So where is it profitable to invest your money so that they work? In this article, we will look at 5 popular ways to invest funds that have stood the test of time.

Hello, friends! Alexander Berezhnov is with you, entrepreneur and one of the founders of the HiterBober.ru website.

In writing this article, I relied on my experience, the experience of my friends, and also studied a huge amount of materials and talked with large millionaire investors in order to give the most competent and detailed answer.

With this post, I begin a series of articles on the topic “Where to invest money”.

Here we will consider both popular ways of investing money and “exotic” ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.

At the end of the article, I will tell you where you should NOT invest money so as not to burn out. So let's go!

1. Principles of competent investment or what experienced investors look for

Here we will look at the principles that should be followed in order to get a percentage of your investments above the bank rate with almost the same reliability.

Why do I say that almost the same? Remember the golden rule of investing?

Profit is always proportional to the risks that the investor takes on!

It may seem banal for some, but the first thing you should start investing with is to acquire the necessary knowledge. This means that it is best to invest the first money not in stocks, not in gold, not in a bank, but to invest in yourself - they will pay off many times over. This is what the two richest men in the world, Bill Gates and Warren Buffett, recommend doing.

After you have the necessary knowledge and understanding of various financial instruments, their principles of operation, expected profits and risks, you can move on to practice.

Principles of competent investment of the world's leading investors

Principle 1. Create a financial cushion

This means that without a certain financial base, it is STRICTLY FORBIDDEN to invest. The only exception is a bank deposit, as it is rather not an investment, but a savings instrument.

What is a financial cushion and how to create it?

financial cushion- this is a six-month supply of money that you and your family can live on while maintaining the usual standard of living, having no other sources of income.

You can create such a pillow by regularly postponing financial receipts (salary) or by selling existing property.

For example, if your family is used to living on 50,000 rubles a month, then you must have at least 300,000 rubles to start investing.

The exception when you can start investing money at interest without having a financial cushion is if you have passive income.

Passive income- the flow of money coming to you, which does not depend on your daily efforts, such as renting out real estate, stock dividends or profits from an existing business.

Principle 2. Diversify investments

For your money to work correctly, think about where to invest it in order to comply with the principle of diversification, that is, the division of funds into different investment instruments.

If you have become interested in the topic of investing, then surely this concept is familiar to you. In other words, this means " don't put all your eggs in one basket". If you have a basket of eggs and it falls, then all the eggs in it will break and you will be left with nothing.

This will happen with your savings (savings), if you invest them all in one business (project) or investment instrument.

By the way, diversification involves not only investing in different financial instruments, but also in different sectors of the economy.

For example, if you invest in the stock market, then try to form your investment portfolio* so that your money works in companies of different sectors.

Investment portfolio- the totality of all assets of the investor. For example, if you have a bank deposit, stocks, real estate, a business - all these tools for making a profit in terms of investments will be called your investment portfolio.

To make your investment portfolio as resistant to market changes as possible, invest 20% of free funds in the banking sector, 20% in oil and gas, 20% in manufacturing, and 20% in agriculture or food.

So, if one company (sphere) starts to suffer losses, then the rest will “pull” your funds up and will not let the portfolio sink.

Principle 3: Manage risks

Risks- this is the main "problem" that absolutely all investors face.

Remember, before you invest money somewhere, think about how much you can lose and only then - how much can you earn.

Unfortunately, beginners make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are already rubbing their hands in anticipation of millions.

How are things in practice?

But in practice - everything is different! Having overestimated their strength and experience, many people immediately try to engage in aggressive investing and lose money, instead of investing in more conservative instruments. So it turns out in the end that the greed of the fraer ruined ...

Investments are the same science as any other professional business, which means that you need to evolve in this direction gradually, going from simple to complex.

Start with 100 or with 1000 dollars, and God forbid you invest large amounts at once, especially in what you do not understand!

The height of illiteracy here is to borrow money at interest and try to quickly "crank" them in some "super profitable" way.

In 99% out of 100, this ends with the loss of the entire amount and the credit burden that hangs over you like a sword of Damocles.

Do not rush, because if you become an investment specialist, then your future millions will not run away from you anywhere. On the contrary, if you rush and try to get rich instantly, then there is a great chance that you will never earn big money.

Principle 4. Attract co-investors

As you gain experience as an investor, you can invest together to form investment pools. So you can get more opportunities - where to invest money so that they work with maximum return.

For example, you have found a project or tool that you think is attractive for investment, you have free funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on a parity basis with you.

In recent years, a fairly common topic has become pamm accounts. In this case, investors transfer to trust management* your funds to a professional financial asset manager.

Trust asset management- a type of financial and business relationship where one person or company transfers its money (property) to another person - a trustee.

At the same time, the manager cannot dispose of these funds or property on the basis of ownership, but only has the right to use it to extract profit, a percentage of which he receives as a reward for successful management.

So several investors can create such pamm account pooled together and transfer this amount to trust management, while all risks of losses are assumed by investors in proportion to the invested funds.

With the manager of such an account (trader), investors can agree that he should stop working on the account when he receives losses in a certain percentage of the account value.

If we summarize this investment scheme, we see that investors are ready to donate, for example, 15% of their money to potentially receive 30% income.

Principle 5. Create passive income

Increasing your capital is very good, but equally important is the creation of passive income from your investment activities.

Why is it so important?

If you understand the course of my thoughts, then you are guaranteed to take a fresh look at investing your funds.

illustrative example

You invested 100,000 rubles and received 130,000 rubles in a year, that is, you earned 30% on the invested funds.

However, next time you cannot be 100% sure that you will earn another 30% or more in a year. Considering that such profitability is much higher than the banking one, it means that the risks of this method are much greater.

You may even lose most or all of the amount if something goes wrong next time.

On the other hand, if for 100,000 rubles you could create passive income for yourself, for example, the same 2,500 rubles a month, which also amounts to 30,000 rubles a year, then in this case, you can easily borrow the same 100,000 rubles and invest them more conservatively, so your asset with a passive income of 2,500 rubles is a guarantee of the return of a new loan amount of 100,000 rubles.

In order to better understand how to create passive income and then create assets with it, I recommend playing the game " Cash flow» the famous investor, entrepreneur and business coach Robert Kiyosaki.

By the way, here is what Robert Kiyosaki says about the importance of passive income:

2. How much can I start investing

You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.

If you have no money at all, then just start saving at least for 10% from any of your income. So you will form the habit of creating a financial reserve for yourself and as your income grows, your savings will increase proportionally. Money will work for you while you rest.

All famous people who teach success and proper handling of personal finances talk about the need to save money: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.

The fact is that many people, with an increase in income, begin to spend even more and even take loans, since they do not have enough money all the time. It is called "reached the good life".

Always control your balance between income and expenses, live within your means!

Franchising is one of the most reliable and profitable ways to invest.

Do you want a reliable investment option? Take advantage of the offer of our website partners: become co-owners of a chain of Japanese cuisine restaurants.

The project is handled by Alex Yanovsky, a businessman with 20 years of experience who has launched many successful startups from scratch. At the time of writing, the Sushi Master franchise has 125 restaurants in 80 cities and 8 countries around the world.

My friend Sergey, opened a Sushi Master point in Maikop in the format of an island, having invested 1.5 million rubles, and six months later he already paid off his investment. So the scheme works not only in theory, but also in practice.

In section number 4, I will describe in detail how to competently open a business for this franchise, investing quite a moderate amount in a promising area of ​​\u200b\u200bpublic catering.

Here is what Alex has to say about the benefits of starting a franchise business:

3. Where to invest money to make it work - 5 profitable ways to invest

Now many people's eyes widen from various proposals - where to invest money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super-course, after which you will become a millionaire in a week.

But in most cases, all these "magic pills" are nothing more than a good way to steal your savings.

Now we will look at the classic ways that allow you to invest in understandable instruments with predictable returns and moderate risks.

Method 1.

This is the most popular way to save money, but its income is barely comparable to the inflation rate in the country. So if you invest money in a bank and keep it there from year to year, then at best you simply won’t lose it, there is no question of more or less tangible earnings.

Now Russia has adopted a law that guarantees payments on deposits in 1,400,000 rubles in case the bank fails. This applies to all banks that have an official license to carry out banking activities.

Previously, the sum insured was 700,000 rubles. That is, if you invested your money in a bank and for some reason it ceased to exist, then the state will compensate you for your money if the deposit amount does not exceed the insurance one.

Now in our country there are hundreds of banks with interest rates from 5% before 12% .

Historically, the most popular bank among our citizens is Sberbank, although here the percentage of deposits is one of the lowest, but a large branch network and high reliability of the bank itself allow it to remain a leader in terms of deposits.

Pros and cons of investing in a bank account

Pros:

• high reliability (low risks);
• high liquidity (the ability to return money at any time);
• the minimum threshold for investment (you can start with 1000 rubles);
• simplicity and clarity of the investment instrument.

Minuses:

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

Method 2. Stock market and mutual funds

Part of the financial market where people or companies can purchase stocks, bonds, futures and other securities.

If you have free funds and want to get more income than in a bank, but you take on relatively large risks, then the stock market will be a good tool for you.

To start investing in securities, you just need to contact a bank or a specialized brokerage company that deals with operations in the stock market.

Personally, I recommend two well-known brokerage companies for this: Aton Investment Company and Otkritie Brokerage House. You can safely invest your money in these companies so that they work and not be afraid to lose them.

Many cities have their offices.

By the way, speaking about the stock market, it is worth noting that there are different types of investors according to the duration of investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities within a short period of time: from a few minutes to several weeks.

There are medium-term investors, they buy shares for several weeks or months. There are also long-term investors, they usually act on the “bought and forget” principle - they invest their money in securities for several years, assessing the potential of the company and the industry in which it operates.

The last type of investor is investment guru Warren Buffett. Once he was asked when to sell the purchased shares, and then Buffett replied that never! This is his concept of long-term investment.

You can manage your investments yourself or entrust this business to a professional manager (trader).

There are also special funds where you can invest money - mutual funds.

mutual fund- mutual investment fund. This is a financial institution that independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.

Based on the results of a certain period of management, interest is accrued to you according to the size of your share.

But if you definitely receive more at the end of the year than you invested in the bank, then here your profitability may be negative, that is, the fund may work at a loss.

Pros and cons of investing in the stock market and mutual funds

Pros:

• a small initial amount for investment (from 1000 rubles or even less);
• interest at the end of the reporting period is usually higher than in a bank;
• a large selection of investment instruments (stocks, bonds, futures, options);
• opportunity to receive dividends;
• the opportunity to independently compile an investment portfolio, choosing a flexible ratio of risks and expected returns.

Minuses:

• relatively greater complexity of the investment process compared to a bank deposit;
• relatively large risks (you can get a loss);
• in certain cases, special knowledge is required (with independent investment portfolio management).

Method 3. Forex (currency market)

Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy one monetary unit for another, for example, dollars for euros.

Speculator traders make money on Forex, most of them make intraday trading operations.

After all, we want to know all the ways where to invest money so that they work and Forex will help us with this. After all, here you can quickly increase capital several times in a couple of months. In a popular article on our website, I have already talked about my experience of trading on the stock exchange and about how.

Indeed, in Forex you can earn a lot. However, this comes with huge risks and you can lose your investment capital in minutes.

Now a large number of companies offer Forex trading services. Such companies are called Forex brokers.

Be careful when choosing a forex broker. Since now there are many companies that do not bring your trades to the real currency market and you just play on your computer in the trading program like in a casino (of course, losing your money).

Before you start doing this way of investing, read customer reviews, go to the company's office, make sure it is trustworthy and serious.

Pros and cons of investing in Forex

Pros:

• a small entry threshold (usually from $100);
• the ability to quickly and earn a lot;
• a large selection of investment instruments (currency pairs for trading).

Minuses:

• special technical skills and knowledge are required for investment;
• very high risks.

Method 4. Bitcoin (Cryptocurrencies)

Here you can make very good money, but also lose if you do not follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages: decentralization, anonymity, security, limitedness. This means that Bitcoin is not controlled by any state, and due to the limited issue and the growing demand for cryptocurrency, its price will only grow in the future. You can buy Bitcoin at a favorable rate in - this service is not only an exchanger, but also a crypto-wallet where you can safely store cryptocurrency.

Method 5. Real estate

One of the classic investment tools, when a person with money wonders where to invest his money.

You can buy both residential and commercial invisibility. Naturally, commercial real estate provides more income than residential, however, and requires more knowledge for its competent purchase.

In addition to buildings, real estate also includes land, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but this way of investing is also not without its drawbacks.

Pros and cons of investing in real estate

Pros:

• the opportunity to rent out real estate and receive passive income;
• the opportunity to sell real estate and earn on the difference between the purchase and sale prices;
• a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
• due to the fact that real estate is a tangible (tangible) asset, it can be used for your own commercial or non-commercial needs, for example, you can open a business in the premises, you can live in residential real estate.

Minuses:

• high entry threshold (usually from several hundred thousand);
• low liquidity (cannot be quickly sold without a significant loss of market value);
• subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money if it is damaged or lost).

Method 6. Own business

If you have an entrepreneurial spirit and some commercial experience, then one of the best decisions for you is to invest in your own business.

Simple example:

Resale of Chinese goods with a large margin (300-800%).

You can buy goods in bulk in China or from a wholesale supplier in a major city and start selling them online. Often such a scheme is also called "Business with China" - a very profitable and promising direction in Runet.

The team of our site is personally acquainted with a successful entrepreneur in this field, Evgeny Guryev. Zhenya not only has been running her business for a long time and effectively, but also teaches others about it.

If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months - contact Evgeny and he will guide you by the hand on all issues of creating a successful business selling Chinese goods.

Be sure to check out the testimonial of the wife's students to be inspired by their success stories:

Yes, there are also certain risks here, but you can flexibly manage them, because in this case you yourself decide where to direct this or that money in order to get the maximum return from them.

It is especially effective to invest in your own business if it is already running, and your new investments will help the business bring even more profit.

Pros and cons of investing in your business

Pros:

• you manage your money yourself by building and optimizing business processes (being the owner of the business);
• for business projects, it is quite easy to find co-investors, which helps to attract larger amounts than if investments were made alone;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risk of losing money;
• low liquidity of most assets (you cannot quickly sell equipment, goods, and the like without a significant loss in value);
• loss of a share in a business project (in case of attracting co-investors).

4. Sushi Master franchise business - investing money profitably

Owning a business from scratch is a rather risky undertaking. This requires a solid start-up capital, an original idea and a well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a known payback period and guaranteed profitability.

The network of Japanese cuisine restaurants has its representative offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business falls on the Russian market.

Franchising is one of the leading activities of the Sushi Master company. The promoted product of the company is a predictable business with a proven and effective structure.

The owners pass the finished model to their partners, the latter only have to comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.

Franchise payback period: 5-18 months depending on the region of location, chosen format and other objective factors.

The algorithm for opening a Sushi Master franchise branch is as follows:

1. Apply on the official website of the company.
2. You pay a lump-sum fee - at the time of this writing, this amount is 400,000 rubles.
3. Take a course at the training center in Krasnodar.
4. You get the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
5. Together with the franchise owners, you choose a place for a restaurant, calculate the payback, and get the support of a start-up team.
6. You open a restaurant.
7. Together with the team, bring the project to a stable profit.

You will calculate the total initial investment together with the team on an individual basis. Cost range: from 1.3 to 4.5 million rubles. The term for opening a restaurant is from 3 months.

The advantage of this model is that it is guaranteed to work. All possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a member of a successful business that has already paid off more than 100 times, brought and still brings profit to its owners.

The co-owner of the company, Alex Yanovsky, is the founder of his own School "Business behind Glass", a successful entrepreneur whom I know personally. In his honesty, as well as in the profitability of the franchise, I have not the slightest doubt.

The risks are minimal, and the support of the training center led by Alex Yanovsky is continuous and constant. At your disposal - the experience of successful businessmen, professional equipment, proven marketing technologies.

The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Public catering establishments in the street format or the "island" format are in demand and popular - we offer these options to our partners.

5. Where you should not invest money so as not to burn out

You should not invest in obviously losing enterprises - casinos, illegal and morally unacceptable projects.

These include criminal types of business: trafficking in drugs, weapons, contract goods, organizing brothels, shell companies that launder money, as well as fraudulent schemes in real estate (corruption during construction, eviction of lonely old people and re-registration of housing).

To live in peace, engage in honest and socially acceptable ways of making money, then you will gain not only financial freedom, but also spiritual harmony.

6. Conclusion

In this article, we reviewed the fundamental principles of investing, recommendations from the best investors and experts in the field of business and finance, and also got acquainted with the most popular ways to invest free money.

In the next part of the article “Where to invest money”, I will talk about less common and at first glance not obvious ways to increase your capital.

And if almost everyone knows about bank deposits, the stock market and real estate, for example, few people know how to create a good passive income for themselves by investing in their own Internet projects.

Dear friends, I hope that now you have figured out where to invest money so that it works and brings you profit. After all, it is you who can become rich and earn millions.

I wish you a successful investment!

Where is it more profitable to invest rubles in a crisis so as not to lose your savings - recommendations from experts + TOP-5 most profitable investment areas today

Many who have available funds are willing to invest money to make them work. At the same time, it is important that the income received exceeds the rate of inflation. At the same time, every investor wants the risk to be minimal. It is impossible to do without studying modern investment options in such a situation.

Before you start analyzing and comparing options for investing money, you should remember a number of rules. They help you make the most of your investment. Here are some expert tips to help you avoid most investment problems.

1. You can only invest free money. In other words, the amount that can be invested is determined as the remainder of income after payment of basic payments and needs. It is also not worth risking money that is not your own, borrowed or on credit. If you do not follow this rule, you can get into a difficult financial situation. There are cases when the investor's families were left without a livelihood. In addition, there is a risk of losing funds, which will lead to the inability to repay the loan. The result can be a damaged credit history.
2. You should not expect that you will immediately be able to provide for yourself by receiving passive income. Most likely, at first it will be too small to provide a comfortable existence. Therefore, at first, most of the earned funds will have to be reinvested, that is, sent to increase the invested capital.
3. It is imperative to draw up an investment plan. It should clearly indicate all the parameters of investing money. First of all, such a plan should fix what investment options and in what proportion will be carried out. At the same time, it must be flexible enough and easily adapt to changing conditions.
4. In order not to lose all the invested funds, the risks should be diversified. That is, you can not invest all the capital in one investment project. It is best to choose at least 3 suitable options. The probability that three projects at once will be unprofitable is small. With proper analysis, at least one will bring profit.
5. It is important to constantly monitor the invested money. Regular monitoring of the situation allows you to make the right decision, as well as adjust the financial plan if necessary.
6. Do not get involved with dubious projects that promise huge profits. In this case, there is a high probability of encountering scammers, which means losing the invested funds.

These simple tips help even novice investors to competently enter the financial investment market. Do not forget that investment is also work. Without a regular analysis of the situation, it is unlikely that it will be possible to make money.

Top 10 most profitable investments in 2020

The instability of the economic situation leads to the fact that the profitability of investment products is constantly changing. It is important to calculate all possible options and coordinate them with the circumstances prevailing in the country and the world. In search of an answer to the question of where to invest money profitably in 2020, experts have compiled a rating of the best options.

Investments in the development of small businesses (Alfa.Digital platform)

For those who decide to start investing with an amount of 100 thousand or more rubles, investments in small businesses through specialized platforms are great. Most often, such options are offered by large banks. They develop investment products. By investing money in them, the owner of the funds essentially lends to the companies selected by the bank.

Despite the fact that the risk in this case falls entirely on the shoulders of the investor, it can be noted that it is relatively low. This is due to the fact that the money invested is distributed among a large number of organizations.

An excellent example of a site that offers to make a profit in this way is Alfa.Digital, organized by the bank of the same name. The following investment conditions are offered here:

• yield up to 30% per year;
• payments are made once a week with accrued interest;
• the minimum investment amount is from 100 thousand rubles.

Investments in P2P lending

P2P lending service allows you to invest almost any amount. In fact, it is a so-called social loan. Both the borrower and the lender in this case are individuals.

This option is a very profitable investment. The interest on P2P lending is about one and a half percent per day. True, about half of them will have to be paid to the service that performs intermediary services.

Those who are looking for P2P lending services can explore two interesting portals - Vdolg.ru and Loanberry. The first site accepts investments ranging from 4 thousand to 10 million. This amount is enough to invest money and receive a monthly income. Loanberry allows you to start investing in loans to individuals from 1000 rubles with interest from 20-30 percent per annum. Moreover, now there is such a function when, for a fee of 5%, you can connect insurance against default, when the site takes over the payment of the debt in the event of a default of the borrower.

Investments in Forex (currency market)

Many have heard what Forex is. However, not everyone understands that it is not limited to independent trade. To make money in the foreign exchange market through trading, you will need a significant amount of serious knowledge. In addition, without experience, it is unlikely that you will be able to make money with independent trading.

However, you should not refuse to invest money in Forex, just choose one of two popular methods:

1. Pamm accounts are a certain type of transfer of funds to the management of professional traders. In this case, you can invest even a small amount. It is determined solely by the conditions of the selected PAMM account.
2. Those who dream of entering into Forex transactions on their own can use social trading systems or copy the transactions of professionals. In the first case, based on the opinion of experienced traders, forecasts of market behavior are made that help beginners make the right decision. When copying trades, you should choose a trusted trader in order to find out about all the trades he concludes.

When opening positions on their own, the investor has more opportunities to reduce risk. This is explained by the fact that in the absence of confidence in one or another forecast, you can refuse to conclude a deal. In PAMM accounts, all decisions are made by the manager himself.

Investments in startups

Investing in a startup is a profitable investment that can bring serious profits if successful. A startup in the financial world is a business project or an idea that is at the initial stage of development. It is quite natural that even the best projects need an infusion of funds for their implementation. However, not all idea owners have free funds. Therefore, they are forced to seek help.

It is unlikely that a bank will be able to get a loan for the development of the project. This is due to the lack of confirmation of the profitability of new projects. Investors who prefer to invest in promising projects at the stage of their inception come to the aid of novice businessmen. The main difficulty of investing in startups is that it is very difficult to determine which project will be profitable and which will bring a loss.

Investments in mutual funds

A mutual fund or a mutual investment fund is a promising investment that can be classified as a type of collective investment. Contributors (in this case they are called shareholders) acquire a part of the fund's property, which is called a share, and wait for its value to grow. In fact, such investments should be long-term, in which case the probability of making a profit is the highest. The advantages of a PIF are:

• high degree of protection from the state;
• no need to have special knowledge;
• low entry threshold - the cost of a share starts from two thousand rubles.

The return of a mutual fund depends on the investment strategy it uses. Allocate moderate, conservative and aggressive funds. In the order in which they are listed, profits increase. But do not forget that the risk is directly dependent on it.

Experts recommend that if an investor, in the course of choosing where to invest in 2020 profitably and safely, gave preference to mutual funds, choose funds for investment that invest the collected funds in the field of IT technologies. To date, they are the most promising. In addition, such mutual funds are distinguished by the best combination of profitability and risk.

Investments in investment or endowment insurance

Investment and endowment insurance programs are a combination of a profitable financial product with insurance. When drawing up an investment insurance contract, the client receives a number of advantages:

1. guaranteed profitability of 13% from the state due to a tax deduction;
2. investment profitability due to the management of your money by an investment or management company;
3. the opportunity to open a deposit for a longer period than ordinary deposits.
4. Free life and health insurance;

Cumulative insurance allows you to solve two problems:

• protect yourself in case of financial problems;
• accumulate a significant amount of money through effective cash management.

Investing money in securities (Through IIS)

Those who decide to invest in stocks and bonds should open an individual investment account. This can be done by contacting brokers or the management company. Most often, investors make money in the stock market in one of two ways:

1. Independent trading involves opening deals solely on the basis of the knowledge of the investor himself. In this case, it is unlikely that you will be able to make a profit without experience and certain skills.
2. Copying the strategies of experienced managers. Such profitable investments, for example, are offered by Finam. It is implemented using the Trade center service. It is enough to choose a strategy and connect to it so that all transactions made on the professional account are transferred to the investor's IIS.

Investing money in real estate

This method requires the investor to have a sufficiently large sum of money. The amount of capital depends on the region and the type of property purchased.

In order to make a profit, you can purchase both residential and commercial real estate. There are several options for making a profit with this method of investing:

1. purchase of real estate for the purpose of subsequent leasing;
2. purchase for resale.

In the second case, you can increase the amount of income by buying real estate under construction or by acquiring dysfunctional or “grandmother's” apartments and selling them after repair.

It is important to remember that the sale of real estate that has been owned for less than five years leads to an obligation to pay income tax.

Bank deposits

Deposits have recently lost their popularity. This is explained by the decrease in the level of interest rates. However, they deserve attention. Despite the fact that this option is not a real way to make money, if you invest money at interest on a deposit, you can reduce the impact of inflation. Deposits are suitable for those investors who do not have sufficient financial knowledge, as well as large capital.

A deposit can be opened even for small amounts - many banks offer to conclude an agreement for one thousand rubles or even less. For many, the determining factor when choosing a deposit is the interest rate. In connection with the current system of deposit insurance in our country, the choice of a bank faded into the background. In search of where it is more profitable to invest money, you should pay attention to the programs offered by Tinkoff Bank. The stakes here are always at a fairly high level.

Investments in MFIs

Investments in MFIs allow you to invest your own capital at a high percentage. In this case, you do not need to have any additional knowledge and skills.

However, this option is not for everyone. Most companies set a fairly high minimum entry threshold. Traditionally, it is at the level of one and a half million for individuals and 500 thousand for legal entities.

Thus, there is no universal answer to the question of where it is better to invest money. The decision must be made on a case-by-case basis, based on the available amount, as well as the desired risk and return.

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

Warren Buffett

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

Trite, but true.

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

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

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

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

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

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

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

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

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

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

Investing money in the stock market

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

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

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

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

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

How to invest in shares?

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

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

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

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

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

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

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

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

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

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

Watch a video about investing in stocks from Robert Kiyosaki:

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

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

Real estate

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

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

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

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

Startups

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

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

How to invest in a startup?

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

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

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

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

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

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

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

Binary Options

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PAMM accounts

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

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

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

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

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

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

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

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

Bank deposits

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

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

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

Robert J. Allen

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

Why is this being done?

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

Benefits of deposits Reliable and virtually risk-free.

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

ETFs

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

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

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

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

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

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

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

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

Art

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

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

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

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

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

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

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

Investment in trading

Trading is an investment in yourself.

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

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

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

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

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

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

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

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

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

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

Individual investment account

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

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

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

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

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

Recently, while answering the next questions of a newly minted investor, the idea came to write an article in which to collect general recommendations for a novice investor. Judging by the questions, investments for beginners represent a rather vague area, full of prejudices and stereotypes imposed by society.

In this article, I will try to outline the process of investing from scratch for beginner dummies who are just taking their first steps towards financial independence. I also recommend reading for beginners, as well as getting to know each other. To complete the picture, take the free lazy investor course in the right panel of the blog, where you will find answers to most questions from novice investors.

Investing for Beginner Dummies

I have been blogging for over 6 years now. During this time, I regularly publish reports on the results of my investments. Now the public investment portfolio is more than 1,000,000 rubles.

Especially for readers, I developed the Lazy Investor Course, in which I showed you step by step how to put your personal finances in order and effectively invest your savings in dozens of assets. I recommend that every reader go through at least the first week of training (it's free).

• Collect the minimum amount - the foundation of future investments;

In order to start investing, you need to form an initial capital. It is not worth investing the last money, because sudden expenses usually come from outside, where they are not expected - a sharp increase in inflation or a jump in the exchange rate can leave you without funds at all. To prevent this from happening, you need to keep a record of all financial activities and know exactly where the finances are, what returns are projected, etc. Impressive amounts of money are not required in the beginning. I recommend starting with psychologically comfortable amounts (for me it was $ 100), but you should understand that the minimum investment will not allow you to fully experience the growth in income.

• Find investment instruments with an acceptable level of risk and return;

Now on the Internet you can find a huge number of investment proposals. Most of these investment proposals are designed for novice dummies who, without understanding the details, will either lose their deposits themselves, or the project managers will hide with the investors' money. To prevent this from happening, it is enough to follow the recommendations in point 2 of this investment guide for beginner dummies. Read blogs, chat on forums with real clients of companies and check projects in small amounts, all this will help minimize the risk of losing money at the start.

Choose only proven, reputable people, tools and companies for work. For example, among the infinite number of forex brokers, one can count on one hand those who bring transactions of successful clients to the interbank market, the rest play against clients. Among the trusted brokers for trading in the foreign exchange market, one can single out, for example,. For the laziest investors, the broker provides.

It is this phrase that experienced investors on the forums love to write so much and for good reason. Investing for beginners requires special attention, since even seemingly minor mistakes can lead to very significant losses. You don’t need to be a professional to be successful, but you still need to understand the basics of investing.

Without knowing how a PAMM account differs from a trust management project, it is difficult to build effective financial relationships. The best means of self-education are investment blogs (such as lazy blogs), investment forums (mmgp.ru) and numerous free seminars of investment companies. Especially for monitoring the emergence of new interesting articles, I once created the InvestoRss.ru service.

• Set investment goals;

Despite the apparent simplicity, many novice investors cannot correctly form the ultimate goal of investments. Of course, everyone wants to make money, but if there is no specific goal, then development may eventually stop. An accomplished person in adulthood, providing for his family and taking a sober look at life, has completely different needs than yesterday's student. It is not enough just to earn money - you need to know where and how to spend or invest it. Many novice investors set themselves the goal of increasing their investment capital to a million rubles / dollars as quickly as possible, and this is the right approach.

• Determine how much you are willing to risk by investing money;

Investing from scratch for beginners is always high risk. Not all people are risky enough - some prefer a gradual but steadily growing income to get rich quicker. The risk strongly depends on the goals set - if a person wants to provide for his children by the age of majority or himself in retirement, then long-term investments with a low return (conditionally up to 5% per month) are suitable for him. By the way, on long-term investment horizons, investment income will also increase due to. If you need to earn money for the new tourist season or buying a new car, then tight deadlines are usually accompanied by increased risks. Manage risk.

• Try and look for yourself in various areas of investment;

Each person is better in some area than in others. One suits work with deposits, which gives a stable profit for many years, the other is playing on the stock exchange, which can quickly enrich or make bankrupt. Depending on their own abilities and natural excitement, each person has his own direction of work. It is worth remembering that investments for beginners from scratch should not be too aggressive, since the investor does not yet have sufficient knowledge.

Different areas of investment activity provide for their commissions and service fees. Investing from scratch for beginner dummies usually starts with getting to know electronic payment systems. Before depositing money into an investment instrument, you should familiarize yourself with the commissions for depositing and withdrawing funds. In most cases, the most convenient way for an investor is far from the most profitable, so it is better to immediately calculate all related costs. Personally, before entering the main amount of investment, I always test the deposit and withdrawal of funds in projects with a small amount.

• Don't neglect diversification;

Having found out how much money you want to invest, distribute it among the selected investment instruments. Never invest all your money in one project, do not neglect the rule. Part of the investment can be put on a bank deposit, another part in stocks, part in a PAMM account, etc. It is better for beginners to invest in small amounts for different purposes, since at first it is difficult to navigate the diversity of the investment market.

• Keep cool;

Any financial transactions are accompanied by varying success - a long period of stable income can end in a losing streak. In no case should one lose self-control in the event of a negative development of events. The adoption of any decisions must be preceded by a sober analysis, on the basis of which an informed decision is made. To panic and start withdrawing or moving assets, in most cases, leads to increased losses.

Gone are the days when keeping money in a savings account at a bank was considered the accepted norm. Today, everyone knows that money should not be a dead weight, but work. However, this simple rule is not so easy to implement in practice. It seems to many that a small amount of money is not suitable for investing in a business or project. In this article, we will talk in detail about where to invest a small amount of money in order to receive a steady income.

Experts argue that the problem of investing money is a complex issue more from a psychological point of view than from an economic one. The fear of investing in a project overrides the economic feasibility of the rule that money must work. Especially when it's not a big amount.

People consider the issue of investing money to be the prerogative of very wealthy and successful businessmen. At the same time, investing is a way of investing money, regardless of the amount.

To narrow down the search for interesting and really working ideas for investing money, in this article we will limit the budget to 50 thousand rubles. But this does not mean at all that ideas cannot be used for an amount of 5-10 thousand rubles.

Here it is more important to understand the principle of investing and the essence of the law launched by Robert Kiyosaki that "money should work."

Are we saving or multiplying?

Before looking for an investment option, it is important to clearly define the goal. If the goal is to preserve capital, then the best method would be a bank deposit. But at the same time, a bank deposit is not the best way to capitalize a deposit and make a good profit.

Even at the most favorable interest rates, by the time the contract expires, inflation levels out all economic benefits.

This is where you will have to choose between financial risk and capital growth. It is also important to understand that when investing money in any project that generates income, it is important to wait for the time.

It is impossible to pull money out of circulation, whether it be any business project or investment in mutual funds.

You also need to analyze your financial capabilities and decide on the desired income. Money must be truly free.

Golden rules for successful investing

When thinking about where to invest a small amount of money so that they do not lose them and that they bring income, you need to clearly understand the principle of investing.

The rules of successful investing will help you properly manage your earned money and avoid the mistakes that many beginners make.

Rule number 1. Money must be free

Experts recommend that before any investment of money, secure a so-called "financial pillow". This concept came to us from the West and means a specific amount of money that is necessary to ensure life.

This includes the cost of food, utilities and medical services, the purchase of gasoline, etc. Depending on the situation in the family, the number of children, you need to calculate how much you need for these mandatory expenses per month. Now multiply it by 6 and get the amount that will be the "financial pillow" for 6 months. It is this period that experts determine the most profitable for investing money.

An exception to this rule can only be passive income from a bank deposit that was previously placed with a bank.

Rule number 2. Having a steady income

When investing money, you must understand that money cannot be withdrawn from circulation. You must have active or passive income in order not to withdraw money from the project for a certain period of time.

Therefore, if you are not sure that in the near future you will receive a constant income, then it is better to refuse to invest.

Rule number 3. Distribution of money in different directions

Considering that we are specifically considering investing a small amount of money, it will be difficult to distribute it in different directions.

But in order to understand the rules of the investment market, you need to know that diversification allows you to minimize financial risk as much as possible.

Rule number 4. Planning and strategy

Set a clear goal for your investment. It is important to understand how much you want to extract from the capital that you tax and for how long. Write down a long-term and short-term goal. This will allow you to decide on the investment option and choose the most optimal way.

Rule number 5. Learn the types of investing

Before investing in a project or giving it to a professional to work with, do your own research on all available investment methods that are suitable for your amount of money.

Compare risks and opportunities. If you invest on your own, you should start with a small amount of money and choose the simplest ways. Over time, by increasing the experience and level of knowledge, you can move to the next level.

You should be careful about offers of quick windfall profits. At first glance, they seem very tempting, but often carry a very high unjustified financial risk.

7 best ways to invest money

1. Investing in gold or precious metals
2. Purchase of securities
3. Starting your own business
4. PAMM accounts

In order to understand the essence of each of these types of investments, their risks and opportunities, let's take a closer look at each.

Investing in gold or precious metals

When it comes to a small amount of money of 1-2 thousand dollars, then buying gold is the best option. But, as in the case of a bank deposit, here we are talking more about the safety of money than about making a profit.

Unlike a bank deposit, by investing in gold, you will be independent of the inflation rate. Gold does not lose value and every year its face value only increases.

The statistics of Sberbank of Russia show the profitability of metal accounts over the past 5 years in the region of 84%. At the same time, the price for 1 g of gold increased by 30% from 2012 to 2017.

When investing in precious metals (gold, platinum, silver), you don’t have to worry that at the end of the contract, you will receive an amount of money that no longer has the nominal value that it had at the very beginning of the deposit.

Given the economic instability in our country and rising inflation, investors recommend giving preference to just such an investment compared to a bank deposit.

You can choose 4 investment options:

• buying gold bars;
• buying coins;
• depersonalized metal accounts;
• purchase of shares backed by gold.

The undeniable advantage of such a contribution is the availability of this method.

Here you do not need to have fundamental knowledge in the field of investment in order to calculate the profitability and risks of the project. Silver is purchased in ingots from 50 g to 1000 grams, palladium from 5 to 100 grams.

When concluding an agreement, the bank without fail issues a document confirming the authenticity of gold and its estimated value.

What should you know about this type of investment? Gold is a property, which means that when sold to a bank, you will need to pay an 18% tax.

You can get around this moment if you purchase coins instead of gold. The fact is that they are already money in themselves, so they are not taxed when sold.

Another type of this method of investing funds is OMS (impersonal metal accounts). Such an account can be opened in any Russian bank that has a license for this type of operation.

Video. Investing in gold

The client purchases gold from the bank at the price that is set on the day of the transaction and opens the OMS. The purchase price of the precious metal in the bank will be higher than on the stock exchange.

When opening a special account, the client does not specifically deal with gold. He transfers money to the account, acquiring a certain number of grams. When closing an account, the bank returns to him the cash equivalent of the current account.

At the same time, there will be no need to pay a tax of 18% for gold. OMS are not subject to VAT. Additionally, interest is accrued on an impersonal account, as in the case of a bank deposit.

But a serious drawback is the financial risk. Unlike deposits, such MHIs are not insured by the bank. In the event of a bank failure, there is a high probability of not returning your capital.

Summing up, it should be said that investing in gold and precious metals is safe, but not profitable. If you are more into saving money, then investing in gold is the best option with minimal risk.

If we are talking about making a quick profit, then this path will not be the fastest.

• long-term investment;
• availability;
• high liquidity of gold;
• precious metals do not lose their value;
• passive income opportunity.

• when selling gold, you will have to pay tax;
• high purchase price of precious metals in the bank;
• long-term investment;
• You won't be able to make big profits right away.

Purchase of securities

This type of investment refers to the purchase of shares and bonds of companies. A security is a document that gives certain rights to property or part of it.

A security has a market and par value. What is the difference? The market price is formed under the influence of supply and demand of the stock market. The nominal value is the actual price declared by the company. It depends on the size of the capital of the company. In simple terms, the sum of the total authorized capital is divided by the number of issued shares of the company.

Dividends are paid to shareholders based on nominal value, not market value. As a rule, the nominal value is a very conditional indicator and rarely coincides with the market value, which is formed by demand.

The advantage of such an investment is that you can count on a good income, which cannot be compared with the annual interest from a bank deposit.

The downside is that in order to manage investments, you need to be well versed in the specifics of the stock market.

Securities are one of the most volatile instruments subject to numerous external and internal economic factors. For beginners who still want to try their hand at investing in securities, experts recommend purchasing dividend stocks. In any case, they will be able to make a profit.

Starting your own business

Many of this type of investment, given the small amount of capital, may be very skeptical. However, today on the Internet you can find a lot of business ideas for starting your own business with minimal investment.

Here is just a short list:

1. Growing house plants.
2. Flower shop.
3. Opening of a nail studio.
4. Shugaring salon.
5. Breeding nutria or rabbits.
6. Production of semi-finished products at home.
7. Home atelier for tailoring and repairing clothes.
8. Making gel candles or handmade soap.
9. Organization of weddings.
10. Cleaning company.

A mutual fund is a mutual investment fund.

This organization is based on the trust management of depositors' money.

The purpose of such a fund is to manage the funds of investors, while investment processes are handled by professionals.

Simply put, you allow experts to manage capital by investing it in various areas of production.

It should be noted that investing in mutual funds today is no longer as popular as it was 10-15 years ago.

In the early 2000s, the rapid development of such funds allowed their investors to extract up to 500% of the profit from projects. Today we are not talking about such a huge profit, but it is still a good type of investment.

Any citizen who has money to buy one share can invest in a mutual fund.

A share is one part that has its own nominal value. The advantage of such an investment is that you do not need to have fundamental knowledge in the field of economics and finance. Professionals will be engaged in the search for profitable projects. At the same time, the mutual fund does not limit the geographical location of the company. So, you can invest in domestic and foreign companies.

Experts here use the principle of diversification. The one we talked about in the basic rules for successful investing.

A mutual fund allows you to invest money in the development of companies engaged in oil production, the sale of cosmetics, the production and processing of goods.

How does the investment fund work?

For example, you have an amount of 50 thousand rubles. You understand that this is not enough to launch a large project. If you find 9 more people with the same amount, then half a million rubles can already allow you to launch an interesting and profitable business idea. But where to find the rest of the participants? Here the mutual fund just allows you to combine the efforts of several investors for competent money management. At the same time, the fund does not limit the amount of the contribution. Anyone can become a participant, and the income will be distributed according to the amount of the investment.

It should not be forgotten that a certain amount will need to be given to experts, because it is they who will analyze the market and determine where to invest money.

Each of the participants of the fund, depending on the amount of investment, receives a certain number of shares. This indicates that each share has its own face value.

With all the money, the fund to which you entrusted the assets buys shares of companies (maybe different companies) and manages them on the stock exchange. At the end of a certain period, which is stipulated in the agreement, the participants of the fund can withdraw their profit along with the initial capital invested. And they can only take the profit, leaving the captal to work further.

It is fair to say about the financial risk that exists in this type of investment. Of course, it is, but minimal.

Firstly, professionals who have a special education and extensive experience in the field of investing will work with money.

And secondly, given the principle of diversification, the money will be circulating in different projects. The probability that all projects will immediately “burn out” is minimal.

The good news for those who are afraid to invest in mutual funds is government control. But even in this case, in order to minimize financial risk, it is important to choose the right fund.

Consider several criteria when choosing. Don't just focus on profitability. It can be high performance in a short period or a simple coincidence, a lucky coincidence. If it is profitability for you that is the main criterion when choosing, then analyze the profitability of a mutual fund over a long period of time.

There are open and closed mutual funds, which differ in the rules for entry and equity participation.

An open-ended fund is convenient for a minimum amount of equity participation and a short-term investment.

A closed-end fund offers investment for the long term.

Having on hand an amount of 10-15 thousand rubles, you can already safely invest it in a mutual fund and at the same time count on a profit that will grow every year.

Very often, people, having the amount of half a million rubles in their hands, do not come up with anything new, except to place all the funds in a deposit account.

The income from such an investment will be much greater than from a deposit, but only if this fund works well.

• experts manage the contribution;
• high profitability;
• free entrance;
• low entry threshold;
• possibility of deposit insurance;
• state control over the work of the fund;
• transparency in money management;
• the possibility of withdrawing money with an open form of deposit;
• variety of projects.

• payment for the services of professionals;
• financial risk.

Investing in PAMM accounts

Another option for investing a small amount of money is PAMM accounts. To some extent, this option is similar to a mutual fund in that it pools the money of several investors.

But the main difference is the management of that money. Anyone can become a trader and manage investment accounts. These are brokerage companies that have recently gained great popularity due to intensive advertising in the mass media.

PAMM is a form of money management by one person who "plays" securities on the stock exchange. All other participants observe the process, making a profit in proportion to the money invested.

In order to implement this type of investment, you need to find a professional successful broker. A professional broker is the key to the success of this type of investment. It is important to understand that all monetary transactions occur without the participation of the depositor.

If you have always wanted to make money on the stock exchange, but at the same time you understand that you do not have sufficient experience and knowledge, then investing in a PAMM account will be the best option.

Brokers earn their percentage from each transaction, so they are primarily interested in the success of the project. But at the same time, they do not invest their money, which means they do not bear financial risk. For an investor, investing in a PAMM account is a good opportunity to receive passive income.

Video. Investments in PAMM accounts

Conclusion

Of course, this list of options for investing a small amount is far from complete. In this article, the information was based on the criteria for the amount of capital of 50 thousand rubles and the lack of specific experience.

Today on the Web you can find many proposals on the topic of investing a small amount. In order not to become a victim of scammers, do not consider options for financial pyramids. The tempting offer of quick and high profits is always leveled by the fact of the complete loss of one's capital.

Video. Where to invest a small amount of money?