How to create passive income for yourself. Types of income. Income from the deposit

Hello dear readers! With you again and today we will analyze the main topic for everyone who has firmly decided to break out of the trap of financial dependence on the employer and finally start creating their own small factory for the production of money. So, the topic of this article is passive income. By the way, if you are still puzzling over how to get an active income for a start, then I recommend reading the article:.
You've probably heard this Rothschild quote:

Who owns the information, owns the world!

With regard to our topic, it can be paraphrased:

Whoever owns the information on how to make passive income owns the money!

And here is a somewhat paradoxical situation. There is more than enough information about this on the net, but what quality is it?
I was surprised to find out for myself that the simplest passive income without investments is social benefits and, in particular, a pension. Imagine, we are puzzled here with you how to create a source of constant profit, but it turns out that everything is so easy - just getting old is enough! But this is not the only misconception that can form in the head of an unprepared reader.

Therefore, in my material, I will not only list the most common ways to generate income, but also give real numbers and facts about whether it is possible to earn money on them and how much. Along the way, you will have to expose a couple of myths about the most popular methods: you will find out why bank deposits and real estate not only do not earn, but also lose money. Surprised? Further it will be more interesting.

So, let's move on to the practical part of our opus. The first, most popular and simple passive income is opening a bank deposit.
There are more than 650 credit institutions operating in Russia, and almost all of them attract deposits from the population. In general, the range of deposits they have is approximately the same. You can open deposits in rubles, euros, dollars, pounds sterling, less often in Swiss francs and even yuan. There are deposits with the possibility of replenishment and with a monthly transfer of interest to a separate current account. That is, in principle, you can put money in the bank and live on interest, although I do not advise you to do this and I will explain why further.
The average rates of large banks are 7-8% per annum. Players with a lower rank have a slightly higher profitability - 9-10%. But the real rate always depends on the size of the deposit and the term. That is, the larger the amount and the longer the term, the higher the rate.
Profitability, frankly speaking, is modest. At least in my opinion. I think so: why give money to the bank at 8% per year, if you can learn how to work with binary options and reach a yield of 80-100% per month. In general terms, I described this way of earning in the article:. Here is an example of a successful transaction:

Benefits of a bank deposit!

Even a child can receive such passive income in Russia. Of course, a child will not be able to open a deposit personally, but the procedure itself is extremely simple and does not require any special knowledge, therefore deposits are suitable for everyone. This explains their popularity among the general population.
Nothing to do. You just come to the bank once, conclude an agreement, give the money to the cashier, and after a couple of years you take it back along with interest.
Reliability. Firstly, your passive income is guaranteed, and you will receive a strictly defined profit specified in the contract. Secondly, it is believed that it is almost impossible to lose money on a deposit, that is, the risks are very low. This is both true and somewhat misleading. Next, I will explain what problems the saver may face in the coming years.

How much can you earn?

The answer is not at all. Surprised? Yes, almost all the materials that analyze examples of passive income tell you how easy it is to receive an income of 100,000 rubles a year through bank deposits with 1,000,000 rubles. But this is a superficial view of the situation.
To understand why the deposit is not able to bring significant income, you need to understand a few terms:
Money. It is a measure of the value of goods and a means of payment.
The purchasing power of money is the amount of goods and services that you can purchase with a given amount of money.
Inflation. This term refers to the general increase in the prices of goods and services.
Devaluation. This is the name of the depreciation of the currency, in our case, the ruble.
By themselves, money, that is, banknotes, is of no value to you and me. They matter only insofar as we can buy something with them. Right?
Now look. In 2015, according to Rosstat, the official inflation rate was 12.9%. Since those other storytellers work in Rosstat, we make an adjustment for reality and get the actual grassroots inflation at a minimum of 20-25%. Decreasing at this rate purchasing power your money. That is, a year ago you could buy 100% of some goods and services for the amount you have, and today you can buy 20% less.

Mindfulness test: what is the average deposit rate? By the way, I mentioned it above. V largest banks country, it is only 7-8% per annum. So, if you opened a deposit at the beginning of 2015 in the amount of 1,000,000 rubles, by the end of the year you would have been paid 1,080,000 rubles. And the purchasing power of money over the same period decreased only according to official data by 12.9%. Thus, the purchasing power of your million fell by 129,000 rubles, and the bank's interest amounted to only 80,000 rubles. Net loss - 49,000 rubles.
Yes, nominally the amount has increased by 80,000 rubles, but at the end of 2015 you can buy as many goods and services with this money as you would have bought at the beginning of the same year for 951,000 rubles. So what's the use of the fact that there are more banknotes (cut paper with watermarks) if you can buy less on them?
Of course, such calculations are somewhat arbitrary, but I do not strive for mathematical and economic accuracy. I just want to show you that if the annual deposit rate does not cover inflation, real income such a deposit does not bring at all. Moreover, you actually lose money. Plus, if you open a deposit immediately for five years and withdraw interest every month, the purchasing power of the initial amount will be significantly reduced, and the monthly passive income will turn from modest to miserable relative to real prices for goods.
Another problem is devaluation. Depreciation in our case of the ruble against the dual-currency basket, that is, against the US dollar and the euro. For the period 2014 - early 2015. The ruble depreciated against the dollar by about half. This means that if earlier with your million you could buy 100% imported goods, now their number has decreased by about 50% in just two years. And the deposit rate is still 8% per annum.
If the figures given by me seem implausible to someone, look at the dynamics of prices for imported electronics. For more than two years since 2014, everything has risen in price just about twice, and in some places even more.

Why and how to open deposits so as not to lose money?

Despite all of the above, deposits can still be used. Firstly, this instrument is suitable for temporary placement of free money. For example, you are saving money to start a business. If you save money under the pillow, they will depreciate faster than on a deposit, since the deposit rate at least partially compensates for inflation. Secondly, you need to have some money on hand in case of unexpected expenses. For example, they will offer you to buy a small stake in a new promising company, and all your money has already been invested in other assets. What to do? This is where your deposit comes in handy. Moreover, currency deposits, unlike ruble ones, are still able to bring passive income.
And now practical advice on the choice of conditions for placing funds in the bank.

Tip number 1. Only systemically important banks. These are the largest credit institutions in the country. Their deposit rates are lower than those of small banks, but the Central Bank will definitely not take away their license. In addition, if such an institution begins to "fall", it will certainly be supported at the expense of some National Wealth Fund or other state moneybox. I will not disclose the specific names of banks - I am not engaged in advertising. But you yourself can see the ratings of credit organizations.

Tip number 2. Choice of deposit currency. The ruble is extremely unstable and will steadily roll down in the coming years. Like it or not, this is a fact. What is the conclusion? It is necessary to open a deposit in dollars or euros. Indeed, this sharply increases the profitability of the deposit in ruble terms, allows you to completely cover inflation and even get a small profit at the level of about 3-3.5% per annum.
But this is not ideal either. Why? There is a risk that the authorities will decide to forcibly convert all foreign currency deposits into ruble deposits at a fixed rate. You understand that this course will not be in your favor. There is only one way out - a multi-currency deposit. According to the terms of opening such a deposit, if you smell fried, you can convert the currency in one click directly in the Internet bank. Pay attention to the size of the conversion fee.

Tip number 3. Option early closure deposit. All deposits are term deposits. The longer the term, the higher the yield. Therefore, it is much more profitable to open a deposit for 5 years than for 6 months. But there is also a downside here. If you urgently need money, if you withdraw early, all accrued interest will burn out. Therefore, you need to choose a deposit with preferential early closure. Some deposits provide for fixing income after a certain period. For example, once a year, the accumulated interest is fixed and if the deposit is closed ahead of schedule, they will not burn out.
Another reason why it is better to choose deposits with this option is the possibility of privatizing part of Money. Something similar happened in 2013 in Cyprus. There, depositors were forcibly made shareholders of banks and seized from them 6.75% - 9.9% of the amount of deposits. So the Russian depositors of Laiki Bank lost about $10 billion. The possibility of applying such measures is already being discussed in Russia. So, if there is a risk of the collapse of the Russian banking system, you need to urgently withdraw money before you become a forced shareholder of a bankrupt bank. This is where the option of preferential early closing of the deposit comes in handy.

Tip #4 Proof of source of income. In connection with the intensified fight against money laundering, banks will have the opportunity not to give depositors their money if they cannot explain the origin of the funds and prove documented that they have paid everything from this amount due taxes. So, prepare documents in advance.

Method number 2. Apartments. Gold. Diamonds. How to create passive income on valuable property?

The next most popular passive income with investments after a bank deposit is real estate. But in fact, any property that tends to rise in price over time can act as an asset. This may include:
Antiques.
Art objects.
Precious metals and stones.
Collectibles from coins and stamps to vinyl records and comics.
Of course, in order to create a portfolio of antiques or paintings, you need to deeply understand this. Personally, I can not boast of such knowledge. But if there are connoisseurs or at least amateurs among my readers, then you can try. The main principle is simple: invest in something that, in your opinion, will rise in price in a few years. Moreover, the profitability can be simply fantastic. So, in 2014, a certain Darren Adams sold the first issue of Action Comics on eBay for $3.2 million. And, by the way, it originally cost 99 cents, however, it was already in 1938.
I will not stir up topics unfamiliar to me, so as not to mislead you, and I will tell you about those types of property suitable for building passive income, which I know firsthand.

How much can you earn in real estate?

If we talk about Russian real estate, then the answer is the same as with bank deposits - not at all. Extracting passive income in Russia from Moscow and St. Petersburg real estate made sense a few years ago. But now the situation is fundamentally different. In order not to be unfounded, I will explain in detail what real estate buyers and landlords usually earn on.

On housing transactions, you can receive residual income three times:
At the construction stage, an apartment costs 15-30% cheaper than by the time the house was put into operation. That is, for 1-2 years, while the construction is going on, you can increase your investments by a third without doing anything. The only catch is long-term construction. Therefore, you need to choose only objects of large developers and developers who have access to borrowed capital.
rental income. Actually, this is the rental of housing. Excluding expenses, the average annual return is approximately 4-6%. Note that this is even less than the interest rates on deposits.
Object appreciation. If in the case of deposits, inflation "ate" our money, then here it plays into our hands - real estate becomes more expensive along with all other goods by about 10-12% per year. But even in this case, not everything is so simple, as I will discuss later.

So how much can you earn? If you successfully buy an apartment in a house under construction at the stage of excavation, in 1.5-2 years you will receive an increase of 7-15% per annum. A little, but not bad. Further, every year the object, subject to the growth of the real estate market as a whole, will increase in value up to 12% per year. Passive income from renting out an apartment is about 5% per year. Thus, in 5 years, ideally, you can recapture an average of 70% of the money invested. That is, the total yield is obtained at the level of about 14% per annum.
This is barely enough to cover inflation. But in fact, you will not receive such income. Why?

There are several reasons:
New buildings no longer bring such high profitability for the period of building a house, and the risks of running into a long-term construction are constantly growing.
When renting out a home, there are a lot of side costs, including the cost of finding tenants, buying and periodically updating furniture, major and cosmetic repairs, taxes, and finally. In addition, do not forget to take into account periods of downtime when the tenant is not yet, and the fee for public Utilities keeps dripping. As a result, the real rental yield barely reaches 3% per year.
Real estate markets around the world tend to so-called bubbles. While these same bubbles were forming, Moscow new buildings were steadily adding in price by 10-12% per year. But in 2015, the holiday ended - the balloon began to deflate, and at a rate of 14.5% per year in rubles and as much as 33.6% in dollars.

Thus, in 2015, the owners of Russian real estate received a negative return. Rental income is penny, and the assets themselves have fallen in price by a third in dollar terms. As you can see, real estate is even less profitable than opening a bank deposit.
Does all this mean that you can’t make money on real estate at all? Not really. You can create a good passive income business for housing in the EU, USA, Canada, as well as in popular resort regions.
In Europe, the average profit of a rentier is 3-5% per year from one object. The figures seem to be the same as in the case of Russian apartments, but in euros. This means that the profitability of European real estate will completely cover not only the official, but also the real ruble inflation and even bring quite a tangible income. In addition, investing in housing allows you to protect your investments from the consequences of the devaluation of the ruble.

How to make passive income in real estate correctly?

If you do decide to invest in a home someday, here are a few tips:
in the coming years, buy housing only abroad;

Why do I advise using gold as a source of passive income?

Gold does not have a fixed price or any fixed rate of return. Therefore, in some periods, one can observe a decline in prices for the yellow metal. However, if we take the long-term dynamics, then gold has been steadily growing in price since 1938, when its rate was sent to free float.
Now about the size of the yield. In the period from 04/01/2015 to 04/01/2016, that is, exactly in a year, gold at the rate of the Central Bank of the Russian Federation increased from 2,185 rubles to 2,691 rubles per 1 gram. The annual yield was 23%. As you can see, this figure completely covers the official inflation and gives a good profit. Of course, in dollars or euros, the numbers are not so impressive, but you can also get a decent passive income there.


If we consider the long-term perspective, then for 7 years from 04/01/2009 to 04/01/2016 a gram of gold at the rate of the same Central Bank of the Russian Federation has risen in price from 1,001 rubles to 2,691 rubles. The cumulative price increase for the entire period is 169%! Thus, the average annual passive income is 24%. And note that this is taking into account local declines in the gold rate.
In my opinion, this is one of best tools for conservative investments. Buying gold, as well as opening a bank deposit, does not require special knowledge, while these instruments are incomparable in terms of profitability, and the risks of investing in precious metal, it seems to me, are much lower than those of Russian bank deposits.
The only problem with gold is that it is desirable to invest in it for a long time. That is, they bought an ingot or coins and forgot them in a safe or a bank cell for 5-10 years. In fact, it is a strategic investment. If you want to establish passive income right now and monthly, then precious metals are not suitable for this. Then it's better to try binary options: . Moreover, this tool allows you to earn on gold, including only through short-term speculative transactions.
Either way, gold is definitely worth using to diversify your asset portfolio. This will significantly reduce the risks for assets with higher returns, but, accordingly, with increased risks.
Let's move on to the practical side of the question: how to get passive income with investments in gold? There are two options: buy coins or bars or open an unallocated metal account.
In the first case, directly upon the purchase of coins or ingots, the price will include VAT at a rate of 18%. That is, at first it can be considered a net loss. However, as I noted above, gold is suitable mainly for long-term investments. So, if we distribute these 18% over 10 years, we get 1.8% per year. With an average yield of 24% per annum, these are quite acceptable losses. Plus, when selling, if you follow all the rules, you will have to pay personal income tax - 13%. This is another 1.3% per year. Total total passive income after taxes when investing in gold for 10 years will be 209%. I think it's not bad even with an annual inflation of 13%, you end up with a 79% gain.
Now let's say a word about an impersonal metal account. You can open it in most banks. The account will take into account your gold in grams. In theory, you can pick it up in kind at any time or sell it to a bank and immediately get cash. True, in reality, banks are not very willing to issue gold to the client and often delay the execution of this legal requirement of the account holder. Again, the question arises of trust in the banking system in general and a particular credit institution in particular. By the way, the deposit insurance program does not cover CHI.
And one could say that buying gold in kind is definitely better. Agree, it's nice to hold your own gold bar in your hands. However, there are three "buts" at once. Firstly, when opening a CHI, you do not have to pay VAT. Secondly, you can open a fixed-term account, which involves the accrual of interest. That is, passive income will turn out to be a little more, although the interest rates on CHI are more than modest - an average of 1% per year. A trifle, but still nice. Thirdly, there is the issue of security. Bars or coins must be stored somewhere. Can be rented safe deposit box, but these are additional costs and again a meeting with the bank. So it remains to bury your treasure on some island.
By the way, strategic investments in gold also have an alternative - speculation on fluctuations in the precious metal's rates. Forex brokers provide this opportunity, but there is one catch: to trade gold, you need a fairly large capital, and errors in forecasting changes in quotes can lead to a drain on the deposit in a matter of minutes. Therefore, I would advise you to choose binary options. They also allow you to work with gold, but the size of the entrance ticket and the risks are much lower there, although the potential passive income remains at the same level. You can find out what binary options are from this article:.

Method number 3. Creating an intellectual product!

Alas, it is almost impossible to create a residual income without at least a minimum investment. Actually, there is only one way: to create something of value. The choice seems to be limited, but in fact it is extremely wide. You can make money from writing, inventions, photography, blogging. Especially successful developers of mobile applications earn good money these days.
Of course, there is no single recipe for monetization for all of these undertakings, but in many cases you can find at least an approximate strategy for creating and promoting a product in demand. The web is literally teeming with advice on how to earn passive income online by blogging or building a data site, or how to make a fortune as an iOS app developer. I confess that I am far from a specialist in these matters, and the format of the material does not allow us to consider in detail all the many quite sensible recommendations for creative people who want to create a source of passive income.
Here I will give a few examples of how real people, like you and me, create billions of dollars of capital from scratch and how much they manage to earn:
YouTube blog author Felix Kjellberg's videos are regularly watched by 40 million subscribers. The channel has an annual revenue of $12 million.
Ethan Nicholas, a developer from North Carolina, USA, earned $ 800,000 on a simple iShoot game.
Canadian Danielle Fong has come up with a new way of accumulating and storing energy received from wind turbines and solar panels. Over $30 million has already been invested in her startup by Peter Thiel and Bill Gates.
German photographer Andreas Gursky managed to earn $ 4.3 million from the sale of one of his photographs. Of course, his income is not limited to this.
The fortune of one of the most successful artists of our time, Damien Hirst, is about $1 billion.
Probably, the well-known writer JK Rowling earned $ 1.5 billion on her wizard Harry. This is the total income from the sale of all copies of the book series and the adaptation of bestsellers.
Unfortunately, such methods of passive income do not imply any guarantees of commercial success. So doing photography, painting or writing makes sense mainly for the soul, and turning the results of creativity into millions and even billions of dollars is mostly a matter of chance.
As for the practical side of the issue, do not forget about such trifles as copyright registration. In particular, to obtain a patent for an invention or utility model, you need to apply to the Federal Institute of Industrial Property. And if you've written a book and want to be on the safe side before offering it to publishers, print it dated and mail it to yourself.

Method number 4. How to become Warren Buffett: passive income on securities!

Where can I get money to start my own business? This is the problem faced by 95% of new entrepreneurs! In the article, we have revealed the most relevant ways to obtain start-up capital for an entrepreneur. We also recommend that you carefully study the results of our experiment in exchange earnings:

Warren Buffett is the most successful investor in the world. The fortune of this Oracle from Omaha in 2008 was $ 68 billion. Only a genius can repeat such a success, but history knows thousands of other examples when multi-million dollar fortunes were created on securities. Can you use this method? To answer this question, let's first get a general idea of ​​the main types of securities.
Stock. Companies use this type of securities to attract investment capital. In this case, each shareholder becomes, in fact, a co-owner of the enterprise, although the share of the majority of shareholders, of course, is negligible. Stocks generate income in two ways. First, there are dividends. At the end of each reporting period (usually a year), the company sums up its financial performance and makes a decision on the distribution of profits. The latter goes to shareholders in accordance with the size of their package.
Secondly, you can receive passive income from the rise in the price of shares for the period that has passed from the moment the securities were bought to the moment they were sold. Of course, there is a risk here, and a rather high one, that stock quotes will fall, that is, instead of profit, you will receive losses.
Shares are of two types: ordinary and preferred. The former give votes at the shareholders' meeting, the latter provide their owners with a higher income, since they involve the payment of either a fixed amount or a strictly defined percentage of the profit.
Bonds. These securities are debt obligations. In fact, the issuer (the person issuing securities) borrows money from you for a certain period, after which he undertakes to buy back his bonds from you, usually with a certain fixed income. Bonds can also be perpetual and with periodic coupon (income) payments during the entire period of the debt obligation.
The advantage of this type of securities is that you are guaranteed to receive a certain yield. The risk is limited only by the solvency of the issuer. That is, if the state or the company does not decide to declare itself bankrupt, the money paid will definitely return to you, and at the same time the income established by the issuer. It should be noted that the yield of bonds depends on the degree of risk, but usually it is small.
Now let's discuss derivatives - derivative financial instruments. These are securities for securities or for goods. Unclear? Now let's look at everything in more detail, and you will understand.
Futures. These are contracts for the purchase or sale of certain assets. They indicate the quantity of goods, currency, shares or bonds, delivery time and price. When the contract is due, either the actual delivery of the asset takes place, or cash settlements. That is, you do not have to pick up the goods themselves, you can receive monetary compensation.
The essence of operations with futures is to buy a contract with a lower strike price, and sell it when the market price of the underlying asset, and with it the contract itself, rises significantly. For example, you bought a futures contract for Brent oil with an exercise price of $28 per barrel, and a couple of months later it rose to $35. We sell the contract, fix the profit. By the way, oil futures are one of the most popular instruments for investors.
The advantage of futures is that the value of the contracts is much lower than the value of the underlying assets. This allows you to get by with a smaller amount of initial investment and get more passive income than, say, from direct capital investment in shares. Meanwhile, losses in the event of a change in prices for the underlying asset not in your favor will be higher.
CFD. This is another contract, but this time not for the supply of the underlying asset, but for changing its price. One side is betting on an increase in quotes, the other - on a decrease. On the due date of the contract, one party pays the other the difference between current value the underlying asset and its price at the time of the conclusion of the contract.
For example, when concluding a CFD, the value of the underlying asset (shares, commodities, bonds, etc.) was $100. You have placed a raise bet. Now, if the value of the underlying asset is $110 by the time the contract expires, the other party will have to pay you $10.
The list of existing securities, of course, is much wider, but I have listed the most popular types of assets, and this is quite enough for everyone who is interested in how to receive passive income from investments in securities.

How much will you earn on securities?

Let's start with bonds. Profitability, frankly speaking, is modest. For example, Gazprom's medium-term ruble bonds currently in circulation have an annual yield of only 7.55%. For some bonds of VTB 24 with a face value of 1000 rubles, the income is 9% per annum with payments 4 times a year. A little better, but the problem is the same as with bank deposits - your passive income will not even cover inflation.
Now for the shares. For example, I will take one of the most profitable stocks in the world at the moment - Apple securities. The cost of one share of the company in April 2016 reached $108. Dividends for 2015 were 47 cents per share. You understand, not much, at least if you do not have several million dollars to invest.
In fact, dividends are not large. The main profit comes from the growth of quotations.

So, 6 years ago, that is, at the beginning of 2010, the cost of an "apple" share was only about $28. Thus, during this period, the company's shareholders received a passive income of 285%, not counting dividends. The average annual yield was over 47%. Not weak, right?!
But I emphasize again Apple shares are one of the best examples on the market. Unfortunately, the majority of corporate securities cannot boast of such indicators. In addition, there is always a high risk of a significant drop in quotes, and it is far from always possible to predict it accurately enough.
Profitability on futures and CFDs depends directly on you and your skills in predicting changes in underlying asset prices. So it's pointless to give specific numbers here. I can only say that successful derivatives traders earn very, very impressive capital.

How to buy stocks and bonds?

Some securities can be bought directly from the issuer. In other cases, you will need to contact the services professional participants market - brokers.
All companies set their minimum initial investment. Most brokers won't lift a finger if you show up with less than $50,000, but you can find companies with entry fees as low as $200. True, with such a modest amount you can’t really clear up, and you can’t count on big profits from a long-term investment of a couple of hundred dollars in securities.
Although you can start with this, but I would recommend doing binary options with a small capital. This tool allows you to work with both stocks and bonds, but investments are required many times less than if you bought securities, and the yield is many times higher. In order not to be unfounded, I publish on my transactions.
When choosing a broker, it is very important to check its reliability, the quality of technical support, and most importantly, to inquire about the amount of commissions for transactions, deposits and withdrawals.

Just the truth: can you make money on securities?

For a private investor, the easiest way to invest in securities is to buy and forget for a few years while the income accumulates. This is a strategic investment. The problem is that for a long-term investment in science, you need to look for a "safe haven", and now there is no such place anywhere in the world. So, in the early days of 2016, we could observe the largest collapse of the Dow Jones index since the Great Depression. And, by the way, this index takes into account the stock prices of the 30 largest US companies, such as Coca-Cola, Boeing, General Electric, Intel Corp., Nike, etc. So investors received multibillion-dollar losses as a gift for the New Year.
One might, of course, think that the range of securities is not limited to American companies. But the situation is no better in other countries. In particular, on the same days when the Dow Jones suddenly fell ill, its Chinese friend, the Shanghai Composite index, collapsed even more.
So, there are virtually no “safe havens” for capital in the stock market today. True, you can try to define money in the shares of companies of the "new economy". These include payment systems, search engines, social networks, software developers, device manufacturers.
If you absolutely do not understand anything in all this and are not too eager to constantly follow economic and political news, it is easier to transfer money to trust management. Brokers and management companies offer different investment strategies, diversify the package and adjust it depending on the market situation. Of course, you will have to pay a commission for all this happiness, but it’s easier than delving into all the wilds of strategic analysis yourself. stock market.

Mutual investment funds.

This is an alternative to direct trust management your money in your personal account. This is about collective investment. The fund sells its shares, due to which the total investment capital is formed. This money is invested in assets: stocks, bonds, real estate, etc. The natural goal of the fund is to extract as much profit as possible from these investments. Income is divided between shareholders in accordance with the number of shares.
The main advantage of mutual funds is the ability to invest in expensive assets with a small amount. For example, you have 30,000 rubles. With this money you can buy only 4 shares of Apple. It seems to be not bad, but the risks are extremely high - remember, we talked about diversification. You can go the other way: buy 3 shares worth 10,000 rubles each, choosing a mutual fund with a strategy of investing in companies of the "new economy". There will be our beloved Apple, and Facebook, and Microsoft, and much more. Of course, the presence of less profitable securities in the portfolio will reduce the overall profit. But, at the same time, the risks will also be reduced, and many times over, and we must always strive for a reasonable balance of risks and profitability.

Method: 5. Passive income from your own business!

I think it makes no sense to talk about how much a successful entrepreneur can earn, given that the brightest examples are on everyone's lips: Jobs, Gates, Branson, or personally my idol Elon Musk. The only question is how to turn a business from active income, when you disappear into the office day and night or ride around cities and towns, visiting representative offices of your company, precisely into a passive income business.
In general, there is no big science here. First, you need to clearly articulate the mission, core values ​​and strategy of the company. Secondly, it is necessary to adopt a process approach to the internal organization of the enterprise. That is, all the work of the company should be divided into separate simple processes and written in the form of job descriptions for each employee. Such a system involves the creation of control points, the verification of which is sufficient to track the activities of the company and its results. In this way, you will get the opportunity to manage the company with minimal time costs. She will work like clockwork. All you have to do is correct course.
When the company is already built and brought to cruising speed, there is no need to manage it yourself. You can hire a CEO (Chief Executive Officer) and dump the burden of leadership on him.
Of course, such methods of passive income involve one pressing problem - the question of finding initial capital is acute. I wrote my thoughts on this topic in this article:

How to create a business empire through franchising?

Imagine you have created a company. Successful. Effective. profitable. But want more. To give up the dream of putting the business in passive mode, and at the same time from your dolce vita to profit from a stand-alone company? Roll up your sleeves again and take on the development of the enterprise, expanding its presence in other regions? To do this, you will have to disappear on business trips for months, build up administrative resources, and, by the way, costs will grow along with it. In addition, there will be a problem of attracting money to expand the business. You can use my modest recommendations:. However, for the full-scale development of the company to do without borrowed money is unlikely to succeed.
This path has a much more profitable and simple alternative - franchising. Its essence lies in the fact that you sell your finished business model along with the right to use all technologies, brand, documentation templates to other entrepreneurs. They, in turn, open representative offices of your company in the regions at their own expense.
This solves three problems at once. Firstly, franchise buyers invest in the expansion of the company. Secondly, they also ensure the management of the enterprise's divisions, without the need for strict centralization and constant control from the center. Thirdly, unlike hired managers, the franchisee treats a division of the company as if it were their own business. He is personally interested in achieving maximum efficiency and profitability of the enterprise. As a result, there is no need to inflate the management staff to control the work of regional divisions and puzzle over the methods of stimulating managers.
What do you get? First, the franchise buyer pays a lump-sum fee right away. Secondly, you will receive royalties from the profits of all affiliates - this will be your passive income. The parent company is required to provide accurate step-by-step instruction on opening a company, technology for creating a product and sales, marketing strategy, in a word, everything that you already had to do in the process of creating your enterprise. Additionally, you only need to organize a small department that will promote the franchise, interact with potential buyers, as well as advise them and help them solve problems.
How to create a passive income business through franchising is pretty clear. The question remains - how much will you earn. It is hardly possible to estimate the potential profitability of the network. It all depends on the quality of the business model and development strategy. But as a sample, I will list several well-known brands, the development of which is carried out precisely according to this technology: KFC, Subway, Traveler's, 2GIS, Yves Rocher, Well, Expedition, Sbarro.
Now over specific example in numbers. The lump-sum fee for purchasing a Subway franchise is 600,000 rubles. Monthly payment in favor of the franchisor (royalty) - 8% of revenue plus 1.5% of turnover as an advertising fee. The turnover of one point varies between 5-9.5 million rubles, and the total in the network in Russia is 673. Thus, the total income from the entire network is more than 390 million rubles, excluding advertising fees.

mlm. Can you create passive income with network marketing?

About 20% of American millionaires made their fortune in network marketing. Here is the answer to the question about the possibility of making money on MLM. I think that today it has become even easier to use this model of building a business than 10-15 years ago. This is due to the relative simplicity and availability of tools that allow you to quickly develop a network of partners via the Internet.
Network marketing, in fact, is one of the options for a business development strategy. The same franchise, only simpler and much more affordable for partners. This option is suitable for products whose sale does not require a retail outlet or office.
Yes, for many, such examples of passive income cause some irony. But this is rather due to the somewhat intrusive and even sometimes clumsy nature of the work of distributors. In fact, the model is quite working. You get a product without significant investments, which you can trade without organizing a point of sale, recruiting and other difficulties. You just make each of your regular customers a partner, he continues to buy products himself and sell them to his friends, and you get income for this without the slightest gesture.
MLM has enough advantages:
Minimum initial investment. In most cases, you can get by with $200-300. That is, your risks are limited only to this amount.
No paperwork, and, therefore, no need to spend money on the services of a lawyer, accountant, etc.
No need to master the intricacies of the art of personnel management. In fact, you have a lot of people from whose purchases and sales you receive income. At the same time, they all act independently without additional motivation, as is the case with a franchise.
No hassle with the tax service, numerous inspections of regulatory authorities, economic disputes with contractors, etc.
Create branched layered structure it is possible literally in 2-4 years, and then, at least for several years, it will bring impressive passive income without much effort.
Of course, a lot depends on the choice of brand. For example, I see no reason to join such painfully familiar structures as Avon, Amway or Herbalife. I think it's better to bet on a brand promoted abroad, but new to the Russian market. So you will be more likely to create a large pyramid of partners.

Method number 6. Don't know how to create your own business? Earn on someone else's!

We have considered almost all examples of passive income that I wanted to analyze in this material. The last thing left is investing in someone else's business. It would probably be more correct to call this investment in venture, that is, high-risk enterprises, since we have already touched on investing in shares and bonds of developed stable companies above.
The point here is to find a promising startup, help it with money in exchange for shares and either regularly receive some share of the company's profits, or wait until its securities grow many times in price and sell them. There are many examples of successful capital investment in venture capital companies. Of course, the most famous are large investors. For example, Jim Goetz turned $60 million into $3 billion by investing in WatsApp. Douglas Lyon made a fortune of $ 2.2 billion on Google, YouTube, WatsApp. Approximately the same earned Peter Thiel on PayPal and Facebook.
All these respected people, as you understand, “graze” in Silicon Valley, where you go with your $ 1000, they will kick you out like a beggar. However, this does not mean that you cannot, having a small amount, join the ranks of venture investors.

How to become a venture investor?

Take on the role of a business angel. In my opinion, for a non-professional investor with little capital, it is better to choose other ways of passive income, since this option is the least profitable and at the same time extremely risky. The bottom line is that you find start-up entrepreneurs among your friends or just online and provide them with funding. The chances of success are extremely small, unless you yourself are an experienced businessman and are not ready to take part in the project.
crowdfunding platforms. Angellist and StartTrack and other platforms allow you to invest relatively not a large amount in several startups at once, and transactions are carried out through a special online service. An additional advantage lies in the possibility, when choosing projects, to focus on the decisions of other investors, including professional ones.
syndicated deals. These are joint operations of groups of investors that exist on the same crowdfunding platforms or with investment funds. This approach allows you to invest together with professional players and get access to better and more promising projects. The disadvantage of syndicates is the fees for related services.
Venture funds. If you do not already have, say, $1 million, then this option will not suit you. But we are working for the future, right? So this is worth considering as well. It is good because you do not need to understand existing projects and personally choose startups - professionals do everything for you. You are only required to transfer money to the management of the fund for 5-7 years.
Considering venture investments as passive income, keep in mind that to ensure an acceptable level of risk, you need to distribute capital among at least 10 projects. At the same time, it is necessary to select only high-quality startups. To do this, follow the contests venture projects, and also read articles in the media with selections of promising companies.

Passive income. How it works?

Each of us has an elementary set of resources: time, physical strength, the ability to perform simple tasks. Many also boast a good education, work experience in any field and just a smart head, which in itself is not as common as we would like. So the difference between a dollar millionaire and an ordinary hard worker who lives paycheck to paycheck is how they manage these resources.
An employee, of which the vast majority, in fact, makes a direct exchange of his time for money. At the same time, the cost of each hour or day directly depends on the value of his skills, knowledge, experience, and productivity. And this is called active income. Rich people, in turn, directly or indirectly invest their available resources in the creation of assets - values ​​that can generate income without further investment of the resources of their owner. Therefore, passive income is also called residual from the Latin word residuus - remaining, preserved. The work has already ended, and the profit is saved for an unlimited time.

Why does this method of extracting financial benefits bring many times more money than ordinary wage labor? It's simple: you can create a package of assets, the total value of which for the market will be hundreds of times higher than the value of your personal time with all the skills and knowledge combined.

3 types of sources of residual income!

What can act as assets? I have already given specific options for passive income above, and now I will try to explain the essence. So I would divide all assets into three categories:
The first type is things that rise in price on their own. That is, receiving passive income or another currency is earnings on the difference between the price you paid when acquiring property and its value, say, in a year or simply by the time you decide to sell this property. For example, you bought shares for $15 apiece, and after 5 years they are already worth all $115. The cumulative return is 766%. This is a brilliant result, I tell you.
In the second group, I would include property that can be sold an unlimited number of times. An example is a patent for an invention. You can sell the right to use your invention to multiple companies during the lifetime of the patent. At the same time, you worked only once - when you created your invention. And it can bring a stable passive income for decades.
The third category is assets that themselves create new value, and you receive income from its implementation. Any company can serve as an example. Once you have created a successful business, you can retire, but the activity of the enterprise itself will not stop. It will continue to produce goods or provide services, to profit from their sale, and some of it will safely settle in your fattening pockets.
I want to note that this is not a free retelling of some scientific classification, but my own view on the types of passive income. And I tell you all this so that you understand general principles asset formation and were able to find and choose for themselves the most convenient and interesting methods of creating sources of residual income, not limited only to my or someone else's advice. In the end, you need to do what you get real pleasure from, otherwise you will not be able to achieve truly grandiose success.

What's stopping you from creating passive income?

I'm sorry, but now I'm going to be smart. Or rather, demonstrate their modest knowledge of economic theory.
In the interpretation of the Austrian economic school, capital is defined as resources that we do not consume right now, but use them in order to get a higher level of consumption later, in the future. And the profit, in turn, is a payment for the risk of losing these very resources, as well as for the fact that you have to be a little patient and postpone the moment of consumption until later.
Actually, in these definitions there are four main problems that prevent the creation of residual income.
Problem number 1. We resolutely do not want to endure and postpone the sweet moment of consumption for the future. We want to eat, drink, use everything right now. Life, in fact, constantly offers you a choice: crack one dubious-looking caramel this very minute or wait a week and get a whole box of delicious chocolates. And what do you usually choose? There will be no hints here - answer yourself, only honestly.
Problem number 2. Bad time management. Instead of properly scheduling and investing part of the time in our assets, that is, future consumption, we either give this time to the uncle for whom we work overtime and on weekends for a “thank you”, and often without any thanks, or we bring precious hours and days as a sacrifice to the gods Divan and TV. There is only one way to overcome this problem - timing. I must say, time management is a whole science, although it is easy to understand it. I advise you to read books on this subject by a recognized guru in this field, Brian Tracy.
Problem number 3. Bad financial management. Remember Matroskin's phrase: “In order to sell something unnecessary, you must first buy something unnecessary. And we don't have any money!" Here is the third problem of creating residual income. This requires at least a small capital, but where to get it? I have already outlined some of my thoughts on this topic in the article. In general, you need to learn how to plan your budget and save. Just make it a rule to set aside, say, 10% of all your income every month, and whatever happens, stick to this principle.

This rule is directly related to the third problem of residual income, that is, risks, and is expressed in just one word - diversification. essence this approach consists in distributing your capital into several assets with different levels of risk. For example, you can build a portfolio of stocks, bonds, and precious metals.
Why is this needed? This is how we minimize risk. For example, if you invest all your money in the shares of a young promising company, then the probability of losing all capital is extremely high if the enterprise does not live up to expectations. And you can do otherwise. Part of the money is in high-risk securities. Another part is in gold. The risks here are much lower and in the long term, the yellow metal shows a stable and very decent growth. And, finally, define another part of the money in bonds, which have a small but fixed value.
Having such a portfolio, on the one hand, you provide yourself with the opportunity to receive a high and stable passive income from shares. On the other hand, you protect yourself from a total loss of capital with bonds and gold. Thirdly, at least part of the invested funds will certainly bring some profitability, which will compensate for potential losses from the loss or fall in the price of other assets.

What passive income options do I choose?

You can learn about my entrepreneurial history in this little autobiography: . In short, I have already built my business, and it is he who serves me as the main source of passive income. But, since it is useless for a real entrepreneur to stagnate, I, firstly, planned the expansion of my company, and secondly, I mastered a new way to increase my capital - trading on the binary options exchange.
This option is not entirely suitable for obtaining passive income itself, since it involves personal involvement trader in each transaction. However, I will still say a word about it, because, in my opinion, binary options have several advantages at once over each of the above methods of earning:
Low entry ticket price. In contrast to the minimum required costs for creating your own business or a diversified portfolio of stocks and bonds, $300-500 is enough to get started with binary options. Of course, to ensure good returns and minimize risks, it is better to allocate a slightly larger amount.
High profitability, many times higher than inflation. Profit from speculation with binary options can reach and even exceed 100% per month of the initial capital. None of the above methods bring such income.
Everyone can master the work with binary options and reach a consistently high profit in 1-2 months.
However, I must immediately upset the lovers of freebies - it is not here. It will not be possible to do without preliminary study and rather painstaking work at the very beginning. You can learn more about how to start from this article:. But then you can make several profitable trades a day quite easily, spending a total of no more than an hour on it. Here is one example of my transactions:

I hope my recommendations on creating passive income will help you figure out how to grow your personal financial empire and avoid common mistakes. I wish you good luck and all the best.
Sincerely, .

Passive income is a method of making money that does not require constant effort and work from you, you get your money even when you just sit in front of the TV and drink tea with sweets.

Surely you have noticed that most of the rich and successful people monthly receive not a small profit almost out of thin air. In fact, money doesn’t “drop” into anyone’s bank account just like that. It's all the result of hard work. Let's try to understand this issue together and learn with a minimum of effort with the help of passive income.

What is passive income

A large mass of all people are accustomed to living by standards. The monotonous lifestyle of "home-work-home" suits many. Some men and women, wanting to earn additional income, get a second or third job. But with such an approach, it is hardly possible to become a successful person. In order to live for your own pleasure and not think about whether you will “reach out” to the salary, you need to find a source of passive income.

Passive or residual income This is a type of income that does not require active actions of a person. In other words, every month some sum of money for previous work. That is, you invested money in a business, or successfully sold your creation, and now you receive a reward throughout your life (or several years).

But in fact, it is not easy to organize and receive such income. You will have to put in a lot of effort. This may take years. But it's worth it. And yet what is the point of getting money in this way?

In order to receive dividends or interest, you must have an asset. And it is these types of assets that we will now talk about.

There are several types of passive income.

• Intellectual. Occurs when a certain intellectual product is created. It can be a book, a song, an invention, a video. Subsequently, the author (rentier) receives a fee and a percentage of each copy sold, a patent.
• Investment (financial). To obtain this type of passive income, some capital is required, which is invested in real estate, securities, stocks, etc. Such deposits are the source of interest and dividends.
• Marketing. By creating a marketing network, a personal website or your brand, you can receive a certain amount of money every month.
• Legal. This is the type of income that many citizens are entitled to by law. Namely, pensions, social payments, material assistance. So, if you are part of a group of people who rely on social services. payments, then by filling out the relevant documents in a state institution, you can regularly receive money without making any effort. We will not talk about this species, because it is already clear to everyone.

A person who lives on money from passive income is called a rentier. He most often owns real estate, which he rents out, financial assets, or intellectual property.

What is the difference between passive and active income

Modern man is accustomed to survive thanks to active income. But this is due to the fact that not everyone knows and understands the difference between active and passive profit. In order to start a new life, or leave everything as it is, let's find out how passive income differs from active income.

1. Active income is received by an employee, a specialist, an employee for some work done. It can be salary, advance payment, bonus, etc. But if a person stops his labor activity then they don't pay him any money. Passive income does not depend on whether you worked this month or not, and you receive payments anyway.
2. In order to receive dividends, interest, you must have initial capital, assets. To receive active income, you do not need to have any valuables.
3. Active income limits a person's actions. For this type of income, you can work one or two jobs. While passive income does not limit the actions of the owner. Those. financial capital can be divided into several parts and invested in different projects.
4. The risk of being left without a livelihood is higher with active income. So, when you leave your job, you will no longer receive any payments, i.e. loss will be 100%. Having passive income and investing assets in several projects at once, you will never be left without money. In case of failure of one project, you receive income from the rest.
5. Active income is preferred by people who do not understand financial matters. Therefore, they most often never achieve financial stability. Owners of passive income live for their own pleasure and do not need anything thanks to financial independence and prosperity.

Sources of passive income

So, we have already found out what passive income is, what types it is divided into and how it differs from active income. It's time to find out how and why you can create a source of passive income.

Let's take a look at the most popular and affordable ways to get "easy" money together.

Renting out real estate

One of the most popular and common ways to earn passive income. To receive rental income, you must at least have real estate, or a rather large capital, for which you can buy residential or non-residential space.

After acquisition square meters you will need to work hard to make repairs, purchase the necessary furniture. Real estate can be both residential and commercial. In the first, people live and relax (houses, apartments), and in the second they work (offices, industrial premises).

With this type of income, you receive a certain amount every month, but from time to time you will have to make repairs and monitor the condition of the premises. This can be avoided by using the services of specialized firms. They will take over most of your duties, and in return they will demand about 10% of the rent of the premises.

Leasing of special equipment, equipment for rent

Renting out special equipment as well as renting real estate is a profitable business. Very often, this type of income brings more profit than renting real estate. All due to the fact that special equipment and equipment can quickly pay off. So, for example, if you have any expensive construction tool, then regularly renting it out, it will cover the cost for several months.

You can rent any movable property, the cost of which is higher than the average salary in your city. It can be the most diverse equipment (commercial, industrial, industrial), machines, inventory.

For example, one acquaintance for his factory periodically rents a car with a tower (boom) to repair power supply systems, raising electricians to the desired height to the cables. For a day they give more than 5000 rubles. Calculate the profits yourself.

Owning such equipment, you can live comfortably for more than one year.

Renting advertising spaces

Everyone knows that advertising is the engine of commerce. It is thanks to the bright promotions that trading companies have become successful. Our people are arranged in such a way that they buy and use exactly those products and services that everyone hears about. This is what many advertising companies use. They try to place ads in all sorts of places. It can be cars, public transport, billboards and even residential buildings. So why not make money on it?

Renting advertising space is a great passive income option for lazy people. All because you need a minimum of effort. This is to find an organization and offer your services for advertising on your car, house facade, balcony, etc. After that, an agreement is concluded, you place the specified type of advertising (posters, stickers, etc.) and you receive the agreed amount. The only negative may be the limited terms of your agreement. But you can always find an advertising company that wants to work with you.

Bank deposits (deposits)

One of the least labor-intensive ways to generate passive income is bank deposits or deposits. They require a minimum of effort. You will only have to find a reliable bank with the highest possible interest rate. Everything else is done by employees of the financial institution. The only condition is the presence of a certain capital, which should be invested. The larger the amount, the larger the amount of interest.

If you have several million at your disposal, then having made a profitable investment, you may not work at all. But if the amount is not large, then, accordingly, the income will be minimal. Very often, people with a small income set aside a certain amount every month for several years. As a result, their children have a good passive income.

But this type of income has a significant disadvantage. This is inflation. It is because of her that investors lose up to 10% of their income, because. money depreciates every year. This must be remembered before concluding a long-term contract.

Intellectual or creative product

This type of earnings will appeal to talented and gifted people. It is they who can create some intellectual or creative product. It can be a book, a song, a poem, some invention.

After writing the book, you will need to contact the publisher, where they will accept the manuscript (if it is really worthwhile). After the publication of your masterpiece, royalties will be paid and a percentage of each sold copy of the book will be deducted monthly. It all sounds very nice and simple, but in fact, this type of earnings has very tough competition. Therefore, only brilliant authors who are loved by millions of readers receive the maximum cash payments.

If you create any technology, you will have to patent it. If the invention is useful and its mass production begins, then your children can also receive passive income.

Own business

If you feel the huge potential of a leader in yourself, then you can try. In order for it to bring passive income, it is necessary to work actively for several years.

First you need to understand what exactly you want to do. This should be an area of ​​activity that you know well. Let's give a simple example, if a man is well versed in cars and loves transport, then it would be a great idea to open your own service station.

When the idea is "ripe", get and. Then start the business.

When you realize that your business has become successful and brings a stable income, you can think about how to delegate it (transfer certain powers to another person) and receive passive income.

In order to retire and “skim the cream” in the form of cash, you need to remember that the company you built should work like a well-functioning mechanism, and the person you entrust the management of the company will not let you down and justify the trust placed in you.

Based on the experience of many companies, we would not recommend completely withdrawing from business. This leads to bankruptcy in 90% of cases.

Selling a franchise and receiving royalties

Owners of large well-known companies can count on such a source of passive income. It does not require any capital, but to obtain it, you will have to work fruitfully for more than one year. Let's take a closer look at franchises and royalties.

In simple terms, a franchise is a rental of a brand, trademark, company management method, slogan, etc. some unknown organization. Thanks to this, the production and sale of its products under the logo of a well-known brand is carried out. As a result, the turnover and income of the start-up firm are rapidly increasing.

After the sale of the franchise, royalties (an agreed amount of money) are regularly paid. It can also be a certain percentage of the income of the firm that bought the franchise.

At first glance, everything seems easy and simple, but in order to receive passive income, in this way, you need to build a large business or a brand that will be heard.

Investing in a third party business

People with solid capital and assets can count on passive income by investing in a third-party business. However, the more you invest, the higher percentage receive.

In order to invest in a third-party business, you need to study the business plan well, calculate all possible risks, and regularly monitor the company's activities. Only in this way you will save your investments and not be deceived.

Investing in any business is a very risky undertaking. In order not to lose all the money in case of bankruptcy, do not rush to invest all your savings in one project. It is better to invest in several organizations at the same time. Thanks to this, in case of failure of one project, others will bring passive income.

Creation of a mobile application

In the modern age of progressive technologies, most people have a mobile device that supports various applications. Mobile apps make life easier for millions. Everyone downloads an unlimited number of them and recommends to others. Therefore, anyone can create their own application that will bring decent passive income.

• First, you need to get an interesting idea. She can help you get rich. Due to the high competition, it is sometimes difficult to surprise users, but if you do succeed, you are guaranteed success.
• Second, create an application. To do this, you need to contact specialists who, for a certain fee, will be happy to help you.
• Thirdly, place the finished product on the platforms. For starters, don't overcharge the app. Set the minimum amount. And when thousands of people like it, gradually raise the price. Or make it free, but with paid add-ons or ads.

Creating a mobile application is a fairly simple source of passive income. In most cases, it does not require large investments, and the income received can pleasantly surprise you for several years.

Creating a YouTube channel

Probably every PC user at least once watched videos on YouTube. This is really a very convenient site where you can find any information of interest (master classes, training videos, funny videos, etc.). Millions use this service every day. So why not make money on it?

To get passive income with YouTube, you just need to create your own channel and upload interesting, and most importantly, useful videos. It can be varied, ranging from a video of funny animal behavior to a master class on repairing a washing machine. It all depends on what you can do.

Very often, a start-up company lacks recommendations that will ensure regular sales. If you have a wide circle of acquaintances and close cooperation with a large number of firms, then passive income from recommendations is created just for you.

So, communicating, you will find out that someone needs the services of an electrician or a designer. You can recommend this or that firm and get for it cash reward or a certain percentage. The main thing is that in this organization there are payments for recommendations.

Maybe the amounts will not be sky-high, but it's better than nothing. The lack of start-up capital is the main advantage of this method of obtaining passive income.

Passive income on the Internet - your website or blog

I started to deal with blog sites (article sites) a long time ago, but I did not turn them into passive income. I developed them for sale or temporary income from advertising and as a rule they did not stay with me for more than 1 year. But now that I already have several main activities, why not slowly start acquiring assets with passive income. So I created a website a few years ago, which now brings more than 100,000 rubles. only on contextual advertising without my participation. And what's more, I did not stop there and made several more sites that are now generating income.

What is good passive income from websites?

The fact that articles will be read constantly and search for information constantly. Having written an interesting article 1 time, it will bring you a lot of traffic from search engines and will bring readers constantly. And that means income. Blog development is about creating interesting content (articles for example) and attracting readers. When there are readers, you place contextual advertising and earn on clicks on it. It's very profitable. Having swung a blog a little, you will already be making a profit, and with each increase in readers, the profit will grow. And then you can do nothing and only occasionally publish articles, and the money will still drip in this plus. Or you can put the editor in charge of your site or several, as we do.

If you plan to develop this direction, then read the section on. There you will find useful information, and if it is not enough, then ask questions, we will add.

Investments in the purchase of information sites

If you do not want to create a source of passive income in the form of a site, as I described above, then you can buy sites with income. But for this, you must at least understand the topic and go all the way from creating your sites.

Affiliate programs as passive income

I already wrote an article about . And this source of income can be made passive. If you work well in this direction and a lot of people will be registered using your affiliate links in those services or stores on whose affiliate program you earned, then all further actions of these people will also be paid to you.

I still get money from many of the services I referred people to a few years ago. This is a small income, but comparable to renting an apartment in Omsk.

We hope that everyone who reads this article has already understood the importance of passive income and the main differences from active income. Now let's try to figure out together how to achieve this coveted financial independence.

1. Start with yourself and educate yourself. In order to make assets, capital, business work productively, you first need to study the theoretical part. Start reading books by famous financial experts (eg Robert Kiyosaki, Bodo Schaeffer, Robert Allen, etc.). Thanks to this, you will better understand all the nuances and details of financial activities.
2. In your free time from your main job, start looking for a source of passive income. Maybe you'll invent something new, patent your creation, and be rewarded for life, or maybe you have another hidden talent that will help you gain financial freedom. To make your work enjoyable, try to turn your hobby into a source of income. For example, an amateur photographer can sell his work on specialized platforms on the Internet, and a programmer will create an Internet application that will be downloaded by millions of people.
3. If you still found a way of passive income that suits you, do not stop there. Try to develop and discover new ways of earning. For example, having profitably invested money in a bank, you can still upload videos on YouTube, review existing construction equipment and rent it out.

Why the poor stay poor and the rich stay rich

The subconsciousness of most people of our time contains information that in order to feed their families and provide for themselves, it is necessary to learn some kind of profession, and then plow all their lives in a factory, mine, office, etc. At the same time, to fully relax only once a year on vacation. That is why the plan is moving the average person in our country.

At the same time, more successful and financially literate people have long understood that a decent income can bring not active, but passive income. Naturally, they understand that in order to regularly receive money, putting a minimum of effort, you need to work actively for a certain time. This period may be several years, but such a person is aware that he is working to create passive income that will ensure a comfortable old age.

Poor people work only to satisfy their needs. At the same time, they do not even think about creating some kind of capital that can bring money. In the best case, a person gets a job in another, or additional job.

The difference between the poor and the rich is how they spend their free time. A wealthy person gets richer every minute due to passive income, which brings profitable investments. Low-income people drink beer, watch TV and complain about the life of the people around them.

One well-known businessman and financial analyst said that a person's success is not measured by the amount of a bank account, but by the amount of time that he can not work. It really is. After all, you can deny yourself everything all your life, limit your desires and needs, while collecting savings in a three-liter jar. But such a person can hardly be called happy, successful and enterprising.

How to achieve financial freedom and independence

In order to live for your own pleasure, you need to make money work for you. This is possible if you work hard for a while. During the period of activity, we do not call for work 24 hours a day. It is enough to look for methods of alternative earnings in your free time, which in the future will bring passive income. The more such sources there are, the less work will have to be done.

It can be quite hard at first, but remember that thousands of people like you do not live on a beggarly wage, living on bread and water. They do not know the feeling of hunger and need. And all because they understood in time how exactly you need to make money.

Conclusion

Now you know everything about passive income! You might also find the article on . Do not be afraid to experiment, because everyone has one life. And it depends only on you and me how we will live it. It's never too late to start changing your life. It is within the power of both a teenager and a pensioner. The main thing is to believe in yourself and not give up, and then you will definitely succeed!

The choice is yours! And I'm waiting for comments under the article.

Constantly and most importantly guaranteed, getting a certain income every month is the dream of any investor. Money works without your participation and any effort and brings even more money. How to achieve this? Answer - you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of invested funds. And let's say, for novice investors, the profit received from their investments will be relatively small. But you need to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant. In law - over time, even the most modest capital can turn into a rather impressive amount, the profit from which will give you a significant financial flow in the form of a monthly income from the placed funds.

Where can you invest money to get a constant monthly income?

We buy with different coupon dates. It is on these dates that you will accrue profit. You can build a portfolio of bonds in such a way that monthly profits will be credited to your account. Usually the duration of the coupon is 91 or 182 days. Every 3 months or half a year, the profit from the purchased bond will go to your account.

Advantages. Higher yield. Clearly predicted and fixed income. High (you can instantly sell bonds without losing accrued profits).

Flaws. Probability of bankruptcy of the issuer that issued the bonds. For blue chips, this probability is small. For OFZ (federal loan bonds) and municipal bonds, it is practically zero. Usually (although very rarely) the so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and you'll be fine.

4. Dividend shares . Buy, which consistently pay dividends. And not just dividends, but. On average, in the Russian market, this amount is 3-6% of the value of shares. There are companies (but there are few of them) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.

Of course, the profitability is still small, but if you consider that you are buying a piece of a working (and successful) business, then with the further development of the company, the profit will also grow.

For example. The price of shares in the stock market is very volatile. They can "walk" within 20-30% during the year, both up and down. At the beginning of the year, the shares of SurgutNeftegazP cost almost 50 rubles apiece, then the price fell almost 2 times within six months, to 28 rubles. Considering that the yield on average is 10% per share (at a price of 45 rubles) or 4.5 rubles, buying at the “day” at 28 you would secure a future yield of 17% per annum. And if the company's profit continues to grow, then the annual yield will easily exceed 20%.

Advantages. Having bought a "piece of business" in the form of dividend shares, you will be entitled to count on a share of the company's profits. You can find, thereby obtaining even more annual profitability. With the development of the company, profits will increase, which means that dividends will also grow.

Flaws. Uneven distribution of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Purchased shares can significantly fall in price. But if you are aiming (several years), then it will give you the opportunity to purchase additional shares at bargain prices.

Finally

It is possible (and even necessary) to receive passive income every month. There is nothing complicated about this. The listed methods are available to everyone. And don't forget. Divide your funds into several parts, and use them to make a profit in each way. So, of course, the overall profit will decrease, but you will greatly reduce the risks when investing.

This article will focus on the question of why multiple sources of income are needed and how they can be created.

One salary is not enough

If the main sources of income are only salaries, then this is a rather unstable financial situation. This is especially true if another financial crisis is traced outside the window.

This issue becomes important if these sources of income are blocked due to the loss of a job, and the family needs to be fed, and there are other financial obligations(For example, Bank loan). In this case, the option of earning money in another place will help.

Therefore, in the thematic literature, one can find an interpretation of such a concept as multiple sources of income. It is the creation of such that will contribute to the formation of real financial freedom. Especially if such sources of income generation are passive. In other words, this is the profit that a person receives, regardless of whether he works or rests.

Passive sources of income

So, what is it and by what criteria can they be evaluated:

1. Opening your own business. This is a type of activity that does not require special participation in the process of functioning, but will require a lot of attention at the initial stage.

2. Income from rental property. It can be personal property both in Russia and abroad. Such sources of family income are fairly stable. At the first stage, it is advisable to have such real estate abroad.

3. Copyrights are quite interesting sources of income generated by various printed or audio, video materials, as well as inventions created personally. The source of such earnings is the receipt of royalties.

4. Bank deposit, which is the most common source of additional income. It is formed by investing a certain amount of money in a bank at interest, which refers to the passive type of earnings.

What is the best way to generate income

If today there is only one type of income in the family, then experts recommend adding others gradually.

Multiple Streams of Income: Creating Them

For the successful implementation of their achievements and developments in order to receive in the future, it is necessary to draw up a certain algorithm of actions:

The direction of activity in which it is planned to create a source of income is selected;

A specific plan for its formation is drawn up;

This plan is being implemented.

Other sources of income

In addition to passive, there are also such sources of income as:

work award;

Compensation and compensation for damage;

Scholarship;

Alimony.

Income and expenses

Provided that the family receives regular income, it has the opportunity to plan the appropriate level of expenses. Often, however, spreading out spending on future monthly payments, you can find the need for additional payments. Thus, additional financial plans may appear.

It is a completely different matter when it comes to irregular earnings. In this case, it is more difficult to plan the sources of income and expenses, since the size of such an average family budget for the previous year and the moment regarding its expected minimum amount per month remain uncertain.

An important issue for the budget of any family is its planning in accordance with minimum size source of income. And if there are surpluses, it will be possible to direct them to cover additional needs.

Security of sources of income

V this case it is necessary to repeat once again about the need for the family to have, in addition to the main source of income, also additional ones. For example, if a family member receives only a social benefit, then there is a possibility of changes in the current legislation that will lead to him losing the status of a citizen who meets the specific criteria for receiving such benefits.

The best option is for all able-bodied family members to work. At the same time, they should have different places of work, so that in the event of any reorganization at the enterprise, the family would not be left without income. Household income is dependent on a large number of factors, but effective planning will enhance the effect of income growth with their distribution between sources.

Additional source of income

Incidental expenses are:

Capital and current repairs;

Purchase of equipment;

Expenses for examination and sickness.

There are also so-called "undesirable" expenses, consisting of:

fines and penalties;

Various compensations (for example, repairing the housing of neighbors flooded with water);

Interest on unpaid obligations.

Summing up the material presented in this article, it should be noted that the preparation of a family budget is an integral part of any "cell of society". Only through effective planning will be able to sufficiently financial level family to exist.

Improving well-being is a natural desire of any person. However, for both the rich and the poor, there is a limit set by work, there is a ceiling on the level of wages or pensions. One of the ways to overcome it can be considered passive profit - from automatically occurring operations.

What is passive income

Unlike active (linear) income, residual income does not require constant actions from the owner. A well-established scheme of passive income will bring money independently and constantly. Unlike daily trips to work, where no financial investment is required from a person, building a source of alternative income requires one-time material and intellectual efforts.

Actually, passive income in Russia, for example, includes:

• investments in securities;
• leasing of real estate, equipment, transport;
• receiving interest income from a bank account;
• royalties for intellectual property;
• selling your own ideas;
• provision of Internet sites to third parties.

How to create passive income from scratch

The desire to make a profit and gain financial freedom is the most natural thing possible. However, here lies the main problem for lazy people - creating a passive income from scratch requires material, financial or intellectual investments, depending on the chosen direction of activity. However, even without a minimum material property, you can organize a regular income and put it on stream.

Sources of passive income

In the desire to receive money and do nothing, the main thing is not to get lost among the huge range of opportunities. At first glance, it may seem that there are not so many of them: investments, rent, copyright. In fact, only on the Internet there are more than 100 different types of options to earn money. The list will indicate the main ways of passive income for the average person:

• index funds specializing in metals, energy, emerging technologies;
• advertising: you can make a video blog on any popular video hosting;
• renting a house / car;
• passive marketing - distribution of third-party advertising on its site;
• investments in high-yielding securities;
• write an e-book (you don’t even have to spend money on publishing);
• organize or join a ready-made passive business partnership;
• professional recommendations and advice - create online courses, a textbook, articles or maintain a thematic blog.

Smart investment

This method of income can be considered the simplest and most undemanding. All that is needed from the investor is to choose the direction of capital injection. Investments in intellectual property have been consistently profitable for many decades. Unlike any material forms property is colossal: intangible objects of ownership are not subject to obsolescence and destruction, they are easily reproduced / copied.

With this method of investment, the following options for owning property are possible:

1. Ownership of rights to a unique trademark, logo, design layout or style concept. An example is well-known brands like McDonald's, MTS or Beeline - everything is covered by copyright: colors, slogans, logos, even design schemes for branded stores.
2. Purchase of a patent right for an invention, technical means or technological method of production. The term of a patent under modern law is 10 years with the right to further renewal.
3. Create your own educational or artistic production. Profit is possible not only from authorship, but also from the distribution of material or digital copies of the product.

Marketing investments

The essence of this method of investing is to create your own business project that will be interesting and necessary for a specific target audience, establish a chain of command and ensure functioning that will require minimal impact from the owner. This is the creation of your own business with the subsequent receipt of a constant profit. With creativity, such business plans can be created constantly, gradually selling them in the form of pure projects, and receiving additional income from owning the idea.

Marketing revenues begin to bring real profit only after the initial investment pays off. This means that you cannot get a quick income in this way. Depending on the field of activity, reaching a residual income can take several years. If the business is in demand and properly organized, then after a while it will be possible to enjoy profits with minimal impact on the process.

Renting out real estate

Almost every resident of the country who owns unused space rents it out. There is no fundamental difference - the source can be an apartment, a house, an office, a piece of land, a warehouse, and even a factory. Passive income from real estate is that the owner makes a profit when another person uses his property. V modern world this is the easiest and most effective way to make a profit without additional capitalization (provided that you have unused private real estate).

Income from financial investments

This type of investment refers to risky and fickle processes. Investing in securities, precious metals, precious stones and other analogues of the money supply is profitable in the presence of start-up capital. At the same time, passive income from investments will fluctuate following the mobility of the stock market. Both sudden ups and sharp drops are possible following political actions, the appearance of new players on the stock exchange. At the same time, there will always be profit, since there are no analogues to monetary relations yet.

Separately, it is worth mentioning investing in shares of developing companies. It is extremely risky to invest in a JSC with an unpredictable future. You can either lose all share capital, or get rich instantly (as was the case with Microsoft). Either way, you need to weigh the risks. Even regular players in the market can suddenly go bankrupt for one reason or another.

Passive income with investments

To receive a guaranteed income, you need a mandatory minimum financial investments. In this situation, almost 100% guaranteed at least the return of funds spent in case of unsuccessful investment (you can go to zero). Types of passive income with initial capital - investing in a bank, securities, Forex (PAMM account), mutual funds. Profit is calculated from the number of assets invested initially.

Income from the deposit

If the owner has a liability in the form of funds that are not in demand, then he can put them in the bank at interest and make a profit. Deposits can be called the most profitable investment for residual income. The main thing is to make sure that the bank is reliable and determine the terms of the contract. Income on a bank deposit will be determined by the specifics of the deposit - replenished or not, with interest capitalization or permanent, with the possibility of withdrawing money before the expiration date or closed.

Income from mutual funds

Mutual funds have become popular among investors because of their profitability with full legality and proper use of capital. The essence of these organizations is simple - there are a number of equity holders who have invested their funds for the general cash desk (not legal entities and not banks). Management Company strive to increase capital, from which interest will be paid to shareholders. This is a kind of cooperative for the sake of profit. The profitability of mutual funds directly depends on competent management and successful investment.

Flower business - passive income

This example will well illustrate the implementation of marketing investments. A passive business makes a profit after the owner has adjusted its functioning to a state where his constant intervention is not required. For example, for a flower business, you need to find a supplier, florist, equipment and premises. If these factors interact normally, then it remains only to make a profit and sometimes make adjustments.

Another modern original source of seasonal alternative income on flowers is the rental of bouquets for the holidays for photos. No matter how ridiculous it may seem, but in 2016 one of the owners of the flower business on 2 bouquets with a total value of 5,000 rubles made a profit of about half a million in less than a month. So even a seemingly permanent business can bring a one-time income.

Passive income without investment

One of the most popular queries on the Internet for the segment of work in Russia. This does not mean that there are a large number of idlers in the country. V crisis situation without a material base it is very difficult to start earning. The ideas of passive income online are widely known, but it is important to remember that the number of scammers is several hundred times higher. You should carefully choose the method of passive income on proven sites with real recommendations and reviews.

passive income online

To start earning through the network, you need to exist and understand inside it. Passive online income is based on the fact that a person owns his website, blog or just a hosted channel. Further, there are two options for making a profit - advertising, selling your own ready-made media materials. All the rest (affiliate programs, investing, selling links, etc.) require direct participation, so it is no longer possible to call them passive.

Network Marketing - Passive Income

Any network marketing is a peculiar way of earning, which is criticized by many. Successful work in this area will be able to people with a certain mindset and character. Initially, SM is direct sales, and there is no question of any residual income. Let's take Oriflame as an example. The seller invests in the purchase of goods and reference literature, pays for seminars and courses, receives a profit on resale (at the same time, it is fixed by the company). Passive income in Oriflame starts from the moment when attracted customers start working for the seller (they themselves start selling).

At this point, non-linear income begins in any network structure. At its core, SM is a typical pyramid scheme where you need to hire even more workers in order to make a profit. At the same time, someone is already making a profit from you, from your interest. Paradoxically, passive workers in this field of activity have nothing to do. You will have to work hard to earn a residual income.

Games with passive income

Making money on the game is the dream of any active gamer, because a hobby that brings money cannot but rejoice. In the current state of the network, the income of online games (popular and in demand) allows active players to earn real money. There are a huge number of Internet sites where they sell virtual things from games for real rubles. This business is growing rapidly and inevitably.

New to the network - games with real payment money and passive income. Most of them are primitive in appearance and are an offshoot of some investment fund or companies. Obviously, no one advertises this, but such game projects not only increase the basic capital, but also depersonalize it. In such games, the player's activity is minimal, but the profit is insignificant. To speed up the process, you can buy special tools for real money, and the costs are offset by game progress.

How to organize passive income

First you need to really want to get more money and decide on the field of activity. The organization of passive income on direct capitalization requires minimal financial education, a marketing approach requires a ready-made business, and an intellectual approach requires creative thinking or specialized knowledge in demand. After setting the task, only legal registration(even for games there is a registration and an agreement with the conditions for the circulation of real money). On this active activity can be considered finished.

Tax on passive income

In most cases, passive income tax is already included in the calculation process when they are received. This means that the profit from dividends will go to the account with the tax percentage already deducted. However, when filing a tax return, you must indicate all types of income. Almost all of them are subject to a rate of 13% in Russia. Difficulties arise with patents and licensing of intellectual property - tax rate calculated separately for each specific case.

Sale of passive income

The easiest way to sell a business with passive income. The seller increases the value by the amount of possible profit for a certain period, and then the standard procedure follows. It is more difficult with non-linear methods of income through the network - there is practically no legislation for this process. Therefore, when selling a serious source of residual profit via the Internet, it is necessary to involve specialists. Securities are traded through specialized brokers.

Video: Passive Income Options