Although most people would like their funds to generate income, only a small percentage decide to invest them, fearing any difficulties and restrictions.

Any person can become an investor and receive, even having an amount of 500-1000 rubles, as there are assets where you can invest a little money.

To help novice investors, below will be presented options for where to invest a little money to make it work, the specifics and pitfalls with various profitable assets, as well as a number of recommendations on the topic.

Here you will find real options for investing small amounts that are suitable for people with almost any income.

What does small amount mean?

According to Rosstat, the average salary in Russia is just over 45 thousand rubles. Of course, that it varies significantly depending on the region and in fact fluctuates on average. from 20 to 50 thousand. Almost everyone can save 10% of their income, thus having 2-5 thousand rubles per month.

But it is important that the amount that you set aside to earn money in the market is not to the detriment of your financial situation. Roughly speaking, you do not need to save on food and eat doshirak to buy a couple and wait for dividends to be paid on them.

In modern conditions, even a thousand rubles can serve as an excellent start for earning and increasing capital.

Money makes money.

This is the favorite phrase of all investors and traders.

For earnings, this amount is not large, but it may seem so only at first glance. In fact, by investing only 3,000 rubles a month and receiving from them an average of 1.5% per month or 18% per year, in 10 years the investor will have a million rubles in his account, and in 20 years - already 7 million.

The secret of the growth of profitability in this case is, the efficiency of the use of which grows along with the investment period.

Of course, in some cases it makes sense to invest a little more in order to earn more tangible profits: for example, 15-20 thousand rubles set aside for several months. Consider specific options for where you can invest a small amount of money and what potential such investments can have.

Now let's take a real example. Take the amount of investment in 2000 rubles, which all citizens of the country with average earnings can afford to allocate. We open a brokerage account with an average yield of 25%, which, according to statistics, is inherent in earnings in the stock market. Let's take a 2% return per month.

Imagine that over the course of 20 years we will replenish this account by 2000 rubles. And after this period, the account will already have 11 800 000 rubles! It's hard to imagine such a sum. But it's real! And it all started with this small amount of 2000 rubles.

20 years for someone can show a lot, but even if you are 40 years old, then you probably already understand that at 60 you will not refuse such money and it will be very useful to you.

Where to invest small amounts of money

There are many options for multiplying money. And everyone can choose the one that suits them based on the amounts, risks and potential returns. Below we will analyze the most proven and popular of them.

There are specialized services that allow startups to find funds for the implementation of their projects, and for investors to profitably invest their money, helping other people's ideas develop. Such sites are called .

On them, the investor can evaluate the proposed investment options, estimated terms and profitability, and then choose the most suitable one for himself. Napartner, Planeta, Startupnetwork and others can be noted.

On the Napartner platform, there are many projects at different stages: idea, prototype, start-up and expansion. The startup organizer indicates the essence of his business, the required amount of investment, the percentage of profit that the project investor will receive in the future, as well as the estimated payback period.

Amounts and terms can be very different, depending on the type of business, and the future share of the investor, as a rule, varies from 10% to 80% future profit. For example, to open an online hypermarket of building materials, a startup is looking for 6 million rubles. In the future, the investor will receive 30% of net profit with a payback period of only 1 year. As you can see, there are options where it is profitable to invest a little money.

At the same time, it is profitable to invest a small amount of money, becoming a full-fledged sponsor of a separate project on the resource, it can be difficult, since the number of cheap startups on it is small. Now the most accessible of them requires an amount of 1350 dollars.

However, a huge plus of such services lies in the availability of joint investment opportunities - even in the largest and most expensive one, you can invest any amount, becoming one of the many investors between whom the profit will subsequently be divided.

Thus, it is possible to invest in an expensive large-scale project with even $100.

Bonds

When choosing high-yield bonds, you need to remember the very real probability of default on them, which is why you should turn your attention to large issuers with a good reputation and a stable financial situation.

Corporate debt securities are not as reliable as government bonds, but they are one of the most balanced options where you can invest small money in terms of return and risk.

An example is the issuance of bonds. Mechel 17 about. The corporation offers holders a coupon at the level of 10.38%, paid every six months. At the same time, a really small amount of money can be invested in securities, since the lot size for them is one bond, and the face value is only 350 rubles.

The market price for them practically corresponds to the face value, which allows you to start investing with an amount even less than 500 rubles, and this is a fairly reliable option where you can profitably invest a small amount of money.

It should be borne in mind that in Russia, private investors will have to pay personal income tax on all income received on corporate bonds.

Private lending (P2P lending)

A risky, but quite attractive option for where it is profitable to invest a little money is considered P2P lending or lending to individuals.

You can turn borrowing money into a regular investment activity. To do this, there are various services, one of the most famous among which is WebMoney and its credit exchange.

In order to use this service, you need to confirm your identity with a personal service certificate, which reduces, but does not exclude the risks of fraud and non-return.

Of course, lending from individuals is more expensive than from banks, which allows an investor on the Webmoney credit exchange to receive monthly income from their investments equal to interest on bank deposits for 2-3 years.

At the same time, it is quite possible to start investing with $100 in your account.

Thus, by investing relatively small amounts, you can count on a potential income of 100 percent or more per year.

However, this is only possible in theory, since in practice the share of defaults in the total amount of debts reduces profits to 50%. Of course, there are risks everywhere and this is not a reason not to do it.

Digital Options

This way of investing money is considered trading rather than investing. However, digital (binary) options still remain one of the options for where to invest a small amount of money with a lack of funds for more serious investments.

The attractiveness lies in high profits - from 70% in just 10-15 minutes.

Sites

Investing in websites means active income, not passive income, as the site needs to be managed, new content added, or promoted.

Even if you want to make some kind of service or paid service, you need to constantly monitor performance and attract new customers.

If we talk about small investments, this means that you will need to add content to the site yourself and spend a lot of time promoting it, for example, posting links to your site on forums and social networks.

But there are also simpler ways - for example, buy a ready-made site and add ads to it. Google Adsense, and then in a passive mode to receive income from advertising.

You can choose and buy a site on the largest exchange Telderi.ru. But even for this, you need to understand a little about the indicators of the site in order to distinguish a profitable and promising project from a loss-making one.

Profitable sites are sold for various reasons - money is urgently needed for a new project, another more profitable one; a person is engaged in creating websites and selling them; the main work of the current owner does not leave time for the development of the site; the site is simply tired of the owner and there is no desire to deal with it, it happens.

Some people do nothing but buy websites. The payback rate of the project is up to 8 thousand dollars in about a year or two. The more expensive the site, the longer the payback.

Investing small money in foreign currency

This way of investing is a bit similar to classic trading on.

The purchase of currency can be carried out both with the help of banks that are familiar to us, and in the terminals of specialized brokers. The largest are - which have been on the market for almost two decades.

Consider the example of a popular and familiar currency pair. By the way, remember that famous collapse of the ruble, when the dollar rose from 30 rubles to 70? On this, many have earned, especially since the dollar has been growing for quite a long time. Those who were able to invest on time, even a little money, earned well. And in the world such fluctuations occur constantly.

Wherever you invest money, you always find out how it works, what it can bring. The same is true with currencies. It is necessary to analyze the market situation before investing even small amounts in 500-1000 rubles. If everything is done correctly, then this thousand can be multiplied from just one transaction.

For example, here is the result of one of our trades with the GBP/NZD currency pair at a broker in just one day:

At first, you can invest in the so-called safe-haven assets - this is the Japanese yen and the Swiss franc. The latter is one of the most stable. This is a kind of analogue of gold in the foreign exchange market.

Many professional and large traders do not open trades every day, but wait for a good moment and open positions for a month or more. This is more like investing than trading. And the profit here is also high.

someone else's business

A rather risky, but at the same time very promising option of what to invest a little money in to make it work is someone else's business.

The advantageous difference from your own business in this case is the absence of the need to constantly spend your time, as well as a lower entry threshold.

There are several options for such investments:

1. Stock. Equity securities allow you to take part in the management of a joint-stock company, and also give the right to receive part of its profits.
2. Loan agreement with the founder. In this case, the repayment of the debt will not legally depend on the success of the business, and the amount of profit will be agreed in advance as a percentage of the debt.
3. Investments in business development as an investor. Startups can also be included here, but in addition to them, you can also invest in the development of a ready-made business, for example, in opening new directions or outlets.

Investments in a ready-made business not through the stock exchange and brokers will always go in an individual way. These can be contracts, the acquisition of shares over the counter, various kinds of agreements.

Just think, maybe there are people in your environment who work for a good company where you could invest money. You just need to make an offer and start negotiations.

The disadvantage of such methods is the increased risks.

Bank deposit

A bank is the most proven, reliable and less risky way to invest small amounts of money. Its essence lies in the fact that you enter into an agreement with the bank, under which it not only stores your money, but also accrues profit on them in the form of interest. It can be obtained after the expiration of the contract.

At the same time, you can invest money at interest, starting with almost any amount.

Well, the bank uses this money in its financial transactions and trading in the market in order to get more profit from additional cash.

The guarantee that you will receive your money is the mandatory deposit insurance for the amount up to 1.4 million rubles. Roughly speaking, if your deposit is just not more than this amount, then the bank will pay you back in any case, even if it goes bankrupt. The refund in this case is at the expense of the state.

Naturally, the more money, the higher the profit. But seasoned pros advise "don't put all your eggs in one basket." - this is one of the basic rules for successful investing, which we will talk about later. Therefore, divide the amount of your deposit into several banks within the limits of insurance.

If we talk about classic fixed-term deposits, then for most of them the minimum threshold is the amount of 5-20 thousand. However, there are offers from relatively small banks that allow opening a full-fledged deposit even from 1000 rubles: for example, MTS Bank offers a deposit MTS Profitable, and Textbank - Profitable+.

In addition, there is such a product as a savings account, the minimum amount to open which is only 1 ruble. Services for its provision are offered even by such giants of the industry as Otkritie - according to such an account, customers are charged 6,17% per annum. It may not be much, but you have already seen what compound interest is capable of.

OFZ

Federal loan bonds are considered to be a highly reliable asset, so the choice of options is quite wide, since the investor does not have to reject high-risk offers.

There are various types of securities on the market, however, federal loan bonds with a constant income are in the greatest demand for obtaining a stable income. The coupon for such instruments is set upon issue and remains unchanged until maturity, which allows you to calculate your future income.

As an example, consider OFZ-PD 25083 with a fixed coupon equal to 7% from the face value. On the positive side, it pays out twice a year, which allows you to reinvest more often or simply spend the profits.

The nominal value of the paper is one thousand rubles, however, due to the reduction of the Central Bank's rates, there has recently been a general increase in interest in OFZ, which is why the bond is now traded at a markup of 2,4% from the face value. Accordingly, you can buy it for 1024 rubles and get a guaranteed 70 rubles of profit in a year.

Federal loan bonds are not traded in lots, due to which small amounts of money can be invested in them by buying one or more securities.

A significant advantage of investing in OFZs is the exemption of the investor from paying tax on the received coupon income. Corporate bonds are deprived of such preferences, which somewhat reduces their real yield.

Despite the availability of investments and profitability, OFZ profit does not suit everyone.

ETFs

When you buy an SPDR stock, you buy a basket of 500 companies. If you were to buy these shares individually, you would need a lot more money.

Now there is a growing number of funds not tied to indices, but tied to the industry, for example, PureFunds Drone Economy Strategy ETF (IFLY) invests in drone manufacturing companies. There are separate ETFs for various industries like oil, refining, biotech, medicine, fast food, and so on.

The average share price is 10-40 dollars. When you buy one share, you buy a whole portfolio. It is worth saying that, like mutual funds, these are longer-term investments. Large portfolios reduce risks, but also profitability.

You can also view charts of over 140 ETFs:

Minimum deposit to get started on – $200 , at the same time, you need to check the box that you are a qualified investor when registering. This is a formality from the European regulator, confirmation that you understand the risks of financial markets.

Also, a broker with a 20-year history of operation has popular ETFs in its assets:

Investments in gold and other precious metals

Recently, more and more people began to invest in the purchase. But you don't buy bullion and keep it under your pillow. In fact, you won't even feel them. When buying, all this is stored on a special account in cash in the bank.

Like the foreign exchange market, the commodity market is subject to short-term ups and downs. But for the most part, the main precious metal is rising in price in a long-term trend, as evidenced by the screenshot below.

Gold has been considered the main safe-haven asset for many decades for a reason. This metal is not subject to inflation, which eats away your savings in bank deposits, depreciating part of the profits. Also, no economic shocks, political events, natural disasters, geopolitical risks affect the dynamics of gold. How, for example, they can collapse the currency or the stock market in a matter of hours.

Gold in such unstable situations can only get more support and start to grow. Since all investors will begin to withdraw investments from risky assets and invest them in stable metals.

It would seem that since everything is so wonderful, why is everyone not investing in gold?

And here there are drawbacks. Namely, an inconvenient storage system, high taxation, and so on. You can store gold only through the banking system. Well, profit can only be expected in the long term.

To summarize, you can invest in gold in quality. Investments in metal are available from 1000 rubles through banks.

The goal is to keep or earn

The choice of an investment asset depends almost entirely on what the investor is pursuing. If he invests the last money in order to protect them from inflation, it is necessary to choose low-yielding assets with a minimum level of risk. In turn, the higher the desired level of income for the investor, the more risky assets he should use.

If you are saving money to buy a property or other important purchase, then risking money is not worth it. In this case, it is better to choose a bank deposit, since only it has a guarantee of return of the invested money even in the event of bankruptcy of the organization - after all, deposits up to 1.4 million rubles are insured by the Deposit Insurance Agency.

In search of the ideal option of where it is better to invest small money, investors often forget that it is not necessary to choose one single one, because even 300-500 dollars can be divided into several different assets. This will help you save your investment in case one of the investments fails and incurs losses.

Basic principles of investing small money

Investing even small amounts requires compliance with measures that increase the likelihood of making a profit. Of course, it is impossible to completely eliminate the risk, but following these tips can significantly bring the investor closer to the goal.

• Investment of free funds. A good investor knows that you need to invest only free, set aside money that will not worsen your standard of living.
• Having a goal and strategy. Investing involves analysis and forecasting. It is not worth investing in any instruments just for the sake of investing them - a good investor should know how much, in what period and under what conditions he would like to earn.
• Discipline. Following your own strategy should be mandatory for the investor, despite the fact that no one will control him. If the strategy says that it is time to sell this or that asset, you should not try to keep it further under the influence of momentary emotions - such incidents often end in losses.
• Reinvestment. The secret to good profits in the long run is compound interest. That is why it is better not to spend your profit, but to invest again, expanding your investment portfolio.
• Regular investments. Since we are talking about where to invest little money, the best way to increase your profits is regular investment. For example, if you set aside 2,000 rubles a month, the investor is unlikely to lose much in the quality of life, but at the same time it will significantly increase the rate at which his profit will grow.
• Don't stop learning. Stay up to date with events, news and new promising directions. This is the only way to be the first to find a promising activity and have time to “catch the wave”. Just like it used to be with Bitcoin.

Where better not to invest

There are many ways to invest funds that attract investors with high returns and quick profits. However, no one has canceled the proverb about free cheese. Consider several assets in which it is undesirable to invest in.

HYIP projects

Various sites promising 50-90% profitability per month, without having a clear concept of how such profitability is achieved. In the end, they turn out to be just financial pyramids. Of course, it is possible to make money on such projects, but not at all. It turns out, as a rule, only at the very beginning, because, after attracting a certain amount of money, they simply close and all participants know about it in advance. The goal is to have time to withdraw the deposit before closing.

For this reason, investing in various HYIP projects, financial pyramids, fund multipliers, etc. are acceptable only if the investor is aware of the risk and is ready to completely lose all invested capital in a short time. If it would be a pity to lose money, it is not worth investing even small amounts in such projects.

Personal growth training

Self-development is the best way to invest, but for this it is better to read books and get a specialized education.

All sorts of seminars and trainings have long become a business in which the goal in itself is not to teach clients how to invest, but to make money on what they came (give me 10,000 and I'll tell you how to make money).

The vast majority of such seminars will not give the investor information and skills beyond those that can be found for free on the Internet, but at the same time they can significantly empty his wallet.

Microfinance organizations

The large percentage offered by MFIs against the background of bank deposits looks very tempting, however, it must be remembered that such investments are not protected by the state, and a significant part of companies of this kind end their activities through bankruptcy when it becomes impossible to continue to partially pay money to their first investors at the expense of the following investments. For this reason, there is a very significant probability of losing your funds, and quite legally.

An investor must understand that if an organization offers an income much higher than the market one, and at the same time very favorable and comfortable conditions for investments, this should arouse suspicion. There are a huge number of scammers on the network who want to make money on novice investors - you need to learn not to fall for their tricks.

Conclusion

In the modern world, anyone can become an investor, regardless of income level.

1000 rubles can become a million in the future.

There are many ways to invest a small amount of money both in stock market instruments and in more complex and risky projects.

Depending on the type of asset, you can start investing with both 30 thousand and 1 ruble, which gives novice investors the opportunity to try their hand and earn their first profit in this industry.

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

• • Experienced Investor Rules
• • Option number 1. Bank deposit
  • Option number 2. Investing in the stock market. mutual funds
  • Option number 3. Investing in the foreign exchange market
  • Option number 4. Investing in real estate
  • Option #5: Investing in an apartment building
  • Option number 6. Investing in a business project
• 5. Conclusion

Have you decided to make a fortune, but don't know where to invest your money so that it works and brings income? Are you tormented by doubts, overcome by indecision? Trust me, it's ok. Every millionaire has gone through this.

Perhaps this article will help you find a foothold and get on the path of a new life. The experience of many wealthy people who have achieved success through bold and wise investment decisions has been accumulated here. You will learn about time-tested ways of profitable investment and will be able to "try on" these methods for yourself, learning from other people's examples, mistakes and achievements. We will analyze in detail in the article where to invest money so that they bring a high percentage of profitability.

Rules and ways where you can invest money to make it work

1. Investment of funds for the purpose of making a profit - rules and recommendations of investors

Going on this voyage, you need to choose the right course so as not to run into reefs and shoals. A novice investor also needs to decide at the very beginning of his journey on the direction that will provide him with maximum returns and minimum risks.

At the same time, one should not forget the common truth: who does not take risks, does not have a chance to earn. And another golden rule of the depositor: big risks are proportional to big profits.

However, in order for the risks to be justified, the first investments must be made not in a bank, not in shares, not in precious metals, but ... into yourself. This means that a novice capitalist needs to acquire the necessary knowledge about money and the tools to work with it. Only armed with theory, many risks in the practice of investment can be prevented.

Experienced Investor Rules

Rule 1. Creating a financial cushion is an indispensable condition for investing

One of the taboos of an experienced investor is to make injections without having a reliable financial base. In this case, we are not talking about bank deposits, which are not profitable, but rather a savings instrument.

Such a financial "rear" is created by monthly saving money or by selling expensive property.

Say if you used to live on the sum 100 thousand rubles per month, then before you start investing, you must have at least 600 thousand rubles. Only those who have passive income can do without a financial pillow.

- financial flows that do not require daily efforts (profit from business, rental of real estate, dividends on shares).

Rule 2. Diversification

For cash investments to work effectively, distribute them among various investment instruments and, preferably, across different sectors of the economy.

Remember the textbook example of the basket of eggs. If it topples over, all the eggs will break. Therefore, by dividing your money and investing it in diversified areas (companies), you will not stay on the beans if one of these areas (companies) becomes unprofitable. The rest of your investments will “pull out” your funds, preventing all capital from “going to the bottom”.

Put in, let's say 30 % funds to the bank 30 % to the oil and gas sector, 3 0 % in the manufacturing sector, and 10 % - in food. In this case, all instruments in your investment portfolio - shares, rental property, profitable business, bank deposit– will be resistant to market metamorphoses.

Keep in mind that you can also buy real estate thanks to maternity capital - everything about maternity capital 2019-2020.

Rule 3. Keep all possible risks under control

Without losing, you will not earn - all investors have to put up with this condition. But at the same time, experienced financiers try to manage their funds in such a way as to lose as little as possible and earn as much as possible.

Beginners tend to overestimate their strength and flog a fever. They want a lightning-fast blitzkrieg - and often find themselves overboard. Money does not like haste and aggression.

The art of investing - this is, first of all, thoughtfulness, balance and gradual - STEP BY STEP - promotion.

It is necessary to act according to the principle: from simple to complex, from conservative to avant-garde. Start with, say, a thousand dollars and invest it in an area in which you are well versed (We recommend reading -). Renounce adventures with money borrowed at interest, investing them in one actively advertised, but rather vague "deal".

All of this could end complete financial fiasco weighed down by the unsustainable burden of credit.

Recommended! Take your time: Ostap Bender not for nothing reminded his impatient partner that "only cats will be born soon." Remember how carefully the great strategist himself carefully his strategy to achieve his cherished goal.

Rule 4. Look for co-investors: this will multiply your opportunities

By joining forces with other investors and creating a “common pool,” called a “pool” in the language of financiers, you will achieve the maximum return on investment.

Let's say you have a promising project or an attractive investment tool. And you don't have enough free money at the moment. The most reasonable thing in this case is to involve in this business those who will also like this investment idea, and together with them invest on an equal footing. (We recommend reading -)

Today, a popular topic for investors has become pamm accounts. We are talking about the transfer of their assets to trust management to a professional manager (trader) who receives a percentage as a reward for successful financial transactions. If the trader's management turns out to be ineffective, work with him stops.

If such a pamm account is created by several investors together and transfer their pumas to trust management, then the risk of loss is shared by all- in proportion to the invested amounts of money.

Following this investment scheme, investors, sacrificing a small percentage of their money (usually - 10-20 % ), significantly multiply their income and reduce risks.

Rule 5. Creating passive income is no less important than multiplying assets

According to well-known American entrepreneur Robert Kiyosaki, passive income is a key condition for financial freedom. According to him, assets are not only generators of income (rent, investments, business), but also its sinks (houses, cars, liabilities).

Therefore, in order to get rich, it is necessary not only to have assets, but also to master the leverage that allows you to get these assets again and again. This function is performed by passive income.

Let's look at this rule with an example. Let's say you invested 50 thousand rubles and a year later received 75 thousand rubles. So your money has produced 30% profit. But you have no guarantee that next time you will earn the same amount. After all, such a “fat” significantly exceeds the banking one, which means that the risks of such a way of earning are much higher. In the event of force majeure, you are threatened with the loss of most of your capital or even the loss of the entire invested amount.

Now imagine that you first created your passive income for the same 50 thousand rubles. It brings you a stable 1.5 thousand rubles a month, or 18 thousand rubles a year. You can now get a loan of 50 thousand rubles to use it as an investment. In that case, your passive income will be a reliable guarantee loan return.

2. How much can I start investing

If you want to start an investment activity with a bank deposit or buying shares, then any amount is fine. You can start with as little as a hundred dollars.

If you haven't raised your start-up capital yet, start saving for 10-15 % from your income. This is an easy way to build a financial reserve that will grow as your income grows. So you will develop a very useful habit - to control your expenses without increasing them as you accumulate money.

Mark Zuckerberg is a prime example of prudent financial management. This millionaire has a spartan lifestyle. The rich man sleeps on a mattress spread out on the floor. From the furniture I bought only a table and a chair. The founder of Facebook, Zuckerberg does not have internet access.

And this is not an isolated case of austerity among more than prosperous people. The gossip column is full of anecdotes about "greedy" millionaires walking around in torn socks, saving used tea bags and contenting themselves with only carrots for breakfast.

However, what in the language of the layman is called "greed" millionaires and billionaires call "literate economy." The most successful among them have mastered the science of living within their means better than anyone else.

Strive to achieve a balance between your income and expenses - and you can become one of them.

3. Where to invest money to make it work: 5 profitable investment options

Today, novice investors have a lot of temptations. The Internet is replete with paid special courses that promise a miraculous transformation into a millionaire in a couple of days, you just need to follow their recommendations on where to invest money and when to expect a profit.

However, often such “freaky” recipes are nothing more than a veiled scam, designed for naive and greedy people for easy money.

You should get acquainted with the classic ways of investing. They will allow you to invest your savings in understandable instruments, which will lead you to predictable returns and save you from excessive risks.

Option number 1. Bank deposit

This method is the most popular, but its income is minimal. But he saves money from inflation, especially when it comes to small deposits. Usually in banks, the terms of the deposit differ significantly. At the same time, each financial institution provides customers with a choice of several types of deposits.

The optimal is the interest rate on the deposit, the amount of which is not lower than the refinancing rate. In this case, nothing threatens the depositor's money. Today there are many banks in Russia, the interest rate of which reaches 10-12 % . Sberbank is traditionally considered the most reliable financial institution, although it does not have a high interest rate on deposits.

Many banks provide customers with the opportunity to open deposits in any currency: rubles, euros or dollars . In some, you can even open metal deposits ( silver, platinum, gold). Such an account holder has an income when the price of precious metals rises. True, it is not guaranteed, as the price of precious metals may decline.

For reliability, it is recommended to open a deposit not in one, but in several reputable banks at once. Unfortunately, no financial institution is immune from bankruptcy. But banks don't all fail at the same time. Small banks are the weakest link in the banking system.

In accordance with the legislation of the Russian Federation, if a bank loses its license, the insurance payment on the deposit is equal to one million rubles, i.e. amount in 1,000,000 rubles you will definitely get from the state. This guarantees the clients of the failed bank the compensation of their funds, if the amount of the deposit did not exceed the insurance.

Advantages and disadvantages of investing in a bank deposit

Advantages of a bank deposit (+):

• accessibility and simplicity;
• low risks;
• high liquidity (there is always an opportunity to withdraw money);
• the threshold for investment is minimal (an amount of a thousand rubles is enough).

Disadvantages (- ):

• low level of profit;
• loss of income due to early withdrawal of funds.

Option number 2. Investing in the stock market. mutual funds

Stock market is a place for buying and selling securities: stocks, futures, bonds, etc.

This is a vast field of activity for those who have free assets and rely on large returns, while taking into account the multiple risks lurking in operations in the stock market.

According to the duration of investing money in securities, investors are divided into long-term, medium-term and short-term (speculators).

The first type (long-term) includes investors who make purchases for several years in the long term. The most successful investor in the world, Warren Buffett, belongs to the cohort of these investors.

Medium-term investors buy securities for several months or weeks, while short-term investors hold purchases from several weeks to a couple of minutes.

You can manage your investments on your own, or you can contact a reliable brokerage company or entrust the trade to a trader. In addition, there are mutual funds (mutual funds) where money is invested.

Let us dwell in more detail on this new form of collective investment for Russians.

mutual fund - this is the funds of several investors who have combined their securities into one investment portfolio and transferred them to trust management of the manager company.

Mutual funds are open , closed and interval .

With an open fund the investor (depositor) can sell or buy his share on any day, with interval- only at certain times (several times a year), and closed- exclusively at the end of the project.

As investment instruments in a mutual fund can be: cash, bonds, shares, real estate. The most popular funds are mixed investments.

Shareholders' income is determined by the increase in the value of their shares, which can both rise and fall depending on fluctuations in the market value of securities. Therefore, shareholders bear the risk of losses, because the profitability of the fund is not ensured either by its management company or by the state.

Each investor of the mutual fund receives income exclusively from the reverse sale of their shares. If the market value of the shares or bonds included in the fund increases, the value of the units also increases. At the same time, the activities of the management company are controlled by the FCSM, due to which the funds of the shareholders cannot “disappear in the fog”. In the event of bankruptcy of the management company, the mutual fund does not “evaporate”, but is transferred to the disposal of another company.

To compensate for the costs associated with the issuance and redemption of shares, usually introduced surcharges on the value of units at their issue and discounts at their redemption. The increase in the acquisition of shares practically reduces the number of shares recorded in the register of the shareholder. And the discount reduces the amount of money given to him in the event of redemption of shares. This is the direct cost of the shareholder. The maximum allowance does not exceed aet 1,5 % from calc fixed value of the share. The maximum amount of the discount is not higher 3 % from the estimated value of the share.

At the expense of the property of the unit fund, monetary remuneration is paid to the management company, depository, registrar, appraiser and auditor. Their sum is not more than 10% from the annual value of the assets of the mutual fund. In addition, investors pay taxes on their income received in the fund. Residents of the Russian Federation pay tax at a rate of 13%, non-residents - 30%.

Advantages and disadvantages of investing in mutual funds and the stock market

Advantages (+):

• small amount of initial investment (from a thousand rubles);
• a wide range of investment instruments;
• a sufficiently high percentage for each reporting period;
• receiving dividends;
• self-compilation of an investment portfolio, allowing you to correlate risks with projected returns;
• information openness: the management company regularly publishes full reports on its activities.

Disadvantages of investing in the stock market and mutual funds (-):

• the complexity of the investment procedure;
• high risks (there is no 100% guarantee of profitability);
• the need to acquire special knowledge in case you have to manage an investment portfolio yourself

Option number 3. Investing in the foreign exchange market

The English word "FX-market", or "Forex" (in Russian Forex), refers to the global currency exchange market. All types of currencies are converted here. This is a real Klondike for traders-speculators who make most of their trading operations during the day. This allows some of them to multiply their capital several times in just a few weeks. We recommend reading - what is Forex and how it works in. From the article you will find out whether it is possible to earn money and whether it is realistic to do it without investments.

However, in Forex you can both earn quickly and a lot, and lose everything overnight. Huge risks always accompany crazy luck here. The sphere of foreign exchange deposits is favorable only to professionals with deep knowledge in the field of finance. If you want to learn more about how to trade in the Forex market, then read.

Fortune smiles at Forex as emotionally stable individuals. Therefore, the first to lose their money here are newcomers. They tend to squander quickly and rarely come back after the first major setback. Only those who believe in luck remain, distinguished by diligence, iron discipline and vigilance.

We advise! You need to be extremely careful about the numerous offers of Forex brokers. Among these companies, there are many that, by concluding a contract with you, are not going to bring your trade deals to the real market. As a result, all your money will smoothly flow into their accounts, and you will remain in the cold.

To prevent this from happening, before making a responsible investment decision, “probe the soil” well: monitor customer reviews, visit the office of a brokerage company, get acquainted with the management - in a word, make sure that the assistant you choose really trustworthy.

Advantages and disadvantages of investing in Forex

Advantages of investing money in Forex (+):

• a small amount to enter (from hundreds of dollars);
• the opportunity to earn a lot and quickly;
• a wide range of currency pairs for trading transactions.

Disadvantages (- ):

• the need for special knowledge and technical skills;
• extremely high risks

Option number 4. Investment in real estate

Both commercial and residential real estate, as well as a water body, a ship, a land plot, an aircraft and even a spacecraft (in accordance with the Civil Code of the Russian Federation) can act as an investment instrument.

It is clear that the more expensive the property, the more profit it will give, but at the same time it will require more literacy from the investor.

Advantages and disadvantages of investing in real estate

Advantages (+):

• the opportunity to have passive income by renting out real estate;
• the opportunity to make good money when selling real estate;
• the right way to save money during inflation;
• the possibility of targeted use of tangible assets (real estate is square kilometers where you can place your own business or use them for living).

Disadvantages of investing in real estate (-):

• a fairly high entry bar (from hundreds of thousands or more);
• low level of liquidity (difficult to sell quickly without significant loss of value);
• susceptibility to damage and even loss (natural disasters, accidents, damage by unscrupulous tenants), which requires the allocation of additional funds for the insurance of tangible assets.

Option number 5. Investing in an apartment building

In general, this is a type of investment in real estate, but it should be singled out separately due to the many features of such an investment scheme. Unlike the usual investment in housing, which you can later resell, investing in an apartment rental building allows you to start making a profit in 2-3 months and achieve a cash flow of 100-300 thousand rubles per month.

The point of this investment scheme is that you buy or rent a large house, divide it into apartments and start renting out all the housing separately. The scheme brings much more profit than renting the entire house to one family. Of course, this way of investing requires preparation and careful planning. We advise you to use our free business plan on how to create an apartment building and start making money from it.

Download free business plan

Business on tenement houses from scratch

Watch a video from a successful investor who has already started making money on the created apartment building:

Option number 6. Investing in a business project

If you have commercial experience and you are not deprived of an entrepreneurial spirit, then investing in a business - your own or someone else's - is one of the best decisions. True, there are pitfalls here, but they can be easily avoided if you have the financial reins of government in your hands.

But you and only you will determine the direction of cash flows, which will ensure the maximum return on them. No wonder many financiers believe that investing in your own business is the main condition for its rapid rise and flourishing.

Investing in your business is a profitable and correct investment

Advantages and disadvantages of investing in your business

Advantages (+):

• the ability to effectively build business processes and regulate them through the possession of monetary leverage;
• the ability to easily and quickly find co-investors and thus attract solid capital to the business;
• advantages in obtaining a loan compared to other investment.

Disadvantages of investing money in your business (-):

• high risks in the conditions of market competition, requiring business insurance;
• low liquidity: many assets, such as equipment, are difficult to sell without significant loss of time and money;
• the possibility of losing a share in the business when co-investors are attracted to it.

4. Where not to invest money

You should not tempt fate by trusting your savings to the authors of dubious projects (casinos, slot machines, all kinds of pyramids) and other adventurers “from the big road”. Contacting them is like stealing from yourself.

Particular care should be taken with businessmen who are in conflict with the Criminal Code: drug dealers, arms dealers and other contraband, brothel organizers, owners of front companies.

It is also better not to have anything to do with real estate scammers. Otherwise, you will be involved in their corruption schemes or become accomplices in such morally unacceptable acts as, for example, the eviction of lonely elderly people.

It is unlikely that a normal person needs money at a similar price. Moreover, there are many other - honest, socially acceptable, not contrary to human morality - ways to make money. Engage in them, you will not only gain financial well-being and independence, but also a reputation as a worthy person.

5. Conclusion

The expression “movement is life” is suitable not only for a living organism, but also for money. If they do not move, do not work - they weaken, become smaller and disappear. Losing their activity, they become dead capital, victims of inflation.

In this review, we talked about the main and popular ways to invest your money, and also considered the rules and recommendations of successful investors who have gained financial independence

In this article, you learned about the most popular methods of investing free money that allow you to increase your capital; reviewed the basic principles of investment; got acquainted with examples from the life of the most successful millionaires on the planet.

Now that you have become a financially literate person, become rich

The real incomes of the population depend on nominal accruals and the level of inflation. The latter increased by 3.2% in 2017. The growth of nominal accruals is less than the pre-crisis level. A Russian with an average income can pay his living expenses, but he will not have the funds for travel or for a quality vacation. Therefore, many people think about where it is profitable to invest money.

Where can you invest money today?

The issue of investing funds is very relevant today. Experts advise investing in large projects just after the stabilization of the ruble exchange rate in the market. Investors with small capital also have interesting options.

Along with forex and the stock market, binary options are gaining more and more popularity. If the investor guesses the direction of price change, he will receive a profit of 50 - 75% of the rate. Other popular destinations include cryptocurrencies, mutual funds, PAMM accounts.

Much has been said about earnings from the financial market before. But such a direction as making money from online games is only gaining popularity. For registering in the project and completing simple tasks, the player receives income and bonuses. This option of earning can be considered as a way of temporary part-time work.

Investments in bank deposits are still being actively discussed. It is a risk-free and low-return investment. Banks are also actively promoting deposits in precious metals, both in the form of bullion and OMS. In the long run, these investments are profitable. The question is whether the inverter is ready to wait several months until the metal price changes.

How to choose a win-win option when investing money

It is worth noting right away that there are no risk-free investments. If the bank fails, depositors may lose their savings. Investors can only reduce the level of risk to a minimum.

What Experienced Investors Look For

Experts advise considering as many promising ideas as possible in the process of choosing an object. Then analyze in detail the profitability of each direction.

When choosing an object, the ratio of profitability and profitability should be taken into account. Before freezing finances for a long time in real estate, you should analyze the profitability of a similar object.

Experts advise relying only on one's own strength. Only accumulated funds should be invested. If you cut expenses by 30% and increase your income by 20%, then people with average incomes can save $1,000.

Investment diversification

You need to invest in different objects, assets and markets.

According to the rules of risk management, approximately 60% of the capital should be directed to risk-free assets. Investing in precious metals has always been popular. Investment risk is minimal. The payback period depends on the price dynamics, but on average it is 1-2 years.

The rest of the funds can be invested in stocks and bonds. If there is no knowledge, opportunity or time for training, then it is better to entrust funds to mutual funds. The bank, as an asset manager, will select the best bonds for investments, will execute and carry out the purchase and sale procedure itself. You will have to pay a commission for trust management.

Calculation and control of risks

To understand in which direction to move, you need to clearly monitor the current situation. To do this, you need to keep a diary in which all investments in objects and the income received are recorded. For traders of the stock and currency markets, even a special diary of transactions has been developed. After all, the trader's net income is the profit from the transaction minus the broker's commission.

Investors in the real estate market should pay attention to the economic situation in the country. In a crisis period, it is easier to buy an object at a bargain price, wait for the market to stabilize and then sell it.

Money has to work. Therefore, while the investor is studying promising areas of investment, his savings should be left on a bank deposit so that they do not depreciate.

The so-called risk-free areas of investment are intended more to suppress inflation. Interest rates on deposits barely exceed the average annual price increase. But this scheme of earnings brings a stable income.

Interest-bearing bank deposits

Banks accepting deposits from individuals must be members of the insurance system. Then, in the event of bankruptcy of the institution, the depositors will receive their savings in the maximum amount of 750 thousand rubles. When choosing a deposit program, you should check whether the financial institution has a license from the Central Bank and whether it is registered with the DIA.

Russians trust their savings to state institutions: Sberbank and the VTB Group. These banks are market leaders in terms of the number of attracted deposits. However, users in their reviews complain that it is rather difficult to terminate the contract prematurely, and the level of profitability in these institutions is 2-3 p.p. below the market average.

Real estate: letting, rent

The safest investment option is to buy real estate. Moreover, it should be purchased precisely during the crisis period, while market prices are understated. Many investors consider this direction as a way to save money. In times of crisis, the object can be leased and rented.

Investing in real estate, as a way to increase capital, requires knowledge, experience and the availability of funds. Otherwise, funds frozen for a long period of time will not bring income. In the second case, it is worth investing money at the stage of laying the foundation. Then, by the time of delivery, the cost of the object will increase by 2.5-3 times.

Investing in small and large businesses

People with an entrepreneurial streak and promising ideas are best off investing in their own business. To implement the project, you will have to draw up a detailed business plan, evaluate your competitive advantages in the market and think over advertising based on them. In the process of implementing the project, the entrepreneur will have to carry out all the work on his own. As the business develops, it will be possible to hire assistants. Investing in your own business has one serious drawback - the entrepreneur will have to take on all the risks of implementing and implementing the project. Or find co-investors. In the second case, the profit will also have to be shared with partners.

Old methods of investing bring little profit. Those who are looking for innovative tools should pay attention to such offers.

stock markets

Investing in the stock market will be beneficial for those investors who are going to freeze their funds for a long time. Intraday speculative trading is a separate profession that takes a long time to learn. To work on the stock market, you need to open an account with a broker and, at a minimum, familiarize yourself with the operation of the platform.

The advantage of this method is that you can make transactions not only at your own expense, but also borrow money from a broker and open "short" positions in the market. Upon completion of the operation, the trader returns the borrowed funds to the broker, and keeps the interest income for himself.

To work on the stock exchange without a broker, you need a capital of several thousand dollars. This option is not available to everyone.

Forex

Forex trading can be done by beginners without experience. Brokers develop structured products for their clients. Their essence lies in the fact that the investor distributes his deposit between risky and risk-free investments. The basis of the investment portfolio is not only precious metals, but also popular raw materials (oil, corn, sugar, etc.).

The investor chooses an investment scheme based on:

• the level of deposit protection (what share of the capital the broker undertakes to return in any market situation);
• participation rate in each direction of investment (according to this indicator, investments are divided into risky and risk-free).

Online games, casino, poker

The most popular methods of making money on online games today are very risky. By participating in games, you can win a small amount of money several times. But you won't be able to make a living playing casino games.

They use several schemes to defraud money:

"A win-win combination." With this phrase, scammers attract newcomers' money to casino resources, which, according to their calculations, can bring good income. Moreover, the information is provided absolutely free of charge.

Program Vulnerabilities. With this approach, scammers are trying to lure out money for developing a unique code that will help beat the casino.

Where to invest 100,000-500,000 rubles to earn without risk

Amounts of several hundred thousand rubles are better to invest in real estate, construction and antiques.

Acquiring objects in the elite real estate segment should be at the stage of laying the foundation. Every year, the return on investment will increase by 7%, not counting the market value of the object. By the time of commissioning, the cost will increase by 2-3 times.

For half a million rubles, you can buy a franchise. In this case, the license holder provides full support: consults in the process of manufacturing products, searching for distribution channels, decorating premises, paying advertising costs, and conducting staff training. You will have to pay monthly royalties (rent) for receiving such consultations. In 70% of cases, such expenses are fully paid off in six months.

You can also invest half a million rubles in your own existing business. It is not recommended to invest money at the development stage of the project due to high risks. It is better to use such funds to strengthen market positions and develop new segments. Achieving this goal is easier for an organization with a good reputation than for a startup.

Another option is to open a deposit in one of the investment banks. Interest rates at European financial institutions are higher than those of Russian ones. However, funds will have to be frozen for a year. In case of early termination of the contract, income is recalculated at the minimum rate.

If you are thinking about where to invest your money, then pay attention to the following options. These ways of investing bring good returns in the long run.

Investment in precious metals

It is better to invest in precious metals through a banking institution, otherwise there is a chance to run into scammers. It is better not to take the purchased ingot from the bank. If the box or metal is damaged, then it will be difficult to sell it. In addition, when selling an ingot, you will have to pay VAT. If the value of gold does not increase by 18%, then such an investment will be unprofitable. Therefore, you need to invest in bullion for at least 5 years. In the short term, it is better to invest in an unallocated metal account. The profitability of such investments is less, but you will not have to pay taxes when closing an account.

Investing in cryptocurrencies

Imagine a house with a lot of locked apartments. Each of them contains a coin. You need to sort through all the keys to open the door and get money. The same is the case with cryptocurrencies.

There are digital encrypted money (Bitcoin, Litecoin, etc.). To get them, you need to go through many combinations. A limited number of coins creates supply and demand. In 2014, the value of Bitcoin increased 100 times and then decreased. The main disadvantage of this way of investing is that there is no guarantee of price growth.

Cumulative life insurance

Many of you have probably heard of such a service as life insurance. But not everyone knows that this tool can be used to invest funds. The essence of accumulative insurance is that at first the client transfers a certain amount to the fund, for example, $400 per year. This process continues for 5 years. At the same time, the life of the client is insured against accidents, injuries and disability. The difference between the service and ordinary life insurance is that if an insured event has not occurred within 5 years of the contract, the company returns all invested funds to the client. And additionally pays 4% per year for the use of money. The client will invest 2 thousand dollars, and after 5 years will receive 2.253 thousand dollars. The income is small, but guaranteed.

Mutual funds

Mutual investment funds are characterized by an attractive risk/reward ratio. The client transfers funds to a management company, whose employees independently choose the areas of investment and invest them in various assets (securities, real estate, etc.). In Russia, many banks provide this service - Sberbank, Raiffeisen, VTB, etc. The return on a deposit is higher than a bank deposit, but there is no guarantee of income. During the year, the company can make a profit or loss. Therefore, only large mutual funds should transfer money for management.

Put money on deposit

Existing clients of a financial institution can open a deposit without leaving home. To attract customers on online deposits, banks charge a higher percentage (due to savings on paper contracts). To terminate the contract ahead of schedule, you will have to contact the financial institution. If the client has not applied for funds at the end of the contract, it is automatically extended. The main advantage is the money back guarantee. The possibility of concluding a transaction via the Internet is a new competitive advantage.

Private lending

In this case, the investor acts as a lender who lends funds to the borrower and receives a percentage fee for this. The level of profitability is regulated by the lender independently. Interest can be accrued even daily. The disadvantage of this method is the risk of running into an unscrupulous borrower. In this case, it is almost impossible to return the funds. Due to the lack of complete information about the borrower, his actual place of residence, it will not be possible to collect debts through the court. You can start working in this direction through the Webmoney loan exchange.

Investments via the Internet

You can buy a site that already earns good income from advertising, affiliate links, paid services. But to manage such an asset, special knowledge is needed. Otherwise, the site falls under the filter of the search engine and investments will be unprofitable.

An equally risky, but more interesting option is to invest in a startup. Developers of interesting projects usually do not have the funds to implement them. So they draw up a business plan and approach investors. The profitability of the project can reach hundreds of thousands of dollars, but the level of risks associated with such projects is high. According to statistics, 70% of such projects leave the market. Therefore, experienced investors finance several projects at once.

How much can I start investing

You can become an investor in the forex market with 100 rubles in your pocket. The main thing is to have a desire to receive additional income. Then it will be easier to set aside 10% of all income for investment. Gradually, creating savings will become a habit and there will be no desire to increase expenses with income growth.

In order to receive income from the stock market, it is more expedient to open an account with 30 thousand rubles. on hands. Where does this number come from?

The cost of a lot of securities costs an average of 1-5 thousand rubles. The basic principle of competent investment is to diversify investments, that is, purchase stocks and bonds of different companies. The initial deposit amount does not matter. You need to learn to observe this principle from the moment the first transaction is made.

Funds should be distributed between risky and risk-free securities. The majority of the investment portfolio is made up of fixed income bonds. The share of shares should be calculated so that fluctuations in quotations do not exceed the yield of bonds. This approach will allow you to create a portfolio in which the risks of losing funds are minimized.

Taking into account the described rules, the investor decides to buy 4 shares at 2 thousand rubles. The risky part of the portfolio is 8 thousand rubles. The share of bonds in the investment portfolio should exceed 70%, that is, another 27 thousand rubles. It is better to invest in the stock market with a capital of at least 35 thousand rubles.

Investing money with an investor

You can become a business owner without a large amount of capital. It is enough to find several investors who are ready to invest in the project and become a co-owner of the business (shareholder, shareholder, shareholder). The founders share profits and losses in proportion to their contribution to the capital of the enterprise. You can become a co-owner of a business by buying a stake in an LLC, shares in a company, or joining a mutual fund.

The right to receive part of the profit is not a guarantee of a return on investment. By acquiring a part of the business, the entrepreneur runs the risk that the invested amount may decrease significantly. The reasons can be different: mismanagement, market crisis or changes in market conditions. That is, equity participation in investments does not guarantee a return on funds. However, the profitability of such projects over certain periods of time can be two or three times the amount of the initial investment.

The largest companies in the world appeared precisely thanks to equity participation in business. In practice, a situation often arises when one investor contributes almost the entire amount, while the other simply manages the company. Since the financial result is divided between business participants, it is advisable to stipulate and fix the share participation of each of the partners in the contract.

No country in the world can produce absolutely all goods, and Russia is no exception. More than half of export earnings come from oil sales. For foreign currency, you can buy those goods that are not enough in our country. Companies purchase foreign currency for rubles in order to then import goods. The more foreign currency, the cheaper it is (the exchange rate of the ruble increases). And vice versa. Therefore, on the eve of the new year, when goods are sold in large quantities, including imported ones, the dollar and euro increase in value. At this time, the currency should be sold to those who bought it during the year.

Gold is a resource, the amount of which is limited in the world. In the long term, it makes sense to invest in this precious metal in the form of bullion. However, when selling them, you will have to pay VAT. Alternatively, you can issue a gold bank deposit or open a CHI. For short-term investments, it is better to buy gold futures.

Experts advise beginners to refrain from working with cryptocurrency. If it brings such a high income, then there is a risk of losing funds. Any national currency has a country, events in which affect its value. Virtual money does not have this characteristic. Therefore, investing in cryptocurrencies just because it is fashionable is not worth it.

How to save money from inflation

The growth of the foreign exchange rate in the pre-New Year period will be accompanied by a depreciation of the ruble. How to keep your savings?

Don't keep them at home. So that savings do not turn into "dead weight", you should open a bank deposit, preferably in several currencies at once. Unlike Europeans, 40% of Russians prefer to keep money at hand at home. Those who do not trust commercial banks should open a deposit in a state bank.

Buy imported goods. During the period of devaluation of the ruble, import goods rise in price first of all. If you have not yet decided on the object of investment, do not trust banks and do not want to lose the real value of your savings, buy what you have long wanted (car, washing machine, etc.).

Savings can be invested in precious metals. Indeed, during the crisis period, their value increases. It's not just about gold or silver bars. Today in banks you can buy rare and expensive coins made of platinum and palladium. Don't invest in jewelry. The share of precious metals in their alloy is very low. You can quickly sell them at the price of scrap.

Where not to invest

No matter what level of income the financial pyramids promise, it is impossible to invest in them.

In particular, HYIP funds that are popular today are an example of financial pyramids. Fraudsters attract naive investors with a beautiful site and the opportunity to get a large percentage income (50-250%) in a very short time (from one hour). The average life span of such funds is one day. Profit from HYIP is received only by their creators.

Much has been said in the past about investing in real estate and the stock market. In no case should you invest borrowed funds in these assets. And it's not about strategy or experience. From a psychological point of view, it is very difficult to make money on borrowed funds and no one succeeds. Such trade brings only a loss.

Buying real estate on credit in anticipation of a crisis is risky, if only because banks can raise interest rates on mortgages. The overpayment on the commission completely eliminates the difference in price. Such an investment brings only a loss. Investing in a car is not profitable under any circumstances. A vehicle that leaves the gates of the auto center immediately loses 30% of its value.

We hope this article was helpful to you. If you know other good options for where to invest money and make money from it, share your thoughts in the comments.

You go to work every morning, day after day, year after year. And your whole life is more like groundhog day. Every day is like the previous one. All your income received at work you safely spend on life. The result is a vicious circle. And what's next? you think. You need to change something in this life. One way to break the current situation is by investing.

After all, what is investment?

Investment is the investment of money today, with the aim of getting it tomorrow, but in a larger amount. Or getting a permanent passive income from once invested funds.

Of course, you won’t be able to find a large amount right away. Most investors start with very modest amounts, which they manage to put aside from their salary. The main thing here is constancy and time. Together with these parameters, any, even insignificant, capital can grow into a fairly decent amount, allowing its owner to receive a very good income that will exceed your current income. Please note that this will be a completely passive income, generated with little or no participation from you.

Beginning investors face many questions, the main of which is where to invest. Especially when it comes to a very small amount of money. It is the restriction on the amount of invested funds that makes its own adjustments to possible investments. But nevertheless, even with little money, there are many ways to earn and increase your hard-earned money.

6 ways to invest money for a beginner

Investing in bank deposits

Bank deposits or deposits are the simplest and most reliable type of investment. When you open a bank account, you will know in advance. how much income you will receive at the end of the term. And most importantly, GUARANTEED INCOME. Deposits are practically the only financial instrument, the yield on which is known in advance. Other investments do not carry such a guarantee. In them you can both earn and lose. Also, do not forget that the safety of deposits is guaranteed by the state (in the amount of 1.4 million rubles). If the amount exceeds this threshold, then it is better to open several deposits in different banks.

Bank deposits are used mainly as a means of initial accumulation of capital. When a certain level of funds in the account is reached, other investment opportunities become available to the investor. Why? The answer is quite simple - very low profitability. Typically, deposit rates are within the inflation rate. Therefore, getting rich on investments in deposits is unlikely to succeed.

Currency deposits

In the conditions of a difficult economic situation in the country, foreign currency deposits began to gain popularity again. The ruble is rapidly losing its positions in comparison with other financial payment systems. And in order to at least somehow preserve their savings, deposits in foreign currency are used. And although the yield on such deposits is quite modest, in the region of 2-5% per annum, real earnings can exceed the current yield by several times. Due to the weakening of the ruble and, accordingly, the strengthening of the currency.

It was foreign currency deposits that were the most profitable over the past 5 years, among the main types of investments. Those who opened similar deposits a few years ago have already earned more than 230% of profit. For comparison, simple ruble deposits over the same period showed a yield of 83%.

Investments in mutual funds

• the possibility of investing small amounts
• tax exemption
• no need to store at home, exposing the risk of theft
• can be bought and sold in parts, if necessary

Other possible ways of investing in gold (buying bullion, gold coins) just have the disadvantages that are the advantages of CHI.

Where to invest money to generate income?

This is the main question of interest to business people in Russia. Especially sharply began to rise in the framework of the economic crisis. The unstable economic situation in the country makes you think.

The instability in the financial market prompted citizens to think where to invest money in Russia, due to increased risks and lack of understanding of the ongoing changes.

Investing is dangerous, keeping is pointless

Precious metals (on the example of gold)

Bonds and stocks remain only securities» subject to temporary influence. Gold is the most stable currency among precious metals. For several centuries, this precious metal has only continued to increase its growth rate.

State banks support the value of this direction with gold reserves. Investor, invested in gold, sleeps peacefully, knowing that the price of it will only increase.

Precious metals have some features, suppose a person decided to invest in gold, went to a banking institution to buy a gold bar, in addition to the cost of the goods, an 18% tax will be imposed by the state. When selling an ingot, there is no taxation, but no one will return the percentage overpayment.

Investing in precious metals at the household level

Russians consider gold and silver jewelry as an investment. This is partly true, but the cost of the product includes the work of a master (jeweler). The second negative point is sales. When trying to sell jewelry, pawnshops accept it at the price of scrap significantly different from the cost of goods.

The acquisition of precious metals is a very profitable investment direction, you should take into account the minimum threshold of profitability - 3 years. Average income from gold +20% per annum.

Securities (bonds, shares)

Risk-averse people can afford to invest in bonds. A bond is a business issue, the instrument is designed to receive a fixed income after a certain period of time.

You should not expect big earnings on bonds, call them a profitable investment - you can’t turn your tongue, but how cash deposit mechanism, is worth considering.

Stock

One of the most profitable forms where you can now invest rubles is " Stock". Along with high profitability, it is associated with increased risks that depend on external influences.

A share is an equity security that gives the status of " co-owner of the company» allowing to count on a part of the profit of the organization. The connection is simple, the company develops and prospers, the package of securities grows in price, the co-owner receives part of the profit, if the company suffers losses, the owner also bears losses.

Work is carried out through brokers. More offers, allows you to independently choose stocks, work out strategies, and predict the behavior of indicators. Low threshold for entry, high probability rapid development constantly attracts new faces to the industry.

TOP 7 Where you should not invest cash

Fundamentals of investment business- acquisition of financial literacy. Keeping current projects under control, predicting market behavior, capturing the subtleties of the environment - these are the main components of a competent capital investor.

Financial pillow is an integral part of the investor

The term " financial cushion» - 6-month financial reserve, for pain-free living, without changes in the previous state of life. This condition must be met without taking into account other sources of income.

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Study investment activity without a certain cash reserve is unreasonable. The only exception is a deposit in a banking institution, which for the most part acts as an instrument for saving current savings.

In case of delays in the transfer, freezing of the project, risks associated with the complete or partial loss of allocated funds, there should be an airbag. This is not advice, this is a postulate!

Alexey, 32 years old, Krasnodar

Time goes by and money depreciates. I started looking for where to put them. First I opened an account and started trading on Forex. I came to the conclusion that this is not mine.

And here I did not lose. Look at the current rate! Cryptocurrency is the future, it is already accepted in stores.