We all save money. A schoolboy saves for a new smartphone, a student for a car, a young family for an apartment (or more often for a down payment for a mortgage), a worker for a vacation, and a pensioner for a funeral. And no matter how tense the economic situation is, the money somehow accumulates. Otherwise, why are there so many iPhones and expensive cars around?
But what most people don't realize is that when the accumulated money is under the pillow, it subtly diminishes. Every night a "savings killer" comes and steals a small part of our savings. And this killer's name is Inflation.
The official inflation rate in Russia for 2015 is almost 13%. But we know that it is not weakly underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely over 20%.
Thus, all our savings depreciate at a rate of at least 20% per year or 1.65% per month. So, now most of the ways of investing do not help to increase your funds, but at least offset inflation a little.
In such a situation, it is very unwise to keep money under the pillow. Any free money should work. But how to invest them as reliably and profitably as possible?
Investing is not that hard.
I think everyone understands what investing is. When investing, you make your funds work. That is, you invest money, expecting to receive even more money in the future.
But we must not forget that investing entails risks. Instead of the expected profit, you can get a loss or even lose all your money.
Therefore, the main rule of investing is risk diversification. According to this rule, you must break your savings into parts and invest them in different investment projects.
For example, let's say your investment portfolio is $100,000. Then you need to choose a few investment instruments that are suitable for you. Suppose you have chosen mutual funds, PAMM accounts and backing and HYIP projects. Now you will need to distribute your portfolio between instruments depending on how much you are willing to risk.
Let's say that you are configured for moderate risks and distribute money as follows: mutual funds - 40%, PAMM accounts - 40%, backing - 10% and HYIP projects - 10%. Now you need to apply the principle of diversification within each chosen way of investing.
That is, you will need to select several different PAMM accounts and distribute your 40% of the portfolio between them. The same must be done with other chosen ways of investing.
In order to comply with this rule, you need to use several tools that can multiply your money. I have selected 12 of the best ones for you.
We compare the 12 best ways to invest.
I not only selected for you the 12 best ways to invest, but also compared them with each other. For comparison, I chose several parameters that I decided to evaluate on a 10-point system, where 1 is the lowest score, and 10 is the highest.
Comparison of the best ways to invest.
The following options have been selected:
- Simplicity. This parameter characterizes how easy it is to understand this type of investment, understand the principle, find a suitable company and make a deposit.
- Yield. Here the average return on investment will be estimated. Most often, this and the following points are interconnected: the higher the yield, the higher the risks.
- Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
- Entry threshold. Shows the minimum amount you can invest.
- Liquidity. Estimates how quickly you can withdraw your deposit, and what losses you expect if you withdraw money prematurely.
- Passivity / activity- this parameter shows how passive this type of income is. That is, 10 points means “invested and forgot”, and 1 point means that in order to get the maximum profit, you will have to spend extra time and effort.
Of course, all my assessments will be subjective and I think that many readers will not agree with them.
1. Bank deposit.
A bank deposit is the most understandable and simple way of investing for an ordinary person. Even any grandmother understands how everything works. After all, even in the Soviet Union, in which there was no investment, people kept money on passbooks. And one of the heroes of the popular Soviet film called on fellow citizens to keep money in savings banks.
All you need to do to make a deposit is to choose a bank and come there with your passport and money. What could be easier? I bet 10 points.
At the same time, the profitability of a bank deposit is not high. At the moment, deposit rates range from 7% to 12.5%. I think this is one of the lowest returns of all investment methods. Deserves 1 point
But you can be sure of the reliability of your contribution. The deposits are insured by the state. Even if you plan to invest a large amount, in order to insure that your bank's license will be taken away, you can break the amount into small parts and invest in several banks. In this case, even if the bank is deprived of a license, and your deposit was less than 600,000 rubles, then you will be compensated for both the deposit and interest. 10 points for reliability.
You can start investing with an amount of 10,000 rubles. This is not much at all, so you can put 8 points.
In most cases, you can withdraw money from the deposit at any time. But if you withdraw money early, you will lose most of the profit. 7 points for liquidity.
This type of deposit belongs to the “put it and forget it” category. All you need to do at the end of the investment period is to come to the bank and withdraw your money. Well, or roll over the deposit. 10 points.
Pros:
- High reliability.
- Availability.
- Low taxes. You will have to pay 35% of taxable income, which is calculated according to the formula: all income minus the refinancing rate.
- Predictability of results.
Minuses:
- Low yield.
Output. This type of investment is more likely not to increase your money, but to somehow compensate for inflation. In any case, if you do not want to risk at all, then this method is better than just keeping money under your pillow.
2. Mutual investment funds (PIFs).
For an ordinary person, investing in mutual funds seems not a very clear undertaking. To understand this, try to explain to your grandmother at the entrance that you are buying shares in the fund of a management company that invests money in assets.
The choice of a mutual fund should also be taken seriously, studying the statistics of different funds. After that, you need to go to the office of the company or its agent. For simplicity I will put 6 points.
The yield here depends on the type of funds and on the approach to choosing a mutual fund. The more risky the investment the fund makes, the higher the potential return is expected, but in most cases it is not high. 3 points.
Reliability also strongly depends on the type of fund. At a time when bond mutual funds are one of the most risk-free investments, investing in venture funds carries very high risks. On average, I would rate reliability at 7 points, because at least you will not be able to lose most of the deposit, as in other ways of investing.
The minimum cost of a share starts from 300-500 rubles per share, which is suitable for almost everyone. 10 points.
I think most people invest in open mutual funds, so in this paragraph we will only talk about them. You can withdraw money from open funds by selling your shares in 1-3 working days. I will put 10 points.
Still, with this method of investing, you will have to spend a little time managing your investments. Of course, the management company will do the management within the fund without your participation, but you will have to transfer money between mutual funds and decide when to sell shares and when to buy. 8 points.
Pros and cons of this investment method:
Pros:
- A large number of assets in which the fund can invest.
- Low entry threshold.
- Relatively low risk.
Minuses:
- Possibility of making a loss in case of an unsuccessful choice of a fund.
- Relatively complex investment procedure.
- An investor should be interested in the stock market.
Output. With a successful selection of funds and proper management of your investments, the profit from the deposit covers inflation and brings a small income. But you need to remember that many funds bring losses to their investors.
3. PAMM accounts.
Brokerage companies have invested so much money in advertising in recent years that only the deaf have not heard about Forex and the tempting prospects of becoming a successful trader. Therefore, it is not difficult for an ordinary person to understand the principle of PAMM investing - to give money to a trader so that he can play on the stock exchange.
You can find a suitable broker on the Internet. At the moment the most popular is Alpari. So I will put 7 points for simplicity and clarity.
Some accounts can bring you more than 100% profit per year, and some drain all your money. But, when using the principle of risk diversification, the income from this type of investment is slightly higher than in mutual funds and is estimated by me at 5 points.
As returns increase, so do risks. When using the principle of diversification, you will not lose the entire amount of your investment, but you may receive a loss. For reliability, I would put 6 points.
You can start investing in PAMM accounts with $10. At the moment, this is equal to 700 - 800 rubles. The amount is small, so I put 10 points.
You can withdraw money at any time within one to two business days. Therefore, for liquidity 10 points.
Investment management takes time. If you do not use automatic tools, then you will have to log into your personal account almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I bet 6 points.
Pros and cons of this investment method:
Pros:
- Low entry threshold.
- Opportunity to build your own investment portfolio.
- Simple investment procedure.
Minuses:
- It is possible not only to receive a loss, but also to drain the entire amount of the deposit.
- An investor should be interested in trading in the foreign exchange market.
Output. This is a very common way of investing, which has gained popularity due to advertising. This way to invest money is more suitable for those people who like the foreign exchange market or who have experience in trading on the stock exchange.
4. HYIP projects.
This type of investment is often referred to as quasi-investment. In simple terms, these are pyramids that accrue profits to participants from new deposits.
It is very easy to invest in these projects. Many of them accept bank transfers and payments through the most popular payment systems. Most often, HYIPs have a legend that explains to gullible investors where the company takes money from to pay such high interest.
It is very easy to make a contribution to such a project via the Internet. But, if you are new to the Internet, it will be more difficult. For convenience, I would put 8 points.
Profit HYIP-projects promise simply cosmic. On average, long-term HYIPs offer to pay 20-30% per month. Short-term ones can promise to double the amount of the deposit in just a few days. 10 points for the promised yield, but in fact it, of course, turns out to be lower.
There is no need to talk about any reliability of deposits. The project can collapse at any moment. Every day 1-2 HYIP projects are opened and the same amount is scammed. Therefore, for reliability, I would put everything 1 point.
I think that in this paragraph and the paragraphs below, we should consider only long-term projects. The minimum amount of entry into them starts from 1,500 thousand rubles. 9 points for a low entry threshold.
In most projects, the deposit cannot be returned. It will be returned to the depositor during the entire investment period with each payment. Therefore, only 1 point.
If you have already invested in one of the HYIPs, then all you have to do is sit and hope that the project will exist and pay. You can't do anything anymore. Completely passive investment deserves 10 points.
Pros and cons of this investment method:
Pros:
- High yield.
- Convenient deposit and withdrawal of money.
Minuses:
- Very high risks.
Output. Earn onHYIP-projects can only those who are "in the know." You need to be able to analyze projects and find those that can generate income. Most people who make money on HYIPs compensate for the loss when investing by attracting referrals.
5. Bucking (investing in poker players).
Almost everyone knows about such a game as poker. At the same time, many understand that successful players receive big money for winning tournaments. But how many people know that most poker players don't play big tournaments with their own money?
That is, if a strong player does not have enough money to participate in the tournament, he turns to an investor (sponsor), who receives a percentage of the prize money if he wins. The player can also have several sponsors who invest in the player and profit from winnings depending on the amount of investment.
You can buy a share from a player only by agreeing on it on specialized forums. For example, on the forum of this site: PokerStrategy.com. To purchase, you will need to personally write off the player. For convenience, I would put 4 points.
The reliability of this type of investment is highly dependent on the choice of players. In addition, when buying a share, you do not sign any contracts and the player may “not want” to give you your share for winnings. 3 points for reliability.
You can buy a share from $10. But only novice players sell so cheaply, to buy a share of a professional, you will need to invest 200-300 dollars. But it's still better to start with small investments, so I put 10 points for a low entry threshold.
There is no such thing as withdrawal of money. You pay a share, and if the player gets into the prizes, you take the profit.
After you have made a deposit, you just have to wait for a positive outcome. You can no longer influence anything. 10 points.
Pros and cons of this investment method:
Pros:
- The possibility of making big profits when a player wins a tournament.
Minuses:
- More suitable for people who understand poker.
- The deal is based only on an oral agreement with the player.
- Usually, players earn more than sponsors.
Output. Rather, backing will suit people who are well versed in poker. It will be difficult for the average person to pick the "right" player.
6. Trust management in sports betting.
Most people treat sports betting like gambling. But professional marques earn a lot and consistently on bets on sporting events.
Many privateers create their own PAMM accounts, which actively attract investors. This type of investment is similar to PAMM accounts in the foreign exchange market.
In order to make a deposit, you need to register on the BetPamm.com trust management platform and select several accounts for investment. 7 points for simplicity.
If you look at the charts of profitability, you will see that the leading privateers increase the funds in their accounts by thousands of percent. Such income should bribe. But on average, the return on this type of investment is much lower and deserves 6 points.
If you use the principle of diversification and invest in several PAMM accounts, then at least you will not lose the entire investment amount due to privateer errors. For reliability, I would put 6 points.
Investing can start with very small amounts. For a low entry threshold 10 points.
You can withdraw money quickly and easily. 10 points.
After investing, you will need to monitor the selected PAMM accounts in order to transfer money between accounts in case they go to a loss or achieve maximum profitability. 6 points.
Pros and cons of this investment method:
Pros:
- Short term investment.
- Self-build portfolio.
- Low entry threshold and the ability to use a demo account.
Minuses:
- The possibility of receiving a loss or draining the entire amount.
Output. This method of investment is very similar to investing in PAMM accounts in the Forex market. But it is not so famous due to the lack of advertising.
7. Startups (venture investments).
In recent years, stories of successful startups have been booming all over the place. Everyone understands how profitable it would be to buy shares of young companies, which in a few years would turn into large billion-dollar corporations.
The first way to invest in a startup is to conclude an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at discounted prices. Yunitskiy's SkyWay can serve as an example of such a startup.
You can also invest in a startup using crowdfunding platforms and startup exchanges. Exchanges do not inspire confidence in me, as I consider them HYIPs (read my ShareInStock review). But many reputable sources call them real companies. When you enter the exchange, you will see audited and verified companies in which you can buy shares. You just have to choose a suitable startup and buy a share in it. For simplicity 7 points.
For the purchase of shares on the exchange, the company will pay you dividends in the amount of 2% to 7% per month. In addition, an investor can sell his shares if the company develops and its shares grow in value. He can also sell shares if they lose value and he realizes that he has invested in a shell company. For profitability 6 points.
You need to understand that startups are a risky type of investment. According to statistics, 70% of them are unprofitable, and 20% of these 70% are just scammers who embezzle investors' money. But even of those companies that are in the top 30%, half of them break up in the near future due to internal problems.
One of the ways to invest in startups is through crowdfunding platforms. Unfortunately, in Russia they are not very developed and the minimum amount of investment through them is quite high. But all the companies represented on the site are subject to mandatory verification. There is also the possibility of investing in startups directly. For reliability 6 points.
The entry threshold for this type of investment is not high. 10 points.
If you decide to withdraw money or redistribute it within the share exchange by selling all or part of the purchased shares, then you will need to sell them on the exchange at a price below the market. The lower the price you set, the faster your shares will be bought. 7 points.
For the most profitable investment, you will have to devote your time. It will be necessary to track changes in the value of shares on the exchange, selling and buying them. There is no manager here, so you have to do everything yourself. 5 points.
Pros and cons of this investment method:
Pros:
- Convenient and simple investment procedure.
- Very low entry threshold.
- High potential return.
Minuses:
- High risks in passive investment.
Output. If you decide to invest in startups, then it is better to use exchanges. You will pay about 5% for withdrawing money, but you will be protected from scammers.
8. Currencies and precious metals.
Surely, among your friends and acquaintances there is a person who, with a smart look, claims that money should be kept in gold (platinum, dollar, pound, yen, etc.). This approach says that a person does not understand investing, but simply uses popular “stereotypes” among the people.
For example, if you look at the dynamics of gold prices, you will see that since 2012 it has depreciated against the dollar by almost one and a half times.
If you decide to do without the services of managers and independently buy precious metals or currency in order to store money in it, then this procedure will not be difficult.
You can buy currency in bank branches, or by using the services of brokers (which will be more profitable than buying through a bank). You can also change currencies using online and offline exchange offices or payment systems.
Precious metals can also be bought from banks. And it became possible to purchase gold using the WebMoney payment system.
Also, do not forget about cryptocurrencies, for example, Bitcoin, which, according to all forecasts, will rise in price in the long term. The purchase of these assets will not be difficult, so I put 8 points.
Buying precious metals or currencies for long-term investment primarily protects you from the depreciation of the national currency. For many countries with weak currencies, this is a reasonable solution. But courses behave unpredictably, so there may not be any profitability. 2 points.
A beginner does not know which direction the course will go in the near future, so his investment is more like gambling. Even if now people prefer to keep their money in dollars, what is the guarantee that oil will not rise in price in the near future along with the ruble?
You can probably protect yourself from the depreciation of the national currency by keeping half of your money, for example, in dollars, and the other half in rubles. So when the rates fluctuate, you will not lose anything, but you will not earn anything either.
Profitability depends on luck and I would bet everything 2 points.
The entry threshold depends on the type of asset and on the method of purchase. On the exchange, 1 lot will cost at least $1,000, and through exchange offices or payment systems, you can change amounts of several dollars. So anyone can buy currency or precious metals. 10 points.
You can sell currency as quickly as you can buy it. In exchange offices and exchanges, this is done almost instantly. Gold is also a highly liquid asset. 10 points.
In general, attempts to influence profits by tracking rates and then selling assets already turns you into a trader. And I would not attribute trading to investing. Therefore, I understand investing in currencies and precious metals as “put and forget”. That's why 10 points.
Pros and cons of this investment method:
Pros:
- Able to protect against depreciation of the national currency.
Minuses:
Output. Buying precious metals and currencies for a beginner is a very unpredictable way to invest money. You can reduce risks and increase profitability either by entrusting money to a manager, or by independently studying trading in the foreign exchange market.
9. Securities.
I think that most people from securities are familiar only with stocks. The most financially literate will probably be able to name more bonds. Only a few know how to invest money in securities.
In fact, buying securities is no more difficult than buying a currency. You also need to contact a major bank or broker. 7 points for simplicity.
When buying securities as a beginner, making a profit is a big question. And, if even a beginner can count on a small income when investing in bonds, then the stock market can bring a loss to a novice investor. 3 points for profitability.
In fact, usually low returns entail low risks, but not in this case. There are high risks in the stock market. 3 points for reliability.
You can start investing with a small amount. The entry threshold starts at about 1,000 rubles. 9 points.
Securities can be sold on the stock exchange in the same way as you bought them. This asset is considered to be quite liquid. I bet 10 points.
Again, if a person begins to manage his securities on his own, then he is already turning from an investor into a trader. Therefore, here we consider only passive investing. 10 points.
Pros and cons of this investment method:
Pros:
- Simple investment procedure and low entry threshold.
Minuses:
- For a beginner, this is a risky and low-yielding way to invest money.
Output. If you have already decided to invest in securities, it is better to contact a professional manager who will manage your funds for a small commission. Investing in the stock market on your own as a beginner is more like gambling than investing.
10. Real estate.
There is one stereotype among people: “ The most reliable investment of money is the purchase of real estate". But do not forget that real estate includes not only apartments, but also various buildings, structures, water bodies, forests, etc.
In general, there is some truth in this, because many people want to save up for an extra apartment by old age in order to rent it out and get a good pension increase. And in which case you can sell it and get a good capital.
You can invest in residential or commercial real estate, under construction or already built, suburban or located within the city. Ease of investment also depends on the choice of the type of real estate.
To invest in residential real estate, you will need to contact a realtor, look for suitable options, draw up a lot of documents and, possibly, make repairs. As for me, the procedure is quite dreary.
If you decide to buy commercial real estate, then the hassle becomes much greater. You will need to keep accounts, pay taxes, manage facilities, re-register energy supply. On average, for convenience, I would put 2 points.
As for profitability, you can receive no more than 1 percent per month from residential real estate with a long-term lease. This is 7-10% per year. The renting of residential facilities by the day turns into work and is not considered.
If you expect to sell it more expensive after a while, then it is far from a fact that prices will rise. In general, for profitability, I would bet 3 points.
Real estate, indeed, has a high reliability. Unless, of course, this is not an object under construction.
Even if real estate prices fall, you will continue to make a steady income from rent. For reliability, I put 9 points.
The entry threshold is high, even if it is a collective property purchase. The minimum investment amount starts from several hundred thousand rubles. I will put 2 points.
It often happens that in order to quickly sell real estate (especially commercial) you have to set a very low price. Sometimes objects cannot be sold for several months. I bet 3 points.
If we consider a long-term lease of residential real estate, then you will not have to spend much time on management. You will need to find tenants once and then collect money once a month. 8 points.
Pros and cons of this investment method:
Pros:
- Clear scheme of income generation.
Of course, here we will not talk about investing in creating a business from scratch, but about buying a ready-made company. Starting a business from scratch is hard work with unpredictable results. An investor is interested in an established business with streamlined processes that brings a stable income.
In order to find a company to buy, you can use newspapers or bulletin boards. But most often, the entrepreneur does not talk about the sale of his offspring, so as not to raise doubts among employees and customers.
Therefore, they prefer to contact broker companies that will sell their business. They also distribute information about the sale among friends and acquaintances.
Once you have found a suitable business, you will need to audit it to make sure that business processes are in order. This whole procedure for a beginner can turn into an insurmountable obstacle. 1 point for simplicity and clarity.
Super profitable businesses rarely sell, so you should count on average profitability. Of course, profitability strongly depends on the type of activity and the quality of management. I will put 6 points.
Many people think that entrepreneurs only sell unprofitable businesses. But actually it is not. The reason for the sale may be: an urgent need for money, disagreements between the owners, loss of interest, lack of time (especially if one entrepreneur has several types of business), etc.
The audit will help analyze the reliability, profitability and prospects of the business. Therefore, the chance of buying a loss-making asset is very small. I bet 7 points.
The entry threshold for this type of investment is relatively high. Yes, there are very small companies, but they cost far from a penny. Buying a profitable business with streamlined cost processes is similar to buying real estate.
Often people join groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I will put 2 points.
If you urgently need money, the company can be sold. If your business is unprofitable, then it will be difficult or almost impossible to sell it. A profitable business is easier to sell, but most often this procedure takes a lot of time. That's why 3 points.
If you manage the acquired company on your own, then turn from an investor into a businessman. Therefore, you will need to hire an executive director who will manage your business. But even in this case, you will have to control it and analyze the activities of the company.
Yes, and you will need to deal with the selection of a manager yourself. That's why 2 points.
Pros and cons of this investment method:
This way of investing money is similar to investing in a business, but with a simpler purchase and management procedure. Again, you do not need to create and promote a site. You can just buy a ready-made project.
The website itself is more of a tool than an asset. The real asset is the audience that visits this project every day. The site owner makes a profit by displaying ads, affiliate programs and other sources of monetization.
To buy a site, you can use the exchange. One of the most popular exchanges in Runet is Telderi.ru. In the list of sites for sale, you can see all the information on projects: audience size, profitability, development dynamics, payback period, etc.
The transaction is protected and follows the rules of the auction, where the site goes to the buyer who offered the highest price. For simplicity, you can put 4 points.
Usually normal sites are sold at a price equal to the income from it for 12 months. That is, if the project brings 20,000 rubles a month, then the fair price for it will be 240,000 rubles.
But in most cases, on such sites, monetization works far from 100%. Thus, after “twisting” monetization, it will be possible to recoup the contribution in 6-10 months. 7 points for profitability.
If the site is made with high quality and promoted only by "white" methods, then such a contribution can be called reliable. Of course, if you want the project to bring you profit for more than one year, then you need to carry out at least minimal work on it. But, for a year or two, the project will be enough without additional investments. 8 points for reliability.
In general, some sites are sold very cheaply. You can find it for 500 rubles. But such sites should not be of interest to the investor.
You can buy as one expensive and high-quality site, as well as several medium ones. Therefore, I do not advise you to start with too small amounts. I will put it at the threshold of entry 6 points.
If the project ceases to be of interest to you or you need money, then you can always sell it on the same exchange. For this I bet 4 points.
When buying a site that will bring you passive income, you can make a profit without doing it at all for a year or two. But, over time, without administration and updates, the project will lose its audience, bringing less and less income. I will put 4 points.
Pros and cons of this investment method:
Pros:
- Convenient investment amount for everyone.
- High investment security.
- You can develop the project, increasing profits.
Minuses:
- You need to have minimal knowledge about sites and how to monetize them, or seek help from an experienced specialist.
Output. Investing in content, information and other similar sites is one of the best ways to invest. This type of investment can easily be turned into a business by working on purchased sites and increasing profits.
Which method do you like the most?
Investments on the Internet have recently gained particular popularity, because Internet investing makes it possible, without leaving your home, without any extra effort to receive a passive stable income. At the same time, the size of this profit can reach very impressive sizes. Yes, that's how, sitting on the couch, you can earn a prosperous life. In this article, we will try to understand what online investing is and what its essence is.
One of the reasons why online investing is considered popular and in demand is the abundance of choice and a fairly high percentage, if we talk about more traditional methods. Not being tied to a place, independently choosing the number of projects and the amount of investments, enjoying life and earning income - all these are significant advantages of this type of investment. As a rule, to start working, you need to register online wallets and start choosing projects. And in order to bring this moment closer, as well as to explain the intricacies of the process - my new material.
Many people have heard about Internet investing, but sometimes they don’t even realize that various “forex”, “pamms”, “online projects” are real tools that allow you to earn money on investments. There is also that category of people who, with the global network on “you”, are skeptical about not only reliable investments on the Internet, but also the World Wide Web itself. So where to invest in the Internet to earn income?
In this article, we will deliberately not talk about HYIPs, mutual funds and other funds - this is material for a separate article. Let's talk about those types of earnings on investments that fit well within the framework of the law and carry minimal risk. Internet investments - investing in various Internet projects, which after a certain period of time should generate income. If we talk about the areas of such investment, then these can be a variety of areas, which we will describe in more detail below.
There is no such person who would not dream of big money without much effort. Internet investing is just the path of human activity that allows you not only to receive funds, but also to enjoy the process, because in order to receive income there is no need to attend work and obey your boss - money will make money itself, without distracting you from the process of enjoying life .
Money without much effort is available to anyone who owns a PC and is connected to the global network and has at least a little knowledge of investing on the Internet, moreover, there are many ways to invest money profitably with the prospect of a good income.
In addition, online investments have other key features that distinguish them from any other income and from investing "on the ground". If traditionally we are accustomed to presenting under the common noun "investor" a business person who owns millions of capitals, then absolutely everyone can afford investments on the Internet from 100 rubles. Of course, millions are also turned here - the larger the amount, the greater the income, but even minimal amounts open up great prospects for investors.
Among the distinguishing features of online investments, it can be noted that they are associated with a certain risk. If, by investing in real life, we receive at least some guarantees in the form of official documents, then online investing often does not involve any formalities. At the same time, it is worth noting that there are also low-risk investments on the Internet that allow you to earn money without putting your money at risk.
Starting any business can be quite difficult (how to start investing in your business). A beginner who does not know the basic nuances of investing on the Internet, does not know about the pitfalls and investment strategies, can sometimes become a victim of his own ignorance and lose his capital. We will try to shed light on how to start investing on the Internet, what you need to know and what to be prepared for.
Budget allocation
Inspired by the fact that investing on the Internet brings a lot of income from large investments, do not rush to invest your entire salary in any online project. You should not rush to borrow and take loans - you can invest only free funds. What do we mean by "free money"?
These are the funds that completely belong to you (not to the bank and not to the neighbor), and which do not represent a vital necessity for you. That is, all your income should be divided into three categories:
- The main part is the spending money that you use to buy food, clothes, medicines, pay bills;
- The funded part - or simply "stash", the funds that you save for a "rainy day" / car / real estate;
- The investment part is free money that can be involved in the process of making money, that is, to invest.
At the same time, keep in mind that there is always a risk of losing the money invested when investing online, so in order to avoid strong heart shocks, try to disengage from your own money and say goodbye to them. Successful investing in this case will be a pleasant bonus for you, and failure will not bring deep disappointment.
Before you rush into battle and start investing on the Internet, you need to decide and realize for yourself why you want to invest. The object of investment you need, the terms of the investment and the methods that will be used directly depend on this. After all, if you set yourself the goal of cutting down a certain amount and go the distance, then long-term investment projects are completely irrelevant for you.
On the other hand, an investor who is ready to get serious about investing and wants to devote most of his time to it has absolutely no reason to go into short-term projects if he can get more significant profits in a grander and longer-term project.
Another thing follows from the goal of investing: if you are not in a hurry, you can give preference to less risky types of investment, and slowly but surely move forward. At the same time, the timing of the exit from projects, that is, the termination of investment, depends entirely on the originally set goal - someone will collect the cream and forget about the investment object, and an experienced investor will be able to think about longer-term prospects that can bring super profits.
Registration of electronic wallets for working on the Internet
Investing on the Internet differs from the real one in that all financial transactions are carried out in a non-cash form, through electronic payment systems. Therefore, an online investor is required to have wallets, if not in all payment services, then at least register in a few of the most common ones.
EPS electronic wallets will give you a lot of advantages and make the investment process pleasant and comfortable, and you can spend the money received directly from the electronic wallet when making online purchases, or withdraw profits to special cards issued by the payment system and operating almost all over the world. In addition, today there are a huge number of exchangers that will allow you to withdraw money to a card of any bank in a matter of seconds.
Create additional emails
Take into account the fact that, having embarked on the path of online investing, you will definitely have to have an email, moreover, this is far from the lot of progressive representatives of society, but an urgent need for every active person who wants to be informed.
But be prepared for the fact that an online investor will have to create several additional mailboxes, because after registering in many projects and communicating in an investor environment, your mail may be inundated with spam. It's best to have personal mail, business mail for important correspondence, and one account for various garbage, the address of which you will indicate in various dubious places.
The main question, the answer to which we saved for dessert, is where you can still invest on the Internet. We note right away that there are a huge number of investment objects, but we will tell you about the most popular, profitable and best investments.
Forex
Only the deaf have not heard about Forex, because this direction has both good promotion and mass popularity. The market for interbank currency trading allows you to increase your initial capital well, but it implies significant investor enthusiasm for the process and at least minimal knowledge in this matter. On the other hand, Forex is a powerful investment tool that was previously available only to large banks, and today any PC user with an Internet connection can become a trader.
Investing in precious metals
Gold is always rising in price, which is due to its limited amount in nature and increased demand. But in order to make money on it, it is not at all necessary to buy gold bars - it is enough to open an impersonal metal account. You simply transfer a certain amount to a bank account and this financial institution will purchase precious metals for the amount provided. When you decide to return the money and close the bank deposit, the bank will sell your gold reserves, and you will receive your capital plus the difference between the purchase and sale price.
Online store
A large number of online stores open daily, but not all of them have money for their promotion. You can act as an investor in such a project - just find a promising trading site that is interested in working with an investor. This type of investment involves more voluminous amounts of cash injections than 100 rubles, but you can also get quite significant income from an online store. At the same time, you need to be extremely careful that your sponsorship fee is not stolen, leaving you with a nose.
Online investing in startups
There are a lot of interesting ideas floating around on the Internet for something new and unusual, which can bring good money in the long run. Therefore, investing in startups is one of the most popular areas today, which can bring good profits to the investor. Most often, investing in startups is an investment in Internet technology, but these can be ideas from a wide variety of fields.
There are two disadvantages for a novice investor, which lead to the idea that it is better to fill the bumps in another type of investment: as a rule, a rather large amount of money is needed to bring the project to life, and besides this, startups that are not sufficiently developed and presented to consumers turn into unprofitable idea that did not find its embodiment.
Online investing is a promising direction of making money on the Internet, which can give the investor a good income with minimal involvement in the process. At the same time, even a beginner, without any knowledge and large capital, is able to become an investor and achieve success and material well-being in this field.
Financial instruments for online investment:
| # | Yield opportunity | Note |
|---|---|---|
| Forex | from 20% | Minimum market knowledge required |
| Precious metals | Depends on the type of deposit | Minimal risks (taxed) |
| Internet shop | Depends on the contract | Risks depend on the choice of store profile |
| Startups |
Depends on the idea | The risks are medium, it is necessary to take into account the demand in the market |
Hello, dear readers of the blog site. Mogish Ivan is in touch and today I have the honor to tell you about, which today are the best of the best.
That is, if you are engaged in investments and you are interested to know where others are investing now, you have come to the right place. Especially for you, I have selected our TOP3 Internet projects that work stably and are guaranteed to withdraw accumulated funds (I will attach screenshots). So I can guarantee that with our rating of projects you will be able to increase your money capital at times.
So let's get started...
The best investment projects on the Internet 2018
| Name | Description | Deposit bonus |
|---|---|---|
| Jazz Beat | Very well prepared project with interesting features. At the helm is a strong administration with extensive experience. Optimal Plan:
More information you will findhere. | 7% order |
| A new fast project with a line of plans for 20 days and a yield of 7% per day. Optimal Plan:
More information you will findhere. | 5% order | |
| Refund Me | A new dynamic project with plans for 20-39 days and a yield of 1.6-4% per day. Optimal Plan:
More information you will findhere. | 10% order |
| Icowith | A high-quality, medium-income HYIP project that works on Telegram-bot and brings a profit of 3% per day for a period of 90 days. Optimal Plan:
More information you will findhere. | 9% order |
Do not know how to quickly monitor the situation of investment projects? Then we recommend that you pay attention to the blog, which analyzes HYIP projects without bias and as objectively as possible. The blog has long earned a positive reputation and credibility among investors in the Runet. And also the administration pays refbacks and TOPovo insures the deposits of its partners.
Let's summarize
What do you want to say in the end? Yes, a lot. But I will be brief. The above projects are currently the best in our opinion. They have proven themselves only from the best side. We have never had any problems with payouts and performance here. Everything works like clockwork. Pah, pah, so as not to jinx it. Therefore, you can completely trust them with your funds. Income will definitely not bypass you here. And I draw your attention to the bonus from the contribution! Don't forget to order it! Remember, with it you will quickly break even and at the end of the deposit term, your profit will increase significantly.
In addition… I draw your attention to such investments as PAMM accounts. A very good option is to make money on Forex while not delving into its training. Who does not understand what is at stake, then go to. There I laid everything out on the shelves. The information will definitely help you.
Let me just say that we have invested $500 here and we already have the first income.
Well, that's all friends. I hope that I answered all your questions and now you know about the top three investment projects,.
Thank you all for your attention. See you soon on the blog pages site
Sincerely, Mogish Ivan
I have been engaged in this activity since 2012, and it is online investments, i.e. available via the Internet with a digital electronic method of monetary circulation. Why - it's faster and easier to find information and manage money! In terms of reliability, some investment projects on the Internet are not inferior to traditional ones. The most difficult thing is to find a suitable, worthy of attention, proposal in this area. What I try to do both for myself and blog readers. The review did not include questionable investment online funds, hyip and money pyramids.
In this review, I suggest that you familiarize yourself with a number of projects that are worth investing in. I only post trusted ones here. investment projects on the Internet 2016-2019, in which I invested myself or plan to do so in the future. We will analyze each of them, pay attention to possible risks, total profitability, financial instruments and scope of activity.
Reliable investment projects on the Internet
The list is periodically updated, depending on the new information received. Companies of different directions are represented: online investment funds, cloud mining services, startups, lending etc. I think everyone will be able to find something that is more in line with their idea of the scale of the project, scope of activities, investment conditions.
Investment and trading platform E-toro
E-Toro is a large international licensed broker that brings investors and traders together through a social component. Regulated by CySec (Cyprus), FCA (UK), AFSL (Australia). eToro UK and Europe platform services are MiFID compliant. Partnerships have been concluded with Sberbank. For Russian clients, the interface has been completely translated into Russian.
Here you can both trade various assets (stocks, commodities, indices, currencies, crypto-coins), and invest money using the system of copying trades of traders. There are also ready-made briefcases with min. a contribution of $2000. Thanks to the interface made similar to social networks, the process of copying is simple and clear even for a beginner. You fill out your profile in your personal account, go through identity verification and select traders to copy. There are no commissions for social trading. Here you can see not only the trading history and open trades of the trader, but also his profile with messages. It is also worth noting that any position of the copied trader can be closed at any time.
For me, this is the best investment project on the Internet in terms of reliability and risk/reward ratio. I advise everyone, my profile on etoro: Yaroslav4400.
- Investments from $200
- Term - unlimited
- Profit is not limited
Arbitraging - investing in cryptocurrency
This is an organization whose activities began with an ICO, where a private investor could invest in the creation and development of a product. As a result, investors' expectations were justified, working software was created. At the beginning, the developers launched the automatic arbitrage bot abot, and recently added a manual mbot. For the operation of the project, the ARB token was issued based on the Ethereum cryptocurrency.
According to the project team, the automated arbitrage bot makes trades on several exchanges. The deposit for trading is the company's own funds and investors' contributions. Those. when investing through the site, your funds are transferred to the exchange accounts of the service. You do not need to register and connect to exchanges via api, as in other robots. To receive income, you only need to deposit funds on the company's ethereum wallet. Buy an ico token on the internal exchange and send it to work. All this is done through a personal account.
- The amount of investment - from $ 250
- Term - unlimited
- Profitability from 20% per month
AMARKETS and investment in RoboX
This is an investment project on the Internet from the broker Amarkets. The RoboX service is designed specifically to make the work of traders and investors less time-consuming and more profitable. A distinctive feature of the service and its main function is that it analyzes hundreds of trading algorithms written by professional algorithmic traders, selects several optimal strategies and forms individual portfolios from them. In fact, you just have to choose the most suitable one.
The RoboX service is one of the best developments in algorithmic trading today. It automates routine actions, allowing you to eliminate the influence of emotions on the result of trading. With it, your investments are under the effective control of a "smart" robot, which increases profitable trades and reduces losing ones during the trading session.
- The amount of investment - from $ 100
- Term - unlimited
- Profitability: from 100% per annum
People Group is an investment project of online shares
People Group is another interactive advertising service. It is a simpler and more accessible analogue of such publishers of interactive advertising as Yandex.Direct, Google Adsense, Runner. Founded on 01.30.2012, certified in webmoney (Capitaller certificate dated April 26, 2012). Offers its customers all the benefits of an integrated approach using advanced interactive advertising technologies that allow you to achieve your goal in the shortest way. In other words, the system serves the interests of both advertisers and webmasters. The former buy advertising, the latter place it on the pages of their sites, receiving a reward for this from the people-group advertising network.
The financial instrument is own shares issued in the amount of 1 million. You can buy them directly on the site. Purchase and sale operations are carried out in real time through the client's personal account. People Group guarantees the repurchase of your shares. They can also be sold to other investors at a better price. The growth of shares can be monitored directly on the site, displayed in the form of interactive charts with an hourly / daily interval.
- Deposit amount – from $0.1 per share
- Term - unlimited
- Profitability: 20-45% per annum
- Off.site: people-group.su
What is online investment and how to make money on investing? How to invest online with low risk? What Internet projects can increase your earnings?
Hello dear friends! Denis Kuderin, an investment specialist, is in touch.
Our new topic is profitable and reliable investments in the Internet. The material will be useful to anyone who wants to make money using the most relevant investment instruments today.
More and more people are investing in promising online projects and multiplying their income many times over without even leaving their homes.
Do you want to join their number? Then - go ahead!
1. Features of investing on the Internet
The Internet is a space of endless possibilities for enterprising, thinking and energetic people. On the Internet, you can not only have fun, communicate and receive information. Here you can earn and earn a lot.
Do you want the World Wide Web to become the source of your financial independence? Then invest your money online in promising investment instruments.
Having made competent investments, you will receive passive income - all reasonable people strive for this type of income. Money can be put into circulation and its quantity increased: as a result of such a maneuver, you will gain financial independence and freedom from hard hired work.
Competent investments in the Internet are:
- earnings that do not depend on labor costs;
- confidence in the future;
- free time for life and implementation of their plans.
Time is the main asset of a person. If you do not have time for yourself, then life is wasted. Do you want to travel, communicate with your family, create, relax, improve yourself?
Then make sure that your income depends as little as possible on the man-hours spent on earnings. If you are not a rich heir, then investing is the most affordable and effective way to create passive income.
The main condition for success is the correct (I would even say academic) approach to the investment process. You can not invest money "at random".
To create passive income tomorrow, you need to actively work today. All financial transactions must be thoughtful, calculated and as safe as possible.
Although the risk remains in any case - such is the specificity of any transactions with money, including bank deposits.
Read more about the mechanisms and principles of investing in the article "".
2. How to start investing on the Internet - 5 requirements for a novice investor
The main goal of a novice investor is to achieve financial freedom with the least material (and moral) losses. Making profitable investments requires some preparation.
The point is not even the availability of a sufficient amount for investment: basic knowledge and skills are needed. The network is full of scammers and scammers who are ready to profit from other people's money. You need to be able to recognize deception and bypass such offers a mile away.
In addition, not all investment areas are suitable for beginners - some of them require certain experience in the financial sector.
And now - the basic requirements for novice investors.
Requirement 1. Availability of Internet access
The first condition for successful financial transactions is the availability of a stable and, if possible, fast Internet. It was possible not to talk about this requirement, but the fate of your money often depends on the quality of communication and its constancy.
In addition to the Internet itself, investors actively use electronic payment systems, as well as any other reliable methods of money transfers on the network. And remember that any unsecured account poses a threat to your finances.
Requirement 2. Basic economic knowledge
Investing without basic economic training is like diving into water without knowing how to swim. You should not invest in the first project that comes across without having studied the basics of competent investment.
Engage in self-education. It will take a little time, but you will understand the principles and mechanisms of profitable investments.
Start with thematic blogs and forums, then move on to reading specialized literature. There are a lot of useful books written in an accessible language that will help you figure out what's what within a week or two.
Requirement 3. Stress resistance
The right mental attitude and stress resistance are essential qualities of a successful investor.
It is extremely difficult for a normal person to part with their money and not experience anxiety about this. But it is necessary that this anxiety does not prevent you from making sober and balanced decisions.
And be prepared for the fact that investments are not momentary profits. You should set yourself up for a long-term wait. Real results will appear only in a few months, or even years. The longer the investment period, the higher the income.
Requirement 4. Readiness for financial losses
Financial risk management is a complex task. Any newcomer can lose some money, this is an inevitable side effect of the investment process.
Remember: luck is not permanent. Even experienced investors face financial losses. The main thing is not to lose your cool in such situations and make any decisions only after a comprehensive analysis.
Requirement 5. Objectivity
This refers to a sober assessment of their capabilities. It is impossible to make a profit in excess of what a particular financial instrument can give.
Determine in advance for yourself the timing and goals of investing, and only after that begin a gradual, measured movement forward.
3. Where to invest online - the most reliable options
Let's move on to practice. I bring to the attention of readers the most reliable directions for investing funds via the Internet.
Some options have been tested in our own practice, others are included in the review based on the recommendations of professional experts.
Option 1. Forex
Everyone has heard the word "Forex", but few understand how this investment tool works.
In a nutshell, Forex is an international currency market (exchange). Anyone who has the time, money and desire can earn on the difference in exchange rates. The potential income from trading is not limited. You can get from 25% to 50% per annum and more.
The safest and most affordable way to work on Forex for neophytes is to use brokers. The most reliable forex brokers Alpari, InstaForex, AlfaForex.
If you want details about this type of passive income, read the article in our magazine "".
Option 2. PAMM accounts
The abbreviation PAMM comes from the English phrase Percent Allocation Management Module, which means “percentage allocation management module”. It sounds complicated, but if you explain it, everything will fall into place.
A PAMM account is a mechanism that allows you to transfer money accounts to trust management for conducting profitable transactions in financial markets. That is, you give your money into the hands of professionals, they are engaged in their multiplication for a certain fee.
One option is to transfer funds for trading on the Forex market mentioned above. Money is also invested in stock markets and other profitable areas. Your task is to correctly choose an intermediary and wait until profits from successful financial transactions begin to “drop” into your accounts.
The best projects that offer hundreds of verified PAMM accounts include the company. Take a look at the site - in the "investment" section provides comprehensive information and a list of accounts for investing money.
Read also on the site a detailed article about.
Option 3. Investing in precious metals through compulsory medical insurance
Gold and other precious metals (silver, platinum, palladium) can also be purchased virtually. An Impersonal Metal Account (OMA) is tax-free and guarantees a reliable income, since the price of precious metals always rises over time.
The essence of such an operation is as follows: the client opens a bank account, which contains a certain amount of gold (or other metal) in cash. The account is opened for a year and extended at your request.
Profitability depends on changes in prices for precious metals in the domestic and international markets. Long-term investments in gold in the form of OMS almost guarantee capital multiplication. Precious metals rarely fall in price.
Example
Over the past 5 years, the cost of 1 g of gold has increased by 25%, silver - by 26%. Characteristically, the economic crisis does not reduce the cost of metals, but vice versa.
Specialists advise investors from Russia to use the services of one of the 2 companies specializing in working with compulsory medical insurance.
is a brand known on the Russian market since 1996. A huge range of investment products, including investments in gold, the best trading and exchange platforms. All customer deposits are insured without fail.
The company has access to Russian and world markets, provides information and analytical support to investors, guarantees complete transparency of financial transactions and provides reports on deposits at any time.
SotsAgroFinance- production and financial organization. The profile of the company is investments in precious metals and the gold mining industry. The firm offers investors deposits with a fixed rate of annual return.
It develops its own highly profitable projects, attracting investors' money to real production industries. A young but promising player in the financial market of the Russian Federation.
Option 4.
The word "HYIP" comes from the English abbreviation HYIP: High Yield Investment Program - a highly profitable investment program. These are projects with a high risk ratio, but promising their investors attractive net profit percentages.
Many consider pure HYIPs to be a scam, but this does not prevent thousands of investors from getting real profits from their investments. The main thing is to choose from hundreds of different projects the most open company with a transparent mechanism for the turnover of funds received.
The life of the HYIP is limited, and the most honest companies directly declare this immediately after they start working on the network.
A few tips for those who want to get rich quickly and for a large amount:
- invest in HYIPs at the initial stage of their existence;
- do not invest all free money in one project, divide it into at least three parts;
- withdraw profit in portions;
- carefully study the principles of the company's work.
Making money on HYIPs is quite realistic, the main thing is to play by certain rules.
Option 5. Microloans
Microcredit is a popular financial service used by thousands of people every day. However, MFIs need capital to satisfy the appetites of borrowers, otherwise their income will decline.
Therefore, companies of this type offer everyone who wants to open a deposit and receive interest for using their funds as a current asset. The interest here is higher than in the bank, but the risks are quite high.
Option 6. Online shopping
Today, you can trade anything on the Internet - goods, services, websites, intellectual and information products.
Many owners of online sites do not have enough funds to promote and promote their resource. Such people (or companies) raise funds from investors in order to launch their product and receive trading income from it. The owners pay good interest to their investors.
There is a separate article on the topic on the site.
For clarity, we present the popular financial instruments in the form of a table:
№ Investment options Estimated return Peculiarities 1 Forex 20% to 50% Basic market knowledge required 2 PAMM accounts From 20% You need a smart approach to choosing an account 3 Impersonal metal accounts Depends on the type of deposit Reliability, low risks 4 From 15% to 30% and above Are risky investments 5 Microloans From 15-20% and above High income in a short time 6 Online shopping Determined within the framework of an individual contract What matters is the profile of the company and the current situation on the market 4. 6 main mistakes of a novice Internet investor
We list the main mistakes of novice investors. By knowing how NOT to act, you will reduce the risk of losing capital and save your own nerves along the way.
Mistake 1. Investing large sums in one project
Popular wisdom says - do not put all your eggs in one basket. With regard to investments, this is especially true: the division of savings in several directions reduces financial risks by an order of magnitude.
Mistake 2. Negligent attitude to security
Forgetting about security, beginners risk not only profit, but also the capital itself. Account hacks with a low level of reliability are very common.
In addition, insurance will help protect your deposits, which is often offered to clients by investment companies themselves.
Mistake 3. Greed
Greed in financial matters has never done anyone any good. Do not strive for maximum profit immediately, be patient, reasonable and consistent.
For a novice investor, the main thing is not to get everything at once, but to understand the mechanisms and prospects of investment areas. Experience and knowledge are investments with the highest return on investment.
Mistake 4. Investing in untested projects
Everything is clear here - you cannot invest in a project about which you do not have reliable information.
No matter how attractive the investment conditions may seem to you, you need to spend time checking a partner. Evaluate the level of site security, read online reviews, check licenses and certificates, and only then transfer your money to your accounts.
Mistake 5. Desire to withdraw a large amount at once
Not all projects (this is especially true for HYIPs) are enthusiastic about the withdrawal of large sums of money by clients. It is better to withdraw deposits from the accounts of high-risk companies in installments, at regular intervals.
Mistake 6. Lack of investment strategy
Without a strategic plan, investing is like a roller coaster. The falls are more painful than the rises. A well-thought-out strategy is driving on a flat freeway: minimum risk, maximum reliability.
There are common myths that prevent contributors from starting their projects. Fears and stereotypes prevent a sober view of investing and do not allow a reasonable assessment of personal financial prospects.
Myth 1. Investing is available only to the rich.
Perhaps, 100 years ago, only the owners of solid fortunes could really receive passive income. Nowadays, investing can be done with the most modest savings. You just need to correctly approach the issue of redistribution of funds.
