Where to invest money with profit. Where to invest small money
Hello! In this article we will tell you where to invest money.
Today you will learn:
- Basic principles of prudent investment;
- What is the most important investment object;
- 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 return, regardless of the financial situation in the market, and risky assets that will bring a very high return 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 out on top 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 will 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. In the role of debtors, everyone can also act as individuals, as well as legal entities, only ordinary people who have free finances act as a lender. 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. Consequently, interest rates on loans range 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 that a small financial pyramid, 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 kind of funds trust management, 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;
- the investment fund adds the money for the share to its 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 with almost no 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 on 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 parties.
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 developed investment culture, 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 features of the business, 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, figurine 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, bringing the 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
How to reduce risks
How to reduce labor intensity
How much money to invest
Current types of low-risk investments
What to look for when choosing where to invest
To understand whether it is worth investing in a particular source of income, it is necessary first of all to determine the criteria by which it will be determined whether this idea is worth it or not.
If we limit ourselves to three simple criteria, then we would like to highlight the following:
Yield
Profitability is undoubtedly one of the determining factors when choosing where to invest money in order to earn. It is measured most often as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just save it, then, at a minimum, the rate of return must be higher than the annual inflation rate. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5%, which is lower than the average annual inflation rate, which for the last three years until 2017 is 9.9%. Therefore, in order to invest money at a high interest rate and earn on it, it is necessary to use other opportunities, which we will consider below.
Risks
The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the probability of occurrence of events in which the investor may lose profits or even his investments. If, when considering ready-made investment proposals, the amount of return is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to delve into yourself, and what the project actually earns on, how long this process has been established and whether a situation can arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts who understand and understand this. You also need to understand that most often, the higher the yield, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a low percentage, and as you gain experience, switch to more profitable offers at a high percentage.
Labor intensity
If in pure investing, when you have invested money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in your own business, it appears additional factor, as labor intensity is the amount of working time spent, multiplied by the experience and expertise of the performers. In other words, how much time you or your team will spend developing the business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but at the same time, the necessary labor intensity of the process greatly increases, especially if you yourself participate in business processes. At the same time, risks have an inverse relationship with the experience and expertise of the team, that is, the more experience and knowledge, the less risks.
Where to invest money in 2020 so as not to lose - advice from Moscow experts
When there is an understanding of what factors are decisive when choosing where to invest money so that they work, you can already consider and evaluate specific investments, which we will now do.
All options will be connected in one way or another with secured loans.
We believe that such investments, for objective reasons, are the least risky, but at the same time they have a high return.
At the same time, everyone will be able to find an acceptable type for themselves, based on possible labor costs and the availability of expertise.
To begin with, we will tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans issued by financial companies (IFIs, CPCs, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Interest rates on such loans are much higher than those of bank loans, and range from 40% to 100% per annum on average. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, and they do not have the opportunity to undergo long and thorough bank checks. The second category of borrowers are people with spoiled credit history, the road to the banks for which is closed. Or people who do not have the opportunity to confirm their unofficial income.
All loans are issued either secured by real estate or secured by cars. The maximum loan amount usually does not exceed 50% of the market value collateral, and the loan term is usually no more than one year. If the borrower cannot repay the loan, the collateral object is sold at market value, which allows covering both the principal amount and the amount of accrued interest. If there is a difference, it is transferred to the borrower.
It is the presence of collateral that provides a minimum level of risk for the investor, financial companies and this activity in general.
In 2020, according to experts, activity with secured loans has become especially popular and in demand among borrowers, while worthy players have appeared on the non-bank lending market, allowing ordinary individuals to invest in this area without any labor costs and not only not to lose, but also make good money on it, having received your interest with a guarantee secured by the presence of collateral.
Now that we have figured out how it works and why the risks are minimal, let's move on to considering specific types of investments, their profitability and labor intensity. There are three options in total:
- Profitable treasures from 14% to 22% per annum
- Investing-Easy at 24% per annum
- Investing-Profi up to 100% per annum
Let's dwell a little more on each of the options, and you can learn more about each by clicking on the appropriate link, where you can also leave an application for participation in the corresponding program.
Profitable savings
This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: you invested money and received income at the end of the term or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Savings companies:
This type is for those who want to immerse themselves more in investing in secured loans and get a higher return on investment than in conventional deposits. Here, the investor directly issues secured loans on his own behalf, but all other business processes, such as searching for borrowers, underwriting (risk assessment and verification of the borrower), collateral assessment, drawing up contracts, accepting payments and others, are carried out by qualified specialists. The labor costs of the investor are the consideration and selection of investment proposals and the presence at the conclusion of the contract. Yield 24% per annum. Suitable if there is an investment of 300,000 rubles, it is optimal to invest 500,000 rubles or more.
The most profitable, but also the most time-consuming type of investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for the search for borrowers, must be carried out independently. Profitability up to 100% per annum. A good option where to invest 1,000,000 rubles and in a year and a half to earn a million rubles from above.
Where is it profitable to invest money at interest - a comparison of options
- Risks
- Payouts
- Labor intensity
- Investment amount
A bank deposit (or bank deposit) is money deposited with a credit institution (bank) in order to receive an income in the form of interest at the end of the deposit term.
There are many types and conditions of deposits. There are term deposits and demand deposits. In the first case, the deposit is made for a certain period and can be withdrawn completely without loss of interest only after this period. Demand deposits do not have a shelf life and are returned at the first request of the depositor, but the interest on them is significantly lower.
Contribution is an understandable and relatively reliable investment.
Opening a deposit is easy. To do this, you don’t even have to leave your home: many banks allow you to open deposits through mobile app or your site. Of course, for this you first need to become a client of this bank.
The main advantage of the deposit as a type of investment of free funds is the insurance coverage of the Deposit Insurance Agency in the amount of 1.4 million rubles. Within this amount, you can confidently place your deposit in any bank that has a license from the Central Bank of the Russian Federation. If the bank bursts, the state will return the money along with interest on the day the license is revoked. By the way, since 2014, more than 300 banks in Russia have been deprived of their licenses, and their depositors have certainly suffered.
The disadvantage of the deposit is that, compared to an individual investment account, it provides rather modest opportunities for increasing funds.
Individual investment account
Individual investment account (IIA) - a type of brokerage account or trust management account of an individual, opened directly with a broker or trustee (for example, in a bank), for which there are two types to choose from tax incentives and certain restrictions apply.
The concept of "individual investment account" was legally enshrined on January 1, 2015. IIS can be opened as individuals- citizens of Russia, and people who are not citizens of the Russian Federation, but living on its territory for more than six months a year.
The maximum amount that can be initially put on IIS is 400,000 rubles. During the year, the account can be replenished with an amount not exceeding 1 million rubles.
A big advantage of IIS is the possibility of obtaining a tax deduction.
It is paid in the amount of 13% of the amount invested for the year, but not more than 52,000 rubles. That is, with 400,000 rubles, and with 1 million rubles, you can return no more than this amount. This option is suitable for you if you have a permanent job and the employer pays taxes for you. There is another option - to choose tax exemption.
The main disadvantage of IIS is that, unlike a deposit, it is not insured by anyone. However, if you open it in a reliable bank (it has been operating on the market for a long time, it is in the top 20 rating of Russian banks, there is no reorganization in relation to it) and choose the right investment strategy you can earn much more. In addition, in order to enjoy tax deductions, an investment account must be opened for at least three years, during which funds cannot be withdrawn.
How much can you earn on deposits and IIS
Let's compare how much you can earn if you make a deposit of 100,000 rubles and open an individual investment account for the same amount.
Deposit profitability
The weighted average interest rate on deposits for a period of one to three years in Russia as of September 2017 was 6.83% per annum. If we calculate income based on this interest rate, then in a year it will be 106,830 rubles. By reinvesting this amount, in two years you will receive 114,126.5 rubles, and in three years - 121,921.3 rubles. Net income - 21,921.3 rubles.
Profitability of IIS
Strategy 1: invest in government bonds
Having opened an IIS, you can invest in such a reliable instrument as federal loan bonds (OFZ), the issuer of which is the Russian Federation represented by the Ministry of Finance of the Russian Federation. The yield to maturity of OFZ-26205 at the end of November 2017 was about 7.3%. Taking into account the tax deduction of 13%, the return on investment will be 20.3% in the first year. And for three years (the account is opened for a period of at least three years), the average yield will be about 11.6%. As a result, in three years you can get 138,504 rubles. Net income - 38 504 rubles.
Strategy 2: investing in corporate bonds
Another reliable and rather profitable strategy is investing in corporate bonds, the yield on which is slightly higher than on OFZ bonds.
For example, these can be bonds of Gazprom Capital and Rosneft. The average yield on the bond portfolio of these companies at the time of writing is 7.97%. If you put 100,000 rubles on IIS and, as a result, get tax deduction for one year, then after three years we will get an average figure of 12.3% per annum. By the end of the third year, the account will already have 141,020 rubles. Net income - 41 020 rubles.
By the way, for individual bond issues of these issuers, coupon income will not be taxed starting from 2018.
Strategy 3: investing in stocks
The biggest income can come from investing in stocks. However, this is also the most risky investment tool, because even if the shares of a company have shown growth over the past periods, this does not mean that this trend will continue in the future. Experienced investors advise investing in several types of stocks at once, so that the fall in the shares of one company can be offset by the growth in the shares of another company. This is called portfolio diversification.
The most proven investment is the shares of "blue chips" - the securities of the largest, liquid and reliable corporations. Among Russian companies, they include shares of Gazprom, Sberbank, Alrosa and others.
If at the beginning of 2016 you had invested 100,000 rubles in equal shares in the ordinary shares of the three largest Russian corporations - Gazprom, Sberbank and Lukoil, the average return on shares of which in 2016 was 43.93%, then only for one a year you would have earned 43,930 rubles. To this amount, add a tax deduction of 13,000 rubles. It turns out that in just a year you would have earned 56 930 rubles. At the same time, growth over three years is much more difficult to predict.
Outcome
The deposit will suit more conservative and cautious people, probably the older generation. Opening investment accounts - for more risky people. This is not just a fashion trend, but a good opportunity to earn money.
2015-2016 promise to be difficult for most Russians. The economic situation in the country has heated up to the limit. And the general situation in the world suggests that the crisis is not far off. Many are already asking the question: “Where can you invest money so that it works and generates income? » . There will be many similar questions in this article. We will try to give answers to them, because the ruble is losing its positions on financial market. And the issue of capital preservation is becoming more and more acute.
The crisis in Russia is close. How to earn on your savings?
Where to invest money to make it work? This is the main question posed by the majority of Russian citizens. After all, it is no secret to anyone that the political and economic situation in the world has become extremely aggravated in recent years. The instability in the financial market now and then affects the daily lives of many people. The ruble is falling at an incredible rate, this is due to many factors. First of all, the Russian economy was affected by the crisis in Ukraine and the sanctions imposed by the EU in connection with it. But to a greater extent, according to experts, the cost of oil is to blame, which in the last year has dropped to a maximum level. All these factors significantly influenced the ruble exchange rate. Ever since the national currency lost the confidence of its citizens, the Russians have been asking the question: “Where is it safe to invest money?” After all, many experts argue that the ruble can devalue. And this, in turn, will lead to the fact that many will lose their savings. But that's not all. Analysts are confident that in 2015 there will be massive job cuts and a decline in wages. Therefore, speaking about where it is now profitable to invest money, many still think about how to make money on them.
Investing money in a bank. Benefit of the deposit
Where to invest money to make a profit? One of the most popular ways for Russians to keep their savings is a bank. Of course, many use banks solely as a financial cushion with the amount of funds to live on for a short period. But you can approach this option from the other side. Due to the fact that this year the Central Bank of Russia raised the key rate to 17%, it has become very profitable to put savings on deposit. After all, interest rates have become much higher, especially for deposits in the national currency. Although deposits in foreign currencies can also be no less profitable. In addition, some changes have been made to tax code. That is why, using a deposit, you can not only invest money profitably, but also protect your savings from the risks associated with. When choosing this method for saving own funds experts recommend contacting the most trusted and reliable organizations. For example, Sberbank, Gazprom, VTB and others Making a deposit will not take much time and, in turn, will bring a pleasant monthly income. If you invest a large sum, then it will even be possible to live on the interest offered by state banks today!
Real estate investment
Answering the question: “What to invest money in in 2015?”, Many experts recommend turning to such a proven and safe type of investment as real estate. Everyone knows that it is she who takes first place in terms of trust from citizens. But often many people use square meters solely as a way to save their savings. Forgetting that such an investment instrument can bring a considerable income to its owner. Of course, the acquisition of real estate will require considerable funds. But if you skillfully manage them, then the profit from the acquired real estate will cover all costs. It is best to buy an apartment at the initial stage of building a house. Such projects bring the highest income. This is especially true for luxury housing. In addition, it is not at all necessary to sell this property in the future, there is always the opportunity to rent out your square meters. But for this you need to carefully consider the infrastructure and location of the apartment when buying it. Carefully inspect everything that may negatively affect the client's interest: number of storeys, communications, view from the window. All these little things play a very important role when renting an apartment. But at the same time, having executed a profitable deal with a client, you can count on a good monthly income. What is as profitable to invest money as in real estate?
Forex market and PAMM accounts
Where to invest money to make it work? Often, reflecting on this issue, experts confidently talk about the Forex market. In the investment market of Russia, a new form for investing funds called PAMM account has recently appeared. Experienced players declare with confidence that with the help of such accounts you can earn good money. This is especially beneficial today. After all, the principle of earning money is precisely that it is necessary to play on currency races. And today there is just such a trend in the financial market. But experts warn that almost 90% of beginners, starting to work on the Forex market on their own, lose their savings. Firstly, there is not enough experience and knowledge, and secondly, for many, Forex trading is just a side type of income, which is why there is not enough time to delve into the intricacies of work foreign exchange market. Therefore, experienced players often advise beginners to use the services of a professional trader. Well, or, in extreme cases, take a series of training courses, which are often offered for free by investment companies and exchanges.
Securities and shares
During past crises, many Russian citizens, at the risk of losing their savings, invested them in securities and stocks. Those who at least somehow understood this business, after a few years already had a good income. Well, those who had no experience in working with stocks lost their last savings. Answering the question: “Where to invest money to make it work?”, we can say that investing in shares will bring a decent profit. But this can take years, and you also need to have a sufficient level of skills and knowledge to choose a worthy company. It is best to trust a professional manager with a good history of profitability. But even in this case, one cannot be one hundred percent sure that the shares will bring profit. After all, today's market is so volatile that it can devalue the shares of absolutely any company in just a couple of minutes. And experts advise: before choosing this type of investment, consult with experts or use special courses that will help you gain some knowledge in this area.
Investing in gold and other metals
There is a category of citizens in Russia who, each time faced with a crisis problem in the country, absolutely do not ask themselves the question: “Where to invest money in order to earn money?” This category includes people who trust only this type of investment, like gold. This is not surprising. After all, since ancient times, gold has been considered. On the modern market, the situation has changed somewhat, but the fact that gold is generally becoming more expensive is an indisputable fact. Of course, over time, the trends of such investment have changed somewhat, and today bank customers are successfully investing not only in gold, but also in other metals. These include silver, platinum and palladium. There are several ways to invest your savings in precious metals: buy a gold bar at a bank (but you will have to pay a 13% tax), buy gold coins (you can find them at Sberbank and other similar large organizations), buy back securities (only those that are secured by gold, through the stock exchange), as well as open a non-cash metal account. For those who have never used this type of investment, it is best to stop at the last option.
New of the season! Investing in art
It is not surprising that, facing the question “where is it profitable to invest money now”, many choose not quite standard types of investments. Recently, investing in art has become fashionable. But this is not just a fashionable trend, but really a very promising type of investment. After all, with some lots you can get a benefit equal to 100 or even more percent of its value. But there are also some important points. In order to really make money in this market, you need to understand art to some extent. Or use the services of experts and appraisers. Yes, and understand fashion trends, so to speak, try to predict what will be at the peak of fashion in the near future. It all sounds very strange and complicated. In fact, the profit from this type of investment is high exactly as much as the work in this area is difficult. It is for this reason that this type of investment will not be mastered by everyone. But everyone wants to invest money profitably!
Investing in the Internet
Where it is really profitable to invest today is the Internet. After all, the Internet is present in the life of every person. Every year this type of investment is gaining more and more popularity. There are a lot of investment options on the Internet, everyone will be able to choose the most suitable way of earning for themselves. The most important thing in this case is not to stumble upon scammers. After all, with the growing popularity of this type of investment, the number of cases related to customer fraud has also increased. In order not to become one of the deceived investors, it is necessary to carefully study all the documentation, and, if possible, any information about the selected company. Where to invest money to get more? The choice is not just wide, but huge: HYIPs, cryptocurrencies, sites, MFA sites, etc. Starting from creating your own website and ending with profitable investment in promising projects, you can earn very profitably. It is difficult to say exactly how much you can earn on investments on the Internet. It all depends on how much money will be invested and which direction the investor will choose. But given the fact that the Internet is becoming more popular every day, the risks of losing your investments are quite low.
Investments in your own business
Where to invest money to earn a simple person? After all, not everyone can decide to give their savings to the bank or buy unreliable shares on them. For the category of citizens who are suspicious of investing in other people's companies, experts advise considering the option of opening a private business. Moreover, now is the right time for this. Foreign companies, due to sanctions and the unprofitability of doing business in Russia, will hastily leave the Russian Federation. This will reduce competition in the trade market. And the commercial real estate market is likely to reduce the cost per square meter. All this will provide an excellent opportunity for a novice entrepreneur to start a successful business of his own. Where to invest? It is best to turn to basic necessities, clothing or food. The dollar, most likely, will still grow, so you can fill the assortment with national goods and dilute it with Chinese products. Experts also recommend looking at areas such as pharmacy and funeral services. No matter how strange it may sound, but such organizations will always be profitable. Of course, the risks associated with starting your own business are quite high. But the economic situation in Russia today is not too stable. Therefore, such an investment choice can be quite successful! In addition, to reduce risks or with a lack of funds, you can find a worthy companion.
Investing in your own development
Where to invest money to make it work? As you already understood, money can work in different ways. Many, thinking about the issue of investing their own funds, often stop at the choice of self-development. What does it mean? You can, for example, use the accumulated funds to obtain additional education or attending expensive courses to teach something. To do this, it is enough to pay in full the entire course for the entire time. The funds will be invested quite profitably, right? Money can be used to educate your children or provide long-needed medical care to your loved ones. In general, even experts believe that such investments are very profitable. After all, the cost of education and medical care is growing every year. In addition, such investments do not require additional knowledge. In general, leading experts insist that you should try to invest your savings in different areas, thus insuring yourself against possible failures. And this means that the question of where an ordinary person can invest money is not so complicated!
Description: when free money appears, it is advisable to invest it somewhere so that it works and makes a profit. You need to do this wisely so as not to spend all the money for nothing. So that you do not have to wander in the dark, I have compiled a selection of ideas where to invest money in order to receive a monthly income or make a profit in the long term.
Payment: depends on investment
Requirements: amount for investments (from 1000 rubles), it is advisable to study books on investing.
How to invest money to make a profit
I must say right away - invest only if you have "free" money. You should not sit on water and bread, hoping to get rich in a month - this does not work. The investment rules are simple:
- No risk = little profit.
- Big risks = big returns (if you're lucky).
Therefore, you should not enter the game if you have to bet the last savings. As a last resort, use the money set aside for vacation - in the worst case, you will spend your vacation at home.
If there is absolutely no free money, try saving 10% of your salary for several months. When you have savings, try to invest them.
The minimum amount for investments is 100-1000 rubles. This money is enough to try your hand without fear and make the first investment.
Over the years, a set of tips has emerged that will help novice investors. Don't dismiss these "truths" that seem obvious. Listen and do not break them, so as not to lose all the money.
- Don't borrow- this is the basic rule of novice investors. Never take loans to invest money. There are too many risks of losing everything, and there will be nothing to pay back. Count only on the available money.
- Don't put your eggs in one basket. In investment circles, this is called “risk diversification.” Invest in different areas and companies to increase your chances of making a profit. If somewhere the case does not win, in another place you can receive income and recapture investments.
- Start gradually so that in the first month you don’t lose all the money you have set aside. Study the issue, invest a little bit (no more than $ 1000), and only when you figure it out and start making a profit, increase your investment.
- Invest your profits so that the money keeps spinning and bringing in more money.
- Take risks, but in moderation. Be prepared to take risks and lose money. Study offers, analyze and try to find the optimal ratio of profit and risks.
With the help of investments and investments, you can create a passive source of income for yourself. But you need to act gradually and be sure to study a couple of books or courses on investing. Preferably from famous people who understand this matter.
Where to invest money
to receive monthly income
Let's look at where you can invest money to make it work. The article provides several options, so it will not be possible to consider each in detail. Here you will find only basic information, and if something interests you, you can study it in more detail on specialized sites / forums.
1. Bank deposit- a popular way to save money, and increase it a little. The risks here are minimal, if any, so the returns barely exceed the rate of inflation.
Suitable for cases when you have set aside the amount of money for a long-term project (buy an apartment, for a university for a child, etc.), and do not want them to lie idle. In this case, you can be sure of their safety. You will not see big money, but if you are still afraid of risky areas, the option is good.
2. Real estate is a classic investment tool. A well-known rental option, when you get paid every month for the fact that someone else lives in an apartment / cottage / country house. If there is no apartment, you can consider a cheaper option - a garage. This also includes the option with commercial real estate - people do not live, but work in rented premises.
Commercial real estate brings in more money, but there are a lot of nuances to consider.
It should be borne in mind that the premises can be damaged, so it is advisable to insure it against various cataclysms (fire, flood, gas explosion, natural disaster, etc.).
The entry threshold is from 200 thousand rubles and more.
3. Shares in the stock market These are already “serious” investments that can bring good profits. It is believed that this is a very difficult area and it is contraindicated for beginners to get into it. In fact, everyone can figure out the nuances and make money on it.
First you need to open an account with a broker (for example, good reviews about Otkritie Brokerage House). Find a list of eligible stocks that pay dividends, you can look on the Internet or ask a broker. Choose the right shares and buy them.
If you do not want or are afraid to manage investments on your own, entrust this matter to a trader - a professional manager.
There is another way to make money on stocks - speculation. The principle is similar to the basic principle of trading: buy low, sell high. But you should not start with this, it is suitable for experienced "players".
The entry threshold is 1000 rubles.
4. Mutual funds- mutual investment fund. You can purchase a share in the investment portfolio of such a fund (shares). After a certain period of time, you will receive a percentage of income equal to the size of your share. But keep in mind that the value of a share does not always increase - you can work in the red.
You can invest little by little in different sectors and sectors of the economy to increase your chances of success.
Keep in mind that payments do not occur every month, but at the agreed time. Therefore, you should not count on monthly profits.
The entry threshold is from 1000 rubles.
5. Investments in startups and young projects- Recently, this direction for investments is gaining popularity. You do not have to search for projects on your own and work with unknown persons. There are special platforms where you can invest in promising projects.
When the project is launched and starts to generate income, you will receive monthly deductions as a shareholder. The amounts of payments and their conditions are described on the websites and in the description of the project.
Keep in mind that not all young startups succeed, and some die before they even start. Therefore, carefully study the proposals, evaluate the business plan and invest in serious projects.
The entry threshold is from $1.
6. Money on credit- You can act as a banker and lend people money with interest. You can offer your services to friends and acquaintances so as not to take risks with strangers and not delve into legal aspects. Or open an organization (which is much more difficult).
interest rate choose lower than in other micro-finance organizations to offer favorable terms to “clients”. Even if the rate is 0.3% per day, it will be 100% per year. Do not forget about the return guarantee - sign a contract or take a valuable thing as a pledge (like a pawnshop).
Investments in WebMoney- a great way to implement this idea easier, and not ruin relationships with friends. If you have a small free amount on your balance, you can offer it to someone on credit. Conditions are negotiated, a percentage is assigned, etc. And every month you will receive a percentage of the amount issued (assign yourself). There are situations when lenders do not return investments, so there are still risks. Read more in the webmoney section credit exchange.
The entry threshold is from 1000 rubles.
Now you have at least 6 ideas where to invest money in order to receive a monthly income or make a profit in the long term. Follow the basic rules, learn the secrets of investing, and only then start practicing. In this case, it is better not to rush.