Where to invest 100 dollars? I often hear that people have free 100 dollars and they don't know how to spend it, or even make money from it. Perhaps they got them suddenly and there were no plans for them, however, it is good that people think how to make money from them and not how to squander them. 100 dollars of course, this is a small amount for investing in a bank, in real estate, in a business ... Still, 100 dollars is also money.

Unfortunately, many people like to deceive themselves, because those who have little money usually want a lot and immediately. This is how people usually rush to colorful headlines - “100% profit in 3 days!” or similar pyramids and so on, where they promise to become a millionaire with 100 dollars. They explain everything to a person, prove it, inspire hope, cheer up, and now, he is already giving away his money ...

Where to invest 100 dollars?

The reality is that $100 won't make you rich. But you can make money. Moreover, with this amount you can start investing! The easiest way is to invest in .

• In short, PAMM accounts are a type of trust management, you entrust money to professional traders on the currency exchange through a broker, and the profit is divided between you and the manager.

Profit can reach from 5 to 30% per month, depending on whether you invest $ 100 in the account. It's a good way to invest Where can you invest $100 and earn from them. In addition, it is also an easy way, since convenient payment systems allow you to invest without leaving your home and also get this money back. Thus, without working, you can earn.

As you can see, there is where to invest 100 dollars. And you can even invest them not in one PAMM account, but in two, in order to diversify your investments and reduce risks. Now let's compare. What if we put $100 into the bank? By the highest standards, this is 15% for the entire year. Are you willing to wait a year for $15?

Stock market

Despite the modest amount, you can earn $ 100 on stocks - there are inexpensive options for securities, from which even a small portfolio can be formed for this money.

The profitability of such investments, taking into account dividends and growth in the market value of assets, can average from 5% to 30% per year, however, when using leverage with brokers, this amount can be multiplied by 100-300.

For example, a broker that I have been working with for a long time offers the purchase of shares and other assets, and the minimum deposit with the broker is $100 .

Below I will show my example of a stock trade. GM. To buy shares, you need to select the desired ones and click on the button BUY(Buy):

The very next day the price General Motors rose and my profit reached $107:

To get money into the account, you need to sell shares, that is, close the deal:

Ready. The results are displayed in the tab Deals on the same page:

The negative aspects of such an investment include the risk of losses, the need to have a certain level of knowledge about the market and an account with a broker, as well as the lack of guaranteed profitability. As pluses, one can single out a good potential profitability, as well as gaining skills in the stock market, which can be of great benefit in the future.

100 dollar business?

Investing $100 in your business is hard to imagine. The only thing that comes to mind is to try to make money on it, but in order to meet such a budget, you need to understand this very well so that this enterprise really makes sense. Do not forget how much time you will need to spend on this!

Many like to answer like this - invest in yourself! There is some truth in this, but 100 dollars? ... The maximum that you can do is complete the first level of any training courses, or buy one or two good books. You have to be very lucky so that you can earn from it. It is probably not the return that is important here, but the process itself, since it brings us employment and satisfaction from the fact that we have a business.

However, in fact, any small investment in financial market assets: stocks, bonds, futures, cryptocurrencies is an investment of money and time in your own training in trading and working with these instruments.

Therefore, even if for the first time such investments do not bring material benefits, they will provide valuable experience that can bring good dividends in the future.

Most investors started their careers with just 100-300 dollars in order to learn from their example how to properly manage large sums in the future.

Handmade business

If, in addition to $ 100, a person has imagination and free time, money can be invested in your own small business. Currently, interior items are very popular, for example, a table made of cut wood.

The return on investment in such a business can be measured in hundreds of percent, but for this it will be necessary to spend a large amount of your time and effort on work, which is not suitable for those who have a busy schedule.

The question itself where to invest 100 dollars for me is not a stranger, since for a long time I also asked it. And I did what I did, I put them in . At first, I invested all the money in one, then realizing that I needed to diversify my investments, I withdrew money from it and invested in 2. The first deposit had already brought me no less than 20% in a month and a half.

After I saw the prospects of investing, I began to increase deposits and strive to reach the point where I earn from investments for a full life. I can say that those first 100 dollars served as a good stimulus for development.

To better understand where to invest 100 dollars, imagine how your decision can affect your life for at least a year? If you do not see any sense, development, then my advice is to rest on them! This is what 99% of people do.

Last update:  03/16/2020

Reading time: 16 min. | Views: 16786

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 investing should be considered, 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;
• there is no need to have a large amount 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.

At the same time, not only funds are needed 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 have even a small amount of free cash tend to keep it. 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 into a trading account and makes a profit by conducting transactions in the foreign exchange market. Income is generated by changing the exchange rates of currency pairs. You can start by reading our article.

On the one hand, investing in Forex currency transactions is akin to investments. 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 of 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. We wrote about trading in the stock market (securities market) in a separate article "".

Previously, online investing in stocks was associated with simple and large earnings. However, now, after the financial crisis, the shares of even the largest companies, which 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 choosing the right stock 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 necessary 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 depersonalized 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 the long term practically guarantees an increase in the amount in 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 investment points are determined:

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 fairly high interest to investors.

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 - about 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.

An investor to search for this type of borrower can use search engines or statistical data provided by the WebMoney electronic money service.

Thus, issuing loans to various services is a good way to passively earn money. 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.

In budget machines, the wmz electronic currency is used. 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. At the same time, the risks lie in the possibility of a fall in the market value of the share, as well as in fluctuations in exchange rates.

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 how 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.

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂

There are a lot of investment options! Not all of them are effective, and what to hide, there are often just fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest our 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 amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

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

Get comfortable and we'll get started! The article turned out to be a bit 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 ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and loss!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

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

But in any case, who does not take risks, he does not earn. 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.

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

Thirdly 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 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 (currency market, cryptocurrencies…) — 20% of all funds.

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

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

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still 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 investment rules!👇

2. Where is it better to invest money in 2020 - TOP 15 profitable investment options

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

I will immediately share with you, using my personal example, one rather profitable investment that allows you to receive much more than ordinary bank interest. 😉

Pamm-account "Arslanov Fund" and its profitability

Another PAMM account that I invested in is ““, the largest account in Alpari, it manages more than 155 million rubles!

Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, nevertheless, for 5 years, it brings investors "clean" every year about 60-80% . Agree very well! 😀

Another plus of PAMM accounts is that the minimum investment amount is practically unlimited here, you can start with at least 3,000 rubles.

For the time being, I am only looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article.

However, although in this way you can earn quite significant amounts, nevertheless, you should not forget about the risks. Still, invest in PAMM accounts no more than 25-30% of the total amount of your investments (at the same time, also distribute the risks among the accounts, do not invest everything in just one account, choose at least 2 accounts).

More details about this type of investment will be described later in the article, so be sure to read to the end.

And now we will consider separately each of the options where you can invest money.

Option #1: Bank deposits/savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 4% to 8%.

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

How to make money on the growth of stocks - an example of Google

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

For these purposes, the so-called "individual investment accounts" (IIA) are suitable, which, for example, can simply be opened in the same (using this link, you can invest 1 month without commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.😀

☝️ In addition, if you invest money for at least 3 years, you can get 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 of course, there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

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

In addition, you need to understand that the price of shares depends very much on the actions of speculators, rather than on the real financial position of the company in the market.

Also, as an option, 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 (US 100 high-tech companies).

If you do not want to personally invest, then there is an option to entrust the money to professional managers. I already mentioned how I invested in Alpari managers at the beginning of the article! I will tell you more about this direction a little later in this article!

You can easily invest in stocks through.

OUTPUT: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

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

Option #4: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

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

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.

Moriarti PAMM account, its profitability for 5 years was 135464% (click to enlarge)

💡 More than $2.5 million , its profitability for 5 years amounted to over 135 thousand percent.

However, it should be taken into account that despite the fact that in the past the accounts/portfolios showed good returns, in the future there is always a possibility that they will turn out to be unprofitable.

Therefore, I repeat, do not invest all your money in one trader! Distribute funds at least among 2-3 reliable managers that trade profitably for a long time. If the accounts are relatively new (less than 6 months old), then completely divide the initial investment among 5-10 traders.

Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!

For more information about what Pamm accounts are and how they work, you can watch a free training webinar from professionals in their field:

You can go to the Alpari website and get acquainted with Pamm accounts.

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

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

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

Here I want to tell you a few words about the so-called "structural products", because they are also directly related to trust management. Income here, as a rule, is not the same as Pamm accounts can give, but nevertheless, structured products can bring significantly more than bank interest and bonds.

They are also intended for beginners who want to increase their money. Structured products can bring returns up to 100-200% per annum with minimal risks (the 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, as experts expect, will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars(some brokers have a higher minimum threshold) and for a period from 3 months.

I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.

✅BCS offers investments in Gazprom shares with a guaranteed return 10% per annum(even if their price falls) and 100% capital protection. In the event that the share price rises, then you can even get 14% per annum .

So there are only 2 options: you will get either 10% or 14%. Consider that there are no risks, except for the actual bankruptcy of the company. But it is extremely unlikely that the number 1 company in the entire brokerage market in Russia will go bankrupt, it is similar to the fact that Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.

Investments are calculated for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.

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

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and more	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By allocating funds to the most efficient managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade 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 #5: Bonds

DESCRIPTION: Where do you think big banks invest their money? Mainly in bonds! Yes, they give 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 easiest investment tools. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

☝️ By the way, Sberbank and other banks sell national government bonds.If you invest for 3 years, then you can get an average return on them of 8.5% per annumX .

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

You can also consider bonds of large reliable companies - the rates on them 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, large funds can also be invested 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 also note that there are bonds, the yield on which can be dozens And hundreds of percent . But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought without the need to pay income tax (if you purchase them for a period of more than 3 years).

OUTPUT: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and more)	depends on bonds (very low for government bonds)	7-12 years old	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 returns compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for low-rated bonds). The lower the credit rating, the less confidence in him.

Option #6: 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 at the exchange rate of 57 rubles/dollar — as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

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

On Forex, you can trade both yourself and give money to professional traders (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 And h knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

It is important to note that when trading personally, you need to follow a proven trading strategy, otherwise trading is likely to 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 the strategy, then you can really 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), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

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

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

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

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

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

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

I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires 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 preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

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

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

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
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 business in the service sector.

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

Examples!
It is easy 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). I just started with this! 🙂

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While both 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 customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

OUTPUT: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and more	High risk initially	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 yields among all investment instruments.	(+ ) It is easier for businesses to find partners and/or co-investors. You can start without large investments, the main thing in business is an 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 the business and understand how it works, even if you invest in a "foreign" business. You need to constantly learn.

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

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

Absolutely anyone can become a depositor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a 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 give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, 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.

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

If this type of investment is right 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 the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.

OUTPUT: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

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

Option #9: Microfinance Institutions (MFIs)

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

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 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 in bonds or in a bank at interest.

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

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!😉

OUTPUT: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Yield:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFIs are allowed to attract from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case 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. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

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

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

Gold prices - chart

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

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

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

OUTPUT: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.

Yield:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is practically no risk of depreciation of gold. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 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 more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago when bitcoin was worth about 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 crash. 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 grow in price.

Especially while cryptocurrencies show 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 tool.

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

OUTPUT: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Yield:	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 high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In the case of the growth of cryptocurrencies, it is possible to multiply the invested funds in a short 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 grow in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. The complete absence of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to earn money in 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.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

FROM 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

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

Publics with relatively small investments pay off very quickly. Although now the competition in publics is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then 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 who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

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

But in this case, the main role is played by experience, without it, nowhere!

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

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

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

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

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

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 the sale of air tickets are quite popular, here you can get 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, it is the idea that plays the key role - the success or failure of the application depends on it.

6. Hype. HYIPs - in reality, they are 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 only function for 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, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a "scam" (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.

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

Yield:	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 yield. 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 shoot and will not pay for itself.	(- ) knowledge is required. You need to be well versed in the key nuances of the Internet 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 tool.

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 very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

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

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

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

OUTPUT: Yet venture capital investment is underdeveloped 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!

Yield:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (in venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widely developed - investment sites may turn out to be financial pyramids.

Option number 14: Art objects

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

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 of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order 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 cost more over time.

And the crisis practically does not affect the value of art objects.

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

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and more	minimum	usually 1 to 3-5 years	from 100 000 rubles and more
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get a relatively high return with minimal risk.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investments in art require a large initial capital and involve long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option #15: Knowledge and personal development

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

It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.

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

In addition, often in order to learn something, no investments are 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 them in your development: attend trainings, webinars and seminars.

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

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

OUTPUT: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍

Yield:	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 them into money.	(- ) For many, it is difficult at the first stage to motivate yourself to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules for proper investment - 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 properly!

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

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

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

Second- try to invest most of the funds (40-60%) in assets with the least risk, the best choice between profitability and risk, as for me, 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 poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is an already tried path, in which a huge number of people have lost fortunes!

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 particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.

It will also be great if you learn how 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, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. 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 in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. In extreme cases, 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 to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

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

Also a relatively small amount by the standards of investment. 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 during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

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 in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable 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.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less 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 in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

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 payouts, 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! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn 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.

HYIPs(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

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

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin 😀).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here 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 for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀

Once again, I emphasize that in my experience, the most profitable investments are investments own business / 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!

At the disposal of the average person, as a rule, there is rarely a couple of hundred thousand, not only dollars, but even rubles, in order to make a profitable investment and live happily ever after on stable dividends. But each of us has 100 rubles in our wallet to invest in order to earn money, but is it possible to seriously get rich or at least slightly increase our wealth, we will figure it out together!

These projects work with investments from 100 rubles:

Where can I invest 100 rubles: medium-risk methods

First of all, you need to face the truth and understand that investments from 100 rubles are the prerogative of the Internet space, but certainly not some banking institution, bookmaker, and so on. Although if you trust an experienced broker, then your hundred can become a very suitable investment tool.

So, to the question of where you can attach 100 rubles in the first place ideas come to mind :

• Engage in the acquisition of brochures, manuals and other printed tutorials to develop your own business idea;
• Start mediation services.

And now let's take a closer look at these three most effective ways where to invest 100 rubles and get income, and for clarity, we will present it in the form of a table:

Where to invest 100 rubles	The essence of the technique	Possible risks
PAMM accounts	In fact, this is the only method where you can really invest 100 rubles. At the same time, it is necessary to understand that this is not the easiest manipulation that will instantly bring any kind of income. If you approach this issue with all responsibility, find a really competent and experienced broker (it is better if it is a familiar person), then just such a meager amount can bring good dividends in the future. And it is best to invest in this way every month - set a specific date for yourself (of course, under vigilant brokerage control) and invest a little money regularly. Accordingly, if you act in this way, then over the next seven years you can save a tidy sum. There are so-called one-day projects, which involve investments from 100 rubles for 24 hours. In this case, it is very important to choose the right platform (not a scam) to invest money, for which you need to pay attention to user reviews and the project's "lifetime". Here comments are superfluous: the longer the project "lives" - the more confidence in it.	Such deposits are a priori very risky, since the conditions of unstable economic development, as well as constant jumps in both the domestic and foreign market space, can play against investors. Although small investments are good for that, having lost them, there will be no desire to bite your elbows. Another difficulty: earning with an investment of 100 rubles is a field of activity for test platforms, which means that the investor, even before the launch of the project, is aware that making a profit: 50/50, may be lucky, or maybe not.
Invest in yourself - purchase printed publications to gain the necessary investor knowledge	Give preference to purchasing "fresh" printed materials: the latest magazines, webinars, "instructions" and so on. Carefully study them and try to put them into practice, for example, these can be investment programs on the Internet from 100 rubles, set yourself a goal for the next, for example, a month - to turn your hundred rubles into 250! Always start small - this can be a good starting point for a truly productive investment activity.	There are no risks in this case, even if you fail to become an advanced investor, invest as profitably as possible and make a decent capital, you will gain knowledge that will remain with you forever and, at least, you will be able to keep up the conversation in society, if circumstances so require.
Intermediary services - a great way to make money with an investment of 100 rubles	The essence of the idea is very simple - buy fresh publications at the newsstand that specialize in ads for the sale / purchase of a wide variety of things: from clothes to cars and real estate. Also, don't forget the service sections. Then comes the stage of analysis and comparison of similar ads, which are based on the supply and demand of similar products and services. Mediation is an unplowed field for developing one's own organizational and communication skills. Learn to negotiate: bring down the cost of goods / services for sale and increase the price for their purchase.	Naturally, you may be lucky, or maybe not - this is the whole risk. However, for the most part, the amount of earnings depends only on yourself, on your business qualities and the ability to interact with people.

Investments on the Internet from 100 rubles: how to choose a HYIP project

Try to find several such projects and invest in each of them a little bit, this is a great way to make real capital for further investment. If we talk about specific figures, then those funds that provide for initial deposits from 100 rubles give a guarantee of 150% profit, with the right choice of fund, and this is already very good.

Try to avoid New Year's Eve investing anywhere, unless of course it's a real state bank! And when it comes to hype, it's also three summer months. No matter how strange it may sound, HYIPs are seasonal earnings.

If your attempts to make money on the Internet with an investment have not been successful, do not despair! Do some serious troubleshooting and draw appropriate conclusions, in the end, 100 rubles is the amount, after the loss of which you will not have to level the consequences of losses for years, which means you can invest it again. And on the other hand, whole districts are being built up brick by brick, respectively, even hundred-ruble cash infusions require sobriety of mind and analytical work! Be patient, work on your own experience and then you will definitely get what you want.

Summing up , we can say with all confidence that making money on the Internet with an investment of 100 rubles is not a fairy tale or fiction, it is a reality, but at the same time you need to study all the possible risks and analyze the options presented. Of course, we all understand that it is unrealistic to invest 100 rubles and receive, say, 10,000 income in a short time, in order to even get close to this indicator, you will have to wait at least 1.5 years, and then, provided that investments will be monthly character. By the way, while you are considering and studying these options, you are gaining considerable investment experience, and this is the best contribution, because, as you know, the most productive and long-term investments are our own knowledge and skills!

Regardless of the size of the investment, in any case, they must and can bring income to their owner. Indeed, not all of our fellow citizens have their own capital in order to invest it in large and promising projects. But even citizens with an average income may well have an amount of 100,000 rubles and receive a certain profit from this amount. The fact is that inflation reduces the size of our savings every year, which means that we need to send them in time in such a way that at least the income from investments justifies the current inflation.

But in view of financial illiteracy, ordinary people cannot know where to invest in such a way that they work for them and bring even a small but stable income. At the same time, you should carefully consider this event, because you should always take into account that investments are always accompanied by a certain risk. And, therefore, you need to know exactly where you can invest 100 thousand rubles so that they generate income and at the same time with minimal risks, let's try to analyze all the relevant options.

Bank deposit

Of course, this is the easiest, most affordable and safest way to invest money. In this case, you do not need to have any knowledge and experience, you just need to choose a bank and conclude an agreement with it to open a deposit account. True, when choosing a financial institution, it is worth paying attention first of all to the terms of service of the deposit and the annual percentage. Many users will probably think that it would not hurt to check the reliability of the bank and assess their risks. But in fact, today it is not necessary to do this, because all bank deposits are insured by the DIA agency.

Please note that all bank deposits are insured with a state guarantee, in case of revocation of a license from a credit institution, all depositors receive compensation in the amount of up to 1 million 400 thousand rubles.

Now let's focus on the main thing, what profit a bank deposit brings if you invest 100,000 rubles for a period of one year. It all depends on the annual interest rate, it is not so difficult to make calculations here, if the interest rate is 8%, then the total profit of the depositor for one year will be 8,000 rubles excluding interest capitalization, if, according to the terms of the bank deposit, interest capitalization is provided, then the profit will be slightly more , but not much.

Bank deposits have a number of disadvantages and advantages. The main advantage of the deposit is that in any case it is the safest and most reliable way to invest. There are also disadvantages, first of all, they lie in the fact that bank deposits have many restrictions and nuances. For example, in case of early withdrawal of at least part of the invested funds, the investor loses part of the profit, that is, in the worst case, the investor will not receive a profit at all, but will return his savings in full.

PAMM accounts

This way of investing, of course, is not known to everyone, because many individuals are skeptical about it and under no circumstances consider it a serious way of investing. Investing is profitable, but, of course, carefully consider all possible risks. First of all, you need to answer the question of what PAMM accounts are and how this scheme works.

In fact, this method of investing has been known for a long time, its essence lies in the fact that you invest money in investments in the Forex currency market. True, here your interests should be protected by professional traders, that is, securities market players with experience. You can directly take part in Forex trading on your own, but it should be borne in mind that beginners here should not expect profit at all, rather, you will incur losses.

By choosing a successful trader, you can make a profit, but it should be borne in mind that instead of profit, you can also make a loss. So, your first task is to find a trader with good trading experience. Further, you enter into an agreement with him and entrust your own savings, he invests them in the purchase of assets for the purpose of subsequent resale. The fact is that usually traders enter into agreements with several investors and trade on their own behalf. In the future, profits are divided among all participants in proportion to their investments, just like losses.

As for the amount of profit, it is almost impossible to predict it; ideally, it is 30-40% per annum, although it can exceed 200% per year, but this is most likely an exception and, accordingly, it is better not to count on such a result.

Among other things, consider what risks this investment method has:

1. Trading risks with the wrong approach of a trader, in which you risk incurring losses, because trading is carried out on the asset market, where it is almost impossible to predict the situation, especially if you do not have analytical skills.
2. Non-trading risks, here we are talking about the fact that you have a high probability that you will incur a loss associated with the incompetence of the trader or even with fraudsters, because you trust money, in fact, to a complete stranger.

Mutual funds

In simple words, what it is, it is the trust management of your assets to special funds. That is, several people have small savings, but they cannot invest them correctly and, in principle, do not know how this is done. Here you need to choose an organization that accepts funds from customers and invests them in various profitable activities, for example, the purchase of precious metal stock securities and more.

As for the amount of profit, the question is quite complex and ambiguous. After all, it may not be too large, it may be 50% of the investment, it may be 100% or more. At the same time, mutual funds do not guarantee investors a fixed income because it will depend on many factors, primarily on the economic situation.

Investing in the purchase of precious metals, currencies and securities

This option is more or less similar to the previous one, but only in the previous option you trust your funds to investment funds, and in this option you can independently manage your finances by purchasing shares of large companies, precious metals or foreign currency. Here the essence of the event is quite simple: you first need to carefully study all the options, as well as assess the prospects for growth in the value of assets and compare it with possible risks.

What to invest 100 thousand rubles in is a rather complicated question, because the cost of precious metals is growing steadily, but at a slow pace, most likely you will not be able to make significant money on the purchase of gold or silver. At the very least, your profit will certainly be less than on a bank deposit. By purchasing shares of large companies, for example, Sberbank, Gazprom and other companies, you bear significant risks, because the value of securities fluctuates, it can collapse significantly, or, on the contrary, rise in price and bring significant profit to its owner. In addition, the holders of securities are entitled to receive dividends. But there is also a disadvantage of this method, if you do not have analytical skills, then you will not be able to predict at least approximately fluctuations in the price of certain shares, and you will definitely not be able to find a favorable time to buy or sell them.

Another way to invest is to buy foreign currency: dollars or euros, but, as you know, jumps in the value of foreign currency, fortunately, do not happen so often, which means that you should not expect super profits from buying foreign currency. Among other things, when buying and selling currency, you will have to pay a commission to the bank, which means that this method of investment should not be taken seriously.

Business projects

Probably, many will think that 100,000 rubles will not be enough to organize their own business. But this is just a big misconception, because in history you can find many vivid examples of how successful businessmen started their journey almost from scratch. And, therefore, you, like others, have a chance to start your own business with minimal investment.

You can find quite a lot of business ideas, and one big factor to take into account is that the competition in the market is quite serious, so you should choose a niche that does not yet have a high level of competition. Also, if you do decide on this method, you should carefully study the market from the inside, that is, identify the needs of the end buyer, his interests and preferences.

Please note that the amount of investment for the same business can vary significantly depending on the region, when choosing an industry, you should carefully study the pricing policy of the region.

No one can answer your question, what business can you start with 100,000 rubles. It all depends on many circumstances, but it can be answered with accuracy that it is possible to open an online store with such funds, for example, using the dropshipping system, a business in the service sector and other projects. When your investment pays off is also a difficult question, everything will depend on your enterprise and resourcefulness. It is worth remembering one essential truth: the success of the event depends on a clear and detailed business plan.

From this we can conclude that in order to make a profit, it is enough to have funds in the amount of 100,000 rubles and properly dispose of them. When choosing an investment method, be sure to take into account all the factors and risks, calculate your opportunities. With a strong desire, you will not only save your money, but also receive income from them.