secured loans.

We believe that such investments, for objective reasons, are the least risky, but at the same time they have a high return.

At the same time, everyone will be able to find an acceptable type for themselves, based on possible labor costs and the availability of expertise.

To begin with, we will tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans issued by financial companies (IFIs, CPCs, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Interest rates on such loans are much higher than those of bank loans, and range from 40% to 100% per annum on average. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, and they do not have the opportunity to undergo long and thorough bank checks. The second category of borrowers are people with a damaged credit history, for whom the road to banks is closed. Or people who do not have the opportunity to confirm their unofficial income.

All loans are issued either secured by real estate or secured by cars. At the same time, the maximum loan amount most often does not exceed 50% of the market value of the collateral object, and the loan term is usually not more than one year. If the borrower cannot repay the loan, the collateral object is sold at market value, which allows covering both the principal amount and the amount of accrued interest. If there is a difference, it is transferred to the borrower.

It is the presence of collateral that ensures the minimum level of risk for the investor, financial companies and this activity in general.

In 2020, according to experts, activity with secured loans has become especially popular and in demand among borrowers, while worthy players have appeared on the non-bank lending market, allowing ordinary individuals to invest in this area without any labor costs and not only not to lose, but also make good money on it, having received your interest with a guarantee secured by the presence of collateral.

Now that we have figured out how it works and why the risks are minimal, let's move on to considering specific types of investments, their profitability and labor intensity. There are three options in total:

• Profitable treasures from 14% to 22% per annum
• Investing-Easy at 24% per annum
• Investing-Profi up to 100% per annum

Let's dwell a little more on each of the options, and you can learn more about each by clicking on the appropriate link, where you can also leave an application for participation in the corresponding program.

Profitable savings

This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: you invested money and received income at the end of the term or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Savings companies:

This type is for those who want to immerse themselves more in investing in secured loans and get a higher return on investment than in conventional deposits. Here, the investor directly issues secured loans on his own behalf, but all other business processes, such as searching for borrowers, underwriting (risk assessment and verification of the borrower), collateral assessment, drawing up contracts, accepting payments and others, are carried out by qualified specialists. The labor costs of the investor are the consideration and selection of investment proposals and the presence at the conclusion of the contract. Yield 24% per annum. Suitable if there is an investment of 300,000 rubles, it is optimal to invest 500,000 rubles or more.

The most profitable, but also the most time-consuming type of investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for the search for borrowers, must be carried out independently. Profitability up to 100% per annum. A good option where to invest 1,000,000 rubles and in a year and a half to earn a million rubles from above.

Where is it profitable to invest money at interest - a comparison of options

• Risks
• Payouts
• Labor intensity
• Investment amount