Last update:  03/09/2020

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Good afternoon, dear readers of the financial magazine "site"! Recently, investments on the Internet have become increasingly popular. That's what today's post will be about.

Readers of our article will find a lot of interesting things in it, namely:

• What are the features of investments using the Internet;
• What are the advantages of online investment, as well as what problems beginner investors may face;
• What are the most popular ways to invest on the Internet.

We also tried to answer the questions that most often arise from those who are interested in investing on the Internet.

This publication will be of particular interest to those who want to make money using modern methods of investing using the Internet. Read about all this and more right now!

About investing on the Internet: where to start investing and where you can invest money online, we will tell in this issue

Many not suspect that the Internet is not just an information space. Energetic and enterprising people, who also know how to think analytically, do not only communicate and have fun on the Internet. The network provides such people with great opportunities to realize their potential. As a result, some get quite serious money.

Do you want to earn money from the comfort of your home with only a computer and Internet access? Then promising financial instruments that allow you to invest online are just right for you.

Any reasonable person wants to get financial independence, to work for himself. Ideally, income should be passive , that is, after a certain time, a person spends a minimum of time on work, while receiving the maximum profit. This can be achieved if you make competent investments.

Using investments online, you can get:

• stable income that does not require labor investments;
• confidence in the future;
• free time that you can spend as you wish.

Any adult should understand that the main wealth is time. If it all goes to earn a living, then years are wasted. There is no opportunity to communicate with loved ones, engage in creativity, travel, engage in self-development.

This vicious circle can be broken if income does not depend on the time spent on work. Those who have not inherited a huge inheritance from their ancestors can be advised to use investments. After all, they are an example of an affordable and very effective option. passive income.

However, it should be understood that it is not enough to invest in the first project that caught your eye. An important condition without which it will not be possible to achieve success - smart investment approach .

Also, do not think that you will be able to get a lot of money without making any effort. In order for passive income to begin to bring money in the future, you need to make maximum efforts in the present.

Every step in investment investments must be balanced, it is important to invest safely and after careful analysis.

Do not forget that any investment is associated with certain risks. And you need to be mentally prepared for this.

2. Advantages and disadvantages of investing online 📊

Investments using the Internet, like any financial mechanism, have their own Benefits and limitations . Without knowledge of these traits, it is impossible to competently manage the invested capital.

The advantages of online investment are:

• high profitability;
• possibility ;
• free schedule of work and rest;
• no need to have a big sum of money to start making a profit;
• ease of management;
• the ability to withdraw funds at any time in the required amount.

Despite significant advantages, investing through the Internet has a significant drawback. It can be described as risk of losing money . In principle, such risks are inherent in all investment products, but they are especially relevant for online investments.

There are several components of this risk:

• inefficient conduct of activities by an investment company;
• investor mistakes;
• bankruptcy of various firms;
• hacker attacks;
• unseen circumstances.

The first point refers to trading risk . The investor can influence it. It is enough to competently and carefully analyze investment instruments and companies before investing in them.

The rest of the items refer to non-trading risk . Even experienced and highly competent investors cannot influence it. But don't be afraid. The situations described do not happen very often. The probability that an investor will be overtaken by non-trading risk with Internet investments is no greater than with others.

Thus, there are a number of benefits internet investment. They are quite simple and understandable on an intuitive level.

Flaw such investments have only one - risks. It is important to be aware of them so that you can take all possible steps to prevent them.

To make it easier to understand the risks, let's summarize them in a table:

3. How and where to start investing on the Internet - 5 main conditions 💰

The main goal of beginners in the field of investing is Financial independence . Everyone wants to achieve it with the least financial and psychological problems. However, profit from investments is impossible without prior preparation.

This requires not only cash to start investing, but also a certain baggage of skills and knowledge. Read about where you can get money for investment.

You also need to remember that there are a lot of scammers who swindle money from gullible investors. It is important to be able to identify them and beware.

A huge number of investment options can drive beginners to a standstill. Moreover, some of them require serious financial knowledge, which means they are not at all suitable for beginners.

All these factors lead to the fact that a number of conditions are imposed on newcomers to the online investment market.

Basic requirements for beginners when investing online

Condition 1. At least minimal knowledge in the field of finance and economics

No one will dive deep if they can't swim. But a lot of newcomers are trying to invest without understanding economics at all. As a result, instead of tangible profits, huge losses are obtained. That is why you should not invest even in a seemingly very successful project without knowing the basic foundations of successful investments.

At the same time, at all not necessary have a higher economic or financial education. It is quite possible to study the principles, as well as the mechanisms of profitable investment yourself. It won't take too long.

It is best to start with the forums and blogs available on the Internet on relevant topics. After that, you can start studying specialized publications.

Do not be afraid, a huge number of books have been written quite understandable and in plain language . And they are no less useful than most abstruse literature.

With a great desire and due diligence to understand the basics of investing, it is enough to spend about two weeks.

A good example of useful literature is the book Rich Dad's Guide to Investing written by Robert Kiyosaki.

You can find a brief overview (content) of the book by watching the video:

Condition 2. Quality Internet access

An important condition for successful investment is a stable and high-speed Internet. Often this factor has a significant impact on the success and profitability of investments.

It is important not only to have a stable connection. All payment systems and wallets used in working with money must be financially secure. This will help keep your money safe.

Condition 3. Resilience to stress

To be successful, an investor must necessarily be resilient to high levels of stress. It is equally important to have the right mental attitude.

Any normal person will worry if he has to lose his money. It is important that these experiences do not become an obsessive fear, otherwise they will interfere with a sober assessment of the situation and make an informed decision.

You should tune in to the fact that it is impossible to get a quick profit from investments. It is important to be prepared for the fact that the result will have to wait for a rather long time (especially at the beginning of your investment journey).

The first successes may appear not earlier than in a few months. Furthermore, In investing, the rule is: The longer the term of investment, the higher their profitability.

Condition 4. It is important to be objective

The investor must be able to soberly assess the opportunities available to him. No one has yet managed to earn more than the chosen investment instrument allows.

Investments should be made gradually. Before that, it is important to set specific goals for yourself, as well as determine the timing of their achievement.

Condition 5. The investor must be prepared for financial losses

Any investment is associated with the risk of losing part of the invested funds. Beginners have a much higher level of risk, because they do not have experience in effective risk management.

Investors must understand that it does not happen that absolutely all operations are profitable. Some of them will be unprofitable anyway.

No one can get rid of losses, even professionals. It is important to be able to treat losses calmly, not to make spontaneous decisions and to conduct a thorough analysis of the situation.

If all the above conditions are met at the same time, the probability of making a profit from investments is significantly increased.

At first glance, it seems that it is unrealistic to fulfill them. However, with experience, the attitude towards them changes and these rules seem to be self-evident.

Proven ways to invest money online

4. Investing on the Internet - TOP 15 ways to invest money online 📝

Those who even have a small amount free cash, seek to keep them. But this is not enough. I would also like to increase them. We already talked about that in the last issue.

Currently, there are various investment options. Among them, investments via the Internet are becoming more and more popular. They are of great variety.

Method 1. Forex

One of the most popular ways to invest online is to invest in Forex. A trader deposits funds to a trading account and makes a profit by conducting operations on foreign exchange market. Income is generated by changing exchange rates currency pairs. You can start by reading our article.

On the one hand, investing in currency operations Forex is like an investment. However, on the other hand, it is weakly similar to passive income.

To make money, you will need a certain amount of knowledge, as well as time spent on transactions and analysis of the market situation.

At the same time, income can be obtained much faster than with other investment methods (in a good scenario, even up to 1 month).

When trading binary options, an investor can pay attention to any, even minor changes in the market. In any case, you can get a tangible income. This is another advantage binary options , since when investing in other instruments, you can earn a good profit only on significant fluctuations.

Binary options trading is easy to understand. It doesn't matter how many pips the price will change by. If it goes in the right direction for the investor, even with a difference in 1 point the investor will receive a predetermined amount of profit.

A binary option is based on an asset. It can be Not only currencies, but also securities, precious metals, indices And so on. Thanks to this diversity, the investor has the opportunity to more actively pursue a policy of risk diversification. Moreover, the liquidity of binary options is at a fairly high level.

Without a doubt, to be successful when investing in binary options, you need to make significant efforts and master a fairly large amount of information.

The use of such a financial instrument attracts investors by the fact that in the binary options market you can actively develop, apply and test your own trading strategies. At the same time, even small market fluctuations can bring tangible income.

Method 4. Shares (stock market)

Another way of investing, which undoubtedly deserves attention, is investment in shares. However, even here there is no possibility to exclude certain risks. About trading in the stock market (market valuable papers) we wrote in a separate article "".

Previously, online investing in stocks was associated with simple and large earnings. However, now, after financial crisis, shares of even the largest companies that are called blue chips lost their positions. Moreover, in today's situation it is becoming increasingly difficult to correctly predict their behavior.

Investors should understand that investing in stocks brings tangible returns only long term .

In this case, you can earn in two ways:

1. On the Internet, investors most often engage in stock speculation (buy cheaper and sell more expensive). But such operations are associated with an increased risk due to the instability of quotes and the possibility of a fall in the rate. Helps reduce risk right choice shares for investment.
2. You can earn income from shares in the form of dividends . They are paid to shareholders every year. Before earning income in this way, it is important to find out on which shares and in what amount dividends are paid.

To trade stocks online, you must obtain a digital signature. You can trade through a special interface on a specific site or in a program provided by a broker.

Depositing funds to the site is possible in cash and non-cash form. Electronic wallets (for example, WebMoney) are used much less frequently. Withdrawal of funds is most often possible only to a bank account.

The investor should not forget that the income received from working with shares must be taxed. Individuals transfer to the budget 13 % of profit.

Online investment in stocks has both advantages and disadvantages:

• plus speculative transactions with these securities is high level of profit.
• cons a few more. It is the need to pay tax as well extreme market volatility.

In addition, unlike most other ways to make money on the Internet, when trading stocks, it is almost impossible to withdraw profits to electronic wallets.

Method 5. Investing in gold

Gold is very interesting investment tool. For many years, its value has been continuously increasing in the long term. That is why gold can be used when need save and increase a fairly large sum of money. But this metal is not suitable for quick income. The fact is that today gold is already quite expensive, and the growth of its value has begun to slow down.

You can invest in gold over the Internet using WebMoney. Since 2007, the function of selling gold has been operating in this electronic money system. This function is implemented through the opening of a WebMoneyGold wallet, on which funds are stored in gold. 995 samples.

The account currency is measured in wmg, the unit of this value is 1 gram of gold. The guarantor of the transaction is WMMetalsFZE, which is located in the UAE. Her website has all the information you need to work with gold accounts.

There are several ways to buy gold in wmg form:

• using Internet exchangers;
• through the automatic exchanger wm.exchanger.ru;
• by transferring money to the account.

The investor is given the opportunity, if desired, to exchange wmg for gold bullion. True, for this you will have to come to the WMMetalsFZE office.

But it should be borne in mind that the purchase of bars is less profitable than the purchase of electronic gold, since bars are taxed tax. Naturally, additional payments increase investment costs.

Thus, the benefit of online investment in gold is price stability. However, one cannot count on significant profit in the current situation, because the value of the asset has almost reached its maximum today.

Method 6. Precious metals in the form of compulsory medical insurance

Various precious metals (e.g. gold, platinum and silver) you can buy it virtually if you want. This can be done by using depersonalized metal accounts (OMS) .

CHI- a great way to invest, as this instrument is tax-free. In addition, CHI guarantees a stable reliable income. This is due to the continuous growth of precious metals in the long term.

Investing in depersonalized metal accounts is carried out according to the following scheme:

1. Opening a metal account in a bank;
2. Depositing metal into the account in terms of monetary units.

Traditionally, CHIs are opened for 12 months . Subsequently, at the request of the client, such an account can be extended.

The profitability of unallocated metal accounts is determined by the change in the cost of metals in the markets within the country and around the world. Taking into account the fact that the price of precious metals decreases very rarely, investing in CHI for long term practically guarantees an increase in the amount on the account.

1. "Ultima" operates on the Russian market since 1996. This company offers the investor a large number of investment instruments to choose from. Among them are also investment in gold. Features of Ultima lies in the insurance of investments. Investors are offered support with the provision of all necessary information and analytics. Ultima guarantees that all transactions are completely transparent, if desired, the investor can at any time receive a report on the status of their investments.
2. SotsAgroFinance- a company that is engaged not only in financial transactions. But also production. She specializes in investing in precious metals, as well as gold mining industry. Investors are offered deposits, the profitability of which is fixed. The company raises funds in the real production sector. Despite the fact that the project is still very young, experts consider the company a promising participant in the financial market.

Method 7. Websites

One of the most popular ways to invest money online are investments in Internet projects(websites, online services) followed by monetization. For this it is necessary Create new(See) or buy an existing site . It is important to evaluate the benefits of investing in such a resource, to promote and monetize it.

The level and regularity of the received profit is largely determined by how much effort (and money) is invested in its development. If the site is not engaged, it will very quickly cease to attract an audience, and the profit will dry up.

The disadvantage of using websites as an investment tool is the need to invest in it not only money, but also certain efforts. That is, this tool is more akin to work than passive investment.

Method 8. Startups

Those who are interested in investing in startups should remember that no one can guarantee that the project will bring profit. Furthermore, experts consider the following indicators to be normal: 20 % of invested projects bring profit, 60 % - pay off the investments remaining 20 % fail completely.

By the way, in one of the previous articles we told, in simple words.

The amount of investment in startups is unlimited. You can deposit as a few thousand rubles, and millions of dollars. It is important to remember that the amount of investments should be determined in accordance with an objective assessment of both the project itself and its team.

It is best to invest in those projects that are already developing and are beginning to bring certain results. In this regard, start-up projects that have just appeared or are at the concept stage are less preferable.

It is important to remember that investing in new projects is quite risky. However, if successful, such an investment can bring much greater profits. At the same time, a huge amount of resources on the Internet has led to the fact that in order to achieve success, the project must be inimitable and unique.

When looking for a promising startup, experts recommend paying attention to those resources whose topics correspond to the area in which the investor is quite well versed.

When the project is selected, the terms of cooperation and investment should be discussed with its owner. It is at this time that two important moments investment:

1. What form will the investment take? It can be cash, a domain, and other investments.
2. How will the investor receive income?, for example, in the form of a return on investment with interest, or the investor will take a certain share in a startup.

It turns out that investing in startups has significant disadvantages. This is a high level of risk as well as a significant investment. At the same time, the success of the project will allow you to get huge profits.

Method 9. Online stores

In the modern world, the Internet provides an opportunity to actively trade almost anything. At the same time, it is possible to successfully promote not only various goods and services, but also websites, as well as various intellectual products and information.

However, the development of online platforms requires an investment of money, which can sometimes be quite significant. At the same time, their owners do not always have such funds.

As a result, in order to implement the project and start receiving income from it, its owners are looking for investors. For the fact that they invest their money in the project, the owners pay investors enough high interest.

Method 10. Investing in domains

There are a huge number of sites on the Internet. Therefore, many beautiful domain names have long been taken. Therefore, a new type of income generation has appeared - the purchase and sale of domains.

The returns on such investments can be substantial. Those who bought website addresses in the early 2000s for about 500 rubles, today they can sell them more than 20 000. It turns out that the profit from such a transaction is about 250% per year.

If you managed to acquire a two-letter domain, you can sell it for about 10 000 dollars. The semantic names of sites do cost several tens of thousands of dollars. Stories are known and transactions for exorbitant amounts - near million dollars.

Register a beautiful website name today practically unreal because most of them are already busy. Significant profits can be made if domains are associated with popular events. But it will have to react incredibly quickly.

It turns out that online investment in domains can be made exclusively in the secondary market. In other words, you can buy domains at online auctions or from their direct owners. True, after that you will have to be able to sell them at a higher price.

It is almost impossible for a non-specialist to invest in domains. This requires not only a huge amount of time, but also a lot of effort. At the same time, it is important be able to assess the prospects of the acquired domain. If this is not done correctly, situations are possible when investments not only do not bring income, but do not even pay for themselves.

Therefore, investments in domains are most often carried out by professionals. If an ordinary investor decides to use this tool for making money, he must take into account the following rules:

1. Do not invest in exotic country domains. They are quite expensive, but the prospect of their price growth is rather doubtful. Specialists are considering the possibility of their rise in price after good addresses in the zone run out com. But no one can guarantee that a new English-speaking zone will not appear. That is, the purchase of such domains is associated with significant risk.
2. When acquiring, it is best to choose names that carry a semantic load. English words are popular, as well as high-quality transliteration of Russian words, especially if they relate to commercial topics. Two- and three-character combinations, as well as beautiful combinations of letters and numbers, also have value.

Guided by these criteria, the investor must be prepared for significant financial expenses, which usually start from five thousand dollars. More affordable options are often offered on domain forums.

Thus, investing through the acquisition of domains is characterized by significant profits over a long time period. (more 5 years). The disadvantage of such investments is that the best site names have long been bought, while investing in the secondary market is associated with significant risk.

Method 11. Debt online service WebMoney Debt

For investment, you can choose another interesting tool - debt service offered by the e-wallet system WebMoney.

There are several advantages to this option:

• high interest (often reaching 25 -100 % per annum);
• no need to spend a lot of time.

All this makes such investments an excellent option for passive income.

How it works

The borrower opens a line of credit, the amount of which can reach 10 000 wmz. He also receives trust limit , which allows you to characterize how consistent and reliable it is.

The borrower can choose the appropriate loan terms: amount, term and interest rate. In this case, the settings are made through the service WM Transfer.

You can issue loans both to those whom the investor knows, and to complete strangers. To minimize the risk of issuing a loan, you need to carefully study the data of the borrowers to whom the investor plans to issue a loan.

Particular attention should be paid to the size TL. This indicator determines degree of trust to the borrower from other users of the service. Especially large borrowers have a limit that exceeds 50 000 points. But smaller values ​​can also be quite good indicators.

Debt service has another way to protect creditors. If the borrower for some reason does not begin to repay the loan, his payment will be made at the expense of other creditors who have opened a trust limit for this borrower. That is, a new loan will be opened for an insolvent borrower, with the help of which the old one will be closed.

Also, with loans in the WebMoney system, an important indicator is the so-called business layer (BL). It allows you to determine for what purposes borrowed funds are used.

An investor who decides to invest in loans through this service needs to take into account several points:

• As soon as the borrower is selected, the conditions for issuing a loan through the WMTransfer service are set up. It is on the basis of the indicated conditions that the investor will be able to claim his funds.
• Next, the money is transferred to the borrower's account. For this, the e-wallet system charges a commission - 0,8 % from the sum. When repaying the loan, the commission will be paid by the borrower.

However, there is a downside to this type of investment. It lies in the fact that after the trust limit is determined for the borrower, he may not use it immediately or not take a loan at all. There are many reasons for this, For example, at this moment the borrower does not need money or he has other trust limits (quite possibly, on more favorable terms).

Method 12. Issuing money to an online lending service

With this method of investing, the investor can no longer determine the terms of the loan. He chooses loan services with parameters that he considers optimal. After that, the investor lends his money to the resource. The most common loan term is 1 to 6 months, and the interest rate is about 25 %.

It turns out that in the case under consideration, the borrower is a service online loans . May also borrow funds and resources to currency exchange in the Internet.

To search for this type of borrowers, an investor can use search engines or statistical data provided by the WebMoney electronic money service.

Thus, the issuance of loans to various services is good way passive income. However, do not forget that it has a high level of risk. This is due to the fact that there is a possibility of non-repayment of the loan.

Method 13. Budget machines

Another interesting way to invest online is budget machines (BA). It is provided by WebMoney through the portal shareholder.ru.

Budget machines use electronic currency unit wmz. BA happen closed and public. For investment use public . They are similar to joint-stock companies that sell their shares in the public domain.

By going to the above portal, the investor can see which shares of budget machines are for sale and at what cost. Most often they offer their shares online lending services , as well as various exchangers .

By analogy with shares, an investor who buys a share receives the right to vote on decisions regarding the management of the budget machine. The BA, which has placed the shares, undertakes to buy them back at a price that is below the market level. In addition, the investor who bought the shares is entitled to dividends , which make up 25 -40 % and can be paid several times during the calendar year.

In general, participation in budget slots is a fairly profitable online investment tool. The risks are in the possibility of falling market value shares, as well as in exchange rate fluctuations.

Method 14. Private online lending

You can also invest money online through private lending . This can be done both directly and using the exchange of loans offered by the WebMoney electronic money service.

The principle of operation is quite simple. Borrowers place loan applications on the stock exchange. Investors, studying their list, choose those borrowers that suit them best. It should be borne in mind that the best applications are sorted out very quickly. Therefore, investing your money in a short time can be quite difficult.

When looking for a borrower, an investor should pay attention to a number of important parameters:

• BL of the potential borrower (must be not less 200 );
• the presence of the so-called personal passport, which means that the borrower has confirmed his personal data in the system;
• whether the user has a positive borrowing history.

This approach helps the investor to significantly reduce the risk of non-repayment of funds. Moreover, lenders who have a lot of experience develop their own ways to check the borrower. They also create blacklists, which include users who are considered unscrupulous. This allows investors to significantly reduce the possibility of fraud.

All of the above applies to lending using the WebMoney service. If the investor decides to issue a loan directly, he can use a variety of professional resources to find a borrower - communities and forums . The advantage of this option is that the investor can communicate with the potential borrower directly, after which he forms his own opinion about him as a person.

Regardless of how the search for a borrower is carried out, there is a certain risk that the funds issued on credit will not be returned. The so-called risk diversification.

In other words, the investor can allocate the funds he plans to invest, between multiple borrowers. It turns out that even if one of the borrowers does not repay the loan, the investor's losses will be covered by the income that he will receive from other loans issued.

Experts do not recommend this way of investing beginners. This is explained quite simply.- lending to a small number of borrowers is accompanied by a high level of riskiness, while income is much lower than desired.

To get really big profits from online lending, you need to spend a lot of time working with them and minimizing the risk.

Method 15. HYIPs

There are other interesting projects for investment on the Internet - these are HYIPs (HYIP) . This concept was formed as an abbreviation from the English phrase H igh Y ield I investment P program. Translated into Russian, this means investment program that brings high income .

HYIP is a project that promises investors a high level of income. As with any other investment product, high returns for HYIP come with significant risks.

Some people think that hype is common scam. However, many investors manage to earn substantial profits from them. To do this, it is enough to choose a project in which the turnover of funds will be as transparent as possible.

It is important to understand that any HYIP has a limited lifespan. Particularly honest companies openly declare this to investors.

To make good money on HYIP, you should follow a few simple rules:

• funds should be invested as early as possible from the moment the project appears;
• investments must be divided between several HYIPs (at least three);
• it is best to withdraw profit in parts;
• Before investing in a project, you should carefully familiarize yourself with the principles of the project.

Compliance with all these rules will help you get good money from investing in HYIPs.

Thus, a large number of investment tools can be found on the Internet. All of them have as Benefits, and limitations . To make good money, it is important to choose the right tool.

The choice of investment object also depends on how much the investor has. In one of our publications, we told, (half a million), a million or more to earn.

For the convenience of choosing an instrument for investing, we summarize their main features in the table.

No. p / p	Investment tool	pros	Minuses
1	Forex	High earning potential	Requires a lot of time and effort to trade
2	PAMM accounts	Money is transferred to the management of a professional trader	The risk of a wrong choice of a trader
3	Binary Options	Easy to understand Potential gains and losses are predetermined	Knowledge is needed to correctly predict the situation
4	Stock	High profit	Market instability Necessity to pay income tax
5	Investment in gold	Precious metal price stability	The price of gold has almost reached its maximum
6	Precious metals in the form of CHI	In the long run, profit is inevitable	Low profitability
7	Web sites	With due diligence, you can get quite a lot of income.	You will have to work continuously, otherwise the profitability of the site will come to naught
8	Startups	If successful, the profit will be huge	High level of risk Significant amount of investment
9	Online store	High yield	Difficult to find a promising project
10	Investments in domains	Substantial profit	Almost impossible to buy a domain in the primary market High riskiness
11	Debt service WebMoney	High yield	The borrower may not use the credit line immediately Risk of default
12	Issuance of money through services	Quality passive income	High riskiness
13	Budget machines	High profitability	The risk of a fall in the value of shares and a fall in exchange rates
14	Private online lending	High yield	Large investment required High risk
15	Hype	High yield	Huge level of risk Akin to a pyramid scheme

5. TOP 7 golden rules of online investing 💎

Many people perceive Internet investing as a great way to make significant profits. It is quite natural that a large number of newcomers decide to invest. However, many of them make the same common mistakes.

However, most of the problems could be avoided if you follow a number of investment rules, which experts call golden. As soon as beginners learn, understand these rules and begin to actively use them in their activities, the return on investment increases significantly, while the risks are reduced.

So, what rules should be remembered and observed?

Basic rules for online investing

Rule 1. Don't invest in funds that don't belong to you.

You should never invest money that you have borrowed. If any mistake occurs when choosing an instrument, you will not only lose money, but you will also have to return the funds to the lender. Therefore, for those who have no money, it is best wait and collect required for investment.

Rule 2. You should not invest the last money

You cannot invest all the money you have available. It is important to remember that investments are always associated with tangible risks of losing funds. Therefore, the investor must always have a certain financial reserve, the so-called safety bag .

Then, even in the event of unsuccessful investment, he will not be left without a livelihood and will not lead his family to a situation where it will not be possible to pay even the mandatory payments and there will not be enough money even for the most necessary things.

Rule 3. Develop an investment plan

An investor is unlikely to be successful if not develop an investment strategy. Moreover, the lack of a pre-designed strategy leads to the fact that investments cannot be called full-fledged investments.

It is important not only to think carefully about the action plan. It is advisable to write it down, and subsequently try not to deviate from it. All changes to the strategy should be made only after a thorough analysis of previous investment results.

You can not change the plan at the time of investment based only on emotions and momentary desire.

Rule 4. Continually increase the amount of invested funds

All investment instruments involve investing money in order to make a profit. Naturally, the level of income depends on the amount invested. Therefore, you can increase income only regularly increasing invested capital.

You can increase your invested capital by saving money from your main source of income. There is another option - not to withdraw the earned profit completely. Part of it can be used to increase the invested amount.

Investors constantly argue about how much to increase their capital each month. Like all other parameters, the amount of increase should be set purely individually. Someone believes that in order to achieve financial independence as soon as possible, all available funds should be invested. Other It's hard to save even a small amount.

Money depreciates over time, i.e. loses its purchasing power due to inflation. This process happens all the time. That is why keeping your savings under the mattress is unprofitable and unreasonable. Funds must be invested profitably. Only in this case they can be preserved and increased.

You should not think that only wealthy people can profitably invest in Moscow or another city in the country. Every person should be able to properly manage their savings. At the same time, the main danger for any investor is the lack of information. That is why it is necessary to study in detail the experience successful people, basic rules for investing money, expert opinions and so on. You should start your journey by reading this article. If you are interested in information on how to work with online investments, then follow the link. Important: come back, there is a lot of useful stuff here!

Basic principles of investment

There are 5 basic principles, which should be followed by every person who wants to get a good return on investment of money with the least risk. They are formulated taking into account the experience of the world's leading investors. Ignorance or neglect of these rules can be costly. Let's examine each principle separately.

Principle 1. Create a financial cushion.

Without a certain financial base, investing money is strictly prohibited. The only exception is a bank deposit. After all, it is rather not an investment, but a savings instrument. Investments are often associated with risks, when investing money you must be aware that there is always a chance of losing it.

What is a financial cushion and how to create it? We are talking about a six-month supply of money that you and your family can live on, maintaining the usual standard of living without other sources of income. To create such a pillow, you need to regularly save financial income (for example, salary) or sell existing property.

If your family spends 50 thousand rubles a month, you need to collect at least 300 thousand rubles. Only then should you think about what you can profitably invest in.

It is worth noting that you can engage in profitable investment of money without a financial cushion only if you have passive income . They call it a flow of incoming funds that does not depend on daily efforts. This can be income from your own business, renting out an apartment or dividends on shares.

Principle 2: Diversify your investment.

For money to work correctly, think about what it can be invested in in order to comply with the principle of diversification, that is, division into different instruments. This concept is probably familiar to you. In other words, it means "don't put all your eggs in one basket". After all, if it falls, you will be left with nothing. The same will happen with your funds if they are invested in one project. Always adjust your investment portfolio: let's say your investments have grown over the year in one of the industries. Then you need to add part of the money to other projects so that the invested finances do not accumulate in one area

Diversification involves investing money not only in different financial instruments, but also in sectors of the economy. For example, if money is invested in the stock market, build your portfolio so that they work in companies in different sectors.

What is an investment portfolio? It is the totality of all assets of the investor. If you have invested in a business, stocks, real estate, all these profit-making tools will be called an investment portfolio.

To make it as resistant to market changes as possible, it is recommended to distribute savings between the banking, oil and gas, manufacturing, agricultural and food sectors. If one area suffers losses, the rest will “pull” funds up and will not allow the investment portfolio to sink.

Principle 3: Control risks.

Risks are main problem faced by all investors. Before investing, think about how much investment you can lose and where you can compensate for them. Only after that it is worth predicting the possible profit.

Unfortunately, novice investors make the same mistake. Having overestimated their strength and experience, they immediately choose aggressive investments instead of investing in more conservative instruments. As a result, the investor loses all his savings.

Profitable investment of funds is the same science as any other professional business where a serious approach is required. That is why it is necessary to evolve in this direction gradually, moving from simple to complex.

Start with $100 or $1,000. You should not invest large amounts, especially in something that you know little about. Never take loans or loans with the hope of multiplying them in some super profitable way. In 99% of cases, this ends with the loss of the entire amount and debt obligations. Agree, no one wants to be in debt for 500000 or even 1000000 rubles

Thus, do not rush. Future millions will not run away if you take the time to become a good specialist in this area. Otherwise, it is impossible to earn a lot of money.

Principle 4: Attract co-investors.

As experience is gained, funds can be invested together. So you get more opportunities and can choose the most profitable investments.

For example, you know about a profitable and reliable project or tool, you have free funds, but they are not enough. Then it is worth finding people who are ready to support this investment idea and invest on a parity basis with you.

Recently, trading accounts have become a fairly common topic. In this case, people transfer their savings to a professional manager for trust management. However, he cannot dispose of them on the right of ownership. Funds can only be used for profit. The manager receives a percentage of it as a reward for good work.

Thus, several investors can create a trading account and transfer it to trust management. They take all the risks in proportion to the money invested. At the same time, investors can agree with the manager that he stop working when he receives losses in a specific percentage.

IMPORTANT: If we sum up such a scheme, we can see that experts agree that it is better for investors to be willing to donate, for example, 15% of their savings to earn 30%.

Principle 5. Create passive income.

Capital increase is very good. However, it is equally important to create passive income from investment activities.

Let's say you invested 100 thousand rubles in 2018, and after 1 year, in 2019, you received 130 thousand rubles. In this case, the income is 30%. But there is no guarantee that next time you will receive the same amount. It should be borne in mind that a yield of 30% is much better than a bank one. This means that the risks are also higher. If something goes wrong, you could lose all or most of your savings.

ADVICE: On the other hand, if for 100 thousand rubles you could create passive income for yourself (for example, the same 30 thousand rubles a year), you can easily take a loan for the same amount. These funds should be invested more conservatively. Asset and passive income will act as a guarantee of the return of the borrowed money.

How much can you start investing?

You can start investing in Moscow or any other city in the country with any amount. If you have chosen a bank deposit, earnings on the Internet or stocks as an investment instrument, even 100 rubles will be enough.

What to do if there is no money at all? In this case, you need to start saving at least 10% of any income. Thus, the habit of creating a financial reserve for oneself will be formed. As income rises, savings will increase proportionately. The invested funds will work, and you will rest.

The fact that it is necessary to save money is said by all famous people who teach the correct handling of finances and show by example where it is better to invest. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.

Unfortunately, as their income increases, many people spend even more. Some even take out loans because they don't have enough money all the time. In this case, it is impossible to become a successful investor and earn the desired amount. That is why you need to constantly monitor the balance between income and expenses, live within your means.

Where to invest money to make it work?

Today you can find a lot of information about where to invest. There are both traditional and more modern methods.

Banks

A bank deposit is the most popular way to invest your money. However, the income generated is barely comparable to the rate of inflation.

The advantages of this method include:

• high reliability;
• high liquidity;
• the minimum threshold for investing money;
• simplicity and clarity of the investment instrument.

Disadvantages of a bank deposit:

• low profitability;
• loss of interest on early withdrawals.

The property

You can invest in residential or commercial real estate. Of course, in the second case, you can earn more. However, the purchase of commercial real estate requires a great deal of knowledge.

Pros:

• the opportunity to earn money on the difference between the cost of buying and selling;
• the opportunity to receive passive income by renting out real estate;
• protection of funds from inflation;
• the opportunity to invest in real estate for their own needs.

Minuses:

• low liquidity;
• high entry threshold;
• susceptibility of objects to mechanical damage.

Equity investment funds

Such organizations are a form of collective investment and use the funds of individuals. In other words, mutual funds take the money of shareholders and purchase shares of certain companies for them. The profit received is distributed in proportion to the contributions of the participants.

Mutual Funds Advantages:

• interest at the end of the reporting period is often higher than in a bank;
• a wide range of investment instruments;
• small initial investment.

Disadvantages of mutual funds:

• the complexity of the process of investing funds compared to bank deposits;
• relatively high risk.

Trading accounts (Forex market)

In this case, the money is transferred to the management of a professional trader. He makes currency transactions in the Forex market. At the same time, account holders can control their savings and, if necessary, stop the work of the manager and withdraw the money earned.

Pros:

• small entry threshold;
• high profitability;
• the ability to change the manager at any time;
• the possibility of withdrawing money at any time;
• no need for special skills and knowledge.

The only disadvantage of trading accounts is high risks. Each manager can lose funds, regardless of his experience.

Binary Options

In this case, the trader determines whether the value of the underlying asset will be higher or lower than its current price by the time of expiration. If the forecast comes true, he makes a profit. Very simple and fast way earnings, however, the risks are appropriate: without a clear strategy, you should not thoughtlessly invest.

Pros:

• a large selection of trading instruments;
• the possibility of planning potential profits;
• the ability to trade anywhere and at any time;
• simplicity and short-term trading;
• small entry barrier.

Minuses:

• high level of losses;
• no possibility of early closing of the transaction.

Issuance of microloans through the stock exchange

In this case we are talking about P2P lending, that is, when the lender and the borrower are ordinary citizens. They cooperate through various exchanges without the participation of banks.

Pros:

• a small entry threshold is set;
• the lender independently decides to whom and under what conditions to issue money;
• access to the system and work with clients are carried out around the clock;
• the lender can diversify capital, that is, consider an unlimited number of applications and conclude any number of transactions.

Minuses:

• insufficient protection of investors (often they have to independently chase people who do not repay loans);
• the inability to fully verify the solvency of the borrower;
• many exchanges are HYIP projects.

Business

Do you have an entrepreneurial spirit and some commercial experience? Then the most profitable investment can become your own business. There are also certain risks here. However, the investor can flexibly manage them, since he makes decisions on his own.

Pros:

• the investor independently manages the funds, building and optimizing business processes;
• it is quite easy for a business to find a pool of investments, which allows you to raise additional funds;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risks of loss of funds;
• low liquidity of many assets;
• the need for personal participation in the conduct of business.

Securities

The use of this tool requires professionalism and skill. There are many examples where the shares of some firms have grown several times in a short period of time. However, there are hundreds of other organizations that have gone bankrupt. Nobody advertises this. There is no guarantee that the money invested will bring a profit.

Benefits of securities:

• you can get high profits;
• you can independently come up with an investment scheme;
• you can invest even a small amount of money;
• the resulting profit and loss depend only on the investor.

Minuses:

• certain knowledge is required;
• expected income is unstable.

precious metals

Precious metals have always been highly valued, and their value is increasing every year. That is why this method is one of the most reliable. Money can be profitably invested in gold, silver, platinum and palladium.

Pros:

• the presence of various forms of investment (bullions, coins, compulsory medical insurance, securities that are backed by precious metals);
• relative exchange rate stability;
• preservation of the value of metals for a long time;
• protecting funds from inflation.

Minuses:

• relatively low level of liquidity;
• slow growth in value;
• high tax on the purchase of bullion;
• high spread when purchasing coins;
• at opening CHI receipt profit is possible only in the case of an increase in the cost of the metal.

Art

Paintings, sculptures, antiques, retro cars and so on are considered as an investment asset. Money invested in art can be easily withdrawn by selling exhibits at auction.

The advantages of this method:

• the opportunity to get super high profits;
• increased resilience to economic and political shocks;
• minimal risks.

Minuses:

• large entry threshold;
• low liquidity;
• the difficulty of assessing the cost and authenticity;
• long term investment.

Venture funds

Venture funds accumulate on their accounts the funds of investors who invest in the development of startups. The most popular are innovative and high-tech projects, because their prospects are much higher, and technological start-ups require initial capital to get started, but the revenue is much higher.

Advantages:

• maximum return on investment of money if the project is successful;
• small entry threshold;
• opportunity to gain useful experience.

Disadvantages:

• big risks;
• relatively long time for the project to reach self-sufficiency.

HYIPs

is an investment fund operating on the principle of a financial pyramid. In this case, the money is paid out from the funds of new investors. How to make money in such projects can be easily found on the Internet, this industry is built on advertising noise and each developer tries to make the project as accessible as possible.

Pros:

• crazy profitability (1-3% per day);
• high rate of profit;
• low entry threshold;
• complete anonymity of all participants in the process.

Minuses:

• high level of risk, since it is difficult to predict the time of the HYIP;
• lack of a chance to return the lost funds.

Cryptocurrencies

- this is the same money, only in digital format. We are talking about Bitcoin, Litecoin, Namecoin and so on.

Pros of investing in cryptocurrency:

• the opportunity to earn on the exchange rate difference;
• small commissions for transactions or their absence;
• small entry threshold;
• uncontrolled exchange of money between users.

Minuses:

• high volatility;
• lack of guarantees for the safety of funds;
• certain knowledge required.

Sites under CPA

If you are looking for where to invest money, you can also choose to invest in an information site, forum or blog. It must be created for a CPA affiliate program. These sites host thematic traffic and affiliate links. The owner receives money for a certain user action (for example, buying a product, watching a video, downloading a file, filling out a questionnaire, and so on).

Advantages:

• various actions are paid, and not just the purchase of goods;
• you can choose several partners at once;
• affiliate links can be placed even on sites with low traffic.

Disadvantages:

• non-transparency of relations between partners of the CPA network;
• possible payment failures.

MFA sites

MFA sites are designed to make money on contextual advertising Google Adsense.

Pros:

• high cost per click due to competition among advertisers;
• minimum requirements for sites;
• availability of analytical tools;
• the speed of adding a site to the system.

Minuses:

• the minimum withdrawal amount is $100;
• earned funds can be received only by depositing a personal check sent by mail for collection;
• there is a risk of blocking the account.

Such sites are created to sell rental or permanent links. This way of earning was very popular in the past. However, today there is a decrease in income due to increased risks for buyers.

Pros:

• instant income;
• ease of earning;
• constant rise in prices.

Minuses:

• the risk of falling under the filters;
• decrease in the relevance of links;
• permanent decline.

Phone applications

The easiest way to make money is on simple phone applications that can help in some way in life. They can also combine helpful information on a specific topic. In addition, these may be free applications in which you can buy something while using it.

The advantages of this method:

• the investor needs a small amount of money;
• you can make good money if the application is unique and useful;
• invested funds are almost impossible to lose, because everything depends on your efforts.

Disadvantages:

• a good idea is required;
• it takes a lot of time and effort.

This method can be called very good. However, it is precisely ideological active performers that are needed. Making money on the Internet is a very promising direction, if you pay due attention to it and approach it as a serious investment. 95% of publics are now “dead”, their owners have spent own funds for advertising and promotion, but they did not receive the expected profit due to a frivolous attitude to the project.

This method has the following advantages:

• creating a public is very simple;
• investments are required only at the initial stage;
• You can earn on advertising or selling public.

Disadvantages:

• you need to publish material regularly;
• you can get a ban from the moderators.

Investing in your development

If you want to invest money, choose to invest in your development. This is the most profitable and risk-free way. If you do not invest in your development, everything else is practically meaningless.

Advantages:

• the benefit reaches 100%;
• risks are reduced to a minimum value;
• so anyone can invest.

There are practically no disadvantages to this option. You must be prepared for the fact that self-development will require a lot of time and effort.

Where not to invest?

Almost every person at least once in his life heard about making money in an online casino. And if not, then you have probably come across ads that promise crazy profits without much effort. You only need to go through a simple registration, and then proceed according to a strict scheme. What is its essence? You need to place a bet. If you lose, it is doubled and bet again on the same color. According to the martingale law, victory will definitely await you soon. If the casino allows you to win, you need to immediately change the color. After that, the player acts according to the already familiar pattern. He bets money, loses it and doubles down. This continues until the person runs out of funds or wins.

Among the methods of making money on the Internet, there are different casinos. Some of them take 10-15% of the profits, and redistribute the rest among the players. However, there are not so many of them. Most online casinos take everything and just pretend to play. They work for a while, get paid, and then disappear. Soon such casinos will start their activities again. However, they are now operating under a new name and using a different website. How to make money under such conditions is a big question. The main difference between the casino is that everything is decided for you even before the bet, keep this in mind.

I do not recommend investing in online casinos, because there is no easy money. But if you still decide to bet, then play no more than 2-10 minutes a day. It is during this period of time that the casino allows itself to be beaten. If you exceed it, you will lose all your savings. Casinos are masters of pulling out your money and gamblers often go into the red. There are frequent cases when the thirst for easy money led people into a very unenviable position. If you are a gambler, it is better to refrain from this income. Not only luck works here, but also a clear program and a pseudo-random controlled by the casino organizers.

Lotteries are analogous to casinos. In this case, the organizers sell tickets, for example, to 10 000 rubles. Among them there is one winner. The winner receives 500,000 rubles, and the rest of the money goes to the organizers. The lucky one is photographed and shown to everyone as an example of the honesty of the company. This allows the organizers to attract even more money. But the probability of winning the lottery remains very small.

One of the most profitable ways investing money are considered HYIPs. Such structures operate on the principle of a financial pyramid. They attract investors' money by promising a high return on investment, which can reach 15-100% per month. Funds are paid out as long as there is a flow of new depositors. We can say that HYIP is the same kind of casino, because you can never predict what will happen in the end, your investments can either increase or disappear. Like any other pyramid scheme, HYIP projects are a highly profitable industry, but with a very high risks. I recommend making several trial investments, and even theoretical ones are better. Find any transaction that matches your planned investment and watch it. It is most convenient to keep track of several projects, so you will learn to pay attention to trends and understand the mechanics of how HYIPs work. Be skeptical of the opinions of experts who advertise HYIPs, remember that they get paid for it.

The principle of operation of such structures is quite simple and understandable. First, the pyramid itself is created. After that, active advertising of the hype on the network begins. People think that they are investing their savings in something real (for example, in Forex, futures, stocks, and so on). However, nothing is actually invested and everything is in one place. As soon as the creators see that the expenses exceed the receipts, they close the project. All those who invested money in HYIP and did not have time to withdraw it, are left with nothing.

Such pyramids live from 1 day to several years. It is on what project you will face that your win or loss will depend. It is worth noting that most HYIPs are closed on the first day due to the lack of experience of their creators. However, there is a small category of admins who have been running their projects for years. This suggests that progress does not stand still. The creators of such schemes come up with more and more new ways to work longer and earn more.

I have experience with such financial pyramid schemes. At first, I didn’t have anything good from HYIPs, although there was still a profit from time to time. Today I receive a stable income. However, as I said, every time HYIP admins come up with something new, and because of this, it is more and more difficult to distinguish them from normal ones. investment projects. That is why, if you have never worked with financial pyramids and do not know how everything works, you should not invest in such projects.

Remember that it is possible to invest in HYIPs, but only their creators benefit from such investments. Also, profits can be received by those who managed to enter and exit the project on time. Unfortunately, there are not many such people. If you still decide to participate in the hype, choose a project with a longer history of work on the market. In addition, it is necessary to closely monitor its activities. At the slightest doubt, you need to promptly withdraw savings with interest. However, this does not guarantee the safety of your finances.

Also, do not invest in illegal and morally unacceptable projects. We are talking about the trade in drugs, weapons, counterfeit goods, the organization of brothels, shell companies that launder money, fraudulent schemes in the field of real estate (for example, eviction of single pensioners, re-registration of housing, corruption in construction) and so on. Even if you are promised high profitability and stability, you must understand that, firstly, you will have to answer for this, and secondly, it will be unpleasant and restless for you to spend money received at the expense of the suffering of other people. To live in peace look for fair and socially acceptable ways to make money. Only in this case you will gain financial freedom and spiritual harmony.

Assistance in creating an investment portfolio

Do you want to profitably invest money in Moscow, but doubt your abilities? Then contact me. I have been investing on the Internet for more than 5 years and have consistently made a profit. Readers of my blog can order a professionally assembled portfolio for free. To do this, just write to the mail [email protected]. In the letter, indicate the available amount, the desired yield and a list of projects in which you have already invested. I will make every effort to ensure that the collected portfolio is profitable and successful.

It seemed that in modern conditions the population is completely dependent on the available financial resources. However, they are in such fetters most often not because of low earnings, but on the contrary - its irrational distribution. Waste is a sign that a person does not understand how to manage monthly income.

For 2019, the official inflation rate is forecast at 4.3%. This is the value by which cash is depreciated. Large amounts now, with a general rise in prices, can significantly decrease.

In turn, finances can also work for you, bring additional profitability, be a "safety cushion" in crisis situations. To get them to work for you, consider investing money with a guarantee in a variety of options.

The least risky instruments include deposits in banks, as well as bonds federal loan. The yield on deposits may vary depending on the level of their stability. The most reliable are classified as risk-free or low-risk investments. Their profitability does not exceed 10%, but the probability of losing investments as a whole is reduced to almost zero. According to the law 177-FZ, all deposits of individuals and individual entrepreneurs in the amount up to 1.4 million rubles insured by the state. When insured event, the depositor will be returned 100% of the invested funds.

It is important to remember that no investment instrument can give a 100% money back guarantee. In investments, there is a directly proportional relationship: the higher the percentage of return, the higher the risks.

Bank deposits

The most popular option where to invest money at high interest rates is to open a bank deposit. Given the low return on investments, this option can hardly be considered as a way to increase capital: interest payments rarely cover annual inflation.

However, this is the most successful savings solution because:

• investments with minimal risk;
• deposit insurance (if the amount does not exceed 1.4 million rubles);
• availability (some banks allow you to open a deposit when you deposit a small amount);
• the ability to return funds if necessary (in some cases without recalculation at a lower rate).

The most profitable deposits

It is enough to simply answer the question of which bank to invest money in at relatively high interest rates, if we turn to current data. financial portals. The information on the websites is updated daily and may differ from your own review. As of today - October 21, 2019 - the list of the most advantageous offers of banks includes:

1. "Juicy" from Taurida Bank - up to 7.5% per annum;
2. "Record" from Premier BCS - up to 7.35%;
3. “Excellent outlook” from Uralsibbank – up to 7.2%;
4. "BIG deposit" from MTS-Bank - 7.2%;
5. "Favorable plus" from OTP-Bank - up to 7.0%.

Watch the video on the topic:

Investment deposit

difference investment deposit from the traditional - the funds are transferred to trust management. Part of the money is placed on a regular deposit, part is used to purchase financial instruments by the bank. Attractive options are:

1. VTB Privilege

Since October 2019, the investment tariff has been in effect. On the this moment seems to be the most profitable option where to invest money for six months or a year. The current rate is up to 8.9% per annum. The maximum profitability is available for Multicard Bank holders when activating the "Savings" service. To open an account, clients will need to deposit at least 1 million rubles.

1. Gazprombank

The "At the Top" deposit offers a yield of up to 8.6% per annum when opening an account for six months or a year. The minimum amount is 50 thousand rubles. The key condition is the obligatory execution of the HOA agreement.

1. Uralsib

"Strategy" will allow to have a yield of up to 8.3% per annum for consumers who have opened a deposit in the amount of at least 150 thousand rubles for 181 days. In parallel, you need to apply for:

• receiving shares of URALSIB investment funds;
• investment and accumulative insurance policy;
• transfer of the account to trust management.

1. Rosgosstrah Bank

"Double benefit" provides for the accrual of 8.5% annually on deposits, the amount of which is not less than 100 thousand rubles. The validity period is 367 days. Special conditions: registration of one of the poles of insurance from Rosgosstrakh Life.

1. OTP Bank

As part of the "Double Benefit Plus", the client will be able to receive passive income at 8.0% annually. Key conditions: the amount is not less than 50 thousand rubles, the term is one year, the conclusion of an ILI contract for 5 years.

OFZ

Bonded loans of the Ministry of Finance of the Russian Federation are attractive to citizens by the availability of investments with a guaranteed profit. The entry threshold is 10 thousand rubles, you can purchase it at any branch of Sberbank. Investment risks are limited: income is paid on a fixed basis, while the state acts as a guarantor of the return of money.

The yield varies depending on the tenure of the bonds: the longer the period, the higher the interest. The average is from 4.23% to 5.94%. When owning a security for three years, by the time of redemption, it can reach 7% per annum.

Where to invest money at a high interest rate (up to 15% per annum)

Conservative methods do not pose a serious investment risk, but at the same time do not provide significant monthly capitalization. However, there are alternative options where to invest money at a high interest rate with a guarantee for 3 months or more.

Bonds

Along with the government, IOUs can also be issued by commercial enterprises. On average, the yield on corporate bonds is higher, the amount of payments depends directly on the issuer. According to the data of 2019, among the "blue chips" - reliable, large companies in Russia - the most profitable bonds are presented in Sberbank - 12.27%.

The TOP companies in which you can invest money with a guaranteed monthly return also include:

• X5 Retail Group - 9.25%;
• Retail network "Magnit" - 8.7%;
• MTS - 8.4%.

Higher coupons, close to 15%, are more common in third-tier bonds. However, there is a risk of default by the company.

Investments in startups

You can profitably invest money at high interest in a startup to help develop and promote various projects. The attractiveness of investments - the potential income is not limited. Offers of entrepreneurs with various conditions are placed on special sites: profitability from 10 to 80% per annum, payback period - from 12 months to several years.

Since startups represent companies with a short history of activity, investments are associated with high risks. It is necessary to conduct a thorough analysis, compare a large number of options to make the best decision.

mutual funds

Mutual funds operate in the following way:

• a share is acquired (part of a collective fund);
• the total investments of the participants are transferred to trust management;
• the resulting yield is distributed among the members in accordance with the number of shares.

Depending on the riskiness of the traded financial instruments, the profit of the funds varies. At the moment, mutual funds are formed by large Russian banks in different directions, respectively - different profitability:

• Uralsbibbank - up to 37.5% per year;
• VTB Bank - up to 31.53%;
• Sberbank - up to 27.12%;
• Rosselkhozbank - up to 23.8;
• Opening - up to 20.99% and others.

metal bills

An alternative option for investing money at a high interest rate for a month or more is to buy virtual precious metals. A depersonalized bank account has a number of advantages:

• the possibility of withdrawing / replenishing funds without restrictions (no fines, recalculations on the issued amount);
• choice of any currency - Russian ruble, dollar or euro;
• with long-term storage, the profit can exceed 50%.

Traditionally, banks provide an opportunity to purchase gold, silver, platinum or palladium. Over the past three years, the cost of each of them has increased significantly in price: by 66%, 48%, 11% and 68%, respectively.

Investment projects

Investments with a yield of 20% per annum

Money can increase annually by more than 20% of the initial value when choosing more risky investment options.

Stock

Shares are one of the most widely used financial instruments on the stock exchange. The advantage is the ease of buying and selling securities. The basic principle of making a profit is to “wait” for a good moment to sell.

The investment portfolio may include high-risk shares of companies to generate income - 20% or more. However, it is not recommended to bet on aggressive investments - in the end, all funds may be lost altogether.

Private lending

In the case of private lending, you are the direct lender. Accordingly, the rate on the funds issued on credit is set independently. In some cases, the yield can reach 50% per annum.

The risks of this option lie in the fact that individuals may turn out to be dishonest, insolvent borrowers. The result is the loss of personal money without the possibility of their return. On deposits in a bank, money can be compensated for by insurance, in this case, you will have to answer for yourself. The only guarantee is a well-drafted contract.

You can start investing in private loans on the services of Vdolg.Ru, Zaymigo.Ru, Fingooroo.ru

PAMM accounts

PAMM accounts have become a popular solution for online investments. They also represent the transfer of money in trust management. A trading account is created by a trader in a dealing center, within which he performs trading operations according to a specific strategy. Investors can choose any manager to deposit their share of the funds in the general account.

In a month, passive income can reach from 3 to 9% with the right choice. The result depends on both the trader and the PAMM broker, since transactions between participants are carried out through it and the base of managers is formed. The more reliable the traders, the more convenient the terms of service, the higher the credibility of the broker. At the moment, the list of the best companies includes:

• Alpari;
• ForexClub;
• RoboForex;
• InstaForex;
• Amarkets.

Cryptocurrency

At first glance, cryptocurrencies may seem quite complicated. financial instrument, since it behaves unstable on the trading market: jumps can be constantly observed in the currency exchange rate chart. However, this option may be attractive for:

• Long term prospects. The price of the most popular cryptocurrency, Bitcoin, has increased by 72% over the past year, and by more than 2,000% over the past five years.
• Speculation. On the difference between ups and downs in the value of cryptocurrency, you can secure a daily income of several percent.

Advantage electronic currency– its development and expansion. The creation of digital money is associated with development modern technologies. The further the progress, the more confident the cryptocurrency as a whole will feel.

The market is regularly replenished with new participants who can become an investment object. You can earn on cryptocurrency at any time and place - it is allowed in almost all countries of the world.

ETFs

ETFs are exchange-traded investment funds that include securities of dozens of the largest companies in Russia and the world. The advantage of the option is accessibility (entry requires from 700 to 2800 rubles) and diversification (the distribution of risks gives a higher guarantee of income). Making a profit is available due to the difference in the index of a certain exchange.

Index fund options that might be considered:

• ETF of Russian stocks - the average return for the year is 29.7%;
• precious metals - 18.9%;
• Eurobonds of Russian issuers – 7.3%, including those with ruble hedging – 15.5%;
• US government bonds - 6.8%.

At the moment, the ETF market is only at the initial stages of development. Access to the indexes of world exchanges can be obtained through a single provider - FinEx. When choosing funds, it is recommended to take into account such parameters as:

• total size;
• structure (which companies are included);
• growth rates in recent years (it is recommended to take into account options with a stable positive trend);
• currency risks (dollars are considered the most stable).

Investments in MFIs

The final offer to invest money at a high interest rate with a guarantee is investment in microfinance organizations. The intended purpose of the attracted money is to increase the volume of the portfolio of loans issued. By expanding, attracting new customers, companies guarantee a return on investment. Thus, according to various estimates, the annual growth of the microcredit market is about 10-15%.

The conditions for receiving passive income from MFIs on average are as follows:

• entry threshold - at least 1.5 million rubles;
• investment period - up to three years;
• payments are made every month.

• moneyman. The interest rate is up to 15% per annum. Terms can vary from 6 to 24 months.
• Zaymer - up to 18.5% for a period of six months to three years.
• Zaymigo - up to 21% for 6-24 months;
• JoyMoney - up to 20% for the same period;
• QuickMoney - up to 19% for 6-36 months.

The risks of investing in MFIs are determined by the peculiarities of the functioning of companies and the possibility of certain legal restrictions or prohibitions.

Here is a real example: investments in MFIs are offered by finbridge.io (up to 21% per annum), cr911.ru (up to 25% per annum).

When forming an investment portfolio, it is strongly recommended to distribute it among different assets. At the same time, it is worth considering various areas (banking, information, oil, etc.) and financial instruments.

A conservative portfolio may include OFZ (about 40%), corporate bonds (35%) and shares of large companies (25%). In the moderate type, along with the listed assets, shares of small and medium-sized companies (start-ups, etc.) can be included - no more than ten percent. An aggressive portfolio, on the contrary, relies on the latter - about 50% of the total amount.

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How to reduce risks

How to reduce labor intensity

How much money to invest

Current types of low-risk investments

What to look for when choosing where to invest

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

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

Yield

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

Risks

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

Labor intensity

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

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

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

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

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

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

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

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

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

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

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

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

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

Profitable savings

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

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

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

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

• Risks
• Payouts
• Labor intensity
• Investment amount

Free funds available in personal or family budget, can be disposed of in two ways: put in storage or invest. The first option is a fairly safe solution and allows you to ensure the safety of the initial capital and the ability to dispose of it at your discretion at any time. The second option is associated with certain risks, however, in the case of successful investments, it allows you not only to save the initial amount, but also to increase your capital. On modern financial market There are some of the most popular options where to invest money.

Where to invest money with interest?

The safest and most rational option where to invest money at interest is banking. Modern commercial banks offer different terms and conditions interest rates on deposits, however, all bank deposits are insured. The guaranteed amount of payment in the event of an insured event in your bank is 1.4 million rubles. The most attractive and high interest rates on deposits are offered by small commercial banks that are not included in the top positions of bank ratings. Many banks offer high interest only in the first months of the deposit, in the future, the interest may go down.

When faced with a choice of where to invest your money, expert advice is a valuable source of information. According to professionals for personal investment investments in securities, bank deposits, purchase of insurance, purchase of real estate, purchase of precious metals are optimally suited. Experts consider investing in precious metals one of the most reliable ways to invest free funds, but this option is low-yielding. Investment in the purchase of securities is also highly quoted by specialists. Such an investment is long-term - the longer the investment period (5-10 years), the higher the profit from the shares.

Where to invest money in Russia?

In the current economic situation experts categorically do not advise keeping free cash at home. High inflation can devalue the amount stored in such a primitive way in a short period of time. In 2016, there are some of the smartest decisions on where to invest in Russia. Buying a property is one of them. At the moment, the real estate market is in decline, and land, apartments and commercial real estate can be bought at a lower price. Also, for a quick but risky profit, you can invest in a consumer cooperative. Such organizations offer up to 25% per annum, but deposits in them are not insured.

Inflation, where to invest money?

To store available free capital at high inflation rates, the best solution is to place money on a bank deposit. Most banks keep interest rates at a level that allows them to cover the inflation rate, which is expected to be around 12-13%. Also, bank deposits are a more reliable solution than stocks, since during the crisis period the stock market can experience a protracted decline and stagnation. With high inflation, where to invest money should be decided, choosing as a priority the maximum protection against possible risks.