You decide to invest your own. Is it worth investing money in crashed stocks? Real estate investing

Hello, dear readers of the business magazine website. Today we will talk to you about investments. If you have money savings that you can invest and make money on, then why not do it today. We have prepared a detailed analysis of the banking sector and will tell you where to invest money at a high interest rate with a guaranteed income. It is important that the money not only lies in a safe place, but also works for you and brings profit.

From our article you will learn:

• Where and how best to invest money in 2019 and make money on it?
• Which banks give the most favorable interest rates on deposits?
• Where to invest money from 50,000 to 1,000,000 rubles to get real income?

All methods have been really tested in practice and, according to many experts, are more relevant than ever. Let's get started.

We will give advice on which banks to invest money in at a high interest rate with a guarantee + review of the TOP 10 profitable niches for investing.

Where is the best place to invest money in 2019: basic rules and expert advice

Where to invest money at a high interest rate with a guarantee? This question is asked by many people year after year. Unfortunately, the situation with the modern economy is now such that the usual income is sometimes not enough even for the basic necessities of life, huh? All this forces people to look for new ways to earn money, which, fortunately, are not so few.

As it was 5 years ago, as it is now and as it will most likely be in the future: there are several industries that offer investors a reliable source of additional income. First of all, these are bank deposits and work with securities. Of course, all these methods require deep knowledge, skills and abilities, and in order for them to be profitable, a serious and responsible approach is needed. But, with a more thorough analysis, they can bring in decent additional income.

Important: When planning where to invest money, you should always listen to the advice of more knowledgeable people who have already gained some experience in this area. Also, do not underestimate financial risks: any enterprise has them, and they must be taken into account! Patience, perseverance and luck will do the rest!

Where to invest money at a high interest rate with a guarantee - TOP 10 niches + expert advice

Option #1.

Purchasing foreign currency

For invested money to be profitable, it needs to constantly move in various financial flows in order to work. Buying foreign currency is one of the most common industries suitable for making money today. Moreover, the most purchased currencies are the US dollar and the euro. The majority of those who invest in foreign currencies do so because of the stable exchange rate against the ruble, as a result of which people are not afraid that the dollar will collapse sharply tomorrow.

This method of investing can be implemented in several ways, the main ones being banks and brokerage firms. If in the first case, only a passport will be enough, then in the case of the stock market, you will need to sign a binding agreement. By the way, on the stock exchange, in addition to the dollar and euro, the Japanese yen, Swiss franc, British pound sterling and some other currencies also have high quotes.

• The main advantages of this type of income include the following:
• High profit percentage. In some cases, the profitability of this type of income can reach about 80-100%.
• Possibility to avoid inflation. If you know how a currency behaves over different periods, you can reduce the likelihood of falling under inflation to a minimum.
• You can study at any convenient time. Here a person is not tied to various conditions, so you can buy currency at any convenient time.

Sufficiency of information. This means that a person can go online at any time of the day and “monitor” the situation. Thanks to the visibility of exchange rate changes, you can decide in advance what to do next.

Advice: to increase your capital as quickly as possible, it is better to invest in the US dollar; if safety of funds comes first, then you should choose Swiss francs.

Option #2.

The first, and perhaps the biggest advantage is simplicity. In order to become a participant, you do not need to obtain any additional licenses or other permits. You just need to look through current catalogs or visit an exhibition or gallery directly. After this, the authenticity of the object is confirmed by an expert and only then the purchase is made. But when purchasing a piece of art, you should always be prepared for the fact that you may have to wait several years, or maybe more, so this is considered a long-term investment.

The disadvantage of this method is the fact that you will need to at least partially understand this area or, in extreme cases, hire a consultant. By the way, many investors work with consultants.

Advice: experienced experts advise taking this method of earning money very seriously and, if possible, studying all aspects in the smallest detail. And always, before purchasing, it is better to spend money on an invited expert than to later purchase an art object for a huge amount of money, the value of which will be minimal.

Option #3.

Investing in startups and young Russian projects

What are the benefits of startups? Because the very concept of “” means something new, something that no one has done before or done, but in a different way. In a word, any startup is interesting and exciting, as well as risky.

1. In general, from the point of view of profitability, investing in startups is considered quite profitable, but you need to be prepared for the fact that the result will not be visible immediately. In addition to the advantages of this venture, it is always worth remembering the risks, the list of which can be narrowed down to the following three points (in short): High competition
2. . There are many startups today, but only a small part of them will be able to break through, enter a niche and at the same time earn money. One of the main disadvantages of investing in startup projects is the fact that you never know whether it will work out or not. Lack of business contacts
3. . Unstable supplies, operational failures, and service problems are just a small part of the problems that can arise if there is no experience. Business connections and effective business: communications still mean a lot in the modern business world.. What does it mean? It's simple: most startup projects rely on small initial investments, and some can only be launched with the support of government programs. And if government support is canceled or additional conditions are added, the whole startup idea may come to naught.

Advice: It's no secret that any business requires constant attention and dedication, especially when you invest your own money in this business. To get maximum results, you need to constantly monitor current affairs day after day, constantly solve problems, and participate in all important stages of the project. This is the only way to ensure at least some effect, including an economic one.

Option number 4.

Buying a farm for cryptocurrency mining

Recently, more and more users are choosing to earn money. According to Coinmarketcap, every day the volume of Bitcoin trading is about $112 billion, and this is not the limit.

To get serious about it, you don’t need to do anything complicated. First you need to register on any of the cryptocurrency exchanges, fortunately there are a lot of them now. The most famous of these exchanges are BTC-e, Cex.io, IndaCoins, LiteCoin, LocalBoitCoins and others. Next, it’s a matter of earning bitcoins.

The process of issuing the Bitcoin cryptocurrency (from the English mining - mining, receiving). Mining is the process of obtaining bitcoins, which is based on solving mathematical problems with working with large amounts of data. In short, the essence of a miner’s job is to select from millions of options one single correct code, which is called a “hash”. For such a hash you can get up to 25 bitcoins, considering that the cost of one bitcoin today is $450.

Of course, mining bitcoins is a complex and lengthy process, but the result is definitely worth it. You can also make money on the difference in its value on the market.

Option #5. Mutual funds The abbreviation PIF means

From the point of view of the average person, mutual funds can be characterized as a joint (collective) investment of funds and subsequent management of capital flows. There are many pitfalls in the stock market, so it is better to entrust money to a professional and qualified manager rather than manage it yourself.

In short, this is the main point of investing in mutual funds: invest free funds in the fund, and the manager then acts based on his own skills and competencies. You can choose a manager based on his professionalism, qualifications and excellent statistics.

The main advantage of investing in mutual funds is that at any time, the investor will be provided with reliable support, and several options will be available for further investment and management of funds.

Important: One of the basic rules of investing in mutual funds is that you need to invest money mainly in those stocks and bonds that have now lost their position, but in the future may rise in price again, which will allow you to get good profits in the future.

Option number 6.

Investment in the construction of private houses/cottages

Real estate has always been and remains one of the most profitable areas for investment. But construction is different from construction. In order to get a truly significant profit, you must initially have a fairly large amount of money, and besides, you need to know in which objects to invest money.

According to research by the Barkley company, 42% of investors prefer to invest money in completed construction and 33% in projects under active construction. Despite the fact that at the start of construction the property may cost 30-50% less, only 7% decide to invest money in such real estate.

Construction under markup just involves investing money in construction, which is at the start, and then, after completion of construction, selling this apartment at the market price, thereby doubling or even tripling the invested funds.

But if everything works out, the profit will be truly great, and all investments will more than pay off.

Option No. 7.

P2P lending

Private lending, or as it is also called (from English Peer-to-Peer) is a method that has been in quite great demand in recent years. The essence of this method is that the lender provides funds to the borrower under certain conditions. Before investing money in P2P lending, you need to consult with a lawyer in order to draw up a competent agreement. This agreement must clearly state all the conditions under which the loan is made, and must also indicate all the main financial risks that the lender may incur.

The advantage of this method is that thanks to this lending system, you can get a fairly high income, because the interest on the loan can sometimes reach up to 50% per annum. If you do the math, it turns out that if you lend a person, for example, 100 thousand rubles, then at the end of the agreed period, you can get 150 thousand back.

Of course, in addition to the obvious advantages, there are also disadvantages. The main disadvantage of this method is that no one can guarantee a 100% refund. No matter how thorough the search and verification of the borrower, in the end, he may simply not have the funds to repay the debt. But going through the courts is a troublesome and expensive matter.

Option No. 8.

Foreign exchange market (Purchase of securities, shares)

Bonds, unlike shares, allow owners of these securities to increase their capital gradually. This method cannot be called fast, but it is relatively stable and reliable. Purchasing bonds can significantly reduce the risk of financial losses, but their maturity is much longer than that of shares.

And finally, Eurobonds. Eurobonds are a type of securities that are issued by large corporations and government agencies in denominated currency. The minimum rate for purchasing Eurobonds is $1,000. The main advantage of working with Eurobonds is the exchange rate difference. This means that the owner can at any time make a profitable investment and sell a Eurobond without losing, or even winning, on interest from the exchange rate difference.

Option number 9.

Endowment insurance

Endowment insurance in Russia is not as developed as, for example, in the United States of America, but even here you can turn endowment insurance into a way to earn money.

• Generally speaking, the endowment insurance scheme can be outlined as follows:

The client enters into a life insurance agreement with an insurance company, which specifies the amount of insurance payments. After signing the contract, the client pays the company an insurance premium, the amount of which he chooses independently. The contribution can be paid in full at once, or it can be divided into several parts and paid gradually. If for a certain period of time (must be specified in the insurance contract), nothing happened to the client, he comes to the insurance company and returns his funds, and even with interest.

For example, in the West the percentage of large insurance companies is 10-12%; in Russia, this rate, unfortunately, is still lower, only 5-7%. But even this will be a decent bonus to the deposited amount after a certain period of time. In some ways, this method is similar to a regular bank transfer, except that in addition to the deposit, the client receives, first of all, the life insurance service itself.

Option No. 10.

The essence of this method comes down to concluding an agreement with a bank, on the basis of which a person brings money to the bank, thereby not only saving it, but also increasing it. This method is beneficial for both parties, since the person, in addition to the deposited amount, receives additional interest, and the bank receives its benefit when it puts this money into circulation.

The undeniable advantage of this method of earning money is that the bank, among other things, also insures the money, that is, the investor can be 100% sure that the money invested will be returned to him.

Important! You should always pay attention to the accompanying deposit conditions under which the bank operates. So, for example, in addition to the annual rate, there are also conditions such as the possibility of extension, capitalization, early withdrawal of funds, etc. All these concepts together allow us to judge whether it is profitable to invest money in this bank or not.

Where is it better to invest money at interest in a bank with monthly income? Review of interest rates and bank offers.

Which banks to invest money in at a high interest rate with a guarantee - TOP 10 profitable offers from banks + tips for passively earning money

Before answering the question “where to invest money at a high interest rate with a guarantee,” you need to carefully study the main options that various banks offer today. Below are the 10 most attractive bank deposits for individuals that exist today.

Bank No. 1: Binbank Bank, “Maximum Interest” deposit

The deposit amount is 1 million rubles. Interest rate – 8.20%, deposit term – 1 year. At the end of the year, the income will be 82,449 rubles

Bank No. 2: Bank Rosselkhozbank, investment deposit

The deposit amount is 1 million rubles. The interest rate is 8.15%, the deposit period is 395 days. Upon expiration of the deposit period, the income will be 88,196 rubles.

Bank No. 3: Moscow Credit Bank, “All inclusive: maximum income” deposit

The deposit amount is 1 million rubles. Interest rate – 8.00%, deposit term – 1 year. Upon expiration of the deposit period, the income will be 81,096 rubles.

Bank No. 4: Bank Promsvyazbank, deposit “My Income”

The deposit amount is 1 million rubles. Interest rate – 8.00%, deposit period – 372 days. Upon expiration of the deposit period, the income will be 80,438 rubles. There is an additional option for preferential termination.

Bank No. 5: Otkritie Bank, Superpromo deposit

The deposit amount is 1 million rubles. The interest rate is 7.5%, the deposit period is 1 year. At the end of the year, the income will be 75 thousand rubles.

Bank No. 6: Bank Russia, “Classic” deposit

The deposit amount is 1 million rubles. Interest rate – 7.40%, deposit term – 1 year. At the end of the year, the income will be 76,562 rubles. There are 4 options: monthly payment, capitalization, replenishment and preferential termination.

Bank No. 7: Sovcombank Bank, “Maximum Income” deposit

The deposit amount is 1 million rubles. Interest rate – 7.50%, deposit term – from 9 months. Upon expiration of the deposit period, the income will be 75,000 rubles. There is an option to replenish the deposit.

Bank No. 8: Bank UniCredit Bank, deposit “For Life”

The deposit amount is 1 million. The interest rate is 7.25%, the deposit term is 1 year. Upon expiration of the deposit period, the income will be 75,599 rubles. There is an option for monthly payments, capitalization and preferential termination.

Bank No. 9: Gazprombank, investment income deposit

The deposit amount is 1 million rubles. Interest rate – 7.20%., deposit term – 1 year. Upon expiration of the deposit period, the income will be 72,395 rubles.

Bank No. 10: Bank St. Petersburg, deposit "Rantier online"

The deposit amount is 1 million rubles. Interest rate – 7.00%, deposit term – 1 year. Upon expiration of the deposit period, the income will be 70,384 rubles.

Where to invest 1,000,000, 50,000 -300,000 rubles to make money and not go broke?

Let's look at real examples of investing money and see how much we can earn from it.

Example No. 1: We invest 1,000,000 rubles and analyze profitability

Where to invest money in 2019 to make money? Let's say a person has a million rubles. One million rubles– this is quite a decent amount to invest for further earnings. Now the most important question: where to invest? Moreover, there are actually enough ideas out there. Take, for example, a bank deposit

Bank deposit- This is one of the most famous ways of investing money, which can also bring significant profits. So, for example, by choosing a bank deposit with an interest rate of 10% per annum, in a year you can receive one million one hundred thousand rubles per million.

If you make simple calculations, you can calculate that the profitability of this investment is 10%, this is an average figure, which, however, is within the limits of reliability.

Unambiguously answer the question “ What profitability is considered normal?“No, since everything is very subjective and depends on each specific area of ​​activity. For example, for production and sales, 10% is considered low, but given that bank deposits are completely passive income, then 10% is a completely normal figure. If you also calculate the average annual inflation rate, you can get an even more accurate answer.

In addition to bank deposits, the construction sector is of interest to investors. If you approach the issue from this point of view, for one million rubles you can buy a small studio apartment at the initial stage of construction, and then sell it for, say, 1.8 million. In this case, the profitability will be 44%, and this is already an excellent result. The real downside is that in construction you always need to take risks into account, and the final cost of the apartment can change, both up and down, which will differ by an order of magnitude from the expected cost.

Important: there are several types of profitability, but for this specific case, return on equity is suitableRoe, which is calculated by the formula (net profit/equity) * 100%.

Example No. 2: We invest 300,000 in a real business project

An investment of 300,000 rubles is a sufficient amount to open a small business, which can bring the entrepreneur a good income within the first year. If a person has 300,000 rubles available, the next step is, and this is a very important step. When choosing an industry in which to invest and not go broke, you should be guided not only by intuition, but also by conducting a thorough financial analysis and consulting with experienced investment professionals.

But just offhand, there are several interesting ideas that can be implemented quite successfully, they are listed below:

• Household goods . Household, or in other words, household goods are always needed by everyone. If you find suitable suppliers, you can open, for example, a small online store selling household goods. Over time, building materials can be added to household goods, and this is also always beneficial.
• Kitchen furniture . Talented designers and carpenters will never be left without work, so if you have the means, you can start fulfilling orders for the production of kitchen furniture. In order to open your own small workshop, you will need a production facility and several employees. Over time, after regular customers appear, it will be possible to expand production.
• Food delivery. Food delivery services are a very convenient thing and necessary for many. The work scheme is structured as follows: you will need to collect a database of suppliers, these could be small cafes, snack bars, pizzerias, and then the user orders food through a delivery service and pays money for delivery. The advantage is the fact that it is not necessary to have your own fleet of vehicles; it is enough to connect drivers or a taxi service to the system.
• Bakery shop . Opening your own bakery production shop is also a very interesting business, but at the same time, it has its own difficulties. So, for example, in order to start working you will need to obtain special licenses for food production and permits from the SES, an environmental certificate and others. But, if things go well, you can gain a current client base, over time make good advertising for yourself and maybe expand.

These were just a few of the ideas, but in fact there are many more if you look for them.

Example No. 3: Where to invest 50 thousand rubles to make quick money?

50 thousand rubles is not that much money, but even it, with a competent and thoughtful approach, can bring a good income. Of course, it’s unlikely that you’ll be able to start your own business from scratch with that amount of money, but you’re welcome to invest in existing projects or take on additional funds!

Humanity now lives in a world where the Internet is developing very, very rapidly, and this is a huge plus. Nowadays, almost any information can be found on the Internet, where you can get acquainted with real stories, as well as take into account the advice and recommendations given by experienced entrepreneurs.

So, the most suitable industries for investing 50 thousand are:

• Services sector;
• Franchising;
• Network marketing;
• Dropshipping or direct supply system;
• Vending;
• Infobusiness.

These are just some of the ideas for investing in which do not require huge amounts of money, can be carried out with the participation of attracted partners and, in addition, these investments can bring good profits.

For example, well-thought-out franchising, in a good situation, can bring profit in the first months, since there is already a well-known name and a well-established work scheme.

The same applies to information business, but here it is important to choose a successful project. You can promote your project, and if you do it skillfully, you can soon feel the first successes from your work.

Conclusion + Video on the topic

In conclusion, I would like to say that no matter what idea is chosen or what project is launched, the main thing is to be patient. You shouldn’t expect everything to come literally the next day; you should always remember that patience is the key to many doors.

Watch a video with an example of investing:

After all, only through your own experience, your own achievements and failures, can you achieve something. And in order for work to be enjoyable, it is still better to invest money in those areas that arouse at least some interest and personal involvement. And then, over time, success and luck will come, and, of course, economic efficiency!

Index funds allow you to earn income from investing in the stock market completely passively. For example, if you invest in a fund based on the S&P 500 index, your money will be invested in the overall market, and you won't have to worry about how to manage your money or whether to sell or buy shares of certain companies. All these points will be managed by the fund, which forms its investment portfolio depending on the state of a particular index.

You can also choose a fund that covers any index. There are funds involved in various business sectors - energy, precious metals, banking, emerging markets and others. All you have to do is decide for yourself that this is what you want to do, then invest the money and relax. From now on, your stock portfolio will run on autopilot.

1. Make videos for YouTube

This area is developing very quickly. You can make videos of absolutely any category - music, educational, comedy, movie reviews - anything... and then post it on YouTube. Then you can connect Google AdSense to these videos, and automatic advertising will appear in them. When viewers click on these ads, you will earn money from Google AdSense.

Your main task is to create decent videos, promote them on social networks and maintain a sufficient number of them to provide yourself with income from several clips. Shooting and editing a video is not that easy, but once done, you will have a source of completely passive income that can last for a very long time.

Not sure you'll succeed on YouTube? Michelle Phan combined her love of makeup and drawing with video production, gained more than 8 million subscribers, and now launched her own company with a capitalization of $800 million.

1. Try Affiliate Marketing and Start Selling

This is a passive income technique that is more suitable for owners of blogs and active Internet sites. You can start promoting any products on your website and receive a fixed fee or a percentage of sales.

Making money this way is not as difficult as you might think because many companies are interested in selling their products in as many places as possible.

You can find partnership offers either by contacting manufacturers directly or on specialized websites. It is best if the advertised product or service is interesting to you or matches the theme of the site.

1. Make your photos profitable online

Do you like photography? If so, you may be able to turn this into a source of passive income. Photo banks, such as and, can provide you with a platform for selling photographs. You will receive a percentage or flat rate for each photo sold to a website client.

In this case, each photo represents a separate source of income that can work over and over again. All you need to do is create a portfolio, upload it to one or more platforms, and that's where your active work will end. All technical issues related to photo sales are resolved using the web platform.

1. Buy high-yielding stocks

By creating a portfolio of high-yield stocks, you will receive a source of regular passive income with an annual interest rate that is much higher than the interest on bank deposits.

Don't forget that high-yielding stocks are still stocks, so there's always the possibility of capital overvaluation. In this case, you will receive profit from two sources - from dividends and return on invested capital. To purchase these shares and complete the appropriate forms, you will need to create a brokerage account.

1. Write an e-book

Of course, this can be quite a labor-intensive process, but once you write a book and publish it on marketplaces, it can provide you with income for years. You can sell the book on your own website or enter into a partnership agreement with other websites that are similar in theme to the book.

1. Write a real book and get royalties

Just like writing an e-book, there's a lot of work involved at first. But when the work is completed and the book goes on sale, it will become a completely passive source of income.

This is especially true if you manage to sell your book to a publisher who will pay you a royalty on the sales. You will receive a percentage of each copy sold, and if the book is popular, these percentages can add up to significant amounts. Moreover, these payments can last for years.

Mike Piper of ObviousInvestor.com recently did just that. He wrote a book, Investing Plain, which was sold only on Amazon. The first book became so profitable that he created a whole series. These books total .

1. Get cashback on credit card transactions

Many credit cards offer cash back ranging from 1% to 5% of the purchase price. You still go shopping and spend money, right?

Such bonuses allow you to provide yourself with a kind of passive “income” (in the form of reduced spending) from actions that you perform anyway.

1. Sell ​​your own products online

The possibilities in this area are endless: you can sell almost any product or service. It could be something you created and made yourself, or it could be a digital product (software, DVDs, or instructional videos)

For trading, you can use a specialized resource, if suddenly you do not have your own website or blog. In addition, you can enter into a partnership agreement by offering goods to sites on relevant topics or using platforms like (American marketplace for selling digital information products - editor's note).

You can learn how to sell products online and earn quite a lot from it. This may not be completely passive income, but it is certainly more passive than a regular job that you have to go to every morning.

1. Invest in real estate

This method falls more into the category of semi-passive income, since investing in real estate involves at least a small level of activity. However, if you have a property that you're already renting out, it's mostly just a matter of maintaining it.

Additionally, there are professional property managers who can manage your property for a commission of approximately 10% of the rent. Such professional managers help make the process of receiving profits from such investments more passive, but they will take part of it.

Another way to invest in real estate is to pay off a loan. If you take out a loan to buy a property that you will rent out, your tenants will pay off that debt a little each month. When the full amount is paid, your profits will increase dramatically, and your relatively small investment will turn into a full-fledged program for quitting your day job.

1. Buy a blog

Thousands of blogs are created every year, and many of them end up abandoned after some time. If you can acquire a blog with enough visitors—and therefore enough cash flow—it can be a great source of passive income.

Most blogs use Google AdSense, which pays once a month for advertising placed on the site. To provide additional income, you can also enter into partnership agreements. Both of these income streams will be yours if you own a blog.

From a financial perspective, blogs typically sell for 24 times the monthly income the blog can generate. That is, if a site can earn $250 per month, most likely you can buy it for $3,000. This means that by investing $3,000, you can receive $1,500 annually.

You may be able to buy the site for less money if the owner really wants to get rid of this asset. Some sites contain “eternal” materials that will not lose relevance and will generate income years after publication.

Bonus tip: If you buy such a site and then fill it with fresh content, you will be able to increase your monthly income, and you will be able to sell the site again after some time for a significantly higher price than you paid when buying it.

Finally, instead of purchasing a blog, you can create your own. This is also a good way to earn money.

1. Create a website that sells

If there is a product that you know a lot about, you can start selling it on a specialized website. The technique is the same as when selling a product of your own making, except that you do not have to deal with the production itself.

After some time, you may find that you can add similar products. If this happens, the site will begin to generate significant profits.

If you can find a way to ship products directly from the manufacturer to the buyer, you won't even have to get your hands dirty. This may not be 100% passive income, but it’s very close to it.

1. Invest in real estate investment trusts (REITs)

Let's say you decide to invest in real estate, but you don't want to devote any attention or time to it. Investment trusts can help you with this. They are something like a fund that owns various real estate projects. The funds are managed by professionals, so you don't have to interfere with their work at all.

One of the main advantages of investing in REITs is that they typically pay higher dividends than stocks, bonds and bank deposits. You can also sell your interest in the trust at any time, making such assets more liquid than owning real estate on your own.

1. Become a passive business partner

Do you know a successful company that needs capital to expand its business? If so, you can become something of a short-term angel and provide that capital. But instead of giving a loan to the owner of the company, ask for a share of the shares. In this case, the owner of the company will manage the work of the company, while you will be a passive partner, also taking part in the business.

Every small business needs a source of referrals to support sales. Make a list of entrepreneurs whose services you use regularly and whom you can recommend for cooperation. Contact them and find out if they have a system for paying for referrals.

The list could include acquaintances: accountants, landscape designers, electricians, plumbers, carpet cleaners—anyone. Be prepared to recommend the services of these people to your friends, relatives and colleagues. You can earn a commission on every referral just by talking to people.

Don’t underestimate referral programs in the professional sphere either. If the company you work for offers bonuses for referring new employees or new clients, take advantage of it. This is very easy money.

1. Rent out your unused property on Airbnb

The concept appeared only a few years ago, but very quickly spread throughout the world. Airbnb allows people to travel the world and pay much less to stay than in regular hotels. By participating in Airbnb, you can use your home to host guests and earn extra money just from renting.

The amount of income will depend on the size and condition of your home and its location. Naturally, if your home is located in an expensive city or near a popular resort, the income will be much higher. This is a way to make money from free spaces in your home that would otherwise be empty.

1. Write an application

Apps can be an incredibly lucrative source of income. Think about how many people have smartphones today. Yes, almost everything! People are downloading apps like crazy—and for good reason.

Apps make people's lives easier. Whether it's helping you post pretty pictures or keeping track of tasks, there's always an app that's useful to someone.

You might ask: If there are so many apps out there, why would you try to create another one? Is there too much competition? This is all true, but fresh, creative ideas can benefit. If you can come up with something unique, you can make money from it.

Don't know how to program? No problem, you can learn. There are a lot of different courses on the Internet, including free ones. Alternatively, you can hire a developer to create an app based on your idea.

The end result is an application that will potentially generate relatively passive income.

1. Create online courses

Every person is an expert in something. Why not create an online course about your passion?

There are several ways to create and deliver your own online courses. One of the easiest ways is to use sites like

It's nice to profit from money that was earned before. Making money work requires knowledge and understanding of the situation. There are investment methods for beginners and financial pros - we offer an overview of the most popular options.

The question is as old as time. A person feels ideally settled in life only when he withdraws decent amounts from a bank card without doing anything for it. Making a profit from what you have earned before, and thus ensuring your present and future, is a sign of a person with a good head.

There is no need to consider the conclusions made in the article as a guide to action - what turned out to be profitable for the author may not suit you. Choose ways to earn money yourself, then you can rightfully consider both laurels and thorns only yours. However, first it will be useful to dwell on how to make money today on what you earned yesterday.

Let's look at what methods of generating income from invested money exist, and try to determine the most profitable one.

Bank deposits

Nothing could be simpler. You transfer your money to the bank and receive a certain percentage of the deposit amount. The bank makes money using your money.

A simple example. You deposited a certain amount at 10% per annum. After a year, you receive your money and 10% on top (which can be received in monthly installments). The loan rate at this bank is 20%. Thus, the person to whom your money will be loaned will pay the bank 20% of the loan amount for it, and the bank will earn 10% from the intermediation.

The scheme is simple, understandable, predictable and the most reliable. Other financial instruments cannot boast of such predictability. Moreover, deposits over 700 thousand rubles are insured by the state and are guaranteed to be returned to the depositor, regardless of the financial condition of the bank. An amount over 700 thousand can be divided into several deposits, protecting yourself from losing money in the event of bank bankruptcy.

It’s easy to calculate your income using the loan calculator on your bank’s website on the Internet. Despite the high reliability of a bank deposit, its low yield does not allow it to be considered profitable. The method is good for initial savings with subsequent investment in more profitable areas, as well as as a cash “airbag”.

PAMM accounts

Thus, the trader takes risks together with investors. Profits and losses are automatically distributed at the end of the trading period between the PAMM account manager and investors according to the offer - a public agreement that sets out the conditions. The investor’s participation is thus limited to choosing a manager and investing money in his PAMM account (see “”).

The convenience of PAMM accounts is that for investment you do not need to have special knowledge and a minimum initial investment threshold. Disadvantages - complete trust of your own money to a third party and the inability to influence the result.

Mutual investment funds (UIFs)

A slightly less popular way of investing. Mutual funds are a kind of financial accumulator where the money of small investors (shareholders) is collected and used by managers for various types of investment in order to make a profit. These funds can be invested in stocks, bonds, precious metals, currencies, etc.

Funds are not just invested - they are managed. Assets are purchased, for example, at the moment of the minimum price with reasonable confidence that an increase in their value is required. To determine this probability, technical and fundamental analysis are used.

The economic situation in the world, the region, economic and political news and a host of other components that are difficult for the average person are analyzed. The task of mutual funds is to save a person from all these difficulties, receive their money and earn money from it for themselves and the average person, who, while earning in this way, does not need to be distracted from their main activity.

Perhaps an investor in a mutual fund will master the business after a while and start investing on his own, but that will be a different story. For successful investments, the “right” mutual fund must be chosen. There are plenty of recommendations for choosing on the Internet, and for those who are especially interested, we can recommend taking the “Successful Investor” training, where you can learn the ABCs of profitable investing.

The advantages of mutual funds include a low investment threshold, strict government control of activities, professional management and absence of taxation for the investor.

Disadvantages of mutual funds are higher risk compared to fixed income instruments, costs for issuing and storing certificates, payment of remuneration to the management company regardless of profitability, and some others.

Stock

A share is a security that indicates the owner's share in the capital of a company and entitles its owner to a portion of the company's profits. Much has been written about what types of stocks are and what their differences are. Compared to other investment methods, investing in stocks is the most profitable in the long term, but also the most risky. Investing in the purchase of shares forces you to constantly monitor the situation on the market, avoiding capital losses due to a decrease in the value of shares in times of crisis.

Bonds

Bonds are debt securities that guarantee their owner to receive a certain amount of money from the issuer. Designed for those who do not like to take risks. High yields on bonds are impossible - they are usually comparable to the yield on deposits.

Such an instrument cannot be considered profitable, but it is quite suitable as a way to diversify investments. The term diversification means the distribution of investment capital between risky and reliable instruments. Reliable ones (such as gold, deposits, bonds) with a minimum return allow you to preserve the capital invested in them, regardless of the market situation.

Forex

Forex (FOReign EXchange) is an interbank foreign exchange market at free prices. Essentially, this is speculation in various currencies. For example, having bought 100 euros for 130 dollars, after some time you sell them for 160 dollars, earning 30 dollars.

Trade currency pairs on Forex, as shown in the example. The value of currencies depends on many factors and is constantly changing. For example, the financial instability of individual eurozone countries (Greece, Spain, Portugal) leads to the fact that investors, fearing a fall in the euro (this currency is needed to support the financial systems of these countries), get rid of it. Its volume on the Forex exchange is growing, its value relative to other currencies is falling. It is from such fluctuations in rates that they make money on Forex.

You can, having previously trained, trade Forex on your own, or you can trust your money to professional traders. The investment method, despite widespread advertising, is questionable. If you trade yourself, you have experience, knowledge, strategy, will - this is your method. But the statistics are inexorable: only a few made fortunes on Forex, but millions of burned-out optimists. So, it's up to you.

Endowment life insurance

Or insurance in case of unforeseen circumstances. It differs from conventional insurance in that it combines health and life insurance with the accumulation, preservation and increase of capital. Regular insurance involves the payment of a certain amount upon the occurrence of an insured event, and with accumulative insurance, if such an event does not occur during the term of the contract, you can receive the entire accumulated amount at once or certain monthly payments until the end of life. Naturally, this method of investing cannot be considered highly profitable.

General Funds of Banking Management (FBU)

OFBUs are very similar to mutual funds, but have broader investment functions. On the one hand, this expands the possibilities for increasing profitability, on the other, it increases risks. There are known cases of profitability of investments in OFBU up to 600% per annum.

A negative factor can be considered that, unlike mutual funds, OFBUs are much less controlled by the state. Sometimes OFBUs end in complete collapse due to the lack of professionalism of managers. There is enough information on the Internet about the work of OFBU. Recommendations for investing in OFBUs are very restrained. It is recommended to invest amounts that are not very difficult to part with. I think comments are unnecessary.

Hedge funds

There is a new and unpopular type of investment in Russia. At the current stage, this tool is available to a small group of wealthy investors. Hedge funds are extremely popular in the Western market. The minimum investment entry ranges from several hundred to a million dollars.

The lack of intelligible regulatory regulation allows you to freely choose investment strategies and use the widest range of investment tools. As a result, you can either end up with super profits or suffer huge losses. A striking example of a hedge fund is the famous Quantum fund, the brainchild of a financial game genius who once managed to make a fantastic profit of a billion dollars in one day.

Structured (structured) products

They are a set of financial instruments usually offered by investment and commercial banks for certain categories of clients. Structured products gained particular popularity during the crisis, when the market situation required the search for reliable investment methods that could provide income greater than bank deposits.

The principle of a structured product is simple: approximately 80-90% of investment capital is placed in bank deposits, and the remaining 10-20% is invested in futures and options. In case of unfavorable developments, the investor remains “within his own hands”, without losing anything, and with a successful investment, he receives a profit of 20-30%. Not very much, but higher than the return on deposits.

By the way, a small but stable profitability is a sign of the manager’s high professionalism. Investment genius Warren Buffett has been earning his clients 24% per annum for many years. The figure is not impressive at first glance - only Buffett can provide such constant profitability.

Gold and other precious metals

For most, wealth has a golden sheen. Gold can hardly be considered a profitable investment, although its price has recently jumped significantly. During periods of crisis, gold helps preserve savings. During such times, investors are freed from stocks, bonds and other products and purchase gold. When the crisis eases the economy and profitable investment options appear, the demand for securities increases. This is why gold prices rise during periods of crisis and then most often fall.

Real estate

Real estate is always profitable for investment. In itself, it is constantly growing in price and, in addition, allows you to receive income from renting it out. But the trouble is that real estate is very expensive and can only be considered as an investment by very wealthy people. If you have a lot of capital, then investing in real estate may be an option.

You can get by with less money if you invest in real estate during the construction phase. In this case, you will have to periodically pay the cost of housing in certain installments. It is necessary to calculate a specific option, if there is a possibility of payments and this will not affect your standard of living, then you can invest at the construction stage, when the cost per square meter is much lower than the constructed housing.

Business

So, the main options for financial instruments have been revised. Each of them has its own advantages and disadvantages. The principle is obvious: the more reliable the investment, the lower its profitability and vice versa.

The last option, which has not yet been described, is your own business. What determines the profitability of your own business? Only from its owner. No one sets the rules and conditions here: imagination, efficiency, and ingenuity are the key to a businessman’s success. Of course, there are various external circumstances that affect the business, but they are not critical and everything is in the hands of the owner.

Often, the right business brings in at least 100% per annum. In addition, you become a creator and participant in an exciting process in which almost everything depends only on you. Along with your business, a person also changes: you become stronger, more confident in yourself, and in general, you grow as a person.

In addition, you still have the opportunity to invest your earnings in various instruments to generate additional income. In life you can never count on anyone for the most important things. Only you yourself can become the master of your life, no one else. I made my choice: the best investment is my own business. Join us and I wish you good luck!

5 (100%) 5 vote[s]

A rhetorical question that always worries investors: “how can you effectively preserve and increase your capital, where to invest money”? With the development of the economy and the widespread spread of the Internet, many options for investing money have appeared. This article will only cover the available options for each. We'll look at the risks, returns, advantages and disadvantages of each investment method. The material is written in accessible and understandable language for novice investors.

Note 2

You can also buy foreign shares through these brokers. In this case, we also insure ourselves against the currency risk of a ruble collapse.

I advise you to read the following material for a better understanding of the specifics of the stock market:

2.2. Risks in the stock market

The stock market has only one disadvantage - risks. But they are more related to short-term vision. That is, if we consider investments in securities for a couple of months, it is impossible to accurately predict what the income or loss will be. Therefore, it is recommended to invest only with long-term intentions (from a year).

There is such a popular passive strategy: buy and hold. As practice and experience from previous years show, it brings good profits and does not take up time.

The risks of large companies going bankrupt for no apparent reason are negligible. In addition, when investing in the stock market, it is worth creating an investment portfolio (a set of shares and bonds of different companies and from different sectors of the economy). This greatly reduces risks. Periodically (once a quarter) you need to review your portfolio so as not to hold shares of problem companies. The situation is constantly changing, so you need to quickly adapt to new realities and always have only the best securities in your portfolio.

For example, you can focus on those stocks that pay good dividends from year to year. Such securities are also called “dividend shares”. This is what many investors with large capital do.

The main thing is not to sell your shares during crises, since at this time securities are undervalued. The best time to sell is during the euphoria of growth. But how to determine the peak of growth is a difficult question. Even top experts are unable to accurately predict this moment.

In order not to create an investment portfolio yourself, you can simply buy ETF funds. It is a copy of the MICEX stock index. There are also other investment options with ETFs. For example, US Treasuries, gold, SP500 index.

How not to buy stocks at a peak

Since no one knows when a stock is at its “peak” and when it is at its “bottom,” you should buy them in equal amounts periodically. This way we will never buy at the peak. The average purchase price will lie somewhere in the middle. Of course, if the price has been falling for a long time, then you can, if possible, buy the asset with a larger volume.

2.3. Advantages and disadvantages of the stock market

• Liquidity (you can quickly and without large commissions withdraw money into cash)
• Prospects for great income
• Reliability (we invest in large and reliable businesses)
• You can invest big money

• Risks of short-term investment
• The market is cyclical and therefore there will be regular periods of drawdowns
• Risks of investing money at its peak

3. Bank deposit - as an option for storing money

Bank deposits are in first place in terms of the number of investments in our country. Mutual funds and the stock market lag significantly behind. In the United States, the situation is the opposite: Americans more often invest in securities than in deposits. Most Americans have a brokerage account. As statistics show in Russia, the stock market is gradually becoming more popular among the general public.

Deposit rates are at the inflation level or slightly lower. It is impossible to talk about earnings with such an investment. In fact, the bank only offers to save and save money. In any case, this option is better than storing money “under the pillow” at home.

A deposit is the most predictable and reliable method of accumulation when it comes to relatively small amounts of up to 1.4 million rubles. There are absolutely no risks, since the DIA (deposit insurance agency) will pay the entire deposit amount after two weeks if the bank’s license is taken away. If your amount is more than 1.4 million rubles, then you can simply distribute the money to several banks. This will ensure that all your money is fully insured.

3.1. Advantages and disadvantages of deposits

• There is an exact end date
• Do you have accurate income data?
• The amount is insured up to 1.4 million rubles, but you can increase it by depositing money in several banks

• Relatively low income
• It is inconvenient to store large amounts (it is necessary to put them in different banks for guarantees)

4. Investments in foreign currency - as an option for storing money

Storing money in foreign currency is becoming an increasingly less popular way. Indeed, what is the point of keeping rubles in dollars and euros when they rarely grow, and during this time you can make good money on deposits or the stock market?

If you have relatively large capital (more than 10 million rubles), then you can recommend buying some foreign currency to diversify the risk.

4.1. Which currency is better to buy

It makes no sense to buy many different currencies, since everything in the world is pegged to the dollar. It is enough to buy “hard” currencies:

1. dollars
2. British pounds
3. Swiss francs

The dollar option has its significant advantages. For example, having bought 5,000 dollars on the MICEX currency section, you can invest them in Eurobonds of Gazprom or VEB. The coupon income on them is 8.7% and 5.6% per annum, respectively. This will be a great way to store currency and grow it at the same time. Plus, the dollar is the most liquid instrument, which will allow you to exchange it at any time at the market rate.

An alternative option is to store currency in bank deposits. True, the rates on them are extremely small. Finding a deposit at at least 1-2% per annum will be good. But is it worth putting money at such a low interest rate? Considering the investment for many years it is worth it. It makes sense to buy currency for a couple of months only for speculative purposes.

Many will remember 1998 and 2014 in Russia, when the ruble depreciated greatly against international currencies. Yes, crises happen, but it doesn't happen that often. You shouldn't always wait for a crisis. It is much more effective to act according to the situation.

The dollar can easily collapse in comparison to other currencies in the world. The US has a powerful economy, but it also has its share of problems. Such situations have happened more than once in history, so keeping money in dollars during a period of strengthening of the ruble can even lead to losses.

4.2. Where to buy currency at a favorable rate

It is most profitable to buy currency on the MICEX currency section. Here you can buy and sell currency at the exchange rate. All exchange offices and even the Central Bank rate for the next day are guided by this rate.

To enter the currency section of the exchange you will need the same brokers:

4.3. Advantages and disadvantages of storing currency

Advantages of storing money in foreign currency

• We do not depend on the ruble exchange rate
• A good and liquid option for risk diversification

Disadvantages of storing money in foreign currency

• Extremely low interest rates on foreign currency deposits
• Ruble devaluation is extremely rare

Read also:

5. Invest in real estate

Buying real estate has always been and will be a trend among our population. True, the cost per square meter of housing has dropped significantly since 2014. However, as the history of past years shows: real estate prices rise on average by 5% per year.

If we stick to this mark, it turns out that our fortune will grow by only 5% per year. This is even less than a bank deposit. Don't forget about the monthly rent either.

However, we can rent out properties. Rental profitability is somewhere around 5-8% per annum. In this case, we can count on a stable 10% per annum from our real estate investments. But that's the best case scenario. Still, it is more realistic to focus on a yield of 5-6%.

There are virtually no risks of storing money in real estate. There is only a risk that no one will want to rent housing for a long time or that taxes on owning a large living space may rise significantly (this has already been said more than once).

5.1. Advantages and disadvantages of storing money in real estate

Advantages of real estate:

• Super reliable
• Stable income, albeit small

Disadvantages of real estate:

• Low-liquid asset (difficulty selling quickly)
• Large investments are required (from 3 million rubles)
• Only new buildings are rising in price, and they are more expensive

Note

Few people think about it, but instead of buying an apartment, you can buy a garage. Its payback is much higher. For example, if a garage costs 300 thousand rubles, then you can rent it out for 3,000 rubles, which is 12% per annum.

6. Investing in cryptocurrency - risky but profitable

Cryptocurrency burst into our lives very quickly (what is cryptocurrency in simple words). Its sharp exchange rate fluctuations attracted tens of thousands of new traders and millions of ordinary users. As of 2020, we can safely consider it as an option for investing part of our funds.

Why is it worth doing this? Cryptocurrencies are promising in the future when they take over a wider market. At the moment, not many companies accept them yet, but this is already an indicator of trust in them.

The exchange rate growth cannot but please cryptocurrency owners. In 2017, the market grew tens and hundreds of times. Of course, it cannot and will not grow so quickly forever, but nevertheless, the chances of growth are much greater than of falling.

These are extremely risky assets, but on the other hand, potentially the most profitable, so it is better to invest only part of your funds here.

Among the promising cryptocurrencies that are worth buying:

• Ethereum()
• Cardano (ADA)
• Litecoin (LTC)

6.1. How to invest in cryptocurrency

There are several ways to buy cryptocurrency; let’s look at the best ones.

Some still don't know where is it profitable to invest money and how to make a profit from investments!

What you need to know about investments?

Where is the best place to invest money?

What should you know about where to invest your money profitably?

Investing money is always a risk.

Even the most reliable banks can fail, and getting your funds back can be difficult.

It is not possible to avoid this 100%, but you can choose the most reliable place and make sure that even if the organization collapses, you will get back what you invested.

What a person investing for the first time needs to consider:

You should not invest all your savings in one place.

The investment must be documented.

This is a mandatory measure that will allow you to get your money back in unforeseen circumstances.

Pay attention to deadlines.

If you wish to receive your funds earlier than the period specified in the contract, you may lose the accumulated interest.

Consult with friends and relatives, find out where is it profitable to invest money.

10 ideas where it is better to invest money

When investing money, you should consider several options and choose the best one that suits you.

The best ideas where you can invest your money:

Suitable as an additional way to save and increase funds.

Few people know what mutual funds are and are afraid to invest their money in them, but in vain.

Income from mutual funds is average, but stable.

In a year or two you can get about 40% of the initial amount.

Real estate.

Investing in real estate is the best option.

Real estate prices can rise and fall, but they always rise in the end, and selling an apartment at such a moment brings great profit.

It is also possible to rent an office.

Owning your own business is a great way to invest, save and increase money.

In order not to lose money, you need to draw up a clear, as detailed plan as possible, weigh all the pros and cons and choose the business that suits your liking.

Shares and securities.


Over a long period of time - about 5 years, the invested money grows many times, however, in order not to lose funds, you must have some experience in trading securities and have at least minimal financial knowledge.

In order not to get burned, you should choose a manager who will do everything necessary.

Metals: gold, silver.

To purchase bars and coins, you need to contact Sberbank of Russia.

You can also purchase gold-backed securities by visiting stock exchanges.

The investment is highly effective, but it should be borne in mind that when selling gold bars subsequently, you will have to pay a tax of 13%.

Own website.

The investment in creating a website is not too high and is completely worth it.

One well-promoted site can bring in up to 40,000 rubles every month, depending on the amount of advertising placed.

Venture fund.

Venture funds today are considered a worthy alternative to other financial instruments.

The investment is worth it, but you need to wait a few years to see a profit.

Own development.

A person who wants to increase his capital and earn big money should never forget about his own development.

Investments in this case are made in education, appearance, knowledge of the world - travel, seminars and trainings.

A well-educated person will always find his place in the world.

Art.

By purchasing and selling art objects: paintings, first editions of books, antiques, you can earn a lot of money.

But to do this, you need to understand the value of things, be able to separate the wheat from the chaff, or resort to the services of a specialist.

When deciding whether where is the best place to invest money?, you need to calculate all the possible developments of events.

In order not to lose all your investments at once, in the event of negative developments, it is recommended to invest money in several different directions.

The question of where to invest money most profitably worries, as a rule, those who are unfamiliar or poorly acquainted with the principles of increasing profits and investment methods.

Advice for those wishing to invest their money:

1. It is necessary to think about saving and increasing funds in those periods when everything is in order with finances, and the payment of a large debt is not hanging on your nose. Panic sometimes forces you to take the wrong actions.
2. Within six months, you should accumulate an amount that will be deposited in the bank at interest. The larger the amount, the more you will ultimately be able to withdraw from the account.
3. Always strive for financial freedom. Do not reassure yourself that today everything is fine and nothing more is needed.
4. If you have children, think about their future right now. You can open a savings account in the child’s name and put money into it until they reach adulthood.
5. Create a new source of additional income every three to four months.
6. The most effective ways to invest remain the same from year to year. These are real estate, investments in precious metals, and stock markets.
7. Gold is most liquid in bullion rather than as numbers in a brokerage account. It is best to invest in gold indices on the stock markets.
8. You should only use the stock market as a means of investing and growing your capital if you are confident in your financial knowledge and abilities.
9. It is best to think about securing your future at the age of 20-30. However, due to inexperience, you should seek the help of specialists so as not to lose your investment.

Investments without losses: where is it better to invest money?

By following the basic rules compiled by investment specialists, you can achieve a multiple increase in capital and reduce risk.

Main rules of investing:

Reinvestment.

The funds received through investment should not be spent immediately.

They need to be invested in other projects, leaving a certain percentage of the profit for necessary expenses.

Don't invest your last money.

If you invest everything you have in your wallet, you may be left without any means of subsistence.

The main rule of successful investment is to act wisely, and investing all your last funds is a crazy act.

Care when concluding transactions.

Read all documents, request a contract and consult with specialists.

Investing money “in different baskets.”

One project will bring money earlier, another much later.

To always make a profit, you need to calculate the funds and distribute them across different baskets - deep and lower.

Where is the best place to invest small amounts of money during a crisis?

you will learn from the video:

Where is it profitable to invest money - features of investing in real estate

Real estate transactions are more popular today than investments in mutual funds and funds.

Many people purchase housing at the stage of its development at a minimum price, and subsequently resell it, receiving a good percentage.

However, there are several pitfalls in this matter and the risk of running into an unscrupulous developer.

To get the most out of your real estate investment, you should buy one- and two-room apartments, but not three-room apartments, as they are less affordable.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are best left to local residents.

Selling an apartment in the capital will be very difficult.

To find a buyer faster, you should make cosmetic repairs in a new building.

There are many answers to the question where is the best place to invest money?, but everyone chooses the correct answer for themselves, in accordance with their capabilities.

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