Where to invest small money. How to make a profitable investment without risk

Every advanced person thinks about what is better to invest money.

Demand generates a proposal and today the investor offers dozens of places where it is profitable to invest money may be a profitable idea. Let's conduct an overview of the most accessible and interesting options where money can be investing in 2019, compare their pros and cons, conditions and benefits!

Where to invest money - startups

Attachments in stock

Pretty longtime and classic way. Invest in stocks can be in different ways depending on the company. The average profitability of stocks fluctuates from 10 to 20% annual.

But there are exceptions, for example, NVIDIA shares in 2017 added 200%.

For those who have consisted on average, growth can be 5% per year. For example, Google, it has already been a huge business, imagine what he needs to do to increase the cost of 100% for half a year? It is almost impossible. But a small pizzeria is enough to open a couple of new restaurants and conclude profitable contracts in order to add 500% in a couple of months.

You can in practice to see how stocks on stock exchanges are purchased and sold. NASDAQ., Xetra, and others at the broker (minimum deposit for opening an account $ 500). There you can, Microsoft and more than 1000 companies from around the world.

In addition to those who have already consisted of billionth companies, new, the shares of which are quite cheap, but their potential as the price may increase thousand times. For example, the same Apple.when it was a small startup.

If you do not want to risk big money, but I want to make money on the promotions, the ideal option will be CFD contracts - this is trade in price difference.

It must be said that among the assets on the broker not only the shares, but also all currency pairs, indices and commodities, energy and others. Minimum deposit $ 200, and minimum transactions from 10-20 dollars.

pros

Shares are able to bring good profits, leyings and are long-term investments.

Minuses

The minimum stake can cost no small money, and the shares of unknown companies are quite risky.

Investing in metals

Buy physical gold The future is one of the long tradition of saving money. And nowadays, gold bars have in free sale in almost all banks of many countries, including in Russia, Ukraine, Belarus. Gold ingot may have a different weight, it varies from 1 gram to 1 kilogram. Each bank exposes its price to it.

Note that: Over the past 15 years, gold experienced a price boom, but since 2012, inexorably loses in price. To date, the future of gold, and investing in gold can only be long-term.

This precious metal will not lose its basic value, but not even a big drop in price can bring losses to the investor, because not only capital is lost, but also time.

A few years ago, Warren Buffett sold all his "golden" assets and did not lose. I think that in 2018 it is not worth a hurry with investment in gold, at least worth waiting until stability in the oil sector is established. If you look at the rating of the FIF (about this below), then you can see that for the years 2017, the bumps engaged in gold have already suffered losses.

pros

Metals have a certain physical reserve, so no longer need to expect strong drops. Metals belong to long-term and reliable investments. Investments in metals are available almost to everyone who has an account in the bank.

Minuses

The price of metals strongly depends on different economies. It is not worth counting on the big percentage of profits. When selling gold in the bank, it is necessary to pay a tax of 13%, this is the percentage that can be achieved over several years of investment.

Compared with bank deposits investment in stock market They are considered significantly more profitable. Although no one guarantees real profit. It all depends on the status of the stock market at the moment. A foreign market for money and types of companies is an overseas market, where even children know about the promotions. Basically and are based on promotions. But in order to be successfully investing in stock, it is not enough to have money for the contribution, you need to understand well and be able to predict. For those who do not feel confidence in these skills - the best choice will be trust management.

Where to securely invest money - bank deposits

At present, the most popular way to preserve money from Russians is considered to contribute to a bank deposit. It raises more confidence in citizens than investment funds investment. Perhaps this is due to the inertia of thinking, because during the time of the USSR, it was possible to invest personal funds only in Sberbank.

I would say that people do not invest money in banks, but simply go to storage . An exception can only be very large amounts.

Interest earnings at banknotes are small, an average of 7-9% per annum, and the state insures up to 1,400,000 rubles each contribution from unforeseen circumstances.

Among the most reliable banks:

• Sberbank (SBRF.RU)
• Vneshtorgbank (VTB) St. Petersburg (VTB.RU)
• Gazprombank (Gazprombank.ru)
• Rosselkhozbank (RSHB.RU)

They offer not the largest, but stable and reliable annual interest: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are such a place where everyone can invest money, but an investment is difficult to call. Only bankers can earn in the bank, and the depositor only to save its funds.

pros

Pluses are that banks are relatively reliable, and you will accurately save your funds.

Minuses

7-10% of yield do not justify itself, as the inflation rate is just at this level. It is difficult to call it an investment.

Where to invest money - FIF

The mutual investment funds are also one of the types of capital investment where it is profitable to invest money on the bank. PIFES are created to attract investments to trade on commercial and stock exchanges, as well as real estate operations. FIF for a long time was the most popular places where every person from the street could invest.

FIP there are several types

• Open type effect - Here you can freely buy or sell Pai.
• Interval type effect - Pai sell only after the expiration of a certain time.
• Closed type effect - Do not accept deposits from private investors. Usually profits are paid at the end of the year.

PIF can be viewed as trust management - you buy pairs, and your money is managed by the company, as a result of which prices are growing. But as I said, in 2018 the risks are high. If you decide to invest in some kind of face, it should be investing not entire capital, but only some part. Pyp profitability ratings can be viewed on the pages:

• http://pif.investfunds.ru/ratings/
• http://www.nlu.ru/pif-doxod-renking.htm.

If you decide to invest money in the FIF, I advise you to carefully examine not only the company itself, but also the prospect of the market, as well as ask for plans, ask a question regarding the future of the governing market and make sure that they are confident in their actions and know how to act in different situations.

Manage the face of professionals, but the fall in prices cannot even stop them. In this case, you should not hurry to sell pairs. You need to wait until they rise again in price. In any case, to stay in the profit, the fund needs to invest in a long term in several years.

In order to earn and have the ability to make, you need to have a solid capital.

In most of the investment in successful blows begin from half a million rubles.

It should be understood that to invest safer simultaneously into several different bumps. Also for successful investment you need to understand and understand stock market, promotions and current state of the market, and other economic factors.

pros

A good effect has high reliability, as regulated by the state. In successful years, profits can be up to 80% per annum. Limited risks depending on the specific conditions of each FIF.

Minuses

Long transmission and receipt process. If you live in the city where there is a PIF, then investments will be extremely uncomfortable (signatures, documents, translations). In good face, there can be high minimal thresholds for investment.

Where to invest money - art

One hundred percent return is not such a big rarity on this free market. But to feel that it is who can have the greatest investment potential, only intelligent investors can only have a good taste.

250,000% per annum

The most reliable investments are investments in the famous artists of the last century. For example, the picture of Andy Warhol "Lemon Marilyn" was acquired in 1962 for 250 dollars. After 45 years she was sold for $ 28 million. 250,000% per annum.

Among modern artists, you should choose the most active, which are regularly exhibited in galleries and are advertised in every way. Pictures of such artists can be expected at 100-300% per year, despite the fact that the paintings of famous modern artists can be bought from 10-20 thousand dollars. It is worth saying that the main buyers of art are not lovers and collectors, but players of the financial market.

• • Method number 10 - Bank deposit
  • Method number 9 - precious banking metals
  • Method number 8 - acquisition of securities on stock exchanges
  • Method number 7 is trust management, mutual impact and pamm.
  • Method No. 6 - Investments in someone else's business project
  • Method number 5 - open your own business
  • Method number 4 - creating and possession of its own site
  • Method No. 3 - Investing in Real Estate
  • Method number 2 - to do short-term lending
  • Method number 1 - investment in the education of children or their self-education
  • The dubious way to invest small money: from 1500 rubles
• 4. Conclusion

This article will deal with the ways of investing small amounts of money, which, as a rule, has the most ordinary citizen of our country. There is an erroneous opinion that investments are the prerogative of rich people. This is a delusion, to invest small funds can almost every Russian.

The expression "Money should work" has become quite popular and modern, especially on the Internet. However, it is worth noting that although this expression is popular, but only a few embody it into life. The reason is that most are faced with certain obstacles and do not know how to overcome them or do not want to cope with them

What you want to invest, assumes the presence of a certain amount of free funds and the lack of debts on payment cards, loans and so on. If you still have to go to someone, then investing is better to postpone - existing tools, as a rule, will not give you income in excess of interest rates on bank loans.

The most common problem - The presence of medium and small savings, because they are so small that they are difficult to invest in a decent and profitable business project.

Therefore, the question arises - where you can invest great amount? Before answering this and other questions, it is necessary to create a solid basis for the accumulation of funds.

We decided to draw up top ten ways to which you can invest a small monetary sumAt the same time not only to keep the savings, but also to increase them.

1. Accumulation of investment capital

Need to start postpone the minimum amount in 10% From your monthly income, even if it is a couple of hundred rubles at the beginning. The amount may be more than 10%, but no less.

Even "funny", at first, money turns into decent amounts over time. To accumulate funds, review your expenses and give up various luxury items and other spending not the esteem.

It will be wrong to deprive themselves - you will not be able to hold out long enough. Read more about how to save and save your money in . There we painted - 10 ways to accumulate money, even if you have a small salary.

Accumulation of money to start investment

Very right decision There will be a list of salary part of various special piggy bank accounts (it is possible to open a deposit), such services are often offered by modern banks. You do not see this money and do not have it, so it does not arise the temptation to spend them.

Also an important condition for normal investment work There will be a "NZ". Those. Money covering your six-month expenses, the so-called "stock for a black day".

Each person may face temporary difficulties, non-payment of salary, illness or loss of work.

When the initial capital is accumulated, it is best to explore the question "Where to invest a small amount of money?"

Download finished plan from Nikolai Mrobovsky

The most effective investment strategies in real estate 2016

2. Where to put a small amount of money

Before investing money, you should always begin with raising your own knowledge on this issue. Examine the concepts and terms on financial markets, find out which tests are applied to securities (technical or fundamental), find reliable sources of information on the Internet (perhaps books, diaries of private investors) and constantly refer to them. (Cm.

Well-known investor Warren Buffette I read more than 20 years of investment books.

3. Where to invest a small amount of money - 10 reliable ways

Consider the main ways where you can invest a small amount of money, such as 500 thousand rubles. Let's start with the method that brings the most low income.

Method number 10 - Bank deposit

This type of investment is quite good to everyone. However, it takes only 10 position, the reason is too low income. Although interest rate Often it seems tempting, in reality the situation is completely different. Banking rate Very rarely exceeds the level of inflation by 3-5%, sometimes not achieving these numbers. Accordingly, the illusion of income is created.

But despite all of the above, bank deposits have some significant advantages. You can especially allocate two of them:

• All deposits in the territory of the Russian Federation are protected state program Insurance deposits. Therefore, even in the case of bank collapse, the state will reimburse your losses. However, it is worth considering that insurance amount less than 1 4 00 000 rubles, this amount already included percentages.
• You save your time, and it is always expensive. All that is required of you is to bring money to the bank and make a deposit, the rest will make a financial institution for you.

Method number 9 - precious banking metals

Small savings can be investigated in precious banking metals. Often here is silver and gold, in rare cases there are other.

There are two ways of investment in valuable metals:

• First, open an impersonal metallic account (OMS).
• Secondly, buy ingots precious metals.

In the first case, the client "does not contact" directly with metals, in the second case, the client receives ingots into the hands, using them as it will consider it necessary. A significant advantage of acquiring ingots is that it can be used by any weight, which in turn allows you to invest a minor amount of funds. The size of the ingots starts with 5 gram.

Method number 8 - acquisition of securities on stock exchanges

The yield from this type of investment is significantly higher, if compared with bank deposits. But it is worth noting that at least a small experience is needed to acquire such papers. Therefore, before taking on such a way of attachments, it is worth paying attention to at least minimal learning.

And to all of the time, the unstable situation in the stock market - may contribute to the depreciation of the shares of even very reliable enterprises.

Method number 7 is trust management, mutual impact and pamm.

This investment is that the investor trusts his means of brokers, which combine the contributions of a large number of investors in one impressive portfolio, after which the invested funds use at their discretion.

Often these investments are used on stock exchanges and forex. If we compare the purchase of securities and trust management, it can be said that the second method is much more reliable, due to your means of professionals.

Method No. 6 - Investments in someone else's business project

Taking into account the fact that we are discussing where to invest small amounts, this option is suitable for investing in small business projects.

However, a natural question arises, which will be if the business project " progrit."Or something will go wrong?

In this case, it all depends on the exactly the documents were drawn up. Basically, the "fristed" businessman returns to the investor spent during the time.

It may take time from several months to several years. But it is worth remembering that the risks of losing everything is large enough. The reason lies in the fact that investor and entrepreneur, very often combined by friendly or related bonds.

Method number 5 - open your own business

Although it can be said that this is the most difficult version where you can attach small means, but at the same time it is the most interesting investment. In this case, the risk of losing savings is very high, but in case of success, a novice businessman will be rewarded in full.

It is worth noting that your own business will take a very long time and time from a novice investor. Still, if it was not possible to put your own business on your feet, the acquired experience of my own business is not going out. (We recommend reading -? Business ideas from scratch or without investment)

Method number 4 - creating and possession of its own site

In some sense, this position is similar to the previous one. Many investments your own website does not require. All you need is:

• invest in site creation,
• pay primary promotion (website promotion (SEO)),
• open WebMoney Wallet,
• register yourself as an IP.

However, it is worthwhile to take into account that although the funds for all of the above will be required not so much, the time will have to be given to this project more than enough.

See how aK just distinguish real ways to earn money on the Internet without cheating from fraudulent schemes

Step-by-step plan from Andrei Merkulov

Dozens of ways to make money online in a wide variety

Method No. 3 - Investing in Real Estate

During the collapse period, the square meters are becoming much more accessible. However, this investment tool requires a professional approach.

Check out the video from the expert in the field of real estate and finance Nikolai Mrohakovskogo

Download step-by-step plan from Nikolai Mrobovsky

The most effective real estate investment strategies in 2016

Also exercise investment activities Real estate is preferably in the most peak crisis. Determine the very bottom, can only be a pro. Enlighten with support for such a person in mind. In this case, you can ensure yourself the likelihood of the most profitable purchase.

Method number 2 - to do short-term lending

If you do not suit the 8 methods described above, or you have not yet taken a final decision where exactly to invest a small amount of your funds, then you can lend your savings familiar. But at the same time, it is worth considering that if you lend, even your friends, under the percentage - you violate the Russian law.

It is worth noting the WebMoney credit exchange. With this platform, you can issue a loan at the same time without violating any laws.

The main direction on this platform is short-term loans. The rates of such loans are good enough, but the return warranty is not.

Method number 1 - investment in the education of children or their self-education

One of the best investments where you can invest a small amount - self-education .

An investment in education always remains the most relevant and in demand. The reason is that it does not interfere with neither age or profession, nor the place, you will always have the opportunity to improve your qualifications or master the new profession.

But it is worth remembering that it is best to get that diploma that you can apply in reality. When choosing a new profession, it is also worth considering your attitude to her, as it is always better to do what the soul is.

It is impossible not to mention the investment in the education of their own children, which is also the most profitable and long-playing investment.

Dubious way Attach small money: from 1500 rubles

On the Internet there are many different projects that suggest investing money under big percent. We recommend that such projects (Khaip, various "depositors" of wallets, etc.) relate to alertness and not trust them. You have a task where to invest and make money, and not lose them. Therefore, make sure the reliability of the project (investment type) and only then trust your money. One example of an incomprehensible way we described below.

Here is the text of the method, which involves high investment income. The essence and purpose is practically all the same, they all work on the principle of financial pyramid.

"Determine the acceptable level of the Commission for Invest Intermediaries. It may be 2% and maybe 5% in some cases. Add the amount of commissions to the amount you are going to invest - this will be your initial investment amount.

If you carefully consider options, you can find companies that place your investment even without commission.

Pay attention to the hidden commissions, carefully read the purchase contracts. It is best to choose not only obligatory options, but also those that offer discounts for reinvesting received profits. Such a discount can reach 5%.

The main difference between the two of these tools is that Drip suggests you at least 1 share of the issuer's company, so that the novice investors DSP is more likely to use.

You also always need to look for new funds with low initial investment threshold. They tend to use an automatic investment plan and remove a certain amount for contributions automatically from your personal account. This is a fairly simple and inexpensive way to create your own stock portfolio. "

4. Conclusion

Let's summarize the issue: "Where to invest a small amount of money?". Even if you have 500 $ You can take advantage of all popular investment methods.

But in this case, you recommend paying attention to the investment in the PAI, mutual effects. stock and currency market. pay attention to index Funds that work on the "wide" market. The profitability of such investments will be about 10% annual. By choosing a specific fund, you can further invest funds without additional commissions.

Do not attempt on short-term price changes. This is the way to loss of invested funds.

Afford to invest significant funds in securities Only an experienced investor can have a certain company, while having a lot of other shares and investment deposits to diversify possible risks.

Option the opening of the deposit suggestsa stable method of accumulation, due to the minimum risks of this type of investment, is popular with many investors. Moreover, the state gives guarantees and compensates for your deposits in the Bank's bankruptcy.

Small banks in order to attract funds to deposits often give a higher and profitable percentage of payments for the client. Also on this topic, we recommend reading the article - - expert advice

Now that you know where it is better to invest a small amount of money, you can start your little investment activities and make money. It is much more profitable than keeping money at home under the mattress.

Real estate, business.

Bank deposits (deposits)

It is the easiest, elementary and reliable way Investments. You give your own to the bank under certain percentage. Bankers of this money "scroll" by investing in other financial instruments. Why do you get a pre-agreed profit percentage.

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

The advantage of investments in the bank is that you know exactly how much money you can get after a certain period of time, while the remaining financial instruments cannot boast this. Calculate the profitability of a contribution you can on the deposit calculator, and also if you need to calculate the overpayment amount by one or another loan, then use credit calculator.

On the topic of bank deposits, read:

PIFES (mutual investment funds)

This is the second most popular method of investment. In short, there are a collective financial instrument that investors are invested in one big boiler and, then, this one big amount of funds professional managers increase in various methods.

Shareholders (so-called those who have invested their money in FIF) usually invest in stocks, bonds, gold, currency, etc. More precisely, they are not simply investing, but they control them. Just buy promotions can any fool. The task of professional managers is to find such shares that at the time of purchase fell in price and there is the likelihood of their further growth.

In order to determine this probability, technical and fundamental analysis is used, the economic situation is studied both in the world and in a separate region, news, as well as many other parameters, which are too complex for a simple alignment.

In this and the essence of the disease, save people in these issues from all these difficulties. If you have free funds and you have no opportunity to trade on the stock exchange from morning to evening, it is easier to convey this money to those people who plunged into the topic of investing with their heads and have a lot of experience. At least at the initial stage.

Further, as you grow your experience in financial matters, you can begin to buy the shares, bonds and other investment tools. This is more detailed later, but still come back to the Pyphams.

If compared with others financial instrumentsThe investing capital in the action is more profitable in the long run, but at the same time very risky.

Here you need to keep your hand on the pulse, track the situation in the markets, so as to prevent capital loss on a strong fall of financial markets that occur during all sorts of crises.

To more clearly understand what profit can be obtained on stocks, see the video "How to make money on Sberbank shares 678% of profits."

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

Bonds

This financial instrument is designed for people who are not inclined to risk. Get on it a big profit is very difficult. Usually profits on bonds no higher profits on bank deposits. Therefore, this financial instrument is difficult to call a profitable investment.

However, this does not mean that money in bonds should not be investing. The fact is that it is not recommended to "keep all the eggs in one basket". Experienced and successful investors always distribute their funds in several different tools in order to reduce their risks.

Imagine, you have invested all your funds in stock, but after some time the crisis occurred on the market and the prices for them fell. At the same time, the amount of your capital will decrease. So that this does not happen, 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 tool, but you will win on other tools. But back to the bonds:

The bond is a long emission securities that confirms the right of its owner to receive a certain amount of money from the issuer.

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

Forex

Forex (Forex, sometimes FX, from English.Foreign Exchange. - exchange foreign currency) - This is the market of interbank exchange currency at fair prices.

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

Forex trade always comes in currency pairs, as in the example above. Changing the value of currencies occurs constantly and depends on the set of factors. For example, in Greece, the economy does not develop, the state of profits does not receive, but it is somehow necessary to contain a country. Since Greece is part of the European Union (EU), then everything is sold in the territory of this country and is bought in euros.

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

This method of investment of funds can be called beneficial only in the case when you sell the forex yourself when you have a lot of experience, your own entry strategy and exit from the market, as well as the Iron Will.

People who have made a state on Forex - units. But those who tried to get rich on it and burned - millions. Make conclusions yourself.

Cumulative life insurance

This method of investing funds can hardly be called profitable. How clear from the name is insurance in case of any unforeseen circumstances. Her difference from ordinary insurance is that it is a combination of life insurance and human health with the accumulation program, preserving and increasing your capital.

If ordinary insurance simply pays you a certain amount in case of offensive insurance caseIn this case, in this case, if you have nothing happened during the entire period of the contract, then you can get the entire amount accumulated over the years, or receive a monthly payment to the end of life.

OFBU

The office is decrypted as general bank management funds. In essence, these are the same mutiings, but with wider investment functions. On the one hand, it is a plus, since investing money in the office you have the opportunity to increase profits due to broader combinations of investment. On the other hand, it is more risky.

There were cases when the Offhouse showed a yield of 600% per annum. However, the main problem is that the activities of the Offhip are not much regulated by law, which is less susceptible to control, in contrast to the same mutual effects.

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

Read more about the activities of general funds banking You can read here :. From myself I will add that at the moment it is best to invest such an amount of funds that you will not mind with what to lose.

Hedge funds

Immediately I will say that in our country it is a relatively new and not a fairly developed financial instrument, which is only available to wealthy customers.

The minimum amount of the entrance here starts from several hundred dollars to a million. In the West, hedge funds are greatly popular.

Hedge funds have no clear regulatory regulation, which allows them to freely choose strategies for enrichment and enjoy a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super-profits and colossal losses.

One of the most striking examples of hedge funds is the Quantum Foundation, the founder of which is the most discerning, which was able to make a profit equal to 1 billion dollars per day!

Structural (structured) products

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

This financial instrument has become particularly popular during the crisis. After all, when you invest money in the growing market and constantly get a good profit - this is one thing, but when the situation in the markets is not stable, especially during crises, then many investors are trying to find reliable ways of investing funds that will give them big profit than banking Deposits.

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

All this allows at the worst scenario to stay with their money and not losing anything, at best, make a profit of about 20-30%. This is not very much, but higher return on bank deposits.

Although again with what to compare. For example, the most successful investor in the world Warren Buffett provides its customers with about 24% per annum over the past 35 years. 24% per annum seems to be not much, however, only buffett and no one else can receive such profits.

Gold and precious metals

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

Gold should not be considered as the most favorable way of investing funds, despite the fact that last years It greatly rose. The fact is that most often gold acts as a shelter for investors in difficult times.

When crises are dominated in the world, so that their investors are putting out their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis retreats, the investors are immediately looking for more profitable ways of investment of funds. This is due to the rise in gold prices in difficult times. But then, the price of precious metals inevitably falls.

The property

Real estate has always been factive way Investments. It is not enough that the real estate itself does not depreciate and as a rule, from year to year only becomes more expensive. But the real estate allows you to get passive income From leasing it.

True, there is one seriously "but", which is the high cost of real estate. In essence, this is an investment for wealthy people. Because of which this method of investing funds should be considered not at the initial stage, and then when you already have big Capital And you have the opportunity to invest in various financial instruments.

True there are exceptions. For example, you can it is profitable to invest money In real estate at the stage of its construction. At this time, as a rule, there is no need to make complete value For housing and you can pay a monthly part.

Thus, if you have the opportunity to make the necessary amount and this will 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 is much less than later, when construction will be over.

Business

Each of those discussed above financial tools, It has a certain degree of risk (reliability). Depending on this, the range of possible profits is changing. The risky financial instrument, the greater yield it can bring. However, as loss too.

Each of these financial instruments have their advantages and disadvantages. And under various life circumstances, it is worth selecting optimal investment methods. But, personally, I have already defined the most profitable way. to invest money - This is a business!

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

Any other financial instruments do not depend on you. They depend, for example, from the current market situation, from the conditions of the conditions defined by other people, from financial results a specific company, from the actions of speculators, from marketers developing certain financial products.

Creating your own business is fully your victim.

Here you are installing the rules for which you will play. Here you decide which income you will receive. Of course, business also depends largely on various external circumstances. But, in any case, the last word is yours, even if you decide to sell it.

In 2007, I first discovered my own business. It was a small tanning studio. More precisely, it was a small room in one of the hairdressers, in which I put the solarium, all the necessary accessories, planted the administrator and began to earn money.

This business has many advantages. I will tell about them in the following issues. So far I just want to sharpen your attention on the fact that this business brought me good dividends. Per year I got more than 100% per annum.

It was an excellent test, during which I was able to show many of my talents. Organizational abilities, managerial skills, designer talents, checked their advertising vision.

I regularly conducted various marketing research, collected analytical data, conducted negotiations, found a suitable premises - this is only an incomplete list of those areas in which I applied my knowledge and experience or mastered new horizons.

When you work for hiring, you are not so much responsible as in your own business. These are very different measurements. Hired work is someone else's. Own business is your own. You yourself owner. You decide how and when you work and do not work. You do not need to report to anyone. This is a fantastic state.

Creating your business, you feel the creator, artist, poet. You create your own product or service. And only you are responsible for its quality. It was a very interesting period of life when I had to worry a lot, rejoice, worry, strain, enjoy the pretended.

Creating your own business very strengthened my faith in myself. If before this event, I had many complexes, fears, experiences, doubts, prejudice, then after I organized my work, they melted like smoke. I fastened. I became stronger. I grew up.

Why am I saying it?

In order to convey to you the thought that investing money in your own business, you get not only material benefits in unlimited quantity, but also develop in many areas of life, including personal growth and professional.

You are unlikely to achieve similar results by investing in deposits, shares, mutual effects. Therefore, if you have free money and you are looking for where to invest, Think about creating a business.

If you still do not have free money, then urgently start to lead, in order to collect the initial capital. I have on this topic, which will help you in the near future to accumulate the original capital to create your business.

Personally, I did not take any loans in banks, did not take money from friends and acquaintances. All I have invested in your own business was the result of my effective family budget management.

Now, I have already developed several businesses. It is very interesting and exciting. These projects bring me much more profit than when I worked on hiring. These businesses bring me more money than bank deposits or some other financial instruments.

At the same time, I am completely "violet" for crises and everything that happens in the world.

My income does not affect this. This does not mean that with other financial instruments I do not work. I have some of the funds in bank deposits, part of the funds are invested in the shares of various companies, with what I regularly buy assets you are interested in. Also, there are investments in mutual impacts and pimm.

I regularly track what is happening in the financial markets and, depending on the situation, make decisions on the purchase or sale of certain products. Investments are a very interesting and big topic in which there is no limit to perfection.

Do not be afraid to risk, pick up the fact that you work best, accumulate funds and financial freedom and independence will not make themselves waiting for a long time.

P.S. In conclusion, I suggest you to relax a little and see the fascinating spirit video. You still have not seen such a stunning beauty ..

Video for dessert: Video taken first place in the world of extreme

As you know, recently the situation in the stock market has become very aggravated. The fall of the ruble exchange rate has not positively affected the data projected by experts. Therefore, every person who has its savings is worried about them and looking for ways able to help him preserve finance due to inflation, and thinks where to invest money with a guarantee. After all, otherwise what is now value, it can soon become a penny. But there is always a way out, and even now, in such a tense atmosphere, you can find a solution to the problem. An investment in various spheres will help not only save their resources from the depreciation, but also to make money on them.

Currency operations

Already quite a long time, the dollar retains its position on stock Exchange. In this regard, many experts believe that the ideal solution will be the translation of all savings in the US currency. Perhaps this course will allow not only to save resources, but also to profit in the future. This is exactly the option where it is more profitable to invest money.

If a person is ready to risk his finances, he can try to make an attachment by transferring his money to euros or dollars. The most important factor affecting the value of this currency is the cost of oil. In addition, political changes in the course affect the course fluctuations. Therefore, it is very important before making a deal, carefully examine all the projected data and estimate possible risks. And only then decide, which is more profitable to invest money.

It is also worth paying attention to the strong currencies of the conservative format. This refers to something like sterling pounds. But these currencies, rather, will be only a protective mechanism of financial savings. It is advantageous to exchange money will later work out, only if you invest in US and European currencies. Given their growth in the future it will be possible to get a good amount.

Create a personal project on the Internet

From the moment the Internet appears, the world's world has changed, its horizons have expanded significantly. The global economy is currently experiencing quite serious changes. And their partial cause is that many translate their business into a virtual environment. Now, according to experts, financing the scope of services, a trading business or in the production of own products in our time the most risky business. But invested investments in the Internet project can bring good money.

The most relevant in this market is now considered online shopping, blogs, news portals and forums. If the choice where money to invest in order to earn, falls on the scope of the Internet, but you absolutely do not have experience in this direction, it is best to collect staff. At the moment there are many IT specialists who can not only develop the site itself, but also fill it with a unique, interesting content. It is from this that will depend on the resource attendance, how much money it will bring and so on. That is, the more interesting information will be on the site, the greater the likelihood that the project will be profitable. In addition, it is important that you work to promote specialists. They will be able to withdraw a resource on the first pag of search engines and attract more visitors. And then this sphere will indeed be the one where it is more profitable to invest money.

The main point, why the Internet is a profitable investment is that there are no restrictions. That is, it does not matter the time of work or the geographical location of your enterprise. Your customers can be people from any corner of the earth. That is why the project in the virtual environment is good decision For investment, experts say.

PIFES.

Attachment of free money in Pyfa is the old method of people who understand what is a market for finance, securities and all of this. Many experts believe that this is an ideal solution for investing money in our time. A diagram of such enrichment has long been practiced, many young investors on such investments have made their own fortune.

The essence of the mutual investment fund lies in the fact that investors collectively invest their money, transferring a power of attorney for further support by traders with experience in this area. All invested money is collected in the general fund, then you need to find a management project, which will carry out all financial operations in order to profit for all investors.

This option is ideal for people who are just starting their investment activities. For an ordinary person, the necessary information about what in different organizations is not always available. economic indicators. Acquisition of securities Case is simple, it can make any novice investor. Difficulties begin when the need arises to start running them. A professional trader will tell you in which actions to invest money, or better in valuable metals and other important assets whose cost temporarily decreased to return its own position in the financial market.

For professional search for the ideal embedding of money, it is necessary to make efforts and emphasize your attention on the sphere that interests you. First, it is important to understand what is world economy And understand all its subtleties. Secondly, it is necessary to follow all news, only so you can respond in time to important changes in this area. For an ordinary person, it is quite difficult and not always clear what to pay attention to and how to do it. Therefore, if there is no experience and knowledge in this matter or simply lacking time to do it, it is better to find a professional specialist and entrust him to finance and investment. Worrying for the honesty of cooperation with the management company will not have to be, because all its activities will be strictly controlled government agencies.

The property

Acquisition of housing is one of the most correct ways to invest money in order not to lose. Prices for it fall very rarely, and in the case of the center settlement Also grow. And no matter what commercial it or it will be residential premises. According to experts, the cost of real estate will only increase in the coming years. Therefore, investing in this sphere, you can get a decent profit. This is one of those options where to invest money to get monthly income.

An ideal investment option will be the purchase of a living space and renting it to rent after the design of all documents. People who use this method for capital accumulation are recommended to purchase several rooms or a couple. one-bedroom apartments. Mostly for the year, the landlords receive from 10 to 20 percent per annum. To ensure that the cost of housing takes off for about 10 years, and as a result, the apartment will begin to bring net profit to its owner. But it is still a faithful option to invest in order to receive a monthly income.

This investment tool will be useful to those who have a good start-up capital. The idea is completely nonsense, so she has long established itself as a good option investments. After all, it turns out that the landlord receives a monthly income from each acquired area.

The most important disadvantage in the decision to invest in real estate is considered the high cost of investment in this area. In addition, there may be unexpected problems during the transaction, which will have to decide. But nevertheless, such investments are a guaranteed option for investing with long-term profits.

The biggest risks in investment projects

For people who want to get a big profit from their investment, it is very important to be able to see the prospect of the project. Just learning to distinguish between profitable transactions and schemes of fraudsters, you can start making investments. There are projects in which not worth investing in any pretext.

It is necessary to bypass all sorts of hotypes, or, as they are still called, financial pyramids. A well-known example of such fraud is MMM. To bring huge money from such a project only at the creators of the pyramid, the rest become bankrupt about the year. Experts strongly do not recommend investing in such schemes.

Also, there will also be an attachment in the online casino. This is a very common type of investment collapse, because many invests almost all their savings into these projects and eventually remain with anything. After all, to win in such a casino is almost impossible, at least a large amount. But to spend everything in the hope after all, you can get Jack Pis. The main scheme of this business is that people who prone to gambling put money there, and at the right moment is not able to psychologically stop, so they lose all that they have.

These are the two most common schemes where novice investors offer notorious "Mousetrap" cheese practically free. But our world is arranged so that crazy money do not bring stable income, but on the contrary, provoke a person to lose everything that he has. Do not pay attention to bright advertising and trusting slogans. It is better to consider more serious and reliable options for what is more profitable to invest money.

Precious metals

Purchase of precious metals is, perhaps, one of the oldest and most common investment methods financial means. Most often the choice of investors falls on the purchase of gold. At the moment it can be exchanged for money in banks, and it is measured in the ingots. Usually the price of this precious metal jumps, but, despite this, all investors have a profit from such an acquisition in this direction, and quite good.

It should be borne in mind that the transactions of an impersonal type will allow to buy gold without paying taxes. And it does not matter, you buy it or sell it. But if you decide to buy a ingot, then you will have to give 18 percent of VAT.

Now it is popular to buy not only gold bars, but also other metals. The most common is silver and platinum. It is possible to make a profit with such acquisitions if their value in the world market will begin to rise. If you are afraid that you lose money because of inflation, then gold is best attachment. It is only worth considering that the transaction should be carried out when the cost of the metal will be at the lowest level. It is not possible to pay off this investment may not immediately, so it is best to invest free money.

Investing in art

If there is a question where to invest money to earn, then it is worth considering the option of investing in works of art. The main thing that is needed for this is to have ideas about this area and to understand it well. Also on your shoulders will lay the need for a constant presence at various auctions and exhibitions, because you will have to look for buyers who want to buy this thing.

Investing such a kind has its pros and cons. It's no secret to anyone that you can purchase and sell the subject of art. Moreover, anyone can accomplish such a deal, no matter how old he is or what is his status.

Special permits or documents in order to make a purchase in the field of art, not needed. If necessary, you can use the services of a professional, well-disassembled in art, which will be able to assess the cost and confirm the authenticity of the future acquisition.

Most. favorable time For such investments, the crisis is considered. It is at this time that many people bankrupt or significantly lose their condition, begin to give such things at low cost. The main minus investment in art is the long-term profit profit. Sometimes the buyer's search can take years.

Own business

Investing money is very beneficial in the development of own or other people's projects. According to experts, this is one of the most effective ways Profitable investment. Of course, this area is one of the most profitable, but to achieve a positive result will have to work a lot and seriously affect the question. And not guess what business is investing in money.

Experts argue that the first and most important step in this case is to assess the initial amount of investment. It is on its basis that it will be possible to build assumptions, whether to invest in this project is rationally, and what it will be profitable or unprofitable.

Also on the profitability of such an investment is influenced by many external factors, major among which is competition, unscrupulousness of suppliers and employees, as well as constant changes in the country's legislation. The main thing is that money invested in the case brought pure profit.

As for the question of which business can start with a small number of investments, there are several banal options. First, you can try to open a grocery store or offer services for the production and installation of windows and doors. Secondly, you can try to organize a personal farm, buying land plot in the countryside. Options where to invest small money can be a lot, most importantly - understand what you would like to do, and make sure that it really profitable businesswhich is worth investing. If you are poorly understood on the question, it is better to use the services of professionals who can advise you the best option.

Bank deposit

In recent years, a very common option for protecting money from inflation is considered to be beneficial to invest in the bank for interest. A lot of money on such an investment instrument will not work in any case, but the inflation will definitely not be able to spoil the mood.

If you did not decide where I wanted to invest money, it is worth considering this option. The main thing is to find in what banks it is profitable to invest money. You need to look for those structures that can survive any crisis. The easiest way to work with private organizations. If there are such ones, you can go there and open a deposit account for interest.

Naturally, there are risks of such a decision where to invest money. Expert advice - to open a deposit no more than three months, but at the same time indicate in the contract that you want to capitalize interest and want the prolongation to be automatically. Be sure to clarify that you reserve the right to get your money back at any time, if necessary, even if the term of the deposit has not yet expired. It will only work out that it is profitable to invest money in the bank for interest.

If it will work stable, you are waiting for good dividends. If any problems arise or the risk of its bankruptcy will appear, it will be possible to pick up money and discover a deposit in another, more reliable place. If you take into account deposits, then this is a good option where to invest money. Expert advice - carefully read all contracts and follow the news of the Bank's status.

conclusions

The world market is now sufficiently unstable, so it is important to be able to make rational solutions in crisis moments and be able to work and adjust to the most different changes in the economy and legislation. Having considered many options, we can safely say that keeping money from inflation and even getting profits from them and you need. But it is very important to understand in the sphere that will become the main after the financing.

Just understanding with what you are dealing with, you can achieve positive results. In addition to positive moments, there are negative: these are multiple pyramids and other fraudulent schemeswho are able to bind the mind of a novice, an inexperienced investor. Therefore, without experience and ability to deal in business, it is best to hire specialists who can soberly and healthy risks and choose the right decisions regarding all investment operations.

Every year, the global market is growing, recently has many new, promising areas for investment. Therefore, beginners and not only investors are where to turn around. The main thing is to objectively assess your capabilities and calculate all the development options for the investment to be profitable, and not unprofitable.

Many people with the emergence of a large and free amount of funds are thinking about different possibilities for its increase. To do this, you can use different investment methods. They suggest investing money in business, bank deposits, PAMM-accounts, cryptocurrency, real estate or other projects in order to obtain high profits. If a person has never been involved in the investment, he arises the question of how to invest right. The procedure completely depends on which one is used for this, what experience and skills are available from a citizen, as well as where it plans to invest.

Concept of investment

The process involves an investment in the selected project in order to profit. This contributes to an increase in initial capital.

It is important not only to understand where you can invest money, but also how to invest right to reduce the risks and get high income. Risks are significantly different when working with different projects. Bank deposits are considered the most stable, but there are low income on them that covers only inflation. If you invest in cryptocurrency or PAMM accounts, you can count on high profits, but there is a risk of losing all invested funds.

Where to get funds?

Before you choose a way to invest, you should decide where the money will be taken to these goals. Many people, thinking about where to invest money properly, do not come, because they try to get income as quickly as possible. They draw out loans, take funds to the debt in relatives or lay their property. Such actions can lead to negative consequences if the investment does not bring due profits.

How to invest right? To successfully invest, consider the recommendations of professionals:

• applied only own fundsdeferred from salaries or other income that are not required urgently for different purposes, as well as their use will not damage family budget;
• calculate at first it is necessary solely on the available sources of income, since first investment almost never brings high profits;
• it is advisable to start with small amounts to deal with the rules and nuances of obtaining income and reduce risks;
• in the first year, all earned funds are sent to an increase in the capital used to invest, which will create an interesting and advantageous investment portfolio;
• the resulting profit should be monitored, which makes it possible to understand how different income schemes work.

If you figure out how to start investing correctly, you can get a really significant income with small initial investments in a few months.

Where to invest money?

The main question arising from novice investors is associated with the choice of the direction of investment. To say exactly where to invest money is correct, it is impossible, since each method has both pros and cons.

It is advisable to focus on projects in which the investor is well versed. It is recommended to start with the least risky schemes, and after studying already risky projects, try more interesting investments.

Bank deposit

Such an investment is considered standard and not too profitable. It lies in the following:

• the bank is selected for cooperation offering the highest interest on the deposit;
• the program is selected by which it is not allowed partial removal or replenishment, since in this case the most high percent;
• the corresponding contract is concluded;
• money is frozen on the account for the selected time period;
• after the end of the term, funds are issued with accrued interest.

It is almost impossible to lose money by insurance deposits, but still you need to choose only reliable and profitable banks for cooperation. But even when choosing itself high Betting It is not necessary to count on a good profit. It usually overlaps only inflation, so it is difficult to call such a way to invest.

Investment in currency

People who think about where to invest right, often choose the investment of money in the currency. The procedure consists in the following actions:

• purchase monetary signs Popular currencies;
• opens in a bank currency account;
• due to the growth of the cost of the currency, profit is provided.

Such an investment has many advantages. This includes the fact that you can start work even with the minimum amount of funds. Sale and purchase of currency is a simple process, and nested funds are not lost. If you understand well in politics and economy, then with a competent choice of moment to purchase a currency, the profit can reach 60% per month of work.

The minuses include the high risk of investing money. In order to properly invest money in the currency, you should study the dynamics of changes in courses, assess the possible prospects and check the forecasts of experts. Additionally, you have to list the bank a high commission.

Buying a property

If a person wants to save money as much as possible, where to invest the money properly? If the investor does not want to understand the features of the economy, politics and investment, he can spend funds for the purchase of real estate. Even after crises, the cost of housing is constantly increasing. The process involves the purchase of housing at the first stage of construction, and after putting the house, the apartment is sold. Profitability can reach from 30 to 60%.

The advantages include low risk and good yield. The disadvantage is that apartments are sold long enough, and there is always the likelihood that the developer will declare itself bankrupt.

Buying gold or precious metals

Demand and gold prices are constantly growing. If the investor does not want to address the risks, buying and selling different shares or bonds, and also wants to make a profit after a sufficiently long period of time, then the investment of funds involving the purchase of gold is selected.

The investment process is to buy precious metals in ingots or coins. Additionally, it is possible impersonal metal bills. Profit will be obtained when changing the price of gold prices.

The advantages include the reliability of investment, as well as the guarantee of profit. The minuses include the need for long-term investment of a large amount of funds. Deposals on metal accounts are not subject to insurance, and income is subject to personal income tax. If the profit is urgently required, then such an investment is considered meaningless.

Investing in business

This method of investment of money is considered interesting and difficult, therefore it is only suitable for investors who want to work in the field of economics. How to invest money in business? The process can be performed in different ways:

• buying a company;
• acquisition of shares of successful organizations;
• investment in startups, distinguished by profitability and prospects.

Each option requires an investor to have knowledge in the field of economics. Additionally, it is necessary to regularly take part in the management of the company in order to control the correctness of its development. Therefore, such an investment is considered interesting only for active investors who are not interested in passive income.

Investment in PAMM-account

Many beginners and even experienced investors often think about how to invest in PAMM accounts. This type of investment is considered the most promising and advantageous now among different features and projects.

The process is the following actions:

• the investor collects the desired amount of funds;
• the company-broker is selected, engaged in the Forex market;
• the company on behalf of the client is engaged in exchange and trading currency;
• if the optimal organization is really chosen, then its work brings high income from which only the Commission for Mediation Services is charged.

Some investors after using PAMM accounts begin to independently engage in trade in the Forex market. But even for profit without direct participation, it is important to figure out how to invest in a PAMM account. Alpari, InstaForex and Exness are the most famous and large-scale broker companies, so it is necessary to focus on cooperation with them. In this case, you can guarantee a high income from investment.

People who want to properly invest in PAMM accounts, it is important to understand the rules of work of brokers, to correctly choose the site, as well as distribute the existing capital between several companies to reduce the likelihood of losing all means. In a different way, such an investment is called trust management, so it is important to really trust the chosen organization.

The advantages of such investments include the fact that the investor independently chooses who is entrusted to his funds, and also provides maximum information for making important decisions. With a proper choice of broker, the yield from activity per year can reach 100% of initial Capital. Control is carried out via the Internet, so this procedure can be performed from anywhere in the world.

Attachment in mutual

They are considered an interesting and advantageous way of investing funds. Money is transmitted to trust management, so this tool is considered the most convenient for each novice investor. How to invest in mutual effects? For this, the following actions are performed:

• it is chosen reliable and long-working investment fund;
• the share in the General Fund is purchased;
• management Company Engaged in the investment in stocks, bonds or different currencies, moreover, the main purpose of this process is the receipt of profit;
• the income depends on how efficiently and correctly placed the assets by the Fund.

The advantages of such an investment include a low entry threshold, therefore, only 3 thousand rubles is enough to participate. Cash Are in the hands of experienced managers. Pyp activity is regulated on state level. If necessary, you can quickly sell the existing share.

The cons associates the restriction in the purchase of different shares, which leads to low yield. The company may not have time to get rid of securities on which the cost is reduced, so such investments are not always successful.

Work on the Forex market

Each investor can always be a successful broker in the Forex market. The process involves the sale or exchange of currencies. For successful work, it is necessary to understand well in various factors affecting currency courses.

The advantages of such an investment include the opportunity to receive a really high income if you enjoy winning strategies. But at the same time there are significant risks at all lose all invested funds. Additionally, difficulties often arise with the output of earned funds. The Forex market activities are practically not regulated by government agencies.

Investing in cryptocolutu

This method of investing money appeared relatively recently, but quickly became popular among experienced investors. High demand for cryptocurrency due to use modern technologies To create digital money. The cost is constantly increasing, as well as the number of areas of activity in which money data is used.

How to invest in cryptocurrency? For this, it is important to correctly choose digital money, as you should buy only a favorable currency, the use of which will not lead to the emergence of serious losses. During the choice, the popularity of cryptocurrencies, its mobility and safety is estimated. The most often acquired the following types of digital money: Bitcoin, Ethereum or Litecoin.

The investment process is divided into the following steps:

• the optimal cryptocurrency for investment is selected;
• funds are allocated by the investor;
• a wallet is created;
• it is selected suitable for the work of the Exchange on which you need to register;
• acquired at a favorable course cryptocurrency, for which the decline period is selected;
• digital money is listed on an offline wallet, which provides protection against theft;
• sale or exchange are carried out during the growth period.

To get good income, it is important to understand well in different cryptocurrencies, as well as regularly track the change in courses.

Bonds

Many novice investors want to know how to invest in bonds correctly. The process is divided into the following actions:

• bonds are represented by debt receipts issued by government or foreign companies, and on these documents the borrower undertakes to return money with interest, so it is important to choose reliable and profitable securities;
• their purchase is carried out at an affordable price;
• after a certain period of time, the amount with percentages is paid, and the rate can be fixed or floating.

The advantages of such investments include the availability of low risks, predictability of profit and the possibility of obtaining good income when investing from 500 thousand rubles.

By cons use of bonds include the fact that if you choose truly reliable securities, then the yield will be low.

Cashbery.

This service is presented investment projectproviding microloans to citizens and companies. With it, you can get a good income from investment.

How to invest in "Cashbury"? For this, minimal deposits are opened, the size of which is 1 thousand rubles. These funds are made in debt by other persons at interest. It is impossible to know exactly what income will be obtained from this investment. Additionally, there is a risk of loss of funds.

Conclusion

Each person planning investing funds into different projects can choose a large number of schemes for earnings. They differ in the actions performed, risks and profitability. The more funds wants to receive an investor, the more high risks he will have to face.

To get a really good income, it is necessary to deal with currency courses or work in the Forex market. If an investor plans to receive passive earnings, then confidential management is used or funds in business and gold are invested.