- 1. Bank deposit - which bank is better to put money at interest
- 2. Acquisition of real estate (editor's choice)
- 3. Investing in mutual funds
- 4. P2P lending
- 5. "All or nothing" - binary options
- 6. Investing in someone else's business
- 7. Investing money in your own business
- 8. Investment in precious metals
- 9. The magic power of art
- 10. Investing in venture funds
- 11. Investment in cryptocurrency
- 12. Investing in applications for phones (iOS, Android)
- 13. Investing in groups, publics in social networks
- 14. Purchase of a payment terminal
- 15. Investing in yourself
- Method number 1. Acquisition of shares
- Method number 2. Microcrediting in Webmoney
- Method number 3. Investing in web projects (sites, portals, services, etc.)
- Method number 4. Investing in PAMM accounts
- Method number 5. Earnings in summer cottages and summer cottages (editor's choice)
- Expert advice # 1. Commercial bank deposit
- Expert Advice # 2. Investment of funds in real estate
- Expert Advice # 3. Foreign exchange investments
- Expert Advice # 4. Investing in your own online business
- 4. Where money is better not to invest - recommendations
- 5. Conclusion
Economists' forecasts for 2017 (18th most likely too) are becoming less and less reassuring. The catastrophic collapse of the ruble, irrational leaps in lending rates in banks, a tense atmosphere on stock market- all this gloomy news leads to serious reflections of every Russian.
Everyone thinks about the same thing: how to avoid annoying financial losses, what and where to invest your money in order to earn, keep, or at least not lose, in order to receive monthly income and so that the wave of financial cataclysm does not completely absorb the money, as well as what purchases should you refrain from today, etc.?
But first you need to recharge. optimistic ... Just think about the fact that, unlike millions of other people, you have free capital today. This means that you did everything right before, and you have a chance to get out of this situation well and do it. The main thing- choose the most justifiable investment instruments.
What if you want to invest and earn money, but you don’t have any money. To do this, we wrote an article - where we also described what to do if banks and microloans refuse to give you money.
Read about ways to invest money in order to save and increase it below. There you will also find expert advice on where to invest during and after the crisis.
1. Where to invest so as not to lose - 15 ways to preserve capital
Each of the following ways of investing money is characterized by a greater or lesser share of risks. And at the same time, under favorable conditions, each of them is able to provide liquidity and profitability to your capital.
Let us consider in detail financial instruments and their capabilities, where you can invest money today in order to consistently receive monthly income.
1. Bank deposit - which bank is better to put money at interest
This method is hardly more profitable than saving money at home "under the pillow." It is hardly worth considering for a serious investor. Use wisely bank deposit only as a "transit" point on the path of capital movement into more solid financial instruments.
Invest money in Bank deposit not the most The best way capital increase, it can rather be attributed to a way to save your money.
Any economist will doubt the reliability " airbags »Bank deposit. Indeed, in the event of an urgent withdrawal of money, you can lose all the accrued interest. It is generally difficult for banks to part with dollar deposits.
If you want to entrust money to a financial and credit institution for a while, then the most optimal solution would be to distribute 1,400,000 rubles to various banks. Such a volume of deposits will allow you to reliably insure your capital in case of ruin of any of your chosen financial institutions.
Where to invest money to make it work - 7 ways I have invested in people
In which banks is it better to invest money at interest?
When deciding which bank to invest money in and where to open a deposit account, get acquainted with TOP 10 leading banks in the country, pay attention to their reliability rating. It is good if the state is the co-owner of the financial institution. It is unlikely that it is interested in the termination of the activities of their own banks. These include, For example, such "bison" of the Russian financial market, how Rosselkhozbank, Sberbank, VTB and some others.
We present TOP-5 banks in which you can safely invest your money at interest
- Sberbank Bank
- Bank "Rosselkhozbank"
- Bank "VTB24"
- Bank "Gazprombank"
- Bank "Alfa-Bank"
2. Acquisition of real estate (editor's choice)
There is a misconception that in order to start earning on real estate, you need to have a large start-up capital... In fact, there are several options to get all the benefits of investing in real estate having at your disposal a small amount from 200 to 1 million rubles:
- Using the principle of leverage and good debt
- By participating in a co-investment project when a group of investors jointly buys some tasty asset
One of the principles of investing that Kiyosaki constantly talks about is the use of good debt and leverage. The bottom line is that you use only part of your money to buy, and you take the rest from the bank at a certain percentage.
For example, you have 1 million rubles that you are ready to invest in real estate, consider two options:
You buy a small studio apartment in a new building in a provincial town for cash. When a new building is commissioned (about 1.5 years after the foundation pit), it usually rises in price by about 20-30%, that is, in fact, you will receive a profitability of about 1.5 - 2 times higher than the banking one.
Option number 2 - you take 1 million rubles and buy 3 apartments using leverage (mortgage). For each apartment you pay an initial payment of 10% and the rest is paid by the bank. While the new building is being built, you pay interest on the mortgage - about 10,000 - 15,000 for each apartment or 30 - 45,000 per month on a loan, then at the final stage, exit the transaction - under such a scheme, the profitability rises to 60 - 100 per annum.
Watch a fragment of Nikolai Mrochkovsky's seminar in which he analyzes this strategy in more detail:
Acquisition of real estate at the stage of closed sales
A real example of one of our investor Nikolai Mrochkovsky - he bought an apartment in a new building in the town of Gorodets in the Nizhny Novgorod region at an early stage at private sales for 975,000 rubles, after 6 months he sold it also at an intermediate stage through the developer's company for 1.3 million) His profit amounted to 325 thousand rubles for 6 months of investment, or 33% in just 6 months.
But such projects in open access usually do not appear, it is better to look for them at closed meetings and in investor clubs,
Investing in real estate with parent capital
Investing in real estate in 2017
During the collapse of the ruble square meters become much more accessible. However, this investment instrument requires a professional approach.
In 2017, we recommend considering real estate investment strategies that are focused on obtaining a stable cash flow, rather than counting on an increase in the value of real estate There is a high probability that the price tag for the sale will be low for a long time, and many new buildings are at risk of becoming unfinished
Investing in real estate will almost always preserve your investment, and with a competent approach to investing in real estate, it will increase your investment
Real estate investment options with stable rental income
Free investment knowledge base
41 ways to invest in real estate
If you are going in the future make a profit by renting out housing, then it is most rational to purchase several apartments now in a new single building or a tenement house. The rental price will be increased by such factors as the location of housing near the metro or railway station, the developed infrastructure of the area, the presence of large enterprises, airports, etc.
By investing in real estate for rent, you can consistently receive a monthly income. (This can include both commercial real estate (lease of commercial premises, warehouse, office, etc.) and residential (cottage (house), apartment, room, etc.))
Download a free business plan from Yury Medushenko
How to buy apartment house with bank money and receive from rent from 100,000 to 300,000 per month
It is advisable to carry out investment activities with real estate in the very apogee of the crisis. Determine the moment when the economic recession reaches the bottom, only a true pro can. Therefore, enlist the support of such a specialist. He will provide you with the best value for your purchase.
3. Investing in mutual funds
The essence of this contribution is as follows: you entrust your capital to a fund, where it is managed by a team of professionals. You pay for the activities of your money managers and you yourself are responsible for it. But for all that, it is a fairly stable source of average income.
It is important to choose a mutual fund with the most popular securities and hope that the market is not “stormy” from strong fluctuations. According to statistics, after the previous crisis, solid mutual funds managed to return money to investors only after 4-5 years. The most persistent of them were able to accumulate up to 40 % arrived. (What is a mutual fund, as well as about other ways of investing money in order to make a profit)
A significant advantage of this investment method is the ability to withdraw your capital or its share at any time.
4. P2P lending
We are talking about the so-called social loan, when ordinary citizens act as lenders and borrowers. The monthly return on such equitable lending can be as high as 50 % ... Your clients will be ready to conclude insured deals with you at one and a half percent per day.
True, the system that provides a platform for such microloans takes half of your every interest. However, you will have your 0.70% per day stably. And after some time, having withdrawn your deposit, you can already make money on profit.
5. "All or nothing" - binary options
This is sometimes called binary options. This investment tool either gives a fixed amount of profit, or gives nothing. It all depends on the fulfillment by its participant of a certain condition at a certain time. Here you can acquire huge capital, or you can lose it.
If you are not versed in the marketing topic, then fortune is unlikely to smile at you here. Only the “aces” of the currency sphere, who are able to predetermine the potential risks of a transaction, feel like a fish in water on a binary option. What are binary options and how to make money on them read in.
Binary options are a high-risk financial instrument, but where there is high risk - high profits
If you still want to try yourself in trading binary options, then we recommend choosing a reliable broker that has been providing its services for many years. For example, this could include a company IQoption.
6. Investing in someone else's business
Investing money in someone else's company is always a risk, especially in times of crisis. After all, it is not easy, as some believe, "put in and forget," but the interest "drips" by itself. To get profit, you need to be on 100 % confident in people you trust with your savings.
In Russia, such "numbers" are rare. Any business with us requires personal participation. If you nevertheless decide to invest in someone else's company, do not part with all your money at once - limit yourself to some part.
7. Investing money in your own business
Small-scale business is the surest way to increase investment in times of crisis. Of course, at the very beginning, you cannot avoid meeting with risks. However, having crossed the starting line, you can breathe a sigh of relief.
It is clear that counting on something great amid fading banking and salary arrears are hardly worth it. However, being passionate about something interesting and overcoming difficulties on the way to success guarantee moral satisfaction. (you will find business ideas with minimal investment, what kind of business you can start at home, etc.)
Business investment is an excellent investment in order to generate monthly income. See the picture for recommendations on where to start starting a business.
Well-promoted business is a reliable financial instrument where you can now invest money in order to receive monthly income, since it is the business that will not only generate stable income, but over time it will provide funds for investing in other financial instruments.
- Try to find your niche in the market with as few competitors as possible. Do not rush into the "pool" inhabited by "alien devils".
- Follow the beaten path: use ready-made models and business schemes - you will get fewer bumps.
- It is best to start with the sale of services, especially if there is not enough money to purchase goods.
- Try to do without bank lending.
- Don't be afraid to get started: it's not the gods that open firms.
8. Investment in precious metals
This is a proven way to save and increase your savings. Metals used to make jewelry are considered precious. Such valuable raw materials include palladium, platinum, silver, gold ... They are too tough for inflation, therefore they are always in favor with far-sighted people.
There are several ways to acquire precious metals:
- Buying bars in banks ( keep in mind that you will have to pay 13 percent tax if they are sold (after 3 years, no tax on the sale of property (gold) will be charged)).
- Purchase of coins from these metals (you can use the services of Sberbank - the main supplier of such products). Unfortunately, the value of coins was initially greatly overstated in relation to their value. precious metals of which it is made
- Purchase of art and antiques from precious metals.
- Buying gold-backed securities on stock exchanges.
- Creation of an impersonal metal account. In such an account, metals act as currency. At the same time, the person who opened the metal account does not actually have any metals on his hands. This convention is a huge plus: there is no need to keep valuables. Income from a virtual product is possible when metal prices begin to rise.
The profitability of this method of investing money is also not very high. In fact, no one will give you gold in your hands
9. The magic power of art
This reliable type of investment is far from being liquid for everyone. First of all, you should be well versed in art. Then the profit from these investments can simply go off scale. One painting masterpiece or one marble figurine can generate hundreds of percent of income.
It is clear that the cost of brilliant creations is not threatened by any financial cataclysms. However, finding their true connoisseurs is, oh, how difficult it is. Practice shows that by buying a true work of art, you can save one hundred percent money in times of trouble. But, as a rule, only 4 masterpieces out of 10 manages to sell.
10. Investing in venture funds
Investing in startups- innovative projects or enterprises - business, as profitable as it is risky. We are talking about the introduction into production of previously unused technical know-how. Statistics show that only 2 % enterprises justify such an investment. But the profit from them, as a rule, outweighs the rest. 7-8 % unsuccessful investment objects.
The contribution can be made not only with real money, but also with the promised amounts (commits). Profit should be expected in 3-7 years, until the financially sponsored companies are on their feet. Small businesses created in high-tech production areas have the greatest chances in this matter.
11. Investment in cryptocurrency
Cryptocurrency Is a new electronic means of payment that has come into practice on the threshold of a new millennium. Differs in a high level of protection. Bitcoin became the pioneer, followed by the remaining 150 of its "clones".
Today, cryptocurrencies are becoming real competitors to the usual money and significantly affect world economy... EBay and Amazon are already working with crypto tools.
Of course, like any innovation, cryptocurrencies do not yet have a wide distribution area. However, many experts believe that they are the future. Their main argument is the complete impossibility of inflation of a new type of money.
12. Investing in applications for phones (iOS, Android)
The most profitable business- Profiting from applications that can provide real help. It is equally profitable to invest in applications that aggregate useful information on a specific topic.
Also noteworthy are free applications, the distinctive feature of which is the sale of something.
13. Investing in groups, publics in social networks
Publics in in social networks Is one of the most common online messages today. Some try to make money on public pages, although this is a rather risky business - since there are a lot of scammers and schoolchildren in this field who come for easy money
The main thing is to be a mega-active performer. If you are one of those, you are guaranteed success. This activity does not require special investments. It is enough just to fork out a little at the initial stage. And in the future, the number of subscribers can be increased through exchanges.
A large role in this matter is assigned to the content of the public, or rather, its quality. You need to be able to choose a topic that is interesting to a wide audience. The relevance of the topic will attract a lot of advertisers. The most popular and maximally monetized are publics that touch on the problems of money, success, and gender relations.
On the basis of such a popular public, it is quite possible to establish a profitable sales channel. The main thing is that the products sold are not very expensive and intended for a mass user.
14. Purchase of a payment terminal
Payment terminals currently serve millions of people. The range of options for these software systems is constantly expanding. Using them involves a fairly high commission. Having bought several such devices, you will burden yourself with only one concern - to take money out of them on time.
15. Investing in yourself
Finally, let's talk about the main thing - investing in our own development. It's not just important. It is the starting point of any business success.
Do not spare money on the Smart books, useful seminars, efficient trainings, valuable information products, especially courses on investing and making money ... They will become your landmarks in the ocean of money flows and investment whirlpools. They will teach you how to avoid pitfalls and avoid shallows. With their help, you can quickly filter out unnecessary, ineffective earning methods.
The capital acquired in this way will always be with you. Under no circumstances can anyone take it away from you. He is not threatened by any force majeure, any crises. This is the lowest cost and at the same time the most profitable type of investment. After all, it is not just risk-free - it is anti-risk. Any investor can only dream of such a combination.
Without self-development, building an investment business is doomed to failure. Investing in yourself is a powerful generator of ideas and a unique catalyst for success.
Before deciding where to invest money at a high interest rate with a guarantee, you need to understand that such an investment is a difficult task, since a guarantee implies low investment risks. The activity itself (investing) is a risky business, therefore, in any case, where high profitability (high percentages) are present and high risks.
2. Where can you invest money to make money - 4 ways to profitably invest money
A fatal mistake is an unforgivable luxury for an investor. Especially in times of crisis. Therefore, experienced financiers know: a reasonable investment has nothing to do with what the people call "fever".
And one more taboo of an investor: he never reacts to the revelations of some unknown "investor-trader" Vasya Pupkin, accidentally found on the Internet.
Basic rules for breaking even investing
- Until you have experience, use only free funds for deposits.... This does not include money borrowed from someone, bank loans. Investing is always risky. Don't deprive yourself of your last penny.
- Don't invest with your last money
- Take care of passive income by regularly setting aside a portion of your salary.
- Keep in mind the "easy" money (won or inherited) tends to leave just as easily: you do not mind it, it is not earned. With them, you will need to be especially restrained.
- Do not deviate from your investment plan.
- Study each niche of your investment carefully based on the advice of competent people who have achieved real results and sincerely wish you success.
- Start learning investing right now, just like when you studied art or physics at school, most people remain poor only because knowledge determines success in any business - especially investing.
Let's consider the main ways where to invest money at a high interest rate with a guarantee.
Investment is a risky investment in order to generate income. Therefore, no one will ever give a guarantee that you will receive income from your investment. Each type of investment has its own risks, in some the risks are large, in others less.
Method number 1. Acquisition of shares
Buying securities can become a source of stable income. After all, having become a shareholder of a reputable company, you can count on regular dividends. But this investment tool needs to be mastered thoroughly. One cannot rely only on luck, although in the history of the stock market there have certainly been cases when the stock price has “skyrocketed” dozens of times over the course of several years.
However, more often there are unpublished stories with the loss of all capital investments. In order not to go broke, it makes sense to entrust the management of your savings to a professional trader with a credible track record of profitability.
Method number 2. Microcrediting in Webmoney
This payment service provides an excellent opportunity to make money on microloans. You can determine the amount of the borrowed amount and interest yourself. However, it will not be easy to return a loan from an Internet scammer.
So the risks of such online investment are quite high. Experts recommend acquiring a large clientele and issuing small amounts. And you can check the absence of claims against the virtual borrower using his account.
Method number 3. Investing in web projects (sites, portals, services, etc.)
The advantages of Internet investments include the following:
- the admissibility of their small volume;
- quick response;
- high level of profitability;
- the ability to scale the business without the threat of serious risks.
Now let's look at the features of various types of investing in sites:
1. Investment of funds for CPA-affiliate programs
The essence of this method is that you receive your reward for a certain action on the site, namely: registration in the game, product purchase, tour request, credit card processing... Similar partnership programs are necessary for the promotion of any selling resource. Moreover, each affiliate program solves its specific task.
For example, you are tasked with creating a landing web page by bank cards... You describe several offers and then give affiliate links. If the application of the user of your page is approved by the bank, you are entitled to a remuneration, say, 1,500 rubles (payment for each application is determined by the conditions of work in a particular bank).
The only difficulty here is to catch up with traffic. However, if your efforts have taken effect, such affiliate programs can be very profitable.
2. Investing money in MFA sites
This time we are talking about resources aimed at generating income from contextual advertising. You will hardly get a super-large gain from this type of earnings. However, it has one very big advantage - the ability to install an ad unit on the site almost immediately. (For example, Adsense blocks or YAN blocks (Yandex Advertising Network))
This means that the site will start making money almost from the first day of its existence. The level of profitability is largely determined by the topic of the site.
For example, a popular medical portal can bring from 15,000 rubles in monthly income (with an average traffic of 1,500 users per day).
It all depends on the ability to monetize traffic on the site. The most profitable sites for payments in contextual advertising are sites for financial, construction, etc. subject matter.
for instance, the average financial "trust" site can generate income every month in the amount of 10 - 30 thousand rubles on link sales.
True, at the current stage of development of search engine robots, the income from this type of investment has dropped significantly for many. Some even stopped betting on it, having analyzed the unprofitable dynamics of income.
The main disadvantage of such monetization - after it, the site can be confidently written off to the scrap, since search engines can impose sanctions on web resources and then the traffic to the project will fall, respectively, and the income from the sale of links too. If the site earns by this "unclean" method, you will not see a lot of traffic for "clean" methods of income (contextual, banner advertising, etc.).
Method number 4. Investing in PAMM accounts
This type of investment in Forex is becoming more and more attractive today. The amount of the deposit may be limited to just 500 rubles, which contributes to the growing popularity of PAMM. The mechanism of this method of investment is to transfer money savings to the management of a professional trader. This virtually eliminates non-trading risks. (We recommend reading in - How to trade on Forex market, where to start playing on the Forex exchange)
The guarantee of the safety of the investor's interests is the presence of the manager's capital on the PAMM-account. The latter is only allowed to make transactions on the account without withdrawing the principal's money from it. The depositor can always follow the course of transactions online or view the history of their execution.
Big plus PAMM investing is a contributor's opportunity fully dispose of their funds , entering and withdrawing them at your own discretion. An investor can also diversify his money by placing on PAMM accounts of various traders. You can also perform trading operations yourself, copying the deals of experienced traders.
Method number 5. Earnings in summer cottages and summer cottages (editor's choice)
Dachas are one of the most undervalued markets today and here's why:
- Now it has become fashionable and profitable to have a rest in Russia again.
- You can now register at the dachas
- You can live in dachas all year round and connect all the necessary communications
- Transport accessibility in big cities has grown significantly
- The dacha market has not yet won back the new conditions and there is practically no competition on it, while there are more and more people who want to buy a house for a weekend or for a vacation every day.
Watch a lesson from our expert - Anton Murygin, who specializes in this special type of real estate:
3. Where to invest money to get monthly income - 4 expert advice where to invest money
2017 in Russia promises to be years of testing for all citizens, including investors. So that it does not become ruinous for you, experts unanimously urge you not to keep your savings at home. In a year, they can depreciate by 10-15 % , or even higher.
You should also follow the forecasts of specialists and the advice of experts in various sectors of the economy and, of course, rely on your sixth sense.
Where is it more profitable to invest money now? What investment recommendations do experts give in 2017? In what areas of investment now, in their opinion, are the minimum risks for the placement of funds? Where to invest to get monthly income?
Expert advice # 1. Commercial bank deposit
This financial instrument, which is popular among our compatriots, is recommended to be used, first of all, for those who do not seek to increase their capital, but only to protect it from depreciation.
It is expected that in 2017 the inflation rate in the country will reach 13% - 15% (the Ministry of Economic Development predicts inflation at 5-7%, but it all depends on the state of the economy and we can safely assume that inflation will reach the aforementioned 13-15 percent). Meanwhile, the interest on deposits in national currency averages 10-13%. Thus, interest payments in banks should cover the cheapening of money.
However, when giving your savings to banks, you need to take into account two important points:
1 . When choosing a deposit program, give preference to the most solid and stable financial and credit organizations... Today, the first positions in the reliability rating are occupied by such large financial institutions as Sberbank, Gazprombank, VTB, FC Otkritie and Rosselkhozbank.
2 . Before opening a deposit with a financial institution, you need to clarify whether it is a member state deposit insurance programs... If you receive an affirmative answer, you can open an account without fear, depositing up to 1,400,000 rubles : such a deposit is considered insured, and, in case the bank loses the license, it will be guaranteed to be returned.
Expert Advice # 2. Investment of funds in real estate
Experts reasonably believe that investment in residential buildings in 2017 is a long-term investment. Now many industries have already begun to win back the sharp jumps in the rate and prices have pulled up, real estate is still holding, and many developers and private owners give good discounts.
But if you know how to wait, then such a use of your money will be optimal. In a couple of years, prices will rise again, and you will be the owner of a decent profit.
Experts give the following instructions regarding the choice of investment objects:
- Don't invest now (buy) commercial real estate.
- It is advisable to purchase housing in small, but promising cities: it is they who will become the "first swallows" in terms of rapid development in the post-crisis period.
- The ideal option is to acquire one- and two-room apartments: they are easy to rent out even in times of crisis; moreover, they are considered the most liquid type of real estate.
- To successfully sell a home after the crisis is over, it is often necessary repair it, take care of finishing work, which will give the room an imposing and respectable look.
- Reputable investors can consider proposals in foreign real estate markets. Today there is a rise in prices in the markets PRC, Thailand, Morocco, Brazil, Malaysia... And the cost of housing in these countries is not much higher than in the Russian market.
- If you do not feel confident enough in this area, hire a pro and pay him well. The financial assistant will warn you against many risks, obtain valuable information for you about promising construction projects located in residential neighborhoods. You will definitely not go wrong with this advisor.
Expert Advice # 3. Foreign exchange investments
This type of investment is considered a worldwide recognized way of income in a crisis economy. Experienced depositors can make good money in a few weeks by transferring money from one currency to another. (We recommend reading -)
However, foreign exchange investors need to take note of the following information:
- Those who are willing to take risks can make traditional investments in dollars and euros: the value of these currencies will change depending on fluctuations in oil prices and the alignment in the world political arena. The main thing is to keep track of forecasts when concluding contracts.
- A more conservative group of depositors it is necessary to give preference to more stable currencies - the Swiss franc, Chinese yuan or pound sterling.
- The acquisition is considered promising now euros and dollars with the aim of selling them next year, when an increase in market value is expected.
Expert Advice # 4. Investing in your own online business
The most profitable business in the context of current economic problems is conquest of virtual space . The production of goods, as well as the provision of services, are extremely risky ventures in today's real market. Therefore, experts advise to invest (invest) money in Internet projects.
Your own Internet project can be created in various ways:
- in the form of an online store selling consumer goods;
- in the form of a personal blog or forum providing users with paid services or consultation;
- in the form of an information portal that allows you to place, for a fee, advertisements and advertising banners of third-party organizations and individuals.
It is best to order a website and its promotion for IT specialists, and then constantly fill it with high-quality content and relevant offers. Unlimited network activity by territorial and time frames is the best prerequisite for its profitability.
Other options for wise investments in 2017, according to experts, are:
- investments in PAMM accounts;
- own foreign exchange reserves
- investments in blue-chip stocks and bonds;
- but we emphasize that real estate remains the most stable and interesting
These are typical pyramids like the infamous MMM. Crazy profits - up to 3% profit - only their creators shine here. The lifespan of such a pyramid is from a year to a couple of months.
Another continuous gamble is online casino... No one has yet managed to win big money in it, but it is quite possible to drain all the capital. Fraudulent scheme online games are built on the inability of a gambler to stop in time.
If you are not in control of yourself, it is better not to have anything to do with either real or virtual rogues. Don't be tempted by "free cheese": the pursuit always ends with the click of the mousetrap door.
5. Conclusion
So, you have learned about the most popular ways of investing during the crisis and got acquainted with the opinions of authoritative experts on this matter. Now it's up to you. After all, it is up to you and only you to decide where to invest your money (your acquired capital). The burden of responsibility for the decision will also fall on you.
Perhaps the choice of objects for investment in this moment not as wide as many would like. Moreover, the situation in the country is so unpredictable that all forecasts are very relative. Therefore, you need to keep your eyes open and be able to quickly rebuild. The main thing to understand is: a crisis
The question of where to invest money so as not to lose it is always relevant, and even more so in conditions economic crisis, which, unfortunately, is still relevant in 2019. The opinions of different experts differ. Each potential investor can choose the most suitable option for himself, based on the possible profitability and the risk of capital loss.
General principles of investing money
Regardless of the direction that will be taken, to minimize the risk of capital loss is worth, adhere to the following rules:
- For investment, it is advisable to use only free money that remained after covering all mandatory costs. Investing by credit funds carries a very high risk of being in a debt trap: in case of failure, you will have to pay with current income, the amount of which may not be calculated for such costs.
- You should not plan in advance how to spend the income that you can potentially get from investing. If successful, it is better to add it to the main capital.
- Before dwelling on one area, it is worthwhile to study 2-3 options in more detail. Next, you need to draw up a flexible plan that can be adjusted if the external conditions change.
- Need to collect maximum amount information about the chosen area, before parting with your money for a while. It is always worth remembering the possibility of fraud on the part of counterparties. It is necessary to constantly monitor the situation, this will help to withdraw your funds on time.
- If you have a sufficient amount, investments should be diversified.
Deposit - minimum risk and income
One of the most reliable ways of investing money (at least in order not to lose) is a bank deposit. True, this investment option does not provide an opportunity to count on a large income. This is most likely a way to save your funds from inflation. The main rule is not to invest more than 1.4 million rubles in one bank. This rule will allow you not to worry about the safety of funds, even if financial institution will be declared insolvent. When choosing a bank, it is necessary to be guided not only by the highest rate. It is better to study the offers of the five largest banks and choose the option that is suitable for the term, the possibility of replenishment and early withdrawal. In addition, if necessary, the deposit can be terminated without waiting for the expiration of the contract. Interest, if they were not
Comes to the end 2016 year, which means that it's time to think about the question - "Where to invest money in 2017?" ... Today I will tell you about my vision of the situation and give specific investment recommendations. But I want to note that this is just my vision, and you need to make the final investment decision yourself, not forgetting about.
So, before considering investments for next year, let's see how correct they were.
Analysis of the forecast for 2016
It is likely that in the first half of the year, the ruble will strengthen slightly, because our national currency for recent years tended to strengthen in the first half of the year. So the following strategy might make sense - sale of currency in early February, followed by its purchase at the end of May.
I was partly right here. In the first half of the year, the ruble really strengthened significantly. But with regards to the second half of the year, my forecast did not come true - the ruble was kept in the range 62.5-65 rubles per dollar, and now dropped even lower. However, in the second half of the year, the strengthening of the ruble was not as strong as in the first.
at yuan and at Chinese securities now available huge potential for growth. So that I recommend paying attention to the yuan and to the Chinese securities. For example, offers to buy China Stock ETF (ticker - FXCN).
The potential has not yet emerged. This idea brought a loss of almost 12%
if you bought Fxcn v early January... It was more correct to buy Fxcn v May, then the profitability to date could be a little more 8%
... In general, this is in line with my predictions that with January on May it was necessary to lean on ruble assets.
Not a bad option for long-term investment can be . Although many predict a fall in the gold rate next year to $ 750-950 per ounce, nevertheless, it must be admitted that gold is clearly underestimated now. This means that a global trend reversal is about to occur. This is also supported by the regularity that when all analysts agree and speak with confidence about the continuation of the trend, the trend reverses. This does not mean that the trend will reverse in 2016. But gold is a long term asset you can wait.
Again, considering the possible strengthening ruble in the first half of the year, from the beginning of the year, it is better to focus on ruble-denominated assets, gradually decreasing their share until summer, while increasing the share of gold.
If you bought FXGD (for gold) at the beginning of January, and if you sold it now, you would have lost about 12%
... Well, in relation to dollar even grew a little. In general, the global trend reversal has not yet happened, but this only suggests that the reversal has become closer.
I believe that investing in Russian and can bring a good profit in 2016, since over the past years their value has not increased significantly and, accordingly, good potential for growth has accumulated.
Here I got to the point. Investing in stocks using my method would bring you about 55-60%
... And if you invested in January ETF on Russian bonds - FXRB would also work on the order of 60%
.
Make bank deposits better at the beginning of the year and for a long time, because Central Bank took a course towards lowering the rate, which means that the rates on deposits will go down.
On the other hand, I very much doubt that the rate will be significantly reduced during 2016. Most likely, the decline will be insignificant.
Here, too, he was right. Over the year, the key rate was reduced by 1%
, truth December 16 next meeting is planned Of the Council.
Property prices continue to decline. Some analysts predict this decline may continue up to 2020. Population incomes are falling and, accordingly, the demand for housing is falling. So that buying real estate is not the best investment now.
Here I was wrong. For example, housing prices in Peter grew by 2-3%
... Taking into account the rental income, it was possible to earn 8-10%
.
What will happen to the ruble?
In my opinion, the ruble has already strengthened enough and ahead of him waiting for the fall, since there is a budget deficit, import substitution is not working yet, and the Reserve Fund is almost at zero.
According to Elliott theories, oil is likely to become much cheaper in the near future. But even if this does not happen, and it will grow, for Of Russia this is not so rosy, since competitors are squeezing us out on the oil market. After all, our oil has a high production cost, while shale competitors are on the alert and are reducing the cost. Huge reserves of shale oil and gas are held by Chinese, and they are already mastering the mining technology with might and main.
Although, it may be like in the picture, but I doubt something 🙂:
My prediction is this: either get rid of ruble assets right now, or keep abreast and wait for the right moment, since wooden rubles 5
the dollar is still able to win back before the fall.
Best investment options in 2017
China
My forecast for China did not come true in 2016 year, but now the prerequisites for growth Of China even more. It is likely that China in the long run will be able to squeeze USA from the place of the world leader. By the way, historically, China has always been ahead of the rest of the world, and USA took over leadership relatively recently.
So, about the prerequisites. The fact is that v september this year, the largest provider of investment indices, the company MSCI announced the addition of Chinese A-Shares to the index MSCI Emerging Markets Index. Considering that the largest investment funds of the world hold shares in shares approximately equal to the shares of these shares in the most popular indices, one of which is precisely Emerging Markets Index. Thus, the demand for A-Shares should increase a lot soon. In the coming 5-10 years v A-Shares will join hundreds of billions of dollars, which, of course, will affect the prices of these shares and the Chinese economy as a whole.
The easiest way to invest in Chinese economy
- buy ETF China on the MICEX (ticker - FXCN)... By the way, you can buy it in mine by paying with a regular bank card.
Eurobonds
If we take the scenario with the fall of the ruble as a basis (which, as you probably already understood, I consider the most probable), then it makes sense to invest in Eurobonds.
This can be done by purchasing at Moscow stock exchange ETF under the ticker FXRU - Eurobonds of Russian corporate issuers, denominated in dollars.
Fxmm- it ETF on short-term US Treasury bills (1-3 month US Treasury bills) with ruble hedge traded on MICEX... WITH ruble hedge- this, in other words, means that they will grow in ruble terms at any ruble-to-dollar exchange rate. Per 2016 year in rubles FXMM added a little more 8% .
The advantage of this investment is, firstly, practically zero risk, and secondly, opportunity to get up 13% on.
Risky investments
This electronic currency causes me conflicting feelings... On the one hand, the future belongs to technology, and cryptocurrencies are gaining more and more recognition in the world, and the world banking elite is already afraid of them, as they are able to bring down banking system... This speaks of good prospects for bitcoin, since in the event of a fall in the dollar (they have been talking for many years that he is terribly overrated and sooner or later the bubble will burst), bitcoin, along with, will become one of the protective assets into which capital will flow.
On the other hand, the fact that he stands across the throats of the world's bankers can provoke various kinds of interventions on their part aimed at reducing his exchange rate. Their arms are long - they own everything from media to entire states. Therefore, information attacks or even bans bitcoin at the legislative level can greatly ruin life "Crypto-investors" bringing down the cue ball. Especially, bullish trend (rising price) long enough, which may indicate overbought bitcoin.
In general, I it is not yet clear what will happen to this currency in 2017 year
, but in order to diversify, interest can be allocated for it 5
investment portfolio. Though, it is better to wait for a significant decline and then buy.
Conservative options
Foreign currency deposits
The simplest and one of the most reliable investment methods is a banal bank deposit. And since the prospects for the ruble are not very bright, then I would recommend paying attention to foreign currency deposits. Especially The fed raised the key rate and plans to raise it further next year, which means interest on dollar deposits will rise.
You shouldn't discount the euro as well, although he is going through hard times now.
Generally, a good decision would be to make a deposit, both in dollars and euros. Let's say in the ratio 50/50
.
The property
Investing in real estate is classical reliable way investing money. Even if it is not the most profitable, it also carries few risks.
The property - an asset with a sufficiently large entry threshold and not every investor can afford such investments. But if you have money - why not ?!
Generally, the less your capital, the more you can risk. And as you increase your capital, try to reduce your risks. Therefore, large investors are very fond of real estate. Although the percentage is small, a decent income is obtained from a large capital that allows you to live "On a grand scale".
Conclusion
Summarize. A good investment option in 2017 could be a portfolio of this type:
Write in the comments about what you agree with and what you disagree with. Write down which asset you personally consider to be a promising investment in the coming year. In a year we will return here and read - maybe you will turn out to be the best Invest-Nostradamus 🙂
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Each of us has thought about passive income at least once. But not everyone was able to invest money correctly and get at least some profit. On the contrary, due to unsuccessful investment, many investors have lost all their savings. So is it possible to have passive income? And where to invest in order to receive monthly income?
It is no secret that today the best way to save and increase money is to invest it in something. However, in order for passive income to appear, the investor must work hard. It's not just about sums of money, which he is ready to risk, but also about the daily forecasting, and making important decisions.
Thus, investing is the process of investing money in order to make a profit. Moreover, the receipt of income can be both in the short term and in the long term.
Also important is the fact of the availability of funds that will be profitable. In order to accumulate the required amount, the future investor must set aside at least 1/10 of his active income, as well as thoroughly study the investment market.
Things to Consider When Investing Money
In order for investments to bring the desired profit, the investor must take into account the following rules:
- You only need to invest free funds... Free money is the amount left over from making necessary payments and covering needs. If you ignore this rule, you can get into a difficult financial situation. Also, do not risk the funds borrowed. Regardless of whether the investment was successful or not, the bank will still have to pay monthly payments;
- Don't count on passive income right away... Surely the investor will have to direct all the profits earned to increase the initial capital;
- A smart investor always makes a plan... It clearly reflects the amount of money invested, and the operations carried out. The main rule in drawing up such a plan is that it must be flexible enough to be able to adapt to changing economic processes;
- Every investor knows that: "You shouldn't put all your eggs in one basket!" In other words, you don't need to invest money in just one project. With careful analysis and a competent approach, at least one of the directions should bring profit;
- Constant control... It is necessary to regularly monitor the situation in order to make decisions in time and prevent possible losses;
- Don't count on instant profit... Projects that promise fast and big money are the work of scammers. If you encroach on tempting offers, then you can be left without savings.
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Following these simple rules will help investors not only save money, but also make a lot of profit.
Types of investment in 2017, and their description. Investment forecast for 2018
"Where is it profitable to invest money?" - this question worries every investor. In order to answer it, you need to know what types of investment exist.
The methods of investing money are presented in more detail in the table:
| P / p No. | Investment type | Description | pros | Minuses |
|---|---|---|---|---|
| 1 | Own business or "startup". | Considered the most profitable investment money. | Unlimited investment period; Profit level entirely depends on the entrepreneur himself. |
Hard type of investment; has a low level liquidity. |
| 2 | Bank deposits | Deposit is the most common type of investment, with the purpose of generating monthly income. |
High level of liquidity; stable income; money insured by the Deposit Guarantee Fund within the amount, established by the state. |
Short-term investment; deposits of Russian banks in the period from 2017-at the beginning of 2018 have a low interest rate; the level of remuneration on deposits depends on the economic country processes. |
| 3 | Securities | Buying securities can be huge profits | Stable income; average level liquidity; long term investment. |
The purchase of securities is carried out on the stock market through brokers, who charge a certain percentage for their work; a detailed study of the stock exchange is required, as well as considerable initial capital. |
| 4 | Real estate or land | The most popular type of investment | Stability, high income, long-term investment | A large initial capital is required; low level liquidity. |
| 5 | Precious metals | Valuable metals are: gold, platinum or silver Gold, in turn, is an indicator of inflation in the country. |
It is required to pay Special attention to storage conditions jewelry; instability - the cost of precious metals may fall sharply. |
|
| 6 | Foreign currencies | Purchase foreign currency will be able to bring considerable income, if you buy it at a low rate and sell it for a higher the price. However, in Lately buying foreign money conducted only for the safety of funds. Now the most profitable to buy Yen, and Yuan. |
Long-term, high level of liquidity | Not all Russian banks work with the Yen, for example. Moreover, to exchange such currency, you will need to give it to the bank commission of 10%. |
| 7 | Cryptocurrency | This term has recently appeared in Russia, and is understood as "Virtual currency" or "bitcoin". For it you can also buy goods and services on the Internet subject to consent the seller. |
Medium-term investment; does not require a big start capital; ease of purchase; the currency has a huge potential. |
There is a nebulousness of transactions; The buyer has a lot questions rather than answers; it is not clear who is selling, and in what the moment the cryptocurrency collapses. So you have to make deals only based on own intuition. |
| 8 | Forex | It is the same exchange office, but only in the internet. There is a purchase and sale of currency, valuable papers, gold and so on. Investor invests his savings in PAMM accounts. Many banks have their own traders, and it's not bad make money in the forex market. |
Medium-term investment; high level of income; high liquidity. |
High risk. To be able to trade forex required knowledge is required. Otherwise it will not investment while playing in a casino; You need to be careful refer to the choice of a broker. There are a lot of fraudulent sites. |
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The above list of investments is not exhaustive, but it is the most relevant in Russia. There are many more different types of attachments, for example, venture investments, shares, antiques, and more. From all the variety of investment types, the investor can choose the most suitable one. However, don't forget that there are always risks.
What are the risks of investing money, and how to minimize them
Investing is taking risks. It is no secret that the biggest risk is the loss not only of profit, but also of all capital. However, there is a certain relationship between risk and return. The higher the risk, the higher the investor's profit level will be, and vice versa.
In order to minimize risks, an investor should be very careful with his strategy. Investing is not a place for emotions, so it is important to clearly understand the situation and take the necessary actions in time.
At its core, investments are:
- Low risk;
- Medium risk;
- High-risk.
Low risk investments enable the investor to receive a small but stable income. These include: bank deposit, bills of exchange, savings and insurance programs. In the event of bankruptcy of the company, the initial capital of the investor will be fully returned.
Medium risk investments bring a high level of income. However, there is a risk of losing most of the capital. This category of investments includes: shares of commercial banks, renting out real estate, shares, etc. It should also not be forgotten that many commercial banks offer higher interest rates. If an investor decides to place money on the deposit of such a bank, he must understand that the deposit guarantee fund does not insure such investments, and if a banking institution goes bankrupt, there is a risk of losing all savings.
High risk investments can bring the investor huge interest rates. These include: Forex, your own business, cryptocurrencies, and more.
The success of an investor depends not only on the correct choice of investing money, but also on how much he knows how to manage the investment process itself.
In order to become a successful investor you need:
- To carry out constant monitoring of the economic climate of the country and in the world;
- Develop a strategy and action plan;
- Stable financial support. For example, salary.
- Availability of insurance;
- Provide the investment process with everything you need. This is not only a material base, but also technical equipment;
- Constant control of the investment process;
- Ability to make quick decisions in difficult situations.
From all of the above, it follows that investing is a huge and hard work that requires special knowledge and skills, as well as colossal patience and endurance.
The variety of investment instruments available creates the illusion of ease of choice. Novice investors may get the impression that in order to get guaranteed income, it is enough to take into account only interest rates and return periods. Meanwhile, successful activity here is impossible without analyzing the market situation, taking into account risks and careful planning.
Only as a result of this work, you can reliably say where to invest money in 2019 so as not only to save, but also to increase your fortune. For example, at first glance, promising investments in HYIP projects are almost guaranteed to lead to the loss of not only profits, but also the main part of the contribution. On the other hand, the purchase of gold cannot be considered an investment at all, since receiving benefits from such an operation, if possible, will be in the very distant future.
The combination of theoretical data and practical experience makes the formation of an effective investment portfolio much more realistic. At the same time, there is no need to be afraid of mistakes - failures were encountered on the way of all outstanding investors. However, care should be taken to ensure that the consequences of miscalculations are not catastrophic.
The property
The popularity of real estate transactions among novice investors is due to the simplicity and intuitiveness of this tool. On the question of where to invest money in 2019, the advice of experts does not contradict such views either: investments in residential properties are safe and profitable due to the constant increase in their value. But to commercial real estate should be treated with caution, as the price is often overpriced, and the prospects for making a profit are doubtful.There are two possible areas of investment: speculation (resale at a higher price) and creation passive income(renting out real estate).
In the first case, real estate is bought at an early stage of construction, when its value is about a third less than the price of the completed object. When choosing where it is better to invest money in 2019, one should pay attention not only to the prospects of the area, but also to the reliability of the developer, his reputation, and the number of projects handed over. In this way, the risks of bankruptcy or construction freeze are minimized.
In the second case, it is preferable to work with small objects - one-room apartments medium-sized apartments are much more popular than huge apartments. In this market, you can easily find: such an amount will serve as the first installment under the mortgage agreement, and subsequent payments will be covered by the rent.
Benefits of real estate investment:
- Housing prices are practically independent of inflation;
- A wide range of objects within one investment instrument;
- There are many options for where to invest money in order to receive monthly income;
- The ability to save investments - in any process on the market, real estate prices end up growing, and you can always sell it;
- Loyalty to the qualifications and professional training of the investor.
Potential risks and disadvantages:
- Insufficient liquidity, real estate cannot be sold quickly and without some losses;
- High entrance threshold - from half a million rubles.
Stock
Working in the securities market requires more serious preparation: without such, it is difficult to choose where to invest money in order for it to work, find a promising company, and pinpoint the moments when to buy or sell shares.Contrary to popular belief, the main income when working with stocks comes not from dividends, but from the change in the value of securities over time. This indicator is influenced by the success of the issuing company, the activity of its competitors, natural and political factors, and the state of the market. Therefore, when determining where it is profitable to invest money in 2019, you should choose one of two possible strategies:
- Long-term investments in stocks of industry giants showing slow but steady growth. Such investments are characterized by lower profitability, but high reliability;
- Short-term purchase of shares of newcomers with significant potential and an upward trend. The risk is higher here, but the possible profit can be hundreds of percent.
It is rather difficult to determine where to invest money in Russia: 2019 is likely to be characterized by an increase in the value of shares of enterprises in the defense, mining and agricultural industries. It is also possible that there will be positive changes in real estate and in the field high tech... However, through the intermediary of a broker, you can work with shares of any company in the world.
Benefits of buying stocks:
- Long-term return on investment, especially when dealing with blue chips;
- Inflation is indirectly included in the share price and does not affect the investor's capital;
- The possibility of a multiple increase in the value of shares of actively developing companies - where to invest in 2019 can be very profitable.
Disadvantages and possible risks:
- Bankruptcy of the issuing company;
- The absence of any guarantees of growth in the value of securities.
Investments in stocks are not of the "put and forget" type. This requires constant monitoring of the market situation, diversification and correction of the investment portfolio, fundamental and technical analysis - otherwise the losses can be quite tangible.
Bonds
Another type of securities that can be considered as a popular investment instrument are bonds, which are issued not only by private companies, but also by the state to raise funds on terms more favorable than bank loans. Such debentures are freely traded on the market, and sometimes their value is much higher than the one declared by the issuer.When considering where to invest money in 2019, you can choose between short-term bonds (valid for up to a year), medium-term and long-term (valid for more than three years). In addition, there are coupon and discount bonds: in the first case, the owners of securities are paid regular remuneration in accordance with interest rate, while in the second, the security is sold at a reduced price, and is redeemed by the issuer at its full cost.
Before deciding where to invest money in Russia, you should pay attention to the following factors:
- The reliability and solvency of the company that issued them. Will she be able to buy back the securities at the right time, or will she declare bankruptcy?
- The level of profitability. Too high a percentage (more than 12-18%), and especially for little-known companies, is a kind of alarm signal indicating the doubtful likelihood of the issuer fulfilling its debt obligations.
- Operations with bonds, as well as the subsequent payment of income, are carried out through the intermediary of a broker. Therefore, when choosing, one should pay attention not only to the reliability of the company that issued the bonds, but also to the reputation of the intermediary: cases of fraud are sometimes encountered here.
Benefits of working with bonds:
- One of the most reliable tools. If you choose where to invest in Russia in 2019 in order to guarantee capital preservation, then bonds are best suited for this;
- The ability to freely sell and buy debt securities;
- Ability to buy bonds with denominations in foreign currency.
Disadvantages and possible risks:
- Long-term investment;
- Relatively low level of profitability.
Investment funds
Investing in securities does not have to be accompanied by the acquisition of specialized knowledge, the study of economic theories and market research. For such investors who are looking for where to invest a small amount of money in 2019, there are mutual investment funds in Russia that collect their portfolio from stocks, bonds and stock indices.Note that when trading on the stock exchange alone, it is impossible to buy part of a stock or bond, and their full value may exceed the capabilities of a novice investor. Therefore, funds form shares from their assets, much easier due to the availability of prices. In this case, the acquisition of a share or part of it means the transfer of the depositor's funds to trust management to the fund specialists, and income is received at the time of its sale.
By the way of working with investments, open, interval and closed mutual funds are distinguished. An open-ended mutual fund involves the free sale and purchase of shares at any convenient time. In interval, this can be done at set intervals, and in closed - only after the completion of the project. The profitability of the fund depends on this: the free circulation of shares makes any long-term financial planning impossible. When choosing where to invest a small amount of money in 2019, it is better to pay attention to closed-end and interval funds.
The advantages of investing in mutual funds:
- Availability of investments for people who are not versed in theoretical economics;
- State control of activities;
- Full transparency of the fund's activities;
- High liquidity (a share in an open-ended fund can be sold in 2-3 days);
- Acceptable return on funds for those who choose (up to 40% per annum);
- The availability of the instrument (the minimum contribution is from a thousand rubles).
Disadvantages and possible risks:
- There are no guarantees of receiving income;
- No deposit insurance in case of bankruptcy of the fund;
- The remuneration to the manager is paid regardless of the results of the activity;
- Government restrictions on working with certain types of assets.
Investing in PAMM
A PAMM account is a form of trust management in which an experienced trader uses investors' funds for exchange trading. Security guarantees here are the restriction of access to the accounts by the investor and the manager's own account.
Before choosing where to invest a small amount of money on the Internet, you should study the information provided by the broker in detail:
- The history of traders' transactions and the success of its activities;
- The trading tactics of each of them;
- Profitability levels of accounts of different traders;
- Age of accounts - preference should be given to those who have been working for at least a year;
- The size of the manager's remuneration;
- The minimum deposit amount (if you are looking for where to invest small money);
- Trading period of time for which funds are transferred under the trader's control (usually 2–4 weeks).
The return on investment depends on the trader's trading experience and strategy. Some of them prefer to work with minimal risks and choose guaranteed successful deals, providing a level of profitability of 15-20% per month. Others engage in aggressive, risky trading and reach rates of 45-60% per month. Considering, it would be logical to divide the contribution into 5-6 parts and invest them in the accounts of several managers who practice different approaches to trading activities.
Benefits of investing in PAMM accounts:
- High profitability (over 15% per month);
- Fast turnover of funds (several weeks);
- Lack of non-trading risks (the trader does not have direct access to clients' funds);
- No special knowledge is needed (it can be decisive when choosing where to invest a small amount of money);
- Low entry level for an investor (from 500–1000 rubles);
- Transparency of the trader's activities;
- The ability to diversify deposits within one instrument.
Disadvantages and possible risks:
- Lack of guarantees of the success of transactions when trading on the exchange;
- The need to check the reputation of the broker.
Startups
An investment instrument such as investing in startups differs from those mentioned above in the highest risk and the highest return. This illustrative example Moreover: the profit from the launch of a successful project can be 600-700%.
Startups are implementing revolutionary ideas not only in the field of information technology. On the stock exchanges there are offers related to agriculture, medicine, public services or industrial production... Of course, this diversity affects the fact: you can always find a team of young entrepreneurs working in a field that is familiar and understandable for the investor.
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There are several mechanisms for investing in startups:
- To conclude a cooperation agreement with a venture capital fund engaged in the search and development of interesting and promising projects. The advantage of this method is that the newbie will not only be told here, but will also select a project that meets the specified criteria;
- Find a startup on your own at a stock exchange, fair or in any other available way (become a business angel);
- Become a member of an investment pool that unites several investors. In this case, risks and rewards are allocated in accordance with the share of each participant.
In addition, risks can be minimized if you personally assess the qualifications, training and coherence of the startup team, study the proposed business plan and related documentation, and draw up a legally sound investment agreement.
The benefits of investing in startups:
- The profitability of successful investments is thousands of percent;
- You can become a co-owner of a unique product or service;
Disadvantages and possible risks:
- High risks (75% of startups turn out to be unprofitable);
- The presence of fraudsters on the market;
- Many aspiring startups have a lack of entrepreneurial experience.
Conclusion
When looking for projects, novice investors regularly make several typical mistakes that significantly increase the risks:
- Succumb to the influence of incompetent advisers - relatives, acquaintances or unknown authors on the Internet, teaching, on investments;
- They rush to get the first results, neglect planning and choose the tools relying on intuition;
- They make decisions under the influence of emotions - they are overly inspired by examples of successful investments of friends or succumb to panic, withdrawing capital from circulation with huge losses.
To avoid this, you should be critical of any unverified or unconfirmed information, take into account only the advice of experts and constantly educate yourself, studying the rules and principles of successful investment.
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