Hello, dear readers of the "site"! In this article, you will learn where it is profitable to invest money so that you can receive monthly income, what ways to invest money are possible at a high interest rate with a guarantee, and how best to invest in order for them to work and bring profit to the investor.

This article is written based on the analysis of the experience of well-known investors, financial consultants, as well as the realities of the modern economy. Plus, the basic principles of investing, possible risks, advantages and disadvantages of each investment strategy are given.

About where you can profitably invest your money in order to receive a monthly income and what options for investing money at a high interest rate with a guarantee exist - read the website in the magazine

In this section, we will talk about the do's and don'ts for young investors taking their first steps in investing. Consider the rules of effective investment, which will allow you to receive a higher return than in a bank, but at the same time almost the same reliability. Why almost? Yes, because The main rule of the investor is :

The risks that an investor is willing to take on are proportional to the potential profit.

You probably can't wait to get started? Do you want us to reveal the secrets of where it is profitable to invest in 2019 year at interest to quickly earn even more?

Let's disappoint you a bit. The first thing a young, fledgling investor should start with – investing in yourself, in your knowledge and skills . Believe me, the return on this investment will surprise you!

And only then, when you already understand how a stock differs from a bond, what is the capitalization of a deposit, who are brokers and traders, you can move on to practice.

2. 5 golden rules for investing money

Rule 1: Create an airbag

You should not start risky or not very financial transactions without having a reserve for rainy day.

• How much should you have in stock? According to experts, this should be an amount that will cover your expenses for six months;
• ? Save from wages or other sources of income;
• How to calculate the size of the financial reserve? Calculate your monthly expenses. For example, you got 40 000 rubles. Multiply by 6 months, we get 240 000 rubles.

This is the reserve that you will not use when investing. In order to make the first investment, you will need to save a little more.

So it's going to be forever! you say. It can be faster if you have in addition to your salary passive income , that is, the monetary resources that you receive without putting much effort into it ( rental of real estate, interest on a bank deposit etc.).

Thus, if you put a financial reserve on a deposit in a bank, then you will kill two birds with one stone. Create a reserve and begin to receive passive income.

Rule 2 Don't Put All Your Eggs in One Basket

To avoid the need to use a financial reserve, you need to correctly distribute your funds in investments. You should not immediately invest all your free money in instruments that promise high returns. The risks that you will lose everything to the penny are too great.

You wouldn't put a hundred fragile eggs in one basket, would you? The likelihood that you will drop it 50 /50 . And the risk that all the eggs will break after the fall is already much greater. This can happen with your funds if you decide to invest them all at once. only into one project.

Also, if you allocate your money to different banks, the same thing can happen. Better diversify investments, i.e. invest in different areas. Not only in banking, but also in oil, gas, information, production, etc. In the language of professionals, this is called an investment portfolio.

Investment portfolio- these are several investment instruments combined together, differing in the degree of risk and profitability.

Depending on the chosen investment strategy, there are 3 types of investment portfolios:

• Aggressive the portfolio consists mainly of high-risk assets;
• Passive the portfolio is formed mainly from bank deposits;
• Moderate portfolio includes both.

Rule 3. Assess the risks in advance

Before calculating potential profit and thinking about where you will spend it, evaluate your possible risks and losses.
Do not immediately form an aggressive portfolio. You risk losing everything!

Start small. From the amount that you are internally ready to lose (after all, there is always a risk). And gradually build up.

Take note! In no case should you use money received on credit from a bank or borrowed from friends or relatives for investments. You risk running into debt collectors and losing the trust and respect of your loved ones.

Rule 4. Choose collective investment

You don't have to invest alone. As your experience grows, you can invest in large projects by attracting co-investors. This will allow you to distribute the risks to everyone. And profit, too.

For example, if you have in mind some attractive investment project, but you do not have enough funds for it, then you can invite someone else to participate in it. You will definitely find someone who is willing to work with you. on mutually beneficial terms.

If you are not ready to manage your investment instruments yourself, you can use trustee services . This is the company that will manage your funds in accordance with the investment strategy you have chosen. She can use these funds to make a profit, but she cannot dispose of them on the right of ownership. The trustee receives a certain remuneration for his work.

When transferring funds to trust management arrived And losses distributed among investors in proportion to their contributions .

Rule 5. Generate passive income

Investment and growth of your capital is great. But do not forget that investments are always risky. Today you have income, and tomorrow you can lose it along with the invested capital. Alas, these are the realities of the modern economy.

10 profitable ways to invest money so that they work and bring monthly income

4. Where can you invest money so that it works and generates income - TOP 10 profitable ways to invest

Today you can meet a lot of financial scammers who promise easy money, high profitability in a short time. They have nothing to do with real investments.

Therefore, we will consider time-tested investment tools that allow you to get a return on invested funds, taking into account reasonable risks. So, Where is the best place to invest money to get monthly income?

Method 1. Bank deposit

A bank deposit is one of the most common investment instruments. True, the profitability of such an instrument rarely covers annual inflation in the country. Therefore, a bank deposit can be attributed more quickly to ways to save rather than increasing your capital.

Bank deposit - the most popular and easiest way to invest money at interest

Low ↓ return on investment is an honest payment for your peace of mind, because banking the risks are also small ↓.

And if the amount of your contribution does not exceed 1 400 000 rubles, then you don’t have to worry about anything at all. In accordance with current legislation, in the event of a bank failure, the state will return all your money to you.

At the moment, the profitability of bank deposits fluctuates within 7 -10% , which is a couple of percent below inflation.

The most popular bank among the population is Sberbank , despite the fact that the interest on deposits in it is below the market average. The reliability of the bank, and not the potential profit on the deposit, is of decisive importance for many.

The pros (+) of bank deposits are as follows:

• low risks, deposit insurance;
• the ability to return the money at any time (sometimes even without loss of interest);
• availability (you can start with a small amount, for example in 1 000 rubles).

The minuses (-) include:

• income on the deposit at best covers inflation;
• in most banks, when the deposit is closed early, interest is lost.

Method 2. Securities

Securities, unlike bank deposits, usually bring higher profitability . You can try to invest in stocks or other financial instruments on the securities market, provided that you are ready to take on higher risks . That's right, there is a detailed article on the site.

Investing in securities (stocks, bonds)

Securities are of different types. Consider the most popular: shares and bonds.

Promotion is a security that confirms your share in the company and gives you the right to vote.

Promotions are ordinary And privileged . The latter have higher percentages, but there is no opportunity to vote at the general meeting of shareholders. We wrote more about what types of shares there are in one of our articles.

Bond is a security that confirms that you have borrowed a certain amount of money from the company that issued it.

Unlike a share, it has a certain period of validity, after which it is subject to redemption. You can own shares for life and receive dividends.

Dividend is the return on a share paid as a percentage of the face value of the security.

In addition, inflation annually "eats" a certain part of the money. Therefore, investing in foreign currency for several years is not very effective. .

You can buy and sell currency on a special market called (from English foreign exchange – foreign exchange). In Forex, you can buy and sell almost any freely exchangeable currency. You can buy Chinese Yuan for Japanese Yen, Canadian Dollar for Euro, etc.

Forex work traders who buy and sell currencies throughout the day. Anyone (with the help of a broker) can buy and sell any currency in Forex. We recommend working only with trusted brokerage companies. Many successful traders trade through this broker.

Many companies offer to teach the skill of working in the foreign exchange market. They lure potential investors with high returns. It is worth being vigilant and remember the main rule of investing: high returns are associated with high risks!

Yes, in Forex you can increase your capital in a few months. But the risks of losing everything are very high. According to statistics 80 % of beginners lose their invested funds in the first month of working on Forex. Therefore, before you decide, carefully weigh everything!

Advantages (+) of working in the foreign exchange market:

• minimum initial capital requirements ( from 100 dollars );
• profitability is higher than the market average;
• variety of investment instruments (foreign currencies).

Cons (-) Forex:

• you need to have special skills and knowledge for investing;
• significantly high risks.

If you want to learn more about how to lead, read our article.

Method 4. Real estate

This is the second most popular strategy after a bank deposit and a good option for those who are thinking about where to invest in 2019 year to earn. Real estate investment no less reliable than investments in a bank. The difference is that a much larger size is required. initial capital.

Investments in real estate

Thanks to mortgage programs banks, you do not need to save the entire amount to purchase the property of interest. Usually , enough 20 -30 % from the original cost. However, buying an apartment or house on a mortgage and repaying it within 20 -30 years at the expense of salary is not the best option for an investor.

We need to make sure that this real estate brought you passive income and covered mortgage payments.

To do this, you can use the following measures:

• rent out;
• if you bought a new building at the construction stage, sell it when the apartment is ready, at a higher price;
• make several studios out of a two-three-room apartment and rent them out as independent apartments.

Such an investment strategy requires more time and knowledge, but its profitability is also different.

Pros (+) of investing in real estate:

• the ability to receive passive income through rental payments;
• the opportunity to earn on the resale of an apartment at a higher price;
• safety and passive increase of capital (real estate, unlike other investment objects, grows in price in the long term).

The disadvantages (-) of this method include:

• high requirements for start-up capital ( from 300 -500 000 rubles);
• difficult to sell quickly if you need to return the money;
• physically obsolete wear, floods, fires).

Method 5. Own business

This strategy is suitable for those who are not afraid to take risks, are ready to make decisions and take responsibility for them.

Creating your own business

When deciding to open your own business, you must:

• correctly assess all risks at the initial stage;
• calculate financial indicators ( payback period, required investment volume, sales plans, production cost or ulugi).

If you have an entrepreneurial spirit and some commercial experience, then you can easily cope with this.

Pros (+) of starting your own business:

• you are your own boss (you independently determine what and how to do);
• opportunity to attract co-investors ( crowdfunding campaigns, venture funds, other businessmen);
• it is not necessary to have the entire amount available to open a business (you can use bank loans).

Cons (-) of investing in your own business can be called:

• high risk of losing everything;
• it is difficult to quickly return the invested funds;
• if you attract co-investors, you can lose control of the company.

Method 6. Precious metals

Many consider investing in precious metals the most conservative option. Purchasing gold has been a serious profit for a huge number of years.

Worth considering! Precious metals are not subject to physical deterioration, while their stocks are limited. That is why the cost of gold, silver, platinum and palladium is constantly rising.

There are several options for investing in precious metals:

1. Purchase of ingots. In this case, the investor must remember that such transactions are subject to tax, whose size is 18 % . Moreover, for ingots, when they are purchased, it is obligatory issued certificate. This investment must be made for the long term. It is important to ensure a profit in an amount exceeding the amount of tax paid;
2. Purchase of coins from precious metals. Coins are not taxed. Moreover, some of them also have collectible value. But it should be understood that it is possible to get a serious profit from coins only a few years after their purchase;
3. Opening of metal accounts. A deposit in precious metals is suitable for those investors who want to invest for a short period of time. Since in this case there is no need to buy precious metals, there is no taxation. This option is one of the easiest and safest.. The investor goes to the bank, which recalculates the deposited amount in grams of the precious metal. After a certain period of time, the depositor closes the deposit, receiving the current value of the metals placed on it;
4. Purchase of securities of gold mining companies. To do this, you will have to become a member. The value of securities does not always increase quickly. Therefore, they should be purchased for the long term.

Method 7. Antiques and works of art

Often, antiques, works of art, and collectibles are called the currency of the rich. If there is a large enough amount for investment, experts recommend paying attention to investing in such property.

By choosing this method, important to remember, What such investments are made only for the long term. In this case, it is better not to count on serious profit even after a year.

However, after a few years, there may be a serious jump in the value of the acquired property. So, some paintings by famous artists at the time of their writing cost literally a few hundred dollars, after ten years - tens of thousands, and after fifty - millions.

For the purpose of investment, you can purchase the following antiques:

• antique furniture;
• books;
• icons;
• ancient coins;
• porcelain;
• dishes.

It is important to understand that these items must be old. In art history, these are things made over 50 years ago . Some of these items may be of historical value and are protected by the state.

Investing in antiques requires a lot of money. Even 500 000 rubles for this type of investment is considered a small amount. However, you can start small. So, For example, Tretyakov I managed to collect my collection, starting with just a few paintings.

It should be understood that for the acquisition of really valuable things it is required to be an art historian yourself, or to have such an acquaintance. Without the appropriate education, it is almost impossible to understand which items are of real value.

Of course, you can use the services of a consultant. However, this requires additional financial investments. Do not forget that any art critic can only assess the current value of the subject, and not its potential profitability. You should contact specialists who understand not only art, but also investment.

Method 8. Franchising

Those who have a capital of half a million rubles or more can create their own business by purchasing franchise . In this case, the activity is carried out according to the scheme worked out by the seller. We wrote about that in detail in a separate article.

Starting a franchise business

It is important to understand that franchising cannot become passive income. The amount of profit depends primarily on the activity of the businessman.

However, the franchise helps save time, money and effort. This is achieved due to the fact that marketing schemes, all processes in such a business have been worked out.

Franchise benefits include:

• relatively short payback period from half a year to a year;
• brand awareness ensures the presence of a customer base no additional ads, franchised goods and services already have their customers;
• the franchisor constantly supports the businessman;
• the level of competition is minimal, since the franchise provides for a specific number of projects in a certain territory.

However, the business based on franchising has serious flaws . The main one is that by acquiring a franchise, businessman is limited in his actions. He is tied to the developed system and has no right to change the algorithm of actions without coordinating them with the franchisor.

Method 9. Binary options

Experts claim that binary options are the fastest way to generate income from investments. The basis of this option is the ability to take risks, as well as analyze the economic situation in detail.

The task of an investor who has chosen binary options is to correctly predict the value of an asset in use over a certain period of time.

After a specified period, the result is evaluated.

• If the assumption is correct, the investor will receive profit . It may be approx. 80 % rate;
• However, the forecast may not be confirmed and the price will go in the opposite direction. In this case, the account will be fixed lesion up to 100 % rate.

At first glance, it seems to many that making money on binary options is the same as playing roulette. However, it is not. A more thorough study of the work on binary options allows you to increase the accuracy of forecasts, and therefore increase your profits.

There are a number of advantages of the investment method under consideration:

1. A large number of trading instruments to choose from. Even a novice investor will be able to work with both currency pairs, so with shares, oil And precious metals;
2. The amount of profit, as well as the level of possible loss, are predetermined. Moreover, some trading platforms allow you to independently determine the ratio of profit and loss;
3. The marketplace can be accessed at any time from any device. There is no need to install additional software for this. To start the analysis, it is enough go to the broker's website;
4. Binary options trading is carried out around the clock without days off. Therefore, an investor can earn at any free time;
5. The trading interface is intuitive even for novice investors. In this case, only the final result of the asset value is reflected, intermediate prices are not shown to the user.

There are 2 options for earning on options:

• call up represents a deal to buy . It should be used if prices are expected to rise. If the value of assets decreases, there will be a loss.
• put down - This sale deal , the profit will be received in the event of a decrease in the value of the asset.

Despite the large number of advantages, binary options trading also has disadvantages:

1. A single wrong trade can result in losses of about 90 % invested funds. To return them, you will need at least three profitable trades;
2. When trading binary options, it is impossible to refuse a transaction or close it before it ends. Even in those cases when the investor realizes that he made a mistake, he has no choice but to wait for the option to expire;
3. Unlike forex, there are no credit obligations here. It turns out that the investor has the opportunity to trade only those funds that he has available.

Binary options allow you not only to save your own funds from the harmful effects of inflation and devaluation, but also to increase them. To do this, it is important to carefully study the market, as well as make the right choice in favor of one of the brokers.

Method 10. Internet projects

The development of modern technologies has led to the fact that the popularity of investing through the Internet has increased significantly.

There are several directions for investments that are suitable for both a novice investor and an experienced one:

1. Investments in startups, which are special Internet resources created for the purpose of development or their subsequent sale. The owner of the funds must understand all the details of the project and carefully control the execution of the work. The amount of funds that the investor will receive is determined primarily by the degree of development of the resource, as well as its attractiveness for future buyers.
2. Invest in your own website. A successful online resource can become the basis of a business and bring regular income. This approach allows you to start your own business even with a small amount of money. At the same time, there are no expenses for renting commercial real estate, staff salaries. It is possible to offer a product or service to a wide audience. Investments in such a business are less risky, but the amount of profit in any case is determined by the efforts of the entrepreneur.
3. Investing in online projects that seem to be the most profitable for the investor. You can choose effective Internet projects on specialized online resources. The investor thus acquires a part of the business. Subsequently, he is entitled to a percentage of the profits or resale of the share. Relations between the owner of the project and the investor are regulated by a special type of agreement. However, it is worth considering, how to predict efficiency almost impossible. There are serious risks of such investments associated with the unpredictability of market behavior.

When choosing an investment method, it is important to conduct a qualitative analysis. This is the only way to understand the potential profits and risks of the project.

The surest way to invest money at a high interest rate with a guarantee is a bank. And in which bank is it better to invest capital at interest with monthly income - see below in our review

5. Where is it better to invest money at a high interest rate with a risk-free guarantee - an overview of the TOP-5 banks

You can get a guarantee of income, as well as ensure the safety of funds by investing them in a bank.

Important! At the same time, it is worth choosing such credit institutions that participate in the deposit insurance system and have a high-quality reputation.

In addition, you should study and compare the conditions for deposits in different banks.

In which bank is it better to invest money at interest in 2019?

So let's take a look, in which bank it is profitable to invest money at a high interest rate with a guarantee (with a monthly income). In order not to waste time analyzing a large number of banks, you can use the ratings of specialists. Example list of the best banks for investment presented below.

1) Tinkoff Bank

Tinkoff is a unique Russian bank. It does not have a single branch throughout the country. Customer service is carried out completely remotely.

Here you can open a deposit at a rate up to 7% per annum . The payment is made monthly. In this case, the amount of the deposit must be not less 50 000 rubles.

The depositor has the right to choose the method of paying interest:

• capitalization;
• transfer to a separate card account.

The agreement provides for the possibility of replenishment, as well as partial withdrawal of funds.

2) Sovcombank

Sovcombank has extensive experience in the Russian financial market - it was founded in 1990 year. Today it is one of the twenty largest banks in our country.

A credit institution offers customers to open a deposit at interest up to 7.6% per annum . The minimum amount for this is 30 000 rubles.

Interest is paid at the end of the contract term. Besides, early termination interest behind 3 months, half a year and full number of years are saved. The deposit can be replenished, but partial withdrawal is not provided.

3) UniCredit Bank

UniCredit Bank is a credit institution based in Europe. This bank came to Russia over a quarter of a century ago. Today it is the largest credit organization in our country with foreign capital.

Rates on deposits depend on the term, method of interest calculation, amount. Opening a deposit in rubles , available before 8,35 % per annum, in dollars – before 3,23 % , In Euro – before 0,20 % .

In this case, there are 2 options for calculating interest:

1. with a monthly payment;
2. with capitalization.

For the convenience of choosing a deposit, you can use the calculator posted on the bank's website.

4) Ural Bank for Reconstruction and Development

UBRD is one of the leaders in the Russian banking sector. The credit institution has a wide branch network, which includes more 1 500 branches throughout the country.

Here you can invest at a rate up to 11% per annum . Interest is charged every 50 days. In this case, income can be capitalized or received.

For those who open a deposit in online mode , UBRD increases the rate by 1 %. Moreover, the bank connects depositors to the Internet banking system for free.

5) Absolut Bank

Absolut Bank operates on the Russian financial market with 1993 of the year. During this time, the credit institution has won recognition not only from customers, but also from world rating agencies.

Clients can receive income on funds invested in this bank in the amount of up to 8.5% per annum . The deposit amount must be at least 30 000 rubles. Interest on this offer is paid only at the end of the contract. Replenishment, as well as partial withdrawal are not provided.

For ease of comparison, the main conditions of the above deposits are shown in the table.

Table "Banks with the best conditions for deposits, the main parameters of deposits":

Credit organisation	Deposit rate	Basic conditions
1. Tinkoff Bank	Before 7 % per annum	The depositor chooses to capitalize interest or receive monthly on the card You can replenish and partially withdraw the amount of the deposit
2. Sovcombank	Before 7,6 % per annum	Interest payment at the end of the term Possibility of replenishment, partial withdrawal is not provided
3. UniCredit Bank	Before 8,35 % per annum	Calculation of interest monthly - at the choice of the investor by capitalization or payment
4. Ural Bank for Reconstruction and Development	Before 11 % per annum	Capitalization or interest payment When ordering online, the rate increases by 1 %
5. Absolut Bank	Before 8,5 % per annum	Interest is paid at the end of the contract Replenishment and partial withdrawal are not provided

4 current options for investing money today at high interest rates

6. Where it is profitable to invest money in 2019 at interest - 4 best ways today

Deposits bring low income. There are ways to invest that allow you to get much big profit.

Choosing the best option don't forget What As income increases, so does the risk of losing the investment.

Let's take a closer look below main ways of investing for the purpose of generating income.

Method 1. Promising startups

Investing in startups attracts investors because the potential income in this way is unlimited. On the Internet, there are a huge number of projects in which you can invest. To search for them, you can use specialized sites.

When choosing, it is important to conduct a thorough analysis and comparison of a large number of projects. It should be remembered that some of them bring profit for several years. Other projects turn out to be unpromising and entail only losses.

Method 2. Private lending (P2P lending)

Private lending has recently become more widespread and developed. This option involves the issuance of a loan by one individual to another. Using this method, it is important not only to draw up the contract as competently as possible, but also to conduct a thorough analysis of the potential borrower.

Explicit advantage private lending advocates high level of profitability . By lending funds even for a short period, you can ensure profitability before 50 % per annum.

However, there is also a significant flaw – high profits come with serious risks. There is a possibility that the loaned funds will not be returned. It is impossible to guarantee the honesty of the borrower even in the case of a thorough study of its characteristics.

Method 3. PAMM accounts

By investing in PAMM accounts, the owner of funds transfers them to trust management professionals. When receiving money, the manager puts it into circulation and does everything to get the maximum profit.

The investor can only wait until the experts distribute his funds between exchange-traded and other promising assets in order to generate income.

Thus, PAMM accounts are one of the types of passive income. At the same time, the risks of such investments are relatively low.

In order to independently profit from trading on the stock exchange, not only money is required, but also specialized knowledge. At the same time, to invest in PAMM accounts, it is enough to find a company that provides sufficient profitability and transfer funds to its management.

The profitability of such investments is determined primarily by the correct choice of the manager. This process requires a significant amount of time, as well as additional knowledge.

Method 4. Mutual investment funds (mutual investment funds)

mutual funds essentially represent collective investment management funds. The property of such a fund is divided into parts, which are called share .

The high liquidity of investments in mutual funds is achieved due to the fact that the units are traded on the market. At the same time, the activity of funds is regulated by law.. The relationship between shareholders and the mutual fund is determined by the relevant documents.

An investor buys shares when he expects their value to rise. Once the price reaches the expected value, the profit can be fixed by selling it.

When choosing a mutual fund for investment, it is important to consider its type. You can sell a share at any time only if open fund. From interval mutual fund you can leave only at predetermined intervals, and from closed- upon completion of his work.

It is impossible to determine in advance what profitability the fund will show based on the results of its work. Profits can reach 50 % per annum, which exceeds the deposit rate by about 6 once. However, the market average is about 20 % .

It happens that funds show losses. But do not be afraid that managers will always give negative returns. The amount of their commission depends on the amount of profitability . Therefore, they make every effort to obtain maximum profitability.

Among the advantages of mutual funds are the following:

• availability. This type of investment is available to everyone, since it is enough to start investing 1 000 rubles;
• high level of liquidity;
• PIF activities are regulated by law and is under the control of the state;
• professional money management.

However, mutual funds also have flaws . The most important of them is no guaranteed profit .

It should be borne in mind that some managers receive income even in cases where their work does not bring profit. That is why some funds in the course of their work show zero profitability, and sometimes loss.

There are many types of mutual funds available. However, regardless of the choice of the type of mutual funds, experts recommend investing in them only if long-term investments are planned.

It is important to carefully read the advantages and disadvantages of various types of investments in order to choose the best option for yourself.

7. Where not to invest your money - unsuccessful investment strategies

Many people want to make quick money without realizing that too high returns are associated with high risks.

Financial Pyramide is a deliberately unprofitable organization that pays income to investors by attracting funds from new investors.

Ponzi schemes were very popular in 90 years in our country. I think everyone has heard about Sergei Mavrodi and his MMM .

But do not think that all these fraudulent organizations have sunk into oblivion. Every year, thousands of gullible investors suffer from the actions, or rather, the collapse of such pyramids. How not to fall into the financial pyramid?

Let's highlight the main features of a fraudulent scheme:

• Too high return 30 % and higher);
• Aggressive advertising;
• Lack of real activity (does not produce or sell anything);
• The legal address of the company is located outside the country (offshore). we wrote in a separate article.

8. Answers to frequently asked questions

The topic of investing in order to generate income is quite extensive. In the process of studying it, a huge number of questions arise. Today we will answer the most popular of them.

Question 1. Is it possible to invest money at 50 percent for 24 hours?

Today on the Internet you can find a huge number of proposals for investing money for a day. However, not everyone knows how real it is.

Earn in such a short period of time allow investment programs of microloan services. This option allows you to invest just for a day, counting on profitability minimum 8%.

Services that issue microloans allow you to replenish your account in a short period of time and start earning, minimizing the risks of losing funds.

The main advantages of this option are:

• high profitability;
• the opportunity to participate in the investment program with minimal investment;
• comfort of transactions;
• ease of withdrawal.

In addition, before investing money in a microfinance company, you should carefully study its reputation.

Question 2. Where to invest money (rubles) so as not to lose them?

We answer the popular question, where to invest money (in rubles or other currency) so as not to lose it

Keeping funds in rubles is not reliable. This is especially true in times of economic instability. The presence in our country of a sufficiently high level of inflation, as well as devaluation, leads to the fact that simple storage of money in rubles becomes quite unprofitable.

For those who have financial savings, experts recommend investing them. This method of managing funds is more progressive and profitable.

You don't have to be a financial analyst to understand the effects of inflation and devaluation. It is enough to compare prices for certain goods and services over a long period of time.

There are several reasons for the depreciation of the ruble:

1. decrease↓ prices for raw materials negatively affects the purchasing power of the Russian currency, as it is clearly linked to oil prices;
2. sanctions of foreign states significantly aggravate the position of the ruble against other currencies.

The described situations lead to the fact that the simple storage of rubles will lead to the loss of part of the funds. This is especially true for large sums of money. In fact, the nominal amount of capital does not change, however decreasing ↓ purchasing power of assets.

Proper investment will help the investor:

• eliminate the impairment of the amount available;
• with a successful combination of circumstances, and completely increase capital;
• partially insure against serious economic shocks that are possible in the future.

The profitability of an investment depends on a huge number of factors. First of all, this concerns the size of the amount available. However, regardless of the amount of capital, investment is a better solution than conventional storage. .

Investing always comes with the risk of losing money. However, if the investment is successful, you can ensure a stable passive income, as well as financial security.

Novice investors often face a number of mistakes that can increase riskiness:

• making decisions about investing on emotions;
• lack of thorough analysis;
• low level of financial knowledge, as well as unwillingness to learn.

Question 3. Where can I invest 100 thousand rubles so that they generate income?

Some people think that you need to have several million to make a successful investment. However, this is fundamentally wrong. Quite successful investments can be made even if there are several thousand, therefore 100 000 rubles and are an excellent amount to start investing.

If it is possible to allocate capital at least in 3 -x investment areas, you can count on serious insurance against various force majeure circumstances.

In the modern economy, it is better to use the following investment methods, which are quite reliable and promising:

• investing in Internet projects such as websites, blogs, online stores;
• bank deposits;
• investing in innovation, as well as promising start-ups;
• investment in art;
• purchase of precious metals;
• investments in securities;
• acquisition .

Proper investment allows, having 100 000 rubles, to provide additional income.

Question 4. Where and how is it profitable to invest money on the Internet in order to get a quick profit?

There are many ways on the Internet where you can profitably invest your money so that they make a profit. Below are the most profitable of them. But remember: the higher the return, the higher the risk.

Finding the right way to invest online often takes a lot of time and effort. Below are promising and profitable options where you can invest on the Internet so that they make a profit:

1. Shares (stock market);
2. Forex;
3. PAMM accounts;
4. Binary options;
5. HYIP projects (very risky investments).

Before choosing one or another way of investing in networks, it is important to calculate the risks and possible profitability in advance.

9. Conclusion + video on this topic

In this article, we described in detail where to invest money in order to receive monthly income and examined popular ways to invest money at a high interest rate with a guarantee.

We hope that this information will be useful to you, and you will soon noticeably improve your financial condition.

And also video:

On the pages of the site you will find a lot of useful information.

The real incomes of the population depend on nominal accruals and the level of inflation. The latter increased by 3.2% in 2017. The growth of nominal accruals is less than the pre-crisis level. A Russian with an average income can pay his living expenses, but he will not have the funds for travel or for a quality vacation. Therefore, many people think about where it is profitable to invest money.

Where can you invest money today?

The issue of investing funds is very relevant today. Experts advise investing in large projects just after the stabilization of the ruble exchange rate in the market. Investors with small capital also have interesting options. Along with forex and the stock market, binary options are gaining more and more popularity. If the investor guesses the direction of price change, he will receive a profit of 50 - 75% of the rate. Other popular areas include cryptocurrencies, mutual funds, PAMM accounts. Much has been said about earnings from the financial market before. But such a direction as making money from online games is only gaining popularity. For registering in the project and completing simple tasks, the player receives income and bonuses. This option of earning can be considered as a way of temporary part-time work. Investments in bank deposits are still being actively discussed. It is a risk-free and low-return investment. Banks are also actively promoting deposits in precious metals, both in the form of bullion and OMS. In the long run, these investments are profitable. The question is whether the inverter is ready to wait several months until the metal price changes.

How to choose a win-win option when investing money

It is worth noting right away that there are no risk-free investments. If the bank fails, depositors may lose their savings. Investors can only reduce the level of risk to a minimum. What Experienced Investors Look For Experts advise considering as many promising ideas as possible in the process of choosing an object. Then analyze in detail the profitability of each direction. When choosing an object, you should take into account the ratio of profitability and profitability. Before freezing finances for a long time in real estate, you should analyze the profitability of a similar object. Experts advise relying only on your own strength. Only accumulated funds should be invested. If you cut expenses by 30% and increase your income by 20%, then people with average incomes can save $1,000. Investment diversification You need to invest in different objects, assets and markets. According to the rules of risk management, approximately 60% of the capital should be directed to risk-free assets. Investing in precious metals has always been popular. Investment risk is minimal. The payback period depends on the price dynamics, but on average it is 1-2 years. The rest of the funds can be invested in stocks and bonds. If there is no knowledge, opportunity or time for training, then it is better to entrust funds to mutual funds. The bank, as an asset manager, will select the best bonds for investments, and will itself execute and carry out the purchase and sale procedure. You will have to pay a commission for trust management. Calculation and control of risks To understand in which direction to move, you need to clearly monitor the current situation. To do this, you need to keep a diary in which all investments in objects and the income received are recorded. For traders of the stock and currency markets, even a special diary of transactions has been developed. After all, a trader's net income is the profit from the transaction minus the broker's commission. Investors in the real estate market should pay attention to the economic situation in the country. In a crisis period, it is easier to buy an object at a bargain price, wait for the market to stabilize and then sell it. Money must work. Therefore, while the investor is studying promising areas of investment, his savings should be left on a bank deposit so that they do not depreciate. The so-called risk-free areas of investment are intended more to suppress inflation. Interest rates on deposits barely exceed the average annual price increase. But this scheme of earnings brings a stable income.

Interest-bearing bank deposits

Banks accepting deposits from individuals must be members of the insurance system. Then, in the event of bankruptcy of the institution, the depositors will receive their savings in the maximum amount of 750 thousand rubles. When choosing a deposit program, you should check whether the financial institution has a license from the Central Bank and whether it is registered with the DIA. Russians trust their savings to state institutions: Sberbank and the VTB Group. These banks are market leaders in terms of the number of attracted deposits. However, users in their reviews complain that it is rather difficult to terminate the contract prematurely, and the level of profitability in these institutions is 2-3 p.p. below the market average.

Real estate: letting, rent

The safest investment option is to buy real estate. Moreover, it should be purchased precisely during the crisis period, while market prices are understated. Many investors consider this direction as a way to save money. In times of crisis, the object can be leased and rented. Investing in real estate, as a way to increase capital, requires knowledge, experience and the availability of funds. Otherwise, funds frozen for a long period of time will not bring income. In the second case, it is worth investing money at the stage of laying the foundation. Then, by the time of delivery, the cost of the object will increase by 2.5-3 times.

Investing in small and large businesses

People with an entrepreneurial streak and promising ideas are best off investing in their own business. To implement the project, you will have to draw up a detailed business plan, evaluate your competitive advantages in the market and think over advertising based on them. In the process of implementing the project, the entrepreneur will have to carry out all the work on his own. As the business develops, it will be possible to hire assistants. Investing in your own business has one serious drawback - the entrepreneur will have to take on all the risks of implementing and implementing the project. Or find co-investors. In the second case, the profit will also have to be shared with partners. Old methods of investing bring little profit. Those who are looking for innovative tools should pay attention to such offers.

stock markets

Investing in the stock market will be beneficial for those investors who are going to freeze their funds for a long time. Intraday speculative trading is a separate profession that takes a long time to learn. To work on the stock market, you need to open an account with a broker and, at a minimum, familiarize yourself with the operation of the platform. The advantage of this method is that you can make transactions not only at your own expense, but also borrow money from a broker and open "short" positions in the market. Upon completion of the operation, the trader returns the borrowed funds to the broker, and keeps the interest income for himself. To work on the stock exchange without a broker, you need a capital of several thousand dollars. This option is not available to everyone.

Forex

Forex trading can be done by beginners without experience. Brokers develop structured products for their clients. Their essence lies in the fact that the investor distributes his deposit between risky and risk-free investments. The basis of the investment portfolio is not only precious metals, but also popular raw materials (oil, corn, sugar, etc.). The investor chooses an investment scheme based on:

the level of deposit protection (what share of the capital the broker undertakes to return in any market situation); the participation rate in each direction of investment (according to this indicator, investments are divided into risky and risk-free).

Online games, casino, poker

The most popular methods of making money on online games today are very risky. By participating in games, you can win a small amount of money several times. But you won’t be able to make a living playing casino games. They use several schemes for luring money: "A win-win combination." With this phrase, scammers attract newcomers' money to casino resources, which, according to their calculations, can bring good income. Moreover, the information is provided absolutely free of charge. Program Vulnerabilities. With this approach, scammers are trying to lure out money for developing a unique code that will help beat the casino.

Where to invest 100,000-500,000 rubles to earn without risk

Amounts of several hundred thousand rubles are better to invest in real estate, construction and antiques. Acquiring objects in the elite real estate segment should be at the stage of laying the foundation. Every year, the return on investment will increase by 7%, not counting the market value of the object. By the time of commissioning, the cost will increase by 2-3 times. For half a million rubles, you can buy a franchise. In this case, the license holder provides full support: consults in the process of manufacturing products, searching for distribution channels, decorating premises, paying advertising costs, and conducting staff training. You will have to pay monthly royalties (rent) for receiving such consultations. In 70% of cases, such expenses are fully paid off in six months. You can also invest half a million rubles in your own existing business. It is not recommended to invest money at the development stage of the project due to high risks. It is better to use such funds to strengthen market positions and develop new segments. Achieving this goal is easier for an organization with a good reputation than for a startup. Another option is to open a deposit in one of the investment banks. Interest rates at European financial institutions are higher than those of Russian ones. However, funds will have to be frozen for a year. In case of early termination of the contract, income is recalculated at the minimum rate. If you are thinking about where to invest your money, then pay attention to the following options. These ways of investing bring good returns in the long run. Investment in precious metals It is better to invest in precious metals through a banking institution, otherwise there is a chance to run into scammers. It is better not to take the purchased ingot from the bank. If the box or metal is damaged, then it will be difficult to sell it. In addition, when selling an ingot, you will have to pay VAT. If the value of gold does not increase by 18%, then such an investment will be unprofitable. Therefore, you need to invest in bullion for at least 5 years. In the short term, it is better to invest in an unallocated metal account. The profitability of such investments is less, but you will not have to pay taxes when closing an account. Investing in cryptocurrencies Imagine a house with a lot of locked apartments. Each of them contains a coin. You need to sort through all the keys to open the door and get money. The same is the case with cryptocurrencies. There are digital encrypted money (Bitcoin, Litecoin, etc.). To get them, you need to go through many combinations. A limited number of coins creates supply and demand. In 2014, the value of Bitcoin increased 100 times and then decreased. The main disadvantage of this way of investing is that there is no guarantee of price growth. Cumulative life insurance Many of you have probably heard of such a service as life insurance. But not everyone knows that this tool can be used to invest funds. The essence of accumulative insurance is that at first the client transfers a certain amount to the fund, for example, $400 per year. This process continues for 5 years. At the same time, the life of the client is insured against accidents, injuries and disability. The difference between the service and ordinary life insurance is that if an insured event has not occurred within 5 years of the contract, the company returns all invested funds to the client. And additionally pays 4% per year for the use of money. The client will invest 2 thousand dollars, and after 5 years will receive 2.253 thousand dollars. The income is small, but guaranteed. Mutual funds Mutual investment funds are characterized by an attractive risk/reward ratio. The client transfers funds to a management company, whose employees independently choose the areas of investment and invest them in various assets (securities, real estate, etc.). In Russia, many banks provide this service - Sberbank, Raiffeisen, VTB, etc. The return on a deposit is higher than a bank deposit, but there is no guarantee of income. During the year, the company can make a profit or loss. Therefore, only large mutual funds should transfer money for management. Put money on deposit Existing clients of a financial institution can open a deposit without leaving home. To attract customers on online deposits, banks charge a higher percentage (due to savings on paper contracts). To terminate the contract ahead of schedule, you will have to contact the financial institution. If the client has not applied for funds at the end of the contract, it is automatically extended. The main advantage is the money back guarantee. The possibility of concluding a transaction via the Internet is a new competitive advantage. Private lending In this case, the investor acts as a lender who lends funds to the borrower and receives a percentage fee for this. The level of profitability is regulated by the lender independently. Interest can be accrued even daily. The disadvantage of this method is the risk of running into an unscrupulous borrower. In this case, it is almost impossible to return the funds. Due to the lack of complete information about the borrower, his actual place of residence, it will not be possible to collect debts through the court. You can start working in this direction through the Webmoney loan exchange. Investments via the Internet You can buy a site that already earns good income from advertising, affiliate links, paid services. But to manage such an asset, special knowledge is needed. Otherwise, the site falls under the filter of the search engine and investments will be unprofitable. An equally risky, but more interesting option is to invest in a startup. Developers of interesting projects usually do not have the funds to implement them. So they draw up a business plan and approach investors. The profitability of the project can reach hundreds of thousands of dollars, but the level of risks associated with such projects is high. According to statistics, 70% of such projects leave the market. Therefore, experienced investors finance several projects at once.

How much can I start investing

You can become an investor in the forex market with 100 rubles in your pocket. The main thing is to have a desire to receive additional income. Then it will be easier to set aside 10% of all income for investment. Gradually, creating savings will become a habit and there will be no desire to increase expenses with income growth. In order to receive income from the stock market, it is more expedient to open an account with 30 thousand rubles. on hands. Where does this number come from? The cost of a lot of securities costs an average of 1-5 thousand rubles. The basic principle of competent investment is to diversify investments, that is, purchase stocks and bonds of different companies. The initial deposit amount does not matter. You need to learn to observe this principle from the moment the first transaction is made. Funds should be distributed between risky and risk-free securities. The majority of the investment portfolio is made up of fixed income bonds. The share of shares should be calculated so that fluctuations in quotations do not exceed the yield of bonds. This approach will allow you to create a portfolio in which the risks of losing funds are minimized. Taking into account the described rules, the investor decides to buy 4 shares at 2 thousand rubles. The risky part of the portfolio is 8 thousand rubles. The share of bonds in the investment portfolio should exceed 70%, that is, another 27 thousand rubles. It is better to invest in the stock market with a capital of at least 35 thousand rubles.

Investing money with an investor

You can become a business owner without a large amount of capital. It is enough to find several investors who are ready to invest in the project and become a co-owner of the business (shareholder, shareholder, shareholder). The founders share profits and losses in proportion to their contribution to the capital of the enterprise. You can become a co-owner of a business by buying a stake in an LLC, shares in a company, or joining a mutual fund. The right to receive part of the profit is not a guarantee of a return on investment. By acquiring a part of the business, the entrepreneur runs the risk that the invested amount may decrease significantly. The reasons can be different: mismanagement, market crisis or changes in market conditions. That is, equity participation in investments does not guarantee a return on funds. However, the profitability of such projects over certain periods of time can be two or three times the amount of the initial investment. The largest companies in the world appeared precisely thanks to equity participation in business. In practice, a situation often arises when one investor contributes almost the entire amount, while the other simply manages the company. Since the financial result is divided between business participants, it is advisable to stipulate and fix the share participation of each of the partners in the contract. No country in the world can produce absolutely all goods, and Russia is no exception. More than half of export earnings come from oil sales. For foreign currency, you can buy those goods that are not enough in our country. Companies purchase foreign currency for rubles in order to then import goods. The more foreign currency, the cheaper it is (the exchange rate of the ruble increases). And vice versa. Therefore, on the eve of the new year, when goods are sold in large quantities, including imported ones, the dollar and euro increase in value. At this time, the currency should be sold to those who bought it during the year. Gold is a resource, the amount of which is limited in the world. In the long term, it makes sense to invest in this precious metal in the form of bullion. However, when selling them, you will have to pay VAT. Alternatively, you can issue a gold bank deposit or open a CHI. For short-term investments, it is better to buy gold futures. Experts advise beginners to refrain from working with cryptocurrency. If it brings such a high income, then there is a risk of losing funds. Any national currency has a country, events in which affect its value. Virtual money does not have this characteristic. Therefore, investing in cryptocurrencies just because it is fashionable is not worth it.

How to save money from inflation

The growth of the foreign exchange rate in the pre-New Year period will be accompanied by a depreciation of the ruble. How to keep your savings? Don't keep them at home. So that savings do not turn into "dead weight", you should open a bank deposit, preferably in several currencies at once. Unlike Europeans, 40% of Russians prefer to keep money at hand at home. Those who do not trust commercial banks should open a deposit in a state bank. Buy imported goods. During the period of devaluation of the ruble, import goods rise in price first of all. If you have not yet decided on an investment object, do not trust banks and do not want to lose the real value of your savings, buy what you have long wanted (car, washing machine, etc.). Savings can be invested in precious metals. Indeed, during the crisis period, their value increases. It's not just about gold or silver bars. Today in banks you can buy rare and expensive coins made of platinum and palladium. Don't invest in jewelry. The share of precious metals in their alloy is very low. You can quickly sell them at the price of scrap.

Where not to invest

No matter what level of income the financial pyramids promise, it is impossible to invest in them. In particular, HYIP funds that are popular today are an example of financial pyramids. Fraudsters attract naive investors with a beautiful site and the opportunity to receive a large percentage income (50-250%) in a very short time (from one hour). The average life span of such funds is one day. Profit from HYIP is received only by their creators. Much has been said in the past about investing in real estate and the stock market. In no case should you invest borrowed funds in these assets. And it's not about strategy or experience. From a psychological point of view, it is very difficult to make money on borrowed funds and no one succeeds. Such trading brings only loss. Buying real estate on credit in anticipation of a crisis is risky, if only because banks can raise interest rates on mortgages. The overpayment on the commission completely eliminates the difference in price. Such an investment brings only a loss. Investing in a car is not profitable under any circumstances. A vehicle that has left the gates of the auto center immediately loses 30% of its value. We hope this article was useful to you. If you know other good options for where to invest money and make money from it, share your thoughts in the comments.

We all save money. A schoolboy saves for a new smartphone, a student for a car, a young family for an apartment (or more often for a down payment for a mortgage), a worker for a vacation, and a pensioner for a funeral. And no matter how tense the economic situation is, the money somehow accumulates. Otherwise, why are there so many iPhones and expensive cars around?

But what most people don't realize is that when the accumulated money is under the pillow, it subtly diminishes. Every night a "savings killer" comes and steals a small part of our savings. And this killer's name is Inflation.

The official inflation rate in Russia for 2015 is almost 13%. But we know that it is not weakly underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely over 20%.

Thus, all our savings depreciate at a rate of at least 20% per year or 1.65% per month. So, now most of the ways of investing do not help to increase your funds, but at least offset inflation a little.

In such a situation, it is very unwise to keep money under the pillow. Any free money should work. But how to invest them as reliably and profitably as possible?

Investing is not that hard.

I think everyone understands what investing is. When investing, you make your funds work. That is, you invest money, expecting to receive even more money in the future.

But we must not forget that investing entails risks. Instead of the expected profit, you can get a loss or even lose all your money.

Therefore, the main rule of investing is risk diversification. According to this rule, you must break your savings into parts and invest them in different investment projects.

For example, let's say your investment portfolio is $100,000. Then you need to choose a few investment instruments that are suitable for you. Suppose you have chosen mutual funds, PAMM accounts and backing and HYIP projects. Now you will need to distribute your portfolio between instruments depending on how much you are willing to risk.

Let's say that you are configured for moderate risks and distribute money as follows: mutual funds - 40%, PAMM accounts - 40%, backing - 10% and HYIP projects - 10%. Now you need to apply the principle of diversification within each chosen way of investing.

That is, you will need to select several different PAMM accounts and distribute your 40% of the portfolio between them. The same must be done with other chosen ways of investing.

In order to comply with this rule, you need to use several tools that can multiply your money. I have selected 12 of the best ones for you.

We compare the 12 best ways to invest.

I not only selected for you the 12 best ways to invest, but also compared them with each other. For comparison, I chose several parameters that I decided to evaluate on a 10-point system, where 1 is the lowest score, and 10 is the highest.

Comparison of the best ways to invest.

The following options have been selected:

• Simplicity. This parameter characterizes how easy it is to understand this type of investment, understand the principle, find a suitable company and make a deposit.
• Yield. Here the average return on investment will be estimated. Most often, this and the following points are interconnected: the higher the yield, the higher the risks.
• Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
• Entry threshold. Shows the minimum amount you can invest.
• Liquidity. Estimates how quickly you can withdraw your deposit, and what losses you expect if you withdraw money prematurely.
• Passivity / activity- this parameter shows how passive this type of income is. That is, 10 points means “invested and forgot”, and 1 point means that in order to get the maximum profit, you will have to spend extra time and effort.

Of course, all my assessments will be subjective and I think that many readers will not agree with them.

1. Bank deposit.

A bank deposit is the most understandable and simple way of investing for an ordinary person. Even any grandmother understands how everything works. After all, even in the Soviet Union, in which there was no investment, people kept money on passbooks. And one of the heroes of the popular Soviet film called on fellow citizens to keep money in savings banks.

All you need to do to make a deposit is to choose a bank and come there with your passport and money. What could be easier? I bet 10 points.

At the same time, the profitability of a bank deposit is not high. At the moment, deposit rates range from 7% to 12.5%. I think this is one of the lowest returns of all investment methods. Deserves 1 point

But you can be sure of the reliability of your contribution. The deposits are insured by the state. Even if you plan to invest a large amount, in order to insure that your bank's license is taken away, you can break the amount into small parts and invest in several banks. In this case, even if the bank is deprived of a license, and your deposit was less than 600,000 rubles, then you will be compensated for both the deposit and interest. 10 points for reliability.

You can start investing with an amount of 10,000 rubles. This is not much at all, so you can put 8 points.

In most cases, you can withdraw money from the deposit at any time. But if you withdraw money early, you will lose most of the profit. 7 points for liquidity.

This type of deposit belongs to the “put it and forget it” category. All you need to do at the end of the investment period is to come to the bank and withdraw your money. Well, or roll over the deposit. 10 points.

Pros:

• High reliability.
• Availability.
• Low taxes. You will have to pay 35% of taxable income, which is calculated according to the formula: all income minus the refinancing rate.
• Predictability of results.

Minuses:

• Low yield.

Conclusion. This type of investment is more likely not to increase your money, but to somehow compensate for inflation. In any case, if you do not want to risk at all, then this method is better than just keeping money under your pillow.

2. Mutual investment funds (PIFs).

For an ordinary person, investing in mutual funds seems not a very clear undertaking. To understand this, try explaining to your grandmother at the entrance that you are buying shares in the fund of a management company that invests money in assets.

The choice of a mutual fund should also be taken seriously, studying the statistics of different funds. After that, you need to go to the office of the company or its agent. For simplicity I will put 6 points.

The yield here depends on the type of funds and on the approach to choosing a mutual fund. The riskier the investment the fund makes, the higher the potential return is expected, but in most cases it is not high. 3 points.

Reliability also strongly depends on the type of fund. At a time when bond mutual funds are one of the most risk-free investments, investing in venture funds carries very high risks. On average, I would rate reliability at 7 points, because at least you will not be able to lose most of the deposit, as in other ways of investing.

The minimum cost of a share starts from 300-500 rubles per share, which is suitable for almost everyone. 10 points.

I think most people invest in open mutual funds, so in this paragraph we will only talk about them. You can withdraw money from open funds by selling your shares in 1-3 business days. I will put 10 points.

Still, with this method of investing, you will have to spend a little time managing your investments. Of course, the management company will do the management within the fund without your participation, but you will have to transfer money between mutual funds and decide when to sell shares and when to buy. 8 points.

Pros and cons of this investment method:

Pros:

• A large number of assets in which the fund can invest.
• Low entry threshold.
• Relatively low risk.

Minuses:

• Possibility of making a loss in case of an unsuccessful choice of a fund.
• Relatively complex investment procedure.
• An investor should be interested in the stock market.

Conclusion. With a successful selection of funds and proper management of your investments, the profit from the deposit covers inflation and brings a small income. But you need to remember that many funds bring losses to their investors.

3. PAMM accounts.

Brokerage companies have invested so much money in advertising in recent years that only the deaf have not heard about Forex and the tempting prospects of becoming a successful trader. Therefore, it is not difficult for an ordinary person to understand the principle of PAMM investing - to give money to a trader so that he can play on the stock exchange.

You can find a suitable broker on the Internet. At the moment the most popular is Alpari. So I will put 7 points for simplicity and clarity.

Some accounts can bring you more than 100% profit per year, and some drain all your money. But, when using the principle of risk diversification, the income from this type of investment is slightly higher than in mutual funds and is estimated by me at 5 points.

As returns increase, so do risks. When using the principle of diversification, you will not lose the entire amount of your investment, but you may receive a loss. For reliability, I would put 6 points.

You can start investing in PAMM accounts with $10. At the moment, this is equal to 700 - 800 rubles. The amount is small, so I put 10 points.

You can withdraw money at any time within one to two business days. Therefore, for liquidity 10 points.

Investment management takes time. If you do not use automatic tools, then you will have to log into your personal account almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I bet 6 points.

Pros and cons of this investment method:

Pros:

• Low entry threshold.
• Opportunity to build your own investment portfolio.
• Simple investment procedure.

Minuses:

• It is possible not only to receive a loss, but also to drain the entire amount of the deposit.
• An investor should be interested in trading in the foreign exchange market.

Conclusion. This is a very common way of investing, which has gained popularity due to advertising. This way to invest money is more suitable for those people who like the foreign exchange market or who have experience in trading on the stock exchange.

4. HYIP projects.

This type of investment is often referred to as quasi-investment. In simple terms, these are pyramids that accrue profits to participants from new deposits.

It is very easy to invest in these projects. Many of them accept bank transfers and payments through the most popular payment systems. Most often, HYIPs have a legend that explains to gullible investors where the company takes money from to pay such high interest.

It is very easy to make a contribution to such a project via the Internet. But, if you are new to the Internet, it will be more difficult. For convenience, I would put 8 points.

Profit HYIP-projects promise simply cosmic. On average, long-term HYIPs offer to pay 20-30% per month. Short-term ones can promise to double the amount of the deposit in just a few days. 10 points for the promised yield, but in fact it, of course, turns out to be lower.

There is no need to talk about any reliability of deposits. The project can collapse at any moment. Every day 1-2 HYIP projects are opened and the same amount is scammed. Therefore, for reliability, I would put everything 1 point.

I think that in this paragraph and the paragraphs below, we should consider only long-term projects. The minimum amount of entry into them starts from 1,500 thousand rubles. 9 points for a low entry threshold.

In most projects, the deposit cannot be returned. It will be returned to the depositor during the entire investment period with each payment. Therefore, only 1 point.

If you have already invested in one of the HYIPs, then all you have to do is sit and hope that the project will exist and pay. You can't do anything anymore. Completely passive investment deserves 10 points.

Pros and cons of this investment method:

Pros:

• High yield.
• Convenient deposit and withdrawal of money.

Minuses:

• Very high risks.

Conclusion. Earn onHYIP-projects can only those who are "in the know." You need to be able to analyze projects and find those that can generate income. Most people who make money on HYIPs compensate for the loss when investing by attracting referrals.

5. Bucking (investing in poker players).

Almost everyone knows about such a game as poker. At the same time, many understand that successful players receive big money for winning tournaments. But how many people know that most poker players don't play big tournaments with their own money?

That is, if a strong player does not have enough money to participate in the tournament, he turns to an investor (sponsor), who receives a percentage of the prize money if he wins. The player can also have several sponsors who invest in the player and profit from winnings depending on the amount of investment.

You can buy a share from a player only by agreeing on it on specialized forums. For example, on the forum of this site: PokerStrategy.com. To purchase, you will need to personally write off the player. For convenience, I would put 4 points.

The reliability of this type of investment is highly dependent on the choice of players. In addition, when buying a share, you do not sign any contracts and the player may “not want” to give you your share for winnings. 3 points for reliability.

You can buy a share from $10. But only novice players sell so cheaply, to buy a share of a professional, you will need to invest 200-300 dollars. But it's still better to start with small investments, so I put 10 points for a low entry threshold.

There is no such thing as withdrawal of money. You pay a share, and if the player gets into the prizes, you take the profit.

After you have made a deposit, you just have to wait for a positive outcome. You can no longer influence anything. 10 points.

Pros and cons of this investment method:

Pros:

• The possibility of making big profits when a player wins a tournament.

Minuses:

• More suitable for people who understand poker.
• The deal is based only on an oral agreement with the player.
• Usually, players earn more than sponsors.

Conclusion. Rather, backing will suit people who are well versed in poker. It will be difficult for the average person to pick the "right" player.

6. Trust management in sports betting.

Most people treat sports betting like gambling. But professional marques earn a lot and consistently on bets on sporting events.

Many privateers create their own PAMM accounts, which actively attract investors. This type of investment is similar to PAMM accounts in the foreign exchange market.

In order to make a deposit, you need to register on the BetPamm.com trust management platform and select several accounts for investment. 7 points for simplicity.

If you look at the charts of profitability, you will see that the leading privateers increase the funds in their accounts by thousands of percent. Such income should bribe. But on average, the return on this type of investment is much lower and deserves 6 points.

If you use the principle of diversification and invest in several PAMM accounts, then at least you will not lose the entire investment amount due to privateer errors. For reliability, I would put 6 points.

Investing can start with very small amounts. For a low entry threshold 10 points.

You can withdraw money quickly and easily. 10 points.

After investing, you will need to monitor the selected PAMM accounts in order to transfer money between accounts in case they go to a loss or achieve maximum profitability. 6 points.

Pros and cons of this investment method:

Pros:

• Short term investment.
• Self-build portfolio.
• Low entry threshold and the ability to use a demo account.

Minuses:

• The possibility of receiving a loss or draining the entire amount.

Conclusion. This method of investment is very similar to investing in PAMM accounts in the Forex market. But it is not so famous due to the lack of advertising.

7. Startups (venture investments).

In recent years, stories of successful startups have been booming all over the place. Everyone understands how profitable it would be to buy shares of young companies, which in a few years would turn into large billion-dollar corporations.

The first way to invest in a startup is to conclude an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at discounted prices. Yunitskiy's SkyWay can serve as an example of such a startup.

You can also invest in a startup using crowdfunding platforms and startup exchanges. Exchanges do not inspire confidence in me, as I consider them HYIPs (read my ShareInStock review). But many reputable sources call them real companies. When you enter the exchange, you will see audited and verified companies in which you can buy shares. You just have to choose a suitable startup and buy a share in it. For simplicity 7 points.

For the purchase of shares on the exchange, the company will pay you dividends in the amount of 2% to 7% per month. In addition, an investor can sell his shares if the company develops and its shares grow in value. He can also sell shares if they lose value and he realizes that he has invested in a shell company. For profitability 6 points.

You need to understand that startups are a risky type of investment. According to statistics, 70% of them are unprofitable, and 20% of these 70% are just scammers who embezzle investors' money. But even of those companies that are in the top 30%, half of them break up in the near future due to internal problems.

One of the ways to invest in startups is through crowdfunding platforms. Unfortunately, in Russia they are not very developed and the minimum amount of investment through them is quite high. But all the companies represented on the site are subject to mandatory verification. There is also the possibility of investing in startups directly. For reliability 6 points.

The entry threshold for this type of investment is not high. 10 points.

If you decide to withdraw money or redistribute it within the share exchange by selling all or part of the purchased shares, then you will need to sell them on the exchange at a price below the market. The lower the price you set, the faster your shares will be bought. 7 points.

For the most profitable investment, you will have to devote your time. It will be necessary to track changes in the value of shares on the exchange, selling and buying them. There is no manager here, so you have to do everything yourself. 5 points.

Pros and cons of this investment method:

Pros:

• Convenient and simple investment procedure.
• Very low entry threshold.
• High potential return.

Minuses:

• High risks in passive investment.

Conclusion. If you decide to invest in startups, then it is better to use exchanges. You will pay about 5% for withdrawing money, but you will be protected from scammers.

8. Currencies and precious metals.

Surely, among your friends and acquaintances there is a person who, with a smart look, claims that money should be kept in gold (platinum, dollar, pound, yen, etc.). This approach says that a person does not understand investing, but simply uses popular “stereotypes” among the people.

For example, if you look at the dynamics of gold prices, you will see that since 2012 it has depreciated against the dollar by almost one and a half times.

If you decide to do without the services of managers and independently buy precious metals or currency in order to store money in it, then this procedure will not be difficult.

You can buy currency in bank branches, or by using the services of brokers (which will be more profitable than buying through a bank). You can also change currencies using online and offline exchange offices or payment systems.

Precious metals can also be bought from banks. And it became possible to purchase gold using the WebMoney payment system.

Also, do not forget about cryptocurrencies, for example, Bitcoin, which, according to all forecasts, will rise in price in the long term. The purchase of these assets will not be difficult, so I put 8 points.

Buying precious metals or currencies for long-term investment primarily protects you from the depreciation of the national currency. For many countries with weak currencies, this is a reasonable solution. But courses behave unpredictably, so there may not be any profitability. 2 points.

A beginner does not know which direction the course will go in the near future, so his investment is more like gambling. Even if now people prefer to keep their money in dollars, what is the guarantee that oil will not rise in price in the near future along with the ruble?

You can probably protect yourself from the depreciation of the national currency by keeping half of your money, for example, in dollars, and the other half in rubles. So when the rates fluctuate, you will not lose anything, but you will not earn anything either.

Profitability depends on luck and I would bet everything 2 points.

The entry threshold depends on the type of asset and on the method of purchase. On the exchange, 1 lot will cost at least $1,000, and through exchange offices or payment systems, you can change amounts of several dollars. So anyone can buy currency or precious metals. 10 points.

You can sell currency as quickly as you can buy it. In exchange offices and exchanges, this is done almost instantly. Gold is also a highly liquid asset. 10 points.

In general, attempts to influence profits by tracking rates and then selling assets already turns you into a trader. And I would not attribute trading to investing. Therefore, I understand investing in currencies and precious metals as “put and forget”. That's why 10 points.

Pros and cons of this investment method:

Pros:

• Able to protect against depreciation of the national currency.

Minuses:

Conclusion. Buying precious metals and currencies for a beginner is a very unpredictable way to invest money. You can reduce risks and increase profitability either by entrusting money to a manager, or by independently studying trading in the foreign exchange market.

9. Securities.

I think that most people from securities are familiar only with stocks. The most financially literate will probably be able to name more bonds. Only a few know how to invest money in securities.

In fact, buying securities is no more difficult than buying a currency. You also need to contact a major bank or broker. 7 points for simplicity.

When buying securities as a beginner, making a profit is a big question. And, if even a beginner can count on a small income when investing in bonds, then the stock market can bring a loss to a novice investor. 3 points for profitability.

In fact, usually low returns entail low risks, but not in this case. There are high risks in the stock market. 3 points for reliability.

You can start investing with a small amount. The entry threshold starts at about 1,000 rubles. 9 points.

Securities can be sold on the stock exchange in the same way as you bought them. This asset is considered to be quite liquid. I bet 10 points.

Again, if a person begins to manage his securities on his own, then he is already turning from an investor into a trader. Therefore, here we consider only passive investing. 10 points.

Pros and cons of this investment method:

Pros:

• Simple investment procedure and low entry threshold.

Minuses:

• For a beginner, this is a risky and low-yielding way to invest money.

Conclusion. If you have already decided to invest in securities, then it is better to contact a professional manager who will manage your funds for a small commission. Investing in the stock market on your own as a beginner is more like gambling than investing.

10. Real estate.

There is one stereotype among people: “ The most reliable investment of money is the purchase of real estate". But do not forget that real estate includes not only apartments, but also various buildings, structures, water bodies, forests, etc.

In general, there is some truth in this, because many people want to save up for an extra apartment by old age in order to rent it out and get a good pension increase. And in which case you can sell it and get a good capital.

You can invest in residential or commercial real estate, under construction or already built, suburban or located within the city. Ease of investment also depends on the choice of the type of real estate.

To invest in residential real estate, you will need to contact a realtor, look for suitable options, draw up a lot of documents and, possibly, make repairs. As for me, the procedure is quite dreary.

If you decide to buy commercial real estate, then the hassle becomes much greater. You will need to keep accounts, pay taxes, manage facilities, re-register energy supply. On average, for convenience, I would put 2 points.

As for profitability, you can receive no more than 1 percent per month from residential real estate with a long-term lease. This is 7-10% per year. The renting of residential facilities by the day turns into work and is not considered.

If you expect to sell it more expensive after a while, then it is far from a fact that prices will rise. In general, for profitability, I would bet 3 points.

Real estate, indeed, has a high reliability. Unless, of course, this is not an object under construction.

Even if real estate prices fall, you will continue to make a steady income from rent. For reliability, I put 9 points.

The entry threshold is high, even if it is a collective property purchase. The minimum investment amount starts from several hundred thousand rubles. I will put 2 points.

It often happens that in order to quickly sell real estate (especially commercial) you have to set a very low price. Sometimes objects cannot be sold for several months. I bet 3 points.

If we consider a long-term lease of residential real estate, then you will not have to spend much time on management. You will need to find tenants once and then collect money once a month. 8 points.

Pros and cons of this investment method:

Pros:

• Clear scheme of income generation.
• High reliability.
• You do not need any special knowledge and experience in investing.

Minuses:

• High entry threshold.
• Low profitability.

Conclusion. Investing in residential real estate is understandable to every way of investing money. This method is especially liked by conservative investors who do not want to take risks.

11. Investment in business.

Of course, here we will not talk about investing in creating a business from scratch, but about buying a ready-made company. Starting a business from scratch is hard work with unpredictable results. An investor is interested in an established business with streamlined processes that brings a stable income.

In order to find a company to buy, you can use newspapers or bulletin boards. But most often, the entrepreneur does not talk about the sale of his offspring, so as not to raise doubts among employees and customers.

Therefore, they prefer to contact broker companies that will sell their business. They also distribute information about the sale among friends and acquaintances.

Once you have found a suitable business, you will need to audit it to make sure that business processes are in order. This whole procedure for a beginner can turn into an insurmountable obstacle. 1 point for simplicity and clarity.

Super profitable businesses rarely sell, so you should count on average profitability. Of course, profitability strongly depends on the type of activity and the quality of management. I will put 6 points.

Many people think that entrepreneurs only sell unprofitable businesses. But actually it is not. The reason for the sale may be: an urgent need for money, disagreements between the owners, loss of interest, lack of time (especially if one entrepreneur has several types of business), etc.

The audit will help analyze the reliability, profitability and prospects of the business. Therefore, the chance of buying a loss-making asset is very small. I bet 7 points.

The entry threshold for this type of investment is relatively high. Yes, there are very small companies, but they cost far from a penny. Buying a profitable business with streamlined cost processes is similar to buying real estate.

Often people join groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I will put 2 points.

If you urgently need money, the company can be sold. If your business is unprofitable, then it will be difficult or almost impossible to sell it. A profitable business is easier to sell, but most often this procedure takes a lot of time. That's why 3 points.

If you manage the acquired company on your own, then turn from an investor into a businessman. Therefore, you will need to hire an executive director who will manage your business. But even in this case, you will have to control it and analyze the activities of the company.

Yes, and you will need to deal with the selection of a manager yourself. That's why 2 points.

Pros and cons of this investment method:

Pros:

• Reliable and profitable type of investment.
• You can choose the business that you like and understand.

Minuses:

• Complicated procedure for selecting and registering a business.
• High entry threshold.
• It will be necessary to delve into business processes and to some extent manage the company.

Conclusion. I believe that if you have enough capital, buying a ready-made business is one of the best ways to invest money. But it is desirable that you like the type of activity of your company and that you have at least minimal experience in doing business.

12. Investments in content sites.

This way of investing money is similar to investing in a business, but with a simpler purchase and management procedure. Again, you do not need to create and promote a site. You can just buy a ready-made project.

The website itself is more of a tool than an asset. The real asset is the audience that visits this project every day. The site owner makes a profit by displaying ads, affiliate programs and other sources of monetization.

To buy a site, you can use the exchange. One of the most popular exchanges in Runet is Telderi.ru. In the list of sites for sale, you can see all the information on projects: audience size, profitability, development dynamics, payback period, etc.

The transaction is protected and follows the rules of the auction, where the site goes to the buyer who offered the highest price. For simplicity, you can put 4 points.

Usually normal sites are sold at a price equal to the income from it for 12 months. That is, if the project brings 20,000 rubles a month, then the fair price for it will be 240,000 rubles.

But in most cases, on such sites, monetization works far from 100%. Thus, after “twisting” monetization, it will be possible to recoup the contribution in 6-10 months. 7 points for profitability.

If the site is made with high quality and promoted only by "white" methods, then such a contribution can be called reliable. Of course, if you want the project to bring you profit for more than one year, then you need to carry out at least minimal work on it. But, for a year or two, the project will be enough without additional investments. 8 points for reliability.

In general, some sites are sold very cheaply. You can find it for 500 rubles. But such sites should not be of interest to the investor.

You can buy as one expensive and high-quality site, as well as several medium ones. Therefore, I do not advise you to start with too small amounts. I will put it at the threshold of entry 6 points.

If the project ceases to be of interest to you or you need money, then you can always sell it on the same exchange. For this I bet 4 points.

When buying a site that will bring you passive income, you can make a profit without doing it at all for a year or two. But, over time, without administration and updates, the project will lose its audience, bringing less and less income. I will put 4 points.

Pros and cons of this investment method:

Pros:

• Convenient investment amount for everyone.
• High investment security.
• You can develop the project, increasing profits.

Minuses:

• You need to have minimal knowledge about sites and how to monetize them, or seek help from an experienced specialist.

Conclusion. Investing in content, information and other similar sites is one of the best ways to invest. This type of investment can easily be turned into a business by working on purchased sites and increasing profits.

Which method do you like the most?

Each owner of money capital is well aware that finances can "work", bringing profit to the owner without much effort on his part. But before starting to make a profit, the owner of the amount of money is studying options for how it could be applied, having received the most guaranteed benefit. In this article, we will tell you where it is better to invest, outline the most common and reliable ways where to invest in order to make a profit.

The first way is to invest in real estate

There are different options for investing in real estate. The easiest and most affordable of them is buying an apartment. Acquisition of housing in a new building or on the secondary real estate market in order to sell it more profitably is considered the easiest option to make a profit. Moreover, if you buy an apartment at the stage of construction of an apartment building, as well. This is an advantageous solution, because in this way you can get a solid profit in a short period of time. Still apartments are bought with the purpose of renting them out. The annual benefit from this method of investing is small, but this method of generating income is considered one of the most reliable. At the same time, both domestic and foreign real estate markets can be considered.

Another option is to invest in the purchase of land. It is also possible to invest in the purchase of commercial or industrial real estate in order to use it for renting. Land plots are now gaining great popularity. They can be freely bought at prices below the market. It is easier to buy a plot than an apartment, build a house to rent out rooms in this house. After all, the house itself can be divided, for example, into 5-7 rooms (if not a very large house), and it will be more difficult to re-equip an apartment in this way, and thus you can receive passive income from a small house.

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How to buy an apartment building with bank money and get a stable income from it

It is possible to invest in real estate in various ways - becoming the sole owner of the object, or as a shareholder or shareholder and receive profit from this.

The second way is to invest money in mutual funds (mutual funds)

These are collective investment companies, when their members have the right to own a certain number of shares, depending on the amount invested. Companies themselves decide where it will be most profitable to invest money - in stocks, bonds (or both at the same time - the so-called "mixed mutual funds"), stock indices, or even other funds when financial investments are diversified between mutual funds.

It is very important that the fund maintains transparency, and professionals are at the head of management in order to save shareholders from the hassle of studying investment markets, but at the same time, who would choose objects in order to invest capital with the most justified risks. An interesting point: the management company must still receive remuneration for its work, even if the investment turned out to be unprofitable or even unprofitable.

Experts warn that ideal situations are extremely rare, so investing in mutual funds is always risky, and the return is not fixed and often does not live up to expectations. By the way, if you want to sell your share in a mutual fund, you will have to pay income taxes.

The third option is a bank deposit

In fact, this is the easiest way to get your investment working without too much headache. Reliable investment methods include such an option for a reason: with the right choice of a banking organization, you can consistently receive interest, and be sure that this investment will not become unprofitable. However, it will not bring super-income either.

Among the "pluses" of deposits are the following: guarantees for the payment of funds in the event of a bank failure, the ability to withdraw money at any convenient time, and in a short time, a low investment threshold (that is, the owner of almost any amount can become a depositor). Despite the large number of positive features, the prospects for this type of investment are not always bright. Given the economic realities of our country, usually the interest rate barely covers inflation.

But if you still decide that investing money in a bank deposit is right for you, you should not chase the highest interest rates, as they are usually offered by unreliable banks. It is best to keep funds in foreign currency.

Banks also offer their customers to keep money in precious metals by opening so-called depersonalized metal accounts. Unfortunately, in this case, you will not receive insurance guarantees from the state, and the investment period will be quite long, but the money invested in an impersonal account can be withdrawn at any time. For long-term investment, gold bars and coins are still suitable.

The fourth way is to invest in shares of companies that are actively developing

A profitable investment includes this seemingly simple method. In order not to look for an intermediary for investing in the form of mutual funds, banks or investment companies, you can directly invest in the shares of a promising company.

First, take care of obtaining a license from the Federal Financial Markets Service, which will enable you to buy and sell shares, and then look for a promising company. There are chances to get a good profit with a modest investment, but there is a certain adventurism in this. After all, you can both become the owner of a big win (it is worth remembering only the exorbitant growth of Apple shares), and burn out. But with a careful choice of the object in which you want to invest, you will definitely remain in the black, or at least return the invested funds.

Investing money is possible not only in existing firms and companies, but also in projects that exist at the level of ideas. In recent years, it has become very common to invest in so-called start-ups - interesting business ideas or start-up entrepreneurial firms. It is interesting that in this case we are talking not only about real business, but also about projects for the production of new products, ideas for making money on the Internet, etc.

The fifth way to invest is in mobile applications

A very promising way to invest your own funds in order to increase. You could consider it when studying options for investing money in startups, but on the other hand, we would like to make it a separate item. The fact is that the market for mobile applications is currently flourishing, all of them are in great demand, and among young programmers there are many who have great ideas for creating something new. These are not necessarily some exclusively new services, but there can also be upgraded versions of familiar things - applications for searching, reading e-books, new games, and so on. So, if you met a good IT specialist who simply does not have the funds to implement his ideas, then you should think about investing money in his project.

The sixth way is to invest in a working course on the Internet

Now there are a lot of different courses on the network, some are working, some are no longer profitable, but are sold only for the personal benefit of the author. And in fact, there are a lot of courses that do not work, and people are just wasting money, and thus many leave the Internet without getting results. Our editors have selected a number of courses that really work and make a profit. Study each one so that you can work on the one that suits you best.

Real estate, business.

Bank deposits (deposits)

This is the easiest, most elementary and reliable way to invest. You give yours to the bank under certain percentage. Bankers "scroll" this money by investing in other financial instruments. For which you receive a predetermined percentage of profit.

For example, you invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but already at 20% per annum. As a result, the bank in a year returns your funds to you with accrued interest, and pockets the remaining difference.

The advantage of investing in a bank is that you know exactly how much money you can receive after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular deposit using a deposit calculator, and if you need to calculate the amount of overpayment on a particular loan, then use a loan calculator.

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way to invest. In short, mutual funds are a collective financial instrument, when investors' money is invested in one big pot and then professional managers multiply this one big amount of funds by various methods.

Shareholders' funds (as those who have invested their money in mutual funds are called) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but they are managed. Any fool can just buy shares. The task of professional managers is to find such stocks that have fallen in price at the time of purchase and there is a possibility of their further growth.

In order to determine this probability, technical and fundamental analysis is used, the economic situation is studied both in the world and in a particular region, news is monitored, as well as many other parameters that are too complicated for a simple layman.

This is the essence of mutual funds, to save people ignorant of these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is easier to transfer this money to those people who have plunged into the topic of investing with their heads and have a lot of experience behind them. At least at the initial stage.

Further, as your experience in financial matters grows, you can start buying stocks, bonds and other investment instruments on your own. More on this later, but for now let's get back to mutual funds.

Compared to other financial instruments, investing in shares is more profitable in the long run, but at the same time very risky.

Here you need to constantly keep your finger on the pulse, monitor the situation in the markets, so as to prevent the loss of capital in a strong fall in financial markets that occur during all kinds of crises.

To more clearly understand what profit can be made on shares, watch the video “How to earn 678% profit on Sberbank shares”.

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are not inclined to risk. It is very difficult to get a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, this financial instrument can hardly be called a profitable investment.

However, this does not mean that bonds should not be invested. The fact is that it is not recommended to “keep all your eggs in one basket”. Experienced and successful investors always spread their funds in several different instruments in order to reduce their risks.

Imagine that you have invested all your money in stocks, but after a while there was a crisis in the market and their prices fell. Along with this, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but you will win on other instruments. But back to bonds:

A bond is a debt issuance security that confirms the right of its owner to receive a certain amount of money from the issuer.

And in order to understand how to properly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from English.FOReign EXchange- foreign currency exchange) is a market of interbank currency exchange at free prices.

The essence of Forex is speculation with the currencies of various countries. For example, you bought 100 euros for 90 dollars. And after some time they sold these 100 euros for 120 dollars. Thus, earning $ 30 on this transaction.

In Forex, trading always takes place in currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state does not receive profits, but the country needs to be supported somehow. Since Greece is part of the European Union (EU), everything in this country is sold and bought in euros.

Thus, the instability of the economy of one state influenced the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro against the currencies of other states. It is on such movements that money is earned in Forex.

This method of investing can be called profitable only if you yourself trade on Forex, when you already have extensive experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune in forex. But those who tried to get rich on this and went bankrupt - millions. Draw your own conclusions.

Cumulative life insurance

This way of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program to accumulate, preserve and increase your capital.

If ordinary insurance simply pays you a certain amount in the event of an insured event, then in this case, if nothing happened during the entire period of the contract, you will be able to receive either the entire amount accumulated over the years, or receive a monthly payment until the end of life.

OFBU

OFBU stands for Banking Management General Funds. In fact, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing in OFBU you have the opportunity to increase profits through wider investment combinations. On the other hand, it is more risky.

There were cases when OFBU showed a yield of 600% per annum. However, the main problem lies in the fact that the activities of OFBUs are not regulated by legislation, which is why they are less subject to control, unlike the same mutual funds.

There are also cases when the short-sighted activities of managers led to the complete collapse of the OFBU.

You can read more about the activities of general funds of banking management here:. On my own behalf, I will add that at the moment it is best to invest in OFBU such an amount of funds that you will not be sorry to lose if something happens.

hedge funds

I must say right away that in our country this is a relatively new and not sufficiently developed financial instrument, which is available only to wealthy clients.

The minimum entry amount here starts from a few hundred dollars to a million. In the West, hedge funds are very popular.

Hedge funds do not have a clear regulatory framework, which allows them to freely choose enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super profits and huge losses.

One of the most striking examples of hedge funds is the Quantum fund, founded by the notorious , who was able to make a profit equal to $ 1 billion in a day!

Structural (structured) products

A structured (structured) financial product is a complex financial instrument that is issued, as a rule, by commercial and investment banks and is created to meet the specific needs of clients.

This financial instrument became especially popular during the crisis. After all, when you invest in a growing market and constantly receive good profits, this is one thing, but when the situation on the markets is not stable, especially during crises, many investors are trying to find reliable ways to invest funds that will give them greater profits than banking deposits.

The essence of a structural product is simple - part of the funds, as a rule, 80-90% is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst case scenario, to stay with your money and not lose anything, at best, make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

But again, nothing to compare it to. For example, the most successful investor in the world, Warren Buffett, has been providing his clients with about 24% per annum over the past 35 years. 24% per annum does not seem to be much, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal has been a symbol of wealth and power, so it has become the cause of quarrels, robberies, murders and even wars.

Gold should not be considered as the most profitable way to invest, despite the fact that in recent years it has risen in price a lot. The fact is that most often gold acts as a refuge for investors in difficult times.

When crises dominate the world, in order to wait them out, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis recedes, investors immediately look for more profitable ways to invest. This is the reason for the rise in the price of gold in difficult times. But then, the price of precious metals inevitably falls.

Real estate

Real estate has always been a profitable way to invest. Not only that, real estate itself does not depreciate and, as a rule, it only rises in price from year to year. But real estate also allows you to receive passive income from renting it out.

True, there is one serious “but” here, which is the high cost of real estate. In fact, this is an investment for wealthy people. Because of what, this method of investing should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

True, there are exceptions. For example, you can profitable to invest in real estate at the stage of its construction. At this time, as a rule, there is no need to pay the full cost of housing and you can pay a certain monthly part.

Thus, if you have the opportunity to deposit the required amount and this will not affect the quality of your life, then you can safely look for suitable options. The fact is that at the construction stage, a square meter of housing costs much less than later, when the construction is completed.

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profit changes. The riskier the financial instrument, the higher the return it can bring. However, so is the loss.

Each of these financial instruments has its own advantages and disadvantages. And under various life circumstances, it is worth choosing the best ways to invest. But, personally for myself, I have already determined the most profitable way To invest money is a business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments do not depend on you. They depend, for example, on the current market situation, on the conditions determined by other people, on the financial results of a particular company, on the actions of speculators, on marketers developing certain financial products.

Building your own business is entirely up to you.

This is where you set the rules by which you will play. Here you decide how much income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word is yours, even if you decide to sell it.

In 2007, I opened my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressers, in which I installed a solarium, all the necessary accessories, planted an administrator and began to earn money.

This business has many benefits. I will talk about them in future releases. For now, I just want to draw your attention to the fact that this business has brought me good dividends. For the year I received more than 100% per annum.

It was a great test, during which I was able to show many of my talents. Organizational skills, managerial skills, design talents, tested his advertising vision.

I regularly conducted various marketing researches, collected analytical data, negotiated, looked for suitable premises - this is just an incomplete list of those areas in which I applied my knowledge and experience, or mastered new horizons.

When you are employed, you don't have as much responsibility as you do in your own business. These are very different measures. Hired labor is someone else's. Your own business is yours. You are your own boss. You decide how and when you work and not work. You don't have to report to anyone. This is a fantastic state.

Creating your business, you feel like a creator, artist, a poet. You create your own product or service. And only you are responsible for its quality. It was a very interesting period of my life, when I had to worry a lot, rejoice, worry, strain, enjoy what I did.

Building your own business is very strengthened my faith in myself. If before this event, I had a lot of complexes, fears, worries, doubts, prejudices, then after I organized my business, they melted away like smoke. I am strong. I got stronger. I grew up.

Why am I saying this?

In order to convey to you the idea that by investing in your own business, you receive not only material benefits in unlimited quantities, but also develop in many areas of life including personal and professional growth.

It is unlikely that you will achieve similar results by investing in deposits, shares, mutual funds. Therefore, if you have Free money And you are looking for where to invest then think about starting a business.

If you don’t have free money yet, then urgently start leading in order to collect initial capital. On this topic, I have, which will help you in the near future to accumulate initial capital to create your own business.

Personally, I did not take any loans from banks, did not borrow money from friends and acquaintances. Everything I invested in my own business was the result of my effective management of the family budget.

Now, I am developing several businesses. It's very interesting and exciting. These projects bring me much more profit than when I was employed. These businesses bring me more money than bank deposits or any other financial instruments.

At the same time, I am completely “purple” for crises and everything that happens in the world.

It does not affect my income in any way. This does not mean that I do not work with other financial instruments. Some of my funds lie in bank deposits, some of the funds are invested in shares of various companies, and I regularly buy additional assets of interest to me. Also, there are investments in mutual funds and pamm accounts.

I regularly monitor what is happening in the financial markets and, depending on the situation, make decisions to buy or sell certain products. Investments are a very interesting and big topic, in which there are no limits to perfection.

Don't be afraid to take risks, choose what works best for you, accumulate funds and financial freedom and independence will not be long in coming.

P.S. In conclusion, I suggest you relax a bit and watch a breathtaking video. You have never seen such amazing beauty.

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