Greetings! This year cannot be called boring and predictable: neither for Russia nor for global financial markets. Indices in both Russia and the United States grew beautifully; over the past 10 months, my portfolio has grown by 20 percent.

What's next? How to preserve capital in a situation of high uncertainty? What to invest in in 2019-2020? For convenience, I divided the instruments by goals: not to lose, to make money on the growth of an asset and/or and to receive income in foreign currency.

Here I included tools with almost 100% reliability. “Almost” - because . All three assets only partially compensate for losses from inflation!

Bank deposits

If your investment horizon is too short for risky assets, you don't have much choice. You will also have to abandon your ideas, so the only thing left for you is banal bank deposits.

If you need to try to save your capital primarily from yourself, your loved one, then it is better to open time deposits, without the right to replenish and withdraw (for example, the “Save” product from Sberbank). Such deposits always offer the maximum interest rate. And they are prohibited from withdrawing part of the deposit until it is closed.

The main thing is not to forget about the “limiter” in the form of 1.4 million rubles in one bank. This is exactly how much (and not a penny more) the Deposit Insurance Agency will return in the event of bank bankruptcy.

Reliable bonds

If you have a slightly longer horizon and a slightly higher financial IQ, you will probably be interested in these debt securities. Judge for yourself: the risks of bankruptcy of the state are much lower than the risks of bankruptcy of any one bank, even a large one. Plus, bond yields are almost always higher than bank deposits.

By the way, are you aware that with the money that you leave as a deposit, the bank almost immediately buys bonds and thereby earns the difference in interest without risking anything?

Federal loan bonds are considered the most reliable. Their repayment is guaranteed by the government of the Russian Federation. But it is better to form a bond portfolio from. Fortunately, the symbolic cost of the bond (only 1000 rubles) allows this.

You can only advise something specific if you know your specific investment plan, so below I will give a couple of papers that I think are interesting.

For example, OFZ-PK are bonds with a variable coupon. The coupon size is tied to the average RUONIA rate and is revised from time to time. OFZ-PD fixes the coupon size at a constant level (for example, 6-7% per annum) until maturity.

But I think the most interesting option in 2019 is . The face value of such bonds is constantly indexed to the inflation rate (calculated using the consumer price index for each day with a lag of three months). For OFZ-IN, the coupon is 2.5% per annum above inflation (CPI).

Gold

Stock

Unlike bonds, stocks are instruments with potentially high returns. Experts believe that in 2019 the MICEX index will further increase, the Central Bank will continue to lower the key rate, and oil prices will rise. Against this background, many Russian “giants” have good growth potential.

To make a profit in the future, today you can invest in securities of exporting companies: ALROSA (excellent company performance over the past year), Protek, NLMK (Rosneft is not on the list of recommended companies). Analysts advise paying attention to the shares of LUKOIL and Sberbank, which were undervalued last year (even though it grew very strongly, its p\e is still low).

Some are betting on the rise of electricity companies that have floundered in the past year. The shares of Rosseti and IDGC of the South are of particular interest.

The main idea and advice is to pay attention to companies with growth prospects and.

Abroad, the high-tech sector looks more promising than others: Facebook, Alphabet, BYD Company, Google, Amazon, Netflix, NVIDIA and others.

Own business

Owning your own business is a profitable but very risky option. Initial capital is needed from the first day, and the return on investment can be obtained, at best, in six months to a year. Or not get it at all...

To avoid risking large amounts of money, start with an online project. Firstly, a lot of problems like renting an office, warehouse and logistics disappear. Secondly, the starting amounts here are much more modest than for opening your own.

To receive passive income

Real estate

Real estate generates passive income only when “square meters” are rented out. But you shouldn’t count on millions in profits from renting out ordinary residential premises.

I provide data for 2016 from the SRG analytical center. The average return on residential real estate in St. Petersburg is 7.7% per year (return on investment is 14 years). In Moscow, the average yield is lower: 5.8% per annum with a payback period of 17 years.

Real estate abroad brings even less - up to 5-6% per annum. In some cases, it is better to delegate the decision of all organizational issues to a professional management company. She will look for tenants, resolve issues with ongoing repairs and payments, etc. For this she will have to “donate” 15-20% of the rental price. But - real passive income!

On the other hand, if you have an apartment for rent, you can try to rent it out on a daily basis (via AirBNB, mainly to foreigners) and thereby increase your yield to 10-12% per annum with good occupancy.

To receive income in foreign currency

Of course, to receive income in foreign currency, you can simply buy shares or. This way you will partially eliminate the risk of being left with nothing if the ruble collapses again. But there are other ways.

Eurobonds

Eurobonds boast all the advantages of ruble bonds. Plus they have additional protection against currency risks. After all, that’s why they are “euro”, because they are denominated in foreign currencies: dollars, euros, Swiss francs and British pounds sterling.

Today, Eurobonds of such companies as AHML, Alfa-Bank, VTB Bank, Gazprom, LUKOIL, MTS, NLMK, Novatek, Russian Railways, Rosneft, Sberbank, PhosAgro and Uralkali are presented on the Moscow Exchange.

The average yield on Eurobonds is 3-5% per annum (paid twice a year). The minimum denomination of a security starts at $1000. The main problem with such securities is liquidity. But more about this some other time.

Unit-linked programs

I have already discussed unit-linked programs. Let me remind you: a foreign product combines savings, life insurance and investments.

Moreover, you can invest in a bunch of foreign instruments that are not available to private investors from Russia. For example, in the same mutual funds, where entry thresholds through a broker often start at $50,000.

By the way, since 2013, the Moscow Exchange has been successfully trading, which covers a fairly large part of the markets previously available only through foreign brokers.

For some of them, the average annual return from mid-2014 to mid-2016 (in ruble terms) was about 50%. For example, FinEx MSCI USA Information Technology UCITS ETF (shares of the US IT sector) grew by 49.8% per year.

But foreign currency deposits today bring mere pennies (up to 2% per annum). And no one is considered as a serious investment tool anymore.

In this article I have presented only some of the tools available to the average investor from Russia. Remember that only by collecting these kinds of assets can you be sure of achieving the challenges you face!

What assets do you plan to invest in in 2018-2019? Subscribe to updates and share links to fresh posts with your friends on social networks!

There is always a way to earn more and faster, especially when it comes to online investments, because there are no boundaries, the audience is huge and everything good spreads at lightning speed.

This review is devoted to high-yield investments, where you can invest money to get high profits, what amount you can start with, what the risks are and other questions.

Highly profitable investments – This investing in projects that can generate revenue in a very short time ( from several days to several months) profits that significantly exceed the annual return on classical financial market instruments, such as bank deposits, bonds, mutual funds with conservative strategies, etc.

Before you consider highly profitable investments, you need to at least know approximately what numbers to focus on.

As a standard, let's take a bank deposit with a rate 12% per annum and amount 100,000. rub.. as the most reliable and conservative way to generate income.

By investing this amount, in a year you will receive 12 thousand rubles. or 1000 rub. per month, which is not so much for such a significant amount even without adjustments for inflation, but not everyone has a free 100,000 rubles for investment.

IN rating of high-yield investments Only projects whose profitability exceeds this indicator by 2 times are included, and the benefits outweigh the possible risks. In practice, highly profitable investments on the Internet bring from 60-80% to 100-200% per annum.

Rating of highly profitable investments

The highest yielding investments

Options	Profitability, per annum	Risk	Experts	Min. attachments
Stock	30-80%	Average	Need thorough analytics and information	From $50-200 per briefcase
PAMM accounts	40-90%	Short	A portfolio of at least 5 PAMM accounts is required.	From $10 to one PAMM account
Binary options	100-3000%	High	You don't need to do a lot of market analysis, don't play	From $10 per transaction
Microcredit	100-300%	Average	Success comes with experience	From $10-100 per loan
HYIPs	100-200%	High	A very dangerous option.	From $10-100

Please note that we do not consider venture investments, hedge funds and startups, since for the most part they are practically not available to individuals with small capitals, where mainly institutional investors invest with amounts ranging from 20-50 thousand dollars.

The average return on investment in the stock market is 20-25% per year, which is already twice the bank deposit. But this is just an average percentage, which can be raised to 30-80% by investing in fast-growing companies.

For example, Amazon alone has grown by 300% over the past 2.5 years.

Look at the performance of some securities on the NASDAQ stock exchange:

But here’s how much profit even well-known companies whose products you may use yourself can bring in a month:

If you look at the indicators not only for the year, but also for 6, 3 months, you will see that the results are quite stable.

It is worth clarifying that not every PAMM account is able to enter rating of highly profitable and reliable investments, but only those whose managers have been trading profitably for more than 6 months, showing stable results.

When investing in a portfolio, you can choose different managers, so the investments will be more reliable, and the portfolio will protect you from losses.

The potential risk is present as everywhere else, but it is still much less than in HYIPs, so PAMM can be classified as highly profitable investments of high reliability.

The manager can open trades using the general funds of investors, but cannot withdraw money or transfer it to other accounts.

As a rule, PAMM managers trade Forex, but the scheme can work in other markets, providing high-yield investments in shares, raw materials or cryptocurrency.

Before investing, it is worth studying in detail the statistics of the managing trader’s work, as well as familiarizing yourself with the size of the commission he takes.

As for profitability, on PAMM it is not the same and varies greatly not only from one manager to another, but also from one manager to another during different periods. The more conservative the trader’s strategy, the lower the income, but the more stable it is. A good result is +5-10% per month consistently over a long period of time ( that is, 60-120% per year).

More aggressive, but acceptable strategies can give 20-30% for several months in a row in some periods, but sooner or later they will lead to -5-10% , or even large losses, which can also last for quite a long time.

Thus, by investing $100 under the average 10% per month, which is quite realistic for PAMM, in a year it will accumulate 100-120% , that is, an investment in $100 in 12 months it will turn into $220 . If you constantly apply profits, then after 12 months, with unchanged indicators, it can be more than 160%.

Unlike classic trading on Forex and stock exchanges, where you most often have to wait for hours, days and even weeks to get high profits, you can earn huge amounts of money in minutes.

All you need to do is set the option expiration time ( and some other brokers allow you to set this value to 30 seconds), select an asset and indicate the terms of the transaction UP or DOWN, that is, the price will rise or fall at the end of the option period.

It seems simple, but look at the profitability! Brokers pay for every successful transaction from 69 to 80% profit. And it doesn’t matter what the duration of your transaction is, be it 30 seconds or one day.

Let us show with an example how this happens. We went in and selected an asset:

Indicated the transaction period until 21:20 (after 9 minutes it will close automatically):

Since a stable downward trend had formed on the chart, we decided to follow it and specified the forecast as the main condition DOWN:

Securities do not change their trends as quickly as currencies and it is unlikely that anything will change in 9 minutes.

If at the time of closing the transaction the price of Starbucks shares is lower than at the time of purchase according to our DOWN forecast, then we will receive a 79% profit.

9 minutes flew by quickly and look at the chart at the moment the option was closed:

In just 9 minutes we got 79% profit or from our investment amount in $80 net profit amounted to $63,2 (total revenue $143.2). These are not only highly profitable investments, but also very short-term ones.

Perhaps someone will object to the above example and say that this does not always happen, but the opposite result is quite likely, in which case we lose the entire amount of the investment. Yes, this is quite likely, because high-yield investments without risk practically never happens, and the loss is equally proportional to the probable profit, but if you apply, analyze and meaningfully make short forecasts, you can make more than 60% of successful transactions, and this can bring you a profit of 100-300% per month, thanks to proper capital management.

Risks of high-yield investments

In order to achieve high profits, a high risk is necessary, which is why the correct one is necessary, this means that you need to invest not all the money in one project at once, but in several different ones, dividing the amount into parts, so that even if some of them fail of them, the profit in others completely covered the loss of investment and still resulted in a plus.

As a result, all risks are minimized, and the opportunity to receive a high income remains almost at a high level.

If you find an error, please highlight a piece of text and click Ctrl+Enter.

Investment projects on the Internet: the essence of the concept + the pros and cons of investing in Internet projects + 7 selection criteria + TOP 10 best investment Internet projects + 9 tips for beginners.

Investing money is an important step towards passive income. The constant development of the network market infrastructure forces users to find new ways to make money on the Internet. One of these methods has recently become investment Internet projects.

Today we will touch on this topic in more detail and understand most of the nuances of this area.

Investment projects on the Internet – what is it?

The key word is investment. It is implied, but, unlike analogues in real life, where you came to an organization, signed agreements and worked with other accompanying papers, everything is much simpler on the Internet.

This is both a plus and a significant disadvantage of investing money through the World Wide Web.

1. The concept of an investment project.

In the vastness of Russia, the virtual investment niche has not yet been fully filled. The level of competition is not so high, but the increasing dynamics show that in 2-3 years the number of investment methods will increase by at least 5 times.

The impetus for such rapid development is the gradual transition to electronic currency, which expands opportunities for both businessmen and ordinary citizens of the country.

Soon, even in remote corners of our country, people will be able to use non-cash payments. The number of potential investors will increase sharply, which means that business opportunities will expand.

Investment projects– a type of project based on investing money in the social or economic sphere of activity. Working with them through the network frees up the hands of ordinary users, since the choice is not tied to geography - you can invest your hard-earned money in absolutely any project, even outside our state.

Main directions of Internet projects:

• economic;
• financial;
• commercial;
• social.

The highest profit figures are shown by financial and economic ones, while social ones are more aimed at supporting citizens rather than directly generating benefits for investors.

2. Advantages and disadvantages of investment projects.

pros	Minuses
Passivity of profit. Investing money takes much less time than regular active work. Here it is not the employee who works for the sake of receiving money, but the money I work for his sake.	The risk of losing everything. Every year, more than 20% of Internet investment projects fail. The percentage of losses can be leveled through diversification, but a loss of 20-30% of profit may be in order.
Profit diversification. Investing money in several Internet projects at the same time will reduce the likelihood of complete collapse. Losses from a “busted” project will be offset by other sources.	Impermanence. Many Internet projects are inclined to a floating rate of profit - this means that the amount of income will constantly change, both positively and negatively.
Unlimited profit. When actively working, the employee receives a fixed rate + possibly a % of some sales indicators. In Internet projects, no one sets the highest bar for you; your income will grow as long as your project is successful.	Stress. When investments are your main source of income, it is very difficult to keep your emotions under control at all times. Any changes in the situation bring stress, which negatively affects a person’s overall health.
Interesting and educational. Although the projects position themselves as passive sources of profit, no one forbids you to explore the market on which your money is spinning.	Need for capital. The main disadvantage is for people who want to start their own business without investment. The principle of many Internet projects is that the more a person invests, the more they will receive.
Self-realization. Investment projects on the Internet provide an opportunity not only to earn a stable income - they can serve as an impetus for changing activities and mark the beginning of a successful career in one of the areas of business.	Literacy in the matter. There is no point in pouring money into binary options if you don’t even know what they are. A general idea is the minimum that everyone who wants to invest in an Internet project must have.

In fact, Internet investment projects are the same network companies, and investing money is a loan at interest. The result of your work largely depends on the level of reliability of the project, which results in passive income.

What types of investment projects exist?

The issue of investment must be resolved gradually. The first priority is to decide in which direction you want to work.

Today, there are three types of projects on the Internet that can serve as good sources of passive income.

1st variety– PAMM accounts.

For those who do not understand the issue, but have money that needs to be put to work. The point is to entrust your hard-earned money to others so that they can force them to work for a percentage of the profit.

Algorithm for PAMM accounts:

1. Transfer of the investor's finances into trust management to a private person/company.
2. The trader uses the money received to make money on the exchange. How much he can increase the initial capital depends only on his skill.
3. Profit is distributed monthly between the investor and the trader in a ratio of 50% to 50%. If the success of the enterprise was not so noticeable, it is possible to increase the investor's percentage by 10% -30%.

Scope of work: all types of exchanges. The priority direction is the stock exchange, since the likelihood of losing money on stocks is the least likely. Most companies organize PAMM portfolios, which, through diversification, offset traders' losses and almost always bring the investor into the black.

2nd variety– investment funds.

One of the most stable options for investing money through online investment projects. The Fund acts as an intermediary between the customer of the service and its provider.

What is the benefit:

For the investor.

Although the interest rate of such projects is low, the stock companies provide guarantees, which means that if the customer loses money, part of the investment losses will be reimbursed.

For the customer.

With large amounts of funds, the number of small investments can reach 1000 or more, which is very difficult to control yourself. Hiring the services of such companies will help you save a lot of time.

Investment projects on the Internet operating through funds are the most popular among people offering users startups (potentially profitable ideas that require money to be implemented).

3rd variety– banking projects.

Investment Internet projects that cooperate indirectly or directly with the banking system. The principle of operation is similar to a regular deposit, but here you can invest money in a greater number of areas of activity.

This is the rarest type of project, since the benefit for the intermediary is minimal.

Whatever direction of work you choose, always be extremely attentive to the project on the Internet. Choosing a quality resource is 90% the key to enterprise success.

Risks in working with investment projects

Money + Internet – a combination of these words always brings with it a long trail of scammers who strive to snatch hard-earned money from the hands of ordinary people. When investing money online, you should be wary of 2 main dangers that absolutely anyone can face.

Danger 1 – Scam.

(HYIP), which has acquired a new name in Internet projects. It is based on inflated profit figures - up to 12% per day of the investment amount. As long as users pour in money, the project lives. But as soon as the flow of money dries up, the site bursts like a soap bubble.

Scam operation scheme:

1. Fraudsters create a website and promote it online as a profitable online investment project with high profit margins.
2. Initial user deposits are collected and through them interest is paid by the “old men” - those who made the first investments in this project. This principle works until the influx of people willing to participate begins to decrease.
3. Payments stop abruptly and the site ceases to exist.

If the “old people” of such projects can partially compensate for losses from interest on investments, then recently registered investors are left with nothing. The lifespan of such investment projects on the Internet is no more than 12 months.

The main signs of Scams include a very aggressive advertising campaign and sky-high annual investment rates - about 4000% and above.

Danger 2 – Financial pyramids.

Every online investment program and project has a referral system. For some companies, this component plays a key role.

The principle of operation of a financial pyramid:

1. A person registers on the resource.
2. Activates an account by depositing a fixed amount.
3. Searches for and attracts new users, which will give him additional profit from the referral system.
4. Victims repeat steps 1-3 and so on in a circle.

The pyramid cannot be considered a full-fledged investment project, since the amount of profit depends on the activity of the investor himself. Some scammers very skillfully disguise themselves as ordinary investment projects. A person, without knowing it, gives money to deceivers + unknowingly becomes an accomplice in the scheme, luring referrals into the pyramid.

Remember: a successful project must have a stable source of income. If the description does not contain clear arguments regarding this issue, do not invest there under any circumstances, otherwise losing money will be a matter of time for you.

Having eliminated the two dangers described above, you can immediately begin choosing an investment project on the Internet. We will describe below what criteria should be used to select.

The best investment projects on the Internet: analysis

There are dozens if not hundreds of projects on the Internet that are ready to accept investments at any time. Choosing a worthwhile resource is not an easy task and requires a lot of time.

Our editors have selected a list that presents the best investment projects on the Internet, however, if you want to make your own choice, pay attention to the next paragraph of the article.

Criteria for selecting an investment Internet project

You need to know which indicators are important when selecting projects on the network. There are a lot of criteria, but only seven are the most important. Let's study each of them in more detail.

Criterion No. 1. Basic profit indicator.

An Internet project must have a minimum interest rate of 5-6% per month, otherwise the investment risk simply will not be justified. Most companies with such indicators are old-timers in the market, which have been bringing stable passive income to their investors for many years.

An interest rate below 3-4% may be a sign of problems for the organization, or it may simply be a project that has a lot of clients. The maximum profit rate is in the range of 26-28%. Everything above should already raise suspicions about the honesty of business on the part of the organization.

Criterion No. 2. Time.

A sore subject for all Internet investment projects. It is very rare to find companies operating in this market for a year or more. High interest rates for investors, internal financial problems - this and much more can become an insurmountable barrier to the further development of an Internet investment project.

Choose young companies that have only recently set foot on the path of accepting investments. Having kept finances in a project for 5-6 months with a gain of +50-80%, you can leave the business and start looking for a new source of passive income.

Criterion No. 3. Marketing.

According to the marketing plan, experienced investors can read Internet investment projects like an open book. What can a beginner pay attention to?

Stable resources set a number of conditions for the return of money or percentage of profits. You shouldn’t be afraid of such features - they make it possible to clearly control the progress of affairs for the company, which means that consistently paying their investors is not a problem for them.

Criterion No. 4. Official web resource.

The website design is like a candy wrapper. And not always, the brighter it is, the more stable the resource works. Investment projects on the Internet should be informative + convenient functionality. Your personal account must provide a wide range of opportunities.

What should raise suspicions:

• low functionality of the resource - this means that the site was created in a hurry, and it is possible that for fraudulent purposes;
• not all links are working;
• empty sections/subsections of the website;
• the translation is very lame (foreign projects may be an exception).

Criterion No. 5. Internet project affiliate program.

A significant additional source of passive income when investing in Internet projects is. Depending on the type of affiliate program, referrals can bring, in addition to the standard 5-20% of investments, another +5-10% of funds.

If the affiliate program has too high income indicators, be careful - it is possible that the site may belong to scammers. Study additionally user reviews about this investment Internet project and do not deposit large sums, at least at first.

Criterion No. 6. Reputation.

What is the best way to check the reliability of an Internet project? Only based on the reviews of others - the same investors who have already managed to use the services of the site and made money/burned out in business.

Where to look for opinions is a rather complicated question. Some resources hire people through services who promote the project with the help of reviews and positive reviews on the Internet. So not all reviews will be real. It is best to read responses on popular thematic forums, for example here: http://www.ek-ua.com/forum/

Pay attention to the structure of each comment regarding the project. Pretense and presenting the service only in a positive light is a clear sign that the review was written by a person who is not directly related to this investment project.

Also, you should not constantly rely only on the opinions of others - it is better to ask for advice from an experienced investor (on the same forum or from a personal acquaintance), or rely on your own work experience.

Criterion No. 7. The reality of the information provided.

Company registration, hotline support, office location in the country - this and other information must be 100% verified. If there is an opportunity to meet with a company representative, this is only a plus for the project.

Fraudsters will not spend much on offices and other elements of a real investment enterprise. Documentation with other facts about the real existence of the company will give a significant “+” for the project on the Internet (you can find it, for example, on the project’s website).

Adhere to the “aware is forearmed” tactic. Only by observing all of the above 7 criteria when selecting an investment project on the Internet can you find one worthy of your attention.

Better yet, don’t take unnecessary risks, but use our ready-made rating.

TOP 10 investment projects on the Internet: in detail

Now that you and I have already drawn up a picture in our heads of how to select an Internet investment project, we can proceed directly to the choice.

Our editors have selected the best investment projects on the Internet from a huge list of resources on the Internet, which best meet the criteria and consistently pay money to their investors.

No. 1. https://invest-vision.net/home

With the growth, Internet investment projects of this type have received a second wind. This resource is one of the brightest representatives in the field of bitcoin trading. The site has been operating since November 2017, and the company itself was registered in Scotland back in 2014.

Deposits for 1 year, an advanced affiliate program, withdrawal of money in more than 15 ways - this is not the entire list of advantages of this investment Internet project.

Every month the company pays bonuses to the most active partners (those who bring the most referrals). Withdrawals are made to popular payment systems in our country.

No. 2. https://gmt-forex.com

The investment project carries out all its operations through the Forex exchange. The resource is new - registration occurred in September 2017. The direction itself is very promising + there is the opportunity to work with PAMM accounts. The trading process occurs automatically, and the level of income is directly proportional to the amount of investment.

The minimum amount for payments is from $5 to Perfect Money, Bitcoin and Payeer wallets. The duration of the transfer depends on the payment system, but does not exceed 5 days from the date of application. The amount of profit fluctuates within the deposit package that the investor purchases at the beginning of his journey on the project.

No. 3. https://madisonalliance.com

The investment project has been operating on the Internet since October 2017. Specialization - investing in commercial real estate. Basically, these are 4-5 star hotels, or promising restaurants for “high society” in developed European countries.

The deposit has no expiration date, and the percentage of income on the invested money is accrued every 24 hours.

Money is withdrawn through standard corporate electronic wallets (PerfectMoney, Payeer and others). For small transfers (up to $40), funds are credited to your wallet instantly. The deadline for withdrawing large sums from a project, according to the regulations, does not exceed 2 days from the date of submission of the application.

No. 4. https://cashbery.com

An investment project on the Internet, operating since January 2017. Offers 4 areas of investment - two are related to lending to large and medium-sized businesses, and the other two are related to trading in the securities market.

A big plus for the company is the insurance fund, the size of which reaches $3,000,000,000, which indicates the reliability of the project and the possibility of stable payments to investors.

The deposit is made with a minimum period of 3 months, and the maximum period reaches 14 months. Interest accrues daily. The system holds periodic promotions for bonus offers and awards bonuses to the most active investors.

The referral system consists of 5 levels + a fixed bonus is awarded for each person referred. Withdrawal of money is carried out both through electronic wallets and with the help of a bank.

No. 5. https://coinway.top

A young investment Internet project, operating since November 2017 and specializing in investments in Bitcoin. You can also invest money in foreign currency - investments are automatically converted into BTC. The project has open statistics, tracking which you can monitor the state of affairs of the company.

The project's referral system is accompanied by a career - promotion entails additional bonuses and increased rates of return on investment. The duration of the deposit is fixed – 4 months.

Payments are made in dollars or bitcoins to popular electronic wallets. Enrollment period is from 4 to 6 days.

No. 6. https://hbmcor.com

An investment project on the Internet, positioning itself as a deposit fund for microcredit and issuing loans to medium or large businesses. The company has a personal network of pawnshops throughout the country, which gives more confidence in the long term of the enterprise.

Upon registration, all users receive a bonus of $10 to their system account, but to carry out the operation they must write to the administrator’s mailbox, which is listed on the site.

Deposit funds work for the investor for no more than 1 year, and their return is included in the interest payments themselves, the amount of which is very good for a project of this type. The affiliate program works on the career principle - the higher the position, the better the bonuses.

Withdrawals start from $0.5. Up to $1000 the process is carried out instantly, above - according to the regulations of the system.

No. 7. https://chininvest.com

Internet project operating since June 2016. The main sources of financing for the company are tourism and the stock market. Since December 2016, “In China” began investing money in the industrial complex of China, and this area is planned to be a priority.

Short deposit periods (up to 5 months) allowed hundreds of investors to complete the cycle, who gave positive feedback on the work of the project. Although the affiliate program consists of only 3 levels, the percentage of income from referrals completely covers this drawback.

Withdrawals are available to popular Russian electronic money systems (WebMoney, QIWI and others).

No. 8. https://you-play.online

An investment Internet project that has been operating on the Internet since November 2017 and is engaged in providing funds for game development. In addition to investing in other gaming projects, the company has its own department, which has already proven itself quite successfully in the gaming industry. The level of profitability is average.

The deposit lasts from 1 to 4 months, after which the investor withdraws his money from the system. The maximum investment size is not so high, so this resource is worth your attention if you plan to create an investment portfolio with several projects at the same time.

Minimum payments start from $1 and take no more than 2 days from the date of application.

No. 9. https://china-uni.com

Investment project operating since November 2017. The company is engaged in the implementation of communications in the People's Republic of Korea. A special feature is the floating rate of earnings. Depending on the investment, a special department carries out monthly calibration and issues the exact percentage of profit to each investor.

The deposit is not issued until the profit is 150-220% (depending on the chosen tariff). The affiliate program consists of only 2 levels, but the bonus is a 10% bonus on binary profit from the referral’s active deposit. Money is withdrawn through Payeer or PerfectMoney, starting from $2 and only on Saturdays.

No. 10. https://solargroup.pro

An investment project promoting and investing money in the production of asynchronous motors on the world market.

The company offers to purchase shares at a discount with huge discounts - a package of 240 thousand shares can be purchased for only $500. When trading on the stock exchange, the cost of each security increases to $1, which means that an investor can earn up to $200,000 with the right strategy within a year.

The affiliate program is based on a career ladder - the higher the indicators, the steeper the interest rate. Payments are made to popular foreign payment systems, cryptocurrency wallets and through standard bank transfers. The minimum payout starts at $45.

To successfully start your activity as an investor, you must adhere to many rules. Selecting a project for investment is only 20% of the entire journey. Below we will provide tips that will help beginners get comfortable in this area and prevent losing their hard-earned money.

Make a strict allocation of funds - which ones you allocate for personal needs, and which ones you are ready to invest in an investment project. Establishing clear boundaries will allow you to avoid getting into debt and limit losses, if any.

The following condition from the first tip. Limiting yourself and not being influenced by excitement is your first priority. It’s clearly not worth going into debt for the next tranche.

From each interest payment on investments, you should put 20-30% into your personal pocket. Investing for the sake of investing is not the best option for running an investment business. Passive income must generate income, otherwise there is simply no point in it.

A salary increase is a psychological factor that always affects a person negatively. More money means you can afford to spend more – so we think.

If you can control yourself and not get inflated in terms of purchases, it will be easier for you to visually feel the increase in passive monthly profit.

Do not take loans and microloans to invest in Internet investment projects. It is not a fact that the money will pay off, and risk insurance in the field of network investing is not provided.

We have already talked about diversifying risks into benefits. The loss of money in one project can be offset by profits from others, so do not neglect this advice.

Try to get your invested money back as quickly as possible. It is unknown when the project will collapse, all the remaining money will disappear and it will not be possible to return it.

Once you make money on a project, don’t stop. You can keep part of the money received for yourself, and invest the rest in other investment programs. This way, you can gradually achieve high results without making additional infusions from your own pocket.

Review of investment projects. Where to invest money?

How can you make money on the Internet?
Profitable investment of money.

Sites that offer you gains without any problems are outright lying. Investments via the Internet already imply certain risks, and if everything is presented to a person only from a positive point of view, it is worth thinking about the integrity of the resource

By adhering to these principles, even the most inexperienced will be able to properly invest in Internet investment projects and receive passive profit from them in the shortest possible time.

Smart investing is the key to a highly secure future. By placing free money in promising investment projects, you have the opportunity to significantly increase your wealth. What instruments are potentially profitable and what kind of profitability they can bring to a novice investor, we will analyze in detail in today’s article.

You can invest your free money in these projects:

Sources of investment

The question of where to get free funds is asked by those people who are already thinking about their future. As you know, there is no such thing as too much money. Therefore, if you do not purposefully take measures to accumulate capital, then there will be nothing to invest. So where can you get free money to invest?

Let's consider 3 reliable options:

1. Save 10-20% of your salary . This option always works. It is important to determine how much money 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 many options and they are not so profitable compared to investments of 100,000 or more. But you can view investing a little money as a temporary milestone that will take you to a big goal.
2. Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can donate initial capital to a good cause free of charge.
3. Additional income . As sources of additional earnings, you can consider overtime work at your main place of work or short-term options with low pay. Of course, you will have to work more. But it's worth making the effort to earn passive income in the future.

TOP 17 ways to invest free money

So you have some capital and you want to make it work. Below is a list of 17 working ways where you can invest your free money. All you have to do is adapt them to suit yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

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

2. Securities

Shares are one of the most attractive, but also the riskiest options. As practice shows, it is better to entrust the management of securities to experienced professionals, although they cannot guarantee income. The peculiarity of this method is that there is no upper ceiling for profit or loss. 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 mistakes that 90% of novice investors make, and.

3. Real estate

It’s a fairly popular method to spend free money. After all, investing means getting the opportunity to quickly earn income and cover mortgage payments with it. However, it must be taken into account that if the apartment is not rented out for some reason, money must be paid from your own pocket. In the case when housing is purchased with your own capital, you will receive a stable profit with minimal risks. It is most profitable to rent out an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to make money on shares of popular companies, banks and corporations. The way options work is structured 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%.

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

Option investing is done 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 strict restrictions from the franchisor.

Read separate publication, 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 savings and for this there are a number of reasons:

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

With all the advantages, it is worth considering that competition in this area is huge.

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

14. Social networks

The topic of making money from public accounts on social networks does not lose its relevance. There are active discussions on the Internet about whether it is still possible to make money from your group or whether 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 investor’s organizational skills and experience in promoting projects.

In any case, doing social networks yourself, you won’t need a lot of money. If the circumstances are successful, you will receive a good income from selling advertising; if the experience is unsuccessful, nothing will prevent you from selling the unprofitable group.

15. Education

At the beginning of your career, it is very important to invest in gaining knowledge. New skills provide an opportunity to establish yourself as a competent specialist and earn more money for a comfortable life in the future.

16. Structured products

A stable way to invest your savings, which gained popularity at the height of the crisis and is still in use today. The idea is to divide your capital and invest the bulk of your investment (80%) in bonds and the remainder (20%) in futures and options. This combination allows the investor, if successful, to receive up to 40% profitability, and if unsuccessful, to remain with his funds.

Pay attention to the comparison table below (click on the image to enlarge it):

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

Profits may be higher if we are talking about, but it is important to carefully monitor news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal with the aim of increasing it as a result of trading activities on Forex. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. If you lose, 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 your free money. The threshold for entry into the listed alternatives is affordable, so you can try all the tools and determine the one that suits you with virtually no monetary losses. 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.

Related Posts

Investment projects on the Internet every day they are becoming increasingly popular among those who want to make a successful investment and quickly make a profit. Particularly attractive are offers with daily payment, which involve a reduced level of risk, short terms, and quick withdrawal to the wallet.

Depending on the specific program, you can receive both relatively small and impressive interest, and frequent withdrawals allow you to reduce risks by constantly minimizing the invested amount.

Features of choosing investment proposals: what to look for

Choosing investment projects on the Internet with accruals every day, it is necessary to approach this issue carefully, since due to the popularity of the field, many scammers work here. There are companies that actually pay, and there are those that do not return funds. Quite a few HYIPs have also appeared, where payments are made exactly as long as new participants in the scheme are attracted and stop when the flow dries up.

Conventional investment funds accept funds from clients through electronic systems, and then distribute them among a variety of financial instruments: these can be stock market assets, various trading platforms, objects of the real economy, etc. But their profitability is quite low, but the level of risks is approximately at the same level.

Despite the fact that many Russian users are still wary of such options, there are reliable investment projects on the Internet, thanks to which you can provide.

When choosing, you should focus on the following basic criteria:

• The presence of positive reviews from clients– it is better that these are trusted users and recognized experienced specialists who value their reputation and will not recommend a project for a couple of hundred dollars for a review
• Mentions in the media- not the most reliable criterion, but at least the fact that the administration took care of such advertising indicates a focus on the future and long-term work
• Technical part of the site– availability of an SSL certificate for effective data protection, professional protection against attacks, dedicated server, high-quality and unique design, convenient and thoughtful functionality, good performance of the web resource
• Efficiency support response
• Not overpriced and justifiably rational affiliate program– with a guarantee of 40% per day, the cash register will be cleared instantly and even the best investment project on the Internet will quickly close

Where is the best place to invest - in what projects?

Among the main interesting proposals that have already proven themselves are:

Advantages and risks, choosing a specific offer

By choosing daily payment, the investor receives such advantages as the opportunity to work with the system at any convenient time, the chance to make a profit regardless of qualifications, status, or location. Funds are deposited into the account in any convenient currency - all services work with both bitcoins and US dollars. You can withdraw instantly, and the profit is often quite high.

Among the main risks Such investments are worth noting: the inability to track investments, see how and where they are made, understand whether the company is really making profitable money for itself and its clients or is it just an ordinary hype. If the company is registered offshore, filing a lawsuit is not relevant. It will not be possible to recover losses even in the event of bankruptcy, or simply the disappearance of the administration with the depositors’ funds.

Therefore, when choosing a specific service, you need to pay attention to:

• Minimum and maximum deposit amounts
• Percentage and duration of payments, variety of plans and offers
• Affiliate program terms
• Level of technical support, communication with the administration