What can you invest in small. The most profitable capital investments in Russia

27.03.2018 78047 0

Hello! In this article we will tell you where to invest money.

Today you will learn:

1. Basic principles of prudent investment;
2. What is the most important investment object;
3. And where to invest any amount of money in 2018.

Investment Principles

The main principle on which all modern prosperous society is based is that money should make money. And this does not mean that the main goal in life is the endless pursuit of money. If we translate this principle into a more accessible language, then it will sound something like this - free cash should always work and bring additional, passive income.

People who make huge money with their initial capital are called investors. The main thing is not to confuse investors with professional speculators - people who make many short-term transactions in order to make a profit. The investor expects a long-term result - by investing his money, he expects to receive income over a distance of several months to decades.

Professional investors are a special category of people who make money through successful projects of other businessmen. On the one hand, it is quite simple - invest your free funds, do nothing and make a profit. But if you dig deeper, then even at the stage of choosing an object for investment, there are significant difficulties. And after that, observing the project, it is necessary to ensure that it develops in the right direction, continues to function successfully and make a profit.

That is why, if you want to successfully invest money, make timely profits and manage risks competently, your task is to follow simple principles.

Principle 1. Risk diversification. This condition comes first because it is basic. Without it, absolutely any investment will be unprofitable, regardless of the experience, intuition, finances and capabilities of the investor. Diversifying assets means dividing funds among several objects.

Investments are inextricably linked with risk. One of the main principles follows from this - the higher the risks, the higher the profitability. These two parameters are directly related. At the same time, a person must understand that in his investment portfolio there should always be low-risk assets that are guaranteed to bring a small income, regardless of the financial situation on the market, and risky assets that will bring a very high income under favorable conditions.

Principle 2. Only free cash can be invested. This principle is based on banal logic. It is impossible to withdraw funds that are required by a person personally for investment needs. For example, it would be completely illogical to ignore the requirements of creditors, and to purchase a certain investment object for the amount of debt.

That is why, only those funds should be used, the loss of which will not be noticeable enough, and which can then be earned within 1-3 months. Otherwise, it is better to refrain from investing until you have fully settled your financial situation.

Principle 3. Investments should always make a profit. Last but not least principle. It is also banal to simplicity, but many people forget about it. If investments do not bring profit, then they are unprofitable, and therefore, very soon you will be ruined.

That is why, often, profit should come first and sometimes it should noticeably crowd out risks, despite the fact that in most cases it will be more important to GET money, and not HAVE THE OPPORTUNITY to get it.

These three simple principles are commonplace enough, but even some experienced investors manage not to use them. For all its simplicity, the third of them is still the most violated. Some professional investors spend their time, money and other resources on projects that are losing money in advance, saying that sooner or later they will start making money. But the main principle of investing is that the project must bring money, regardless of what it is aimed at (with the exception of charity).

If you remember these three simple principles, then the investment activity will be successful and bring a high and stable income.

Where to invest less than 10 thousand rubles

Private lending

Private lending is one of the alternatives to a bank loan. Both individuals and legal entities can also act as debtors, only ordinary people who have free finances act as creditors. The beauty of private lending is that interest rates often vary depending on the risks and systems in which the loans are made.

Most payment systems have their own platforms where users make short-term loans for each other at higher interest rates. Often they even exceed the interest on loans in MFIs - from 10 to 100% daily. At the same time, lending through payment systems is quite strongly associated with the risks of default Money: according to statistics, about 60% of loans on the Internet are not returned.

An alternative to payment systems with their increased risks and huge interest rates are special platforms for making private loans. Their work is carried out as follows: the user deposits funds into the system, it automatically selects trustworthy borrowers, selects the optimal interest rate and issues a loan.

After that, in case of repayment, the system returns the funds + interest minus its own commission. The risks of non-return are also present here, but to a lesser extent. Therefore, and interest rates on loans fluctuate in the region from 30 to 100% per annum.

And the last option is credit cooperatives. In Russia, this type of lending is underdeveloped, but still has a place to be. It is not worth talking about it much - just know that this is a kind of investment, when many people accumulate money in order to lend to one borrower.

Forex

Forex would never have appeared on this list if it wasn't allowed. But according to statistics, only 20% of traders actually earn money, and the remaining 80 only bring money to their broker.

In order to start playing Forex, it will take a lot of time to devote to the formation of the psychological qualities of a real trader. Despite the fact that at first glance the charts move chaotically, the ability to understand them comes after 2-3 days of studying technical analysis. And in order to form psychological stability, one's own view of the market and the style of the game, it takes an average of 2-3 trader's accounts.

Of course, you can invest more than 10 thousand rubles in Forex, but due to the huge number of risks, this is highly not recommended. Unlike stock investments, which involve only the financial risks of the assets you invest in, many incidents can still happen in Forex, up to the bankruptcy of a broker.

Small resale business

Now it has become fashionable to create one-pagers, advertise some product on them and sell it, winding up 200-300%. You can thank the guys from Business Molodist for this, who explain to everyone why he should spend 200-300 thousand to learn how to trade goods for 2-3 thousand rubles.

But despite the fact that many people have rushed into this, as it seems to them, a profitable business, the niche has not really been occupied yet. There is not a huge number of advertisers who can attract customers with minimal investment, there is no general number of businessmen who can make a competent sales funnel and guide a client through the landing page in such a way as not to leave him even a single chance of refusal.

That is why, if you have 5-10 thousand rubles, the desire to deal with sites and advertising, you can start a business reselling goods through one-pagers. If working with landing pages is too difficult for you, then you can choose an easier option for selling goods - groups on social networks and message boards like Avito.

HYIPs

Well, where without hype. A very controversial type of investment, which nevertheless is one of the main sources of income for a certain group of very risky "investors". The essence of HYIPs is this - a small financial pyramid is created, which promises fabulous interest on your deposits. This can be argued in any way, up to “buying stocks, bonds” or something else.

Money for interest comes from new revenues and such a “vicious circle” is created from which there is only one way out - a fictitious bankruptcy of the HYIP after a certain period of time. It would seem - an ordinary pyramid, on which it is unrealistic to make money. But it is not so. Hype diligently pays interest the first time. Depending on the scale - from 1 month to 1 year. That is why some people recognize HYIPs, invest in them, and after a short period of time withdraw their funds with interest. This is how the scheme works - who managed, he earned, who did not manage - lost money.

As you can see, all but the third method is a fairly risky type of investment. But that's why they bring in a lot of money. If you have free funds - no more than 10 thousand rubles, the loss of which will not hit your pocket hard, then these investments are for you.

Where to invest an amount from 10 to 50 thousand rubles

Here we have collected for you 7 relevant ways on which you can earn, having from 10 to 50 thousand rubles. For each of them, any amount from this range will do. The methods differ in that they have an average profitability and, in most cases, a short payback period.

Stock market game

In the first place, of course, is the game on the stock exchange. With a small amount of money, from 300 to 1000 dollars, you can open an investment account with any broker and start learning the basics of trading.

The peculiarity of playing on the stock exchange is that for the first time (from 2 months to 2 years) your task will be to reach zero profitability. That is, you will have to beat the commission of the broker, trading and settlement system with the profitability of all transactions. Reaching this minimum bar is one of the main stages of any trader.

Then there should be the next stage - the minimum profitability. It is measured by the rate of inflation, or by the average levels of bank deposits (which in Russia is often much less than the real rate of inflation). In general, it will take a trader from 1 to 3 years to reach an acceptable level of income. But after that, you will be able to actively trade on the stock exchange and, thanks to this, receive a stable income.

Bank deposit

Simple and low cost. Putting money in the bank is a great way to cover inflation, or go with it almost on an equal footing. Bank deposits are not suitable for anything else.

A little advice on choosing a bank for a deposit: do not look at the top market players, like Sberbank, VTB, Rosselkhozbank and others. They can dictate their terms to clients, which is why the interest on deposits is always lower than in other, medium-sized banks, which, in order to attract resources, must increase their rates.

The optimal period for which bank deposits are made: 1 - 2 years. It doesn't make sense anymore, because no one knows what will happen in the country, what kind of economic crisis will come this time, and a shorter term reduces profitability. The only thing to remember - if possible - do not withdraw funds ahead of schedule. Then, in most cases, your accumulated interest will simply burn out. If you urgently need money, it is better to take a loan, and present a bank deposit as collateral.

Mutual investment fund

Mutual funds in Russia, as well as the investment culture in general, are very poorly developed. But despite this, several leading banks - Alfa-Bank, VTB, Otkritie and Tinkoff have several mutual funds that really deserve attention.

What are mutual funds: they are a kind of trust funds, only with a different legal component of transactions. If in trust funds you transfer money to the manager, and he buys profitable financial assets with it, then in the case of mutual funds, everything is built as follows:

• you buy a share in the fund - a share;
• investment fund adds money for a share to his own funds;
• carries out transactions with securities at the expense of all monetary funds;
• distributes profit according to the shares.

This scheme is most similar to - when income is distributed according to shares, but funds are not transferred directly to the company - a kind of exchange of funds and shares in the company occurs. Mutual funds are good in that they provide a higher return than a bank deposit, but at the same time, their risks are relatively the same.

Site purchase

The most profitable way of investment from all presented in this list. The site is a platform for earning, capital for resale and the ability to promote your own products and services.

There are two ways to make money buying websites: selling ads and reselling a website. Each method is good in its own way. For 50 thousand rubles you can buy a site that brings its owner from 5 to 15 thousand rubles a month, depending on how competently the owner estimated it. And after time for self-sufficiency, you will be able to receive net profit, almost without spending any effort.

Website reselling is a more complex process that requires certain skills in evaluating and selling online resources. In order to engage in resale, it is recommended to create a website on your own, and only after you have gone all the way, you can start reselling as a full-fledged business.

precious metals

When we say “investments in precious metals”, we most often mean investments in gold. It is one of the most demanded metals in today's market, its price is steadily growing over a long distance, and during periods of global crises it simply skyrockets.

A little about why this metal is so valued. In terms of investment, gold is very attractive because any state, regardless of the economic state it is in, is interested in attracting gold reserves. That is why, when prices begin to fall all over the world, there is only one thing left - to seek salvation in the "safe harbor" - investing in gold.

It is easy to invest in it. It is enough to open an unallocated metal account in any bank that provides these services, and you will already have on hand a sum of money equivalent to the amount of gold that you purchased. But you should not count on the fact that it will immediately go up, and money will go to your bank account. In order for gold to bring significant income, 5-10 years must pass.

Cryptocurrency

Cryptocurrency is now one of the subjects of a fierce dispute among investors and economic specialists from around the world. Some say that this is not a currency, because. it is not backed by anything and will disappear over time (we would like to know what, for example, the dollar is backed by), while others, on the contrary, argue that due to the demand for it and the limited quantity, it will become more and more valuable until it is replaced by new ones. types of money.

Cryptocurrency is essentially a computer code. It has no physical weight, security and a clear, fixed course. But that doesn't stop it from being wildly popular with people who want to keep their payments anonymous.

There are several types of cryptocurrencies, but the largest currency is bitcoin. Now it costs about 1 thousand dollars, although some 5-6 years ago a person bought a pizza for 10,000 bitcoins.

You can use cryptocurrency as an investment object only in two cases: when you intend to make money on speculation and if you really believe in the prospect of cryptocurrency growth.

Where to invest an amount from 50 to 500 thousand rubles

Here we have prepared for you more large-scale investment methods that require a large amount of capital.

Investing in stocks and bonds

Investing in securities is a popular money accumulation procedure in Europe and America that almost completely replaces bank deposits. According to statistics, about 50% of American families keep their savings in securities.

Investments compare favorably with paper trading. If you have an amount of 100-200 thousand rubles, any broker can not only provide access to the securities market, but also help with advice on where to invest.

There are two investment options: aggressive and passive. With an aggressive style, you will invest in the papers of promising companies, with a passive style, you only need to pour money into the papers of well-known companies, winning on the difference in price and dividends.

If you need an investment method that requires minimal participation in the process, periodically checking and insuring yourself against big losses, while having a yield of 2-2.5 times more than bank deposits, then investing in securities is the best option.

Trust management of capital

Trust wealth management is a relatively new service that companies of various calibers provide. Starting from banks and ending with special centers, firms provide asset management services for individuals and legal entities.

Trust capital management is as follows: every company has a field of activity in which it has achieved success and can earn decent money. For the most part, this area is trading in the stock market. And in order to increase the volume of investments and reduce risks, such companies attract additional capital, which they invest in profitable assets, taking the margin for their services.

Trust management is best "trusted" to specialists in the banking or related financial sector. You should never put your money in the hands of private entrepreneurs or traders. Most often, these are insufficiently professional stock market participants who cannot earn money themselves and are trying to get investors' funds.

Own business

Everything here is simple and clear, but at the same time complex and confusing. Starting your own business is one of the best (if not the best) ways to invest money.

Starting your own business is no easy task. We need an original idea, capital, investors, and, preferably, a team of like-minded people who will follow one idea.

It is important to know that the statistics do not lie: only 20% of businessmen continue to work with their projects. But at the same time, it does not take into account the many companies that were sold to large giants like Google, Microsoft and Yandex for a huge amount of money. And therefore it is important to understand that those businessmen who are left out are not victims of the system. They are victims of their own mistakes, laziness and lack of hard work.

Buying currency

The talk about currency speculation has not ceased since the days of the USSR. But then the currency was in short supply and therefore was in rather high demand. Now there is freedom of market relations, so the currency costs as much as it should. That is why investing in foreign currency is now a rather controversial way of investing.

Investing in foreign currency makes sense when the global crisis begins, or an internal crisis in one of the countries. Then the quotes of one of the currencies fall sharply (in most cases deservedly), but literally in a year and a half they are restored to their usual volumes. A few notable recent examples: Russian ruble, euro and pound sterling - due to various macroeconomic events (sanctions, Trump's appointment and exit from the EU)

What currencies can you invest in?

• the currencies of the Arab countries, backed by gold (they are resistant to inflation and therefore, behind all world fluctuations, they will stably maintain their high rate);
• currencies developing countries 3rd world (they steadily increase their exchange rate, are in average demand and can be easily exchanged for the currency of your country at any time without loss);
• cryptocurrency (with all the latest cryptocurrency jumps and hundreds of rumors around it, it becomes an interesting object for investment and speculation. During the period from the beginning of June 2017 to the middle of it, bitcoin broke through the price of 3 thousand dollars several times, and so many once it fell back to 2.5 thousand. Nevertheless, the whole of 2017, starting from spring, was held under the flag of virtual currencies)

In general, investing in foreign currency is suitable for those who like active investing - keep track of their money, make important decisions not once every few months, but every day. At the same time, competent investments in currency can make you a millionaire in one crisis.

Invest in developing your own applications

Own applications - a startup that is addicted to up to 50% of all global entrepreneurs. Most of them create their projects while at their main job, but then the latter becomes uninteresting to them.

If you have money to develop and promote the application (the costs will be about 20 to 80 in favor of advertising), then you can safely occupy this niche, which is just starting to gain momentum. Developing your application can go two ways: manually or with the help of hired freelancers. The first method will take a lot of time and effort not only to create an idea and bring it to the desired result, but also to develop, while the second will require average financial costs.

Development of a simple mobile application can cost $500-1000. A large online project will cost more. In general, the development and promotion of the application can cost 100-300 thousand rubles. Such investments pay off, depending on the project, in 3-6 months.

Where to invest more than 500 thousand rubles

Here we will talk about investments from 500 thousand to several million. If you have money more than 3-4 million, then you must know where to invest it in order to make a profit.

Real estate investment

For some reason, real estate investments in our country, despite their absolute unprofitability and illiquidity, are still quite attractive. This is rather strange for two reasons: interest income from real estate exceeds the minimum (bank deposit) by 3-4% per annum; and the liquidity of investment objects is somewhere around zero. But despite this, most people who have money from 1 million rubles still continue to spend their money on real estate.

Real estate is good because it is stable. But it is stable in the worst sense of the word. Even gold is growing faster than real estate prices in Russia. For the most part, in some areas, prices for apartments, houses and other similar property have gone into negative territory over the past 2-5 years.

The situation in large cities is a little better - real estate there is consistently worth a lot, while refusing to grow. The ever-expanding Moscow region will be an exception, but even there it is difficult to guess which of the districts will be in plus and which will be in the red.

In general, investments in Russian real estate are suitable only for those who want a stable average income with big spending. The payback of such investments will be from 5 to 10 years. For those who really want to receive a consistently high income with the help of real estate, it is recommended to take a closer look at the houses and apartments of Eastern and Western Europe. In them, real estate becomes more expensive much faster than in our countries, due to the constant flow of emigrants from other, less developed countries. In Russia, there are other, more interesting and profitable alternatives.

Buying a ready-made business

Buying a ready-made business is an excellent investment option for 1-3 million rubles. It became popular in Europe in the late 90s. Then entrepreneurs who urgently needed a lot of money for a new project, or simply those who were tired of the business, sold it to other, more interested persons.

In order to understand whether the project is really profitable, it is enough to be in a team (or work if it is a small business). Then you can see if there really are customers, if the business really brings the declared income, plunge into the process a little and understand whether it is worth buying this business at all.

Having bought a business, you will not need to think about how to launch it, how to deal with competitors and set up production at minimal cost. They will do it for you, they will explain how everything works, and you will only have to control all business processes and make a profit. This option is more suitable for experienced entrepreneurs.

franchise business

As opposed to buying a ready-made business, you can choose a franchise business. A franchise is the exclusive right to use a trademark. In fact, it is doing business under a well-known brand.

Franchise Advantage:

• simplicity;
• convenience;
• stability;
• profit.

Working with global companies, you will be able to use their successful experience in order to fully develop in a new direction. And also you will have a full-fledged development strategy that takes into account absolutely everything, up to the specifics of the population in your city. True, this awaits you only if you choose the right partner to open a business.

Most often, franchises are provided by companies in the field of fast food and restaurant business. The brightest representative is McDonald's.

It will take from 300 thousand to several million rubles to open a franchise business. This amount will include the cost of the franchise itself, the cost of starting the business, as well as monthly contributions from profits.

Investments in startups

Investing in startups is now one of the most highly profitable types of earnings in Europe and America. Since there is a culture of investment there, most start-up entrepreneurs put their ideas on public display and thus look for potential investors.

Investing in startups is risky, but extremely rewarding. Many young people are in a hurry to realize their ideas and require large investments in their projects. But some of them do not yet know the basics of business, do not understand how to work correctly in order to receive money. That is why investing in startups is associated with high risks.

A little advice. In Russia, there is no culture of startups, as such, yet. Therefore, if you decide to invest your money, then you should choose a good foreign project. Of course, you don't know many business features and there are chances that the idea you invest in will fail, but nevertheless, it is much less risky than Russian startups.

But despite the fact that this way of earning is quite risky, professional investors earn huge amounts of money. The best business angels (those who invest in start-up projects) earned millions of dollars by investing only a few tens of thousands.

Unique art objects

And, finally, the most controversial, but certainly an interesting way to invest money is unique pieces of art.

It is impossible to talk about this way of earning for a long time - it is quite simple. You can buy a painting, statuette or any other work of a famous figure that you like for decent money, and then resell it several times more expensive to collectors.

Main investment object

Above, we presented almost all working ways of investing that can bring good profits. But the main object of investment should remain you. Getting a good education, getting the right knowledge, developing your talents and gaining much-needed skills is what really matters.

Your first investment in time and money should go to the formation of yourself. If you are interested in investing as a way to earn money, then you need to spend a lot of time on getting the necessary knowledge, as well as the skills that investors need so much:

• stress tolerance;
• "Alive" mind;
• patience.

When working in any field, you must spend some energy on learning something new about it, no matter how high you are.

That is why every time you think about where to invest this or that amount of money, think about whether you can invest it in yourself.

Now to some more practical investment advice. They will help you invest your funds correctly, minimize risks and “fix” profits in time.

Tip 1. Separate assets

The simplest rule that is often forgotten by many investors when they get a really good offer. Divide your investment on multiple fronts. So you reduce the risks of one-time capital losses to a minimum.

Separating assets is beneficial because they begin to balance each other. A good example is investing in securities. For most investors, the ratio of risky securities to safe securities in their investment portfolios is approximately 30/70. When risky ones go to “+”, they bring tangible profits, about 2 times more than reliable ones. But when risky ones fall in price, reliable ones compensate for their drawdown by withdrawing investment portfolio to zero or a small minus. It should also be in other types of investments.

For example, when buying a ready-made business, leave some money in the bank or invest it in profitable securities. Then you can at least partially compensate for the losses if the business starts to make losses.

Tip 2. Balance risks and returns.

The analysis of risks and profitability, as well as their comparison, is the main task of the investor. The main rule of the financial market is that risks and returns are directly proportional to each other. This means that when one rises, the other also rises.

But the market is not always “right”. Sometimes he can overestimate something, in the wake of a general positive attitude towards the idea, or vice versa, underestimate. Then there are situations when, at first glance, a reliable and low-yielding instrument is actually very risky. A striking recent example is the situation with bank deposits and revocation of licenses of credit institutions.

That is why always try to analyze how risky this or that idea is, and how much profit it can bring. Always correlate these two important indicators with each other, and when you see that the risks exceed the income, then feel free to refuse further actions. But if the profit significantly exceeds the risks, it is worth considering whether everything is so simple in reality.

Tip 3. Try to get as much information as possible about the scope of your investments.

Of course, you don't have to know absolutely everything about where you invest your money. But you should have at least superficial knowledge about the object of investment. If you want to invest in gold, see why it is so valuable. If you want to buy an apartment and rent it out, find out why the real estate market is considered reliable.

Tip 4. Know how to exit the game in time

One of the most valuable skills is to be able to stop in time. You have to be able to abandon unpromising ideas that are losing or have completely outlived their usefulness, and you feel that they do not deliver initial inspiration to you.

Tip 5. Make a profit.

And most importantly, money should make money. This means that you should make a profit from your financial investments. Not "promising ideas", not "100% payback" and not "everything will work out" should worry you. The main thing to look at is whether you will achieve a profit or not. And are you satisfied with its size.

No matter how attractive the idea is, you should always think about money. This is an investment, not a charity

Hello! Today we'll talk about where to invest money. There is a certain solid amount, and you want to increase it with minimal risks? Where to invest money with maximum benefit? What principles guide experienced investors. You can find out more about all this below. Do not neglect this information, because the best investment is an investment in the form of knowledge.

financial pillow

Where is it profitable to invest money

There are many ways to invest. Among them are not entirely legal methods and projects that are aimed at extracting money from illiterate and gullible investors. How not to get lost in all the variety of offers and not run into a scam.

Let's talk about where is the best place to invest money. Consider traditional investment methods already tested by time and experienced investors. At the same time, the risks are moderate, and the profitability is quite predictable.

Invest in bank deposits

Invest money at interest in a bank- the most common way, but due to the high level of inflation in the country, it cannot be called super profitable. At best, you can count on keeping your funds at the same level as at the time of the deposit.

The Russian Federation recently adopted a law that guarantees the depositor the payment of 1 million rubles (instead of 700 thousand previously established) in the event of a bank failure. Provided that the bankrupt financial institution has a banking license.

Sberbank is one of the most popular banks in Russia, but it cannot boast of high interest rates on deposits. If you are interested in the question of where to invest money so as not to lose, this option is for you. Here the level of risks is the smallest. After all, this is one of the most reliable and time-tested banks. In addition, there is an opportunity to invest a small amount of money, with almost a full return guarantee.

What are the benefits of investing in a bank?

1. Little chance of losing money.
2. You can return funds at any time.
3. You can start with 1000 rubles.
4. Simple rules and clearness of the whole process.

The cons are obvious:

1. perhaps the lowest profitability of all possible ways investment;
2. Early withdrawals will forfeit interest.

Bank deposits are divided into several categories depending on the term:

• Term deposits - funds are kept in the bank for a certain period, when withdrawing money ahead of time, the bank imposes penalties on the depositor. This may be deprivation of part of the interest on the deposit. The contract may establish a period during which the money is returned in case of early termination of obligations.
• Perpetual deposits - the contract in this case is free from strict mandatory terms. You can withdraw money at any time. But a small account balance is expected so that the contract does not terminate. If there is no balance, then the next time you will have to conclude a contract again.
• Deposits with monthly accruals on the account. In this case, interest is transferred to the depositor every month. Funds can be withdrawn or left and thereby increase the amount on which interest will be charged.
• Deposits with payment of interest only at the end of the period specified in the agreement. You can conclude a contract for a year and receive interest only after this period, not earlier. Such deposits can be made out for any period - a month, six months, a year or more.

Invest in stock markets

Stock market- the second most popular way of investing. It is based on the acquisition of securities (bonds, stocks and futures).

Allows you to get much more income than from bank deposits. However, relatively significant risks must also be taken into account.

To invest in this area, it is useful to contact special brokerage companies or banks that deal with the stock market and operations on it. To date, the most famous brokerage companies are Aton and Otkritie. These are reliable systems with minimal risks to invest money in Russia.

You can invest for a short time, and then such investors are often called speculators. They are engaged in the sale and purchase of securities in a matter of minutes, a maximum of a week.

Medium-term investors hold stocks from a few weeks to months.

If the shares are bought for several years, then this is a long-term investment.

You can manage funds on your own, or you can contact traders or specialized funds. The latter includes a mutual fund - a mutual investment fund. This organization itself forms an investment portfolio consisting of shares, deposits, bonds and other things. Independently sells these shares, in a different way, shares.

Certain periods are set, after which the investor receives interest in accordance with the size of the contributed share. But the fund can also bring losses if the income is less than the amount of investments.

The main advantages of investing in funds:

• the percentage of profit is higher than from deposits in banks;
• you can invest in different instruments - types of securities;
• you can independently compile an investment portfolio, having studied in detail the ratio of income and risks. In this case, there is a chance to invest money very profitably.

Disadvantages of stock markets:

• the process is not as simple as bank deposits;
• the risk of losing funds is increased;
• if you engage in independent investment, you need special knowledge.

Shares are securities confirming the right to participate in the authorized capital of the company. They bring their owners a part of the profits of the company. This is a chance to invest today in order to get a possible profit in the future. Big profit feature such investments, but the risk remains that the company may go bankrupt.

In this case, it is important to learn how to make a forecast and cash out money on time. As soon as the company starts to lose its positions.

Invest money in Forex

I myself used to learn to trade on the stock exchange and got a little hooked on Forex. Believe me, there is nothing to do there without knowledge and trading skills. Before my eyes, 90% of people were losing money, 7% were working for nothing and 3% were making money. True, there are examples of those who earn not decently much on this, but these are few. If you are interested in this activity, then try it!

The world's global currency exchange market - Forex. The whole principle is to exchange almost any monetary unit. Most transactions take place in one day, and investors-speculators earn on them, respectively.

Forex is designed to make money in the shortest possible time. But the risks involved are huge. In the same few days, you can lose all your capital.

Currently, there are special companies - Forex brokers. They offer Forex services.

Here you need to be as careful as possible, because fraudulent companies have appeared. They create special programs that simulate trading on the world market. As a result, the depositor plays some fictitious game on his computer and, of course, loses all his funds.

Before contacting Forex brokers, you need to read reviews about the company, visit the office, and make sure by any other means of reliability.

Advantages of the Forex market:

• relatively small initial funds (minimum $100);
• quick earnings due to high leverage;
• there are enough investment instruments and they correspond to currency pairs.

The disadvantages are very high risks of losing money in a short time. Investing requires considerable knowledge and skills, which are acquired with great difficulty over many years of hard work. According to statistics, only 2-3% of traders trade in plus. Encouraged by beautiful stories, newcomers always believe that they will definitely fall into this cherished 2-3%. Don't be fooled, they'll get it all out in no time. Only by devoting a lot of time and effort to this business, learning to control risks and mastering your emotions, you may have a chance to start earning.

Investing in PAMM accounts

Successful traders offer Forex deposit services. Convenient, because you do not need to learn the rules of investing and learn all the intricacies of successful deposits.

You can easily get from 4 to 7% of profit per month. The whole point is to transfer finance to the manager. He, in turn, makes the money work, and the profit is usually divided in half 50 to 50. If you invest a lot of money, the investor can get better conditions. For example, 70 to 30 of the profit in favor of the investor.

It is also always possible to invest money at the expected high interest rate if the manager uses aggressive trading strategies. People invest money, often in such managers. But do not forget that your risks of losing funds are also greatly increased. By the way, in Pamm accounts there is an opportunity to invest money on the Internet, it is not necessary to go somewhere.

All money is kept in a collection agency, so there is no risk that the manager will embezzle all the funds and disappear. He is interested in making a profit. His income depends entirely on how he manages to work in the stock market.

A natural question arises, where to invest money so that they work, and where to find an intelligent manager.

There aren't many options.

An easy way to invest if you have enough funds to buy residential space or commercial property. The latter will provide more income, but it will also require certain knowledge and literacy.

Real estate is not only buildings, but also land, quarries, lakes, boats, airplanes.

This is not always a tool to earn, but a good tool not to lose! Real estate is always valuable. Moreover, the price is always going up. Secondly, you can not only buy it and wait for growth, but also actively use it to make money. Can be rented out or used for your own business. In any case, real estate is an excellent investment and not only in 2017-2018.

Moreover, you can buy both residential and commercial, although now I would focus more on commercial real estate. It is also profitable to buy private houses in poor condition for the purpose of building new real estate in this territory. In our city, this direction is actively developing and we also partially participate in this;)

Positive sides:

• opportunity to receive passive income;
• you can earn money on the difference between the purchase and sale prices;
• good way saving money and protecting them from inflation;
• real estate is tangible asset, which can be used for business or for settlement.

Negative sides:

• you need to have a large initial capital;
• cannot be sold quickly without losing market value;
• possible damage to the asset by tenants, flood, fire, and so on. The way out is insurance, which will require additional costs.

You can invest in real estate in Russia. According to statistics, small-sized apartments, but located in a prestigious area, are in great demand. The cost is not so high, and repairs will be inexpensive, you do not need to purchase a lot of furniture. If you rent out such apartments, you can get up to 20% per annum. Payback occurs in 5-10 years.

There is a minus - it is difficult to find permanent tenants. The property owner has to periodically find tenants. If the apartment has a large area and rooms are not rented separately, then such housing will bring up to 7% per annum, the minimum payback period will be 10 years.

When buying and selling real estate, you need to be especially vigilant. Pay attention to the documents on the property and the contract. It is better to contact well-known real estate offices with a good reputation and a notary.

Invest in private lending

Such investments will bring high returns, up to 50% of net profit. Lending in private order today is developing at a rapid pace. But the risk in this case is huge - borrowed funds simply may not be returned. No competent and clear contract and careful selection of applicants gives a big guarantee for a refund with interest. It is most reasonable to engage in microcredit. When sums of money that do not differ in large sizes are issued for short periods.

There is a similar opportunity on the WebMoney website. Loan amounts and terms are small, interest rates are high. If you learn to distinguish a solvent person from a bankrupt or a swindler, then you can make good money. However, online lending is even more risky than conventional lending. Sometimes even the passport of the borrower is unknown.

Another convenient platform for borrowing is the BezBank platform. Conditions for investors are attractive. You just need to register and fill out an application for readiness to provide a loan. People who need money find offers, and the lender dictates his own rules - the size of the interest rate and the terms of the transaction.

The verification of a candidate for a loan is based on two indicators: the rating of activity on the site and the level of trust in the face of other creditors. Situations that are out of control are regulated by the collectors office. It is tied to this project.

Here you can also invest money to make a profit. Even if you invest a little money, there is still an opportunity to earn 50% simply and quickly. For example, if you lend 10,000 rubles, 15,000 are returned in seven days.

For a person with an entrepreneurial streak, there is no better way to invest. Risks, of course, remain, as with any investment. But they can be easily learned to manage. The businessman himself decides where to direct the funds so that they work and make a profit.

I consider investments in myself to be more optimal, maybe because I am not an investor. In my business, I am responsible for my investments, in fact, I invest in myself, and this is a big plus. Of course, there are also disadvantages - you have to work! But I have always invested and will invest in myself and my projects!

• Cons: You have to work, there is a risk of burnout, this is not quite passive income.
• Pros: You are in control, there are no income limits.

Almost any business needs start-up capital, if you don’t know where to get it, we advise you to read the following articles:

Effectively invest in a ready-made business that generates income. Additional investment in this case will only increase the already existing profit.

It is much easier to attract co-investors to business projects. Business is easy. These are all positives. But there are also negative ones:

• the risk is still high;
• if this is a business project, then there is a risk of losing a share;
• it is impossible to sell assets in a short time without losing value (goods, equipment).

Investments in precious metals

This is the oldest way of investing. It so happened that banknotes are tied to gold. In the second half of the 20th century, gold ceased to be the guarantor of the currency. But until now, precious metals are able to preserve and increase capital.

There are three common ways to invest money to earn on precious metals:

• purchase of futures or shares, related funds and companies;
• contribution to depersonalized metal accounts;
• purchase of bullion from precious metals.

With the latter method, everything is clear: you need to come to the bank and buy bars there. The remaining 2 options require detailed explanations.

An unallocated metal account is an account that shows how many grams of the metal the customer purchased, but without specifying the sample, serial number and manufacturer.

Futures represent a contract for the supply of metal in a specific quantity. You can buy them on the exchanges. Thus, having bought the contract, the investor becomes the owner of the lot of metal.

This type of investment promises high stability. This is a good way to invest money now to save it and beat inflation.

Contributions to antiques and art

This option is more for those who know a lot about it! And who knows, he will understand. There are always people who are looking for rare things and buy. And this pleasure is worth a lot.

Example. Once my friend bought a GAZ 21 Volga car in good condition. In our city a couple of years ago you could buy a thousand for 50 rubles. He repainted it, installed a BMW engine (not a new one, of course) and an automatic transmission, shamanized the interior, and generally put it in order. He did it for himself, but the other day he was offered 800,000 rubles for it. He googled it and refused because it was also cheap! According to my rough calculations, investments are 300-400 thousand rubles, and the output is 800 tr. If you do this thoroughly, you can earn good money.

This is just a real life example. There may be many options.

To implement this method, considerable free funds are needed. But rare collectibles, paintings are becoming more expensive every year. An antique is considered to be a thing older than 50 years. Not every item can become valuable over the years. It can only be antiques that have artistic and historical value. You can only make a profit from antiques, which are recognized by leading connoisseurs of art and scientists.

You can buy and sell antiques, art and collections at auctions and exhibitions. There are also specialized shops.

There is one significant disadvantage in this type of investment - fakes and scammers. You definitely need an expert with special equipment to distinguish the original from the fake. Before investing in a particular piece of art, it is imperative to make an examination.

Investments in intellectual property

A patent can be obtained for a specific technology or invention. This is done so that other persons cannot use intellectual property without the permission of the author, inventor.

Then, if this invention or technology is introduced by someone into production in order to make a profit, you will receive your percentage in the form of passive income.

This method is beneficial for people who know who may need this or that technology in the future, and to whom it can be offered for use. The same goes for trademarks and brands. All this is called - intangible assets, that is, assets that cannot be touched.

You can earn passive income or make a profit on the resale of a trademark.

There are also risks, you may not find tenants and those who want to use this or that technology, patent, trademark.

Invest in Internet projects and startups

One of the most profitable ways to invest money. At the same time, it is not necessary to look for Internet projects and invest money in them, giving funds to unknown people. Money can be invested on an investment site with a license. The whole process is legal.

For example, the Share In Stock exchange, where online business owners present their projects. Investors can invest in these offers and receive income in the form of monthly payments.

The advantages of this type of investment:

• the minimum initial deposit is $1;
• the opportunity to make a profit of 50-100% per year;
• a large selection of projects for investment.

Negative sides:

• risks, possible bankruptcy of the project;
• knowledge in the field of marketing and technologies in the network is required and an understanding of whether the project will be of interest to the audience;
• if there is no certain knowledge, then you need to hire a project manager.

- a project of a commercial orientation, implies small investment that will pay off in a short time.

Investing in innovative startups is a profitable solution. You can find ideas on a special exchange, where you can also publish your startup. Napartner is the first exchange that brought together thousands of people from all CIS countries. There are many successful people, entrepreneurs, managers, directors and heads of successful companies among the participants. Goals of this project:

1. help any startup to find funds for their project in the form of contributions;
2. help the investor place his funds in profitable projects and receive income.

Why is investing in Internet projects so attractive for investors of any category? Because a person who decides to engage in this type of investment is not required to:

1. Connections with the “right people”;
2. The presence of large capital to start the construction of the project;
3. Higher education and professional knowledge in the field of investment.

Investing in the Internet is subject to everyone, regardless of gender, age and social status.

Investments in information sites

Speaking about where you can invest money, do not forget about information sites that are gaining momentum. Good, high-quality sites with an active audience in large quantities are expensive, but they also bring their owners good money from advertising. Here is an example of a site that is sold on the exchange:

As we can see, it brings 31,800 rubles a month, it is sold for 1,281,250 rubles, but its optimal price is 1,050,000 rubles. Payback in 2 years maximum. This despite the fact that it was not even actively monetized. I know the seller of the site. Having bought such 3-5 sites, you can continue to develop them and get good money. In a year or two, the site will pay for itself and will bring net profit and constantly grow in price.

I invest in the purchase and development of sites. True, I’m not buying for millions yet, but there were lots for tens and hundreds of thousands.

You can independently engage in PR for the group, or you can invest in special programs or hire a professional in this matter. After a sufficient number of people in the public, you can start placing ads. A day of advertising in groups with a large number of subscribers costs about 2-3 thousand rubles. It is not difficult to calculate the return on such an investment.

Investing in applications for smartphones based on iOS or Android

You can profit from applications that provide services and assistance. It will also bring income contribution to applications where useful information on one topic will be collected. Do not lose sight of the products that sell any product or service.

Contributions to endowment life insurance

This product combines two areas: the accumulation of money and insurance in case of illness, death, accident, survival.

The term of such a contract is usually 10-35 years. This method is good for achieving a goal that costs a lot of money. For example, buying real estate, education and more. It can also be used as a pension payment. By the end of the contract, you can receive the accumulated amount and investment income. But most likely, this income will not increase the funds, but only compensate for the level of inflation.

It is necessary to carefully study the offers from insurance companies and weigh the pros and cons.

Disadvantages of investing in HOA:

1. insurance protection is valid after the first installment. In other words, the term does not matter if the insured event has already arrived. The entire amount specified in the contract will be paid;
2. in the event of an insured event, payments are not taxed;
3. the income received from insurance is not subject to confiscation, division in the event of a divorce, recovery by court decision.

Benefits of investing in HOA:

1. payments are systematic - once a quarter, month or year;
2. there is a risk that inflation will eat up all income by the end of the insurance period, or you can even end up in the red. The best solution is insurance pegged to the euro or dollar.
3. Before the deadline, funds cannot be withdrawn without loss.

The method is well suited for diversifying an investment portfolio with good funds.

Investing in Personal Development

This type of investment assumes profit without loss. Risks are reduced to a minimum value. The benefit is 100%, and everyone can invest in training.

To do this, it is enough to sign up for all possible courses, trainings, seminars to gain knowledge and study foreign languages. It is important to apply all the acquired knowledge for successful professional activity.

It would be nice to choose teachers who are themselves excellent role models, and who are happy to share not only theory, but also their own experience.

Only these people will provide relevant knowledge, and not standard and sometimes outdated schemes. Without competent investment in yourself, other types of investments lose their meaning.

Contribution to health and beauty

Psychology says: beautiful people are much more successful than not beautiful. This is easily explained, because everyone wants to communicate and start any relationship with people with good looks. It is only then that everyone looks into the soul and evaluates mental abilities.

To maintain external and internal beauty, you need to pay great attention to health.

You should not save on food, quality medicines and clothes. If possible, avoid activities that are bad for health and put life and quality of life at risk.

To invest in beauty and health, it is enough to buy subscriptions to a gym, swimming pool, beauty salon, sauna, massages.

This is one of the most useful investments, it can bring profit many times over and for the rest of your life. There are no downsides to this investment method.

Investment in your own name and reputation

In finance and business, people often refer to specific individuals and evaluate them: this person is reliable, and this one has a so-so reputation.

Reputation is the most important asset. After all, people who have a good assessment of others are more likely to be trusted with large sums of money and transferred to serious business projects.

Business people dream of becoming famous. After all, where there is fame, there is money. The name will work for the entrepreneur.

To get a good reputation in a separate company, it is enough to show punctuality, initiative, honesty and attentiveness to others.

So, gradually, such a person will be asked for advice, offered funds for knowledge and invited to speak at events. These are the first signs of the work of a name on a person. If you do not stop, then after a while you can receive money only for one mention of the name.

The only disadvantage of this investment is that if handled poorly, you can instantly lose a good reputation that has been developed over the years.

Investment in your development

Dubious methods of investing

HYIP projects

These are pyramid schemes and they promise investors quick earnings in a short time. Many will say that this is a scam. However, everything is quite legal and if you pick up the deposit on time, you can stay in the black. The more interest a HYIP project offers, the less time it exists, and the higher the risks.

Buying Cryptocurrency

This is an unusual way to invest. Cryptocurrency was invented in the West as an alternative to the usual currency, which was later issued by the state. In Russia, such a currency is considered illegal, therefore, investing in this area is illegal.

They receive such virtual money in the following ways:

• mining - by calculating blocks. In this case, the video card of the computer is used;
• exchange of traditional currency for bitcoins.

The exchange of cryptocurrencies (one for another) can be made on special exchanges.

To date, there is no demand for bitcoins, and everyone is selling them cheaply. However, it may also happen that virtual money will come back into fashion. But the risk is very high, so it is reasonable to invest 1-2% of the entire investment portfolio in bitcoins.

Position Contribution

Another, one might say, illegal way of investing. In Russia, a position is one of the fastest ways to make a profit in a short time. People buy warm places to enrich themselves illegally.

It is better not to consider such contributions, because it is illegal. But they exist, so let's talk about them in more detail.

What is the purpose of such an investment? There are people who sell positions in government and commercial institutions, and there are people who buy these places and try to recoup their money as quickly as possible. And for this they take bribes, offer services within their competence for a fee, or cut the budget intended for some state project.

Payback comes in the very first days of entering a new position. Negative points for a fraudster are the risk of criminal prosecution, moral anxiety and mental anguish.

Online casino deposits

Online casino advertising on the Internet is enough. You are promised mountains of gold and easy money. There is such a scheme: place a bet, lose, and then the bet will increase, again bet on the same color. Always bet on the same color until a certain martingale law works. As soon as the casino gives you a win, you need to change the color and act again according to the scheme described above.

The main rule of any online casino is to play no more than 2-10 minutes a day. If you play longer, you can merge everything. It is not as easy as it seems, it is sometimes impossible to stop, because the mind overshadows the excitement.

Why you shouldn't invest here

Again, I repeat that I only speak my personal opinion and do not impose it on anyone, otherwise people will appear who will say that I limit your income)) Well, that's it!

I do NOT recommend investing in binary options, HYIPs, pyramid schemes, sports betting, online casinos and other gambling enticements.

Now I'll tell you why I think so. After all, there are people who make good money on this. All these earnings do not depend on you! And I don’t like it when I am only an outside observer, and if my money goes down the drain somewhere, then I can’t do anything about it.

Secondly, I am a webmaster and I know that many who promote these types of earnings earn on YOU. They simply refer you through an affiliate program and earn both for referral and a percentage of the money you spend. Believe me, commissions in such niches are good and affiliate earnings are quite high!

Here is an example in the screenshot, where Alpari affiliate program pays 61 rubles for registration, and 1600 rubles for an active user. Those. as soon as you register on someone's recommendation, replenish your account in the system and start investing, your partner will be paid 1600 rubles for you. But whether you earn or lose there, no one cares.

This is just one example, but there are a lot of them in HYIPs, pyramids, bets, casinos, etc. Some webmasters deliberately invent stories for themselves, how they make good money on it, so that you register using their links. Well, okay, I have nothing against webmasters, but I would not invest in the above.

As for sports betting, here's what I want to say. Although I have a friend who makes good money on this, I still don’t recommend this investment tool, because it drains the same amount later. Although he is a good businessman, everything is in order with his head, but the excitement is addictive. Plus, in this case, the main thing is to find high-quality forecasts, and not forecasts of scammers.

How to make your own savings work, make a profit? And to keep the risks to a minimum. Let's look at the main mistakes of a novice investor.

Haste to make a decision

The investor receives a very favorable offer, quickly agrees and makes a profit. Gets excited, further, thoughtlessly accepts such proposals. As a result, it remains not only without profit, but also without initial capital. Do not quickly agree to the proposals of even the most reliable person. Emotions are out of place here, only cold calculation and strategy.

Inability to accumulate capital and form a portfolio

The first profit is a great joy for a new investor. But it is worth acting wisely and making plans for future investments. It is important to learn how to make a portfolio according to all the rules, and use it to create more and more income from assets.

Someone's mind

Often having a large amount of money, the future investor is afraid to start and listens to the advice of friends or information on the Internet. Undoubtedly, it is necessary to use all available information. But it is much more important to form an opinion based on all the data and build a plan on your own.

How to store money so that it does not depreciate

Currency

Someone prefers not to invest money, but at least save it so that it simply does not depreciate. You can invest in foreign currency. Due to the current unstable situation in the country and currency fluctuations back and forth, I keep money in different currencies. Thus, I compensate for the fall of one with the growth of the other. In the end, I always save my money.

I try to keep money in the following percentage: 35% in dollars, 35% in euros, 30% in rubles.

I'm talking about free money that is waiting in the wings to go into circulation.

bank deposit

You can simply invest money in a bank at interest. I use two banks:

• Sberbank (simple accounts)
• Tinkoff Bank (money is stored on a debit card and interest is also dripping on them without opening a deposit)

Now you know where to invest money, and where it is better not to invest. Successful investment!

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 of choosing investments for individuals not that 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 high level 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 possible, only the crypto-currency market can argue with Forex, 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 yourself, 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 activity of such funds is based on financing 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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We have to think more and more often about where to invest money to make it work. And this is not surprising: it is easy to invest, it is much more difficult to return the money later. If not to increase, then at least to save savings from fluctuations in exchange rates and inflation is the main task of people. A successful investment of funds makes it possible to receive a monthly stable income.

5 basic rules for a novice investor

Before presenting you with specific options for investing, let's look at the basic rules that you should follow in this type of activity.

Rule number 1. Don't keep your eggs in one basket or diversify.

Investment diversification is the distribution of investments among various investment instruments in order to reduce the risks of losing invested funds.

Those. You don't have to invest all your money in one company. After all, there are always risks and something can go wrong. Allocate your funds across different instruments. Thus, it will be impossible to lose all the money at once.

Rule number 2. Use only YOUR “working capital”.

working capital- this is the money that you debug from the main income, especially for investing.

Those. You should only work with personal funds, do not lend money for investment. If you do not have working capital, but you still want to invest, start saving a portion of your funds every month in the bank or under the pillow (for example, 10-30% of income). Over time, you will accumulate a significant amount.

With the loss of investment, this should not affect you and your family in terms of health and standard of living (although it will affect your mood anyway), so we do not invest our last pennies.

Rule number 3. Return your deposits and reinvest.

The money that your working capital brought in should be invested in other assets. After all, by increasing them, your passive income will constantly grow.

Rule number 4. Don't look for 100% reliability.

You take risks every day, risk is part of our life. Leaving the house there is a chance that you will be hit by a car, so now do not leave the house? And what will you do with a plane that can fall on your house?

This does not mean that you should always and everywhere headlong and thoughtlessly take risks. This means that you must manage risk using rules #1 and #2.

Rule number 5. It pays to spend less than you earn.

Those. you should live according to your possibilities, well, or earn according to your needs, whichever is more convenient for you. Forget about loans, credit systems are only aimed at ruining a person and extorting money from him.

Where to invest money so that they work and make a profit - 14 investment options

We got acquainted with the rules, now it's time to move on to real investment tools. Next, consider what options are available for investing working capital. Let's start.

Option number 1. Bank deposits

The best way to save savings from inflation without much difficulty is bank deposits. Nothing needs to be done, and the amount is growing. Keeping money in a bank cell is much more profitable and safer than “mattress investments” at home. It is important to familiarize yourself with the offered deposit programs before making a deposit. The minimum amount in some banks does not exceed one thousand rubles. This means that even small savings will be saved and will give a small, but income.

And here it is important to remember about inflation. If prices rise above eight percent, the savings kept in the bank will not be depreciated. In reliable and profitable offers are possible:

• early or full withdrawal of funds;
• the presence of a branch of the selected bank in the area of ​​​​residence;
• the amount of investment in one financial institution - no more than seven hundred thousand rubles, that is, according to the amount of deposit insurance.

Losses from depreciation are compensated by a multi-currency deposit. When one currency falls, the quotes of another rise. So the risk of loss is reduced. Only extremes are not needed: why invest all the funds only in the purchase of currency, albeit in various denominations? The ruble will begin to grow in any case, and the risk of losing invested funds will increase.

Be sure to carefully read all the terms of the agreement before making a deposit. This is necessary in order to know how big the risk is and what guarantees the organization provides in case of work stoppage. Only with this approach can high profits be achieved and the risk of losses reduced.

Wealthy and successful investors make deposits according to their own criteria. But they have a whole staff of consultants, and they understand the nuances of the market unlike newcomers. Therefore, completely copying their actions is pointless. You won't get exactly the same results.

Option number 2. Currency

Since the “harsh nineties”, the habit of keeping savings at home in foreign currency has remained. Usually rubles were converted into dollars. Now the currency is again becoming a good option. Only it is not safe to opt for dollars, it is better to use the euro or the Chinese yuan. The situation in the United States will have to be constantly monitored.

But it is also dangerous to leave money in rubles: the floating exchange rate and sharp fluctuations in the oil market do not benefit the national currency. And again: experts do not advise storing “all eggs in one basket”. Therefore, the best option is multi-currency savings.

Option number 3. Forex invest

Securities quotes and dynamics exchange rates- Opportunity to make good money. Profits can be high, but such investment, judging by the reviews, is not recommended for beginners. A more reliable tool is PAMM accounts. But even here there are no unambiguous opinions.

"For" and "against" Forex

Forex trading involves a considerable initial investment, and in the absence of experience and elementary skills, it is better to forget about profit. Permanent income is your own strategy and the fullest observance of its rules in any circumstances. Then the crisis is not a hindrance to income growth.

But learning to develop your own strategy will take several months and even, perhaps, at least a year. And PAMM accounts are managed by experienced traders. They have already completed the training, and the results are impressive. They will work with trusted funds, and the resulting profit is divided in half. An interesting option: the capital is guaranteed to increase.

Forex - earnings on the difference in exchange rates. To obtain a stable income, market knowledge is essential. And using electronic advisor programs is not an option. They helped someone to win, while someone was deprived of all investments. So in order to receive passive income, you will have to undergo training. And the best way out for a beginner is PAMM accounts

Why is a PAMM account good?

PAMM account - trust management of capital. The investor invests, trusting the trader of the investment company to make transactions with them. Just ten dollars of initial capital - and a hundred percent profit with almost no time and effort - is tempting. But here it is important not to fall into a pyramid instead of an honest company. Therefore, it is important to look at registration, the availability of certificates and licenses, it is mandatory to check reviews on blogs and forums. If the company's profitability exceeds ten percent per month, then this is alarming.

The manager, the trader chosen by the investor, will manage the capital. And spending time neither collecting information about the manager and analyzing his portfolio is not at all in vain. You should not invest in pamm accounts that are less than six months old. And the number of such accounts should not be more than two dozen.

It is impossible to predict the success of an investment, so even with the right choice, a pamm account remains risky. Therefore, you can not invest in it borrowed capital and make a contribution to only one company. The higher the interest, the greater the risk.

True, it is impossible to predict the time of liquidation of the company. But they are disturbing:

• payment delays;
• a sharp increase in interest on deposits;
• increase in the number of ways to replenish the account;
• change of company status and website design.

In the case, it is important not to take risks, but to divide the funds into several parts and make several investments in different directions: real estate, antiques, bank deposits, stocks, precious metals. The risk is different, if one investment is unprofitable, other investments will be profitable.

Option number 4. Binary Options

binary option is a financial instrument with a fixed cost and a predetermined amount of potential profit.

When you buy an option, you make a prediction in which direction the price of its asset will go (up or down). In the case of a correct forecast, you make a profit, usually 70-85% of the value of your bet, otherwise you lose the amount of the bet (some brokers return 15% if the transaction fails). Those. with a bet of $20, your profit will be equal to $14-17, or you will lose $20.

Well, how can you make money here?

The question arises, how can you earn, and even more so invest, if the chance to “guess” is 50%? It is possible, but only with proper preparation. As Vladimir Ilyich Lenin said: “Study, study and study again” . Without this, binary options are really very similar to roulette.

Option number 5. precious metals

Investments in precious metals, silver and gold remain quite reliable. Their prices are rising, and therefore the investment is promising. Despite outside influence, palladium retains its position.

But a significant disadvantage is that investments in precious metals are long-term. Therefore, less than a couple of years of investment is meaningless. But not everyone agrees to make a contribution for such a long period without a firm confidence in winning.

To invest in physical metals, you can open a metal depersonalized account or CHI. This is an analogue of the usual account, but without commissions, Palladium, gold, platinum and silver are counted in grams. Prices are set every day, that is, the amount of funds in the account changes constantly. Such investments are suitable for analysts who want not only to save capital, but also to increase it.

Option number 6. Real estate

Where to invest money to receive monthly income? Real estate is in demand at any time. So the way to invest in it is always in demand. Real estate prices are now declining, as the demand for housing among the population is still decreasing. But interest rates are rising. Lending under such conditions is unprofitable, and the owners are forced to lower prices in order to attract buyers.

But the cost of one square meter is so high that neither government subsidies nor special programs to support the construction of economy housing can lower it. It turns out that even if it turns out to start lowering prices, it will not happen soon.

Of course, we are talking only about investing personal funds, not mortgaged or taken on credit. Interest payments will completely cross out the hope of income. In this case, the acquisition of real estate or land plot- a win-win. And in the future, it turns out to acquire additional housing, and receive income from renting out.

And this is understandable. During the crisis, people move from small towns to megacities, and they have to live in rented apartments. Rent is necessary at an affordable price, and the appearance of such an offer is most welcome: it is very beneficial for everyone. So that visitors receive housing, and the landlord income. It turns out that when property prices fall, the price of rent increases.

You can always sell your land for a profit. In addition, the land brings profit to farmers. So using it for its intended purpose, that is, organizing a farm, is also income. Growing agricultural products is both work for oneself and loved ones, and benefits from obtaining fresh products, and income from the sale of their surplus.

Bankruptcy auction purchase

Since even large players tend to buy real estate cheaper, it makes sense to look closely at the objects put up for bankruptcy auctions. Their price is several times lower than in normal conditions.

Option number 7. Shares and bonds

Such an investment is risky even in good times. And in conditions of instability, only professionals can accurately predict which companies will remain, and even that is not a complete guarantee.

To make a profit on shares, the amount of money invested in the purchase of a share package is important. The stock market is unpredictable, as is the behavior of an investor, and neither experts nor professionals can name the size of the profit. The beginning of bankruptcy is a violation of the terms of trade.

To make money on stocks, it is tedious to understand and know how the selected company makes a profit. According to experts, it is important to accurately predict the increase in the price of shares. If after the purchase the cost has increased sharply, it is necessary to sell them. Then a good profit is guaranteed, as well as a positive reputation for a businessman.

If the stock price falls, then you can make money on the fall. It is necessary to act according to the strategy of "short" sales. Shares are rented from a broker. A few days later they are redeemed and again given to the broker. Income - the difference between the cost of selling and buying a block of shares.

An investment portfolio assembled from shares requires constant monitoring of news, monitoring the situation on stock exchanges and timely transfer of funds, that is, activity.

What can be wisely invested in? You do not need to have a significant amount of money to earn income in the stock market. The initial investment amount ranges from ten to thirteen thousand. It is also pleasant that the transactions are carried out by a specialist under a power of attorney issued to him. However, this does not mean the complete removal of the principal from business: it is imperative to monitor the situation in the country and the world and view analytical calculations.

If you plan a short-term investment, then when choosing a direction, you will have to take into account the entire situation. The purchase of shares of the country's leading companies provides an opportunity for a quick payback on the shares of metal processing organizations and producers of mineral fertilizers. Shares will grow, and this trend will be realized in the future.

Option number 8. Mutual funds: mutual funds

It is also not easy for mutual funds to effectively organize investments. For the most part, they lose more than they gain. But you don’t have to delve into the direction of the movement of funds. This method is a joint contribution of shareholders. One person or a management company only manages them.

Mutual investment fund. Several investors trust professionals to manage their money. Managers invest in the most profitable, in their opinion, directions. It turns out that investors get the same opportunities as large banks, Insurance companies and pension funds.

Money is invested in different directions. With an increase in the profit of the mutual fund, the income of the investor also grows. When selling a share, the investor receives losses or gains in the form of the difference between the selling price of the share.

The initial share price is determined by the fund. It is most profitable to buy it during a market fall. The main advantages of a mutual fund are the ability to invest without special knowledge, high profitability, and reduction in investment costs. The state strictly controls the work of companies. And this is a good additional guarantee of stability.

Mutual funds are bond, stock, index and mixed. To buy a share, you need to contact either the agent bank of the mutual fund or the company itself to notify you of your desire. After signing the agreement with the fund, the funds are transferred to its current account.

After acquiring a share, the client receives a confirmation of opening an account, crediting a share to it, and a statement of the amount. However, before investing, it is worth visiting the site pif.investfunds.ru/funds. It contains all the information about mutual funds.

Option number 9. Business investment

A good option would be to invest in a Franchise. Franchising, in essence, is the cloning of the parent company. You are given a ready-made work plan, they train you and provide information support when starting a business in your area. It's like a ready-made constructor, there are all the details and instructions. It remains only to assemble a working system.

In the case of a business, you will not receive passive income, but when debugging business processes, you can delegate all the work and hire an executive director. In this case, it's more like an investment. Such a system will bring you income without your participation.

Option number 10. Investments in information sites

Income when investing in information sites comes from placing banner, contextual, teaser advertising on them, from affiliate programs, as well as from placing advertising articles. In fact, this is a passive income (if you do not take the placement of advertising articles, although this work can be delegated).

Such a resource can be created from scratch, but this requires certain knowledge. Let's look at investments in finished projects.

How much can an information site cost and what is the return on investment?

Approximate price 20-24 months * monthly income of the site (the formula is valid for small and medium sites). For example, if the site brings in $400 per month, the price will be = $400 * 20-24 months. = 8000 - 9600 $. Those. return on investment 4-5% per month . To make such purchases and sales, there is a special exchange telderi.ru.

In the case of independent development, the profitability of the project can be 50% per month. But it is worth considering that the new site will reach normal positions only after 4-8 months of active development (this also depends on the subject and competition in the niche).

What is the advantage of such an investment?

You receive monthly passive income. Subject to the further development of the project, the monthly income increases, as does the cost of the site itself in case of resale. The site acts as an asset.

Both to create your own project and to buy a finished project, you need special knowledge and skills, but there is nothing super complicated, there would be a desire to figure it out.

How much money does this site make?

The site you are currently on (site) brings in approximately $420 per month from Google AdSense contextual advertising.

Option number 11. Investments in Internet startups

Not so long ago, a new investment option appeared - in Internet startups. The exchange is a kind of online version of shares. Large investors are not interested in promising, but small by their standards projects. And without funds for development, the undertaking will remain only for them.

Promising projects are strictly selected before being included in the exchange catalog. After that, funds are allocated for their development. They are shares in free float. Investors can receive income from the first month approximately 3-7% monthly. If necessary, to make a profit, you can always sell shares within the system.

Option number 12. Investing in microcredit

People are constantly short of money. This means that the popularity of lending is growing. But if you want to engage in this type of investment, you should enlist the support of a knowledgeable person who is familiar with this area and has considerable experience. He will have to consult a partner often.

Without the assistance of a professional, investing is pointless: if you do not know the specifics of the case and do not have the slightest idea about its correct organization, then the invested funds will not only not be saved, but the risk of losing everything will increase significantly.

Option number 13. Investing in the purchase of coins

Very profitable investment in coins. They are tax-free and easy to store. It is only important to do everything carefully. Even a small scratch on a coin reduces its value. The easiest and safest way is to keep the investment in a safe deposit box. Of course, there are additional costs, but the risk of damage due to negligence is reduced to zero. Silver and gold coins are especially attractive.

It is important to buy such coins or ingots only in banks in order to choose by weight. Credit institutions have all the certificates confirming the origin of the metal. So the long term investment will pay off. Unlike ingots, jewelry is not devoid of impurities, so the purity of the metal in them is a big question.

So regardless of the size of the planned investment, a few million or just one thousand, all conditions must be completely clear, and the invested funds must generate income. And for this, investments need to be supervised. What business to invest in?

You need to invest in real projects, and not in mirages that crumble at a close look. So huge dividends in record time are a warning sign. It is better not to make contributions to such projects: it is recommended to save your own nerves and funds.

Option number 14. Investing in education

Where do rich people invest their money? If there are free funds, then why not invest them in the education of the child? Education has long ceased to be free. And there are many payment options. You can make a one-time payment for the entire term and track attendance at classes. The investment is fully justified

Just before investing, you should find out if the child himself agrees to study at the chosen institution. If he does not show any inclinations towards the direction chosen by his parents, then the investment will be an empty phrase.

Yes, and it is necessary to find out everything about the educational institution: it asks for a lot of money, but whether it corresponds to such injections is a question. A limited circle of contacts, formed on the principle of “we are friends with those with whom it is beneficial” and often deliberately overestimated marks - a reason to be wary and think: is such an investment profitable?

Investing in the development of staff qualifications is one of the areas for investing in wealthy people. Knowledgeable employees who are able to quickly and accurately assess situations, work productively, maintaining and strengthening the team spirit - this is a sure investment that pays off in the shortest possible time.

The most popular directions for investments

Quite large investments in industry. They are occupied by large investors. Their profit is already considerable, and therefore the size of the investment is impressive. Investing in the development of industry is not only profitable, but also a very fashionable and patriotic direction.

When investing in deposits or real estate minimum size monthly income in Russia can be ten percent. More risky investments in stocks, precious metals and financial pyramids. You can earn up to five hundred percent of the down payment, or you can lose everything.

A pyramid is generally an unpredictable way of investing. Let promises be kept at first, and profits reach enormous proportions. But this is only for those who came first. Further, a decrease in income begins and, finally, a logical result: the disappearance of both the organizers and the money.

You should not give in to promises to easily double or even triple your funds on the Forex game. Exchange operations are an occupation for professionals. And only they can predict the behavior of currencies, and even then not always. And losing money, and a lot of it, because of gullibility is too reckless. Investments in the development and development of your website, business or participation in a mutual fund are more advantageous: thirty percent of the investments will return as a profit.

Where not to invest

But where it is not worth investing under any circumstances is in the purchase of cars and mink coats. It is clear that buying a pair of luxurious fur coats for the price of one is a real success.

But after all, the moth will not refuse delicacy. Such a product does not lie for a long time, and the styles lose their relevance. The same principle applies to large chains distributing luxury perfumes.

Household appliances are an unwise investment. It becomes obsolete, losing in value. It will be impossible to sell it even at the purchase price.

It is worth remembering that even a brand new car loses about a third of the price after leaving the salon. And it is impossible to return these funds. Over time, equipment does not become more expensive, unlike precious metals.

Preservation of capital is a topical issue, and therefore it is important to approach its solution in a balanced way, without haste, having discussed all the pros and cons of future investment. Ultimately, the issue of stability and profit margins depend on the decision.

The Parable of the Plumbing