To answer such a question, you must first of all decide on your goals (to earn more or, on the contrary, to protect your capital as much as possible) and the timing of investment - unfortunately, there is no universal advice here.

If the main goal is to save funds, then there are several simpler options: a bank deposit (or rather, several deposits within the range of 1.4 million rubles each - an amount guaranteed by the state), the purchase of some sovereign bonds (for example, US Treasury bonds de are actually considered a risk-free asset) or investments in structured products with capital protection. Yes, the return in such scenarios will be low (and the real return adjusted for inflation may even be negative), but you have virtually no risk.

If you want to turn your modest savings into significant capital, then you have exactly the right path: either you take on increased risks (and, as a result, get increased returns), or you take on low risks, but over a long period time.

The first approach is that you invest in risky assets that promise you high returns in return - I recommend investing in stock market assets. On the one hand, this is an opportunity to earn extraordinary returns - and few alternatives can offer you a comparable return on investment. On the other hand, unlike the FOREX market, for example, stock markets are very strictly regulated - and, provided you choose a reliable and conscientious broker, you will be largely protected from counterparty risks. However, it is important to understand that, unlike a bank deposit, no one will give you any guarantees here - if you make mistakes when investing, you may lose a significant part of your funds. Thus, I recommend this approach only if at least one of the following rules is met: either you actively manage your investments to minimize losses, or you must be prepared for certain losses - this in no way means that you will definitely suffer them , but when taking on such risks, you must be prepared for this - in other words, I would not put my last money on the stock exchange.

The second approach is based on a simple principle: money makes money. This is, in fact, a rather surprising fact - everyone seems to understand it, but most do not realize the extent to which “old” money helps make “new” money. To demonstrate this effect, let's look at the following example: you deposit 4,000,000 rubles. to a bank deposit with monthly interest capitalization for 10 years at 10% per annum. How much do you think you will receive when the deposit expires? Most will multiply 10 years by 10%, get 100% and conclude that their initial investment will double over that period - and most, as mentioned above, do not fully understand how exactly capitalization of funds works. Your risks remain unchanged throughout the entire deposit period, but the amount on which you receive interest changes every year - the interest you receive is added to it. Thus, you begin to receive interest on interest (...on interest on interest...), and provided that the investment period is long, the effect is very noticeable: after 10 years, your 4,000,000 rubles. will turn into 10,836,965 rubles. – and every year this effect will become stronger. So, for example, in 30 years your initial deposit will turn into almost 80 million rubles. - versus only 16 million rubles. without interest capitalization.

Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂

There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest your money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amount of money you are going to invest: small or large, this article will be as useful as possible for you!

In addition, you will learn:

• What investment options are there, what are their returns and which one should you choose?
• Where can you profitably invest money on the Internet?
• How to invest money correctly so as not to burn out?
• And also about where it is better not to invest your money!

Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.

No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).

You should always remember this, because investments can bring both profit and loss!

Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.

Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.

But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

We will also consider all the pros and cons of each investment option.

Third to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute it like this:

1. conservative portfolio (bonds, real estate, precious metals...) - 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (foreign exchange market, cryptocurrencies...) - 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!

On the contrary, many people strive to receive maximum income, but at the same time completely forget about risk. And as a result, due to greed, they are left with nothing.

Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important rules of investing!👇

2. Where is the best place to invest money in 2019 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest your money so that it generates income!

Option #1: Bank deposits/savings accounts

DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 6% to 8%.

Deposit rates have been falling steadily downward in recent years and are likely to continue to fall in the future.

How to make money on stock growth - Google example

In 3 years, Google shares have grown by more than 100%!

For these purposes, so-called “individual investment accounts” (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).

☝️In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But naturally, there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!

The biggest risk for stocks (for those who bet on their growth) is a financial crisis! The rest of the time, shares generally grow steadily and show good profitability.

Alternatively, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (100 US high-tech companies).

If you do not want to invest personally, then there is an option to entrust your money to professional managers. But I will describe this in detail below.

CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.

Profitability:	Risk:	Payback:	Minimum investment:
15-100% per annum (change in share price + dividends)	depends on strategy	1-7 years	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium/high)	(⭐️⭐️ - medium/high)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal/moderate risks you can get relatively high returns.	(+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold.	(- ) Knowledge required. Uncontrolled risk and “flirting” with the market can lead to significant losses.	(- ) In the event of a crisis, shares can seriously and quickly fall in price.

Option #4: Bonds

DESCRIPTION: Where do you think the big banks invest their money? Mainly in bonds! Yes, they provide a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the simplest instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.

For those who don’t know, a bond, simply put, is an IOU. Only large companies and states can act as borrowers.

? By the way, Sberbank and VTB24 recently began selling national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most bank deposits currently available. Moreover, in the future, deposit rates may decrease.

You can also consider bonds of large, reliable companies - their rates will be higher! For example, on Sberbank bonds the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, you can invest large amounts of money in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.

Bonds, just like shares, can be purchased through an individual investment account (IIA) without having to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.

Profitability:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and above)	depends on bonds (for government bonds - very low)	7-12 years	from 10 thousand rubles
(⭐️⭐️ - medium/low)	(⭐️ - low)	(⭐️⭐️ - medium/low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low yield compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less confidence in it.

Option #5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles per 1 dollar, and you sold dollars.

As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).

You can trade on Forex either yourself or give money to professional traders to manage (this will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.

It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise trading will most likely turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to strategy, then you can actually make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $1, you still need more or less serious investments (preferably from 100 thousand rubles), since even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be that big.

In my opinion, one of the most effective trading strategies on day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!

Among reliable brokers you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore riskier. However, with skillful investing you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and above	depends on the strategy (initially has a high risk)	1-7 years	from 100 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If you have an effective strategy, you can get high returns.	(+ ) Low entry threshold and accessibility.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you don't manage your risk. 99% of beginners lose their money.	(- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period.

Option No. 6: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold...).

That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.

All you need to do is distribute the initial investment amount into parts (preferably at least 5-10) and invest in different managers.

For example, the Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.

At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.

⭐️ About profitability!
The income here can be quite acceptable - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!

PAMM accounts and PAMM portfolios for investments must be assessed based on at least 3 parameters:

• account/portfolio age,
• past profitability,
• funds invested by other investors.

For example, here is one of the most popular PAMM accounts on Alpari:

PAMM account “Lucky Pound” and its profitability (click to enlarge)

💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.

However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.

Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been generating losses over a long period. This is the whole secret of investment!

Read more about how to properly invest in PAMM accounts (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information there!

With larger initial capital, you can work with large stock brokers (for example Finam and BCS), which also provide various trust management strategies.

For example, you can give Finam in trust from 300 thousand rubles. Their website presents dozens of diverse strategies: conservative, moderate and aggressive.

Of course, both brokers and managers also cannot 100% guarantee that you will receive income.

I would like to tell you a few words about the so-called “structured products”.

They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely in specific stocks, futures...), which experts expect will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.

Here is an example of structured products on Alpari:

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Especially suitable for beginners.

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and above	depends on the type of strategy: conservative, moderate, aggressive	1-8 years	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By distributing funds among the most effective managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option No. 7: Own/partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated or simply invested in someone’s business at the development stage.

Another option is to buy a ready-made business or open a franchise business (in this case the risks will be much lower).

Moreover, even if you have a small initial capital, you can still open your own business. Many people have opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and desire!😀

I myself started a successful business from scratch several times! By the way, if you look at the statistics, then among millionaires there are about 70-80% - these are entrepreneurs who started a business from scratch!

✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!

As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«

Read about how to find your favorite job/work of life.

If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s small at first. The main thing in this matter is not to be afraid take the first step!

Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?

Here are some more useful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a service business.

I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂

By the way, goods from China are now very popular, where the markup can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page websites).

Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.

Moreover, in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.

Read more about how to organize in a separate article!

CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	At the initial stage there is a high risk	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest returns among all investment instruments.	(+ ) It is easier for a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business.	(- ) You need to understand business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn.

Option #8: Mutual funds

DESCRIPTION: Mutual funds can also be classified as trust management, which we have already talked a little about.

Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (investing in certain stocks, bonds...).

Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:

Profitability of mutual funds for 11 months

However, mutual funds do not provide a guaranteed profit, unlike bonds and deposits; there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example Sberbank.

If this type of investment is suitable for you, then it makes sense to choose not one mutual fund, but several, in order to distribute possible risks.

And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on forums. With this simple action you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.

Profitability:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average yield exceeds interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as state control of the activities of mutual funds.	(- ) There is no guarantee that you will receive income. There is an additional “commission” (surcharge) for the purchase/sale of shares.	(- ) You will have to pay 13% tax on profits - many other investments have preferential tax conditions.

Option No. 9: Microfinance organizations (MFOs)

DESCRIPTION: Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum period in MFOs is usually 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest money in bonds or in a bank at interest.

If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.

⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.

After all, it is better to invest money in a reliable organization at a slightly lower interest rate than in a newly established MFO with a high interest rate.

Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀

And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉

CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years	from 1 million rubles
(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passive income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in the event of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. Moreover, such investments are highly reliable!

It is especially important to invest money in gold and other precious metals during a crisis, since this is where money migrates from the stock market.

Gold coins/gold bars can be purchased from almost any bank (Sberbank, Gazprombank) or from brokers (for example, Alpari).

Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for a longer term period of 3 years or more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.

The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term for the purpose of preservation.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis the yield is higher)	Minimum	7-20 years	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis.	(- ) Low profitability during periods of economic growth and development. Income tax is 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.

Of course, the best time to invest was a few years ago when Bitcoin was worth around 150-200 dollars.

Some experts say that in the future Bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that Bitcoin is about to collapse. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably increase in price.

Moreover, while cryptocurrencies are showing a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it and yet it is a rather risky investment instrument.

For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for themselves, one thing is clear - it is definitely not worth investing all your money in them!

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If cryptocurrencies grow, you can multiply your invested funds in a short period of time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies; in a matter of days they can both rise in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. There is a complete lack of guarantees - if you lose money, no one will return it.

Option No. 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

The following directions are currently popular:

1. Websites. Information websites are created and filled with unique content.

With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very large, since the topic of the site determines how much income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.

But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.

2. Social publics. Surely almost each of us is subscribed to some community on social networks (VKontakte, Facebook, Odnoklassniki...).

Meanwhile, the owners of such public sites also earn money mainly from publishing advertising posts. In public pages with millions of subscribers, the cost of one advertising post can be 2-7 thousand rubles .

Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, you won’t have to wait long for success!

3. CPA affiliate programs/traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods/services.

For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.

If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, the main investments here go specifically to advertising.

But in this case, experience plays the main role, without it you can’t go anywhere!

4. Online services. You can also invest money in creating an online service. These include various freelance exchanges, message boards, exchangers...

For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is with the help of exchangers. By the way, you can also purchase bitcoins using exchangers.

Exchangers, in turn, charge a small commission for the exchange (usually 1-5% ). Due to turnover, a fairly decent income is obtained.

5. Applications for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is circulating.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.

Even if you don't know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, the key role is played by the idea - the success or failure of the application depends on it.

6. Hype. HYIPs are in reality a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them is correspondingly several times/tens of times lower.

In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High profitability. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort.	(- ) There is a risk that the project will not take off and will not pay for itself.	(- ) Knowledge will be required. You need to have a good understanding of the key nuances of online business.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad; in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is their very, very high returns, they can bring in thousands of percent!

But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.

Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .

There are basically several ways to invest money in startup projects:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investments are poorly developed in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from $500,000)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible return.	(+ ) It is not always necessary to invest large amounts of money at the start of a project.	(- ) Very high risks, most starting projects turn out to be unprofitable.	(- ) Fraud is widespread - investment platforms can turn out to be financial pyramids.

Option #14: Art objects

DESCRIPTION: Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent profit on investments.

❗️ The only important feature is that such investments often require large investments . And besides, to get a good return you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only become worth more over time.

And the crisis has virtually no effect on the value of art objects.

CONCLUSION: This type of investment is suitable for those who understand at least something about art and are ready to invest money for the long term.

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and above	minimum	usually from 1 to 3-5 years	from 100,000 rubles and above
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - average)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get relatively high returns with minimal risks.	(+ ) High reliability. Over time, art objects only increase in price.	(- ) Often, investing in art requires a large initial capital and involves long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option No. 15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience...).

It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.

I think more than once you have heard stories about how most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of it in your development: attend trainings, webinars and seminars.

One of the most important differences between investing in knowledge is that no one can ever take it away from you. You can lose everything, but not the acquired skills and experience.

For example, in the USA they conducted an experiment: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after just a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t forget that even a bad experience is also an extremely valuable experience! 👍

Profitability:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks/months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn it into money.	(- ) For many, it is difficult at first to motivate themselves to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules of proper investing - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!

First, what I already talked about at the beginning of the article is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.

Instead of investing everything in one tool, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.

If you have very little money, then think about starting your own business.

Second— try to invest most of your funds (40-60%) in assets with the lowest risk; the optimal choice between profitability and risk, in my opinion, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.

Believe me, this is an already tried path on which hundreds of millions of rubles have been lost!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.

It will also be great if you learn to give 10% of your profits to charity.

As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!

I will not consider very risky investment options in these examples. Let's consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. As a last resort, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try investing in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

This is also a relatively small amount by investment standards. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate at the construction stage, then you can invest in it.

— Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.

For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts/portfolios, or invest them in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also advisable to divide the amount into 3-5 parts), gold, art objects...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• With the remaining amount you can try to open a business (including on the Internet).

5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud

At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially nowadays, fraud flourishes abundantly on the Internet (and not only!).

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.

Both on the Internet and in real life, people often come across “super profitable” projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payments, very favorable conditions, etc. - all if only people would invest their money.

Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from other people's greed!

Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.

Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.

I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (it’s not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience was at least a little valuable for some of you and you have already decided where to invest your money! 😀

Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!

Most Russians, due to the ongoing financial crisis, have long forgotten what significant savings are. The sharp devaluation of the ruble triggered a consumer boom back in the fall of 2014. Then colossal sums, stored in bank deposits and under mattresses, were spent on furniture, household appliances and cars. However, not everyone parted with their blood, even in the wake of general hysteria. Some kept their savings, others parted with excess property during this time, and others received an inheritance. And now they are thinking about where it is more profitable to invest their small wealth. Here are some popular ways to spend your savings.

Bank deposit

The easiest way to save relatively little money is to open a bank deposit. This is how Russians most often manage amounts of up to a million rubles. This, on the one hand, will ensure constant income in the form of interest, on the other hand, the state, represented by the Deposit Insurance Agency (DIA), guarantees the safety of amounts up to 1.4 million. That is, even if your bank goes bankrupt, the DIA will return your savings. This method is also good because it is not necessary to have extensive knowledge in the financial sector or an analytical mind. It is enough to choose a reliable bank with acceptable conditions and determine the period for which you are willing to invest money. The simplicity and reliability of this method are quite attractive, which is why today there are trillions of rubles of the population on bank deposits in Russia.

But there are also a number of significant disadvantages. Firstly, a significant part of bank deposits does not involve active expenditure and income transactions; accordingly, the money will lie “dead weight” for the time being. Secondly, if you terminate the contract early and withdraw funds, you will most likely lose most of the interest. And finally, even if the money waits for its “X” hour, as stated in the agreement with the bank, the rates set today at 6-8 percent per annum will not cover real inflation. As a result, your money will still lose value. Keeping your savings on deposit is, of course, better than under your pillow, but you can forget about significant returns.

Land and real estate

Acquiring land and real estate is a fundamental investment that should never be forgotten. Although housing prices are subject to fluctuations, in the long term these are perhaps the most reliable investments - they are definitely not in danger of default. After all, real estate over time can be sold profitably, rented out or left as an inheritance.

True, if we are talking about an amount of a million rubles, then you can’t even dream about buying liquid property. Moreover, both in Moscow and in the regions. At best, you can count on a room in an apartment or communal apartment. In order to purchase an apartment during the construction stage of a house, even in the provinces, you need at least 1.2-1.5 million rubles.

Purchasing a plot of land in this case may turn out to be much more profitable, especially if it is land in a future cottage village somewhere in the Moscow region. But even here a number of nuances arise. In particular, you need to carefully study all the documents (in this case, legal “subtleties” can play a cruel joke), evaluate the prospects for the development of the selected area, access to communications and a lot of other points. In general, you will have to choose wisely, but if you do everything right, your efforts will more than pay off.

Purchase of securities

Buying stocks and bonds is very popular in Europe and the USA, but is not very common in Russia. This is partly due to poor financial literacy, partly due to the low level of income of the population. But if you have a million rubles and a sufficient level of knowledge, this is the method just for you. When buying bonds, the profit is generated by coupon payments - the so-called coupon income. Funds are usually credited quarterly or semi-annually. If you create a portfolio of bonds with different payment dates, you can receive a certain percentage of profit every month. Bond yield is significantly higher than the yield on bank deposits.

Investing in shares is a more complex process, since income will depend either on the value of the shares themselves (and they can not only become more expensive, but also cheaper), or on the size of dividends. In addition, such investments will require market analysis and a time frame of several years - it is during such periods of time that shares of large promising companies most often demonstrate significant growth. The average return on investments in stocks is almost twice that of bank deposits.

Money on trust

If you are not confident in your abilities or you are simply too lazy to increase your capital, but you still have a million rubles lying around, entrust it to a financial manager. In this case, the decisive role will be played, first of all, by the experience of the manager (or management company) and profitability. Firstly, make sure the company is reliable, and secondly, study the profitability not for a month, but for the last few years. In this case, it is better to choose a management company with a small but stable profitability than a company that brought its clients 40 percent of profits one year and 50 percent of losses the next.

Another way is to invest money in Mutual Investment Funds (MUIFs). Investments are similar to buying stocks and bonds, but in this case, the professionals themselves have determined the set of securities to invest in. Moreover, most often we are talking about investments in a separate sector of the economy - oil and gas companies, retail, telecom. Investments in mutual funds and transfer of funds to management companies are a riskier investment than, for example, a deposit. In this case, all the risks in choosing a fund or manager lie with you, so you may not only not receive income, but also lose some or all of your money.

Microbusiness

A million rubles may be enough to open your own small business. However, we are talking more likely not about a small business, but about a micro business - trading from a tray, a shoe repair shop, or renting premises for a small office (in the case of providing consulting services). The state in Russia supports small businesses, and if you have an idea that will pay off 100 percent, you can also compete for some kind of grant. It’s, of course, easier to develop your own business in a team, so it’s a good idea to look for reliable partners. However, we must not forget that by opening even a small enterprise, you risk not only your own time, but also all your savings.

Every person who has a certain amount of money in his assets thinks about how to increase his capital and make money work for him. Today we will tell you how and where to invest a million in order to earn and increase your money.

Many citizens who have been able to save or earn such a sum of money will probably have the question: “Why do you need to invest money somewhere?” The answer lies in the economic processes occurring in any country. Everyone knows the economic concept of inflation, which means the depreciation of money.

In the event of inflation, there is a high probability that a million rubles, which are simply lying around unused, will gradually become not such a significant amount. Therefore, care should be taken not only to preserve them, but also to increase them.

There are quite a lot of successful investors in the world who once also took their first step towards investing. There were both successes and defeats along their path. It’s easier to learn from other people’s mistakes, but in order to avoid making them, it is very important to remember the basic rules of investing.

They are as follows:

TOP 10 ways to invest a million rubles

The best idea 💡 of 2018 —

Before looking for ways, how and where to invest money, you still need to decide on the purpose of investing. The fact is that short-term deposits are completely different from long-term ones. The desire to make quick profits increases the risks associated with investments. Long-term investments are more reliable.

If you need to turn over money quickly to generate income to purchase a certain item, you can use more aggressive investment methods. If your goal is constant passive income, use conservative investment instruments.

So, the most common methods include:

2. Bank deposit.

4. Purchase of precious metals.

5. PAMM accounts.

6. Equal lending.

8. Purchase of shares.

9. Investing in mutual funds.

10. Invest in yourself.

As soon as it comes to saving money on a large scale, the average Russian citizen immediately thinks about purchasing real estate. And this is the most common way to preserve and increase capital.

One of the basic needs of every person is to have his own land, a roof over his head, and to have his own home. Real estate will always be in demand and a reliable way to invest.

As a property owner, you can make a profit in the following ways:

• Rental income;
• Profit from sale.

Renting is the most common type of passive income. You can rent out an apartment daily or for a long period of time, and still receive income without much effort. Despite the fact that the apartment is used by a stranger, the property is yours. You can sell it at any time at a more expensive and favorable price. Rent plus the difference in cost equals the net return on investment.

Another way to make money on real estate is through purchase and sale transactions. In this case, the following schemes are possible:

• Buy property. Wait until it rises in price. Sell ​​real estate.
• Buy property in satisfactory condition. Make repairs. Sell ​​the property at a better price, which includes repair costs.
• Buy living space at the moment when the house is just being laid out or at the construction stage. After putting the object into operation, sell the property at a high price.

And everything seems to be fine, but during periods of economic downturns, any real estate falls in price. And until the crisis passes, it will continue to provide low returns. At this time, it is better not to sell real estate and make a profit only through rent.

It should also be emphasized that you need to deal with a reliable developer who has an impeccable reputation. This will protect you as much as possible and protect you from losses.

As for acquiring land, it is important to navigate the directions and know the promising areas. The land itself may be worth more than any house, cottage, etc. that is located on it.

The price of land is increasing from year to year. If this site is located close to the city, where construction of real estate or land in the city itself is soon possible and infrastructure improvements are planned in this area, feel free to take on this matter. You can sell it at any time at a favorable price.

investing in information sites. Become the owner of an online magazine! Return on investment is about 20 to 80% per annum!

Bank deposit

This method of investment remains the most reliable way to multiply capital. A bank is an excellent option for long-term storage of money. All deposits of individuals up to 1.4 million rubles are required to be insured. This is how the state protects the interests of the investor.

But still, it is better to invest no more than 700 thousand rubles in one bank. This is the amount the investor can receive as insurance compensation. And you need to choose a bank that is in the TOP 10 most reliable banks in the country. This way, you will provide yourself with emotional peace of mind, because, as a rule, these financial institutions have government support.

Of course, it’s difficult to call this method of investment profitable, but it can be affordable. The maximum that a bank can offer you is 10-12% per annum. Of course, by investing a million you can earn 100,000, but in conditions of inflation, the real income will be much less than this amount.

When making deposits, you must study all the conditions in advance. The more freedom of action the bank gives to the depositor, the lower the percentage of income. Of course, when registering a deposit, the bank places the main emphasis on the interest rate on deposits, but this is not the only indicator of profitability.

Total profit also depends on:

• opportunities to replenish the deposit;
• capitalization of interest;
• conditions for closing an account.

This type of investment is the most common throughout the world in terms of profitability in a crisis economy. By transferring money from one currency to another, experienced investors have the opportunity to receive good income even in a few weeks.

But those who are planning to invest money in foreign currency need to know:

• if you are willing to take risks, you can make deposits in dollars and euros. It is important when concluding an agreement to monitor forecasts for this currency. Its cost will vary from the world price of oil, as well as from the general picture in the global political arena.
• A promising investment would be the purchase of dollars and euros with the aim of selling them next year, when the exchange rate is expected to rise.
• A more conservative method would be to invest in the most stable currencies, such as pounds sterling, Chinese yuan or Swiss francs.

Buying precious metals

For far-sighted people, investing in precious metals is a priority, because... Inflation has no power over such metals.

This is a proven option for accumulating and earning money, but there is no need to talk about quick profits here. You can analyze the growth trend in prices for a certain precious metal over 3-5 years and decide for yourself which option to invest in.

Unlike investing in any business or real estate, the option of investing in precious metals is distinguished by its accessibility. You can at any time go to a bank that is licensed to conduct this operation and purchase the bullion available to you. In this case, your purchase will be accompanied by a document confirming the authenticity of the metal and its estimated value.

Precious metals are those metals that are used in the manufacture of jewelry. These include silver, gold and platinum group metals (platinum, iridium, rhodium, palladium, osmium and ruthenium).

Ways to buy precious metals:

• purchase of bullion;
• purchasing coins;
• purchasing antiques made from these metals;
• purchase of art objects made of precious metals;
• acquisition of gold-backed securities;
• creation of an impersonal metal account (UMA).

If you decide to purchase a gold bar, it is important to know that you will have to pay 13% tax if you decide to sell it soon. But after 3 years, there is no tax on the sale of gold.

The situation with purchasing coins is simpler - their sale is not subject to tax, but finding a buyer for them is much more difficult, especially if the coins are not collectible.

Creating a compulsory medical insurance is the most profitable way to invest money. When the price of metal on the exchange increases, the client automatically makes a profit. At the same time, he does not store precious metals under the pillow and does not come into contact with it at all. He simply transfers money to a bank account, buying a certain number of grams of precious metal.

The advantages of opening a compulsory medical insurance are the accrual of interest, as with a deposit, as well as tax exemption (VAT). But when weighing these advantages, you need to take into account a big disadvantage: compulsory health insurance is not insured by a financial institution, which means that in the event of a bank bankruptcy, you risk losing your investment.

The best idea 💡 of 2018 is investing in information sites. Become the owner of an online magazine! Return on investment is about 20 to 80% per annum!

PAMM accounts

This service is gaining particular popularity today, because the minimum deposit amount is 500 rubles.

A PAMM account is a type of investment in Forex (the interbank currency exchange market at free prices). It allows investors to earn money without trading Forex themselves.

The PAMM account works as follows:

• the manager opens a PAMM account by investing a certain amount of money into it - this is the manager’s capital. Creates an offer - a proposal to conclude a deal, which sets out the main terms of cooperation, as well as the percentage of the profit that he will receive as remuneration for managing investors' accounts. The manager risks his capital on an equal basis with his investors, which means his Forex trading is more deliberate.
• Investors, using an independent rating, study the performance of managers and invest money in the PAMM account they like.
• The manager trades on the Forex market independently. It uses both its own capital and investors' funds.
• Profits and losses received during trading are automatically distributed between the manager and his investors, in proportion to the amounts deposited.

Peer to peer lending(P2P)

This is a rather complex investment process that requires good financial knowledge and clear orientation in this matter.

P2P is one of the ways to lend at interest to individuals without involving a financial intermediary, such as a bank. You are in the role of a lender, your clients are borrowers. They are ready to enter into insured contracts at 1.5% per day. Monthly income from such peer-to-peer lending can reach 50%

This social lending takes place online on the websites of specialized lending institutions using a variety of lending platforms and credit checking tools.

True, the system that provides a platform for peer-to-peer lending takes a portion of each of your percentages. However, you will always have your 0.70% per day. After a certain time, withdraw your deposit and earn on the profits.

All peer-to-peer lending services partner with collection agencies. These are agencies that specialize in collecting overdue and problem debts from individuals. Their work scheme is similar to the work of banks with debtors. As a rule, all problems are resolved at the level of negotiations.

This is the most profitable way of investment, provided that you do not invest money in an unprofitable enterprise.

An amount of 1 million rubles is a great start for starting your own business. There are no profit restrictions in this method. You can double or triple your initial investment, or you can increase it by 10 times.

It all depends on the right choice of business. You should invest money in a business that is close to you and that you understand. The chances of high business promotion will increase if you feel like a specialist in this field. Although this is also not enough, it is important to finance your enterprise as competently as possible.

Running a business involves constant struggle and competition. If you initially feel that you do not have strong enough nerves, firmness of word, toughness and strength for constant contact with suppliers, regulatory organizations, employees, and so on, then do not rush to start a career as an entrepreneur and think about a calmer way to increase capital.

If you decide to open your own business, here are some practical tips from experienced investors:

1. Find your niche in the market with the fewest competitors;
2. Use ready-made business plans, models and business schemes;
3. Start with the sale of services;
4. Try to do without bank lending;
5. Don't be afraid to start.

Before investing such a large amount in your own business, thoroughly study the legal side of the issue and, which will allow you to look at the project from the outside, analyze its strengths and weaknesses, and assess possible financial risks.

One of the options for starting your own business is buying a franchise. This option can be separately classified as an investment, as it involves the purchase of a ready-made business product.

A franchise is the acquisition of rights to use the name, branded products, and sales schemes of a well-known company. The well-known companies McDonald's and Starbucks coffee shops successfully demonstrate franchising in its classic version. An amount of a million rubles allows you to purchase an average-priced franchise and launch your business according to the parent company’s scheme. At the same time, you do not need to invest money in a marketing campaign and incur large advertising costs.

The parent company independently promotes its product, and all companies that have purchased a franchise from it successfully use it.

In addition, franchising will save you effort, time and money, since you will receive working marketing schemes, a ready-made business plan, and advertising support. In fact, this is the purchase of a ready-made business, which in the future simply needs to be supported and developed.

The only drawback is strict control on the part of the parent company and certain financial risks, which, in principle, can be encountered in any business. You should understand that you are only buying ready-made schemes for a successful business, and you will have to build all further activities and strategy yourself.

Unlike PAMM accounts and bank deposits, your own business (with or without a franchise) can hardly be called passive income. But there is also a huge plus here - there is a chance of making a quick and large profit.

Purchase of shares

Today, purchasing securities may well become a source of stable income. In the event that you become a shareholder of a reputable company or enterprise, you can count on profit, which will be generated due to an increase in the price of shares, or through the payment of dividends on them.

Despite the fact that there are cases when the price of shares has increased tenfold, you should not rely only on luck. This investment instrument must be mastered thoroughly. To avoid going bankrupt, entrust this matter to a professional trader whose history of profitability inspires you with confidence.

Purchasing shares involves a long period of investment. On average from 3 to 5 years. The higher this period, the more profit you can get in the end. The value of shares is subject to some fluctuations - it can either increase or decrease. But, based on statistics from previous years, on average, the return on investment in shares exceeds bank deposits by 2 - 2.5 times.

Investing in mutual funds

A mutual investment fund (UIF) is a combination of stocks and bonds . This is an organization that collects investments from a group of people and invests them in stocks, bonds or other securities. Each investor owns his own part of the fund - a share.

At their core, investing in mutual funds is analogous to investing in the stock market (stocks, bonds). All you need to do is buy shares of the fund, which already includes a list of securities compiled by professionals. Mutual funds already contain certain shares or bonds compiled under a certain category. These could be shares of telecommunications, oil and gas sector, consumer goods, etc.

The advantage of investing in mutual funds is that actions on your part are minimized.

The block of shares that you have a chance to become the owner of can be collected from different sectors of the economy and different countries. This will protect your investments from the influence of negative fluctuations in a particular industry.

Video. Where to invest money in 2017?

Investing in yourself

And the most important investment is investing in your own development. Without self-development, building an investment business is doomed to failure.

Self-development is the starting point for success in any business.

Invest money in yourself - buy “smart” books, valuable information products, attend useful seminars, courses on investing and making money. You can easily navigate the sea of ​​cash flows and investment whirlpools. With their help, you can quickly figure out where the necessary and effective methods of earning money are, and where there is deception and a waste of time and money.

By investing money in yourself, you will insure your capital against inflation, crises and force majeure for the rest of your life. This is the least expensive and at the same time the most profitable type of investment. Any investor can only dream of such a combination. Investing in yourself is a powerful idea generator and a unique catalyst for success.

Before starting your own business, investing in your own training will be an excellent start, which will allow you to get on your feet, avoid possible mistakes and minimize financial risks.

Conclusion

Today we talked about the most popular ways to invest a million rubles in order to make money. This list is far from exhaustive. There are many more investment options. But it’s up to you to decide where to invest your money.

Now you have to weigh all the pros and cons, all the pros and cons. Think wisely about how to find and not lose. After all, your secure future, in which there are no debts, collateral and unaffordable loans, but only a steadily increasing income, depends on how wisely you distribute your finances.

Video. Where to invest money?

You will learn which business to invest a million rubles in to make a profit, which investments are the most promising, what you can invest 1,000,000 in so as not to go broke

Greetings to our readers! Regular authors and creators of the online magazine “HeatherBober” Alexander and Vitaly are with you again.

Today we will talk about large monetary investments and tell you how to increase your capital in the safest way possible.

The article will be of interest to entrepreneurs, money makers, investors and people who want to improve their level of financial literacy.

Let's start, friends!

1. Large financial investments - how to invest money wisely

A million rubles is quite a suitable amount to make profitable investments and provide yourself and your loved ones with a comfortable and comfortable life for the next few years.

Today we will not talk about how you can earn a million rubles - there are many original and useful publications about this on our website (for example, “”). We will talk about how to manage such money as productively and wisely as possible.

In this article we will try to answer the question in detail and thoroughly: where to invest 1,000,000 rubles in order not only to save, but to increase money?

What are the benefits of large investments?

The rule is true for them: the larger the investment amount, the higher the interest.

Choosing an investment object is a responsible matter that should be approached intelligently and armed with knowledge.

You should not invest your entire million in one direction - this greatly increases the risk of total loss of capital. Even the most reliable banks in the world do not provide a 100% guarantee of the safety and multiplication of money.

Conclusion

Investments should be divided into several parts: diversification of deposits (as it sounds in the language of financiers) reduces the risk of loss of capital many times over!

And a few more rules for smart investing:

1. Determining the risk-return ratio. Any transactions with money involve some degree of risk. You need to invest so that the probability of receiving income significantly exceeds the risk of losing capital.
2. Invest only working capital. Never operate with money that is needed to pay for vital things - food, housing, health, education of children.
3. Don't make emotional gut decisions. Final conclusions regarding investments are made after a comprehensive analysis of the situation. Only a reasonable approach guarantees stability of profits and safety of money.
4. Engage professional consultants. Specialists will help you avoid common mistakes and conduct transactions more competently. Even a few extra percent of profitability in the case of a million means tens and hundreds of thousands of rubles.
5. Don't invest under pressure. It doesn’t matter who is putting pressure on you - relatives, friends, partners - the decision on deposits should be made by you personally.

It is also important to decide in advance on the purpose of investing. Long-term deposits are radically different from short-term ones. Quick profits increase risks; investments for long periods are more reliable.

If your goal is to create permanent passive income, use more conservative investment tools. If you need to turn around capital in the shortest possible time to purchase a certain thing (a car, a house, a sailboat), it is more profitable to use more aggressive investment methods.

An alternative investment option is to purchase a ready-made franchise business. The good thing about this scheme is that it is guaranteed to work. The risks are minimal, and the commercial effect is known in advance.

We even have a specific offer - a franchise of a Japanese restaurant chain. Why this project? It's simple - our good friend named Sergey has already invested money in this business and is already receiving a stable profit. Sergey invested 1.5 million in opening a restaurant in the “island” format and recouped his investment within six months.

Another plus in favor of the project is the prospects of the niche. All over the world there is an outflow of visitors from expensive restaurants to more affordable and affordable ones. Sushi Master is just an example of such a retail outlet. 120 restaurants have already been opened in 8 countries. All of them bring decent income to their owners and use effective marketing technologies.

2. Where is it better to invest 1,000,000 rubles - 6 ways to invest profitably

Smart investments are the key to a calm future. Financial independence gives you the opportunity to do what you want, and not what life circumstances oblige you to do.

It’s great when work is both a hobby and a favorite thing, but in practice, most people are engaged in low-paid wage labor, dreaming of travel, relaxation, and meaningful communication with friends and family.

If you are reading this article, it means that you are already changing the situation for the better or sincerely want to do so. To bring you closer to your goal, we have selected 5 investment methods: the most popular, the most reliable, the most profitable, the most conservative and the fastest.

Choose which method suits you best in accordance with your personal goals, ambitions, and other objective and subjective factors.

Method 1. Real estate (the most POPULAR method)

When it comes to saving large financial assets, average citizens think about two things - bank deposits and real estate. We will talk about the first option later, we will consider the second right now.

Real estate will always be in demand, since housing is one of the basic human needs. Everyone needs a roof over their head, which means apartments and houses will always be a popular and reliable way to invest capital.

Apartments will allow you to receive 2 types of income:

1. Rental income.
2. Income from sales.

Renting is a typical type of passive income: receiving money without labor costs. You have a profit based on the right of ownership and do not make any efforts to obtain a monthly profit (daily, if the apartment is rented daily).

While the apartment is rented by other people, it remains yours, and its value on the real estate market gradually increases. At any time, you can sell the apartment for more than what you bought: the difference in cost plus rent will be net income from investment.

Some make money exclusively on purchase/sale transactions.

There are several options for such operations:

• you buy real estate, wait until prices rise, and sell it;
• you buy an apartment in disrepair, make repairs, sell it at a price exceeding your costs;
• you buy living space at the stage of construction or foundation of a house, and sell it after the facility is put into operation at a high price.

There is one “but”: during economic downturns, real estate usually falls in value and provides low returns throughout the crisis. During such periods, it is better to refrain from sales and make money exclusively from rent.

Method 2. Bank deposit (the most RELIABLE method)

Whatever one may say, bank deposits remain the most reliable and affordable way to increase capital.

In addition, in Russia, for example, the state protects the interests of the depositor - the bank client receives an almost 100% guarantee of return of funds with the promised interest, since by law all deposits of individuals up to 1.4 million rubles are required to be insured.

This method of investing cannot be called very profitable. The maximum that banks promise to citizens is 10% per annum, in rare cases 12%. In conditions of stable inflation, real profits will be even less.

Of course, a million is a good amount, promising 100,000 income per year for storage, but if prices rise by about 10-13% during this period, the real profit will fluctuate around zero.

A more expedient way to increase and preserve finances through banks is to transfer capital into euros and dollars and store it in them. True, the interest rate for deposits in foreign currency is much lower.

Use the services of large banks that are included in the TOP 50 or TOP 10 most reliable financial institutions in your country.

Such institutions, as a rule, have government support, which increases safety and provides psycho-emotional peace of mind.

Banks are an excellent option for long-term preservation of funds. If you need money in a shorter period of time, it is worth considering other (more aggressive) investment options.

When making deposits, study the terms and conditions in advance. When comparing deposits, users and banks themselves focus on interest on deposits. But this is not the only indicator of profitability.

The total profit also depends on:

• from capitalization of interest;
• from the possibility of replenishing deposits;
• from the conditions of account closure.

The more freedom of action the deposit agreement gives the client, the lower the percentage of income. But if you choose a complex formula for calculating interest (with monthly capitalization), profitability can be increased.

Method 3. Own business (the most PROFITABLE way)

A starting amount of one million rubles is an ideal base for starting your own business. It’s not for nothing that we called this method the most profitable - there are no profit limits for business. In a year you can double or triple the amount of the initial investment and even increase it 10 times.

There is another danger - losing your money by investing it in an unprofitable enterprise. To prevent this from happening, experts advise investing in a business that is close and familiar to you.

For example, a very good option for investing your own money is “Business with China”. By purchasing a test batch of goods, you can sell it with a markup of up to 500% and increase your capital by 3-5 times. Some of my friends are already doing this and earning up to 700,000 rubles a month net.

There are certain subtleties in the “Chinese theme,” but everything can be learned. If you are interested in creating a business on Chinese goods and turning over a million rubles, we strongly recommend doing this under the guidance of an experienced mentor.

If you are interested in starting and developing a business with China, we recommend watching a video in which student Evgeniy shares his financial and other successes after completing the training:

As you can see, you should choose an area in which you feel like an expert, and the chances of successfully promoting your business will increase significantly. But it is not enough to understand the business; it is important to finance the enterprise as competently as possible.

Remember

90% failed business projects become such at the launch stage!

Any business is competition and struggle.

Despite the fact that today many entrepreneurial skills can be learned, the basis is still the nature of the personality of a particular person - his character, his style of thinking.

If you have weak nerves and lack toughness, if you initially do not enjoy the idea of ​​solving a huge number of problems every day, negotiating with everyone: suppliers, employees, regulatory organizations - it is better not to start a career as an entrepreneur at all, but to choose more “peaceful” ways of multiplying capital .

And now the current trends for choosing a business direction:

1. Car wash. Even in large cities with a large number of such services, motorists often have to stand in line to wash their car. Considering that the number of cars is constantly growing, this business will always remain profitable.
2. Mini-hotel (hostel). Another problem of large cities is the lack of affordable housing for visitors. If you start a business of this type in the mid-price category, you can recoup your investment in just a few months.
3. Mini bakery. Bakery products are an essential commodity. Demand for it does not depend on the time of year or the state of the economy. The profitability of such a business is approaching 100% - the main thing is to competently establish a sales market.
4. Online store. With 1 million rubles you can organize profitable online trading of the most popular goods and at the same time promote your website according to all the rules of effective SEO optimization.

By the way, we already wrote about that in one of our publications.

There are no unique get-rich-quick techniques. Every business requires 100% involvement in the process, at least in the first years of its existence. It takes hard work to turn a business into passive income, but at this stage the profits will be stable and high.

Read about that in a separate article on our resource.

Method 4. Precious metals (the most CONSERVATIVE way)

Investments in gold have been profitable throughout human history. Precious metals are not subject to corrosion or deterioration, and their reserves on the planet are limited. It's no surprise that the prices of gold, platinum, silver and palladium are always rising.

There are several ways to invest money in gold and precious metals:

• purchase of gold bars;
• buying coins;
• investments in shares of gold mining enterprises;
• opening a gold deposit.

Gold bars are the easiest to purchase. All major banks sell them, issuing a certificate for the goods sold. Remember that transactions in precious metals in the form of bullion are subject to an 18% tax.

Example

If the annual increase in gold price is 5-10%, when selling bullion a year after purchase, you will lose 8-13% profit on VAT. When purchasing precious metals, you should count on a long-term investment when the profit exceeds the tax percentage.

The coins are not subject to tax, and some of them also have collector's value. However, real profit from coins can also be obtained only a few years after acquisition.

An unallocated metal account (gold deposit) is suitable for relatively short-term deposits. The advantage of this method is that you don’t need to buy anything, which means there are no taxes.

You simply open an account, and the bank agrees to pay the required amount after a certain period of time at the gold rate. This is the simplest and safest option, especially if the account is insured along the way.

Method 5. PAMM accounts (The FASTEST way)

Investing in PAMM accounts means transferring your finances to trust management of financial transaction specialists. You give your money to the company, professionals put it into circulation and try to make a profit.

The management company invests money in stock markets or other promising areas, and you simply wait until the time comes to withdraw profits from your account. Investments in PAMM accounts are a typical example of passive income with relatively low risks.

To earn income from stock trading, you do not need to have specific knowledge: your task is to find a profitable company and trust it with your money.

The secret of success lies in the right choice of a PAMM account. To place your capital in good hands, you will have to spend a certain amount of time and effort comparing management companies. But the result will be appropriate.

4. Minimizing risks - how to protect large capital