Hello, dear readers of the "site"! In this article, you will learn where it is profitable to invest money so that you can receive monthly income, what ways to invest money are possible at a high interest rate with a guarantee, and how best to invest in order for them to work and bring profit to the investor.

This article is written based on the analysis of the experience of well-known investors, financial consultants, as well as the realities of the modern economy. Plus, the basic principles of investing, possible risks, advantages and disadvantages of each investment strategy are given.

About where you can profitably invest your money in order to receive a monthly income and what options for investing money at a high interest rate with a guarantee exist - read the website in the magazine

In this section, we will talk about the do's and don'ts for young investors taking their first steps in investing. Consider the rules of effective investment, which will allow you to receive a higher return than in a bank, but at the same time almost the same reliability. Why almost? Yes, because The main rule of the investor is :

The risks that an investor is willing to take on are proportional to the potential profit.

You probably can't wait to get started? Do you want us to reveal the secrets of where it is profitable to invest in 2020 year at interest to quickly earn even more?

Let's disappoint you a bit. The first thing a young, fledgling investor should start with – investing in yourself, in your knowledge and skills . Believe me, the return on this investment will surprise you!

And only then, when you already understand how a share differs from a bond, what is the capitalization of a deposit, who are brokers and traders, it will be possible to move on to practice.

📝 Read also our article about and how to become a successful investor from scratch.

2. 5 golden rules for investing money

Rule 1: Create an airbag

You should not start risky or not very financial transactions without having a reserve for rainy day.

• How much should you have in stock? According to experts, this should be an amount that will cover your expenses for six months;
• ? Save from wages or other sources of income;
• How to calculate the size of the financial reserve? Calculate your monthly expenses. For example, you got 40 000 rubles. Multiply by 6 months, we get 240 000 rubles.

This is the reserve that you will not use when investing. In order to make the first investment, you will need to save a little more.

So it's going to be forever! you say. It can be faster if you have in addition to your salary passive income , that is, the monetary resources that you receive without putting much effort into it ( rental of real estate, interest on a bank deposit etc.).

👉 In this way, if you put a financial reserve on a deposit in a bank, then you will kill two birds with one stone. Create a reserve and begin to receive passive income.

Rule 2 Don't Put All Your Eggs in One Basket

Please note that you can trade directly in currencies, stocks and cryptocurrencies on the exchange. The main thing is to choose a reliable broker. One of the best is this brokerage company .

To avoid the need to use a financial reserve, you need to correctly distribute your funds in investments. You should not immediately invest all your free money in instruments that promise high returns. The risks that you will lose everything to the penny are too great.

You wouldn't put a hundred fragile eggs in one basket, would you? The likelihood that you will drop it 50 /50 . And the risk that all the eggs will break after the fall is already much greater. This can happen with your funds if you decide to invest them all at once. only into one project.

Also, if you allocate your money to different banks, the same thing can happen. Better diversify investments, i.e. invest in different areas. Not only in banking, but also in oil, gas, information, production, etc. In the language of professionals, this is called an investment portfolio.

Investment portfolio- these are several investment instruments combined together, differing in the degree of risk and profitability.

Depending on the chosen investment strategy, there are 3 types of investment portfolios:

• Aggressive the portfolio consists mainly of high-risk assets;
• Passive the portfolio is formed mainly from bank deposits;
• Moderate portfolio includes both.

Rule 3. Assess the risks in advance

Before calculating potential profit and thinking about where you will spend it, evaluate your possible risks and losses.
Do not immediately form an aggressive portfolio. You risk losing everything!

Start small. From the amount that you are internally ready to lose (after all, there is always a risk). And gradually build up.

Take note! In no case should you use money received on credit from a bank or borrowed from friends or relatives for investments. You risk running into debt collectors and losing the trust and respect of your loved ones.

Rule 4. Choose collective investment

You don't have to invest alone. As your experience grows, you can invest in large projects by attracting co-investors. This will allow you to distribute the risks to everyone. And profit, too.

For example, if you have in mind some attractive investment project, but you do not have enough funds for it, then you can invite someone else to participate in it. You will definitely find someone who is willing to work with you. on mutually beneficial terms.

If you are not ready to manage your investment instruments yourself, you can use trustee services . This is the company that will manage your funds in accordance with the investment strategy you have chosen. She can use these funds to make a profit, but she cannot dispose of them on the right of ownership. The trustee receives a certain remuneration for his work.

When transferring funds to trust management arrived and losses distributed among investors in proportion to their contributions .

Rule 5. Generate passive income

Investment and growth of your capital is great. But do not forget that investments are always risky. Today you have income, and tomorrow you can lose it along with the invested capital. Alas, these are the realities of the modern economy.

10 profitable ways to invest money so that they work and bring monthly income

4. Where can you invest money so that it works and generates income - TOP 10 profitable ways to invest

Today you can meet a lot of financial scammers who promise easy money, high profitability in a short time. They have nothing to do with real investments.

Therefore, we will consider time-tested investment tools that allow you to get a return on invested funds, taking into account reasonable risks. So, Where is the best place to invest money to get monthly income?

Method 1. Bank deposit

A bank deposit is one of the most common investment instruments. True, the profitability of such an instrument rarely covers annual inflation in the country. Therefore, a bank deposit can be attributed more quickly to ways to save rather than increasing your capital.

Bank deposit - the most popular and easiest way to invest money at interest

Low ↓ return on investment is an honest payment for your peace of mind, because banking the risks are also small ↓.

And if the amount of your contribution does not exceed 1 400 000 rubles, then you don’t have to worry about anything at all. In accordance with current legislation, in the event of a bank failure, the state will return all your money to you.

At the moment, the profitability of bank deposits fluctuates within 7 -10% , which is a couple of percent below inflation. About that, in the economy, we wrote in a previous article.

The most popular bank among the population is Sberbank , despite the fact that the interest on deposits in it is below the market average. The reliability of the bank, and not the potential profit on the deposit, is of decisive importance for many.

The pros (+) of bank deposits are as follows:

• low risks, deposit insurance;
• the ability to return the money at any time (sometimes even without loss of interest);
• availability (you can start with a small amount, for example in 1 000 rubles).

The minuses (-) include:

• income on the deposit at best covers inflation;
• in most banks, when the deposit is closed early, interest is lost.

Method 2. Securities

Securities, unlike bank deposits, usually bring higher profitability . You can try to invest in stocks or other financial instruments on the securities market, provided that you are ready to take on higher risks . That's right, there is a detailed article on the site.

Investing in securities (stocks, bonds)

Securities are of different types. Consider the most popular: shares and bonds.

Stock is a security that confirms your share in the company and gives you the right to vote.

Promotions are ordinary and privileged . The latter have higher percentages, but there is no opportunity to vote at the general meeting of shareholders. We wrote more about what types of shares there are in one of our articles.

Bond is a security that confirms that you have borrowed a certain amount of money from the company that issued it.

Unlike a share, it has a certain period of validity, after which it is subject to redemption. You can own shares for life and receive dividends.

Dividend is the return on a share paid as a percentage of the face value of the security.

In addition, inflation annually "eats" a certain part of the money. Therefore, investing in foreign currency for several years is not very effective. .

You can buy and sell currency on a special market called (from English foreign exchange – foreign exchange). In Forex, you can buy and sell almost any freely exchangeable currency. You can buy Chinese Yuan for Japanese Yen, Canadian Dollar for Euro, etc.

Forex work traders who buy and sell currencies throughout the day. Anyone (with the help of a broker) can buy and sell any currency in Forex. We recommend working only with trusted brokerage companies. Many successful traders trade through this broker.

Many companies offer to teach the skill of working in the foreign exchange market. They lure potential investors with high returns. It is worth being vigilant and remember the main rule of investing: high returns are associated with high risks!

Yes, in Forex you can increase your capital in a few months. But the risks of losing everything are very high. According to statistics 80 % of beginners lose their invested funds in the first month of working on Forex. Therefore, before you decide, carefully weigh everything!

Advantages (+) of working in the foreign exchange market:

• minimum initial capital requirements ( from 100 dollars );
• profitability is higher than the market average;
• variety of investment instruments (foreign currencies).

Cons (-) Forex:

• you need to have special skills and knowledge for investing;
• significantly high risks.

If you want to learn more about how to lead, read our article.

Method 4. Real estate

This is the second most popular strategy after a bank deposit and a good option for those who are thinking about where to invest in 2020 year to earn. Real estate investment no less reliable than investments in a bank. The difference is that a much larger size is required. initial capital.

Investments in real estate

Thanks to mortgage programs banks, you do not need to save the entire amount to purchase the property of interest. Usually , enough 20 -30 % from the original cost. However, buying an apartment or house on a mortgage and repaying it within 20 -30 years at the expense of salary is not the best option for an investor.

We need to make sure that this real estate brought you passive income and covered mortgage payments.

To do this, you can use the following measures:

• rent out;
• if you bought a new building at the construction stage, sell it when the apartment is ready, at a higher price;
• make several studios out of a two-three-room apartment and rent them out as independent apartments.

Such an investment strategy requires more time and knowledge, but its profitability is also different.

Pros (+) of investing in real estate:

• the ability to receive passive income through rental payments;
• the opportunity to earn on the resale of an apartment at a higher price (read about that in our article);
• safety and passive increase of capital (real estate, unlike other investment objects, grows in price in the long term).

The disadvantages (-) of this method include:

• high requirements for start-up capital ( from 300 -500 000 rubles);
• difficult to sell quickly if you need to return the money;
• physically obsolete wear, floods, fires).

Method 5. Own business

This strategy is suitable for those who are not afraid to take risks, are ready to make decisions and take responsibility for them.

Creating your own business

When deciding to open your own business, you must:

• correctly assess all risks at the initial stage;
• calculate financial indicators ( payback period, required investment volume, sales plans, production cost or ulugi).

If you have an entrepreneurial spirit and some commercial experience, then you can easily cope with this.

Pros (+) of starting your own business:

• you are your own boss (you independently determine what and how to do);
• opportunity to attract co-investors ( crowdfunding campaigns, venture funds, other businessmen);
• it is not necessary to have the entire amount available to open a business (you can use bank loans).

Cons (-) of investing in your own business can be called:

• high risk of losing everything;
• it is difficult to quickly return the invested funds;
• if you attract co-investors, you can lose control of the company.

Method 6. Precious metals

Many consider investing in precious metals the most conservative option. Purchasing gold has been a serious profit for a huge number of years.

Worth considering! Precious metals are not subject to physical deterioration, while their stocks are limited. That is why the cost of gold, silver, platinum and palladium is constantly growing.

There are several options for investing in precious metals:

1. Purchase of ingots. In this case, the investor must remember that such transactions are subject to tax, whose size is 18 % . Moreover, for ingots, when they are purchased, it is obligatory issued certificate. This investment must be made for the long term. It is important to ensure a profit in an amount exceeding the amount of tax paid;
2. Purchase of coins from precious metals. Coins are not taxed. Moreover, some of them also have collectible value. But it should be understood that it is possible to get a serious profit from coins only a few years after their purchase;
3. Opening of metal accounts. A deposit in precious metals is suitable for those investors who want to invest for a short period of time. Since in this case there is no need to buy precious metals, there is no taxation. This option is one of the easiest and safest.. The investor goes to the bank, which recalculates the deposited amount in grams of the precious metal. After a certain period of time, the depositor closes the deposit, receiving the current value of the metals placed on it;
4. Purchase of securities of gold mining companies. To do this, you will have to become a member. The value of securities does not always increase quickly. Therefore, they should be purchased for the long term.

Method 7. Antiques and works of art

Often, antiques, works of art, and collectibles are called the currency of the rich. If there is a large enough amount for investment, experts recommend paying attention to investing in such property.

By choosing this method, important to remember, what such investments are made only for the long term. In this case, it is better not to count on serious profit even after a year.

However, after a few years, there may be a serious jump in the value of the acquired property. So, some paintings by famous artists at the time of their writing cost literally a few hundred dollars, after ten years - tens of thousands, and after fifty - millions.

For the purpose of investment, you can purchase the following antiques:

• antique furniture;
• books;
• icons;
• ancient coins;
• porcelain;
• dishes.

It is important to understand that these items must be old. In art history, these are things made over 50 years ago . Some of these items may be of historical value and are protected by the state.

Investing in antiques requires a lot of money. Even 500 000 rubles for this type of investment is considered a small amount. However, you can start small. So, for example, Tretyakov I managed to collect my collection, starting with just a few paintings.

It should be understood that for the acquisition of really valuable things it is required to be an art historian yourself, or to have such an acquaintance. Without the appropriate education, it is almost impossible to understand which items are of real value.

Of course, you can use the services of a consultant. However, this requires additional financial investments. Do not forget that any art critic can only assess the current value of the subject, and not its potential profitability. You should contact specialists who understand not only art, but also investment.

Method 8. Franchising

Those who have a capital of half a million rubles or more can create their own business by purchasing franchise . In this case, the activity is carried out according to the scheme worked out by the seller. We wrote about that in detail in a separate article.

Starting a franchise business

It is important to understand that franchising cannot become passive income. The amount of profit depends primarily on the activity of the businessman.

However, the franchise helps save time, money and effort. This is achieved due to the fact that marketing schemes, all processes in such a business have been worked out.

Franchise benefits include:

• relatively short payback period from half a year to a year;
• brand awareness ensures the presence of a customer base no additional ads, franchised goods and services already have their customers;
• the franchisor constantly supports the businessman;
• the level of competition is minimal, since the franchise provides for a specific number of projects in a certain territory.

However, the business based on franchising has serious limitations . The main one is that by acquiring a franchise, businessman is limited in his actions. He is tied to the developed system and has no right to change the algorithm of actions without coordinating them with the franchisor.

Method 9. Binary options

Experts claim that binary options are the fastest way to generate income from investments. The basis of this option is the ability to take risks, as well as analyze the economic situation in detail.

The task of an investor who has chosen binary options is to correctly predict the value of an asset in use over a certain period of time.

After a specified period, the result is evaluated.

• If the assumption is correct, the investor will receive profit . It may be approx. 80 % rate;
• However, the forecast may not be confirmed and the price will go in the opposite direction. In this case, the account will be fixed lesion up to 100 % rate.

At first glance, it seems to many that making money on binary options is the same as playing roulette. However, it is not. A more thorough study of the work on binary options allows you to increase the accuracy of forecasts, and therefore increase your profits.

There are a number of advantages of the investment method under consideration:

1. A large number of trading instruments to choose from. Even a novice investor will be able to work with both currency pairs, so with shares, oil and precious metals;
2. The amount of profit, as well as the level of possible loss, are predetermined. Moreover, some trading platforms allow you to independently determine the ratio of profit and loss;
3. The marketplace can be accessed at any time from any device. There is no need to install additional software for this. To start the analysis, it is enough go to the broker's website;
4. Binary options trading is carried out around the clock without days off. Therefore, an investor can earn at any free time;
5. The trading interface is intuitive even for novice investors. In this case, only the final result of the asset value is reflected, intermediate prices are not shown to the user.

There are 2 options for earning on options:

• call up represents a deal to buy . It should be used if prices are expected to rise. If the value of assets decreases, there will be a loss.
• put down - this is sale deal , the profit will be received in the event of a decrease in the value of the asset.

Despite the large number of advantages, binary options trading also has disadvantages:

1. A single wrong trade can result in losses of about 90 % invested funds. To return them, you will need at least three profitable trades;
2. When trading binary options, it is impossible to refuse a transaction or close it before it ends. Even in those cases when the investor realizes that he made a mistake, he has no choice but to wait for the option to expire;
3. Unlike forex, there are no credit obligations here. It turns out that the investor has the opportunity to trade only those funds that he has available.

Binary options allow you not only to save your own funds from the harmful effects of inflation and devaluation, but also to increase them. To do this, it is important to carefully study the market, as well as make the right choice in favor of one of the brokers.

Method 10. Internet projects

The development of modern technologies has led to the fact that the popularity of investing through the Internet has increased significantly.

There are several directions for investments that are suitable for both a novice investor and an experienced one:

1. Investments in startups, which are special Internet resources created for the purpose of development or their subsequent sale. The owner of the funds must understand all the details of the project and carefully control the execution of the work. The amount of funds that the investor will receive is determined primarily by the degree of development of the resource, as well as its attractiveness for future buyers.
2. Invest in your own website. A successful online resource can become the basis of a business and bring regular income. This approach allows you to start your own business even with a small amount of money. At the same time, there are no expenses for renting commercial real estate, staff salaries. It is possible to offer a product or service to a wide audience. Investments in such a business are less risky, but the amount of profit in any case is determined by the efforts of the entrepreneur.
3. Investing in online projects that seem to be the most profitable for the investor. You can choose effective Internet projects on specialized online resources. The investor thus acquires a part of the business. Subsequently, he is entitled to a percentage of the profits or resale of the share. Relations between the owner of the project and the investor are regulated by a special type of agreement. However, it is worth considering, how to predict efficiency almost impossible. There are serious risks of such investments associated with the unpredictability of market behavior.

When choosing an investment method, it is important to conduct a qualitative analysis. This is the only way to understand the potential profits and risks of the project.

The surest way to invest money at a high interest rate with a guarantee is a bank. And in which bank is it better to invest capital at interest with monthly income - see below in our review

5. Where is it better to invest money at a high interest rate with a risk-free guarantee - an overview of the TOP-5 banks

You can get a guarantee of income, as well as ensure the safety of funds by investing them in a bank.

Important! At the same time, it is worth choosing such credit institutions that participate in the deposit insurance system and have a high-quality reputation.

In addition, you should study and compare the conditions for deposits in different banks.

In which bank is it better to invest money at interest in 2020?

So let's take a look, in which bank it is profitable to invest money at a high interest rate with a guarantee (with a monthly income). In order not to waste time analyzing a large number of banks, you can use the ratings of specialists. Example list of the best banks for investment presented below.

1) Tinkoff Bank

Tinkoff is a unique Russian bank. It does not have a single branch throughout the country. Customer service is carried out completely remotely.

Here you can open a deposit at a rate up to 7% per annum . The payment is made monthly. In this case, the amount of the deposit must be not less 50 000 rubles.

The depositor has the right to choose the method of paying interest:

• capitalization;
• transfer to a separate card account.

The agreement provides for the possibility of replenishment, as well as partial withdrawal of funds.

2) Sovcombank

Sovcombank has extensive experience in the Russian financial market - it was founded in 1990 year. Today it is one of the twenty largest banks in our country.

A credit institution offers customers to open a deposit at interest up to 7.6% per annum . The minimum amount for this is 30 000 rubles.

Interest is paid at the end of the contract term. Besides, early termination interest per 3 months, half a year and full number of years are saved. The deposit can be replenished, but partial withdrawal is not provided.

3) UniCredit Bank

UniCredit Bank is a credit institution based in Europe. This bank came to Russia over a quarter of a century ago. Today it is the largest credit organization in our country with foreign capital.

Rates on deposits depend on the term, method of interest calculation, amount. Opening a deposit in rubles , available before 8,35 % per annum, in dollars – before 3,23 % , In Euro – before 0,20 % .

In this case, there are 2 options for calculating interest:

1. with a monthly payment;
2. with capitalization.

For the convenience of choosing a deposit, you can use the calculator posted on the bank's website.

4) Ural Bank for Reconstruction and Development

UBRD is one of the leaders in the Russian banking sector. The credit institution has a wide branch network, which includes more 1 500 branches throughout the country.

Here you can invest at a rate up to 11% per annum . Interest is charged every 50 days. In this case, income can be capitalized or received.

For those who open a deposit in online mode , UBRD increases the rate by 1 %. Moreover, the bank connects depositors to the Internet banking system for free.

5) Absolut Bank

Absolut Bank operates on the Russian financial market with 1993 of the year. During this time, the credit institution has won recognition not only from customers, but also from world rating agencies.

Clients can receive income on funds invested in this bank in the amount of up to 8.5% per annum . The deposit amount must be at least 30 000 rubles. Interest on this offer is paid only at the end of the contract. Replenishment, as well as partial withdrawal are not provided.

For ease of comparison, the main conditions of the above deposits are shown in the table.

Table "Banks with the best conditions for deposits, the main parameters of deposits":

Credit organisation	Deposit rate	Basic conditions
1. Tinkoff Bank	Before 7 % per annum	The depositor chooses to capitalize interest or receive monthly on the card You can replenish and partially withdraw the amount of the deposit
2. Sovcombank	Before 7,6 % per annum	Interest payment at the end of the term Possibility of replenishment, partial withdrawal is not provided
3. UniCredit Bank	Before 8,35 % per annum	Calculation of interest monthly - at the choice of the investor by capitalization or payment
4. Ural Bank for Reconstruction and Development	Before 11 % per annum	Capitalization or interest payment When ordering online, the rate increases by 1 %
5. Absolut Bank	Before 8,5 % per annum	Interest is paid at the end of the contract Replenishment and partial withdrawal are not provided

4 current options for investing money today at high interest rates

6. Where it is profitable to invest money in 2020 at interest - 4 best ways today

Bring low income. There are ways to invest that allow you to get much big profit.

Choosing the best option don't forget what As income increases, so does the risk of losing the investment.

Let's take a closer look below main ways of investing for the purpose of generating income.

Method 1. Promising startups

Investing in startups attracts investors because the potential income in this way is unlimited. On the Internet, there are a huge number of projects in which you can invest. To search for them, you can use specialized sites.

When choosing, it is important to conduct a thorough analysis and comparison of a large number of projects. It should be remembered that some of them bring profit for several years. Other projects turn out to be unpromising and entail only losses.

Method 2. Private lending (P2P lending)

Private lending has recently become more widespread and developed. This option involves the issuance of a loan by one individual to another. Using this method, it is important not only to draw up the contract as competently as possible, but also to conduct a thorough analysis of the potential borrower.

Explicit advantage private lending advocates high level of profitability . By lending funds even for a short period, you can ensure profitability before 50 % per annum.

However, there is also a significant flaw – high profits come with serious risks. There is a possibility that the loaned funds will not be returned. It is impossible to guarantee the honesty of the borrower even in the case of a thorough study of its characteristics.

Method 3. PAMM accounts

By investing in PAMM accounts, the owner of funds transfers them to trust management professionals. When receiving money, the manager puts it into circulation and does everything to get the maximum profit.

The investor can only wait until the experts distribute his funds between exchange-traded and other promising assets in order to generate income.

In this way, PAMM accounts are one of the types of passive income. At the same time, the risks of such investments are relatively low.

In order to independently profit from trading on the stock exchange, not only money is required, but also specialized knowledge. At the same time, to invest in PAMM accounts, it is enough to find a company that provides sufficient profitability and transfer funds to its management.

The profitability of such investments is determined primarily by the correct choice of the manager. This process requires a significant amount of time, as well as additional knowledge.

Method 4. Mutual investment funds (mutual investment funds)

mutual funds essentially represent collective investment management funds. The property of such a fund is divided into parts, which are called share . We wrote more about (mutual investment funds) and how they work in a previous article.

The high liquidity of investments in mutual funds is achieved due to the fact that the units are traded on the market. At the same time, the activity of funds is regulated by law.. The relationship between shareholders and the mutual fund is determined by the relevant documents.

An investor buys shares when he expects their value to rise. Once the price reaches the expected value, the profit can be fixed by selling it.

When choosing a mutual fund for investment, it is important to consider its type. You can sell a share at any time only if open fund. From interval mutual fund you can leave only at predetermined intervals, and from closed- upon completion of his work.

It is impossible to determine in advance what profitability the fund will show based on the results of its work. Profits can reach 50 % per annum, which exceeds the deposit rate by about 6 once. However, the market average is about 20 % .

It happens that funds show losses. But do not be afraid that managers will always give negative returns. The amount of their commission depends on the amount of profitability . Therefore, they make every effort to obtain maximum profitability.

Among the advantages of mutual funds are the following:

• availability. This type of investment is available to everyone, since it is enough to start investing 1 000 rubles;
• high level of liquidity;
• PIF activities are regulated by law and is under the control of the state;
• professional money management.

However, mutual funds also have limitations . The most important of them is no guaranteed profit .

It should be borne in mind that some managers receive income even in cases where their work does not bring profit. That is why some funds in the course of their work show zero profitability, and sometimes loss.

There are many types of mutual funds available. However, regardless of the choice of the type of mutual funds, experts recommend investing in them only if long-term investments are planned.

It is important to carefully read the advantages and disadvantages of various types of investments in order to choose the best option for yourself.

7. Where not to invest your money - unsuccessful investment strategies

Many people want to make quick money without realizing that too high returns are associated with high risks.

Financial pyramid is a deliberately unprofitable organization that pays income to investors by attracting funds from new investors.

Ponzi schemes were very popular in 90 years in our country. I think everyone has heard about Sergei Mavrodi and his MMM .

But do not think that all these fraudulent organizations have sunk into oblivion. Every year, thousands of gullible investors suffer from the actions, or rather, the collapse of such pyramids. How not to fall into the financial pyramid?

Let's highlight the main features of a fraudulent scheme:

• Too high return 30 % and higher);
• Aggressive advertising;
• Lack of real activity (does not produce or sell anything);
• The legal address of the company is located outside the country (offshore). we wrote in a separate article.

8. Answers to frequently asked questions

The topic of investing in order to generate income is quite extensive. In the process of studying it, a huge number of questions arise. Today we will answer the most popular of them.

Question 1. Is it possible to invest money at 50 percent for 24 hours?

Today on the Internet you can find a huge number of proposals for investing money for a day. However, not everyone knows how real it is.

Earn in such a short period of time allow investment programs of microloan services. This option allows you to invest just for a day, counting on profitability minimum 8%.

Services that issue microloans allow you to replenish your account in a short period of time and start earning, minimizing the risks of losing funds.

The main advantages of this option are:

• high profitability;
• the opportunity to participate in the investment program with minimal investment;
• comfort of transactions;
• ease of withdrawal.

In addition, before investing money in a microfinance company, you should carefully study its reputation.

Question 2. Where to invest money (rubles) so as not to lose them?

We answer the popular question, where to invest money (in rubles or other currency) so as not to lose it

Keeping funds in rubles is not reliable. This is especially true in times of economic instability. The presence in our country of a sufficiently high level of inflation, as well as devaluation, leads to the fact that simple storage of money in rubles becomes quite unprofitable.

For those who have financial savings, experts recommend investing them. This method of managing funds is more progressive and profitable.

You don't have to be a financial analyst to understand the effects of inflation and devaluation. It is enough to compare prices for certain goods and services over a long period of time.

There are several reasons for the depreciation of the ruble:

1. decrease↓ prices for raw materials negatively affects the purchasing power of the Russian currency, as it is clearly linked to oil prices;
2. sanctions of foreign states significantly aggravate the position of the ruble against other currencies.

The described situations lead to the fact that the simple storage of rubles will lead to the loss of part of the funds. This is especially true for large sums of money. In fact, the nominal amount of capital does not change, however decreasing ↓ purchasing power of assets.

Proper investment will help the investor:

• eliminate the impairment of the amount available;
• with a successful combination of circumstances, and completely increase capital;
• partially insure against serious economic shocks that are possible in the future.

The profitability of an investment depends on a huge number of factors. First of all, this concerns the size of the amount available. However, regardless of the amount of capital, investment is a better solution than conventional storage. .

Investing always comes with the risk of losing money. However, if the investment is successful, you can ensure a stable passive income, as well as financial security.

Novice investors often face a number of mistakes that can increase riskiness:

• making decisions about investing on emotions;
• lack of thorough analysis;
• low level of financial knowledge, as well as unwillingness to learn.

Question 3. Where can I invest 100 thousand rubles so that they generate income?

Some people think that you need to have several million to make a successful investment. However, this is fundamentally wrong. Quite successful investments can be made even if there are several thousand, therefore 100 000 rubles and are an excellent amount to start investing.

If it is possible to allocate capital at least in 3 -x investment areas, you can count on serious insurance against various force majeure circumstances.

In the modern economy, it is better to use the following investment methods, which are quite reliable and promising:

• investing in Internet projects such as websites, blogs, online stores;
• bank deposits;
• investing in innovation, as well as promising start-ups;
• investment in art;
• purchase of precious metals;
• investments in securities;
• acquisition .

Proper investment allows, having 100 000 rubles, to provide additional income.

If you have a larger amount, for example, a million or more, then we recommend watching the video below:

• • 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 jokes about “greedy” millionaires walking around in torn socks, saving up 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 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).

Flaws (- ):

• 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 feedback, 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.

Flaws (- ):

• 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 towards 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 cashbury situation has divided the lives of many people into before and after. Therefore, today we will talk about where to invest without risk with a yield of 23-75% per annum. I will tell you about the methods known to me and supplement them with modern and more profitable ones from my point of view.

• Conclusions.

Looking for 100% reliable sources of investment, you need to understand that the less risk, the lower the level of return on investment.

The most risk-free and reliable ways to invest money are:

1. Purchase of federal loan bonds for the population (OFZ) issued by the state.

Security 99.9% due to the low level of Russia's public debt to GDP compared to the crisis of the 90s.

Deposit amount from 30,000 rubles. One bond costs 1000 rubles, to open an account you need to purchase at least 30 bonds.

The term of the deposit is 3 years. Early refunds available up to 12 months. with the loss of all profitability, later than 1 year with the preservation of already paid income. After 3 years, the amount is returned.

Pros:

• Ease of investment. You can buy OFZ for the population at Sberbank and VTB24 on the same day
• The state guarantees the return of funds
• Affordable amount for novice investors
• Income received from federal loan bonds to the public is not taxed
• Higher returns than most bank deposits
• Payment of income every 6 months.
• OFZ can be inherited

Minuses:

• Low yield up to 10% per annum
• Payment of bank commissions 1% upon registration
• Loss of income during early withdrawal of money up to 1 year

You can increase the yield by 13% from investing in OFZ by purchasing corporate bonds on the stock exchange and opening an Individual Investment Account (IIA) with a Russian broker.

In this case, the tax office in accordance with Art. 219.1 of the Tax Code of the Russian Federation will return 13% of the personal income tax deducted by the employer from your salary, but not more than 52,000 rubles. in year. Those. it makes sense to deposit no more than 400,000 rubles to an individual investment account. per year and have a net salary of more than 33,000 rubles / month. The investment deduction can be received every year for 3 years from the date of opening the account.

At the same time, a personal income tax refund can be received simply for the fact that the money is in the account, i.e. You don't even have to buy bonds. But if you close the IIS before the end of 3 years, the amount of the deduction will be deducted from you when the money is issued.

Thus, by combining investments in federal loan bonds on the stock exchange and deductions from IIA, it is possible to bring the yield up to 20.45-27% per annum with a minimum of risks. At the moment, this is one of the simplest and most effective ways to invest money without risk.

The main thing is to choose reliable brokers, because. such accounts are not insured by the state. For example, you can open an IIS at Sberbank or VTB24.

If you are an individual entrepreneur or an organization, then a deduction has been provided for you in the form of exemption from paying tax on income received in the form of positive financial results when trading on the stock exchange.

1. Bank deposits

Bank deposits are now classified as risk-free investments of money, because. deposits up to 1,400,000 rubles. are insured. But not all. Therefore, when opening always check whether the deposits of the bank you are interested in are insured. This can be done on the website of the deposit insurance agency in the section "Deposit insurance" - "Member banks". The same site indicates how to receive a refund in case of termination of the bank's activities.

The main advantages of bank deposits:

• You can put money on a deposit from 3000 rubles, i.e. available to everyone.
• Convenience of opening in any bank on the same day or online
• Possibility of quick early refund
• Safety of invested funds

To select a bank and a deposit with the most favorable conditions, type in the search engine "Open a deposit (your city)" and go to the bank's website. It has a convenient deposit search system, you can set parameters for the amount, partial withdrawal and replenishment, interest capitalization.

Of the minuses of bank deposits, I note:

• Often banks have problems with license revocation, so it is better to choose large and reputable banks.
• Low rate of return

There are several ways to increase the yield on bank deposits:

• Open deposits online.

Almost all banks can now open a deposit online via the Internet, while the interest rate on the deposit will be 0.25-0.75% higher.

• Pay attention to interest capitalization.

For comparison, Renaissance Bank offers deposits: Without Borders online with a yield of 6% per annum and monthly capitalization of accrued% and Renaissance profitable online with a yield of 8% and payment of principal and interest at the end of the term, without capitalization and replenishment.

initial amount	Deposit term	8,25%	6,00%
100000	1	687,50	500,00
	2	687,50	1002,50
	3	687,50	1007,51
	4	687,50	1012,55
	5	687,50	1017,61
	6	687,50	1022,70
	7	687,50	1027,81
	8	687,50	1032,95
	9	687,50	1038,12
	10	687,50	1043,31
	11	687,50	1048,53
	12	687,50	1053,77
	13	687,50	1059,04
	14	687,50	1064,33
	15	687,50	1069,65
	16	687,50	1075,00
	17	687,50	1080,38
	18	687,50	1085,78
Total accrued % for the entire term		12375,00	18241,54
The difference between the accrued %			5866,54

The table shows that the longer the term of the deposit, the more profitable the tariff with capitalization. The difference for 18 months was about 6,000 rubles.

• Part of the capital (30-40%) put on a foreign currency deposit.

The rate on them is several times lower and rarely reaches 5%, but this way you will win much more or insure yourself in case of a significant fall in the national currency.

• Use "cascading" distribution of deposits to make the most of your capital.

This means that you open multiple deposits:

• The first deposit is opened at the most favorable interest for 3 years with the possibility of replenishment.
• The second deposit is opened for 1.5-2 years with the same conditions.
• The third one opens for 6-12 months. at the highest% with loyal withdrawal conditions in case of force majeure.

The bottom line is this: banks are interested in raising money for as long as possible. Therefore, for deposits opened for several years, the interest is higher.

With the help of this system, you fix the maximum interest on your deposit for 3 years, putting there the money that you want to save and increase. A deposit for 1.5-2 years forms your "airbag". The third deposit is formed through the use of credit cards. Those. you order several credit cards with a grace period, generally from 55 to 120 days. You use credit cards to pay current expenses, and put the earned money in the bank at interest. The main thing is to make sure that there are no delays in payments. Under unforeseen circumstances, money from the 3rd deposit can be withdrawn to solve current problems, while maintaining high interest on other deposits.

By investing in this way, bank deposits stop being just a way to save money from the current inflation rate and start working for you. Therefore, deposits fit perfectly into the list of ideas where you can invest money without risk with good interest.

1. Real estate investment

Investing in real estate from time immemorial was considered the most reliable and stable way of investing until recently.

Currently, in order to invest in real estate successfully and without risks, it is necessary to take into account trends and changes in legislation. That's why when investing in real estate in the second half of 2018-2019. pay attention to the following:

• Taking into account the reduced interest on mortgages when purchasing new housing, the possibility of paying part of the cost with maternity capital and the high growth rates of housing under construction, the demand for secondary housing has been falling for more than a year.

That's why it makes sense to invest in secondary housing, subject to a good deal at a low price, for example, an urgent sale, the poor condition of the object, falling under dilapidated housing with resettlement in the coming years, or a favorable location.

• There is a steady increase in demand for smaller apartments and studios, which are therefore more affordable. Therefore, it makes sense to invest in such facilities.
• Demand and housing prices vary greatly from region to region. Rising prices are noted in cities where the pace of construction has noticeably decreased (Nizhny Novgorod, Vladivostok), in tourist resorts (Sochi, Gelendzhik). Housing prices are also rising in cities with a growing flow of migration, such as Krasnodar, Tyumen, Kaliningrad, St. Petersburg.

But in Moscow, prices for new buildings, due to the high pace of construction and unsold apartments in already commissioned houses, began to decline, although not significantly.

• July 2018 amendments and additions were made to Law No. 214-FZ “On participation in the shared construction of apartment buildings and other real estate objects”.

In particular, they tightened the requirements for developers when they use the money of equity holders in construction. According to experts, this will lead to an increase in the costs of developers, which will lead to higher prices for housing under construction. It will not be profitable for many developers to sell housing at the “excavation” stage, which will also affect the value of real estate.

• In general, real estate prices depend on factors such as infrastructure development, inflation, demand and mortgage rates. According to official data, real estate prices will grow by 6-7% per year, and in Moscow by 20% in the next 2 years. So, according to experts, until mid-2019. real estate at the stage of "excavation" in regions with an increased demand for housing will represent the greatest prospects.

1. Investing in Structured Programs

Structured broker programs are the fourth reliable way to invest money without risk. At the moment, such large Russian brokers as BCS, Otkritie, Finam, Sberbank have developed structured products to raise money.

The bottom line is this: you collect your individual investment product based on the assets of the protective (risk-free) part and the profitable part (in which you can both lose part of the money and get a greater profitability).

The protective component consists of investments in deposits, bonds, bills, real estate, precious metals and other sources subject to minimal risk of loss.

The profitable part is investments in stocks, trading in the forex market and other risky ways with high returns.

The minimum investment amount is on average 100,000-300,000 rubles.

Deposit term from 6 months.

Benefits of investing in structured products:

• The product is selected individually for each, taking into account the acceptable level of risk and the desired return. The average return with 100% capital protection is 9-12% per annum, if the value of assets grows. In the event of a fall, only a base yield of 3-5% per annum will be paid out.
• No expert knowledge required - depending on the investment objectives and profitability, experts will recommend suitable products and will carry out all operations and control over them.
• Possibility to deposit money in foreign currency.

Investments in structural objects have a number of disadvantages:

• A decent amount of start-up capital for many
• With an early withdrawal of money, you can work in the negative
• Low profitability with 90-100% protection. Those. if you want to get a good profitability, the probability of losing part of the capital increases.

This method can be considered in order to distribute risks for novice investors, and if the protection threshold is lowered, in order to obtain a higher yield than on bank deposits.

1. Hedging Cryptocurrency Investing is a great way to get good returns with almost no risk.

In this case, one of the profitable investment strategies described in the article is applied:

Cryptocurrency is purchased for 50% of the allocated capital. This is your asset, in case of an increase in the cryptocurrency rate, you will get a good profit.

The second half of the funds is credited to the account of a forex broker offering cryptocurrency trading

To protect yourself in case of a fall in the rate, pending sell orders are placed below the level at which you bought the cryptocurrency.

In the event that the exchange rate begins to fall significantly, a sell deal is opened, which covers the loss from the loss of the value of the coins.

The benefits of investing in cryptocurrencies include:

• The possibility of obtaining a yield of 25-100% for 6-12 months.
• The use of hedging reduces risks to a minimum
• If you keep money on the broker's account in dollars, you can win if the national currency falls
• High speed of transfer to money - you can withdraw and receive money within 24 hours.

Disadvantages of this investment method:

• You need to take the time and get the minimum knowledge of how to buy cryptocurrency and place trades with a broker. It will take 5-12 hours.
• Cryptocurrency is characterized by volatility, so with a negative forecast, you need to have patience to wait out a temporary drawdown.

1. Business creation.

Investing in a business is another way to invest money without risk, if you know which business to invest in.

conclusions

As you can see, almost all investment options without risk are aimed more at the safety and protection of capital than at increasing. In this regard, if you are less than 35-43 years old, then I recommend that when compiling an investment portfolio, allocate no more than 30-45% of the capital for risk-free investment. Because the main purpose of investing is to multiply money, so more aggressive ways of investing money can bring big dividends.

What investments do you consider risk-free? Share in the comments.

Description: when free money appears, it is advisable to invest it somewhere so that it works and makes a profit. You need to do this wisely so as not to spend all the money for nothing. So that you do not have to wander in the dark, I have compiled a selection of ideas where to invest money in order to receive a monthly income or make a profit in the long term.
Payment: depends on investment
Requirements: amount for investments (from 1000 rubles), it is advisable to study books on investing.

How to invest money to make a profit

I must say right away - invest only if you have "free" money. You should not sit on water and bread, hoping to get rich in a month - this does not work. The investment rules are simple:

• No risk = little profit.
• Big risks = big returns (if you're lucky).

Therefore, you should not enter the game if you have to bet the last savings. As a last resort, use the money set aside for vacation - in the worst case, you will spend your vacation at home.

If there is absolutely no free money, try saving 10% of your salary for several months. When you have savings, try to invest them.

The minimum amount for investments is 100-1000 rubles. This money is enough to try your hand without fear and make the first investment.

Over the years, a set of tips has emerged that will help novice investors. Don't dismiss these "truths" that seem obvious. Listen and do not break them, so as not to lose all the money.

1. Don't borrow- this is the basic rule of novice investors. Never take loans to invest money. There are too many risks of losing everything, and there will be nothing to pay back. Count only on the available money.
2. Don't put your eggs in one basket. In investment circles, this is called “risk diversification.” Invest in different areas and companies to increase your chances of making a profit. If somewhere the case does not win, in another place you can receive income and recapture investments.
3. Start gradually so that in the first month you don’t lose all the money you have set aside. Study the issue, invest a little bit (no more than $ 1000), and only when you figure it out and start making a profit, increase your investment.
4. Invest your profits so that the money keeps spinning and bringing in more money.
5. Take risks, but in moderation. Be prepared to take risks and lose money. Study offers, analyze and try to find the optimal ratio of profit and risks.

With the help of investments and investments, you can create a passive source of income for yourself. But you need to act gradually and be sure to study a couple of books or courses on investing. Preferably from famous people who understand this business.

Where to invest money
to receive monthly income

Let's look at where you can invest money to make it work. The article provides several options, so it will not be possible to consider each in detail. Here you will find only basic information, and if something interests you, you can study it in more detail on specialized sites / forums.

1. Bank deposit- a popular way to save money, and increase it a little. The risks here are minimal, if any, so the returns barely exceed the rate of inflation.

Suitable for cases when you have set aside the amount of money for a long-term project (buy an apartment, for a university for a child, etc.), and do not want them to lie idle. In this case, you can be sure of their safety. You will not see big money, but if you are still afraid of risky areas, the option is good.

2. Real estate is a classic investment tool. A well-known rental option, when you get paid every month for the fact that someone else lives in an apartment / cottage / country house. If there is no apartment, you can consider a cheaper option - a garage. This also includes the option with commercial real estate - people do not live, but work in rented premises.

Commercial real estate brings in more money, but there are a lot of nuances to consider.

It should be borne in mind that the premises can be damaged, so it is advisable to insure it against various cataclysms (fire, flood, gas explosion, natural disaster, etc.).

The entry threshold is from 200 thousand rubles and more.

3. Shares in the stock market These are already “serious” investments that can bring good profits. It is believed that this is a very difficult area and it is contraindicated for beginners to get into it. In fact, everyone can figure out the nuances and make money on it.

First you need to open an account with a broker (for example, good reviews about Otkritie Brokerage House). Find a list of eligible stocks that pay dividends, you can look on the Internet or ask a broker. Choose the right shares and buy them.

If you do not want or are afraid to manage investments on your own, entrust this matter to a trader - a professional manager.

There is another way to make money on stocks - speculation. The principle is similar to the basic principle of trading: buy low, sell high. But you should not start with this, it is suitable for experienced "players".

The entry threshold is 1000 rubles.

4. Mutual funds- mutual investment fund. You can purchase a share in the investment portfolio of such a fund (shares). After a certain period of time, you will receive a percentage of income equal to the size of your share. But keep in mind that the value of a share does not always increase - you can work in the red.

You can invest little by little in different sectors and sectors of the economy to increase your chances of success.

Keep in mind that payments do not occur every month, but at the agreed time. Therefore, you should not count on monthly profits.

The entry threshold is from 1000 rubles.

5. Investments in startups and young projects- Recently, this direction for investments is gaining popularity. You do not have to search for projects on your own and work with unknown persons. There are special platforms where you can invest in promising projects.

When the project is launched and starts to generate income, you will receive monthly deductions as a shareholder. The amounts of payments and their conditions are described on the websites and in the description of the project.

Keep in mind that not all young startups succeed, and some die before they even start. Therefore, carefully study the proposals, evaluate the business plan and invest in serious projects.

The entry threshold is from $1.

6. Money on credit- You can act as a banker and lend people money with interest. You can offer your services to friends and acquaintances so as not to take risks with strangers and not delve into legal aspects. Or open an organization (which is much more difficult).

Choose an interest rate lower than in other microfinance organizations in order to offer favorable conditions to "clients". Even if the rate is 0.3% per day, it will be 100% per year. Do not forget about the return guarantee - sign a contract or take a valuable thing as a pledge (like a pawnshop).

Investments in WebMoney- a great way to implement this idea easier, and not ruin relationships with friends. If you have a small free amount on your balance, you can offer it to someone on credit. Conditions are negotiated, a percentage is assigned, etc. And every month you will receive a percentage of the amount issued (assign yourself). There are situations when lenders do not return investments, so there are still risks. Read more in the webmoney section credit exchange.

The entry threshold is from 1000 rubles.

Now you have at least 6 ideas where to invest money in order to receive a monthly income or make a profit in the long term. Follow the basic rules, learn the secrets of investing, and only then start practicing. In this case, it is better not to rush.

No one argues that there is no extra money. But it happens that free funds appear. It can be a pleasantly fallen inheritance, a large award, a well-functioning project. For some, this will be a reason to spend them with pleasure, while others will think about how to save this money, but rather increase it. Let's try to think about where to invest money in 2020 in order to earn. To correctly answer this question, let's get acquainted with the concept of "investment".

Basic terms

Investments are understood as material and intellectual means aimed at making a profit using various financial instruments or commercial activities. Investments can be:

• direct - when the investor directly chooses the objects of investment and participates in the process of activities that bring profit;
• indirect - with this type of investor's funds are transferred to the management of special structures or institutions whose activities are aimed at making a profit.

In terms of time, investments can be:

• short-term;
• medium-term;
• long-term.

An investment portfolio is a set of all types of investments in various instruments that make up an investor's assets. For example, investments in deposits, bonds, real estate, business.

Types of investments

The problem with choosing investments for individuals is not that there are few offers. Everything is just the opposite, there are a lot of offers for investing money, even if we ignore not quite legal and fraudulent options when they offer to increase the amount by several times in a short period. But there are options that are under the control of the state, which guarantees compliance with laws and not using money in criminal schemes.

Such options can be conditionally divided into risky investments and investments with low risk. By the level of risk, you can immediately judge the profitability, they are directly dependent. If you want more profit, you have to take more risks. Consider some well-known and popular types of investments.

Investing in your education

This is the only type of investment without risk. At the same time, it is deservedly considered a highly profitable type of investment. And most importantly, it is best to start any other investments with gaining knowledge on investment issues in general and deeper knowledge on selected types. This may not always be the case if you engage in self-education, but you can also choose educational trainings, courses, consultations.

Bank

A familiar, understandable, calm investment option. When all the work comes down to choosing a reliable bank with decent interest. It refers to investments with low risk, but the profit received will at most cover the level of official inflation. The average rate will be about 6% per annum. In addition, the deposit will have to be limited to 1.4 million rubles in order to receive money from the insurance fund in the event of the bank's liquidation.

Real estate

Another seemingly reliable type of investment. The good thing is that the risk of a complete loss of property is very low, but it does not guarantee the impossibility of a partial loss of funds. Investments in real estate for profit can be the following:

1. Purchase of residential real estate in the stage of construction in progress for subsequent resale in finished form.
2. Acquisition of residential and commercial real estate for rent.
3. Long-term lease for subsequent sub-lease for short periods.
4. Acquisition of land plots for their sale in parts or for the construction of facilities with subsequent sale.

The main disadvantage of this type of investment is the high level of initial investment. Additional difficulties are delivered by the unstable market, the difficulty of selling, and competition in leasing. Currently, the purchase of foreign real estate, apartments in resort regions for renting out during the tourist season is gaining popularity.

For example, currently in Bulgaria you can buy an inexpensive studio on the sea or in a ski resort for a very low price, starting from 10,000 euros. The cost of renting such a studio in the season starts from 20 euros per day.

Bonds

Making a profit from buying bonds is another way to invest money with low risk. At their core, bonds are securities issued by companies that act as IOUs. Bond borrowers can be private companies or public companies.

In terms of reliability, such investments are inferior to bank deposits only in that they are not insured by the state. The profit generated can be on average 10%, but it is not guaranteed. Sometimes the bonds of some companies bring very high profits up to 100%, but such investments are highly risky.

Stock

Investing in shares of large and small companies has been practiced in Western countries for many years, being the most popular type of investment. Shares are understood as securities that fix the owner's right to receive a share of profits and participate in the management of a joint-stock company in accordance with the existing block of shares.

There are two ways to profit from shares:

1. At the expense of dividends paid on existing securities.
2. In the form of profit from buying and selling shares in the stock markets.

Investing in stocks carries a high risk, especially when trading the stock markets. For such operations, it is necessary to have the appropriate knowledge and experience, as well as resistance to stress loads. At the same time, investing in stocks can also bring high returns.

Currency market

The Forex currency market is a very risky investment. They earn on it by changing the exchange rate when buying and selling. Ideally, if the purchase price is lower than the sale price. But course changes can be so unpredictable and rapid that the lack of knowledge and experience leads to a quick loss of invested funds.

Cryptocurrencies

If it is possible to get a quick and big profit with Forex, only the cryptocurrency market can argue, where profits sometimes amount to several hundred, or even thousands of percent. Accordingly, the risks here are higher than in other markets. The work with cryptocurrencies is becoming more complicated and the fact that the status of this financial instrument remains a controversial issue all over the world. Emerging scandals and bans have a very strong impact on the already unstable rate of cryptocurrencies, turning the market around and depreciating existing assets.

Management companies

Options for investing in stocks, the foreign exchange market and cryptocurrencies are very risky. It is possible to work in such markets if you have the appropriate training, experience, and a stable nervous system. Therefore, before doing this on your own, you can transfer money to trust management. Different types of such services are offered by special management companies.

Here you can choose one or more personal brokers, specify your investment portfolio, including certain types of stocks, currency pairs, precious metals, etc. The degree of risk and the level of acceptable losses are also stipulated. The minimum threshold for investing in such management companies is very low, starting at $10. This amount allows the investor himself, if desired, to try his hand at. The average profit from such investments can be in the range of 2-10% per month.

mutual fund

Mutual investment funds specialize in professional work with stock markets. For people who are willing to take risks, but do not have experience in exchange trading, mutual funds are a good alternative to brokers. Here you can buy small shares, but it is better to distribute the money invested into several shares, in which case the risk will noticeably decrease. The cost of shares is available to almost everyone, because it starts from 1000 rubles. Such a contribution will not bring a lot of money, but it will allow you to get not very expensive experience.

Such investment belongs to the category of trust management, since the investor does not influence the process and the choice of instruments for making a profit. Investments in mutual funds do not guarantee profit, but, on average, with low risk, they can bring up to 30% profit. The fact that the activities of such funds are under the control of the state gives reason not to be afraid of fraudulent schemes.

IIS

Individual investment accounts, created in 2015, have become an indicator of the state's interest in enhancing the investment activity of the population. Opening such an account for a period of three years allows you to receive tax benefits of 13% for up to 400,000 rubles. That is, simply opening such an account allows you to receive 52,000 rubles in three years due to savings on tax deductions.

You can open only one account for one person, only rubles are accepted for crediting. Otherwise, such an account is similar to other trust management options. Accounts are not insured, although some management companies can use part of the money to open a deposit, but the funds on such a deposit will not be insured.

Venture funds

Already in their name, these investment funds speak of risk. The English word "venture" is translated as "risk venture". The activities of such funds are based on the financing of innovative projects. Moreover, it starts at an early stage, then projects are developed for several years. The performance is not very high, usually 20-30% of developed projects are successful. But even these percentages are enough to pay off all costs and get high profits.

In Russia, at the moment, venture capital investment is still at the stage of development. To enter such projects, quite high amounts are required: from 100,000 in rubles, from 500,000 in dollars. Potential profit starts from 40% and can exceed 1000%. But, of course, the loss of invested funds is not excluded.

Business

A great way to invest money, sometimes very little to increase it, open your own business or become a business partner. There are many possibilities for this. There is still a demand for people who can do something better than others. Opening workshops for repairing equipment, tailoring, selling handmade goods, with the right approach, can be the beginning of a successful business. Nobody argues that starting a business will require more time and effort than opening a deposit, but the return will be more significant.

Great opportunities in our time to open a business and attract investment in it gives the Internet, where the number of potential customers and buyers is not limited. You can open online stores, advertise services, engage in wholesale trade. Franchising is a good option for starting a business. When you can buy the right to organize an already operating business, while all the stages of its creation and the requirements for the quality of products or services are stipulated. In this case, the risks are reduced, and the opportunity to receive the necessary assistance allows you to make a profit in a fairly short time.

Where to invest 100,000 rubles

If we talk about an example with a specific amount, then we get the following options where you can invest money in 2020:

1. Bank deposit with guaranteed low income.
2. Investing in real estate of such an amount is possible only for the option of renting an apartment with its subsequent sublease.
3. Buying bonds.
4. Transfer to trust management in a management company on the terms of a personal broker, the purchase of mutual funds or the creation of an IIS.
5. Opening an account with a management company for independent work in the stock or currency markets.
6. Investment in venture funds.
7. Starting your own business on your own or in partnership.

Overview of management and investment companies

The choice of management companies is one of the main components of successful investments. To select, it is most convenient to navigate by the rating of operating companies. They can be compiled according to different indicators. To determine the reliability of the company should be based on the size of its assets. The yield rating of the proposed financial instruments gives a reason to decide how profitable such investments are.

At the moment, the leader in terms of assets is Sberbank Management Company, whose assets account for 30% of the entire market. The top three includes Alfa Capital and VTB Capital. If you look at the ratings on the yield of mutual funds, then the leader for the last month is URALSIB with a mutual fund yield of 3.66%.

Investment companies are evaluated by their international rating and the financial instruments they offer. For example, the company "FINAM" has a high rating and offers its clients a wide range of investment options, including those with guaranteed returns, mutual funds, IIA. And with another leader among investment companies, LLC QBEF, you can open bond portfolios, weighted average portfolios, structured products with maximum protection.

That is, if you wish, you can find one or more companies where you will select the most suitable conditions for investing money. Almost all leading organizations have their own websites and offer the opportunity to invest on the Internet.

Ways to reduce losses

No one is insured against the risk of losing part or all of the money invested in most investment methods. You have to be ready for this. Therefore, the most important thing for an investor should be that the money invested is exactly free. They can be used in a variety of ways without lowering the investor's standard of living.

When deciding where it is profitable to invest money, it is better to follow certain rules:

1. Collect detailed information on interested types of investments. Assess how much the amount of investment is able to bring profit and how the resulting profit correlates with possible risks.
2. Do not look for options for making big profits in a short period, most likely this is a scam.
3. Do not start investing with large amounts.
4. Check the availability of licenses from investment companies, especially when opening an IIS.
5. Try to distribute the amount of investment into several options, among which there should be investments with varying degrees of risk: low, medium, high.
6. In the case of opening a business, do not rely on the fact that it will work without your participation. Find opportunities to improve your educational level to improve the operation of an open business.
7. Trust money only to professionals, analyze the activities of management companies based on the results of their work and feedback on working with these companies.
8. When making a profit, look for opportunities to invest it in new options in order to expand the scope of investment.
9. Consider long-term and short-term investment options. For example, buying shares in order to receive dividends is suitable for a long investment period.

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