Hello, dear readers of the business magazine site. Today we will talk about investments. If you have money savings that you can invest and earn on it, then why not do it today. We have prepared a detailed analysis of the banking sector and show you where to invest at a high interest rate with a guaranteed income. It is important that the money not only lies in a safe place, but also works for you and makes a profit.

From our article you will learn:

• Where and how is it better to invest money in 2019 and make money on it?
• Which banks give the best interest on deposits?
• Where to invest money from 50,000 to 1,000,000 rubles to get real income?

All methods are really tested in practice and, according to many experts, are more relevant than ever. Let's get started.

We will give advice in which banks to invest money at a high interest rate with a guarantee + an overview of the TOP 10 profitable niches for investing.

Where is it better to invest money in 2019: basic rules and expert advice

Where to invest money at a high interest rate with a guarantee? This question is asked by many people year after year. Unfortunately, the situation with the modern economy is such that the usual income is sometimes not enough even for the most necessary things for life, huh? All this makes people look for new ways to earn money, which, fortunately, are not so few.

As it was 5 years ago, as it is now, and as it most likely will be in the future: there are several industries that offer savers a reliable source of additional income. First of all, these are bank deposits and work with securities. Of course, all these methods require deep knowledge, skills, and in order for them to be profitable, a serious and responsible approach is needed. But on the other hand, with a more thorough analysis, they can bring a decent additional income.

Important: when planning where to invest money, it is always worth listening to the advice of more knowledgeable people who have already managed to gain some experience in this area. Also, do not underestimate financial risks: any enterprise has them, and they must be taken into account! And the rest will be done by patience, perseverance and luck!

Where to invest money at a high interest rate with a guarantee - TOP 10 niches + expert advice

Option number 1. Buying foreign currency

In order for the invested money to bring profit, it is necessary that they constantly move in various financial flows in order to work. The purchase of foreign currency is one of the most common industries today, suitable for earning. Moreover, the most purchased currencies are the US dollar and the euro. Most of those who invest in foreign currency do so because of the stable exchange rate against the ruble, as a result of which people are not afraid that the dollar will collapse sharply tomorrow.

This method of investment can be implemented in several ways, the main of which are banks, brokerage firms. If in the first case, only a passport will be enough, then in the case of the stock market, it will be necessary to sign a binding contract. By the way, on the stock exchange, in addition to the dollar and the euro, the Japanese yen, the Swiss franc, the British pound sterling and some other currencies also have high quotes.

The main advantages of this type of income include the following:

• High percentage of profit. In some cases, the profitability of this type of earnings can reach about 80-100%.
• Ability to avoid inflation. If you know how the currency behaves in different periods, you can reduce the likelihood of falling under inflation to a minimum.
• You can practice at any convenient time. Here, a person is not tied to various conditions, so you can buy currency at any convenient time.
• Sufficiency of information. It means that a person can go online at any time of the day and “monitor” the situation. Due to the visibility of changes in rates, you can decide in advance on further actions.

Tip: for the fastest increase in capital, it is better to invest in the US dollar, if the safety of funds is in the first place, then you should choose Swiss francs.

Option number 2. Investments in works of art (antiques)

You can invest money in various works of art both in order to preserve your material wealth, and in order to significantly increase them. But, despite all these obvious advantages, in order to invest in art, you need to have a good understanding of art, as well as be aware of current trends. But first about the pros.

The first, and perhaps the biggest advantage is simplicity. In order to become a member, you do not need to obtain any additional licenses or other permits. All you have to do is look through the current catalogs or visit the exhibition or gallery directly. After that, the authenticity of the object is confirmed by an expert and then the purchase is made. But when acquiring a piece of art, you always need to be prepared for the fact that it may take several years, or maybe more, so this is considered a long-term investment.

The disadvantage of this method is the fact that you will need to at least partially understand this area or, in extreme cases, hire a consultant. By the way, many investors work with consultants.

Advice: experienced experts advise taking this method of earning very seriously and, if possible, studying all aspects in great detail. And always, before buying, it is better to spend money on an invited expert than to buy art for a lot of money - an object whose value will be minimal.

Option number 3. Investing in startups in young Russian projects

Why are startups good? The fact that the very concept of "" means something new, something that no one has done or done before, but in a different way. In a word, any startup is interesting and exciting, as well as risky.

In general, from the point of view of profitability, investing in startups is considered quite profitable, but you need to be prepared for the fact that the result will not be visible immediately. In addition to the advantages of this venture, it is always worth remembering the risks, the list of which can be narrowed down to the following three points (in short):

1. High competition. There are many startups today, but only a small part of them will be able to break through, enter a niche and, at the same time, earn money. One of the main disadvantages of investing in startup projects is the fact that you never know if it will work or not.
2. Lack of business contacts. Unstable deliveries, malfunctions, jambs with the service - these are just a small part of the problems that can arise if there is no experience. Business connections and effective business: communications still mean a lot in the modern business world.
3. Changes in legislation. What does it mean? It's simple: most start-up projects are tied up with small initial investments, and some can even be launched only with the support of government programs. And in the event that state support is canceled or additional conditions are added, the whole idea of ​​​​a startup may come to naught.

Tip: It's no secret that any business requires constant attention and dedication, especially when you invest your own money in this business. To get the maximum result, you need to constantly monitor current affairs day after day, constantly solve problems, participate in all important stages of the project. This is the only way to ensure at least some effect, including economic.

Option number 4. Buying a farm for cryptocurrency mining

Recently, more and more users are choosing to earn money. According to Coinmarketcap, every day the volume of bitcoin trading is about 112 billion dollars, and this is not the limit.

To come to grips with, you do not need to do anything complicated. First you need to register on any of the cryptocurrency exchanges, fortunately, there are a lot of them now. The most famous of these exchanges are BTC-e, Cex.io, IndaCoins, LiteCoin, LocalBoitCoins and others. The next step is to earn bitcoins.

The process of issuing Bitcoin cryptocurrency (from the English mining - extraction, receipt). Mining is the process of obtaining bitcoins, which is based on solving mathematical problems with working with large amounts of data. In short, the essence of the work of the miner is to choose from millions of options for one and only correct code, which is called a "hash". For such a hash, you can get up to 25 bitcoins, given that the cost of one bitcoin today is 450 dollars.

Of course, bitcoin mining is a complex and long process, but the result is definitely worth it. You can also earn on the difference in its value in the market.

Option number 5. mutual funds

The abbreviation PIF means Mutual Investment Fund- a concept that is absolutely familiar to everyone who understands at least a little how the stock exchange works. People who work with the stock exchange, as well as with stocks and bonds, very often choose mutual funds as an investment project.

From the point of view of the layman, mutual funds can be characterized as a joint (collective) investment of funds and subsequent management of capital flows. There are many pitfalls in the stock market, so it is better to trust money to a professional and qualified manager than to manage it yourself.

In short, this is the main point of investing in mutual funds: to invest free finances in the fund, and the manager is already further acting on the basis of his own skills and competencies. You can choose a manager based on his professionalism, qualifications and excellent statistics.

The main advantage of investing in mutual funds is that at any time, the investor will be provided with reliable support, and several options will be available at once for further investment and money management.

Important: One of the basic rules for investing in mutual funds is that you need to invest money mainly in those stocks and bonds that have lost their positions now, but may rise in price in the future, which will allow you to get good profits in the future.

Option number 6. Investment in the construction of private houses/cottages

Real estate has always been and remains one of the most profitable areas for investment. But construction construction is different. In order to get a truly significant profit, you must initially have a fairly large amount of money, and besides, you need to know in which objects to invest money.

According to research by Barkley, 42% of investors prefer to invest in completed construction and 33% in active construction projects. Despite the fact that at the start of construction, an object can cost 30-50% cheaper, only 7% decide to invest in such real estate.

Construction under wrapping just involves investing money in construction, which is at the start, and then, after completion of construction, sell this apartment at a market price, thereby doubling or even tripling the invested funds.

The main disadvantage of this method is the fact that initially you need to have a fairly large capital that can be invested. It is also worth adding numerous financial risks, exchange rate fluctuations and other factors, so it is obvious that in order to participate in such investments, an experienced consultant is needed who will advise where it is better to invest.

But on the other hand, if everything works out, the profit will be truly large, and all investments will more than pay off.

Option number 7. P2P lending

Private lending, or as it is also called (from the English. Peer-to-Peer) is a method that has been in great demand in recent years. The essence of this method is that the lender provides funds to the borrower on certain conditions. Before investing in P2P lending, you should consult with a lawyer in order to draw up a competent contract. This agreement should clearly spell out all the conditions under which the loan is made, and should also indicate all the main financial risks that the lender may incur.

The advantage of this method is that thanks to this lending system, you can get a fairly high income, because the percentage of the loan can sometimes reach up to 50% per annum. If you calculate, it turns out that by lending a person, for example, 100 thousand rubles, then at the end of the agreed period, you can already get 150 thousand back.

Of course, in addition to the obvious advantages, there are also disadvantages. The main disadvantage of this method is that no one can guarantee a 100% refund. No matter how thorough the search and verification of the borrower is, in the end, he may simply not have the funds to repay the debt. And going to court is a troublesome and costly business.

Option number 8. Foreign exchange market (Purchase of securities, shares)

Working with the foreign exchange market and, in principle, is considered quite profitable, however, it should be remembered that you will not have to rely on quick earnings. Investing in securities most often involves the acquisition of a portfolio of shares, bonds, and Eurobonds.

Shares are a type of securities that gives the right to participate in the capital of the enterprise. The advantage of acquiring shares is the possible profit (sometimes equal to 100% or even more) in the event that the share rises sharply in price. The disadvantage of working with stocks is, again, the absence of any guarantees, since no one knows what will happen to the company tomorrow. And the shares of large stable companies are sometimes much more expensive.

Bonds, unlike stocks, allow the owners of these securities to increase their capital gradually. This method cannot be called fast, but it is relatively stable and reliable. The purchase of bonds can significantly reduce the risk of financial losses, but at the same time, they have a much longer term than stocks.

And finally, Eurobonds. Eurobonds are a type of securities issued by large corporations and government agencies in currency denomination. The minimum rate for purchasing Eurobonds is $1,000. The main advantage of working with Eurobonds is the exchange rate difference. This means that the owner at any time can profitably invest and sell a Eurobond and at the same time not lose, but even win on a percentage of the exchange rate difference.

Option number 9. Endowment insurance

Endowment insurance in Russia is not as developed as, for example, in the United States of America, but even here you can turn endowment insurance into a way to earn money.

Generally speaking, the scheme of endowment insurance can be outlined as follows:

• The client concludes a life insurance contract with an insurance company, which specifies the amount of insurance payments. After signing the contract, the client pays the insurance premium to the company, the amount of which he chooses on his own. The fee can be paid in full at once, or it can be divided into several parts and paid gradually. If for a certain period of time (necessarily prescribed in the insurance contract), nothing happened to the client, he comes to the insurance company and returns his funds, and even with interest.

For example, in the West, the percentage of large insurance companies is 10-12%, in Russia, this rate, unfortunately, is still less, only 5-7%. But even this will be a decent bonus to the deposited amount, after a certain period of time. In some ways, this method is similar to a regular bank transfer, except that in addition to the deposit, the client receives, first of all, the life insurance service itself.

Option number 10. Bank deposits

When it comes to where to invest money in order to receive passive income, the first thing that comes to mind is bank deposits. This is not surprising, since bank deposits are fast, convenient and more or less reliable (especially if you know which bank to put money in).

The essence of this method is to conclude an agreement with a bank, on the basis of which a person brings money to the bank, thereby not only saving it, but also increasing it. This method is beneficial for both parties, since a person, in addition to the deposited amount, receives additional interest, and the bank receives its own benefit when it puts this money into circulation.

The indisputable advantage of this way of earning is that the bank, among other things, also insures money, that is, the depositor can be 100% sure that the money invested will be returned to him.

Important! You should always pay attention to the accompanying conditions of the deposit on which the bank operates. So, for example, in addition to the annual rate, there are also conditions such as the possibility of prolongation, capitalization, early withdrawal of funds, etc. All these concepts together make it possible to judge whether it is profitable to invest money in this bank or not.

Where is it better to invest money at interest in a bank with a monthly income? Survey of interest rates and offers of banks.

In which banks to invest money at a high interest rate with a guarantee - TOP-10 profitable offers of banks + tips for making money passively

Before answering the question “where to invest money at a high interest rate with a guarantee”, you need to carefully study the main options that various banks offer today. Below are the 10 most attractive bank deposits for individuals that exist today.

Bank #1: Bank Binbank, deposit "Maximum Interest"

The amount of the deposit is 1 million rubles. Interest rate - 8.20%, deposit term - 1 year. At the end of the year, the income will be 82,449 rubles

Bank #2: Rosselkhozbank, investment deposit

The amount of the deposit is 1 million rubles. Interest rate - 8.15%, deposit term - 395 days. Upon the expiration of the deposit period, the income will be 88,196 rubles.

Bank #3: Moscow Credit Bank, deposit "All inclusive: maximum income"

The amount of the deposit is 1 million rubles. Interest rate - 8.00%, deposit term - 1 year. At the end of the deposit period, the income will be 81,096 rubles.

Bank #4: Bank Promsvyazbank, deposit "My income"

The amount of the deposit is 1 million rubles. Interest rate - 8.00%, deposit term - 372 days. Upon the expiration of the deposit period, the income will be 80,438 rubles. There is an additional option of preferential termination.

Bank #5: Bank Otkritie, deposit "Superpromo"

The deposit amount is 1 million rubles. Interest rate - 7.5%, deposit term - 1 year. At the end of the year, the income will be 75 thousand rubles.

Bank #6: Bank of Russia, "Classic" deposit

The amount of the deposit is 1 million rubles. Interest rate - 7.40%, deposit term - 1 year. At the end of the year, the income will be 76,562 rubles. There are 4 options: monthly payment, capitalization, replenishment and preferential termination.

Bank #7: Bank Sovcombank, deposit "Maximum income"

The amount of the deposit is 1 million rubles. Interest rate - 7.50%, deposit term - from 9 months. At the end of the deposit period, the income will be 75,000 rubles. There is an option to replenish the deposit.

Bank #8: Bank UniCredit Bank, deposit "For life"

The deposit amount is 1 million. Interest rate - 7.25%, deposit term - 1 year. At the end of the deposit period, the income will be 75,599 rubles. There is an option of monthly payments, capitalization and preferential termination.

Bank #9: Gazprombank, investment income deposit

The amount of the deposit is 1 million rubles. Interest rate - 7.20%. Deposit term - 1 year. Upon the expiration of the deposit period, the income will be 72,395 rubles.

Bank #10: Bank St. Petersburg, deposit "Rentier online"

The amount of the deposit is 1 million rubles. Interest rate - 7.00%, deposit term - 1 year. Upon the expiration of the deposit period, the income will be 70,384 rubles.

Where to invest 1,000,000, 50,000 -300,000 rubles in order to earn money and not burn out?

Let's look at real examples of investing money and see how much we can earn from it.

Example No. 1: We invest 1,000,000 rubles and analyze profitability

Where to invest money in 2019 to earn at the same time? Let's say a person has a million rubles. One million rubles- this is quite a decent amount in order to invest it for further earnings. Now the most important question: where to invest? Moreover, there are actually enough ideas. Take, for example, a bank deposit

Bank deposit- This is one of the most famous ways to invest money, which is also able to bring significant profits. So, for example, by choosing a bank deposit with an interest rate of 10% per annum, it will be possible to get one million one hundred thousand rubles from a million in a year.

If you make simple calculations, you can calculate that the return on this investment is 10%, this is an average indicator, which, nevertheless, is within the limits of reliability.

Definitely answer the question what is the normal rate of return?» No, because everything is very subjective and depends on each specific field of activity. For example, for production and sales, 10% is considered low, but considering that bank deposits are completely passive income, then 10% is quite a normal figure. If we also calculate the average annual inflation rate, we can get an even more accurate answer.

In addition to bank deposits, the construction sector is also interesting for investors. If you approach the issue from this point of view, for one million rubles you can buy a small studio apartment at the initial stage of construction, and then sell it, say, for 1.8 million. In this case, the profitability will be 44%, and this is already an excellent result. True, the downside is that in construction you always need to take into account risks, and the final cost of an apartment can change, both up and down, which will differ by an order of magnitude from the expected cost.

Important: there are several types of profitability, but for this particular case, return on equity is suitableRoe, which is calculated according to the formula (net profit / equity value) * 100% .

Example #2: We invest 300,000 in a real business project

An investment of 300,000 rubles is a sufficient amount to open a small business, which can bring a good income to the entrepreneur within the first year. If a person has free 300,000 rubles, the next step is, and this is a very important step. When choosing an industry where to invest and not burn out, one should be guided not only by intuition, but also by conducting a thorough financial analysis and consulting with experienced investment specialists.

But offhand, there are several interesting ideas that can be implemented quite successfully, they are listed below:

• household goods . Household, or otherwise, household goods are always needed by everyone. If you find suitable suppliers, you can open, for example, a small online store selling household goods. Over time, building materials can be added to household goods, and this is also always beneficial.
• Kitchen furniture . Talented designers and carpenters will never be out of work, so if you have the funds, you can start fulfilling orders for the production of kitchen furniture. In order to open your own small workshop, you will need a production room and several workers. Over time, after regular customers appear, it will be possible to expand production.
• Food delivery. Food delivery services are a very convenient and necessary thing for many. The scheme of work is built as follows: you will need to collect a database of suppliers, these can be small cafes, snack bars, pizzerias, and then the user orders food through the delivery service, pays money for delivery. The advantage is the fact that it is not necessary to have your own fleet of vehicles, it is enough to connect drivers or a taxi service to the system.
• bakery shop . Opening your own baking shop is also very interesting, but at the same time, it has its own difficulties. So, for example, in order to start working, you will need to obtain special licenses for the production of food products and permits from the SES, an environmental certificate, and others. But on the other hand, if things go uphill, it will be possible to gain an up-to-date client base, eventually make good advertising for yourself, and maybe expand.

These were just some of the ideas, and in fact, there are many more, you just have to look.

Example number 3: Where to invest 50 thousand rubles to earn money quickly?

50 thousand rubles is not that much money, but even they, with a competent and thoughtful approach, can bring a good income. Of course, it is unlikely that you will be able to start your own business from scratch with such an amount, but invest in existing projects, or take an additional one - that's welcome!

Humanity now lives in a world where the Internet is developing very, very rapidly, and this is a huge plus. Now almost any information can be found on the Internet, where you can also get acquainted with real stories, as well as take into account the advice and recommendations given by experienced entrepreneurs.

So, the most suitable industries for investing 50 thousand are:

• Services sector;
• Franchising;
• Network marketing;
• Dropshipping or direct supply system;
• vending;
• Infobusiness.

These are just some of the investment ideas that do not require huge funds, can be carried out with the participation of attracted partners, and, in addition, these investments can bring good returns.

For example, well-thought-out franchising, in a good scenario, can be profitable in the first months, since there is already a promoted name and a well-established scheme of work.

The same applies to the information business, but it is important to choose a successful project. You can promote your project, and if you do it skillfully, you can soon feel the first successes from your work.

Conclusion + Related Video

In conclusion, I would like to say that no matter what idea is chosen or what project is launched, the main thing is to be patient. You should not wait for everything to come literally the next day, you should always remember that patience is the key to many doors.

Watch a video with an example of investing:

After all, only through your own experience, your own achievements and failures, you can achieve something. And in order for the work to bring pleasure, it is still better to invest in those areas that arouse at least some interest, personal participation. And there, over time, success and luck will come, and economic efficiency, of course!

“Someone can sit in the shade today just because someone planted a tree at one time.”

Warren Buffett

No matter how they say it, but investments are part of any reasonable person. In contrast to the primitive work on the system “ worked - ate“, investing money can also generate income during the holidays, even if it lasts for decades.

Trite, but true.

The question of where to invest money to make it work is relevant today more than ever, because everyone does not want to count pennies in line at the pharmacy in retirement, but to travel the world and enjoy life. But doing this on an existing pension is simply impossible.

If you think that you have a great job right now, a lot of money and you can spend everything, because tomorrow there will be more - this is not so. By not investing today, you are depriving yourself of the future.

After all, at some point you will not want or be able to work, which in this case will bring you income?

To begin with, we will show you the investment portfolio and its profitability, as an example of real investment profit figures for the last month, and then we will consider the types of investments separately.

Portfolio of successful PAMM accounts for the last reporting month - February 2020

PAMM account (number)	Profit Loss	% Manager
Konkord stable profi (415171)	4,1%	10-20%
Kalsarikannit (416226)	9,7%	10-25%
CartMan_in_da house (427015)	-1,2%	10-50%
FX_KNOWHOW (450950)	20,2%	30-45%
CELINDRJOEV V.J. (451520)	9,7%	30%
Victory_ForLuck_02 (446503)	20,1%	40-45%
Profit72 (435041)	49,3%	15-50%
Hipster (452975)	128,6%	20-35%
Suc 1.0 (433298)	15,5%	30-50%
Krat.co (449044)	33,2%	50%
AlpenGold999 (452288)	78,3%	50%
Lamprechtsofen2.0 (432236)	6,3%	20-45%
Respek_t (429024)	30,4%	15-40%
Moriarti (329842)	5,8%	20-40%
SL TP V (425470)	5,8%	0-45%

If you have not yet decided where to invest your money, then you can focus on this portfolio. I invest only in the most reliable PAMM accounts, and before investing money, I carefully analyze and weigh the pros and cons. Managers who satisfy the ratio of reliability / profitability become part of my investment portfolio. I systematically withdraw profits, reinvest, replenish investments and add new assets.

But here on the blog I update the portfolio once a month and it is NOT a copy of my portfolio and a reason for 100% copying, as some PAMMs do not have time to get here, being short-term or high-risk, while others are excluded before the end of the month. This portfolio contains successful PAMM accounts that, in my opinion, deserve attention.

This portfolio of PAMM accounts is a rough guide and indicator of opportunities. Here are collected PAMM accounts according to the criteria of stable profitability over the course of a year, in which a large number of investors invest.

You can also add more aggressive PAMM accounts, exclude unprofitable ones in time and add new profitable managers.

Investing money in the stock market

In this article, we will talk about where to invest money with the greatest benefit.

Investing in stocks is the classic way to invest. The average yield here can be from 10 to 20% per year, but it can be much higher.

What are stocks on the stock exchange? This, in fact, is the foundation on which the world rests, because each of us in the bathroom has funds from Nivea, Johnson & Johnson, Gillette…, everyone has phones Apple, Samsung, Lenovo… there are computers in the rooms Acer, Asus, HP, on operating systems Windows; shop furniture IKEA and clothes in the wardrobe from Versace, Lacoste, Polo Ralph Lauren Corporation.

All we want to say is that we are all consumers of the products of private companies.

If you are looking for where to invest money, then stocks are a great way to earn not only on the products of companies themselves, but also to secure a constant substantial income. This is an interesting process that will teach you how to think like an investor, understand different markets, compare prices and choose the best.

How to invest in shares?

Everything is very simple, shares are traded on stock exchanges, and they are sold through special intermediaries - brokers. You do not need to travel somewhere, stand in lines, run around with documents... You can buy shares without getting out of bed. Register, replenish the deposit and buy shares.

• It is worth noting that well-known and already successful companies will not always be the best idea.

After all, it's not just about the name, but also about the profit. For example, capitalization Google about 500 billion dollars. Imagine What do companies need to do to double their growth?

And now let's take a small chain of clothing stores or restaurants, in order for their shares to grow by 2-3 times, it is enough to expand the sales market, open several new points of sale, and this is quite realistic to do within a year.

That is why some new startups and companies can bring not 20% per annum, but more than 1000%.

For the sake of completeness, we decided to show our example of earning on stocks.

We went to the website of a broker with whom we have been working for many years -. In assets, we selected Ferrari shares and clicked on the button BUY:

A few days later, the share price went up, as did our profit:

To make a profit on your personal account, you need to sell shares, that is, close our deal:

The results of the transaction can be viewed on the same page of the trading platform in the tab Deals:

Watch a video about investing in stocks from Robert Kiyosaki:

Investment benefits. Investing in stocks has been around for over 150 years. Every third American and every second Japanese owns shares in a company. And as you know, the pensioners of these countries are quite satisfied with their lives. Dividends and profits from owning shares can be received throughout life. Buying and selling does not take more than 10 minutes. You can start already from 200 dollars.

Minuses. Investing in shares carries the risk that the company may depreciate. But for this, it is carried out, an investment portfolio is compiled. In this case, even if one company loses positions, the remaining companies in the portfolio will provide the investor with a positive return.

Real estate

Real estate - the traditional way where can you invest money. It is difficult to say something new on this topic. We have included real estate in the list where you can invest for obvious reasons. Real estate is a valuable asset for any person. Real estate can be rented out, whether it is an apartment, an office, a garage or a shopping center. Real estate, albeit not immediately, but rises in price, especially if it is purchased in a new area, where in 10 years there will be a fully populated and active center.

Although, of course, in today's realities, even for the next decade, the purchase of real estate in 99% of cases can hardly be called an investment. After all, the maximum that the majority receives - it is the safety of funds.

Advantages of investment. Safe investment with minimal risk. With a skillful approach, you can extract a monthly profit before the final sale.

Minuses. These are slow investments that in most cases turn out to be just saving money and do not increase the capital of the investor, but, on the contrary, freeze it.

Startups

Startups are young innovative companies. Many people call themselves a startup not by offering something radically new, but by presenting a new version of “ old“. In reality, a startup is a company with a product that did not exist before. The same Google or once were startups, offering the world something that did not exist before. In two decades, those who invested in well-known start-ups at the beginning became millionaires.

Today, new companies are born in the world that have a chance for rapid growth.

How to invest in a startup?

The most profitable way is to wait for confirmation that the company is successful, really in demand and will develop. We're talking about.

In the early days of an IPO, company stocks can rise by more than 100%.

And you don't need to hold the stock any further, on the contrary, after the first days IPO shares need to be sold fixing profits, since more than 70% of companies do not withstand further expectations of investors and the market, and fall in price to a reasonable level, and in the following years they do not grow at all, of course, we are not talking about all of them without exception.

• Startups are an interesting way to make money on investments, because the growth of a company can be huge in a short time.

You can inquire about new startups, upcoming IPOs, analyze companies and invest in the best of them. One successful investment can pay back the losses of 10 unsuccessful ones many times over. It is these rapid rises that make this niche very profitable for investors.

Startup benefits. If there is income, then it will be high. You can invest both at the source and later on the company's IPO.

Minuses. You need to soberly assess whether the market is ready for the company's product and look at the numbers, not the presentation.

Binary Options

Binary options cannot be called an investment in the classical sense of the word, but still it is the most profitable investment to date. so simple that they have only 2 conditions - UP and WAY DOWN hence the name - binary. The bottom line is that you choose an asset ( the same stocks, oil, gold, stock indices…) and specify the condition - will the price of the asset rise or fall.

• The term of the transaction determines the scope, for example, you have invested in a stock option with the condition that the quote rises for 15 minutes. If after 15 minutes the shares rise in price relative to the rate at the time of buying the option, you will receive a predetermined fixed profit in 70-80%! Moreover, it doesn’t matter how much the asset grows, only the condition is important - Higher, that is, growth can be at least 1 point.

Thus, you can earn not only on the growth but also on the fall of the price, using the DOWN option condition.

Among the assets of binary options, the most liquid stocks and stock indices, commodities and currencies. And this is very convenient, because according to these assets, news is released daily, which allow you to earn.

For example, tomorrow the new iPhone goes on sale - this is a clear sign that tomorrow Apple stock will rise. Buy an UP option on Apple stock and earn a guaranteed profit.

The interesting thing is that you can invest in binary options for a period of time. from a minute to a month, while the amount of profit remains unchanged - within 70-80%, depending on the asset. Instead of a lot of words, we will show you how it works on the example of a broker:

1. Choose an asset. In our case, the choice fell on stocks Google:

Specify the term of the transaction, that is, the time of its completion:

At the moment, Google stock quotes are rising, while the price has touched the lower support line. We predict growth - enter the amount of investment and click UP:

We opened a deal for 10 minutes. At the appointed time, the option was automatically closed and the broker showed the results of the transaction:

At the time of purchase of the option, the stock price was 779.205 . In the conditions, we indicated that at the time of closing the option, the price will be higher. According to the results, she was listed at the mark 780.260 . Having invested $60, we returned $102, of which $42 is net profit:

Our growth condition was fulfilled and we got 70% profit!

Advantages of investment. 70% profit in 10-20 minutes is an indisputable plus. The ease and simplicity of the process makes this type of investment the most accessible.

Minuses. For successful investments, it is necessary to analyze the asset, use strategies, and other tools, not every person is able to correctly understand the market.

PAMM accounts

We continue to review the best options where everyone can profitably invest money, and one of these options is. The creator of this opportunity was the largest broker in Russia in the foreign exchange market - which is regulated by the Central Bank of the Russian Federation and has a license from it to carry out operations in the financial market.

A PAMM account is a trader's account that investors can invest in.

Thus, a trader trades on the stock exchange not only with his own funds, but also with the funds of investors. PAMM account manager gives from 50 to 90% profit to its investors. An unlimited number of people can invest in a PAMM account, and the profit is divided in proportion to the deposits. For example, a PAMM account managed by more than 4 million dollars:

The broker provides full monitoring of the PAMM account, which reflects profit by day, week, month, transaction volumes, investment volumes and other data. Among many successful PAMM accounts, there are managers with more than three years of experience, that is, PAMM accounts have been generating profits for many years, and in general, this is not a novelty today.

In any case, PAMM accounts continue to bring good profits, the average profitability of an investor who has a portfolio of 10-15 managers from 50 to 100% per annum.

If you reinvest the profits, you can earn more 810% in just 3 years:

Benefits of investing. This type of investment has already proven itself with time and profitability. Amounts for investment are affordable for the majority of the population. You can withdraw money instantly at any time.

Minuses. There are practically no downsides to portfolio investment. It can be called a minus that some investors invest in non-professional managers with unstable trading.

Bank deposits

A bank deposit should be considered not so much an investment as a way of storing money, allowing you to more or less protect them from inflation. Profit up to 10% per annum can hardly be called serious. Nevertheless, this option is still very popular among the population, even though the country's banking system is going through hard times today.

Traditionally, investors have the greatest confidence in Sberbank, VTB, Gazprombank. They offer to place deposits at not the highest interest rates ( from 7 to 8%), but stand out favorably in terms of reliability. We do not recommend participating in long-term programs, even if they offer more favorable conditions. The current situation in the sector is such that it is better to limit ourselves to "titmouse in hand". In any case, placing money in a bank is just a way to store it. If you are interested in investing, you should look for other offers.

“How many millionaires do you know who got rich by investing in bank deposits? That's the same."

Robert J. Allen

It's a different story if you're investing through investment banks like Goldman Sachs. It is worth saying that investments there also do not bring a huge percentage, it can be the same 8-10% per annum and some risks.

Why is this being done?

It's all about the amounts. If you have $20 million, you won't put all your money in one Sberbank account, right? We all know about instability and the rules of diversification. Besides, Goldman Sachs, Barclays and similar ones can offer favorable conditions for the investor, professional portfolio management, etc.

Benefits of deposits Reliable and virtually risk-free.

Minuses. Low interest, you can withdraw money under the terms of some deposits only after 1-3 years.

ETFs

If you are looking for a better place to invest in the stock market, you should probably be interested in such an option as exchange-traded investment funds (). They represent a portfolio of assets, basically, as closely as possible repeating some stock index, for example, or. Thus, by purchasing one ETF share, you immediately receive a diversified portfolio formed by real professionals.

In fact, ETFs are the same mutual funds - you get a share in the portfolio (in an ETF it is a share, in a mutual fund it is shares), but there are a number of differences.

• As in a conventional mutual fund, it is professionally managed by a management company.
• If in mutual fund the amount of the minimum investment is set by the management company or the sales agent, then in ETFs it is equal to the price of one share.
• Also, you cannot sell shares from a mutual fund at any second, unlike shares on the stock exchange.
• Mutual investment funds themselves can have ETF shares in their assets, only in this case they take their percentage for this.

In short, ETFs have created a sensation in the stock market, being full-fledged portfolios.

An important advantage of exchange-traded funds is the ability to trade throughout the day. During this time, the price of ETF shares may change, while the size of a mutual fund share is calculated only once per session. Units cannot be purchased with borrowed or borrowed funds. For ETF shares, this is acceptable. Additional commissions may be charged when trading units of mutual funds. Work with shares of exchange-traded investment funds is exempted from such "extortions".

Where to find ETF shares? In the same place where all the shares are - on the stock exchange. Actually, the process of buying Google shares from ETF shares is no different. We described this process a little higher, where there is also a list of the best brokers.

Advantages of investment. Ready-made investment portfolios of shares. There are thousands of ETFs with different portfolios. Reliable long-term investment.

Minuses. It is necessary to monitor the industry in order to sell in time if a decline begins, and as a rule, if there is a decline somewhere, then there is growth somewhere, that is, you can sell some ETFs and immediately buy others.

Art

If there is a desire not only to earn money, but also to get aesthetic pleasure from the process, we recommend that you think about purchasing art objects. Suffice it to say that the main buyers of such things are not passionate collectors and wealthy connoisseurs, namely financial market players. You don't have to be an expert at all. You can always use the services of competent consultants.

Paintings are by far the most common commodity. On average, the creation of a popular contemporary artist today will cost from $ 5,000. Over the years, the cost of a masterpiece can increase hundreds of times.

For example, Andy Warhol's Lemon Marilyn was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

It makes sense to acquire the works of masters of the second half of the last century - now it is them" time. Naturally, it is not worth counting on a quick return on such investments. In any case, you will become the owner of a valuable work of art, that is, a fairly reliable asset.

According to the statistics of gallery catalogs, even three-year-old paintings are already becoming more expensive by an average of 40-60%, as you understand, there are paintings among them with a growth of 1000%. As the auction houses explain, the increase in the cost of paintings is directly related to the activity of the artist. If he regularly exhibits at exhibitions, receives new awards, then with each such step his paintings can rise in price. by 100%.

Investment benefits. Very rich and developed personalities are engaged in investments in art. In addition, they can bring large percentages, especially if the artist is gaining popularity or even died.

Minuses. A long-term investment that requires the advice of an art expert. It is advantageous to collect collections of paintings by one or more artists, which can be costly.

Investment in trading

Trading is an investment in yourself.

Now many people will think that trading is money from speculation in the stock market, profit from the amounts invested in exchange assets ... But first of all, trading is good investment in yourself.

Many people say that investing in yourself is profitable. How? Specifically in numbers? Invest in education and get a job? It's a life, not an investment.

Unlike other jobs associated with preliminary training, trading provides unlimited opportunities where it is not necessary to have an economic education. The thing is, trading starts with personal preparation. You must be prepared psychologically, and everything else - matter of technology.

• Today there is no difference between a financial analyst and an Internet user, since all information is stored and presented only on the Internet. It equalizes almost everyone!

In order to get into trading, you need to read at least about it, draw up an action plan, a financial plan, and start collecting information about the market and assets. Of course, not everything is so simple, but this is already the beginning. There are many examples when people earned millions in a couple of years and went on an indefinite vacation without worrying about anything.

Can a lawyer with three years of experience, or a doctor, or a manager boast of such success?

For example, the broker allows you to trade stocks, indices, commodity futures like oil, gas, metals, agricultural products, energy and others:

Why have we come to view trading as an opportunity to invest money? Because it is profitable, it is available to everyone, it is interesting and right here money is born. All banks are trading on stock exchanges, trade currencies, bonds and so on. So why invest in banks when you can earn money through the banking system yourself?

The benefits of trading. Unlimited opportunities to work for yourself, without a schedule and in comfortable conditions. Due to the huge amount of information about the markets, it is not necessary to have a financial education or special connections.

Minuses. Successful trading requires mental preparation, a sufficient deposit to survive losses and overcome risks.

Individual investment account

Since 2015, a new concept has appeared in the legislation of the Russian Federation - individual investment account. By placing funds on such an account, you receive a guaranteed tax deduction 13% from the invested amount ( annually) or are exempt from tax on income received as a result of financial transactions.

Consider the benefits of placing money in an individual investment account:

• To open here, it is enough to deposit everything 5 000 rubles.
• The maximum amount to be deducted is 400 000 rubles.

You can only replenish your account with cash. The broker offers four investment options.

1. If you just want to receive passive income, choose a savings strategy and you will be charged 5.5% per annum. Don't forget about the guaranteed 13% tax deduction.
2. Under the conservative option, the investor's funds will be invested in reliable, low-risk fixed-income instruments. This may additionally bring up to 15% per year. Such activity is recommended if the account has more than 100,000 rubles.
3. The optimal strategy can generate income up to 30% per annum, however, the risks increase significantly. It is worth using it if you have more than 250,000 rubles.
4. The most risky is an aggressive strategy that can bring up to 50%

Smart investment is the key to a highly prosperous future. By investing free money in promising investment projects, you get the opportunity to significantly increase your wealth. What tools are potentially profitable and what profitability they can bring to a novice investor, we will analyze in detail in today's article.

Free money can be invested in these projects:

Sources of investment

The question of where to get free money is asked by those people who are already thinking about their future. As you know, money is not superfluous. Therefore, if you purposefully do not take measures to accumulate capital, then there will be nothing to invest. So where do you get free money to invest?

Consider 3 reliable options:

1. Save 10-20% of salary . This option always works. It is important to determine how much can be withdrawn without consequences. If you find it difficult to save money and the temptation to spend it is great, you can start. True, there are not so many options and they are not so profitable compared to investments of 100,000 or more. But you can consider investing small money as a temporary milestone that will lead you to a big goal.
2. Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can donate the initial capital for a good cause free of charge.
3. Additional income . As sources of additional earnings, one can consider overtime part-time work at the main place of work or short-term options with low pay. Of course, more work will have to be done. But for the sake of generating passive income in the future, it is worth making an effort.

TOP 17 ways to invest free money

So, you have a small capital and you want it to work. Below is a list of 17 working ways where you can invest free money. You just have to adapt them for yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

It makes sense to invest free money in the bank when you need to save up an emergency reserve just in case. In addition to term deposits, the interest on contributions is quite penny. Therefore, you should not count on good dividends even from a large amount. Anyone who nevertheless decided to place savings in the amount of more than 1,400,000 rubles on a bank account needs to divide it and put in different banks . To in case of default the state reimbursed the investment in full.

2. Securities

Stocks are one of the most attractive, but also the most risky options. As practice shows, it is better to entrust the disposal of securities to experienced professionals, although they cannot guarantee income. The peculiarity of the method is that the upper ceiling of profit, as well as loss, does not exist. In each case, everything is individual. Of course, you can predict the main trend based on past experience, but this does not always work.

Read our review about how to avoid the mistakes that 90% of novice investors make, and.

3. Real estate

A fairly popular method to attach free money. After all, investing means getting the opportunity for quick income and covering mortgage payments with it. However, it must be borne in mind that if the apartment is not rented out for some reason, the money must be paid from your own pocket. In the case when housing is purchased with your own capital, you will receive a stable income with minimal risks. It is most profitable to rent an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to earn on the shares of popular companies, banks and corporations. The options work scheme is built like this: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the rewards can reach 70%.

Earnings on options depend on whether you guess or not whether the stock price will rise or fall in a certain period of time. You can buy them at different times, ranging from 1 minute to months.

Option investment is carried out through a broker and requires knowledge of the basics fundamental and technical analysis.

5. Microfinance organizations

7. Business

One of the most controversial investment options. On the one hand, with the right choice of niche, it can bring the greatest profit to its owner. On the other hand, you cannot hope for long-term income without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face the strict restrictions of the franchisor.

Read a separate post, and you will find out what other pitfalls await you in .

8. Precious metals

13. Own website

Creating a website is one of the most popular ways to invest in this there are a number of reasons:

• small initial investment;
• efficiency of creation;
• you can immediately start earning;
• passive income in the future.

With all the advantages, it should be borne in mind that competition in this area is huge.

And before starting a project, you need to understand all the possible ways of monetization and promotion. Ideally, the investor should deal with these issues on his own, then the income will be maximum.

14. Social networks

The topic of making money on public in social networks does not lose its relevance. There are active discussions on the Internet whether it is still possible to make money on your group or the train has already left. It is difficult to answer this question unambiguously. In any case, those who started a couple of years ago have clear advantage. In general, everything depends on the organizational skills of the investor and experience in promoting projects.

In any case, dealing with social networks on your own, you do not need a lot of money. With a successful set of circumstances, you will receive a good income from the sale of advertising, with an unsuccessful experience, nothing will prevent you from selling a loss-making group.

15. Education

At the initial stage of a career, it is very important to invest in acquiring knowledge. New skills make it possible to establish oneself as a competent specialist and earn more money for a comfortable life in the future.

16. Structural Products

A stable way to invest savings, which gained popularity in the midst of the crisis and is still in use today. The bottom line is to divide the capital and invest the main share of investments (80%) in bonds and the rest (20%) in futures and options. This combination allows the investor to receive up to 40% return on success, and to remain with their funds in case of failure.

Take a look at the comparison table below (click on the image to enlarge it):

Based on it, we can conclude that structured products have the highest profitability with relatively small investments.

The profit may be higher when it comes to, but it is important to carefully monitor the news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal in order to increase it as a result of Forex trading activities. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. In case of loss, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.

Conclusion

As you can see, there are many worthy options where you can invest free money. The entry threshold for the listed alternatives is affordable, so you can try all the tools and determine the right one with little or no monetary loss. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.

Real estate, business.

Bank deposits (deposits)

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

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

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

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

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

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

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

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

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

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

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

To more clearly understand how much profit you can get on stocks, watch the video “How to earn 678% profit on Sberbank shares”.

Video: How to earn 678% profit on Sberbank shares

Bonds

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

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

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

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

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

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

Forex

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

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

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

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

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

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

Cumulative life insurance

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

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

OFBU

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

There were cases when OFBU showed a yield of 600% per annum. However, the main problem lies in the fact that the activities of OFBUs are little regulated by law, which is why they are less subject to control, unlike the same mutual funds.

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

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

hedge funds

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

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

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

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

Structural (structured) products

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

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

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

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

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

Gold and precious metals

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

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

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

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

Real estate

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

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

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

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

Business

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

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

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

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

Building your own business is entirely up to you.

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

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

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

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

Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike stocks or precious metals, you don't need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.

The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.

Description of important points

The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the compulsory insurance program. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").

The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.

Online Assistant

On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services according to their main parameters - and this is the interest rate, the cost of opening and commission, you will be able to make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket in Runet, which has been successfully operating for more than ten years. All offers displayed on this page are the best or profitable only according to the experts of Banki.ru