The problem of preserving and multiplying own finances in the conditions of unstable russian economy It is very acute. Despite the presence of many different options for investing in the market, choose the optimal method is quite difficult. However, there are a few simple rules, following which will help to competently invest great amount Money or serious financial resources in 2018 safely and with maximum benefits.
Rules of investment
Before answering the question, which is most profitable and reliably invest free money today, it is necessary to list several recommendations of experienced investors. Their execution will allow to avoid unnecessary risks and ensure the safety of money. The most important advice of financial market professionals look like this:
- Do not invest late. Investing is almost always a long process. Therefore, you must first create a financial pillow capable of providing an investor and its family within a minimum, 5-6 months.
Council. A bank deposit can be a bank deposit as a financial pillow, since it is rather not an investment, but a savings tool.
- Do not fold eggs in one basket. The term is economic theory "Diversification" as it is impossible to suitable as one of the main principles of any investment.
- Carefully learn risks. An important investor rule is not to overestimate the profit value, especially declared, and always consider it in combination with reliability.
- Cooperate with other investors. Large attachments are able to bring more serious profits. Another important plus of similar associations is the division of responsibility, which reduces the risk of each individual participant.
- Strive for the creation of passive income. The optimal option is to ensure your own life only at the expense of this source of financial resources.
- Invest in education. Often the best investment is not buying an apartment, a car or another product, but an investment and development of your own potential.
Definition. Under passive income is understood as the income of a person who does not depend on its daily activities. Typical examples are interest on deposits, dividends on shares or from their own business, copyright, in some cases rent.
Of course, competent investment is a complex and multifaceted process, which is difficult to implement, guided only by the 5th Councils described above from experts. However, their observance will allow competently to invest money in order to receive a stable monthly incomewithout risking at the same time to lose investments.
Bank deposits
The easiest and most common way to save money. Its main feature performs a combination of low yield and minimum risks. Now in Russia banks are ready to discover deposits on average under 5-8% per annum, which is difficult to call a serious earnings even in low inflation.
The main advantages of the decision to invest in interest in the bank are:
- Low risk. Although you should not forget the numerous cases of recalling licenses of banks that have occurred in 2016-2017;
- Liquidity. Money from the deposit can always be removed, even if you lose interest;
- A variety of deposits offered, both in profitability and time. Investor can invest money for a short time, for six months, year or several years;
- Minimum entry threshold. As a rule, the contribution can be opened, having only 1 thousand rubles on the hands;
- The possibility of opening a contribution to both rubles and in currency, for example, in dollars or euros;
- A simple and understandable investment mechanism.
Among the disadvantages of investment by opening a deposit account, low interest can be distinguished and their loss with premature deregulation. As a result, the bank deposit can be considered an effective tool for preserving funds, but it does not allow the number of financial resources. The most attractive embodiments are large state banks, for example, Sberbank, Rosselkhozbank, VTB, or banks with foreign participation, in particular, Raiffeisenbank or Rosbank.
Attachments in Fiffius
Funny investment funds are a form of collective investment. The mechanism of work of the FIF is simple enough - it collects money from private investors and carries out investment in the stock market. The estimated effectiveness of investments is assessed by the specialists of the FIF. The main advantages of this type of investment are:
- Minimum entry threshold. Usually its value is 1 thousand rubles, as in the case of a bank deposit;
- Higher than in the bank, the income percentage;
- The use of a variety of stock market mechanisms, including options, futures, shares and bonds;
- Additional income in the form of dividends on securities;
- The participation of the investor in the formation of the investment portfolio.
The argument in favor of a negative answer to the question is whether it is worth participating in investments in mutual investments include:
- Relatively difficult, compared with the bank deposit, the investment procedure;
- Higher risk of investments that makes losses;
- The need for professional knowledge in case of its own participation in the formation and management of the investment portfolio.
Today, the leaders in terms of the volume of funds attracted funds of individuals are funds formed in the largest Russian banks. These include "Sberbank - the Fund of promising bonds", "Alfa-Capital Bonds Plus", "Raiffeisen - Bonds", "VTB - Treasury Foundation", etc.
Forex and PAMM accounts
Forex is a global currency market designed to exchange and convert by almost all existing currencies. An important feature of this type of investment is the possibility of both the independent participation of the investor in the bargains carried out and the selection of the manager trader, which opens a special PAMM account for accumulating the depositors' funds.
The advantages of investing financial resources in Forex are as follows:
- The relatively available threshold of entry, which is usually equal to the cash equivalent of $ 100;
- The possibility of obtaining high yields;
- Making financial transactions on the Internet online;
- A large number of diverse financial instruments. As an example, one can lead trading carried out using various cryptocurrency.
Important. Trade in the Forex market is an eloquent confirmation of the rule - the higher the possible yield, the higher the potential risks.
The main disadvantage of investments in Forex is the potential to the risk of such investments. In addition, independent participation in the auction requires the availability of special knowledge of the financial market, without which the probability of fund loss increases even more.
It is quite difficult to explain to a non-specialist or the so-called "teapot" principles of the work of the Forex or the features of investing in the securities market. However, for any person, whether it is a student or a pensioner, the mechanism of investment in precious metals is understood, for example, gold.
Today, many banks offer this opportunity. Especially popular is the offer of Sberbank to open the so-called impersonal metallic account. This financial instrument is an account containing information on the number of gold or other valuable metal belonging to the depositor.
The advantages of investing in precious metals are as follows:
- Guaranteed preservation of invested funds, especially during periods of various financial crises, when other financial instruments are much less reliable;
- Understandable investment mechanism;
- The possibility of replenishment;
- High liquidity.
The main disadvantage of investments in metals is the unpredictability of prices in the market. As a result, yield can be as 50% literally in a couple of months and remain zero.
Real estate or construction
The classic embodiment for those who seek to invest money so that they work and create a passive income. Acquisition of real estate, residential or commercial, followed by a lease to be a popular financial instrument capable of not only to preserve, but also increase the funds of the investor. The most significant advantages of investment in real estate include:
- Obtaining passive income by passing housing or rental offices;
- Gradual increase in the price of the asset;
- Ability to use as collateral or to organize your own business.
A serious lack of investment in existing real estate, new building land plot is a high entry threshold. Even the smallest apartment will cost several hundred thousand rubles. Two more important minuses are the low liquidity of the asset, for the implementation of which the time is required at a good price, as well as the need for periodic repairs.
Shares and securities
The acquisition of shares and other types of securities in the stock market is a fairly effective investment option. However, a profile education or attraction of specialists in the person of financial brokers is necessary for stable profits.
One of the widespread investment options in the stock market was described above in the PIF section. These organizations are essentially financial brokers serving at once a large number of customers. The pros and cons of these attachment methods are also generally identical.
Mining and cryptovaluta
Serious popularity in the last 3-4 years acquired numerous cryptocurrency. Their purchase and mining is considered quite a real way to invest in making money to make money both at an ever-growing price and the production of new bitcoins or other less well-known types of virtual coins.
Today, such a way of investing as ICO is extremely demanded. It is the attraction of financial resources required to launch new cryptocurrency. Income from investment depends on the success of the project being launched.
The main disadvantage of this investment option is the high risk of such investments. The markets cryptocurrencies have serious volatility, that is, very unstable. Therefore, large profits can turn into no less significant losses in the days.
Own business
Creating your own business is also accompanied by a high degree of risk. However, in this case, the investor independently affects all occurring processes and can largely manage them.
The main advantages of the organization of their enterprise in the form of LLC or IP is the opportunity to engage in favorite business, earning. Among the pleasant bonuses - attracting seinvestors and borrowed capital, which often allows you to get an additional income. The lack of developing its own startup is the high risk and low liquidity of most assets.
Microfinance organizations
Today, the MFO market is much more organized and ordered than 2-3 years ago. This is explained by the tightening of control by the Central Bank. As a result, the number of microfinance organizations has declined sharply, and the remaining companies are quite an interesting option for investments.
The main advantage of investing in MFIs is a higher profitability, several times greater than the usual bank interest. The revolving side of such serious benefits is the riskiness of such contributions. As insurance against the loss of funds, it is recommended to apply only to large MFIs, long and successfully operating in the market.
Passive earnings - what many people dream about the age, place of residence and other factors.
One of the most famous and reliable ways to obtain passive income are deposits, but not everyone knows what to do to implement such a dream.
We often ask us how to invest money in 2019 to earn money, so we have prepared material for you with a detailed consideration of various investment options.
You will also learn about where you should not invest your money, whatever they would not lose!
Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you.
You will learn:
- What are the investment options, what kind of profitability and which one to choose?
- Where can I find money online?
- How to invest money in order not to turn around?
- And also about where it is better not to invest your money!
Investments: where to invest money
The first thing you need to know before investing your money is somewhere - this is what you only need to invest your free cash! In no case invest money in which you are sharply needed and the more do not climb into debts, loans and loans.
Absolute guarantee that you will enhance nobody nobody gives! There is always a risk of loss of money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).
It is always necessary to remember this, because the investment as a profit and losses can bring!
Secondly, before investing their money somewhere, it is necessary to actually appreciate what risks exist and what kind of yield can be obtained from one or another investment.
Usually the risk is proportional to income, i.e. The higher the yield, the higher the risks and vice versa. But this rule does not always work.
In order for you to decide for yourself, it is necessary or not to invest in a particular investment option, each of them we will analyze on the basis of the following key parameters:
- yield
- risk,
- payback period,
- minimum investment amount.
Thirdly, to reduce the risks, it will be logical to diversify your investments, i.e. Distribute the entire amount of investment on the part depending on the risk and insert into different assets.
For example, you can distribute this:
- conservative portfolio (bonds, real estate, precious metals ...) - 50% of all means;
- moderate portfolio (impacts, stocks, business projects ...) - 30% of all means;
- aggressive portfolio (currency market, cryptocurrency ...) - 20% of all means.
It is not necessary to invest all the money only in the tools with a very high yield, as in this case and the risk of losing your money will also be very high!
Investments are primarily risk management! First of all, you need to take care of not losing money. Profit is the second thing.
Yes, and if you still have little or not yet yet experience in investing, then start investment with minimal amounts and avoid high-range assets.
Where to invest money in 2019 to earn
Bank deposits / cumulative accounts
Bank deposit is the easiest and most accessible embedding for all - these are conventional bank deposits (deposits). In Russia, the annual interest rate on them averages from 6% to 8%.
In recent years, deposit rates are steadily falling down and will likely continue to fall in the future.
With the distribution of bank debit cards, there was still such subspecies such as accumulative accounts (goals).
On the one hand, they are very convenient, since at any moment you can withdraw money and not lose at the interest rate. But on the other hand, interest accrued on such accounts is usually very small (2-6% per annum).
If we take into account real inflation in the country, which in the year of Russia is about 10% (official about 4%), then investing money in banks becomes and not at all meaningless things - as you will succeed at best save your money, and not to increase them!
In addition, recently the Central Bank actively recalls the license from the "second-rate" banks, which are mainly offering high interest on deposits. And if you invest more than 1.4 million rubles in such banks, then there is still a chance to stay without money.
Therefore, if you have been invested over 1.4 million, then only in banks with the highest rating. For example, reliable banks with a state of state (but usually with a low interest rate).
- Sberbank
- VTB 24
- Gazprombank
- Rosselkhozbank
Small amounts are convenient and more profitable to keep in Tinkoff Bank, Alfa-Bank or Rocket Bank (division of the Bank "Opening) - interest on the residue + there is a small cachex (1-5% of purchases).
You can also consider contributions in foreign currency, but now rates on deposits in most developed countries (Europe, the USA, Japan ...) are minimal or negative.
Investing money in bank deposits is not the best way, despite the simplicity of this method and relatively high guarantees. Low interest rate almost all "eaten" inflation. Suitable only for saving money. There are other much more favorable options!
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| 6-8% per annum | minimum | 12-16 years old | from 10-30 thousand rubles |
| (⭐️ - Low) | (⭐️ - Low) | (⭐️ - very long) | (⭐️⭐️⭐️ - Low) |
| Pluses and ➖ Minuses: | |||
| (+
)
Investment / accounts are insured to 1.4 million rubles. Relatively high reliability. Minimum threshold for investment. | (+
)
Easy opening and passivity of income. Not taxed if the contribution rate is less than the rate of the Central Bank + 5%. | (—
)
Low interest rate commensurate with inflation in the country. | (—
)
There is a risk of losing money (over 1.4 million rubles in bankruptcy bankruptcy and / or revocation of the license. |
Investing in real estate
The real estate has always been in the price, even in the conditions of the crisis, its cost will not fall much! In addition, real estate, in contrast to many assets, is not subject to inflation!
Therefore, it is one of the most promising and reliable directions for money investment. The real estate has made a lot of people!
There are several basic ways to make money on investments in real estate. Below I will give specific examples!
Here is a way 2 ways:
First method - This is the purchase of real estate at the construction stage (pit) or without decoration. Here if it is necessary to protect yourself and insure the small 1-4.5% risks (for example, not passing on time, bankruptcy of the developer ...).
For example, you can buy a draft apartment in good area 1.5 million (6-12 months before housing). An additional approximately 300-500 thousand will go to the decoration in the apartment and repair. After the apartment is handed over, it can be sold about 2.5 million rubles.
As a result, with one small apartment you can help clean about 500 thousand rubles!
Second way - This is the purchase of apartments, houses, commercial real estate and renting them. This is especially profitable in major cities million painters and resort cities.
If we talk about apartments, it is one-room apartments for renting the most suitable.
Having bought a 1-room apartment in Sochi for 3 million rubles, it can be handed over in the summer season for 2-3 thousand rubles a day (on average about 50,000 rubles / month). During the rest of the time, it is possible to receive 20-30 thousand rubles at the expense of the lease.
Total, the annual yield from real estate is about 10-17%. And this is noticeably higher than bank deposits. It is very important that the real estate itself is growing in price and covers inflation!
Also mention that there is another way to make money on real estate - it is a sublease, i.e. You rent cheaper real estate for a long period (from 1 month) and rent it at a higher price. In this case, large investments are not required.
As for commercial real estate, it also enjoys great popularity. It may be for example various outlets, offices, warehouses and other different rooms.
Some simply redeem several outlets on the market in their city, pass them and get a permanent passive income - also an excellent option.
The real estate is really investing big money and all because it is really at the same time both profitable, and reliable asset worldwide!
Where to invest a million rubles to earn?
If you have such a question, then consider the real estate first!
The only minus perhaps is what more or less serious initial capital for investing is required. Although real estate yield is not super high, but there is an opportunity to receive a permanent monthly income with minimal risks.
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| 10-20% per annum + Real estate growth in price and resale income | minimum | 3-10 years old | from 500 thousand rubles |
| (⭐️⭐️ - average) | (⭐️ - Low) | (⭐️⭐️ - average) | (⭐️ - High) |
| Pluses and ➖ Minuses: | |||
| (+
)
A good average yield in combination with low risks. The ability to receive passive monthly income from rent. | (+
)
Good protection of attachments from inflation, as real estate is growing in price from year to year. When resale, you can get a major one-time income. | (—
)
Low liquidity of real estate and duration of registration. | (—
)
Initially high input threshold - it is desirable to have from 1 million rubles. |
Investments in stock
Shares are a more risky tool than deposits, real estate, bonds ..., but at the same time they allow you to get much greater profitability.
Although the shares are generally speculative, nevertheless, if we invest in stocks with the mind, then you can make it quite well to earn!
To receive income from the shares in the following ways:
- due to the growth of the value of shares on the stock exchange;
- by paying dividends.
When investing in stock it is necessary to follow a certain strategy and control the risks. As for me, one of the truly workers who, by the way, use professional investors (including the same banks) is a purchase with a highly growing trend after a small rollback of the price.
Even well-known investor Warren Buffett tries to buy "underestimated shares" of promising companies, i.e. Those whose shares have fallen for a short price.
You can, of course, use a credit shoulder, i.e. Trade on large sums rather than your initial capital, then the yield can be increased at times!
But at the same time, you do not need to forget about risks, as they also increase proportionally. Therefore, always act with the mind and control possible losses.
Another excellent strategy for "lazy" is an investment on a long term (from 3 months to several years). The bottom line is that you also choose the most promising promotions and invest money in them for a long time.
For these purposes, the so-called "Individual Investment Accounts" (IIS) will be suitable, which for example can be opened in Finams or BCS (and even in the same Sberbank).
In addition, if you investigate money for at least 3 years, you can get a deduction on personal income tax (13%), i.e., in fact, taxes from the income will not need to pay! Such preferential conditions were developed by the state to support and develop investment in the country.
But naturally there are many nuances that need to be considered when investing in stock. There are always risks and everywhere - you should not forget about them!
The biggest risk for shares (for those who put on their height) is a financial crisis! During the rest of the time, the shares are generally growing and showing good yield.
Also as an option, you can invest money in a group of shares, i.e. So-called indexes (they show the economic situation in the country), for example:
- RTS (50 largest companies in Russia),
- S & P500 (500 US largest companies),
- NASDAQ (100 high-tech US companies).
If you do not want to personally invest in investment, that is, the option to entrust money by professional manager. But this in detail I will cut down just below.
With competent management of the action, it is capable of bringing good yield, several times exceeding interest rate on bank deposits. But at the same time they relate to risky assets.
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| 20-100% per annum (change in stock price + dividends) | depends on the strategy | 1-5 years old | from 5-10 thousand rubles |
| (⭐️⭐️⭐️ - medium / high) | (⭐️⭐️ - medium) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - Low) |
| Pluses and ➖ Minuses: | |||
| (+
)
With minimal / moderate risks, it is possible to obtain a relatively high yield. | (+
)
High liquidity - at any time the action you can quickly sell and get money in your hands. Low input threshold. | (—
)
Knowledge requires. The uncontrolled risk and "flirting" with the market can lead to significant losses. | (—
)
In the event of the occurrence of the crisis, the shares may be seriously and in a short time to fall in price. |
Investments in bonds
On a number of bank deposits, bonds are considered one of the simple investment tools. But in contrast to bank deposits, the bond rate is significantly higher.
For those who do not know, the bond if it is simple, it is a debt. Only as borrowers can act as large companiesand state.
By the way, Sberbank and VTB24 recently began to sell national government bonds. If you invest money for 3 years, then you can average 8.5% per annum on them.
It's not a lot, but the rate is already exactly better than most available on this moment bank deposits. Moreover, further deposit rates can decrease.
You can also consider bonds of major reliable companies - the rates will be higher on them! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the period).
At the same time, large funds can be inserted into bonds, since the security of funds will be higher here than for example in bank deposits, where only 1.4 million rubles are insured.
We also note that there are bonds, the profitability of which can be tens and hundreds of interest. But such bonds have a low credit rating (they are called "garbage bonds"). Although they are able to bring quite high income, they are a very risky kind of investment.
Bonds as well as promotions can be bought through an individual investment account (IIS) without the need to pay for income tax (if they purchase them for a period of more than 3 years).
Bonds are suitable for those who strive to receive an average yield with a relatively high guarantee.
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 7% to 15% per annum (by risky from 30% to 100% and above) | depends on bonds (according to state - very low) | 7-12 years old | from 10 thousand rubles |
| (⭐️⭐️ - medium / low) | (⭐️ - Low) | (⭐️⭐️ - medium / low) | (⭐️⭐️⭐️ - Low) |
| Pluses and ➖ Minuses: | |||
| (+
)
Optimal yield in combination with low risks. At any time, you can sell bonds without losing income. | (+
)
| (—
)
Regardless not high yield compared with shares and some other assets. | (—
)
There is a risk of bankruptcy of the issuer (especially concerns bonds with a low rating). The lower the credit rating, the less trust in it. |
Forex investment (foreign exchange market)
Forex - essentially this is the currency market, where you can buy / sell one or another currency. This can be done both through banks and online with the help of specialized brokers (where by the way, the commission is 10 less).
For example, you purchased 10,000 dollars at the rate of 57 rubles / dollar - in the end you invested in dollars 570,000 rubles. After a time, the course reached 60 rubles for 1 dollar, and you sold dollars.
As a result, after the exchange, you received 600,000 rubles, and the income was 30,000 rubles, respectively (of which the broker commission approximately 600-800 rubles).
The forex can be traded both yourself and give money to the management of professional traders (it will be written in detail in the next section of the article).
With independent trading, the currency is very important to have trading experience and knowledge of the foreign exchange market. I climb on the currency market just like that, in the hope of light profit, it is not worth it, as this usually leads to serious losses.
It is important to note that with personal trading it is necessary to follow the proven trading strategy, otherwise trade is likely to turn into a casino and lead to a previously known sad result.
But the other side, if you follow the risk (managing), manage emotions and trade exclusively on the strategy, then you can really earn at Forex. But it needs to be trained!
Although it is possible to start on Forex with minimum amounts - from $ 1, still need more or less serious investments (preferably from 100 thousand rubles), since even if you have to increase the initial deposit of 10% for the month (which is very good ), then the profit will not be so big.
Among reliable brokers can choose for example, alpari or roboforex.
The forex market is more unpredictable than the stock market, which means more risky. Nevertheless, when used by investing, you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investment. This will be discussed below!
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| depends on the strategy (initially has a high risk) | 1-5 years old | from 100 rubles | |
| (⭐️⭐️⭐️ - high / average) | (⭐️⭐️⭐️ - high / medium) | (⭐️⭐️⭐️ - High) | (⭐️⭐️⭐️ - very low) |
| Pluses and ➖ Minuses: | |||
| (+
)
If there is an effective strategy, you can get high yield. | (+
)
Low entry threshold and availability. | (—
)
High risks, especially for beginners. You can lose significant money in a short time if you do not manage the risk. 99% of newcomers losing his money. | (—
)
Learning is required: Special knowledge and experience, as well as the ability to manage emotions. There is no guarantee that in one or another period will receive a profit. |
PAMM-account, PAMM-portfolios, trust management and structural products
This method is usually suitable for those who have no experience and time to understand all the nuances of trade in financial markets (stock markets, forex, oil, gold ...).
That is, in this case, you trust your money traders - those who are professionally engaged in trade in financial markets.
All you need to distribute the initial amount of investment on the part (preferably at least 5-10) and invest in various managers.
For example, it allows the alpari broker, which I have already mentioned above. The input threshold here is only $ 10.
At the same time, traders are interested in increasing your money, since only with profits they receive a small reward for their work.
Income here can be obtained quite acceptable - per month 3-10% at moderate risk! But even with conservative trade in 20-30% per annum - it is also great!
PAMM-account and PAMM-Porphy for investment must be assessed based on at least 3 parameters:
- the age of the account / portfolio,
- past yield
- funds invested by other investors.
However, it is necessary to take into account that despite the fact that in the past, the bills / portfolios showed a good profitability, in the future there is a possibility that they will be unprofitable.
Investments in structural products
They are also intended for beginners who want to increase their money. Structural products can bring yield to 100-200% per annum with minimal risks (risk is rigidly limited, there is protection of capital - usually you risk only 10% of your investments).
The essence of structural products is that you also invest money in stock markets (more precisely in specific shares, futures ...), which experts expected will grow or fall in the future.
Invest in such products, as a rule, it is possible from $ 3,000 and for a period of 3 months.
Trust management combines convenience, moderate risks and middle / high yield. Particularly suitable for newcomers.
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 15% to 200% per annum and higher | depends on the type of strategy: conservative, moderate, aggressive | 1-4 years | from 500 rubles |
| (⭐️⭐️⭐️ - high / average) | (⭐️⭐️ - medium) | (⭐️⭐️⭐️ - High) | (⭐️⭐️⭐️ - Low) |
| Pluses and ➖ Minuses: | |||
| (+
)
After distributing the funds from the most effective managing / strategies, you can get a good average profitability. Fits beginners. | (+
)
The minimum amount for investment (especially in the PAMM account) is quite low. You do not need to engage in trading yourself. | (—
)
Relatively high risks compared to bonds and bank deposits. | (—
)
It is difficult to predict yield, as there may be unprofitable periods. Periodically need to monitor the managers. |
Investments in your or partner business
This is one of the most profitable investment methods that can bring you not one hundred or even a thousand percent income!
Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply to invest in someone's business at the development stage.
As an option, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).
At the same time, even if you have a small initial capital, you can still open your business. Many people discovered profitable business practically without investments or with minimal investments, so the money here is not the most important, the main thing is desire and desire!
If you turn to statistics, then among the millionaires about 70-80% are entrepreneurs who started a business from scratch!
You can turn your hobby into a business and never in life no longer work, but to do your favorite thing! Perhaps this is the most preferred option!
As spoke of Confucius:
"Choose your own work in the soul, and you do not have to work for a single day in your life!"
If you still do not have a stable source of income, then first think about creating a business, let him even be small. The main thing in this business is not afraid to take the first step!
Think, maybe you always wanted to open your car service, hairdresser, sporting goods store or handmade goods store?
Here are some more useful tips:
- Start with a small (and with minimal investments) and gradually develop your business. At the initial stage of business development, do not invest big money immediately.
- Choose a niche with minimal competition - it is easier to start in them.
- If you have a small initial capital, then it is possible to try business in the service sector.
Business is able to bring a very high yield when minimal investments. In addition, the business can be turned into a favorite thing, which is interesting and want to do!
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 30% to 1000% per annum and higher | At the initial stage, high risk | from several months to 1-3 years | from 10 000 rubles (you can even start from scratch) |
| (⭐️⭐️⭐️ - high / average) | (⭐️⭐️ - medium / high) | (⭐️⭐️⭐️ - High) | (⭐️⭐️⭐️ - Low) |
| Pluses and ➖ Minuses: | |||
| (+
)
One of the highest returns among all investment tools. | (+
)
For business it is easier to find partners and / or seinvestors. You can begin without big investments, the main thing in business is the idea! | (—
)
High initial risks. 7-8 of 10 beginner businesses are closed within 2-3 years. Low liquidity is difficult to quickly sell a business. | (—
)
It is necessary to deal with business and understand how it works, even if you put money in the "foreign" business. You must always learn. |
Investments in mutual investment funds
Pytes can also be attributed to trust management.
Pynes are professionally engaged in investment activities, investing and managing their depositors' money (invest in certain shares, bonds ...).
The contributor can be absolutely any person, for this you need to purchase Pai (share) in a share investment fund. Depending on whether the PIF is successful manages investment, shareholders make a profit or loss.
It should be noted that the activities of the disease are regulated at the state level and as a rule, they are prohibited in high -ighted assets to invest. Therefore, they are considered more protected in contrast to the same brokers.
Pypus usually give low income (usually from 15 to 30% per year), with a slight risk.
The minimum amount of investment is from 1,000 rubles. You can buy pairs online, including through certain banks, such as Sberbank.
If this type of investment is suitable for you, it makes sense to choose not one face, but several to distribute possible risks.
And take the rule before investing somewhere, including any specific impacts, read the reviews of real people on the Internet, and also read what they write about them on the forums. So simple action you will secure yourself from not reliable and fraudulent organizations.
PIFES can be considered as an alternative to brokers, which also invest money mainly in stock market. Subject to the absence of the crisis, they usually also bring a good yield.
The average profitability exceeds interest rates on bonds and deposits.
Low entry threshold, as well as control of the activities of mutual effects by the state.
No warranty that you get income. There is an additional "commission" (surcharge) for the purchase / sale of shares.
We will have to pay 13% of the income tax - many other investments have preferential tax conditions.
Microfinance organizations (MFIs)
Another type of investment is an investment in MFIs. The return on such investments on average ranges from 12% to 30% per annum.
The minimum amount required for attachment in MFI should be at least 1.5 million rubles (by law).
The longer the mortality period, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.
It should be noted that in this case there is no insurance insurance, and the risk is much more risks than if investing in bonds or in the bank at interest.
If you still decide to invest in the MFI, then you must choose a proven company that works on the market for more than one year.
See primarily the "age" of the MFI, and not at the interest rate that you promise. It is better to invest in a reliable organization under a little smaller percentage than in the newly appeared MFI with a high percentage.
Additionally, it will not be superfluous to see the reviews and read articles on well-known information portals (for example, RBC) about this or that MFIs.
The MFI as a whole is 1.5-2 times more profitability than bank deposits. But there are risks appropriate. Yes, and the threshold of input to put it mildly is rather big.
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 12% to 30% per annum | moderate | 3-9 years old | from 1 million rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - medium) | (⭐️⭐️ - medium / low) | (⭐️ - High) |
| Pluses and ➖ Minuses: | |||
| (+
)
High rate Regarding bank deposits. | (+
)
Passivity of income. Minimal participation on your part. | (—
)
Very high input threshold. According to the law, MFIs is allowed to attract salts from 1.5 million rubles. | (—
)
Increased risk, as there is no insurance of contributions - in the event of bankruptcy, no one will return money. There is a fraud. |
Investments in precious metals
Investing money in gold and other precious metals are particularly relevant to invest in a crisis, as it is where money from the stock market is moving.
Gold coins / gold bars can be purchased both in almost any bank (Sberbank, Gazprombank) and brokers (for example, alpari).
Despite high reliability, gold investments are more suitable for preserving existing cash than to increase them. In addition, such investments are designed for a longer term from 3 years and more.
Over the past 5 years, gold in rubles has grown from 1600 rubles per gram to 2400 rubles / grams. Total yield in the fifth anniversary was 50% (on average gold grew by 10% per year) and then such a yield turned out to be a serious depreciation of the ruble.
However, if you look at the dynamics of gold in relation to the dollar, then you can see that gold after 2012 fell significantly in price and at the moment is located in the side trend.
Precious metals (gold) still makes sense to buy either in crisis time or in the long term in order to save.
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 3% to 15% per annum (in the crisis yield above) | Minimum | 7-20 years old | from 1000 rubles |
| (⭐️ - Low) | (⭐️ - Low) | (⭐️ - Low) | (⭐️⭐️⭐️ - Low) |
| Pluses and ➖ Minuses: | |||
| (+
)
High reliability of investments. There is practically no risks of gold depreciation. Easy to buy / sell at any time. | (+
)
Dragmetals (especially gold) is a quiet harbor. Investments are suitable for preserving funds during the crisis. | (—
)
Low yield during the growth and development of economies. Tax on income of 13% when selling gold, if the tenure is less than 3 years. | (—
)
Relatively high commissions of banks / brokers when buying / selling precious metals, incl. Gold. |
Investments in cryptocurrencies (Bitcoin)
Bitcoin for the last grew more than once and, apparently, does not collect. New millionaires are already emerging, which are riders exclusively on investments in Bitcoin.
Of course, the best time for investment was a few years ago when Bitcoin cost about $ 150-200.
Some experts say that in the future, Bitcoin may cost hundreds of thousands of dollars and maybe it will reach $ 1 million.
Others argue that Bitcoin is waiting for the collapse. But despite this, some states (including Russia) think about creating their national cryptocurrency, which indicates that the topic is cryptocurrency in the future will be very popular, and therefore probably Bitcoin and other cryptocurrencies will grow in price.
Moreover, cryptocurrencies show a steady growing trend.
But you need to understand that any cryptocurrency is another bubble, since it is not worth anything real for him and yet it is a pretty risky investment tool. With one side of cryptocurrencies, too risky tool, and on the other hand, in the event of growth can bring huge yield. Is it worth it or not to invest each decides itself, one thing is only clear - it is definitely not worth investing in them all your money!
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 50% to 1,000% per annum | increased | from 3 months to 1-2 years | from 100 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very low) |
| Pluses and ➖ Minuses: | |||
| (+
)
In the case of cryptocurrency growth, it is possible in a short time to multiply invested funds. | (+
)
As a rule, there is no inflation due to a limited number of cryptocurrency issued. | (—
)
Very high volatility cryptocurrency, in a matter of days they can go in price, so seriously collapse. Low predictability. | (—
)
Cryptocurrencies are not secured, since this is another bubble. The complete lack of guarantees - in case of loss of money, no one will return them. |
Internet projects (online business)
The Internet is developing in a huge pace, along with this providing the opportunity to make each of us to make money in this global network.
It is important to note that large investments are not always required to promote one or another project on the Internet. Some of the projects can be started with minimal investment or at all from scratch.
The following directions are currently popular:
1. Sites. Information sites are created and filled with unique content.
With minimal investments it is possible to obtain high yield through advertising. Typically, the site begins to bring the first income in 4-6 months.
From 1000 visitors per day, depending on the subject, you can earn about 200-3000 rubles per day. The scatter is very large, since it is from the subject of the site that depends on what income you will receive.
Earnings on sites will be suitable even by novice, as you can write articles yourself, and not to order them on copywriting exchanges.
But still, at the beginning, you will need to be in the essence and understand the key items of such a business.
2. Social publics. Surely almost each of us signed on any community in social networks (Vkontakte, Facebook, Odnoklassniki ...).
In the meantime, the owners of such publics also earn mainly on publishing advertising posts. In publics with millions of subscribers, the cost of one advertising post can cost 2-7 thousand rubles.
Publications with relatively small investments pay off very quickly. Although now competition is high, but if you choose the subject of the public, to post high-quality and interesting content and develop a public, then the success of waiting for a long time!
3. CPA affiliate / aribian traffic. Their essence is that some business owners are ready to pay a certain percentage from the sale of their goods / services.
For example, if a person switched to your affiliate link will open a settlement account in a particular bank, then you can earn 2-3 thousand rubles.
If you can easily attract traffic through advertising, it is quite possible to get a high return from the invested funds. However, as you probably already understood, here the main investments go on advertising.
But in this case, the main role is played by experience, without him anywhere!
4. Online services.You can also invest in the creation of online service. These include various freeline exchanges, bulletin boards, exchangers ...
For example, projects that are engaged in the exchange of electronic money are very popular (in fact they are called exchanger).
For example, if you need to transfer money from Yandex Wallet to Kiwi Wallet, then it is most likely to do with the help of exchangers. By the way, the bitcoins can also be purchased using exchangers.
Exchangers in turn take a small commission for exchange (usually 1-5%). Due to revolutions, quite a decent income is obtained.
5. Applications for iOS / Android. With relatively recently, applications for Androyd and iOS began to enjoy very popular - this is a large market segment where big money is spinning.
Therefore, if you have an interesting idea that will enjoy a wide demand, it is possible to try to create your own application. Where if you do not mean anything about how to create applications, they can be for quite small money (20-30 thousand rubles) on freelance exchanges.
Here, as well as everywhere, the key role is played by the idea - it is from her that the success or failure of the application depends on it.
6. Highypes. Highypes - in reality represent the financial pyramid that lives at the expense of the funds invested in it.
Such highups offer very high percentages (1-5% per day) to attached funds, but of course they can function only a few days or weeks after which they disappear without a trace.
There are Highips that "live" for several months or even a few years, but the yield on them, respectively, at times / dozens of times lower.
In any case, invest in such Hypes is very risky, because they mainly earn the creators of these Haipov and a small group of depositors - who managed to bring money from profit until the moment when the Haip turned into "scam" (stopped paying money).
Investments in online projects are an excellent option for those who want to make money on the Internet. With the right approach, Internet projects can give high yield at a minimum of attachments.
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 30% to 500% per annum | moderate | from 3 months to 2-4 years | from 500 rubles |
| (⭐️⭐️⭐️ - High) | (⭐️⭐️ - medium / high) | (⭐️⭐️⭐️ - High) | (⭐️⭐️⭐️ - very low) |
| Pluses and ➖ Minuses: | |||
| (+
)
High yield. Invested funds can pay off very quickly. | (+
)
Some projects can be started with minimal investments or at all from scratch, inserting only their time and effort. | (—
)
There is a risk that the project will not fool and will not pay for himself. | (—
)
We need knowledge. It is necessary to easily understand the key nuances of the Internet business. |
Investments in Venture Funds
Venture funds are especially widely developed abroad, in our country they are not so popular yet, but nevertheless they are a fairly profitable investment instrument.
The essence of venture funds is that they invest out exclusively in projects that are under development (startup) or even at the stage of the idea.
A distinctive feature of venture investment is very and very high yield, they are able to bring thousands of percent!
But on the other hand, only 1-2 of the 10 projects fire and bring huge profits. But despite this, they usually pay off all the investments in "unsuccessful" projects.
Investing money in projects in startups can be mostly in several ways:
- crowding and crowdding sites (suitable for beginners);
- venture funds;
- investor clubs.
Nevertheless, venture capital investments are poorly developed in Russia. Yes, and often requires a large starting capital, and among the seeding platforms (where the input threshold is not high) often there are fraudsters. Meanwhile, venture capital investments are able to bring a very high yield!
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 40% to 3000% per annum | increased | from several months to 1-3 years | from 10 000 - 100 000 rubles (in Venture Funds - from $ 500,000) |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - High) | (⭐️⭐️ - High / medium) |
| Pluses and ➖ Minuses: | |||
| (+
)
In case of success, you can get the highest profitability. | (+
)
Large tools are not always required to invest at the start of the project. | (—
)
Very high risks, most novice projects are unprofitable. | (—
)
Fraudes are widely developed - investment sites may be financial pyramids. |
Art objects
Another unusual way to invest your money is to invest them in art objects. This is a fairly narrow and specialized market, nevertheless, it can bring good yield.
It is no secret to anyone that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percentage of profits on investments.
The only important feature at the same time - such investments often require large investments. And besides, to get a good profitability to invest for a long period (decade).
Like attachments to precious metals, investments in art objects are not subject to inflation and eventually it will only cost more
Yes, and the crisis is almost nothing to reflect on the cost of art objects.
This type of investment is suitable for those who at least understand something in art and is ready to invest money in the long term.
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| from 20% to 100% per annum | minimum | usually from 1 to 3-5 years | from 100 000 rubles and above |
| (⭐️⭐️ - medium / high) | (⭐️ - Low) | (⭐️⭐️ - average) | (⭐️⭐️ - High / medium) |
| Pluses and ➖ Minuses: | |||
| (+
)
You can get a relatively high yield at minimal risks. | (+
)
High reliability. Over time, art objects only grow in price. | (—
)
Often investments in art require large initial capital and suggest long-term investment. | (—
)
It is necessary to be a specialist, possess specific knowledge and experience. |
Knowledge and Own Development
The most profitable investment is always an investment (in the development of specific skills, skills, gaining knowledge, experience ...).
It should be understood that first of all the knowledge / experience, and not money allow you to earn and multiply your own. If you have free money, then it makes sense to invest in our development: to attend trainings, webinars and seminars.
One of the most important differences in knowledge of knowledge is that no one will ever be able to take them away from you. You can lose everything, but not only accumulated skills and experience.
For example, in the United States, an experiment was carried out: a professional real estate agent completely left for money in different cities. And the result was always the same - after a couple of months he managed to earn tens of thousands of dollars from scratch.
Therefore, if you still do not know where to invest your money, then the most win-win version is to put them in yourself (at least some of them). Yes, and do not forget that even an unsuccessful experience is also extremely valuable experience!
| Yield: | Risk: | Payback: | Minimum attachments: |
|---|---|---|---|
| infinite | minimum | from several weeks / months | from 0 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️ - very low) | (⭐️⭐️⭐️ - High) | (⭐️⭐️⭐️ - Low) |
| Pluses and ➖ Minuses: | |||
| (+
)
The most important and most profitable asset in the world is knowledge, skills and experience. | (+
)
No one can take knowledge and experience with you, and you will always be able to turn them into money. | (—
)
For many, it is difficult at first stage to motivate yourself for training. | (—
)
It is not always possible to immediately turn your knowledge of money - for this it is necessary time and experience. |
4. Where to invest money to earn - specific examples
Very risky investment options, I will not consider these examples. Consider only conservative and investments with moderate risk.
Where to invest 100 000 rubles to earn
100 - 200 thousand rubles - this is not such a big amount, therefore it makes sense to invest in the opening of his case or in the business of his friends. And 10-20 thousand to allocate to visit trainings and seminars.
Alternatively, if you do not want to invest in a business, you can consider bonds. In the extreme case, you can open a bank deposit, but it will be very little sense from it, as the percentage only covers inflation.
If the risk allows you to try to be inserted into structural products of brokers (trust management). The risk of them is usually limited to 10-15% of the amount of investment, and you can earn more than with bonds.
Where to invest 500,000 rubles to earn
Also relatively not a big amount by investment standards. This amount can already be divided into 2-3 parts and to invest in business, bonds, gold or trust management.
If there is an option within the framework of this amount to purchase real estate at the construction stage, you can invest in it.
Where to invest 1 000 000 rubles to earn
Having 1,000,000 rubles on the hands can already be enabled in almost any of the tools described in this article.
Per million rubles. It is already quite realistic to buy a rough apartment and an apartment at the stage of the pit.
Or as an option:
- It is possible to invest part of the money (100-250 thousand rubles) in the promotion of promising companies, to give them into trust management, PAMM-account / portfolios or insert in mutual effects.
- But 400,000 - 500,000 rubles can be investing in reliable tools: various bonds (the amount is also desirable to divide by 3-5 parts), gold, art objects ...
- A small amount of 30,000 - 50,000 I would still put in cryptocurrency, in case it will seriously rise in price in the next couple of years.
- For the remaining amount, you can try to open a business (including on the Internet).
Hello, dear readers "Site"! In this article, you will find out where it is profitable to invest money so that you can receive a monthly income, what kind of money investment methods are possible under high percent With a guarantee and how best to invest, so that they work and bring the profits to the investor.
This article is written on the basis of the analysis of the experience of famous investors, financial advisors, as well as the realities of the modern economy. Plus, the basic principles of investment, possible risks, advantages and disadvantages of each investment strategy are given.
About where it is advantageous to invest your money to receive monthly income and what options for investing money under a high percentage with a guarantee exist - read the site in the logIn this section, we will talk about what is worth and what you should not make young investors making our first steps in investment activities. Consider the rules for effective investment that will allow to obtain a yield higher than in the bank, but at the same time almost the same reliability. Why almost? Yes, because the main rule of the investor says :
The risks who are ready to take on an investor are proportional to potential profits.
You, probably, is no longer wailing to start? Want us to reveal secrets where it is profitable to invest in 2020 year at percent, to earn earlier even more?
You will disappoint you a little. The first, where to start a young, who has not yet worried about the investor – with investment in yourself, in your knowledge and skills . Believe me, the profitability of these investments will still be surprised!
And only then, when you already understand what the action differs from the bond, what is the capitalization of the contribution, who are such brokers and traders, can be processed to practice.
📝 Read also our article About, and how to become a successful investor from scratch.
2. 5 Golden Money Investment Rules
Rule 1. Create airbag
Do not start risky or not very financial operationswithout having a reserve for black day.
- How much should you have in stock? According to experts, this should be the amount that will cover your expenses for half a year;
- ? Postpone from salary or other sources of income;
- How to calculate the size of a financial reserve? Consider your expenses for the month. For example, you got 40 000 rubles. Multiply by 6 months, get 240 000 rubles.
This is the reserve that you will not be spent by investing. In order to make the first investment, you will need to accumulate a little more.
So this is the whole eternity will pass! - You will say. You can and faster if you have in addition to salary passive income , that is, the monetary resources you get, not making it great efforts ( real estate rental, interest on a bank deposit etc.).
👉 In this way, If you put a financial reserve for a deposit to the bank, then you will kill two hares at once. Form the reserve and will become a passive income.
Rule 2. Do not put all the eggs in one basket
Pay attention to trade directly currency, shares and cryptocurrency on the stock exchange. The main thing is to choose a reliable broker. One of the best is This brokerage company .
To avoid the need to take advantage of the financial reserve, it is necessary to competently distribute your funds in investments. Do not immediately invest all free money in tools promising high incomes. The risks that you lose everything to a penny, too great.
After all, you will not fold a hundred fragile eggs in one basket? The likelihood that you drop it 50 /50 . And the risk that all eggs break after the fall is already much larger. So it can happen with your means if you decide to put them all at once only In one project.
In addition, if you distribute your money on different banks, then the same thing can happen. It is better diversify attachments. Invest in different areas. Not only in banking, but also to petroleum, gas, information, industrial, etc. In the language of professionals, this is called an investment portfolio.
Investment portfolio - These are several investment tools combined together, differing in the degree of risk and profitability.
Depending on the selected investment strategy, 3 types of investment portfolios can be distinguished:
- Aggressive the portfolio consists mainly of high-risk assets;
- Passive the portfolio is formed mainly from bank deposits;
- Moderate the portfolio includes both.
Rule 3. Estim the risks in advance
Before considering potential profits and invent where you spend it, appreciate your possible risks and losses.
Do not immediately form an aggressive portfolio. You risk losing everything!
Start with small. With the sum that you are internally ready to lose (there is always a risk). And gradually increase the rev.
Take note! In no case do not use money for investment made on a bank credit or borrowing from friends or relatives. You risk colling with collectors and lose trust and respect your loved ones.
Rule 4 Choose Collective Investing
Not necessarily to invest alone. As your experience grows, you can invest in large projects, attracting co-investors. This will allow you to distribute risks at all. And profit, respectively, too.
For example, If you have any attractive investment projectBut you have no money for him, you can suggest someone else to participate in it. Be sure to be the one who is ready to cooperate with you. on mutually beneficial conditions.
If you are not ready to independently manage your investment instruments, you can use services of trust manager . This is a company that, in accordance with your chosen investment strategy, will manage your funds. It can use these means to extract profits, but cannot dispose of them on the right of ownership. For their work, the trustee receives a certain remuneration.
When transferring funds to trust management arrived and losses distributed between investors in proportion to their deposits .
Rule 5. Generate passive income
Investments and growth of your capital is fine. But do not forget that investments are always risky. Today you have income, and tomorrow you can lose it together with the invested capital. Alas, these are the realities of the modern economy.
10 favorable ways investing money so they worked and brought monthly income 4. Where can I invest money so that they work and brought income - top 10 profitable investment methods
Today you can meet a lot of financial fraudsters who promise light money, high yield in a short time. With these investments, they have nothing to do.
Therefore, we will look at the time-tested investment tools that allow you to get a return on nested funds taking into account reasonable risks. So, where to put money to get a monthly income?
Method 1. Bank deposit
The contribution to the bank belongs to the most common investment instruments. True, yield of such a tool rarely covers annual inflation in the country. Therefore, bank deposit can be attributed rather to savings methods, not an increase in your capital.
Bank deposit is the most popular and easy way to invest in interest Low ↓ contribution- this is an honest fee for your calm, because banking risks are also small ↓.
And if the amount of your contribution does not exceed 1 400 000 rubles, you can do not worry about anything at all. In accordance with the current legislation in the event of bankruptcy of the bank, the state will return all your money to you.
At the moment, the profitability of bank deposits fluctuates within 7 -10% that a couple of percent is lower than inflation. We wrote about in the economy in the past article.
The most popular bank among the population is Sberbank , Despite the fact that interest on deposits in it below the average market. Reliability of the Bank, and not potential inclusion on the contribution for many is crucial.
The advantages (+) bank deposits are as follows:
- low risks, insurement of deposits;
- the opportunity to return money at any time (sometimes even without loss of percent);
- availability (you can start with small sum, for example, in 1 000 rubles).
By minuses (-) can be attributed:
- income by deposit at best covers inflation;
- in most banks, in case of early closure of the deposit, interest is lost.
Method 2. Securities
Securities, in contrast to bank deposits, bring usually higher yield . You can try to invest in stock or other financial instruments in the securities market, provided that they are ready to take on higher Risks . About, right, on the site there is a detailed article.
Investing B. securities (promotions, bonds) Securities are different species. Consider the most popular: Shares and bonds.
Stock - This is a security that confirms your share in the company and gives the right to vote.
Shares are ordinary and privileged . Have the latest more percentages, but there is no possibility to vote on general meeting Shareholders. More about that, and what are the types of shares, we wrote in one of our articles.
Bond - This is a valuable paper that confirms that you have taken a company that has released it, a certain amount of money.
In contrast, the action has a certain period of validity, after which is to be repayable. Shares can own at least all life and receive dividends.
Dividend - This is an income on the action paid as a percentage of the value of the security.
In addition, inflation annually "eats" a certain part of the money. Therefore, to invest in the currency for several years is not very effective .
You can buy and sell currency in a special market called (from English Foreign Exchange. – exchange foreign currency ). Forex can buy and sell almost any freely exchanged currency. You can buy Chinese yuan for Japanese yen, Canadian dollar for euros, etc.
Forex work traders which buy and sell currency during the day. Anyone (with a broker) can buy and sell any currency on forex. We recommend working only with proven brokerage companies. Many successful traders traded through of this broker.
Many companies propose to train work skills in the foreign exchange market. They are putting potential investors with high yield. It is worth being vigilant and remember the main investment rule: high revenues are associated with big risks!
Yes, at Forex you can increase your capital for several months. But the risks will lose everything very high. According to statistics 80 % Newbies lose their invested funds in the first month of work on Forex. Therefore, before you decide, we carefully weigh everything!
Pros (+) work in the foreign exchange market:
- minimum initial capital requirements ( from 100 dollars );
- yield above the average market;
- a variety of investment instruments (foreign currencies).
Cons (-) Forex:
- need to own special skills and knowledge for investment;
- significantly high risks.
If you want to learn more about how to lead, read our article.
Method 4. Real Estate
This is the second most popular strategy after bank deposit and a good option For those who think where to invest in 2020 year to earn. Investing in real estate no less reliable than investment in the bank. The difference is that much more initial Capital.
Investments in real estate objects Thanks mortgage programs Banks, you do not need to save the whole amount to buy an object of interest. Usually , Enough 20 -30 % from initial cost. However buy an apartment or a house in the mortgage and repay it for 20 -30 For years at the expense of salaries - not the most successful option for the investor.
Need to do so that this real estate brought you a passive income and covered mortgage payments.
For this, you can use the following measures:
- lease;
- if you bought a new building at the construction stage, sell when the apartment will be ready at a higher price;
- make from two- three-bedroom apartment Several studios and take them as independent apartments.
Such an investment strategy requires more time and knowledge, but also its yield is also different.
Pros (+) real estate investment:
- the ability to receive passive income at the expense of rental payments;
- the opportunity to make a resale apartment for the larger price (about reading in our article);
- the preservation and passive increase in capital (real estate, in contrast to other investment facilities in the long run, is growing in price).
By cons (-) of this method include:
- high Requirements for Starting Capital ( from 300 -500 000 rubles);
- it's hard to sell quickly if you need to return the money;
- physically stitches ( wear, flooding, fires).
Method 5. Own business
This strategy is suitable for those who are not afraid to risk, ready to make decisions and bear responsibility for them.
Creating your business When deciding to open your own business:
- correctly evaluate all risks at the initial stage;
- calculate financial indicators ( disposal terms required by the volume of investments, sales plans, production costs or ulugi).
If you have an entrepreneurial veil and a certain commercial experience, then you can easily cope with it.
Pros (+) opening of own business:
- you yourself master (independently determine what and how to do);
- ability to attract co-investors ( crowdfunding campaigns, venture capital funds, other businessmen);
- it is not necessary to have the full amount for the opening of the business (you can use bank loans).
The minuses (-) investment in their own business can be called:
- high risks to lose everything;
- it is difficult to quickly return the invested funds;
- if co-investors are attracted, you can lose the management of the company.
Method 6. Precious metals
Many consider investments in precious metals the most conservative option. The acquisition of gold brings serious profits for a huge number of years.
It is worth considering! Dragmetals are not subject to physical damage, while their reserves are limited. That is why the cost of gold, silver, platinum and palladium is continuously growing.
Several options for investing funds in precious metals:
- Acquisition of ingots. In this case, the investor must remember that such operations are subject to taxwhose size is 18 % . Moreover, the ingots in their acquisition are necessarily issued certificate. Such an investment should be carried out for a long time. It is important to ensure profit in the amount exceeding the amount of the tax paid;
- Acquisition of coins from precious metals. Coins are not taxed. Moreover, some of them also have a collective value. But it should be understood that it is possible to get a serious profit from coins only a few years after they are purchased;
- Opening of metallic accounts. The deposit in precious metals is suitable for those investors who want to invest in a short time. Since in this case there is no need to buy precious metals, there is no taxation. This option is one of the easiest and safest.. The investor addresses a bank that recalculates the amount of the precious metal gram. After a certain period of time expires, the deposit close the deposit, receiving the current value of the metals placed on it;
- Buying securities of gold mining companies. To do this, you will have to become a member. The cost of securities does not always increase quickly. Therefore, it should be purchased for the long term.
Method 7. Antiques and works of art
Often, antiques, works of art, as well as collectible items called currency rich. If there is a fairly large amount for investing, experts recommend paying attention to the investment in such property.
Choosing this method, important to remember, what such investments are made only for a long time. In this case, it is better not to count on a major profit.
However, after several years, a serious leap of the value of the acquired property may happen. So, some pictures of famous artists at the time of their writing cost literally a few hundred dollars, after ten years - tens of thousands, and after fifty - millions.
In order to invest, you can purchase the following antiques:
- antique furniture;
- books;
- icons;
- ancient coins;
- porcelain;
- dishes.
It is important to understand that these items must be exactly old. In art historian personnel are things made over 50 years ago . Some similar items may be historical value and are protected by the state.
For investing in antiques, considerable money is required. Even 500 000 rubles For such a method of investments is considered a small amount. However, you can start with small. So, eg, Tretyakov I managed to collect your collection, starting literally from several paintings.
It should be understood what to acquire really valuable things it is required to be art historical or have such a friend. Without relevant education, it is almost impossible to understand what items are practically impossible.
Of course, you can use the services of the consultant. However, it requires additional financial investments. Do not forget that any art historian can only estimate the current value of the subject, and not its potential yield. Contact professionals who understand not only in art, but also in investment.
Method 8. Franchising
Those who have capital in the amount of half a million rubles and more, can create their own business, buying franchise . In this case, the activity is conducted on the scheme spent by the seller. In detail about, we wrote in a separate article.
Opening of business for franchise It is important to understand that franchising cannot become a passive income. The amount of profit depends primarily on businessman's activity.
However, the franchise helps to save time, money and strength. This is achieved due to the fact that marketing schemes, all processes with such business worked.
Among the advantages of the franchise can be allocated as follows:
- rather short payback period - usually from six months to a year;
- brand Fame Provides the presence of a client base no extra advertisement, franchise goods and services already have their customers;
- the franchisor constantly supports a businessman;
- the competition level is minimal, since the franchise provides a specific number of projects on a certain territory.
However, the franchise-based business has serious limitations . The main thing is that acquiring a franchise, Businessman is limited in his actions. It is tied to the developed system and is not entitled to change the algorithm of actions, without coordinating them with the franchisor.
Method 9. Binary Options
Specialists argue that binary options are most fast way receiving income from investment. The basis of this option is the ability to take on risks, as well as to analyze the economic situation in detail.
The task of the investor who chosen binary options is to properly predict the cost of the asset used after a certain period of time.
After the set period, the result is evaluated.
- If the assumption turns out true Investor will receive profit . It can be about 80 % rates;
- However, the forecast may not be confirmed And the price will go in the opposite direction. In this case, the account will be fixed lesion constituent 100 % bet.
At first glance, many it seems that making money on binary options is the same thing to play roulette. However, it is not. A more careful study of work on binary options makes it possible to increase the accuracy of the forecasts, which means to increase the profit gain.
We can distinguish between the advantages of the investment method under consideration:
- A large number of trading tools To select. Even a novice investor will be able to work as with currency pairs and with shares, oil and precious metals;
- The amount of profit, as well as the level of a possible loss is defined in advance. Moreover, some trading platforms allow themselves to independently determine the ratio of profit and loss;
- Access to the trading platform can be obtained at any time from any device. To do this, there is no need to install additional software. To start analyzing enough go to the broker's website;
- Trade of binary options is carried out around the clock without days off. Therefore, the investor can earn at any free time;
- The trading interface is intuitively understood by even novice investors. This reflects only the final result of the value of the asset, the intermediate prices are not shown to the user.
There are 2 options in the options:
- Call Up. represents shopping deal . It should be used if price increases. With a decrease in the cost of assets, a loss will be obtained.
- Put Down. - this is transaction for sale , Profit will be obtained in the event of a reduction in the cost of the asset.
Despite the large number of advantages, binary options trade has disadvantages:
- The only incorrect deal may entail losses in the amount of 90 % Invested funds. To bring them back, you will need at least three profitable deals;
- When trading binary options, it is impossible to abandon the transaction or close before it. Even in cases where the investor understands that he was wrong, he remains nothing else, except to wait for the expiration of the option time;
- In contrast to Forex, there are no credit obligations here. It turns out that the investor has the opportunity to trade only by those means that he has in stock.
Binary options allow not only to save own funds From the harmful effect of inflation and devaluation, but also to increase them. For this, it is important to take carefully to study the market, as well as make the right choice in favor of one of the brokers.
Method 10. Internet projects
The development of modern technologies led to the fact that the popularity of investment over the Internet has increased significantly.
There are several directions for investments that are suitable as a novice investor and experienced:
- Investments in startups, which are special Internet resources created for the purpose of development or subsequent selling them. The owner of funds should understand all the details of the project and carefully monitor the execution of work. The amount of funds that the investor will receive is determined primarily by the degree of development of the resource, as well as its attractiveness for future buyers.
- Investment in the creation of your own website. Successful Internet resource is able to become the basis of the business and bring regular income. This approach allows you to start your own business even if there is a small monetary sum. At the same time there are no costs for renting commercial real estate, wages personnel. It is possible to offer a product or service with a wide audience. Attachments in such a business are less risky, however, the amount of profit in any case is determined by the efforts of the entrepreneur.
- Investing in online projects that seem to the investor are most beneficial. You can choose effective Internet projects on specialized online resources. Investor at the same time acquires part of the business. Subsequently, he has the right to a percentage of profits or resell a share. The relationship between the project owner and the investor is governed by a special type agreement. However, it is worth considering, what to predict effectiveness in advance almost impossible. There are serious risks of such investments associated with the unpredictability of the behavior of the market.
Choosing a way of attachments, it is important to conduct a qualitative analysis. Only it is possible to understand what the potential profit and risks of the project.
A faithful way to invest money under a high percentage with a guarantee is a bank. And in which bank is better to invest in interest with monthly income - see below in our review 5. Where to invest money under a high percentage with a guarantee without risks - Overview Top 5 banks
To get a guarantee of income, as well as to ensure the safety of funds, invested them in the bank.
Important! It is worth choosing such credit organizations that participate in the deposit insurance system and have a qualitative reputation.
In addition, it is necessary to study and compare the conditions for deposits in various banks.
Which bank is better to invest in interest in 2020?
So let's consider in which bank it is advantageous to invest money under a high percentage with a guarantee (with a monthly income). In order not to spend time, analyzing a large number of banks, you can use the ratings of specialists. Example list of the best for investment of banks Presented below.
1) Tinkoff Bank
Tinkoff - Unique Russian bank. He has no branch throughout the country. Customer service is carried out completely remotely.
Here you can open the contribution at the rate up to 7% per annum . Accrual is carried out monthly. In this case, the amount of the deposit should be not less 50 000 rubles.
The depositor has the right to choose a payment method:
- capitalization;
- list to a separate card account.
The contract provides for the possibility of replenishment, as well as partial removal of funds.
2) Sovcombank
Sovcombank has a lot of experience in Russian financial market - It was founded in 1990 year. Today he is among the twenty of the largest banks of our country.
Credit organization offers customers to discover a deposit at the percentage up to 7.6% per annum . The minimum amount is at the same time 30 000 rubles.
Interest is paid at the end of the contract. Moreover, for early termination Interest per 3 months, half a year and the full number of years persist. The contribution can be replenished, but partial removal is not provided.
3) UniCredit Bank
UniCredit Bank It is a credit institution based in Europe. This bank came to Russia more than a quarter century ago. Today, he is the largest credit institution with foreign capital in our country.
Deposit rates depend on the period, the method of interest accrual, amounts. Opening the contribution in rubles , you can get it before 8,35 % per annum, in dollars – before 3,23 % , in Euro – before 0,20 % .
In this case, there are 2 percent options:
- with a monthly payment;
- with capitalization.
For the convenience of choosing a deposit, a calculator located on the bank's website can be used.
4) Ural Bank for Reconstruction and Development
Ubrir It is one of the leaders of the banking sector of Russia. Credit organization has a wide branch network that includes more 1 500 Departments across the country.
Here you can invest in the rate up to 11% per annum . Percentages are accrued every 50 days. At the same time, income can be capitalized or received.
Those who open a deposit in online mode , Ubrir increases the bet on 1 %. Moreover, the Bank connects depositors to the Internet banking system for free.
5) Absolut Bank
Absolut Bank operates in the Russian financial market with 1993 of the year. Over this time credit organisation Won recognition not only customers, but also world rating agencies.
Customers can receive income to the funds invested in this Bank up to 8.5% per annum . The deposit amount should be no less 30 000 rubles. Interest on this proposal is paid only at the end of the contract. Replenishment, as well as partial removal is not provided.
For convenience of comparison, the main conditions of the deposits presented above are reflected in the table.
Table "Banks with best Terms on deposits, basic deposit parameters ":
| Credit organisation | Deposit rate | Basic conditions |
| 1. Tinkoff Bank | Before 7 % per annum | Depositor chooses to capitalize interest or receive a monthly to the card Can be replenished and partially removing the deposit |
| 2. Sovcombank | Before 7,6 % per annum | Payment of interest at the end of the term The possibility of replenishment, partial removal is not provided |
| 3. UniCredit Bank | Before 8,35 % per annum | Accrual percent monthly - to choose a contributor to capitalization or payment |
| 4. Ural Bank Reconstruction and Development | Before 11 % per annum | Capitalization or interest On the online design, the rate increases on 1 % |
| 5. Absolut Bank | Before 8,5 % per annum | Interest paid at the end of the contract Replenishment and partial removal are not provided |
4 relevant cash investment options today under high interest 6. Where it is profitable to invest in 2020 in percentage - 4 best ways today
Bring low income. There are investment methods that allow you to get much greasy profit.
Choosing the optimal option don't forget what the risk of loss of invested funds is growing with increasing income.
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