How to reduce risks

How to reduce labor intensity

How much money to invest

Current types of low-risk investments

What to look for when choosing where to invest

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

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

Yield

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

Risks

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

Labor intensity

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

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

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

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

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

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

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

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

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

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

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

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

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

Profitable savings

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

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

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

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

• Risks
• Payouts
• Labor intensity
• Investment amount

Many people think that minimal risk with good returns are incompatible concepts. But is it really so?

Yes, it is possible, but only if it concerns conservative or moderately aggressive investment in liquid assets, where the safety of investments is guaranteed by the state itself.

Today, there are many investment options where you can invest your money with minimal risk.

Let's consider them in more detail.

Bank deposits

Despite the current situation that has developed around the banking institutions of the country, deposits still remain one of the best and most reliable types of investment.

Recall that recently, due to the difficult economic situation, licenses have been revoked in many regional (small) and even large banks.

At the same time, it is necessary to take into account the fact that this investment option is perfect for those categories of citizens who are ready to deposit at least an amount of interest.

Depending on what goals the investor himself has, the type of deposit is chosen:

• if there is a desire to try yourself in long-term investment, the best option would be to issue term deposit for a period of 1 to 3 years, at a high fixed percentage;
• for those citizens who plan to regularly replenish their deposit, it is recommended to issue the type of deposit where there is opportunity to take advantage of interest capitalization. It is worth noting that in this version of the deposit, the interest rates are low, however, due to constant replenishment, you can increase your capital well;
• if investors regularly need cash, it is necessary to choose deposit option with the possibility of early withdrawal. In the end, you can make a deposit with the withdrawal of interest per month (once a month you can withdraw your income).

In the case of deposits, attention should be paid not only to the interest rates themselves with the highest yield and other bonuses that can be offered by bankers, but also to whether deposits in a particular bank are insured or not.

If the deposits are really insured, then their safety is guaranteed by the state, and if the bank is liquidated, the deposit is returned to its rightful owner, if there is no insurance, the loss of one's capital.

The maximum deposit that is guaranteed to be returned to the owners is 1.4 million rubles. If the size of the deposit, for example, is 2 million rubles, the owner may not receive 600 thousand.

Another important nuance that you should pay attention to is the fact - in what currency should the deposit be? Here it is better to proceed as follows: divide the capital that is being prepared for a deposit into 3 equal parts, put each of them in rubles, dollars and euros. In this case, the investor in any case invests at a high interest rate in the bank.

In the period 2017-18, it is advisable to purchase the yuan, as the World Bank predicts rapid growth for this currency.

Investing in bonds

For those categories of investors who do not perceive the deposit as a source of stable good profit, there is an opportunity to use financial instruments such as bonds.

By definition, a bond is a security that is issued by a country, government entities, municipal organizations and is generally perceived as an IOU.

The bonds themselves can be purchased with the help of brokers in the same way as: stocks, futures, options.

One bond is equal to 1 thousand rubles. For this reason, you can buy as many bonds as the capital itself allows.

In this investment option, profit is formed from several facts, namely:

• from the very difference between buying a bond and selling it (a bond costs less than face value, and after a few years it can significantly increase in price);
• coupon profit.

It is necessary to take into account the fact that bonds can be redeemed in the period from 1 to 25 years, while foreign - up to 50 years.

Moreover, if you choose coupon income, then it can be fixed or directly tied, for example, to the refinancing rate or to the inflation rate in the country.

Investing in stocks and Eurobonds

To ensure that investing in shares does not bring with it great risks of losing your capital, it is recommended to purchase securities of exclusively advanced organizations operating in the domestic or foreign market x.

Shares that were purchased from large, well-developed companies provide a guaranteed stable income to their owners. At the same time, liquidity allows you to additionally earn on the difference in the price of these shares.

When investing in this area, the best solution would be to purchase such types of shares as:

• so-called "blue chips", which refers to the shares of large domestic organizations that are included in the RTS index or the MICEX;
• so-called “second-tier” stocks, which can bring big profits, but at the same time there is a high probability of becoming bankrupt due to a decrease in their cost;
• shares of the world's largest companies Google, Amazon, Apple and so on. As a rule, the risk of becoming bankrupt here is almost zero, and the profit is more than substantial;
• purchase of Eurobonds. These are shares of domestic enterprises that are issued in foreign currency - dollars, euros, pounds, and so on.

In the event that an investor has managed to form for himself a universal portfolio of shares of successful enterprises, he has the right to expect an income ranging from 17 to 20% per year from the amount of investments.

Structured products - what is it?

The final type of conservative financial instruments are structured products or products with excellent protection. At the same time, they differ from steel varieties of investment in a considerable amount of capital that is required for entry - about 100-200 thousand rubles.

What is meant by the term “structured products”? By and large, this is very complex financial portfolio, which includes quite a few tools:

• deposits;
• indices;
• insurance and so on.

More specifically, this product is a ready-made investment strategy, which is tritely acquired by the investor himself.

The release of such products is carried out by banking institutions, brokers themselves, or directly by investment funds.

The main types in this direction are considered to be:

• investment shares;
• indexed deposits;
• trust management agreements;
• bonds, bills, etc.

If we talk about risks, here we can note several varieties of structured products:

• guarantee of return of invested capital in partial volume. An example of this can be a guarantee for a return of 92-95% of the investment amount;
• full return on investment guaranteed. Everything is simple here - in case of any troubles, a 100% return on investment is guaranteed;
• nominal investment guarantee. This terminology implies the virtually complete absence of guarantees for the return of investments.

At the same time, it must be remembered that the only option in which the bankruptcy of the investor may occur is the bankruptcy of the issuer itself.

Investments at high interest with maximum risks

Consider options for investing your capital in projects with maximum profit, but also high risks.

Investing in mutual funds

The essence of mutual investment funds is simple - the investor transfers his capital to the fund's account, where they are combined with the funds of other investors, and then the shares of any companies are purchased for the total amount. Dividends received from shares are divided among investors in equal shares.

At the same time, the investor does not perform any operations on his own - this is done by professional managers.

As you can see, each banking institution has its own mutual funds with their own interest rates. At the same time, the risk itself lies in the fact that these investments are not protected by the state.

Investing capital to provide loans in the Webmoney system

WebMoney is a payment system that works on the Internet. With it, you can make purchases of any goods and services. At the same time, it is possible to issue loans to each private owner of the system.

From the photo you can see that users can set the maximum loan amount that they offer to take out at home, the interest rate and the debt repayment period.

At the same time, it is necessary to pay attention to the fact that only those users who have passed the identification process can provide loans, including those who can issue them. In simple words, they uploaded their passport data.

Investment option for various MFIs

Surely many people know what an MFI is - it is an analogue of banking institutions that provide loans on loyal terms. Moreover, they provide mostly micro-credits.

If we talk about the benefits of investing in MFIs, these are annual percentage of profit, which can reach about 40%.

If we talk about the disadvantages of this type of investment, then today there is such a tendency that approximately 50% of such MFIs are liquidated per year, and therefore there is a high probability that you can go bankrupt.

Investment in Internet sites

Today, there are over a trillion sites on the Internet, most of which bring good profits to their owners.

It is worth noting that each site is someone's project, which has its own individual design and activities.

With the help of modern technologies, even a schoolboy can make up a website today, spending only a few days on it.

At the same time, the main problem of investing in this direction is that many people invest in the unprofitable direction of the site. In addition, there are other disadvantages:

• lack of any guarantees;
• you need to have basic knowledge of website promotion;
• it is necessary to have a clear development strategy.

If we talk about the benefits themselves, it is that you can achieve a profit of 100-200% of the investments themselves, while such income will be monthly.

From the screenshot, you can see that the “Income” column shows how much the site owner earns monthly.

The “Price” column indicates how much you need to pay the owner of the site if someone wants to buy it.

On average, the period from the payback of their investments to making a profit can vary from six months to 3 years.

Investments in social networks

We all use social networks, go to various groups and read funny or useful posts. However, few people know that the administrators of these groups receive income from the ads they place in their groups.

If we talk about the investments themselves, then the cost of the group directly depends on such factors as:

• attendance;
• the number of subscribers;
• user engagement.

From personal experience, we can say that the cost of one subscriber when buying a group varies from 15 to 50 kopecks. At the same time, it is easy to calculate if the group has about 100 thousand subscribers - its cost is 20 thousand rubles.

This price is indicated when buying groups in Odnoklassniki.

In the presence of such a group, you can receive an income, on average up to 5 thousand rubles per month. But at the same time, you need to be prepared for the fact that at any moment, without explaining the reasons, the administrators of the social network itself can block the group, and thus all investments “merge”.

video consultation

One of the most popular videos on the topic. Pavel Bagryantsev talks about the universal and most effective investment of even small amounts.

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Currency, bank deposit or real estate: where is the best place to invest your savings? AiF.ru found out from experts.

Tamara Kasyanova, Ph.D. PhD, First Vice President of the Russian Club of Financial Directors

Today, there are practically no low-risk investment instruments left that Russians could use.

Deposits in foreign currencies, such as the dollar or the euro, against the backdrop of fluctuations in energy prices may not be a profitable investment. In order to earn on the exchange rate difference, it is necessary to operate with much larger amounts than even the insurance amount on deposits in the amount of 1.4 million rubles. For example, if the exchange rate of the Russian currency falls by 5 rubles, the benefit will be a little more than 100 thousand rubles.

At the same time, Russians are very reluctant to change old habits: people are used to investing money in parts in different currencies, precious metals.

Real estate also remains a popular investment format to save accumulated funds. Meanwhile, the category of citizens who have the opportunity to store money in real estate is unlikely to be "irresponsible" and lose their invested income.

Keeping money in deposits at the current rate of inflation can be a futile exercise. Most likely, it will only be possible to achieve the preservation of their real value, taking into account inflation.

It is likely that the purchase of investment coins will be one of the few justified investments today.

Alena Afanasyeva, Senior Analyst, FOREX CLUB Group of Companies

There is no single answer to the question “where is it more profitable to invest money?”, Since everything depends on the investment horizon and the amount of funds.

If you have small savings that you may need in the near future, then it makes sense to consider either deposits with the possibility of early withdrawal of funds or short-term investments in financial markets. In the first case, you will receive a minimum profit, and in the second, your actions will be associated with certain risks of losing part of the funds, although with a favorable outcome, the profit may be quite high.

Of the financial instruments, precious metals may have growth prospects, and silver has even higher potential than gold. In addition, over the coming months, it is possible that the euro will strengthen against most currencies in connection with the current monetary policy of the ECB.

If we talk about long-term investments, here we can consider the purchase of residential or commercial real estate, since prices have seriously dipped at the moment, and the growth potential in the future of 2-3 years is quite high. However, there are disadvantages here: large amounts of investment, long term and low liquidity of such property. It is not a fact that if you need money, you will be able to quickly sell housing at the desired price.

In the longer term, stocks of Russian companies and Russian indices have good potential. As long as our country remains a risk zone, most investors prefer to refrain from investing in local assets. However, as soon as the course towards warming relations with the West is taken, the economic environment will become more attractive for investment, which will entail an influx of capital and a logical increase in share prices. The parallel strengthening of the ruble will only accelerate the process of appreciation of Russian assets. However, in this scenario, the share of uncertainty due to the geopolitical factor is too high. In addition, the economy will need at least 2 years to show a full recovery from the current "bottom".

Kirill Yakovenko, analyst at ALOR BROKER

In the medium term (3-6 months), the optimal placement of free funds, in my opinion, will be the purchase of a stake in Russian companies. In May-July, shareholder registers will be closed for many issuers, and if you own their shares during this period, you can count on good dividend payments - up to 25%.

In the long term, it is better to transfer funds to professional asset managers, they are able to generate profits of 30-60% per year in both rising and falling markets. Now almost every brokerage company provides such services.

At the same time, one should not rush to invest in bank deposits and foreign currency in the near future, since against the backdrop of the strengthening of the ruble and lower deposit rates, they are unlikely to help outpace inflation.

Where to invest money at interest: 12 basic rules to avoid bankruptcy + 5 directions for investment + 6 undesirable options for deposits.

Almost everyone sets themselves the goal of financial independence and well-being in order to meet all their needs, while not denying themselves anything. However, not everyone achieves this.

Of course, for this you need to have a mind and work hard. But such conditions also do not guarantee a comfortable life. Therefore, many get out as best they can.

Some prefer to go fraudulent or gambling, others are looking for projects that where to invest with interest.

Indeed, investments can bring good returns. The problem is that all existing options have their own risks and peculiarities. And, of course, it is necessary to understand at least the basic principles of money circulation.

Otherwise, it will be possible to say goodbye to the money earned with blood and then. To prevent this, we suggest that you familiarize yourself in detail with various methods, as well as sources at interest, study all the nuances and draw conclusions.

We study standard options where it is better to invest money at interest

To the question: “Where is it better to invest money at interest?” economists and experts can answer more informatively. Moreover, the opinion of each of them also diverges.

Therefore, the right decision is an independent analysis of all methods, based on the size of the existing asset, the desired return, timing, and the amount of investment risk.

Making forecasts for 2017-2018, analysts report little comforting news regarding investing money at interest and the economic situation in general.

The unstable situation, fluctuations in interest rates on loans in banking institutions, the fall of the national currency make people who want to have confidence in the future wonder what will happen in the near future.

Because of this, many people think about investing their money at interest, and the relevant organizations provide such an opportunity.

But before you understand the sources for investment, learn the basic principles of investing money in order to avoid losing them.

Experts in the field of economics and finance strongly recommend adhering to the following rules, which apply to absolutely everyone:

1. It is worth investing only your own money. If you do not have good capital and intend to take out a loan, know that this is a bad idea. The loan imposes an obligation on you to return the money, and if you “burn out”, you will need to pay with your own money, which you will not have.
2. Make a list of the pros and cons of each option beforehand., where you can invest in order to choose the most optimal one.
3. Do not plan on spending money, especially the first money received from investments. Accumulative capital is cumulative because it is not spent on entertainment and personal needs.
4. It is better to invest in different projects. In the case of diversifying (distributing) a large amount of money, you minimize the likelihood of a complete bankruptcy.

Withdraw interest sooner to avoid losing money. Suppose you decide to invest 10 thousand rubles in an investment company at 10% per month. If the money is left in the work of the project, in 8 months the amount will double.

You will have 20 thousand rubles, half of which will be your net profit. The first deposit has been repulsed and it is desirable to withdraw it, and the passive income will be brought to you in the future by the 10 thousand rubles left on the balance sheet.

Demand the provision of results on investment projects. This will protect you from fraud in 90% of cases, because scammers will not be able to fulfill your request.

Organizations that operate transparently and honestly have nothing to hide, so it will be easy for them to demonstrate their financial performance.

5. Be flexible. The investment market and the economy are quite volatile, which makes it necessary to adapt in order not only to save, but also to increase money.
6. It is worth investing your capital in the area in which you understand. Do not even think about investing in Internet startups when you yourself have worked in the rural industry for 5 years.
7. Gather information about investment project managers where they intend to invest. The success of the project in most cases depends on the persons occupying the leading positions. Following this principle to some extent will allow you to make predictions for the future.
8. Explore the product or service in which you are going to invest. The object of capital investment at interest should be known as much as possible.

Invest some of your money in international companies. Due to the influence of local factors, each industry or a single region is not immune from risks, so the crisis can overtake anywhere.

However, international organizations are less exposed to risks and are more reliable and stable.

9. Do not be lazy to carry out calculations, analyze news reports and charts, analyst reports. Of course, this will not give you a 100% guarantee of the correct investment of money at interest. However, this will allow you to become an educated investor and achieve greater awareness.

So, it is proposed to invest money at interest in such sources:

• credit and banking institutions;
• real estate (residential, commercial);
• securities and financial instruments;
• Internet projects;
• and etc.

One of the Western publications conducted a study to find out where different segments of the population prefer to invest. It turned out that poor people send money to return of debts, secured - in companies and securities.

Option number 1. The essence of investing in a deposit account.

Bank deposits on the scale of popularity of investing money are in first place. In fact, the investor gives the bank a loan at 10-15% per annum. The Bank, at its discretion, disposes of this money during the entire investment period.

Investing money in credit and banking institutions is associated with low returns. However, the reliability of this option for most is a decisive factor. Therefore, if you do not know where to invest money at interest safely, a bank deposit is what you need.

If money in the amount of up to 1.4 million rubles is placed on a deposit, investments are insured against bankruptcy by the state.

More benefits can be obtained if you invest in foreign currency. Many distribute their funds into three deposits: euros, dollars, rubles and invest in different banking institutions. Interest income will vary depending on the amount invested.

Benefits of investing in a bank:

• minimal risk,
• low entry threshold (no need to have huge amounts of money to invest in a bank),
• fixed income,
• guarantee of receiving money even in case of license revocation,
• the possibility of early withdrawal of profit (interest on the deposit).

Disadvantages of investing in a bank:

• small percentages.

To open, it is important to consider the following aspects: the investment period (the best solution would be 3-6 months), currency, interest and the bank itself (preferably the state one).

The most reliable banks in order to invest money at interest are:

• Sberbank (detailed conditions can be found here: https://data.sberbank.ru/moscow/ru/person/contributions);

  

• VTB 24 ;

  

  

• Rosselkhozbank;

  

• Uralsib;
  
  
  

  

• Alfa Bank ;

  

• Gazprombank.

  

Option number 2. Is it possible to profitably invest money in real estate at interest?

Also a popular option where it is profitable to invest money at interest is real estate. Some believe that this method allows you to save capital, but not accumulate. However, this is misleading.

If you have a large amount of money and certain knowledge, investing in real estate is an opportunity to receive monthly interest. The maximum profit can be obtained, according to experts, if you invest in buildings in which it is only planned to fill the foundation.

Premium real estate brings considerable interest. At the time of construction, depending on the location, it can be bought at a price of 3-10 million rubles. Upon completion of construction work, the cost of housing will soar at least 3 times.

Profitable to invest in one-room apartment. After its purchase, the premises are rented out. First you return the invested funds, and then you receive income.

In this case, it is necessary to purchase an apartment near the metro or in the city center. This will increase the rent significantly. Studying the infrastructure of the area will help make the investment more profitable.

In metropolitan areas, capital is often invested in commercial real estate, i.e. non-residential premises for the purpose of leasing or resale as a warehouse, office, shop, retail space.

To resell a property, you need to establish its initial value, based on current market prices. The potential level of profitability shows the economic feasibility of investing money in housing.

For example, renting a one-room apartment can bring you 6% per year. Let's add another 20%, which we get due to the general increase in real estate prices (the figure can vary significantly in each individual region of the country).

The sum is the rate of return. However, it should be borne in mind that it does not take into account such factors as depreciation and overhead costs, insurance, downtime, tax payments and similar costs.

As practice shows, such an investment of money brings profit only in the long term. If you are waiting for income here and now, it is worth investing in something else.

If you decide to invest in housing, first consult with experts, as only they can determine the economic downturn, when such investment activity is most profitable.

Benefits of investing in real estate:

• a sustainable prospect of earning income through the constant rise in housing prices;
• the chance of losing money is minimal.

Disadvantages of investing in real estate:

• dependence of profitability on the cost of acquisition;
• the need for a large amount of money to invest in the purchase of square meters;
• low liquidity for urgent sale.

Option number 3. Where is it more profitable to invest money at interest, if not in securities?

Financial instruments like securities are another of the options that exist today, where it is more profitable to invest money at interest. In order for investments in shares to be economically profitable, it is necessary to have all the necessary information in this area and feel like a fish in water in it.

For this reason, few manage to get good interest on the idea of ​​investing in securities. Therefore, if you do not feel 100% sure, it is better to turn to qualified traders for help.

How do you get money by investing in securities? By investing in shares of a company or organization, you become its co-owner.

In the form of interest, a certain share of the company's profit (dividends) is paid monthly or quarterly, commensurate with the number of purchased shares.

Changes in the price of securities occur in the market every day, and accordingly there is a need to know when securities should be held and when to sell.

Advantages of the decision to invest money at interest in stocks:

• the possibility of making a good profit not only on dividends, but also on resale (sometimes at a price several times higher than the initial one);
• ahead of inflation;
• acceptability of investment of money in parts.

Disadvantages of investing in financial instruments:

• the need to have impressive experience and skills in order to use this financial instrument;
• you will receive interest last after distributing it among creditors, suppliers, employees;
• there are risks of bankruptcy due to the depreciation of shares, the possible economic insolvency of the organization.

At the same time, the presence of 1-5% of the shares gives you the right to take part in the board of directors, the right to vote on managerial decisions. Depending on how successful the year was for the enterprise and your skills, as well as the type of action, you can get 50-60% profit per year.

Since the number of domestic private investors in securities is small, there is little competition in the Russian market. To fully invest in stocks, you need an amount equal to or greater than $ 5,000.

The largest international companies offering to invest in their shares at interest are:

• mastercard,
• coca-cola,
• google,
• Adidas
• Nokia.

Among Russian companies where you can invest in the purchase of shares:

• Gazprom,
• Sberbank,
• Yandex,
• Rosneft,
• Lukoil.

It is advisable to invest small amounts of money in bonds with short-term maturity. Based on the advice of a broker, you can buy securities, for example, Rosselkhozbank or Transaero airlines. The average yield will be 11-14% per annum.

Option 4. Is it worth investing money at interest in Internet projects?

Websites are recognized as one of the modern options where many people prefer to invest money at interest. More precisely, their development for subsequent monetization.

But for effective investment in Internet web resources, you definitely need to know the methods of how to get money on them in the future and understand the basic principles.

The degree of risk is relative. They can be minimized by correctly evaluating the prospects of the object, where money is expected at interest.

First, you study the profitability of a niche, thereby choosing the subject of the portal. Then you give money to purchase a website, a domain and pay for hosting, you bear the cost of hiring a workforce: programmers, webmasters (if the resource is not ready), copywriters and seo-specialists.

The performers will be responsible for filling the Internet project with unique content, its optimization and promotion.

In the case of investing money at interest in a profitable idea, with the right strategy, you can achieve a profit of 100-200% within a year, and also come to a passive income that does not require your direct participation.

Pros of investing in websites:

• high profitability in a relatively short period of time;
• the need for a not very large amount of money to start;
• the possibility of scaling the process in the future.

Cons of investing money at interest in Internet projects:

• the need for deep knowledge;
• high risks of non-return on investment.

To receive monthly interest, you need to use different methods of receiving money: CPA affiliate programs, MFA sites.

What does the decision to invest in CPA affiliate programs imply? It includes searching for a relevant and profitable offer (company, advertiser's offer), and connecting to it.

In simple words: you place an affiliate link on the site and attract users.

If you invest money at interest in MFA sites, you will receive profit from contextual advertising. This method will not bring much income, but there is a significant advantage in placing Google AdSense ad units.

They are a profitable means of getting money, but only in case of good traffic and a good choice of topics for your portal. Thus, a medical resource with daily attendance of 2-3 thousand users will bring an average of 15-20 thousand rubles. per month.

They can also act as assets. This implies a decision to invest in:

• purchase of popular public pages, communities and groups (for monetization or promotion and further resale);
• creation and promotion of games and applications.

Option number 5. Offline business: why is it advisable to invest in Russian enterprises?

Often, as an option for investing money at interest, experienced analysts and financiers recommend choosing a domestic business, the annual profit from which can be at least 40-80%.

This is the most optimal value, since lower interest rates are not economically beneficial for the investor, while larger ones can lead to loss of money.

If the company is consistently making good profits, this indicates its development and success. So, you have a guarantee that the organization will not go bankrupt, and you will not lose money.

Examples of where you can profitably invest in an offline business in Russia:

1. Yekaterinburg Feed Mill (https://korma-ekb.ru)

   An acceptable amount to invest in a business is an amount in the range of 50-300 thousand rubles.

   If you invest for a year, you will receive 40%, for two - 95%, for three - 150%. Interest is paid at the end of the term. There is an early refund if you warn about it at least a month in advance.

   Official moments: you arrive at the enterprise and conclude an investment agreement. The contract is registered in the State Register.

2. Agriculture, animal husbandry in general. In this case, you can conclude a contract for 12 months, if necessary, its validity period is extended. The optimal amount of money that it is desirable to invest - from 50,000 to 500,000 rubles.

   In this case, interest is paid annually or at the end of the term (50%).

   To invest in agriculture, it will be necessary to conclude an agreement between the investor and the farmer. A bail is provided.

Among the most profitable are such projects for investment in the field of agriculture:

• KFH and Partners ( https://kfh-ff.ru)
• "World of the Earth" ( https://mirzemli.ru)
• GeoDevelopment ( https://www.geodevelopment.ru)

Advantages of investing money at interest in an offline business:

• impressive profit margin;
• the ability to manage the case;
• there are no restrictions on the amount of profitability.

Disadvantages of investing in Russian enterprises:

• lack of guarantees and protection from the state;
• riskiness;
• influence of market conditions on payback periods and interest rates on deposits.

Where to invest money at interest will be a bad decision?

You should see the differences between a disguised scam and a profitable project for investing money.

Investing money at interest is absolutely not profitable and even unsafe in the following organizations:

• mutual funds;
• stock exchanges;
• binary options;
• Forex;
• bookmakers.

The probability of a return of money when investing in the above options does not exceed 5%. In 95% of cases you will lose your capital. This is due to the large number of scammers who turn these ways, wherever you want to invest money, into a pyramid scheme.

Only the creators of these scams will receive interest. Equally adventurous would be to invest in online casino. Their owners and managers build their fraudulent schemes on the basis of immoderate human excitement.

Interest-bearing investments into precious metals- a good option, but its payback stretches for several years. Therefore, you will receive money from deposits in gold after a few years.

*This is how the price of gold has changed in recent years

You can also invest into art, but every year there are less and less connoisseurs of antiques and objects of cultural, historical reflection. This will complicate the resale of works of art.

If the risks of losing money on deposits are very high, it is better to wait a bit until better times, or give preference to safer ways of investing.

Now you have a general idea of ​​the common options, Where is the best place to invest with interest?. The advantages and disadvantages of each method will help you decide.

Where to invest money to receive passive income?

We offer you an overview of investment projects:

Be it real sectors of the economy or Internet projects - all methods have their own degree of risk and level of profitability. Be guided by comparative characteristics and expert advice, make a choice based on them, but always on your own. It is up to you to decide where to invest the money earned at interest.

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Hello, dear readers of the "site"! In this article, you will learn where it is profitable to invest money so that you can receive a 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 2020 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 share differs from a bond, what is the capitalization of a deposit, who are brokers and traders, it will be possible to move on to practice.

📝 Read also our article about and how to become a successful investor from scratch.

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.).

👉 In this way, 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

Please note that you can trade directly in currencies, stocks and cryptocurrencies on the exchange. The main thing is to choose a reliable broker. One of the best is this brokerage company .

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. About that, in the economy, we wrote in a previous article.

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.

Stock 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 2020 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 (read about that in our article);
• 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 historian 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 limitations . 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 2020?

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 2020 at interest - 4 best ways today

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.

In this way, 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 . We wrote more about (mutual investment funds) and how they work in a previous article.

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 limitations . 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 pyramid 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 has a clear link 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.

If you have a larger amount, for example, a million or more, then we recommend watching the video below: