Most people do not know how to multiply money in order to earn and get a good return on their capital. In this article, we will look at 10 ways on the topic.

Hello, friends! Alexander Berezhnov is with you - one of the authors of the HeatherBober business magazine.

This is the 2nd part of a series of articles about increasing your capital.

You can create such a project yourself and monetize it * him, and become a start-up investor * . If the Internet project has already been launched and is consistently profitable, you can simply invest your money in it, becoming its owner.

Project monetization- actions taken by the owner of the project to start making a profit from it. The term "monetization" is most often used for Internet projects. For offline projects, the term "commercialization" is more commonly used.

In this case, you buy ready business with an established income.

However, remember that if you do not understand anything about Internet projects and technical nuances, then you will definitely need an assistant to manage the project. It's called the "project manager".

This is a kind of hired director of your business. The project manager can either alone perform all the functions to ensure the viability and development of the project, or form his own team of assistants if the project is large and requires the participation of specialists of different profiles.

You can create and promote your project, and then sell it, or vice versa - buy the project as a ready-made business.

You can buy and sell your Internet project on the well-known exchange telderi.ru

Investing online is another powerful way to practice how to multiply money and make it work for you.

Pros and cons of making money on your Internet project

Pros:

• High return on a small investment. With an investment of 100,000 rubles, after 6 months such a project can bring you from 10,000 to 50,000 per month in the form of passive income.

Minuses:

• Requires special knowledge or costs for qualified specialists.

Method 7. Position as an object for investment

I don’t know how it is in other countries, but in Russia a position is definitely one of the best objects for investing their money for some people.

It is regrettable to write about it now, but this is a whole multibillion-dollar market, since demand creates supply and there are people who are ready to buy "bread" places in order to quickly get rich on them by illegal means.

Attention, I do not urge anyone to consider the position as a way of investing, and I myself have a negative attitude towards this method!

It's no secret that in law enforcement agencies, public institutions and even in some commercial firms, a position can be bought for a certain amount of money.

Then, at this place, you need to beat back investments - take bribes or openly engage in theft, "cutting" budgets or providing "services" within your competence.

Pros and cons of investing in a position

Pros:

• The return on investment starts from the first day you enter the “position”.

Minuses:

• The risk of running into criminal prosecution, constant anxiety.

Method 8. Relations with others

Reviewing this method, I want to start a topic about direct or indirect investment in yourself.

After all, an investment can be called any investment of any resources in order to obtain dividends* .

Dividends- return on investment in the form of interest for the period.

And dividends can be both financial and temporary or social. In a word, gentlemen, let's think broader and not dwell only on thoughts “I invested loot there - I got even more loot”.

If we invest not only money, but also time, periodically delighting our relatives, friends and relatives with gifts, then sooner or later we will become a treasure for them, we will get their favor, and believe me, this will also help you earn.

Do not neglect this way to increase your social capital, because relationships are much more more expensive than money, and it’s not interesting to somehow live alone in a big golden castle and lick your Mercedes if no one needs you.

Pros and cons of investing in good relationships with other people

Pros:

• Increasing self-esteem, developing the necessary connections.

Minuses:

• It requires not only money and time, but also versatility, the ability to communicate.

Self-esteem plays a huge role in our life. Be sure to read our article about - I'm sure you will like it very much and you will take a lot of value for yourself.

Method 9. Health and beauty

Did you know that beautiful people are statistically more successful than ugly people. This is ordinary psychology. After all, everyone wants to communicate, make friends and start relationships with nice and outwardly attractive people.

Health in this case is the foundation of beauty. Moreover, beauty, both external and internal, when it comes to charisma, intellectual and creative abilities of a person.

Be sure to invest part of your funds in health, appearance and neatness. Don't neglect it!

« Meet by clothes, and see off by mind"- proven folk wisdom!

Do not save on quality food, if possible, delegate all the routine and dangerous things in order to be in good shape and not expose yourself to unnecessary risks.

Buy a subscription to the pool, gym or yoga club, buy yourself sports equipment for classes, regard all this as a highly effective investment in yourself.

Pros and cons of investing in yourself

Pros:

• One of the most win-win investments that will pay off many times over throughout your life.

Minuses:

• Not found.

Method 10. Own name and reputation (personal brand)

Somehow I heard one wise expression and I liked it so much that I try to follow it every day:

Earn yourself a name that will earn you everything else!

In the world of business and finance, we often hear that such and such a person is not very reliable, but the reputation of another is simply iron.

This is one of our main social assets. Much more often, trusted people are trusted with large projects and big money, and as a result, the income of such people is much higher than the average.

Remember the names of great people: Steve Jobs, Henry Ford, Thomas Edison, Leonardo da Vinci.

All of them are brands in their own right, when we hear their names, we involuntarily admire what they left behind.

That is why millions of people dream of becoming famous and recognizable, because fame, fame and money are one and the same.

Do something every day that will increase the value of your name - your personal brand.

Be honest with business partners and clients, do not be late for meetings, be punctual and proactive in business.

So step by step, day after day, you will notice that you are asked for advice, offered you good money for your knowledge and skills, invited to speak at events.

All these are the first signs that your name is starting to work for you.

Do not stop, and then in a few years, for the mere mention of your person, you will be able to receive thousands of dollars.

Pros and cons of investing money in your reputation (name, personal brand)

Pros:

• Consistently brings returns throughout life.

Minuses:

• It takes a long time to develop and is easily lost with inept handling.

4. The most profitable investment available to everyone

Having considered the last 3 ways, we can conclude that the most profitable investment in all respects is investment in yourself.

Our health appearance, emotional state, intellectual level - this is the foundation for obtaining superprofits in the material world.

Every day, without exception, the first thing you should ask yourself is: “How much have I invested in myself today and what will it give me tomorrow, in a month, in a year, in 10 years?”

Whether we like it or not, the law of cause and effect rules the world, it is often called the boomerang law. This law says:

“Everything that we have done or not done, sooner or later will bear fruit. Moreover, the more systematic our actions or inactions, the faster we will receive these fruits.

Investing in yourself has one undeniable advantage - you will never lose it. Every penny invested wisely in ourselves will give us a thousand dollars in profit in the future!

5. Conclusion

In this article, we looked at 10 ways to invest in order to multiply them. Some of the methods are not as obvious as, for example, investing in a bank, but all of them, without exception, will never lose their relevance.

Along with investing in various financial instruments, we realized that The best investment is an investment in yourself.

In conjunction with other investments in tangible or intangible assets, investing in yourself gives any person amazing results, which are becoming more noticeable every year.

Finally, watch an inspiring video about how a guy became a deaf-olympic champion (having been deaf from birth)

I wish you a profitable investment and great personal victories!

Good afternoon! Today I will talk about easy way multiplying money on the Internet! If you have 1000 rubles, then without any problems you can multiply this money and get already 1500 or 1700 rubles. Yes, even 50 rubles you can increase!

Initially, I tried to conduct, let's say, arbitration on BUKS. But something didn’t work out for me, and I didn’t find a sensible way. But still, these sites can be used as a supplement.

How to multiply money on the Internet without risks?

The scheme is quite simple and here's what you need to do:

1. Register on any of the text exchanges, for example, in Etxt.biz.
2. Buy articles on financial topics for 1000 rubles or create an order so that these texts are written for you. The price can be set for 1000 characters from 20 rubles. If there are no performers, increase the price.
3. Now put articles up for sale at inflated prices. For example, one text was purchased for 100 rubles, it can be sold for 150 - 170 rubles.
4. After the turnover is completely completed, you can repeat all these steps or withdraw money! Earnings are withdrawn to Qiwi, WebMoney, Yandex Money or a Bank card!

The method is certainly cool and 100% risk-free, but if you do everything right! To really run this whole scheme, you need to be aware of the pitfalls that await everyone who tries to turn this business around.

Stones to trip over and give up the idea of ​​multiplying money this way

1. Theme of the article. Not every theme sells well. You can quickly sell what is actively in demand. To determine the demand, use the service https://wordstat.yandex.ru. Take those niches that pay a lot. For example, finance, cars, real estate. In principle, you can look at the rates on any of the text exchanges.
2. After buying an article, it may be buggy and of poor quality. Before purchasing, look at the author's rating and reviews about him. To remove the risk completely, do not buy, but rather create a task and let them write a quality article for you. You can send the text for revision as much as you like and not accept poor-quality writings.
3. Putting an article up for sale. Moderators can stop the text if they don't like something in it. Once I had such that the article was not missed only because I wrote about how to make money on texts on the Internet and indicated a competitor's exchange.
4. The period during which the article will be bought. The sale usually occurs from 1 week to 1 year. It all depends on how popular the topic of your article is. To remove this risk and quickly sell the text, you can find a buyer yourself. For example, go to a thematic site and offer to purchase an article to the author of the project. If the title interests him, then the sale is likely to happen!

Thus, before implementing this scheme, think about the topic of the article, get the text without errors and go through moderation. After that, you can just wait for someone to buy it, or wander around thematic sites and sell it to someone.

I hope the article was useful, and you will learn something for yourself from it! Good luck!

Sincerely, Maxim Obukhov!!!

Content

A rare person does not think about the question of how to increase money, because the desire for wealth is characteristic of most people. There are many reliable ways to not only save, but also increase your savings without much risk. This is quite reasonable - why should capital lie like a dead weight, set aside for a “rainy day”, when it can bring additional income without losing your purchasing power because of inflation? In this regard, putting money in a bank account will be much more effective than keeping it "under the mattress."

Ways to increase capital

It is generally accepted that engaging in various investment options requires the possession of a large amount of money, but practice often shows the opposite. There is no doubt that the owner of a solid capital will very quickly find profitable investment with a high income, but someone who has much less money can also invest with a profit for himself. At the same time, one must clearly understand that, along with the traditional method of investing in third-party projects, investments in one's own development can be no less effective.

Invest in yourself

Such an investment of funds can be called indirect, because the method of generating income will not be direct, but indirect. For example, by spending $5,000 to get an MBA, a person will be able to apply for a higher position and will earn much more than now. As a result, the difference between his previous and current annual salary may turn out to be much more than the profit from placing this money on deposit. Investment options include:

• health improvement;
• educational programs;
• other ways of acquiring new skills;
• insurance;
• pension savings.

Investments in third-party projects

This method of investment implies other options for the allocation of free capital. Multiplication methods can be very different, but the profitability here is directly related to high risks (for example, promising a good income investment projects which may well end in bankruptcy). The following investment instruments are among the most popular areas for investing funds:

• opening a business;
• placement of funds on a bank deposit or in bonds;
• investments in shares investment funds;
• development of Internet projects;
• acquisition of currency or precious metals;
• buying a property.

How to profitably invest money and increase

The main task of a novice investor who does not have a very clear idea of ​​​​how to increase money should be to find directions that make it possible not only to get a high income, but not to lose their own financial resources. That's why it's better to obey the rule here, when stability will be a higher priority than the expected profitability.

For example, buying shares investment companies or futures can provide good returns, but since the risks are very high, it is better for novice investors who are just trying to figure out how to increase their money to refrain from this step.

Investments in real estate

This is considered a popular modern way of preserving and increasing capital, because the investor has passive income from renting out, allowing you to gradually offset the costs of the purchase. A rare Internet review on the topic "How to multiply money" will bypass this method of investing. At the same time, the dynamics of prices for apartments in Moscow shows that today the acquisition of real estate is not so profitable. The table shows the price changes for the last two years:

precious metals

Investments in gold and platinum are also considered a promising direction for cash flows given the very high liquidity. Wherein financial institutions offer several different options for those who wish:

• Buying precious metals in the form of bars or coins can only be profitable for a very long-term investment. The purchase implies 18% VAT, which is non-refundable (for example, in August 2019 you can buy a 50-gram gold bar at Sberbank for 152,162 rubles, it will be accepted back from you for 115,370 rubles).
• Placing funds on an unallocated metal account may be a more convenient option - there is no VAT and there is no need to ensure the safety of ingots. At the same time, the cost of gold over the summer of 2019 shows a clear decline - for three months, the income in Sberbank on gold accounts amounted to -4.55% (which will not allow you to profitably invest your funds, because it is equivalent to a loss of 4,550 rubles from each hundred thousand invested).

Endowment insurance

The attractiveness of such a program is that it combines conventional insurance (from accidents, etc.) with the possibility of accumulating savings by the end of the contract. But even considering tax deduction, which is provided for the amount of contributions, it is difficult to consider the funded part as a serious investment tool due to the fact that there low interest. The table shows a comparison between such a program and the placement of funds in a bank (the term in both cases is 5 years):

Bank deposits

Accommodation personal finance on deposits of reliable banks provide an opportunity to receive income from 8% per annum. At the same time, the interest will be higher if the conditions stipulate that the money will not be withdrawn until the expiration of the contract. The table considers the offers of several banks with a deposit amount of 500,000 rubles:

	Name of deposit		Term, days	Annual yield, rubles
Rosselkhozbank	"Investment"
	"Maximum percentage"
Moscow credit bank	"Savings+"
Opening	"Ultra"
Sberbank	"Save Online"

Antiques and rare books

Investments in antiquities (objects of art, vintage jewelry, used books) will bring good returns only if the owner himself is well versed in this subject. In many cases, these activities are in addition to the collecting that the person is passionate about, providing an opportunity to earn extra money for their hobby. The level of income in this direction depends on two possibilities:

• search, objective assessment and purchase of necessary items at an inexpensive price (including through Internet ads, direct purchases at a flea market, etc.);
• quick and profitable sale of the existing stock in order to obtain benefits (through acquaintances, specialized salons or websites, etc.).

How to make money fast online

The World Wide Web offers many ways to increase capital several times - from online trading to earning money through social networks, photo projects and affiliate programs. At the same time, do not forget about increased precautions so as not to become a victim of scammers who lure gullible users with a high payback of the project.

Binary Options

In this case, those who are thinking about how to double their money are invited to receive income by predicting the movement of the price of assets (currencies, shares) on world exchanges. By correctly determining the increase or decrease in the rate, users receive a profit of 50-90% of the invested funds. The low "entry threshold" (starting capital starts from $5) attracts many people here. But at the same time, the experience of online trading is very much in demand in options trading, and if you don’t have it, then it’s better not to risk large sums.

Investments in start-up

Start-up means promising idea, the budget of which requires third-party funding. Projects such as Aliexpress or Facebook are brilliant examples of commercially successful start-ups. There are special platforms on the Internet (for example, Kickstarter), where the investor is offered a lot of finished projects and the owner is open to discuss financial risks and other economic issues.

Internet projects as a source of passive income

As a rule, you can receive passive income from Internet projects, having previously made efforts to create and promote them. A promoted blog is the same ready-made business, and in the long run it can turn out to be a profitable investment. It is generally accepted that the cost of a blog is equal to its current profitability in terms of a two-year period - for example, a resource that brings $300 per month will cost $300 x 24 months = $7,200. At the same time, if the blog increases traffic, it will pay off even faster.

Trading on the stock or currency exchanges

Although the occupation in both cases is similar (buying and selling assets), they are two different directions. Getting income in the stock market requires free capital from $2000 and work on a schedule. Currency exchanges (Forex, etc.) are a more democratic financial instrument, open 24 hours a day, where you can start trading with as little as $10. Information on changes in exchange rates is publicly available, and by learning the psychological component of trading (predicting the behavior of other players), you can make many successful transactions.

Investments in cryptocurrencies

Even taking into account the enormous consumption of electrical energy, this is a very popular investment method that provides a stable income when purchasing a productive mining farm. It is very relevant today to mine Ethereum and Dash, and not the popular Bitcoin, and by investing $2,000 in a farm of six video cards, you can start receiving net income with withdrawal to electronic wallets in less than a year. But this is at current price for cryptocurrency, and it can either rise or fall at any time.

HYIPs and PAMM accounts

Investment projects based on the "pyramid" principle, attracting investors high interest are called HYIPs. With a good combination of circumstances, they will bring a very good income (from 10% per day), but much more often they can close, disappearing along with the money. PAMM accounts offer a different mechanism for profit, depending on the activities of an experienced forex broker. The result is divided among all participants, bringing 200-300% of income, but the result can be negative. Online ratings of PAMM accounts will help beginners navigate, and investments here start from $1!

How to make money in business

Your own business will be your good assistant when it comes to how to increase the money without fail. In order for your business to bring a stable profit, at the first stage it is necessary:

• Choose the most promising areas where you can open your own business, taking into account the initial capital and your own skills.
• Carefully study the features of registration, taxation and accounting in the chosen area (or find specialists who can be delegated these powers).
• Draw up at least a preliminary business plan that reflects current and future expenses, as well as the beginning of the profitability period.

Selecting a fast-payback project

For those who decide to open their own business, the main criteria for choosing a suitable business will be as follows:

• The rate of return on investment. The higher it is, the more your income will be.
• High demand for the offered goods or services, which will bring a stable profit.
• The cost of equipment and the necessary raw materials should be affordable to your financial capabilities.
• High profitability based on the efficient use of invested funds.

Small amount of start-up capital

Owners of small capital (up to 50,000 rubles) need to be very careful in their business projects, counting everything, literally - to the penny. The most correct way to earn money with a lack of funds is the one where investments are minimal or non-existent:

• Selling your own services (including intellectual ones), if you have the skills, will not require large investments. The range of application is very wide - from setting up computers (600 rubles per visit) and hairdresser services (from 800 rubles per visit) to participating in court cases (from 3,000 rubles).
• Internet trading - by reselling goods from foreign sites, you can earn an income of 200% per month.
• Internet representation of large stores (Ozone, Labyrinth, etc.). Your task is to receive orders and organize their delivery to customers by renting a warehouse for storage.
• Dispatching for the provision of services of loaders, home masters, etc. It is not at all difficult to find specialists who want to earn extra money in their free time.

Minimal risks

The laws of capital multiplication say that you need to strive to minimize your risks, diligently avoiding directions that are especially dangerous. For beginners, these are:

• illegal use of someone else's intellectual property (including software and website content);
• the desire to save on proper accounting and taxation;
• trading in the stock markets and other Internet projects that require investments of several thousand dollars;
• any field of activity where you are on this moment you are not an expert.

In previous editions of our articles, we talked about how, without special knowledge and skills, and now we will talk about increasing money. And so the friends went...

For almost every person, there comes a time when he begins to seriously think about how to increase and save his money.

If you have not yet got free money, or you want to increase their amount, then you need to know a few general rules, observing which you can achieve wealth.

What you need to know to start making money

Systematic and dispassionate in the conduct of finances. As you know, money loves an account, but, unfortunately, in our society, with the help of a powerful advertising industry, a stereotype is imposed that live rich and interesting life it is imperative to spend gigantic sums on certain goods with which a happy life will be possible. Don't give in to this illusion. Clearly define what you need and what is secondary to buy and control your costs. Only this will help you increase your capital.

Create a specific financial goal for yourself and set a time frame for implementation. The result should be a program for the accumulation of money to achieve a certain material or spiritual benefit. Never forget that money is a tool, not an end in itself. It is necessary to multiply them only to achieve something.

Don't borrow or borrow. This is especially true for the purchase of goods that depreciate over time. One of the most common mistakes is taking out a loan to buy household appliances or a car. The cost of these goods falls annually, and the money spent on loan repayment could be multiplied, invested and receive income from this.

Don't go to extremes. It is important to remember that the money that is saved for savings through debt cannot increase your wealth from scratch. Also, they should not be withdrawn to the detriment of the personal budget.

Open different accounts. It is necessary to have separate bank accounts for spending and savings. The first account will be used for current transactions with daily expenses, and the second - in order to increase capital from scratch.

half rule. According to this rule, half of the money that you receive from extra income (bonus, salary increase, bonus, etc.) must be kept for your long-term goal. This rule applies to everyone, regardless of the level and source of income, and is especially true for young people. Once you get into the habit of doing this, you'll be surprised how much you can save and multiply quickly.

Make sure that your income never exceeds expenses, and with an increase in the former, the latter remain at the same level or increase only by a small amount. This is one of the secrets of how to quickly and competently increase money.

Determine the amount of monthly savings. Using simple mathematical calculations, determine your income and expenses, as well as the REAL amount that you can allocate monthly for savings.

Decide for yourself in which currency/bank/deposit you prefer to keep your savings.

Calculate family budget and keep a record of all your income and expenses. This will help organize financial activity and most competently calculate deductions, which will help to increase money as a result.

Growth Tools: Risk, Return, Guarantees

When you have free money and the question is how to increase it from scratch, do it quickly and safely, you should consider a few important points.

Important to remember! Before determining the way in which you want to increase money from scratch, you must definitely decide on two things:

1. What is the PURPOSE of increasing money.

2. What is the TERM of its execution.

It is from a competently and clearly set goal (for example, the acquisition of housing, traveling abroad, teaching children, and so on) and the deadline for achieving this goal (short-term, medium-term or long-term) that the success of all your actions depends most of all.

TO REALLY increase money is the acquisition of additional Money with the help of their accumulation by certain instruments through passive income.

Investment directions

Let's take a closer look at a number of the most popular and reliable areas for investment, which are preferred by investors.

Real estate. Perhaps the most popular way to invest and increase money, which does not require special knowledge and skills, but requires significant funds for acquisition. The main advantage of this method of increasing money is that real estate does not depreciate over time, but only grows in value. You can earn income both from the sale of property and from renting.

Jewelry. Just like real estate, the method is quite reliable, but, unfortunately, in addition to the content (namely, precious stones), there is also a design component, which over time can turn the price of a piece of jewelry as an investment object not in your favor and the increase can turn into in loss of money.

Collecting. Unlike the previous option, investing in art is very reliable way multiplying money, because over time, the masterpieces of the masters only become more expensive. The only downside, like real estate, art requires a lot of capital to invest.

Precious metals. For example, gold is a great look guaranteed income and multiplying money. Its price has always been high and steadily rising. This method is suitable for long-term savings, but when you buy the bullion itself, the state charges you a value-added tax, and does not return it upon sale. Also, each ingot is subject to examination, also carried out at your expense. So, it is realistic to increase income in this way only with additional troubles and costs, since gold needs special operating and storage conditions, as well as special insurance. All this, of course, requires additional cash costs.

Another situation is with gold coins. Unlike bullion, they are not subject to value added tax, have almost the same value as precious metal, they are difficult to counterfeit and may become interesting not only to investors, but also to collectors over time. If you nevertheless chose precious metals for yourself as a method of increasing money, then technically, it is best to use depersonalized metal accounts with this method. This feature is available at most major banks. The advantage of this method is manifested, first of all, in the absence of the need to engage in the purchase of a gold bar, operations (including closing an account) are easy to carry out, and the money is returned in full, with this method of investment, value added tax is not charged. As a minus of this way to increase funds, one can indicate that these depersonalized metal accounts, unfortunately, are not subject to state insurance.

Deposit account. Along with the acquisition of real estate, it is one of the most affordable ways to increase money, as well as to receive a clearly fixed income with a minimum share of risk and costs. You should be especially careful when choosing a bank, be sure to check its reliability and guarantees for the return of the deposit in case emergency. A number of significant advantages make this method very attractive, namely: the possibility of the contribution of small sums of money, deposit insurance and a money back guarantee in case of problems beyond the control of the depositor, the opportunity to withdraw your funds in any case (the maximum threat is the loss of interest savings). The main disadvantage of this tool is that the income is low and clearly fixed.

Entrepreneurship. Starting a business is another well-known way to get a good income and multiply your money. But in order for your own business not to be unprofitable, and so that in addition to income you do not lose your capital, you must have a set of skills, abilities and quality, as well as a rather large amount of free funds.

Participation in the stock or foreign exchange market. This method comes with high risks, but can provide big returns and really multiply your money. The success of this type of investment will depend on financial literacy, the ability to work with financial instruments, the availability of free time to analyze the situation on the market, as well as a large set of personal qualities (for example, analytical thinking, diligence, patience, diligence, and so on) without which, alas, this method is doomed to failure.

Participation in a mutual investment fund (PIF). Contribution to this type of income also requires a high level of financial literacy and good orientation in possible adverse events. external factors which may adversely affect the value of the acquired share. The advantages of this way to increase money include the ability to control the activities of the fund, the presence of professionals in managing them, as well as the diversification of risks. But it is also necessary to mention the disadvantages of such an investment, namely: the payment of money to the company regardless of the profitability or loss of the fund, the increase in the profitability of the fund is associated with increased risk, the absence of any guarantees for a return of funds, if you want to sell your share, you will income tax on him. So, it is possible to increase money in this way, but it is quite dangerous, since the risk of negative factors and, as a result, the loss of your money is very high.

Cumulative life insurance system. A fairly new method in our country to increase money. It combines the functions of life insurance and a funded program. It is possible to defer to the implementation of some costly task or as a retirement option. This method has the following advantages:

• insurance protection comes into force immediately after the first installment;
• funds invested in this type of investment cannot be seized, confiscated or divided upon divorce;
• the insurance payment under such a program is not subject to taxation.

Reliability or profitability?

Achievement of short-term goals. If you set yourself a goal that you need to achieve within a period of one year, then one of these ways to increase money will definitely suit you:

• Bank deposit.
• Bonds with a high degree of reliability.
• PIF (share investment fund).

All three ways to increase money are recognized by experts as reliable for the short term, but at the same time they will bring the least income.

Achieving long-term goals

If your goals are long-term, then you should use tools to increase money with a higher level of risk, which, in turn, can be divided into several groups:

1. Instruments with a minimum level of risk and guaranteed income. This group includes government bonds, as well as bank deposits. You can increase the money of this group minimally, but you will be absolutely sure that you will not lose money.

2. Instruments with minimal risk and NOT guaranteed income. These tools to increase money include insurance programs, so they do not give a guarantee of income.

3. Instruments with an average risk of loss. This is, first of all, the transfer of your capital to a trustee, who can both increase your money and completely lose it, and the transfer of funds to traders.

4. Tools with a high level of risk. These are tools that can be used to repeatedly increase capital, and completely lose it. These include stocks, stock exchange, investment funds. To choose the tools of this group, you must have exceptional experience and preferably an economic education.

Regularity or flexibility?

Another decision that you must make before you decide how to multiply money and where to invest it is the replenishment system. That is, how you will supplement the amount of savings. There are three possible options here:

• One-time investment (purchase of real estate or precious metals).
• Monthly deductions (deposits with the possibility of replenishment, insurance savings programs).
• Re-investment of the amount (including income already received) anew (short-term deposits and certificates, bonds, and so on).

Withdrawals

The final chord of your plan to increase money is the choice of a strategy for their withdrawal. There are three such strategies:

• Free withdrawal of funds: currency operations, deposits with the possibility of withdrawal and so on.
• Limited withdrawal of funds: deposits with renewal, securities and mutual funds.
• Difficult withdrawal of funds: long-term deposits, endowment insurance, commercial Pension Fund etc.

Conclusion

In a difficult time of crisis, the question of how not only to save, but also to increase money is very acute. One of the main reasons for this is inflation, which depreciates money. If you do not put money into circulation and increase it, but simply store it, then sooner or later inflation will “eat” it. That is why you should choose a reliable way to protect them from this problem.

When choosing a method for investing and a way to increase money from scratch, you should remember that not all methods are equally good and reliable, and in order to choose the best one for you, you must first study all reliable investment options, then determine the amount that you can realistically allocate from your budget every month to increase your cash income.

At the same time, you should ensure that your expenses do not exceed income, and savings do not go to the detriment of the main personal budget. It is also worth immediately abandoning the idea of ​​loans and borrowing both for purchases and for investing, and depending on the time you have determined to achieve your financial goal choose a program of how to increase money.

The most reliable programs on how to increase money, as well as investing funds, can be considered a deposit on a bank deposit, purchase real estate and precious metals, mutual funds, a savings life insurance deposit program, playing in the stock and foreign exchange markets, as well as opening your own business. Despite the fact that some of the proposed methods to increase funds do not require specialized knowledge and skills, financial literacy, diligence and calculation - this is the secret of success in any of the proposed options for increasing money.

It should also be understood that the accumulation of money and the desire to increase it should not be the goal itself, on the contrary, it should serve as a tool to achieve a specific goal. It is then that your success will bring not only financial well-being, but also joy and harmony in relationships to you and your entire family.

Many citizens of our country believe that only wealthy people who have decent capital can invest money. In fact, there are many ways that allow you to get a decent passive income from any financial investments. In this article, we will find out how to increase your capital with a small amount of money.

Bank deposit

The easiest way to increase your capital is to open a deposit account in a bank. This investment method is the most popular because of its availability.

If you decide to invest your money in a bank, pay attention to the following important points:

• Deposit term. Before depositing your money into the account, first carefully consider whether you will need to use it urgently;
• Type of deposit. There are programs that allow you to make additional deposits or partially withdraw money from the account before the deposit expires. Choose the option of investing funds on the most favorable terms for you;
• Currency. Pay special attention to interest rate on foreign currency deposits;
• Choice financial and credit organization. Banks offer depositors different deposit programs, from which you need to choose the best option.

A bank deposit is the most the best way, them due to inflation. If you are interested, you need to look for another, more profitable investment instrument.

precious metals

Nowadays, many people are wondering. most reliable and affordable way is the investment of money in precious metals. Some banks offer to invest in depersonalized metal accounts. In this case, you can not only save your money, but also earn on the increase in the value of precious metals.

Novice investors sometimes doubt, ? During a crisis, the cost of this precious metal usually begins to grow, but when the situation stabilizes, a reverse process occurs. Gold is an excellent option for long-term investments, as the risk of a sharp depreciation of this asset is minimal.

Investment mutual funds

Another very profitable and convenient option, how to increase your small capital are PIFs. This investment instrument works in this way - the investor buys a registered security (share), the price of which, with reasonable money management, can increase significantly. It is most profitable to invest in an organization that allows you to sell your share at any time and get money for it. Closed mutual funds exchange units for money only after the fund ceases to work. Interval mutual funds exchange securities for cash at predetermined periods. This happens several times a year.

Investing in mutual funds is considered a long-term investment. Its profitability largely depends on economic situation countries. When choosing, try to pay special attention mutual funds because their activities are controlled by the state. If the organization goes bankrupt for some reason, the owner of the funds can transfer his share to the management of another mutual fund.

Foreign currency

Many of our compatriots prefer to keep their capital in foreign currency. In principle, if you have small savings and cannot decide whether to buy 100 or 1000 dollars.

Foreign currency after a certain time, most likely, will grow in price against rubles, but sometimes its rate falls, so be careful and prudent. The most important thing is that this does not happen at the moment when you need the deferred amount. Also, at times, one currency may depreciate against another. It is also worth noting that sometimes ruble bank deposits in the long run, they bring more profit than the currency that is stored under your pillow. Therefore, if you do not know how to save and increase capital, you should not constantly keep money in foreign currency. If financial analysts begin to say that the currency may soon fall in price, it is better to sell it, and then buy it again, but already cheaper. Such manipulations will allow you to make a small profit.

someone else's business

When it comes to that, it is worth discussing separately investing in other people's business projects. Many citizens who have small savings refuse this method of investing money, because they are afraid that the project will fail and they will be left with nothing.

If you have $1,000 and are thinking about how to increase your capital, you can consider buying securities as an option. This amount is quite enough to invest it in stocks or bonds. This type of investment is suitable for people who are well versed in the stock market and can predict in advance which securities will rise in price in the near future.

The stock market is not very stable, so you have to be very careful. The issuing company may go bankrupt, and then you will lose all your funds. However, under favorable conditions, shares can bring good profits. This is one of the most effective ways to quickly increase capital, which is successfully used by many experienced investors.

Own business

This is the most difficult, but at the same time, the most interesting option on how to increase capital in 2016. Such an investment instrument is accompanied by high risks of losing money, but if your enterprise becomes successful, the initial investment will increase significantly.

If you decide to invest your savings in a business, you should remember that your own business will take you a lot of time and effort. In any case, it is worth trying yourself in this area, as you will gain invaluable experience that may be useful in the future.

To get a good return on such investments, you need to have certain knowledge. A novice businessman should know how to increase equity enterprise to make it successful and independent of external factors.

PAMM accounts

In our volatile times, many people began to think about how to increase capital without risk and keep it from inflation. The most popular way of investment, which is great for novice investors - stock market. Any person can use such an investment tool, since this does not require special education. If you do not understand anything in this matter, you can use the services of intermediary brokers who have extensive experience in trading securities on the exchange.

To control all the processes that take place with your money, use special programs connected to exchange terminals. This will allow you to receive up-to-date information, analyze it and make an informed choice. If you are limited in time and cannot afford to manage your finances on your own, seek the help of professionals. They will select a suitable fund for you to invest, assess all possible risks and roughly calculate future profits.

If you want to minimize risks and increase capital, the ways can be very different. One of them is PAMM accounts. This investment tool will allow you to significantly increase your income. By investing in a PAMM account, you sign an agreement under which your finances are transferred to trust management experienced trader. He manages investments at his own discretion, and you receive passive income from your investments.

Exchange trading

This is another, quite popular in our time, way to quickly increase capital. You can invest a little money in stock speculation. You can bid with as little as $10-$20.

This option is great for people who want to get the maximum income from a small investment. But such an investment tool is accompanied by high risks. You can make good money or even lose all your savings. In addition, trading on the stock exchange will require certain knowledge. Before doing this, it is advisable to take special training courses. This type of investment is suitable for those who are willing to learn from their own mistakes and lose their money in the process.