The most profitable and reliable investment. Where it is more profitable to invest: expert advice. Where to invest to get monthly income. Gold and precious metals

Nobody objects that there is no extra money. But it happens that free funds appear. It can be a nicely fallen legacy, a big prize, a project that has worked well. For some, this will be a reason to spend it with pleasure, while others will think about how to save this money, and it is better to increase it. Let's try to reflect on where to invest in 2020 to make money. To correctly answer this question, let's get acquainted with the concept of "investment".

Basic terms

Investment refers to material and intellectual means aimed at making a profit using various financial instruments or commercial actions. Investments can be:

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

In terms of time, investments can be:

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

Investment portfolio - a set of all types of investments in various instruments that make up the investor's assets. For example, investments in deposits, bonds, real estate, business.

Types of investments

The problem of choosing investments for individuals is not that there are few offers. Quite the opposite, there are a lot of proposals for investing money, even if you dismiss the not entirely legal and fraudulent options, when they offer to increase the amount significantly in a short period. But there are options that are controlled by the state, which guarantees compliance with laws and not using money in criminal schemes.

Such options can be roughly divided into risky investments and low-risk investments. By the level of risk, you can immediately judge the profitability, they are in direct proportion. If you want to make more profit, you will have to take more risks. Let's consider some well-known and popular types of investments.

Investing in your education

This is the only kind of risk-free investment. At the same time, it is deservedly considered a highly profitable type of investment. And most importantly, any other investment is best to start with gaining knowledge of investment in general and deeper knowledge of the selected types. This may not always be the case if you engage in self-education, but you can also choose training trainings, courses, consultations.

Bank

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

The property

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

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

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

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

Bonds

Making a profit from buying bonds is another low-risk way of investing money. At their core, bonds are securities issued by companies and act as IOUs. The borrowers of the bonds can be private companies or public companies.

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

Stock

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

There are two ways to profit from stocks:

1. At the expense of dividends paid on existing securities.
2. In the form of profits from the purchase and sale of shares in the stock markets.

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

Currency market

The Forex market is a very risky investment. Earn on it by changing the course when buying and selling. Ideally, the purchase price is lower than the sales price. But course changes can be so unpredictable and rapid that a lack of knowledge and experience leads to a quick loss of investment.

Cryptocurrencies

If possible, getting a quick and large profit with Forex can only compete with the cryptocurrency market, where the profit is sometimes estimated at several hundred, or even thousands of percent. Accordingly, the risks are higher here than in other markets. The work with cryptocurrencies is becoming more complicated and the status of this financial instrument remains a controversial issue all over the world. The emerging scandals, bans have a very strong effect on the already unstable rate of cryptocurrencies, turning the market around and devaluing existing assets.

Management companies

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

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

Mutual fund

Mutual investment funds specialize in professional work with stock markets. For people who are willing to take risks, but have no experience in stock trading, mutual funds are a good alternative to brokers. Here you can buy small shares, or it is better to distribute the invested money over several shares, in which case the risk will noticeably decrease. The cost of shares is available to almost everyone, because it starts from 1000 rubles. Such a contribution will not bring a lot of money, but it will allow you to get not very expensive experience.

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

IIS

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

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

Venture funds

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

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

Business

A great way to invest money, sometimes very small to increase it, open your own business or become a business partner. There are many possibilities for this. People who are able to do something better than others are still in demand. Opening workshops for repairing equipment, sewing clothes, selling handmade goods with a competent approach can become the beginning of a successful business. No one argues that organizing a business will require more time and effort than opening a deposit, but the return will be more significant.

In our time, excellent opportunities for starting a business and attracting investment in it are provided by the Internet, where the number of potential customers and buyers is not limited. You can open online stores, advertise the services provided, and engage in wholesale trade. Franchises are a good option for starting a business. When it is possible to buy the right to organize an already operating business, all stages of its creation and the requirements for the quality of products or services are discussed. In this case, the risks are reduced, and the ability to receive the necessary assistance allows you to reach profits in a fairly short time.

Where to invest 100,000 rubles

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

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

Overview of management and investment companies

The choice of management companies is one of the main components of a successful investment. For selection, it is most convenient to navigate by the rating of operating companies. They can be compiled according to different indicators. To determine the reliability of a company, it is worth looking at the size of its assets. The profitability rating of the offered financial instruments gives rise to deciding how profitable such investments are.

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

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

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

Ways to reduce losses

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

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

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

In contact with

So where is it profitable to invest your money to make it work? In this article, we will look at 5 popular ways of investing time-tested funds.

Hello, friends! With you Alexander Berezhnov, entrepreneur and one of the founders of the site "HiterBober.ru"

When writing this article, I drew on my experience, the experience of my friends, and also studied a huge amount of materials and talked with major millionaire investors in order to give the most competent and detailed answer.

With this post, I begin a series of articles on the topic "Where to invest money."

Here we will consider both popular ways of investing money and "exotic" ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.

At the end of the article, I will tell you where you should NOT invest money, so as not to burn out. So let's go!

1. The principles of wise investing or what experienced investors look at

Here we will look at the principles that should be followed in order to get a percentage of your investments above the bank with almost the same reliability.

Why do I say that it is practically the same? Remember the golden rule of investing?

The profit is always proportional to the risks that the investor takes on!

It may seem trivial to some, but the first thing to start investing with is to acquire the necessary knowledge. This means that it is best to invest the first money not in stocks, not in gold, not in a bank, but to make investments in yourself - they will pay off many times over. This is what the two richest men in the world recommend, Bill Gates and Warren Buffett.

After you have the necessary knowledge and understanding of various financial instruments, the principles of their operation, expected profit and risks, you can proceed to practice.

The principles of wise investing by the world's leading investors

Principle 1. Create a financial cushion

This means that without a certain financial base it is STRONGLY FORBIDDEN to engage in investment. The only exception is a bank deposit, since it is rather not an investment, but a savings instrument.

What is a financial pillow and how to create one?

Financial pillow- this is a six-month supply of money on which you and your family can live maintaining the usual standard of living, without having other sources of income.

You can create such a pillow by regularly setting aside financial receipts (salaries) or by selling existing property.

For example, if your family is used to living on 50,000 rubles a month, then you must have at least 300,000 rubles to start investing.

The exception when you can start investing money at interest without having a financial cushion is if you have passive income.

Passive income- the flow of money coming to you, which does not depend on your daily efforts, for example, from renting real estate, dividends on stocks or profits from an existing business.

Principle 2. Diversify your investment

For your money to work correctly, think about where to invest it in order to comply with the principle of diversification, that is, dividing funds into different investment instruments.

If you have become interested in the topic of investing, then for sure this concept is familiar to you. In other words, it means “ do not put all your eggs in one basket". If you have a basket of eggs and it falls, then all the eggs in it will break and you will be left with nothing.

This will happen with your savings (savings), if you invest all of them in one business (project) or investment instrument.

By the way, diversification involves not only investing in various financial instruments, but also in various sectors of the economy.

For example, if you invest in the stock market, then try to form your own investment portfolio* so that your money works in companies of different sectors.

Investment portfolio- the totality of all the assets of the investor. For example, if you have a deposit in a bank, stocks, real estate, business - all these tools for making a profit in terms of investments will be called your investment portfolio.

To make your investment portfolio as resistant to market changes as possible, invest 20% of your available funds in the banking sector, 20% in the oil and gas sector, 20% in the manufacturing sector, and 20% in the agricultural or food sector.

So, if one company (sphere) starts to suffer losses, then the rest will "pull" your funds up and will not let the portfolio sink.

Principle 3. Control risks

Risks- this is the main "problem" that absolutely all investors face.

Remember, before you invest somewhere, think about how much you can lose and only then how much you can earn.

Unfortunately, newcomers make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are rubbing their hands in anticipation of millions.

How are things going in practice?

But in practice, everything is different! Overestimating their strengths and experience, many people immediately try to engage in aggressive investment and lose money, instead of investing in more conservative instruments. So it turns out in the end that greed ruined the frayer ...

Investments are the same science as any other professional business, which means that you need to evolve in this direction gradually, going from simple to complex.

Start with 100 or with 1000 dollars, and God forbid you to invest large sums at once, especially in what you do not understand!

The height of illiteracy here is to borrow money at interest and try to quickly "crank" it in some "super profitable" way.

In 99% out of 100, this ends in the loss of the entire amount and the credit burden that hangs over you with the sword of Damocles.

Take your time, because if you become a specialist in the field of investment, then your future millions will not run away from you. On the contrary, if you are in a hurry and try to get rich instantly, then there is a great chance that you will never make big money.

Principle 4. Attract co-investors

As you gain experience as an investor, you can invest money together by forming investment pools. So you can get more opportunities - where to invest your money so that they work with maximum return.

For example, you have found any project or instrument that you think is attractive for investment, you have free funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on an equal footing with you.

In recent years, a fairly common topic has become pamm accounts... In this case, investors transfer to trust management* own funds to a professional financial asset manager.

Trust asset management- a type of financial and business relationship, where one person or company transfers its money (property) to another person - a trustee.

At the same time, the manager cannot dispose of these funds or property on the basis of ownership, but only has the right to use it to extract profit, a percentage of which he receives as a reward for successful management.

So several investors can create such pamm account put together and transfer this amount to trust, while all the risks of losses are assumed by the investors in proportion to the invested funds.

Investors can agree with the manager of such an account (trader) that he should stop working on the account when losses are incurred in a certain percentage of the size of the account.

If we sum up a small summary of such an investment scheme, then we see that investors are ready to donate, for example, 15% your money to potentially get 30% income.

Principle 5. Create passive income

Increasing your capital is very good, but equally important here is the creation of passive income from your investment activities.

Why is it so important?

If you understand my train of thought, then you are guaranteed to take a fresh look at investing your funds.

Illustrative example

You invested 100,000 rubles and received 130,000 rubles a year later, that is, you earned 30% on the money invested.

However, next time you cannot give a 100% guarantee that you will earn another 30% or more in a year. Considering that such profitability is much higher than the banking one, it means that the risks of this method are much greater.

You could even lose most or all of the amount if something goes wrong next time.

On the other hand, if for 100,000 rubles you could create passive income for yourself, for example, the same 2,500 rubles per month, which also amounts to 30,000 rubles per year, then in this case, you can easily borrow the same 100,000 rubles and invest them more conservatively, so your asset with passive income of 2,500 rubles is a guarantee of the return of the new loan amount of 100,000 rubles.

In order to better understand how to create passive income and then create assets with its help, I recommend playing the game “ Cash flow»The famous investor, entrepreneur and business coach Robert Kiyosaki.

By the way, here's what Robert Kiyosaki says about the importance of passive income:

2.What is the amount of money you can start investing

You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.

If you have no money at all, then just start saving at least for 10% from any of your income. So you will form the habit of creating a financial reserve for yourself and as your income rises, your savings will increase proportionally. Money will work for you while you relax.

All famous people who teach success and proper handling of personal finances say that you need to save money: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.

The fact is that with an increase in income, many people begin to spend even more and even take out loans, since they do not have enough money all the time. It is called "Got hold of a good life".

Control your balance between income and expenses all the time, live within your means!

One of the safest and most profitable ways to invest is starting a franchise business.

Do you want a reliable investment option? Take advantage of the offer of our website partners: become a co-owner of a Japanese cuisine restaurant chain.

The project is being handled by Alex Yanovsky, a businessman with 20 years of experience, who has launched many successful startups from scratch. At the time of this writing, 125 restaurants in 80 cities and 8 countries of the world have been opened on the Sushi Master franchise.

My friend Sergei, opened in Maykop a Sushi Master point in the island format, having invested 1.5 million rubles, and after six months he already recouped his investment. So the scheme works not only in theory, but also in practice.

In section 4, I will describe in detail how to competently open a business for this franchise, investing quite a moderate amount in a promising direction of public catering.

Here's what Alex says about the pros of starting a franchise business:

3. Where to invest money to make it work - 5 profitable ways to invest

Nowadays, many people are dazzled by various proposals - where to invest their money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super-course, after completing which you will become a millionaire in a week.

But in most cases, all these "magic pills" are nothing more than a good way to take away your savings.

Now we will look at the classic methods that allow you to invest money in understandable instruments with predictable profitability and moderate risks.

Method 1.

This is the most popular way to save money, but its income is barely comparable to the country's inflation rate. So if you invest money in a bank and keep it there from year to year, then at best you simply will not lose it, there is no question of more or less tangible earnings.

Now in Russia a law has been adopted that guarantees payments on deposits in 1,400,000 rubles in case the bank goes bankrupt. This applies to all banks holding an official banking license.

Previously, the sum insured was 700,000 rubles... That is, if you invested your money in the bank and for some reason it ceased to exist, then the state will compensate you for your money if the amount of the deposit does not exceed the insurance one.

Now in our country there are hundreds of banks with interest rates from 5% before 12% .

Historically, the most popular bank among our citizens is Sberbank, although here the interest on deposits is one of the lowest, but a large branch network and high reliability of the bank itself allow it to remain the leader in terms of deposits.

Pros and cons of investing money in a bank deposit

Pros:

• high reliability (low risks);
• high liquidity (the ability to return money at any time);
• the minimum threshold for investment (you can start from 1000 rubles);
• simplicity and clarity of the investment instrument.

Minuses:

• low interest on deposits;
• loss of interest in case of early withdrawal of money.

Method 2. Stock market and mutual funds

A part of the financial market where people or companies can buy stocks, bonds, futures and other securities.

If you have free funds and want to get more income than in a bank, but take on relatively large risks, then the stock market will be a good tool for you.

To start investing in securities, you just need to contact a bank or a specialized brokerage company that deals with operations in the stock market.

Personally, I recommend two well-known broker companies for this, the Aton Investment Company and the Otkrytie Brokerage House. You can safely invest your money in these companies so that they work and not be afraid of losing them.

Many cities have their offices.

By the way, speaking of the stock market, it is worth noting that there are different types of investors in terms of the duration of the investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities for a short time: from a few minutes to several weeks.

There are medium-term investors who buy shares for several weeks or months. There are also long-term investors, usually they act on the “buy and forget” principle - they invest their money for several years in securities, assessing the potential of the company and the industry in which it operates.

The latter type of investor is investment guru Warren Buffett. Once he was asked when to sell the purchased shares, and then Buffett replied that never! This is his long-term investment concept.

You can independently manage your investments or entrust this matter to a professional manager (trader).

There are also special funds where you can invest funds - mutual funds.

Mutual fund- mutual investment fund. This is a financial organization that independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.

At the end of a certain period of management, you are charged interest according to the size of your share.

But if in the bank you will definitely receive more than you invested at the end of the year, then here your profitability may be negative, that is, the fund may work at a loss.

Pros and cons of investing in the stock market and mutual funds

Pros:

• a small initial amount for investment (from 1000 rubles and even less);
• interest at the end of the reporting period is usually higher than in the bank;
• a large selection of investment instruments (stocks, bonds, futures, options);
• the opportunity to receive dividends;
• the ability to independently compose an investment portfolio, choosing a flexible ratio of risks and expected returns.

Minuses:

• relatively high complexity of the investment process in comparison with a bank deposit;
• relatively large risks (you can get a loss);
• in certain cases, special knowledge is required (for self-management of an investment portfolio).

Method 3. Forex (foreign exchange market)

Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy one currency for another, for example, dollars for euros.

Traders-speculators make money on Forex, most of them perform trading operations within the day.

After all, we want to learn all the ways where to invest money, so that they work, and Forex will help us with this. After all, here you can quickly increase your capital several times in a couple of months. In a popular article on our website, I have already talked about my experience of trading on the exchange and about.

Indeed, you can earn a lot on Forex. However, this comes with huge risks and you can lose your investment capital in a matter of minutes.

Now a large number of companies offer Forex trading services. These companies are called Forex brokers.

Be careful when choosing a Forex broker. Since now there are many companies that do not bring your trading transactions to the real foreign exchange market and you just play on your computer in a trading program like in a casino (naturally, losing your money).

Before starting to engage in this method of investing, read customer reviews, go to the office of the company, make sure of its reliability and seriousness.

Pros and cons of investing in Forex

Pros:

• a small entry threshold (usually from $ 100);
• the ability to quickly and earn a lot;
• a large selection of investment instruments (currency pairs for trading).

Minuses:

• requires special technical skills and knowledge to invest;
• very high risks.

Method 4. Bitcoin (Cryptocurrencies)

Here you can make very good money, but also lose if you do not follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages are: decentralization, anonymity, security, limitation. This means that Bitcoin is not controlled by any states and due to limited emission and growing demand for cryptocurrency, its price will only grow in the future. You can buy Bitcoin at a favorable rate in - this service is not only an exchanger, but also a crypto-wallet where you can safely store cryptocurrency.

Method 5. Real estate

One of the classic investment instruments, when a person with money asks the question of where to invest their money.

You can buy both residential and commercial invisibility. Naturally, commercial real estate provides more income than residential real estate, however, and requires a lot of knowledge to purchase it competently.

Apart from buildings, real estate also includes land plots, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but this way of investing is also not without its disadvantages.

Pros and cons of investing in real estate

Pros:

• the ability to rent out real estate and receive passive income;
• the opportunity to sell real estate and make money on the difference between the purchase and sale prices;
• a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
• due to the fact that real estate is a tangible (tangible) asset, it can be used for their own commercial or non-commercial needs, for example, you can open a business in the premises, you can live in residential real estate.

Minuses:

• high entry threshold (usually from several hundred thousand);
• low liquidity (you cannot sell quickly without a significant loss of market value);
• subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money in case of damage or loss).

Method 6. Own business

If you have an entrepreneurial streak and a certain commercial background, then one of the best solutions for you is to invest in your own business.

Simple example:

Resale of Chinese goods with a large mark-up (300-800%).

You can buy wholesale goods in China or from a wholesale supplier in a major city and start selling them online. Often this scheme is also called "Business with China" - a very profitable and promising direction in the Russian Internet.

The team of our site is personally familiar with a successful entrepreneur in this topic, Evgeny Guryev. Zhenya has not only been running his business for a long time and effectively, but also teaches others to do it.

If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months, contact Eugene and he will lead you by the hand on all issues of creating a successful business selling Chinese goods.

Be sure to check out the testimonials of your students to get inspired by their success stories:

Yes, there are also certain risks here, but you can flexibly manage them, because in this case you yourself decide where to send certain funds in order to get the most out of them.

It is especially effective to invest money with your own business if it is already working, and your new investments will help the business bring even more profit.

Pros and cons of investing in your business

Pros:

• you yourself manage your money, building and optimizing business processes (as a business owner);
• for business projects it is quite easy to find co-investors, which helps to attract larger sums than if investments were made alone;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risks of losing money;
• low liquidity of most assets (you cannot quickly sell equipment, goods, and the like without a significant loss of value);
• loss of a share in a business project (in case of attracting co-investors).

4. Business franchise Sushi Master - investing money profitably

Starting your own business from scratch is a rather risky undertaking. This requires a solid start-up capital, an original idea and a well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a predetermined payback period and guaranteed profitability.

The Japanese cuisine restaurant chain has offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The bulk of the business is in the Russian market.

Franchising is one of the leading activities of the Sushi Master company. The promoted product of the company is a predictable business with a proven and effective structure.

The owners transfer the finished model to their partners, the latter only need to comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.

Payback period of the franchise: 5-18 months, depending on the region of location, the chosen format and other objective factors.

The algorithm for opening a Sushi Master franchise branch is as follows:

1. Submit your application on the official website of the company.
2. You pay a lump-sum fee - at the time of this writing, this amount is equal to 400,000 rubles.
3. Take a course at a training center in Krasnodar.
4. You get the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
5. Together with the owners of the franchise, you choose a place for a restaurant, calculate the return on investment, and receive support from a start-up team.
6. You open a restaurant.
7. Together with the team, bring the project to a stable profit.

You will calculate the total start-up investment together with the team on an individual basis. Cost range: from 1.3 to 4.5 million rubles. The opening date of the restaurant is from 3 months.

The advantage of this model is that it is guaranteed to work. All possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a participant in a successful business, which has already paid off more than 100 times before, brought and still brings profit to its owners.

The co-owner of the company, Alex Yanovsky, is the founder of his own Business Behind Glass School, a successful entrepreneur whom I know personally. In his honesty, as in the profitability of the franchise, I have no doubts.

The risks are minimal, and the support of the training center led by Alex Yanovsky is continuous and constant. At your disposal is the experience of successful businessmen, professional equipment, proven marketing technologies.

The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Public catering establishments in a street format or an "island" format are in demand and popular - we offer just such options to our partners.

5. Where not to invest in order not to burn out

You should not invest in knowingly losing businesses - casinos, illegal and morally unacceptable projects.

These include criminal types of business: drug trafficking, weapons, contract goods, the organization of brothels, shell companies that launder money, as well as fraudulent schemes in the real estate industry (corruption during construction, eviction of lonely old people and re-registration of housing).

To live in peace, engage in honest and socially acceptable ways of making money, then you will find not only financial freedom, but also spiritual harmony.

6. Conclusion

In this article, we reviewed the fundamental principles of investing, recommendations from the best investors and experts in the field of business and finance, and also got acquainted with the most popular ways to invest free money.

In the next part of the article "Where to invest money", I will talk about less common and seemingly not obvious ways to increase your capital.

And if almost everyone knows about bank deposits, the stock market and real estate, then, for example, few know how to create good passive income by investing in their own Internet projects.

Dear friends, I hope that now you figured out where to invest your money so that it works and brings you profit. After all, it is you who can become rich and make millions.

I wish you a successful investment!

It is much more profitable to invest rubles in the crisis so as not to lose your savings - recommendations from experts + TOP-5 most profitable investment areas for today

Hello, dear readers of the SlonoDrom.ru magazine! Almost every one of us sometime thinks about where to invest money so that it works and brings a monthly income.

There are actually a huge number of investment options! Not all of them are effective, and what to hide often there are simply fraudulent organizations whose sole purpose is to get money and hide with them forever. I know this firsthand! 😀

In this same publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice we will try to objectively figure out where it is more profitable and best of all to invest our money.

You will also learn about where you should not invest your money, so as not to lose it!

And most importantly, I will share with you my life experience , specific examples and useful tips that will allow you to invest money correctly and receive high passive income! 👍

Regardless of what amount of money you are going to invest: small or large - this article will be most useful for you!

Plus you will learn:

• What are the investment options, what is their profitability and which one to choose?
• Where can you profitably invest your money on the Internet?
• How to invest money correctly so as not to burn out?
• And also about where it is better not to invest your money!

Sit back and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded! 😉

1. What is important to know about investments?

First what you need to know before investing your money anywhere is that you need to invest only your own free funds ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.

Nobody gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).

This must always be remembered, because investments can bring both profit and loss!

Secondly, before investing your money somewhere, you need to actually assess what kind of risks and what profitability can be obtained from one or another attachment.

Usually the risk is proportional to the income, i.e. the higher the yield, the higher the risks and vice versa. But this rule does not always work.

But in any case, he who does not take risks does not earn. It is always necessary to take a meaningful risk! 😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

We will also consider all the pros and cons of each investment option.

Thirdly, in order to reduce risks, it would be logical to diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals ...) - 50% of all funds;
2. moderate portfolio (Mutual funds, shares, business projects ...) - 30% of all funds;
3. aggressive portfolio (foreign exchange market, cryptocurrencies ...) - 20% of all funds.

❗️Important:
You do not need to invest all your money only in instruments with very high profitability, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to get the maximum income, but at the same time completely forget about the risk. And as a result, due to greed, they are left with nothing.

Investing is primarily about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, as at the end of the article you will learn about other important investment rules! 👇

2. Where better to invest in 2020 - TOP 15 profitable investment options

So, let's finally consider the options and decide where you can profitably invest your money so that they bring income!

I will immediately share with you, by my personal example, one rather profitable investment that allows you to receive much more than ordinary bank interest. 😉

Pamm account "Arslanov Fund" and its profitability

Another PAMM account, in which I invested - ““, the largest account in Alpari, it manages more than 155 million rubles!

Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, nevertheless, for 5 years, it brings investors "clean" near 60-80% ... Agree very well! 😀

Another plus of Pamm accounts is that the minimum investment amount is practically unlimited here, you can start at least from 3000 rubles.

I am just looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article about it.

However, although in this way it is possible to earn quite significant amounts, nevertheless, one should not forget about the risks. However, invest in PAMM accounts no more than 25-30% from the total amount of your investments (at the same time, distribute the risks among the accounts, do not invest everything in only one account, at least choose 2 accounts).

More details about this type of investment will be described below in the article, so be sure to read it to the end.

And now we will consider separately each of the options where you can invest money.

Option # 1: Bank deposits / savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 4% to 8%.

In recent years, deposit rates have been steadily falling down and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

So in 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts" (IIS) are suitable, which, for example, can simply be opened in the same one (following this link, you can invest for 1 month without commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.

☝️ In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), that is, in fact, you will not need to pay taxes on income! Such preferential terms were developed by the state to support and develop investment in the country.

But naturally, there are many nuances to consider when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis ! The rest of the time, shares are generally growing steadily and show good returns.

In addition, you need to understand that the price of shares is highly dependent on the actions of speculators, rather than on the company's real financial position in the market.

Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S & P500 (500 largest US companies),
• NASDAQ (100 US high-tech companies).

If you do not want to personally engage in investing, then there is an option to entrust your money to a professional manager. I already mentioned how I invested in Alpari managers at the beginning of the article! I will definitely tell you more about this direction just below in this article!

You can easily invest in stocks through.

CONCLUSION: With proper management, shares can bring good returns, several times higher than the interest rate on bank deposits. But at the same time, they belong to more risky assets.

Profitability:	Risk:	Payback:	Minimum investment:
15-100% per annum (change in share price + dividends)	depends on the strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium / high)	(⭐️⭐️ - medium / high)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal / moderate risks, you can get a relatively high return.	(+ ) High liquidity - at any time, shares can be quickly sold and money can be got in your hands. Low entry threshold.	(- ) Knowledge is required. Uncontrolled risk and "flirting" with the market can lead to significant losses.	(- ) In the event of a crisis, shares can seriously and in a short time fall in price.

Option # 4: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who have no experience and no time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).

That is, in this case, you entrust your money to traders - those who are professionally engaged in trading in the financial markets.

All you need to do is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.

PAMM-account "Moriarti", its profitability for 5 years amounted to 135,464% (click to enlarge)

💡 More than $ 2.5 million , its profitability for 5 years amounted to over 135 thousand percent.

However, it should be borne in mind that despite the fact that in the past the accounts / portfolios showed good returns, in the future there is always the possibility that they will turn out to be unprofitable.

So again, don't invest all your money in one trader! Distribute funds at least among 2-3 reliable managers that trade profitably for a long time. If the accounts are relatively new (less than 6 months), then separate the initial investment among 5-10 traders.

Constantly monitor the situation and get rid of accounts / portfolios that bring losses for a long period. This is the whole secret of investment!

For more information about what Pamm accounts are and how they work, you can view a free training webinar from professionals in their field:

You can go to the Alpari website and get acquainted with the Pamm accounts.

With a larger initial capital, you can work with large exchange brokers (for example, Finam and BCS), which also provide various trust management strategies.

✅For example, on Finam, in trust, you can give from 300 thousand rubles... Their website contains dozens of diverse strategies: conservative, moderate and aggressive.

Of course, both brokers and managers cannot 100% guarantee that you will receive income.

Immediately I want to tell you a few words about the so-called "structured products", because they are also directly related to trust management. Income here, as a rule, is not the same as PAMM accounts can give, but nevertheless, structured products can bring significantly more than bank interest and bonds.

They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which specialists expect to rise or fall in the future.

Investing in such products is usually possible from 3000 dollars(some brokers have a higher minimum threshold) and for a period from 3 months.

I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.

✅BCS offers investment in Gazprom shares with guaranteed returns 10% per annum(even if their price falls) and 100% capital protection. In the event that the stock price rises, then you can even get 14% per annum .

Thus, there are only 2 options: you get either 10% or 14%... Consider that there are no risks, except for the actual bankruptcy of the company. But it is extremely unlikely that the number one company in the entire brokerage market in Russia will go bankrupt, like Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.

The investment is designed for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.

CONCLUSION: Trust management combines convenience, moderate risks and medium / high returns. Especially suitable for beginners.

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and above	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By distributing funds among the most effective managers / strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum investment amount (especially in PAMM accounts) is quite low. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability as there may be unprofitable periods. The managers need to be monitored periodically.

Option # 5: Bonds

DESCRIPTION: Where do you think the big banks are investing? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the simplest investment instruments. But unlike bank deposits, the rate on bonds is significantly higher.

For those who do not know, a bond, in a simple way, is an IOU. Only large companies and states can act as borrowers.

☝️ By the way, Sberbank and other banks are selling national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyX .

I agree, not very much, but the rate is certainly better than most of the bank deposits currently available. Moreover, in the future, the rates on deposits may decrease.

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, for Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the term).

At the same time, you can invest large funds in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens and hundreds of percent ... But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are capable of generating a fairly high income, they are a very risky investment.

Bonds as well as shares can be bought without the need to pay income tax (if you buy them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those looking to earn an average yield with a relatively high guarantee.

Profitability:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and above)	depends on bonds (for government bonds - very low)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium / low)	(⭐️ - low)	(⭐️⭐️ - medium / low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low profitability compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less credibility it has.

Option number 6: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy / sell a particular currency.

This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you bought 10,000 dollars at the rate of 57 rubles / dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, was 30,000 rubles(of which the broker's commission is about 600-800 rubles).

You can trade on Forex either yourself or give money to the management of professional traders (this will be described in detail in the next section of the article).

When trading currency on your own, it is very important to have trading experience and s knowledge of the foreign exchange market ... Climbing into the foreign exchange market just like that, in the hope of easy money is not worth it (and when I did exactly that), as this usually leads to serious losses.

It is important to note that in personal trading, you need to follow a proven trading strategy, otherwise the trade is likely to turn into a casino and lead to a sad outcome known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade solely by strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start at Forex with minimum amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% in a month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies for day bars is Price Action. Many articles have been written about her on the Internet - read it for anyone interested!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can get high returns. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below! 👇

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and above	depends on the strategy (initially has a high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) With an effective strategy, you can get high returns.	(+ ) Low entry threshold and availability.	(- ) High risks, especially for beginners. It is possible to lose significant money in a short time if the risk is not managed. 99% of newbies lose their money.	(- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires a personal presence. But on the other hand, a business can be automated, or you can simply invest money in someone else's business at the stage of development.

Alternatively, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

Moreover, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and aspiration! 😀

I myself have started a successful business from scratch several times! By the way, if we turn to statistics, then among millionaires about 70-80% Are entrepreneurs who started a business from scratch!

✅ Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!

As Confucius said:
« Choose a job you like and you won't have to work a single day in your life!«

And how to find your favorite job / life's work - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even a small one at first. The main thing in this business is not to be afraid. take the first step!

Think you have always wanted to open your own body shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start there.
3. If you have little start-up capital, it might be worth trying a service business.

I will also give you several options from my experience of how you can start a business with minimal investment, I think it will be interesting for you! 👇

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this! 🙂

By the way, goods from China are now very popular, where the mark-up can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page pages).

Another area where large investments are not required and it is not so difficult to start is the wholesale business via the Internet.

Moreover, both in the case of wholesale and retail sales, the goods do not need to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).

In short, the essence of dropshipping is that you work with a supplier who ships the product directly to the customer. He sells his goods and from this he has income, and you get your markup on the sale.

Read more about how to organize - read in a separate article!

CONCLUSION: The business is able to bring very high profitability with minimal investment. In addition, a business can be turned into a favorite thing, which is interesting and you want to do it!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	Initially high risk	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low / medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest returns among all investment instruments.	(+ ) It is easier for business to find partners and / or co-investors. You can start without big investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses are closed within 2-3 years. Low liquidity - it is difficult to sell a business quickly.	(- ) You need to understand the business and understand how it works, even if you are investing in "someone else's" business. You constantly need to learn.

Option number 8: Mutual investment funds

DESCRIPTION: Mutual funds can also be attributed to trust management, which we have already talked about a little.

Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely any person can become a depositor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, the shareholders receive a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds over 11 months:

Profitability of mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example, Sberbank.

If this type of investment is suitable for you, then it makes sense to choose not one unit investment fund, but several in order to distribute possible risks.

And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With such a simple action, you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Profitability:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average yield exceeds the interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) There is no guarantee that you will receive income. There is an additional "commission" (premium) for the purchase / sale of shares.	(- ) You will have to pay 13% income tax - many other investments have preferential tax conditions.

Option # 9: Microfinance Organizations (MFOs)

DESCRIPTION: Another type of investment is investing in an MFI. The return on such investments on average ranges from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum term in an MFI is usually 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.

⭐️ Good advice!
Look primarily at the “age” of the MFI, not the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower interest rate than in a newly emerging MFI with a high interest rate.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and safer to invest in real estate than in an MFO! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and I do not advise others! 😉

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But at the same time there are corresponding risks. And the entrance threshold is rather big, to put it mildly.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium / low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Income passivity. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. Fraud is present.

Option number 10: Precious metals

DESCRIPTION: Another well-known type of investment is investment in precious metals, in particular in gold. Moreover, such investments are highly reliable!

It is especially important to invest in gold and other precious metals during a crisis, since this is where money from the stock market migrates.

Gold coins / gold bars can be purchased both in almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).

Despite its high reliability, investing in gold is more suitable for preserving available funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold Prices - Chart

❗️ Over the past 5 years, gold in rubles has grown from 1600 rubles per gram to 2400 rubles / gram.

The total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and then such a yield was obtained thanks to serious devaluation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold after 2012 has dropped significantly in price and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to preserve them.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High investment reliability. There are practically no risks of gold depreciation. Easy to buy / sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investing in them is suitable for saving funds in times of crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks / brokers when buying / selling precious metals, incl. gold.

Option number 11: Cryptocurrencies (bitcoin)

DESCRIPTION: Over the past, Bitcoin has grown more than once and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago, when Bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin may be worth hundreds of thousands of dollars and even possibly reach $ 1 million.

Others argue that Bitcoin will crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably grow in value.

Moreover, while cryptocurrencies are showing a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.

For example, Bitcoin in just a day can rise or fall by 10-25% - this is quite common here. And in a year you can both increase your investments 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky a tool, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - it is definitely not worth investing all your money in them!

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In case of growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) There is a very high volatility of cryptocurrencies, in a matter of days they can both rise in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. Complete lack of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to make money in this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to get high profitability through advertising. Usually, the site starts to generate the first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn about 200-3000 rubles in a day. The spread is very large, since what kind of income you receive depends on the topic of the site.

Earning money on sites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning, you will need to grasp the essence and understand the key details of such a business.

2. Social publics. Surely almost every one of us is subscribed to some community on social networks (VKontakte, Facebook, classmates ...).

Meanwhile, the owners of such public pages also earn mainly from the publication of advertising posts. In pubs with millions of subscribers, the cost of one ad post can be worth 2-7 thousand rubles .

Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right topic for a public, post high-quality and interesting content and develop a public, then you won't have to wait long for success!

3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.

For example, if a person who follows your affiliate link opens a current account in a specific bank, then you can earn 2-3 thousand rubles

If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go specifically to advertising.

But in this case, experience plays the main role, without it, nowhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers ...

For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.

For example, if you need to transfer money from Yandex wallet to Qiwi wallet, then the easiest way to do this is using exchangers. By the way, with the help of exchangers, you can also purchase bitcoins.

Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a pretty decent income is obtained.

5. Apps for iOS / Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is spinning.

Therefore, if you have an interesting idea that will be in great demand, then it might be worth trying to create your own application.

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent partner commissions from airlines.

Even if you don't understand anything about how to create applications, they can be done for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays a key role - the success or failure of the application depends on it.

6. HYIPs. HYIPs - in reality, are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high percentages ( 1-5% daily) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.

There are HYIPs that “live” for several months or even for several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of depositors mainly earn money - who managed to withdraw money with a profit until the HYIP turned into a "scam" (stopped paying money).

And yet, I strongly advise you not to invest in HYIPs, especially if you don't know much about this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High profitability. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or completely from scratch, investing only your own time and effort.	(- ) There is a risk that the project will not work and will not pay for itself.	(- ) Knowledge is required. You yourself need to be well versed in the key nuances of Internet business.

Option # 13: Venture funds / investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.

The essence of venture capital funds is that they invest money exclusively in projects that are at the stage of development (startup) or even at the stage of idea.

A distinctive feature of venture capital investments is a very, very high profitability, they are capable of bringing thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot out and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

☝️ A real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.

In 2 years, Apple shares have risen by about 5000 times! So if you were investing in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .

There are basically several ways to invest in start-up projects:

• crowdinvesting and crowdlanding platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investment is underdeveloped in Russia. And often a large start-up capital is required, and scammers are often found among crowdinvesting platforms (where the entry threshold is not high). Meanwhile, venture capital investments can bring very high returns!

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widespread - investment sites may turn out to be financial pyramids.

Option number 14: Objects of art

DESCRIPTION: Another unusual way to invest your money is to invest in art. This is a fairly narrow and specialized market, but it can still generate good returns.

It's no secret that certain works of art can cost hundreds or even millions of dollars. And if you really understand art, then on investments you can earn hundreds of percent of the profit.

❗️ The only important feature is that such investments often require large investments ... And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investment in precious metals, investment in art is not subject to inflation and will only cost more over time.

And the crisis has practically no effect on the value of art objects.

CONCLUSION: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and above	minimum	usually 1 to 3-5 years old	from 100,000 rubles and more
(⭐️⭐️ - medium / high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) You can get relatively high returns with minimal risks.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investing in art requires a large initial capital and involves a long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option number 15: Knowledge and own development

DESCRIPTION: As incredible as it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience ...).

You need to understand that first of all it is knowledge / experience, and not money allows you to earn and increase your own.

I think more than once you have heard stories that most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow! 🙂

If you have free funds, then it all the more makes sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences between investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the United States: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you do not yet know where to invest your money, then the safest option is to invest it in yourself (at least some of it). And do not forget that even a bad experience is also an extremely valuable experience! 👍

Profitability:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks / months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money.	(- ) For many, it is difficult at the first stage to motivate themselves to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules of correct investing - TOP-5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!

First, as I mentioned at the beginning of the article, is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.

Instead of investing everything in one instrument, divide the amount equally into several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second- try to invest most of your funds (40-60%) in assets with the lowest risk, the best choice between profitability and risk, as for me, is real estate.

And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then go in and invest all your money in high-risk instruments: Forex, stocks, bitcoins ... hoping that you will quickly multiply them is by no means worth it.

Believe me, this is a tried and tested way, on which a huge number of people have lost fortunes!

It will allow you to get through bad times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.

It will also be great if you learn to give 10% of your profits to charity.

✔️As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to make money - specific examples

In this section of the article, I will tell you where, from my own experience, I would have invested money, having available this or that amount of investment!

I will not consider very risky investment options in these examples. Consider only conservative and moderate risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

Alternatively, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

It is also a relatively small amount in terms of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase the property during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try to invest in almost any of the instruments described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of the foundation pit.

Or as an option:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it becomes more expensive in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where is it better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to get caught by scammers.

The world is full of people who invent various schemes to take money through fraud. Especially nowadays, fraud is thriving on the Internet (and not only!).

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, quick payments, very favorable conditions, etc. - all if only people have invested their money.

💡Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from the greed of other people!

Money does not come out of nowhere, if someone receives money, then surely someone will part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some believable story can be created, as if the project really functions (provides any services), but in fact the organizers of this project only earn from the investments of gullible people.

Sometimes the "history" of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier), in fact, are also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to make money on them, but experience is required). Also, here you can add various casinos and other methods that promise "easy" money.

Another controversial investment tool is sports betting... It is realistic to make money on them in the long term, but only the organizers of the bets and 5-10% of the participants (those who are in the subject) do it, and the rest only constantly lose money.

I will also highlight another type of common fraud on the Internet - this is the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw your money away (tested on your own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are well versed in what you don’t know will profit from you! This is my sad experience.😞

If you are not yet particularly versed in this or that investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable ways of investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided on where to invest your money! 😀

I emphasize once again that, in my experience, the most profitable investments are investments your own business / business and knowledge !

❓❓❓
Where do you think it is better to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you a successful and profitable investment! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!

Real estate, business.

Bank deposits (deposits)

This is the easiest, most elementary and reliable way to invest. You give yours to the bank under a certain percentage... Bankers “spin” this money by investing in other financial instruments. For which you receive a pre-agreed percentage of profit.

For example, you have invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but already at 20% per annum. As a result, the bank returns your funds with accrued interest in a year, and puts the remaining difference in its pocket.

The advantage of investing in a bank is that you know exactly how much money you can get after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular deposit on a deposit calculator, and if you need to calculate the amount of overpayment on a particular loan, then use a loan calculator.

Read about bank deposits:

Mutual funds (mutual funds)

This is the second most popular investment method. In short, PIFs are a collective financial instrument, when investors' money is invested in one big pot and, then, professional managers multiply this one large amount of funds by various methods.

The funds of shareholders (as they call those who have invested their money in a PIF) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but managed. Any fool can just buy shares. The task of professional managers is to find such stocks that have fallen in price at the time of purchase and there is a possibility of their further growth.

In order to determine this probability, technical and fundamental analysis is used, the economic situation both in the world and in a particular region is studied, news is monitored, as well as many other parameters that are too complex for a common man in the street.

This is the essence of mutual funds, to save people ignorant of these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to night, then it is easier to transfer this money to those people who have plunged into the topic of investing with their heads and have a lot of experience behind them. At least at the initial stage.

Further, as your experience in financial matters grows, you can start buying stocks, bonds and other investment instruments on your own. We'll talk about this in more detail a little later, but for now let's get back to mutual funds.

Compared to other financial instruments, investing in stocks is more profitable in the long term, but at the same time very risky.

Here you need to constantly keep your finger on the pulse, monitor the situation in the markets, so as not to allow capital loss on a strong fall in financial markets that occur during all kinds of crises.

To more clearly understand what profit can be obtained on shares, watch the video “How to make 678% of profit on Sberbank shares”.

Video: How to make money on Sberbank shares 678% of profit

Bonds

This financial instrument is designed for people who are not inclined to take risks. It is very difficult to get big profits on it. Usually, the profit on bonds is not higher than the profit on bank deposits. Therefore, this financial instrument can hardly be called a profitable investment.

However, this does not mean that money should not be invested in bonds. The point is that it is not recommended to “store all eggs in one basket”. Experienced and successful investors always distribute their funds in several different instruments in order to reduce their risks.

Imagine, you have invested all your funds in stocks, but after a while there was a crisis in the market and their prices fell. At the same time, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but you will win on other instruments. But back to bonds:

A bond is a debt issue security that confirms the right of its owner to receive a certain amount of money from the issuer.

And in order to understand how to properly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from the English.FOReign EXchange- foreign currency exchange) is a market for interbank currency exchange at free prices.

The essence of Forex is speculation with the currencies of various countries. For example, you bought 100 euros for 90 dollars. And after some time they sold these 100 euros for 120 dollars. Thus, earning $ 30 on this deal.

Forex trading is always done with currency pairs, as in the example above. Currency values ​​change constantly and depends on many factors. For example, in Greece, the economy does not develop, the state does not receive profit, but somehow it is necessary to support the country. Since Greece is part of the European Union (EU), everything is bought and sold in euros on the territory of this country.

Thus, the instability of the economy of one state affected the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro in relation to the currencies of other states. It is on such movements that money is made in Forex.

This method of investing can be called profitable only if you yourself trade in Forex, when you already have a lot of experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune in Forex. But those who tried to get rich on this and went bankrupt - millions. Draw your own conclusions.

Endowment life insurance

This method of investment can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of life and health insurance of a person with a program for the accumulation, preservation and increase of your capital.

If ordinary insurance simply pays you a certain amount in the event of an insured event, then in this case, if nothing happened during the entire period of the contract, then you can receive either the entire amount accumulated over these years in full, or receive a monthly payment until the end of life.

OFBU

OFBU stands for General Funds of the Banking Department. In fact, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing in OFBU you have the opportunity to increase profits through broader combinations of investment. On the other hand, it is more risky.

There were cases when OFBU showed a yield of 600% per annum. However, the main problem is that the activities of OFBUs are little regulated by legislation, which is why they are less subject to control, in contrast to the same mutual funds.

There are also known cases when the short-sighted activities of managers led to the complete collapse of the OFBU.

You can read more about the activities of general banking management funds here:. On my own behalf, I will add that at the moment it is best to invest in OFBU such an amount of funds that you will not mind losing in case of something.

Hedge funds

I must say right away that in our country this is a relatively new and not sufficiently developed financial instrument that is available only to wealthy clients.

The minimum entry amount here starts from a few hundred dollars to a million. In the West, hedge funds are hugely popular.

Hedge funds are not clearly regulated, which allows them to freely choose their enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both excess profits and colossal losses.

One of the most striking examples of hedge funds is the Quantum fund, the founder of which is the well-known one, which was able to make a profit of $ 1 billion in a day!

Structural (structured) products

A structured (structured) financial product is a complex financial instrument that is issued, as a rule, by commercial and investment banks and is created to meet the specific needs of customers.

This financial instrument became especially popular during the crisis. After all, when you invest in a growing market and constantly get good profits, this is one thing, but when the situation in the markets is not stable, especially during crises, many investors try to find reliable ways of investing, which at the same time will give them more profit than banking deposits.

The essence of the structured product is simple - part of the funds, as a rule, 80-90% is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst scenario, to stay with your money and not lose anything, at best to make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

Although again with what to compare. For example, the most successful investor in the world, Warren Buffett, has provided his clients with about 24% per annum for the past 35 years. 24% per annum seems to be not a lot, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal has been a symbol of wealth and power, so it became the cause of quarrels, robberies, murders and even wars.

Gold should not be regarded as the most profitable investment, despite the fact that it has risen in price in recent years. The fact is that more often than not, gold acts as a haven for investors in difficult times.

When crises dominate the world, in order to wait out them, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis recedes, then investors immediately look for more profitable ways of investing. This is the reason for the rise in gold prices in difficult times. But then, the price of precious metals inevitably falls.

The property

Real estate has always been a profitable investment. Moreover, the real estate itself does not depreciate and, as a rule, it only gets more expensive from year to year. But real estate also allows you to receive passive income from renting it out.

However, there is one serious “but” here, which is the high cost of real estate. In fact, this is an investment for wealthy people. Because of what, this method of investing funds should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

However, there are exceptions. For example, you can profitable to invest money in real estate at the stage of its construction. At this time, as a rule, there is no need to pay the full cost of the housing and you can pay a certain monthly part.

Thus, if you have the opportunity to deposit the required amount and this does not affect the quality of your life, then you can safely look for suitable options. The fact is that at the construction stage, a square meter of housing costs much less than later, when the construction is completed.

Business

Each of the above financial tools, possesses a certain degree of risk (reliability). Depending on this, the range of possible profit changes. The more risky a financial instrument is, the more profitable it can bring. However, like the loss too.

Each of these financial instruments has its own advantages and disadvantages. And under different life circumstances, it is worth choosing the best investment methods. But, personally for myself, I have already determined the most profitable way To invest money Is a business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments do not depend on you. They depend, for example, on the current market situation, on the conditions determined by other people, on the financial results of a particular company, on the actions of speculators, on marketers who develop certain financial products.

Starting your own business is completely your domain.

This is where you set the rules by which you will play. Here you decide how much income you will receive. Of course, business is also highly dependent on various external circumstances. But, in any case, the last word remains with you, even if you decide to sell it.

In 2007, I started my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressing salons, in which I installed a solarium, all the necessary accessories, put an administrator and began to earn money.

There are many benefits to this business. I will talk about them in the next issues. For now, I just want to draw your attention to the fact that this business has brought me good dividends. For the year I received more than 100% per annum.

It was a great test, during which I was able to show many of my talents. Organizational skills, management skills, design talents, tested my advertising vision.

Many who have spare funds want to invest money to make them work. At the same time, it is important that the income received exceeds the inflation rate. At the same time, every investor wants the risk to be minimal. In such a situation, one cannot do without studying modern investment options.

Before proceeding with the analysis and comparison of options for investing money, you should remember a number of rules. They help you invest as efficiently as possible. Below are expert tips to avoid most investing problems.

1. Only free money can be invested. In other words, the amount that can be invested is defined as the remainder of the income after payment of basic payments and needs. You should also not risk your own money, borrowed or borrowed. If you do not follow this rule, you can get into a difficult financial situation. There are cases when the families of the investor were left without a livelihood. In addition, there is a risk of loss of funds, which will lead to the inability to pay the loan. The result can be a bad credit history.
2. You should not expect that you will immediately be able to provide for yourself by receiving passive income. Most likely, at first it will be too small to provide a comfortable existence. Therefore, at first, most of the earned funds will have to be reinvested, that is, directed to increase the invested capital.
3. It is imperative to draw up an investment plan. It must clearly indicate all the parameters for investing money. First of all, such a plan should fix which investment options and in what proportion will be carried out. At the same time, it must be flexible enough and easily adapt to changing conditions.
4. In order not to lose all invested funds, the risks should be diversified. That is, you cannot invest all the capital in one investment project. It is best to choose at least 3 suitable options. The likelihood that three projects will turn out to be unprofitable at once is small. With proper analysis, at least one will make a profit.
5. It is important to constantly monitor the money invested. Regular monitoring of the situation allows you to make the right decision, as well as adjust the financial plan if necessary.
6. You should not get involved with dubious projects that promise huge profits. In this case, there is a high probability of encountering fraudsters, which means that you will lose your invested funds.

These simple tips help even novice investors to correctly enter the financial investment market. Do not forget that investing is also work. Without regular analysis of the situation, it is unlikely that it will be possible to make money.

Top 10 most profitable investments in 2020

The instability of the economic situation leads to the fact that the profitability of investment products is constantly changing. It is important to calculate all possible options and coordinate them with the circumstances prevailing in the country and the world. In search of an answer to the question of where to invest money profitably in 2020, experts have compiled a rating of the best options.

Investments in small business development (Alpha.Digital platform)

For those who decide to start investing with an amount of 100 or more thousand rubles, investments in a small business through specialized sites are excellent. Most often, such options are offered by large banks. They develop investment products. By investing money in them, the owner of the funds essentially credits the companies selected by the bank.

Despite the fact that the risk in this case completely falls on the shoulders of the investor, it can be noted that it is relatively low. This is due to the fact that the money invested is distributed among a large number of organizations.

An excellent example of a site that offers to make a profit in this way is Alfa.Digital, organized by the bank of the same name. The following investment conditions are offered here:

• yield up to 30% per year;
• payments are made once a week with accrued interest;
• the minimum investment amount is from 100 thousand rubles.

Investments in P2P lending

The P2P lending service allows you to invest almost any amount. In fact, it is a so-called social loan. Both the borrower and the lender in this case are private individuals.

This option is a very profitable investment. The percentage of P2P lending is about one and a half percent per day. True, about half of them will have to pay for a service that performs intermediary services.

For those looking for P2P lending services, you can explore two interesting portals - Vdolg.ru and Loanberry. The first site accepts investments in the amount of 4 thousand to 10 million. This amount is enough to invest money and receive monthly income. Loanberry allows you to start investing in loans to individuals from 1000 rubles with interest from 20-30 percent per annum. Moreover, now there is such a function when, for a fee of 5%, you can connect insurance against default, when the site takes over the payment of the debt in the event of a borrower's default.

Investing in Forex (foreign exchange market)

Many have heard what Forex is. However, not everyone understands that it is not limited to independent trade. Making money in the foreign exchange market by trading will require a significant amount of serious knowledge. In addition, without experience, it is unlikely that it will be possible to make money by trading on your own.

However, you should not refuse to invest money in Forex, it is enough to choose one of two popular methods:

1. Pamm accounts represent a certain type of transfer of funds to the management of professional traders. In this case, you can even invest a small amount. It is determined solely by the terms of the selected PAMM account.
2. Those who dream of concluding transactions in Forex on their own can use social trading systems or copy transactions of professionals. In the first case, based on the opinion of experienced traders, forecasts of market behavior are made, which help beginners to make the right decision. When copying trades, you should choose a trader to whom you have confidence in order to learn about all the trades they make.

When opening positions on their own, the investor has more opportunities to reduce the risk. This is due to the fact that in the absence of confidence in this or that forecast, one can refuse to conclude a deal. In PAMM accounts, all decisions are made by the manager himself.

Investing in startups

Investing in a startup is a profitable investment that can generate significant returns if successful. A startup in the financial world is a business project or idea that is at an early stage of development. It is only natural that even the best projects need an infusion of funds for their implementation. However, not all idea owners have free funds. Therefore, they are forced to seek help.

It is unlikely that it will be possible to get a loan for the development of the project from the bank. This is due to the lack of confirmation of the profitability of new projects. New businessmen come to the aid of investors who prefer to invest in promising projects at the stage of their inception. The main difficulty of investing in startups is that it is very difficult to determine which project will turn out to be profitable and which will bring a loss.

Investing money in mutual funds

A mutual fund or mutual fund is a promising investment that can be classified as a type of collective investment. Investors (in this case, they are called shareholders) acquire a part of the fund's property, which is called a share, and wait for its value to rise. In fact, such investments should be long-term, in this case the probability of making a profit is the highest. The advantages of the mutual fund are:

• a high degree of protection from the state;
• no need to have special knowledge;
• low entry threshold - the cost of a share starts from two thousand rubles.

The profitability of a mutual fund depends on the investment strategy that it uses. There are moderate, conservative and aggressive funds. In the order in which they are listed, profit grows. But do not forget that the risk is directly dependent on it.

Experts recommend that if an investor, in the course of choosing where to invest in 2020 is profitable and safe, gives preference to mutual funds, choose funds for investment that invest the collected funds in the field of IT technologies. Today they are the most promising. In addition, such mutual funds are distinguished by the best combination of profitability and risk.

Investments in investment or endowment insurance

Investment and endowment insurance programs are a combination of a profitable financial product with insurance. When concluding an investment insurance contract, the client receives a number of advantages:

1. guaranteed profitability of 13% from the state due to tax deduction;
2. investment profitability due to the management of your money by an investment or management company;
3. the ability to open a deposit for a longer period than ordinary deposits.
4. Free life and health insurance;

Endowment insurance allows you to solve two problems:

• protect yourself in case of financial problems;
• accumulate a significant amount of money through effective cash management.

Investments in securities (via IIS)

Those who decide to invest in stocks and bonds should open an individual investment account. This can be done by contacting brokers or a management company. Most often in the stock market, investors make money in one of two ways:

1. Independent trading involves opening deals solely based on the knowledge of the investor himself. In this case, it is unlikely that it will be possible to make a profit without experience and certain skills.
2. Copying the strategies of experienced managers. Such a profitable investment, for example, is offered by the Finam company. It is implemented using the Trade center service. It is enough to choose a strategy and connect to it so that all transactions made on the professional's account are transferred to the investor's IIS.

Investing money in real estate

This method requires the investor to have a fairly large sum of money. The amount of capital depends on the region and the type of property being purchased.

With the aim of making a profit, you can purchase both residential and commercial real estate. There are several options for making a profit with this method of investing:

1. buying real estate for the purpose of subsequent leasing;
2. purchase for resale.

In the second case, you can increase the income by buying real estate under construction or by purchasing dysfunctional or "grandmother's" apartments and selling them after renovation.

It is important to remember that the sale of property that has been owned for less than five years creates an obligation to pay income tax.

Bank deposits

Deposits have recently been losing their popularity. This is explained by a decrease in the level of interest rates. However, they deserve attention. Despite the fact that this option is not a real way to make money, if you invest money with interest on the deposit, you can reduce the impact of inflation. Deposits are suitable for those investors who do not have sufficient financial knowledge, as well as large capital.

A deposit can be opened even for small amounts - many banks offer to conclude an agreement for one thousand rubles or even less. For many, the defining indicator when choosing a deposit is the interest rate. In connection with the deposit insurance system operating in our country, the choice of the bank has faded into the background. In search of where it is more profitable to invest money, you should pay attention to the programs offered by Tinkoff Bank. The rates here are always at a fairly high level.

Investments in MFIs

Investments in MFOs allow you to invest your own capital at a high percentage. In this case, you do not need to have any additional knowledge and skills.

Nevertheless, this option is not suitable for everyone. Most companies set a fairly high minimum entry threshold. Traditionally, it is at the level of one and a half million for individuals and 500 thousand for legal entities.

Thus, there is no universal answer to the question of where to invest money. The decision must be made for each case separately, focusing on the amount available, as well as the desired risk and return.