You decide to invest your own. Where can you invest money - analysis of the effectiveness of different types of investments. Gold and other precious metals

Good day, friends! A few years ago, a former classmate and I started a small flower business. As a result, a year after the start, I stepped away from business and took up my current activities.

My comrade did not give up his business and has now risen quite well. On my advice, he also successfully invested his free money, so everything is fine with him now.

Do you want to know where you can invest your money profitably? Which areas are the most relevant? For a simple “thank you,” I will now share valuable information with you.

Where is the best place to invest and invest money in 2018?

Are you satisfied with average income and no less than average standard of living like most “ordinary” people? If you are reading this page, then most likely not. People who are used to thinking with their heads have 3 main goals:

1. Financial independence.
2. Good health. They say that money cannot buy health. This is not entirely true. Quality medical care will always cost a lot of money.
3. Confidence in the future for yourself and your family.

Only thanks to assets can a person create a personal financial “airbag” and passive income. Remember pensioners, they did not have the opportunity to invest in their future, and now their modest pensions only evoke sympathy for them.

This article is not a guide on the topic: “Where to invest money for dummies,” but, nevertheless, it covers the main methods of investing and allows you to determine the further direction of development in this matter.

When it comes to offline investments, it is clear that this involves directly coming to the office, filling out a number of documents and losing a certain amount of personal time, but sometimes it is worth it, since the investor has certain protection from regulatory authorities, or guarantees from the state.

To bank deposit

The most common and most accessible way to invest money is by investing money at interest.

Of course, when it comes to a bank deposit, you should not count on an increase in funds, since the interest on the deposit does not even cover real inflation.

Warning!

At the moment there are a huge number of banks offering different interest rates on deposits and, as a rule, the smaller the bank, the higher the rates, the reliability of such banks may be questionable, but if you decide to invest money in a bank deposit, you are insured, even in the event of bankruptcy or revocation of the license, the money will be paid to you.

But in any case, you should not count on 100% reliability of a bank deposit, since political or economic circumstances can lead to the freezing of funds.

Investing money in a bank deposit - advantages:

1. Low entry threshold (from 1000 rubles/500 UAH);
2. Guarantee of return of invested funds in case of problems with the bank;
3. Fixed guaranteed profitability;
4. Possibility of quickly receiving funds (most likely with loss of accrued interest).

Investing money in a bank deposit - disadvantages: Low profitability, which does not cover inflation.

When opening a deposit, there are a few things to consider:

• For what period of time do you plan to invest the money (it is optimal to invest money for a period of 1-3 months).
• In what currency to invest money - it is always better to invest money in dollars and euros (35% in dollars, 25% in euros, 10% in Swiss francs and 30% in national currency).
• At what interest rate and in what bank should you invest money (it is better not to chase interest rates and choose a reliable bank).

In endowment life insurance (NCL)

A product that combines two functions: accumulation of funds and life insurance (death, accident, illness, disability, survival).

As a rule, the contract period is 10-30 years. This product can be used as an opportunity to invest money to achieve an expensive goal (buying real estate, paying for a child’s education, etc.), or use it as an alternative to a pension, having accumulated a round sum by the time of your retirement.

That is, at the end of the program you receive all the accumulated funds and additional investment income, but this income will most likely compensate for inflation rather than increase the funds.

Before investing money in an NSZ, you should consider this investment option from all sides and weigh all the pros and cons for yourself.

Investing money in NJ has a number of advantages:

1. After making the first payment, insurance protection begins to operate in full, i.e. upon the occurrence of an insured event, no matter how much funds have been accumulated, the entire planned amount will be paid, or the insurance company will continue to make payments so that the planned amount is collected on time;
2. Investing money in an insurance program is useful because these funds are not subject to confiscation, collection, and are not included in joint property in the event of a divorce;
3. Insurance payment made upon the occurrence of an insured event is not subject to personal income tax.

If you want to invest money in NJV, be aware of the disadvantages:

• Systematic payments (once a month, quarter, year);
• The danger of inflation, i.e. by the end of the insurance period, the invested money may seriously depreciate (if you invest money in an NSZH, it will be pegged to the dollar or euro);
• You cannot withdraw invested funds ahead of time without loss.

This method of investing money should only be used to diversify an already well-formed investment portfolio.

Into precious metals

In years of economic instability, people's eyes turn to what has always been in price - gold. Of course, there is an opinion that the era of gold has passed and the future belongs to electronic currencies, but a person really only owns what he can hold in his hands. In addition, gold always covers inflation.

When asking the question: “How to invest money in gold and other precious metals?”, you should pay attention to the following, most common methods:

Attention!

Unallocated metal accounts (UMA). This is an opportunity to buy a certain part of the precious metal, which is credited to your account in grams, which reduces the threshold for entering this instrument, since you can make a purchase from 1 gram.

Compulsory medical insurance can be opened in many banks; when opening, you should look at the spread (the difference between the buying and selling rates).

1. There is no need to buy a whole ingot and worry about its safety;
2. You can quickly close your account and get your money back;
3. When purchasing unallocated gold, VAT is not charged.

Investing money in compulsory health insurance – disadvantages: Unlike bank deposits, they are not insured by the state.

Ingots. A good option if you want to invest money for very long-term savings, perhaps even for future generations.

Investing money in bullion - advantages: Gold or 999 silver at a price as close as possible to the market price.

Investing in bullion - disadvantages:

• When purchasing, VAT is charged; when selling, VAT is not refundable;
• When selling back, the bank is required to subject the bullion to an examination (done at the expense of the seller);
• Necessity of storage;
• Long investment period (decades).

Investment coins. Investing in gold coins is a great alternative to bullion!

Advantages of investing money in investment coins:

1. Not subject to VAT;
2. The price is close to the cost of the metal from which they are made;
3. Are legal tender;
4. Practically not counterfeited;
5. Over time they may become of numismatic interest.

Disadvantages of investing money in investment coins:

• Relatively low liquidity;
• Long investment period (years).

Jewelry. Buying jewelry for the purpose of investing money should only be considered if you have the opportunity to buy jewelry relatively inexpensively, either in other countries or in the form of scrap jewels. metals

Advice!

In general, investing in gold and other precious metals should be done when you already have a formed “safety cushion” and a sufficient amount of liquid assets.

To sum up everything said above regarding drag. metals, we can say that physical gold and silver are a good tool for preserving funds.

To mutual investment funds (UIFs)

A mutual investment fund (MUIF) is a form of collective investment in which investors' funds are pooled into a fund for further placement in securities (or other assets) in order to generate income.

Those. you, within your share, have a certain share of each share and/or bond (this is especially true if we are talking about expensive assets) included in this mutual fund. By the way, you can even buy part of the share.

Depending on what instruments are included in the mutual fund, there are the following types of mutual funds, and, accordingly, options for how to invest money in them:

1. Share mutual funds are the most common, most accessible to private investors and the most risky type of mutual funds; money is mostly invested in shares, but you can also invest money in a certain proportion of bonds;
2. Bond mutual funds are the most reliable instrument if you want to invest money in a mutual fund that has a fixed return (usually small). You will primarily invest your money in bonds, but part of the mutual fund may contain some shares;
3. Index mutual funds – money is invested in stock indices; this is perhaps the best option for starting investments in mutual funds, because the result of the management company’s work will be visible when compared with the dynamics of the corresponding index;
4. Mixed mutual funds are a hybrid of stock mutual funds and bond mutual funds, i.e. they consist of both types of securities. Such funds have the most flexible strategies: they can consist of 100% stocks during market growth and 100% bonds during market declines;
5. Mutual investment funds are mutual funds in which you can invest money in other mutual funds, i.e. There is a diversification of investments between different mutual funds.

What will you win if you want to invest money in mutual funds:

• Diversification of investment risks;
• Control and transparency of the fund’s activities (all necessary information must be disclosed on the management company’s website);
• Professional fund management, which relieves you of the need to understand the intricacies of the stock market.

What will you lose if you decide to invest in mutual funds:

1. Constant payment of remuneration to the management company, even if the fund suffers losses;
2. Compared to instruments with fixed income, mutual funds are more risky, but at the same time they can be more profitable;
3. Compared to deposits, there are no government guarantees for the return of funds;
4. The need to pay income tax (paid upon sale of a share).

My opinion is that investing in mutual funds is not worth it due to low returns and high risk.

In business or real estate

Owning your own business is one of the most relevant investment options. Business can be different, but the ultimate goal of any businessman is automation of profit. But, for various reasons, business is not suitable for everyone.

Warning!

To invest in real estate you need to own sufficient capital.

Property in the right location is always a very good option to invest your money.

Investing on the Internet is a solution for advanced people!

In fact, the Internet opens up investment opportunities for people of any age, regardless of occupation or profession.

Let's remember the traditional offline option - a bank deposit; the state offers to invest money in a bank at 5-20% per annum (depending on the country), which does not even cover inflation. But the World Wide Web provides a wide selection of highly profitable investments (from 40 to 90% per annum).

Investing money on the Internet is also attractive because you are not required to:

• Contacts with “necessary people”;
• Large starting capital;
• Investment knowledge, experience and higher education.

That is, absolutely anyone can invest money on the Internet, and it doesn’t matter what your gender or social status is!

Why do I choose trust management? The point is this: you place your funds at the disposal of an individual manager or company.

They, using their experience, capabilities, tools and knowledge, increase your capital. The investor and the company share the profit received 50/50%, but other conditions may also apply.

By the way, a deposit in a bank is also a trust management. True, the profitability from it is much lower, since the bank itself invests in various assets and gives you only crumbs of its profits.

5 areas in which trust management is the most relevant:

1. Stock market (investing money in bonds, stocks, etc.).
2. Investing money in real business (real sector of the economy);
3. Forex currency exchange;
4. Venture investments;
5. Various investment funds and companies;
6. Hype projects;
7. Futures.

You, as an investor, are not required to actively participate or have special knowledge. The manager does all the work. The most important thing is to find a smart manager who would effectively and competently increase your contribution.

Each manager and the company as a whole works according to a standard scheme. Each investor must have his own personal account, where he stores accrual statistics and the history of account profitability.

Attention!

Deposits and withdrawals are carried out using bank transfers and popular electronic payment systems (WebMoney, Qiwi, Yandex money, PerfectMoney, etc.).

Trust management is perhaps the most popular type of investment:

• Firstly, the entry threshold is low. A profitable investment is possible from $100. It is also possible to invest money in rubles and euros;
• Secondly, there is no need to understand the specifics of foreign exchange markets yourself (the manager will do everything for you, your job is only to invest money);
• Thirdly, to receive the service there is no need to visit an office, which may not yet be in your city (everything is done via the Internet, including depositing/withdrawing funds);
• Fourth, ease of monitoring.

For the same reasons, investing money in trust management is also relevant for investors who own serious capital.

Where to find a successful and competent manager? Indeed, half the battle is to know where to invest money profitably, but the most important thing is to find a smart manager and a transparent company with which the investor could increase his capital. And here you have only 2 options:

Independent search for a successful company. Fortunately, there is no shortage of such companies on the Internet. But the downside is that you will only have to be convinced of their competence through personal experience. The site can be very beautiful, attractive, with a high rating and recommendations, with very eloquent profitability graphs.

But all this does not guarantee that the company really is such. Therefore, you will have to spend time, conduct experiments, tests, and risk your capital.

The second option is more preferable - this is advice from other experienced investors. A knowledgeable and honest investor who has tried various investment companies, who will warn against unprofitable sites, and also recommend where to invest money with maximum benefit.

It is important to understand the essence of investing on the Internet: not a single experienced manager will give you a 100% guarantee that investing money in his account is the best and safest. The foreign exchange market is dynamic. He does not stand still and is capable of changing in the shortest possible time in the most extraordinary way.

Therefore, no adequate trader has the right to guarantee profit. If you come across someone like this, know that they are lying to you, and blatantly. Even the most experienced and professional manager sometimes makes mistakes. Therefore, try to avoid promises of guaranteed profits.

source: http://site/www.profvest.com/2014/10/kyda-investirovat-i-vlogit-dengi.html

Where to invest money in 2018?

Demand creates supply, and today investors are offered dozens of places where investing money can be a profitable idea.

Startups

Startups are innovative companies that offer new technologies that simply did not exist before. Introducing new and unknown technologies into life and bringing them to the mass consumer is a very difficult task, which at the same time can bring thousands of percent of profit.

Advice!

Please note that: New startups appearing every day that require investment. But only 10% of them have been working for more than a year.

In order to make money on investments in a startup, you need to make sure that the idea, goal, plan, team in a young company are well interconnected, if the company understands what it needs and what it does - this is an important component of success.

There are quite a few examples where startups literally from scratch turned into million-dollar companies, enriching their investors along the entire development path. Today there are special startup exchanges through which companies and investors converge.

A startup exchange is a site where startups register themselves, their proposals, business plans and declare the required amount to start.

Investors select startups and invest in them. So each startup can have many investors. When a startup reaches the requested amount, the project starts working and if successful, it will reward its investors.

Now that the American press has stopped printing money in the same quantity, there is an opinion among rich and wise people that in the next 10 years no new markets will be born, since there simply will not be free funds in the world for this. In 2018, the startup market shrank. This was affected by both the crisis and solvency.

PAMM accounts

I am involved in this type of investment. A PAMM account is essentially very similar to a mutual fund, only it is managed by one person. A professional trader creates a special PAMM account with a broker. This account initially contains only its authorized capital, for example, $50,000.

Warning!

Over the past 7 years, many PAMM account brokers have been born and died. Whatever the managers of existing brokers say, today there is only one leader - Alpari.

It is this broker who owns the PAMM Account trademark, since it was he who came up with this system.

By the way, now foreign brokers also have PAMM accounts, for example, the Swiss bank DukasCopy, although the PAMM system there is closed to the public and is available only by invitation.

Profit in this type of trust management borders on an average of 4-6% per month and 80-100% per annum if reinvestments are taken into account. Moreover, it is reinvestments that allow you to multiply your own profits and allow you to earn more than 800%!

This is a very high percentage, despite the fact that with portfolio investments there are practically no risks, and the minimum investment starts from $10. As you can see, this is a place where absolutely anyone can invest a little money.

Alpari provides all the statistics and data about the manager’s work, displays his transactions and trading volumes. At the moment, there are PAMM accounts that have been operating for more than 4 years and bring stable profits.

Since managers have different trading strategies, the profitability of individual PAMM accounts varies. If conservative ones bring 4-6% per month, then aggressive ones can produce more than 170% profitability in one month!

Risk control

By investing simultaneously in 10-15 different PAMM accounts, you reduce risks to the bare minimum. If one account for the reporting month brings a loss, then the others will cover this loss with their profit.
PAMM accounts are available to everyone; from the moment of registration with a broker to investment it will take no more than 10 minutes.

Attention!

High profitability, virtually no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.

After five years of investing, I still haven’t found any downsides. This is a great opportunity to have passive income.

Investing in the stock market

If money is put in a bank for safekeeping, then it is invested in the stock market to benefit from it. The stock market is a platform where securities, goods and even services are bought and sold. The main platforms are stock exchanges. In Russia, this is the Moscow Exchange - a merger of two previously separate platforms, MICEX and RTS.

It is not the investor himself who has the right to trade directly on world exchanges, but an intermediary - a broker with the appropriate license. An investor opens a trading account with a broker and through it buys stock assets, such as securities and others.

Options

For me this is a very profitable type of investment. Not long ago I tried all the options options and I’m ready to tell you everything in detail.

A binary option is a contract with the condition that the price of an asset will rise or fall within a time period that you set. If your condition is met - the price of the asset rises or falls according to your forecast at the set time, then you make a profit. Everything is arranged in such a way that even a child will understand.

It’s best to give an example right away: You buy a binary option on Microsoft shares for 1 hour and indicate that the price will rise. If after an hour, the price of Microsoft shares is higher than at the time of purchasing the option, you receive 80% of the profit. If you invested $100, you could earn $80 in an hour.

You can invest in options for periods from one minute to a week; you set the investment period yourself. Among the assets are shares of the largest companies in the world, such as Gazprom, Facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. And also among the assets there are assets of the commodity market (oil, gas, gold), stock indices, currencies...

How to make money investing in options? Yes, very simple! Just follow the news. If you find out that Toyota is starting sales of a new series of cars tomorrow, this means their shares will rise tomorrow.

Advice!

All you need is to invest in a Toyota stock option with the condition that the price rises for 1 day or even an hour at the peak of the day or at the very beginning of it. If you find out that a tsunami flooded a Toyota plant, then their shares will fall and you can invest in an option with the condition that the price will fall.

Thus, you see that you can make money not only on the growth of shares, but also on the fall. And there is a lot of news about companies every day, and thanks to the large number of assets, you can invest in options every day. It is enough to make only 2 successful trades per day in order to earn more than $5,000 per month.

This is the most highly profitable investment; in just 5-15 minutes you can get 70% profit. There are many trades you can make every day. Assets include the stock, commodity and foreign exchange markets. Available to absolutely everyone, minimum investment is only $25

High returns come with high risks. Successful investment requires preparation and careful analysis of the asset. Due to the possibilities of super short-term investments, an investor must have psychological stability and have his own strategy.

I have a lot of information on my blog on how to make money on options, you can read a little more about them here - Investing in binary options.

Stock

Investing in stocks is a fairly old and classic way. There are different ways to invest in stocks depending on the company. The average return on shares ranges from 10 to 20% per annum.

But there are exceptions, for example, Nvidia shares gained 200% in 2017.

For established companies, on average, growth can be 5% per year. For example, Google is already a huge business, imagine what it needs to do to increase its value by 100% in half a year? It's practically impossible.

But for a small pizzeria, it is enough to open a couple of new restaurants and conclude lucrative contracts in order to increase 500% in a couple of months.

Buying shares through a broker is an interesting process, you can see for yourself - broker FINAM-EU (Just2Trade) is a subsidiary of FINAM, that rare international broker that allows you to start trading with a minimum deposit of $200, although Amazon shares cost 700 You can no longer buy dollars with a minimum deposit.

Follow the special link and get access. You will be able to see in practice how shares are bought and sold on the NASDAQ, XETRA, and other exchanges. There you can buy shares of Google, Microsoft and more than 10,000 other companies from around the world.

Warning!

In addition to already established billion-dollar companies, new ones are constantly appearing, the shares of which are very cheap, but their potential, as well as their price, can increase thousands of times. For example, Apple was once a small startup.

If you do not want to risk a lot of money but want to make money on shares, CFD contracts are an ideal option - this is trading on price differences.

The assets include more than 700 shares of various directions, for example Adobe, Electronic Arts, AMD, Ford and so on.

It is worth saying that eToro is now actively cooperating with Sberbank, which has invested more than $15 million in the company and this is a good sign, because the international broker is now regulated in the Russian Federation.

It must be said that eToro’s assets include not only stocks, but also all currency pairs, indices and commodities. The minimum deposit is $100, but I recommend starting with at least $150-200 so that you have the funds to copy multiple traders at once or to purchase multiple securities.

Shares can provide good returns, benefits and are long-term investments.

A minimum stake in shares can cost quite a bit of money, and shares of unknown companies are quite risky.

Metals

Buying physical gold for future use is one of the long-standing traditions of saving money. And these days, gold bars are available for free sale in almost all banks in many countries, including Russia, Ukraine, and Belarus. A gold bar can have different weights, it varies from 1 gram to 1 kilogram. Each bank sets its own price for it.

Please note that: Gold has experienced a price boom over the past 15 years, but has been inexorably losing value since 2012. Today, the future of gold is not entirely clear, and investments in gold can only be long-term.

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

Attention!

A few years ago, Warren Buffett sold all his gold assets and was right. I believe that in 2018 there is no need to rush to invest in gold, at least it is worth waiting until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that in 2017, mutual funds dealing with gold have already suffered losses.

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

The price of metals varies greatly among different economies. You should not count on a large percentage of profit. When selling gold in a bank, you must pay a tax of 13%, this is the percentage that can be achieved over several years of investment.

Compared to bank deposits, investing in the stock market is considered significantly more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment.

More voluminous in terms of money and types of companies is the foreign market, where even children know about shares. Investments abroad are mainly based on shares.

But in order to successfully invest in shares, it is not enough just to have money to deposit; you need to have a good understanding of business and be able to predict. For those who do not feel confident in these skills, trust management would be the best choice.

Bank deposits

Today, the most popular way for Russians to save money is to invest in a bank deposit. It inspires more confidence among citizens than investing in investment funds. Perhaps this is due to the inertia of thinking, because in Soviet times it was possible to invest personal funds only in a savings bank.

I would say that people do not invest money in banks, but simply deposit them. The only exceptions can be very, very large amounts.

Interest profits at bank rates are small, on average 7-9% per annum, and the state insures each deposit up to 700,000 rubles against 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 rates: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are a place where anyone can invest money, but it’s difficult to call it an investment. Only the banker can earn money in the bank, and the depositor can only save his funds.

Warning!

The advantages are that banks are relatively reliable and you will definitely save your funds.

Cons: 7-10% yield is not justified, since the inflation rate is exactly at this level. It's hard to call it an investment.

mutual fund

Mutual Investment Funds are also one of the types of capital investments where it is profitable to invest money relative to the bank. Mutual funds are created to attract investments for the purpose of trading on commodity and stock exchanges, as well as real estate transactions.

Mutual funds have long been the most popular places where not every person on the street could invest money.

There are several types of mutual funds:

1. Open-type mutual fund - here you can freely buy or sell shares.
2. Interval type mutual fund - shares are sold only after a certain time has passed.
3. Closed-type mutual fund - does not accept deposits from private investors. Typically, profits are paid at the end of the year.

A mutual fund can be considered as a trust management - you buy shares, and your money is managed by the company, as a result of which the prices of the shares rise. But as I already said, in 2018 the risks are high. If you decide to invest in some kind of mutual fund, you should not invest all your capital in them, but only some part. Mutual fund profitability ratings can be viewed on the following pages:

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

If you decide to invest money in a mutual fund, I advise you to carefully study not only the company itself, but also the market prospects, and also ask for plans, ask questions about the future of the market of managers and make sure that they are confident in their actions and know how they will act in different situations.

Mutual funds are managed by professionals, but even they cannot stop the fall in prices. In this case, you should not rush to sell shares. We need to wait until they rise in price again. In any case, in order to remain profitable, you need to invest in mutual funds for a long term of several years.

In order to earn money and be able to invest in mutual funds, you need to have solid capital. For the most part, investments in successful mutual funds start from half a million rubles.

At the same time, you need to understand that it is safer to invest simultaneously in several different mutual funds. Also, for a successful investment, you need to understand and understand the stock market, shares and the current state of the market, and other economic factors.

Advice!

A good mutual fund is highly reliable, as it is regulated by the state. In good years, profits can be up to 80% per annum. Limited risks depending on the specific conditions of each mutual fund.

Lengthy process of transferring and receiving money. If you do not live in the city where the mutual fund is located, then investments will be extremely inconvenient (signatures, documents, transfers). Good mutual funds may have high minimum investment thresholds.

Investing in luxury goods, real estate and internet business

One hundred percent return is not that uncommon in this free market. But only smart investors with good taste can sense what exactly may have the greatest investment potential.

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

It is worth saying that the main buyers of art are not amateurs and collectors, but financial market players.

Not all investors understand painting or artists, but this does not prevent them from making money from it. Such investors attract special consultants who make an objective assessment of the asset, verify its authenticity, and accompany the purchase and sale process.

With a competent approach, they bring not only aesthetic pleasure but also high profits.

Requires a high understanding of the market. Assets generally do not have high liquidity, unless it is a painting by Monet or Van Gogh.

Internet business

Many young people like to invest money in online businesses. With the advent of the Internet, various ways to invest your capital have appeared. All income on the Internet is based on services, trade and advertising. There are people who invest money in websites for advertising or trading.

Warning!

The payback period for an online business is approximately one to two years. If you invest $60,000 in two projects, then in 2 years you can make a profit of 80-100 thousand dollars.

Many people invest money in creating their own online business or store. At the same time, it is not at all necessary to have your own warehouse. In this business, it is important to find a good supplier and the goods will go to their customers directly from him.

But in order for your store to be better and more famous than other competitors, you need to invest enough money in creating a functional website, advertising, and services. Such projects take years to implement, but the profitability is quite high.

A successful project can quickly pay for itself several times over and continue to generate profits for the rest of the time.

Investments in an online business can only be made if there are good offers, which, unfortunately, are few.

Real Estate Investments

Investments in real estate are quite conservative but profitable, especially during times of crisis and depreciation of assets. It is especially profitable to invest in real estate in large cities, crowded places and resort areas.

Investing in real estate requires a large capital investment, which not everyone has. But you can start small: invest in the early stages of construction. Once completed, the value of the building will increase significantly. Real estate can also be quite small, for example a garage, which will not require huge investments.

Investments in residential real estate. The price of real estate is growing regularly, and this fact is an indicator of high profitability from real estate investments. In the residential sector, it is better to prefer small one-room apartments, which are in high demand among the population.

Investments in commercial real estate. Investments in commercial premises bring stable income. There may be warehouses, offices, shops, beauty salons, etc.

Investments in overseas real estate. Investors buy foreign real estate and then rent it out. This is also not a bad investment method.

When purchasing any kind of real estate, you need to consider many factors:

• Location
• Proximity to bus stops, schools, kindergartens, etc.
• Facilities
• Availability of parking and many other nuances.

Most people associate the words “investment in real estate” with the goal of saving money, not multiplying it, so it is important to initially approach this issue very responsibly, to analyze the selected object not from the consumer’s side, but from the investor’s side.

Pros: Reliability, large selection of offers.

Cons: Not high profits; a minority have free money to invest in real estate.

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Open your own salon and start your business. It won't take more than 5 minutes of your time.

2. Quickly set up your salon using a ready-made template (40 minutes)

Select certain criteria by which the salon will exist in RuNet. Decide on the types of activities that will be carried out in your salon.

3. Include the salon in the catalog (10 minutes)

Include a ready-made salon in the catalog of salons and services, set certain parameters according to which clients will contact you specifically and come to you in a steady stream.

4. Get the first 1000 rubles

Our goal is to receive the first thousand rubles on the first day.

5. Withdraw funds directly to your card (or WebMoney)

Set up withdrawals directly to your card or to electronic wallets.

Feedback from people who have logged into the system before:

Answers to frequently asked questions:

1. I live in Ukraine, Belarus, the Czech Republic, Israel (etc.), can I earn money?

There are absolutely no restrictions on your location. All you need is Internet access, a WebMoney wallet or a bank card number.

2. Do you need investments at the start?

You will not need any investment at the start. If you decide to invest your own money in business development, you will only invest a portion of the money you have already earned.

3. Are there any age restrictions?

There are absolutely no restrictions. All you need at the start is to know Russian and be able to repeat certain actions after another person. I have schoolchildren and retirees on my team, they are all happy!

4. What are the guarantees?

It is very important for us that you start earning money and we guarantee you support throughout the start through our ticket board or Skype. Otherwise, if for some reason you were unable to earn money, we guarantee you a refund of all your funds within 30 days from the date of placing your order.

Free bonuses included:

In honor of the upcoming holiday events of the publishing house through which I am publishing this course, they gave me the rights to “Give” you absolutely free of charge their new products with a total value of more than 7,000 rubles.

1. Earning money from recycled materials

This excellent course will teach you how to earn from 50,000 rubles on recycled materials on the Internet.

2. Automated bots

This course will teach you how to automate sales of any product and earn from 40,000 rubles a month completely automatically. You will get the result instantly!

Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂

There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀

In this 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 to invest your 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 , concrete examples And useful tips , which 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 as useful as possible for you!

In addition, you will learn:

• What investment options are there, what are their returns and which one should you choose?
• Where can you profitably invest 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 let's get started! The article turned out to be a little 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 only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.

No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).

You should always remember this, because investments can bring both profit and loss!

Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.

Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.

But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉

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.

Third to reduce risks, it would be logical 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 it 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:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!

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

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

And if you 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, because at the end of the article you will learn about other important rules of investing!👇

2. Where is the best place to invest money in 2020 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest your money so that it generates income!

I’ll immediately share with you, using my personal example, one rather profitable investment that allows you to receive much more than regular bank interest. 😉

PAMM account "Arslanov Fund" and its profitability

Another PAMM account in which I invested is ““, 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 less risks) as the previous one, nevertheless, for 5 years it brings investors “clean” income every year. near 60-80% . Agree, it’s very good! 😀

Another advantage of PAMM accounts is that the minimum investment amount is practically unlimited; you can start with at least 3,000 rubles.

I’m still just looking at other PAMM accounts, but in my opinion, these two accounts are currently the most reliable for long-term investing. If anything changes, I will immediately update the information in the article.

However, although you can earn quite significant sums in this way, you should not forget about the risks. Still, invest no more than 25-30% from the total amount of your investments (at the same time, also distribute risks among accounts, do not invest everything in just one account, choose at least 2 accounts).

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

Now let’s look separately at each of the options where you can invest your money.

Option #1: Bank deposits/savings accounts

DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 4% to 8%.

Deposit rates have been falling steadily downward in recent years and are likely to continue to fall in the future.

How to make money on stock growth - Google example

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

For these purposes, so-called “individual investment accounts” (IIA) are suitable, which, for example, can simply be opened in the same account (using this link you can invest 1 month without commission). By the way, they have a very convenient investment application 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%), i.e., in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But naturally, there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!

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

In addition, you need to understand that the price of shares depends very much on the actions of speculators, rather than on the real financial position of the company in the market.

Alternatively, 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 invest personally, then there is an option to entrust your money to professional managers. I already mentioned how I invested in managers at Alpari at the beginning of the article! I will definitely tell you more about this direction a little later in this article!

You can easily invest in shares through.

CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.

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

Option No. 4: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who do not have the experience or 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 professionally trade in financial markets.

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

PAMM account “Moriarti”, its profitability for 5 years was 135464% (click to enlarge)

💡 This PAMM account (trader) has over $2.5 million , its profitability over 5 years amounted to over 135 thousand percent.

However, it should be borne in mind that although accounts/portfolios have shown good returns in the past, there is always a possibility that they will be unprofitable in the future.

Therefore, I repeat, do not invest all your money in one trader! Distribute funds among at least 2-3 reliable managers who have been trading profitably for a long time. If the accounts are relatively new (less than 6 months), then divide the initial investment among 5-10 traders.

Constantly monitor the situation and get rid of accounts/portfolios that have been generating losses over a long period. This is the whole secret of investment!

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

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

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

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

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

I would like to tell you a few words about the so-called “structured products”, because they are also directly related to trust management. The income here, as a rule, is not the same as what PAMM accounts can provide, 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 (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 experts expect will rise or fall in the future.

It is usually possible to invest in such products 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 trading turnover on the Moscow Exchange with maximum reliability AAA.

✅BCS offers investments in Gazprom shares with guaranteed returns 10% per annum(even if the price falls) and 100% capital protection. If the price of shares rises, then you can even get 14% per annum .

So there are only 2 options: you get either 10% or 14%. Consider that there are no risks other than the actual bankruptcy of the company. But it is extremely unlikely that the No. 1 company in the entire brokerage market in Russia will go bankrupt, it is similar to Sberbank declaring bankruptcy. Therefore, in this regard, there are practically no risks.

Investments are 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	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 amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option #5: Bonds

DESCRIPTION: Where do you think the big banks invest their money? Mainly in bonds! Yes, they provide 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 instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.

For those who don’t know, a bond, simply put, is an IOU. Only large companies and states can act as borrowers.

☝️ By the way, Sberbank and other banks sell national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .

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

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

At the same time, you can invest large amounts of money 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 would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.

Bonds, just like shares, can be purchased without having to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who seek to receive an average return 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	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 yield 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 confidence in it.

Option #6: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that 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 purchased 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 per 1 dollar, and you sold dollars.

As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).

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

When trading currencies on your own, it is very important to have trading experience And h knowledge of the foreign exchange market . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.

It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise trading will most likely turn into a casino and lead to a sad result known in advance.

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

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

In my opinion, one of the most effective trading strategies on day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!

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

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore riskier. However, with skillful investing you can get high income. 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	from 100 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If you have an effective strategy, you can get high returns.	(+ ) Low entry threshold and accessibility.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you don't manage your risk. 99% of beginners 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 No. 7: Own/partner business

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

Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated or simply invested in someone’s business at the development stage.

Another option is to 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 have opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and desire!😀

I myself started a successful business from scratch several times! By the way, if you look at the statistics, then among millionaires there are about 70-80% - these 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 will never have to work a single day in your life!«

Read about how to find your favorite job/work of life.

If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s small at first. The main thing in this matter is not to be afraid take the first step!

Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?

Here are some more useful tips:

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

I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇

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). This is exactly where I started! 🙂

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

Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.

Moreover, in the case of wholesale and retail sales, the goods do not have 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 directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.

Read more about how to organize in a separate article!

CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	At the initial stage there is a 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 a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business.	(- ) You need to understand business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn.

Option #8: Mutual funds

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

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

Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive 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 provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:

Profitability of mutual funds for 11 months

However, mutual funds do not provide a guaranteed profit, 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 mutual 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 forums. With this 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 money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.

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

Option No. 9: Microfinance organizations (MFOs)

DESCRIPTION: Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum period in MFOs 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 money in bonds or in a bank at interest.

If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.

⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.

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

Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that 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 reliable to invest money in real estate than in microfinance organizations! 😀

And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉

CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years	from 1 million rubles
(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passive income. 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 the event of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious metals

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

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

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

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

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.

The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly in price since 2012 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 for the purpose of preservation.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis the yield is higher)	Minimum	7-20 years	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis.	(- ) Low profitability during periods of economic growth and development. Income tax is 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 #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.

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

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

Others argue that Bitcoin is about to collapse. 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 increase in price.

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 instrument.

For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, 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 themselves, 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 tall)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If cryptocurrencies grow, you can multiply your invested funds in a short period of time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) 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. There is a complete lack of guarantees - if you lose money, no one will return it.

Option No. 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on 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.

The following directions are currently popular:

1. Websites. Information websites are created and filled with unique content.

With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very wide, since the topic of the site determines how much income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.

But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.

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

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

Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, 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 follows your affiliate link and 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, the main investments here go specifically to advertising.

But in this case, experience plays the main role, without it you can’t go anywhere!

4. Online services. You can also invest money 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 a Yandex wallet to a Qiwi wallet, then the easiest way to do this is with the help of exchangers. By the way, you can also purchase bitcoins using exchangers.

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

5. Applications 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 circulating.

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

❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.

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

Here, as elsewhere, the key role is played by the idea - the success or failure of the application depends on it.

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

Such HYIPs offer very high interest rates ( 1-5% per day) 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 several years, but the profitability on them is correspondingly several times/tens of times lower.

In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand 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 of investments.

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 even from scratch, investing only your time and effort.	(- ) There is a risk that the project will not take off and will not pay for itself.	(- ) Knowledge will be required. You need to have a good understanding of the key nuances of online 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 funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is their very, very high returns, they can bring in thousands of percent!

But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.

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

Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .

There are basically several ways to invest money in startup projects:

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

CONCLUSION: Yet venture capital investments are poorly developed in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture 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)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible return.	(+ ) It is not always necessary to invest large amounts of money at the start of a project.	(- ) Very high risks, most starting projects turn out to be unprofitable.	(- ) Fraud is widespread - investment platforms can turn out to be financial pyramids.

Option #14: Art objects

DESCRIPTION: Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.

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

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

Like investing in precious metals, investing in art is not subject to inflation and will only become worth more over time.

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

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

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

Option No. 15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience...).

It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.

I think more than once you have heard stories about how 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 investment is required at all - the main thing is that there is a desire, and everything else will follow!

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

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

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

CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t 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 it into money.	(- ) For many, it is difficult at first 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 proper 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, what I already talked about 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 tool, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.

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

Second— try to invest most of your funds (40-60%) in assets with the lowest risk; the optimal choice between profitability and risk, in my opinion, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.

Believe me, this is an already tried and tested path, on which a huge number of people have lost entire fortunes!

It will allow you to survive unfavorable 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 specific 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 earn money - specific examples

In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!

I will not consider very risky investment options in these examples. Let's 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 it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. As a last resort, 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 investing 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?

This is also a relatively small amount by investment standards. 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 real estate at the construction stage, then you can invest in it.

— Where to invest a million rubles?

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

For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts/portfolios, or invest them in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also advisable 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 seriously rises in price in the next couple of years.
• With the remaining amount you can try to open a business (including on the Internet).

5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud

At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially nowadays, fraud flourishes abundantly 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 nothing.

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, fast payments, very favorable conditions, etc. - all if only people would invest 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 other people's greed!

Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on 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.

Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.

Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.

I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).

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

If you are not yet particularly versed in a particular investment object, then invest time and money (it’s 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 areas for 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 was at least a little valuable for some of you and you have already decided where to invest your money! 😀

Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !

❓❓❓
What do you think is the best place 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 successful and profitable investments! 👍💵👍

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!

Have you thought about your financial future and how you can manage your savings wisely so that your money can work for you? How to become an investor? Where to invest money to receive monthly income and how exactly to do it? Where is it better to invest money profitably with a guarantee? Where is it profitable to invest money to make a profit? Where to invest money in 2020 and specifically in Russia. These questions concern many Russians.

So, you started to think about where it is better to invest money for passive income in order to make a profit, that is, you decided to start investing. This is a wise decision and you need to understand the main thing, we repeat again:

• how to become a craftsman investor in the face of great competition;
• what is the best, most profitable and where to invest money in 2020 to receive monthly income. For this and for everyday needs, you may need BLACK card
• what stocks to invest in in 2020
• and other important issues...

T INKOFF INVESTMENTS + BONUSES ⇐ by registering using the bonus link and purchasing shares for 10,000 rubles. you immediately receive 500 rubles.

It is possible to submit an application for a debit card to receive your earnings on it:

We will try to help you solve these and many other questions using our website and this article. We would like to remind you that no one starts their investing career as an expert, and even the best investors in the world were once in the position where you are now. And some large investors are still not very well versed in such a product as “securities”. Therefore, knowing “where and how to effectively invest money” will be useful for both beginners and those with experience.

Good investing doesn't happen by accident. People work a lot on this and learn how and where to invest money at interest without the risk of losing and with a guarantee of earning money. It is very convenient that today investment operations can be carried out online at home. Right now you can register for good site , where it is convenient to study companies and legally buy their shares. But, before you go there and register, read this article to the end, otherwise you will become a failed investor. And only then study the investment platform mentioned above (blue link ⇑) and how to register on it,

Before studying the answer to the question: where is it profitable to invest money in 2020? It is important to learn 8 conditions that must be met in order to become the best investor in the Russian economy.

Once you start learning, try not to stop. We will briefly explain what is possible and what is not in this article. But you must expand your knowledge further and find other articles and even entire books on this topic.

Where to invest money to receive monthly income - skillfully and with great competition

To understand where to invest money in order to receive a monthly income - skillfully and with great competition, first study your behavior using the points below and your finances. And at the end of the article, follow the link and see where it is better to invest money by buying shares of companies (we will also mention other methods). So, 8 conditions that must be met in order to invest money not to lose it, but to increase it.

1. Impartiality

The best investor does not think: “Where successfully To invest money". "Lucky" means a happy occasion. The best investors rely not on chance or luck, but on knowledge and a plan. Those who rely on chance tend to worry about “lucky or unlucky.” For the best investor, everything is stable, he is confident in success, and for good reason. What is needed for this?

Remember that only a dispassionate person can make rational decisions in the face of great stress. And the possibility of losing or gaining something (especially big money) is necessarily associated with stress.

Our site offers advice that is applicable to the general population. But to determine how applicable these tips are to your needs, your budget, and most importantly, your psychology (can you manage money without stress)? I don’t know this, and neither do the experts. Only you, or if you have your personal financial advisor, can determine whether the advice applies to your situation.

For example, many highly profitable work with TINKOFF INVESTMENTS + BONUSES ⇐ by registering using the bonus link and purchasing shares for 10,000 rubles. you immediately receive 500 rubles. Find out more about this by following the above link to the article about the investment platform. ⇑(opening an account on the exchange 0 ₽).

8. From what means to invest money in order to receive income.

Never use for investment or to invest money in shares what is necessary for your living and your family’s living. Eliminate all risks. And if there are no reserves, but you understand that investing for the future is very important for you, then earn money specifically for this, without compromising primary expenses (family needs).

If you save every month specifically for investments, you can save up for good investments. Use credit cards only as an additional tool, but not the main one. In the meantime, study stable companies on the investment platform, which we wrote about at the beginning of the article, see.

Good luck with your financial decisions.

Alexander Ivanov

Hi all! Today we will look at the main investment methods available to Russians and talk about where to invest money in 2020.

Sooner or later, everyone whose income becomes greater than their expenses comes to this question. Drawing up a competent personal financial plan helps to do this much faster.

In fact, there are many working options. The only question is what is right for you.

Each method pursues two goals - preserving and increasing capital, although the first, of course, is more important.

Where can you invest based on this? So...

For those who are just accumulating funds for profitable investments or real estate, the best investment option is a deposit into a bank account.

A bank deposit has three indicators that make it the most convenient option:

• In fact, you can withdraw funds from a bank deposit at any time without restrictions. This is convenient, especially when a suitable option arises to invest funds for other purposes.
• Reliability. Every investor can be sure that his savings will be returned, because... they are insured. Of course, we do not consider banks that are not part of the insurance system.
• Profitability. You receive an insignificant, but still an increase on your deposit. There is a high probability that such income will even cover inflation, but not significantly. This is not so much, but the funds will definitely be saved.

When considering the option of opening a deposit with a bank, it is important to remember: this will allow, first of all, to save, and not earn, funds in the medium or short term.

That is, you should not look for a bank with the highest interest rates and favorable conditions. It is better to pay attention not to the amount of interest, but to the level of reliability of the financial institution.

It makes sense to give preference to a bank that is recognized by the state as systemically important and use the deposit to accumulate funds for further investment in other instruments.

Real estate investing

The total amount of financial resources invested by individuals in real estate is much greater than in all other options combined. This situation is typical for the Russian Federation and the world as a whole.

Neither in the long term nor in the near future, most likely, nothing will change in these statistics. For most people, buying real estate is the only long-term option for preserving their savings.

Like all other types of assets, real estate can be volatile in value.

However, according to average indicators, the price increase in this segment covers inflation, so it can easily serve as an additional source of income. For example, subject to the property being leased.

One of the most important features of this type of investment is that real estate retains value based on geographic location. In a particular area, its price is adjusted based on current economic realities.

By real estate, it is customary, first of all, to understand residential-type objects. And, nevertheless, the main part of the conclusions also applies to commercial, or non-residential, real estate.

The main conditions under which objects save and even increase funds are:

• maintaining a deficit scale of construction of new facilities;
• constant positive increase in population in the region, the city in particular;

In cities where there is a constant negative dynamics in the growth of citizens, where citizens are actively leaving (it is dying out), real estate cannot increase in price, and are increasingly showing a declining trend.

In developing and growing cities, the situation is the opposite. The younger generation and migrants, with their demand, are constantly pushing the price higher and higher.

In such conditions, only excessive construction of objects can restrain the rise in prices for real estate, which is virtually unrealistic. After all, this is unprofitable for the developers themselves, as this will lead to a decrease in their income.

And the scale of available space is always limited, which creates a shortage of space in certain urban areas that are most suitable for development.

In such places there is often no place to build, so the increasing demand can be balanced by rising prices for real estate in previously built objects.

Among other things, we must not forget about the corruption factor, which often reduces the overall ability of developers to enter areas that are new to them. This fact also negatively affects the scale of real estate for rent, leads to a shortage of real estate for sale and, accordingly, to an increase in its price.

All Russians who experienced the crisis at the end of the last and beginning of this century have drawn their own conclusions. They no longer need to explain why real estate is the best option for long-term capital storage.

In addition, over the past 30 years, real estate has remained the only type of asset that was available to the vast majority of the country's citizens.

Of course, investing in real estate also has its downsides. We are talking about a high minimum price for each individual object - it is difficult to purchase an apartment from your salary.

And, nevertheless, such a problem has its own solutions.

The main solution is a mortgage. It helps to fix the current price of housing for the buyer.

At the same time, mortgage interest, which seems to many to be sky-high, in fact always turns out to be lower than the long-term increase in the price of the property itself. Therefore, an apartment purchased for investment purposes is not only possible, but also necessary to rent out.

At first, of course, the rent will not be able to cover even the mortgage payments, but after 5-7 years there is a possibility that the rent will begin to cover the payments in full.

An alternative option is investing in liquid real estate with a low average price.

For example, we are talking about permanent garages, parking spaces, small plots of land, etc. After all, they can be rented out, they require minimal investment after purchase, but the demand for them is always high.

Another good option for purchasing is a one-room apartment with a small area in not the most expensive urban areas. Such objects are also characterized by a low average price, but they are actually easy to sell and rent out.

Another alternative to a mortgage is pooling. This option is not very common.

However, if you have friends whom you trust well, who you can rely on, and who, at the same time, are trying to find a reliable and long-term investment option, then you can buy real estate together with them.

This option has a whole list of advantages.

If all or most of the collaborators approach the issue wisely, then you can save a lot of money on home renovations before renting out, thanks to the use of shared labor.

This will also help you buy more properties at once, which means diversifying your investments across areas and property types.

And on all issues it will be possible to support and insure each other.

Of course, in this option there are some legal issues that must be taken into account in advance. Therefore, it is so important to initially understand how much you can trust each other.

For those who are conservative in their approaches and are not ready for something new, investing in real estate is the best option in the long term.

Investing money in your business

Investing in your business is, of course, a certain risk. And yet, the risk is often quite justified. He borders on the desire to do everything to achieve success.

Everything is in your hands here. Control of business processes and various risks associated with them is the main task of every entrepreneur.

Whether you are a simple hairdresser renting space in a salon, or the owner of a large-scale business project...

Basic properties of a personal business:

• Business creates value;
• A business keeps its finances in constant motion by creating cash flow.

The main part of business ideas is based on the fact that investments will be able to pay off after 1-2-3 years. But, in addition to immediate self-sufficiency, it is important to remember that the working business itself has value and can also be sold.

A personal business is not just about generating cash flow, but also about increasing the overall value of the business. The larger the project, the correspondingly higher its cost.

Everyone who has their own business is simply obliged to continue investing in its promotion and development. After all, the potential profitability of a working business is always higher than with any other investment options.

Of course, this is relevant provided that it can be scaled.

It also makes sense to invest in your own business if you have a sufficient amount of free time, energy and the desire to create something unique and inimitable.

This option is optimal for those who are ready to work and develop in a chosen direction that is familiar to them or close in spirit.

By and large, starting a business requires not only and not so much investment, but exceptional courage and comprehensive readiness to take the first step and move, no matter what.

Of course, there are risks here too, however, the effectiveness and results of investing in your business will depend solely on the entrepreneur himself, and not on a third-party guy.

When discussing the choice of type of activity, it is first necessary to pay attention to areas that have long been well developed, bypassing what is little known and poorly developed.

There is no point in “getting involved” in an area where there is no healthy competition, because this may indicate that the activity is not in demand. The importance of demand has not been denied.

You need to focus on in-demand, popular and potentially profitable areas.

The idea that core business areas are oversaturated is wrong. The Russian Federation is a place where essentially little is produced, and the service sector is still in its infancy, compared to some developed countries.

Any goods and services will definitely find their clients and buyers if you put in some effort.

Investing in exchange-traded financial instruments

Investments in bonds

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Unlike deposits, which allow, first of all, to save funds and not to increase them, bonds perform other functions.

For large corporations, pension and reserve funds around the world, this is a tool for long-term storage of capital with strict restrictions in terms of risks.

Active users of bonds are often wealthy people who have inherited wealth. The heirs of huge amounts of money are aware that they themselves cannot earn so much.

Therefore, they set themselves only one task - to preserve the inherited funds. And in this they are helped by bonds that can provide stable and regular profits.

Investing in shares

Investing through foreign brokers

It is obvious that the stock market is not limited only to the Russian Federation. The world is simply huge, and capitalism is legally enshrined in many countries and assumes that everyone has the right to dispose of personal funds at their own discretion.

We are also talking about the actual possibility of investing in shares of enterprises around the globe.

Previously, this seemed like something far away, but now it is part of real life. Every citizen of our country can invest savings in shares of foreign companies without much effort.

At the same time, deposits in foreign enterprises are possible both through Russian and foreign brokers.

The latter option provides citizens with a much larger selection of shares that can be purchased. After all, this opens dozens of exchanges in American, European and Asian markets and thousands of companies.

You just need to decide on the choice of a broker who will help you perform certain purchase/sale operations on foreign exchanges.

It is important here that the broker who will be selected for cooperation meets certain requirements:

• the ability to open an account remotely;
• minimum commission for transactions;
• the maximum number of company shares that can be purchased;
• reliability of the jurisdiction with deposit insurance from the regulator.

The demand for this type of investment in Russia is growing all the time, because everyone wants to have a larger selection of instruments, diversify risks by purchasing foreign shares in foreign currency and, ultimately, earn money.

In recent years, the country’s market has not been able to fully provide this, so we are actively looking for access to foreign stock markets through foreign brokers.

Disadvantages of investing through foreign brokers

• Lack of support in Russian.

Opening an account with a foreign broker requires the investor to have good command of the English language. Otherwise, working with foreign brokers will be difficult.

• Mandatory payment of taxes.

In case of depositing funds through a Russian broker, all work with taxes is assigned to him as a tax agent. The broker calculates and pays the bills himself.

If you choose a foreign broker, the investor decides and pays all tax issues independently.

Investments in financial instruments with intermediaries

Investing in specific bonds or stocks on your own requires some financial knowledge. Which bonds should I buy? Which stocks to choose?

Coupon profitability, primary and secondary placements, credit ratings and dividends, default... The world of finance is not simple enough; studying it is like receiving additional education.

And yet, for most people, due to their main activities, it is not possible to find time for this.

But there is a solution: there are specialized firms whose key work is related to collecting investor funds for the purpose of further investing them in various instruments.

Investing with the help of Management Companies

Management companies offer the opportunity to analyze and invest funds for you.

There is a whole list of similar companies that can be ranked by the amount of money attracted to their funds. The main part are companies that are part of large-scale financial holdings, although there are exceptions:

• Sberbank Asset Management
• Alfa Capital
• VTB Capital Asset Management
• Raiffeisen Capital
• Pension savings
• Gazprombank - Asset Management
• Uralsib1
• RSHB Asset Management
• System Capital
• Aton Management and others.

Each such company offers two different mechanisms for transferring money to management to choose from:

1. By purchasing shares of one of your own (mutual investment funds).
2. By transferring money for one or another investment strategy.

Contribution to mutual funds

UIF (Unit Investment Fund) is a fund created by the manager of an enterprise for the subsequent investment of the fund's funds in order to generate income and distribute it among all shareholders.

Fund capital is formed through the sale of shares to investors. The fund's losses and profits are reflected in changes in the price of the share itself.

The main feature of mutual funds for mass investors is their low entry threshold. For deposits in interval and open mutual funds, only a few thousand rubles are required.

Other investment options with the help of management companies require larger amounts.

Another important feature of mutual funds is strict control of their work by government agencies. This allows us to talk about additional control over the work of the fund, incl. on the legality of all transactions with shareholders’ finances.

Mutual funds became popular in the mid-2000s during a time of rapid growth in the stock market of our country.

Mutual funds themselves were constantly being formed for an actively growing market, and the 2008 crisis demonstrated their shortcomings in all their glory.

The need to strictly follow a certain asset structure does not allow mutual funds to go into currency or ruble cash during crises, while recording serious losses.

The costs of maintaining the fund are constant and quite large. This, in the long and medium term, leads to a serious decline in their overall financial results.

After the financial crisis in 2008, all equity mutual funds, mixed mutual funds and most bond mutual funds suffered serious losses, demonstrating vulnerability to market crises. Their demand has dropped significantly.

Commissions for deposits in mutual funds are formed by fixed costs as a percentage of the total amount of funds in the fund for:

• Depository remuneration.
• Remuneration of the management company.
• Other costs.

In total, depending on the fund, about 1-5 percent of all assets for 12 months are spent on expenses. All this is taken into account in the total cost of the mutual investment fund, and investors themselves usually simply do not notice them.

Additional commissions are also provided for investors when selling mutual funds if the total investment period is less than that specified in the agreement.

The shorter the total investment period, the higher the commission. In case of a deposit for a period of more than two years, commission for the sale of the Fund may not be charged.

Investing in trust management

Unlike mutual funds, trust management imposes much fewer restrictions on the management company.

In theory, a flexible management approach allows enterprise managers to take full advantage of market opportunities in order to make a profit.

But on the other hand, it is difficult to calculate the real results of their activities, because this information is not disclosed by companies.

Everything about the results of the Funds’ work is thoroughly and clearly known, because data on the profitability of mutual funds is open and accessible information to everyone.

And, unfortunately, it is difficult to find reliable information about the results of work for a certain period of the management company.

Therefore, trust management has become more popular than mutual funds. After all, if before investing in a Mutual Investment Fund you can look at its profitability dynamics, the desire to invest in it may disappear.

And in the situation with trust management companies, we are talking only about target and expected levels of income. The actual profit for previous periods will most likely not be disclosed.

The bulk of investment strategies from management firms are divided into several categories:

Offers for “regular” investors

• Bond portfolio
• Stock portfolio
• Investments in rubles
• Mixed portfolio of stocks and bonds

Offers for “qualified” investors

• Investments in foreign currency
• Investments in Russian Eurobonds
• Investments in rubles
• Active management of a portfolio of shares of Russian enterprises
• Investments in foreign currency
• Portfolio of Eurobonds of Russian enterprises
• Portfolio of sovereign bonds from governments with developed and developing economies
• Portfolio of corporate bonds of foreign enterprises
• Portfolio of shares of foreign enterprises
• Mixed portfolio of stocks, sovereign bonds, corporate bonds

A qualified investor is a legal entity or individual who meets certain requirements of current Russian legislation.

To obtain status, an individual must meet one of the criteria:

1. Having certain trading experience on the stock exchange with a total turnover of at least 6,000,000 rubles. over the past 12 months.
2. An individual has 6,000,000 rubles. in securities, on deposits or in trust.
3. Having the necessary education.

Serious opportunities for investing in foreign currency are opening up for qualified investors, because investment options are supplemented by foreign securities: bonds and shares of foreign enterprises, sovereign bonds of countries with developing or developed economies.

By and large, there is no particular difference between investing through mutual funds or trust management. And yet, the latter’s investment plans look more “presentable” from the outside, and a larger minimum deposit amount in trust management seems to be a “guarantee” of greater reliability.

But this, of course, is not entirely true. The average level of profit of an investment trust management plan and a mutual fund are comparable, because funds are invested, as a rule, in the same securities.

The remuneration to the management company reaches, as in the situation with mutual funds, about 1-5 percent per annum of the total amount of managed assets.