The profitability of investment projects on the Internet. Where to invest money, or the most profitable investment. I'm a variety - banking projects

Hello! In this article we will tell you about investing on the Internet.

Today you will learn:

• On the specifics of investing on the Internet;
• How you can start making a profit;
• About the rules of online investment;
• And how can you make money with only 100 rubles.

The Internet has made many areas much easier Everyday life... But most of all, he influenced the financial sector. Now you don't have to wait a few days for remittances, cash has almost completely disappeared from the turnover of companies, and banks are already giving out loans on the Internet with might and main.

Investment activity is also gradually moving to the Internet, but the rules for investing in the World Wide Web are still only being formed. So what to invest in on the Internet? How can you get the maximum profit? And what risks await those who dare to invest in the World Wide Web? You will learn about all this below.

Features of investing on the Internet

Websites are made for several purposes:

• Profit from advertising;
• Sale of goods or services;
• Self-promotion.

The most popular way to make money on a site is advertising, and for this, dozens of sites are created every minute, only one of which will bring real profit to the owner. In order to require minimal knowledge in the field of site building and promotion. But most of this knowledge is acquired along the way, and the main thing in creating a website is to get started.

Startups

Investing in is quite risky, but lucrative idea... There are many services on the network on which people collect money for their new and ambitious projects. Investments in their business involve the presence of a share and, accordingly, a claim to the company's income.

To understand the likelihood of receiving investments, you need to refer to the statistics:

20% of startups turn out to be profitable for investors. 60% come to a break-even point and end their activities. 20% bring losses. Accordingly, 1 out of 5 startups will make a profit, 3 will win back investments and 1 will be unprofitable.

That is why you need to invest in startups with a minimum amount of knowledge. First, you need to carefully study the niche, then the project, and only then make a choice whether to invest in it or not.

Mutual lending platforms

Mutual lending among individuals is what the market has come to over the past few years. The emergence of microfinance institutions has left the niche of short-term and cheap lending open. And platforms entered the business, which distribute money between investors and creditors. Most often by individuals. Interest rates on such sites are higher than in banks, but lower than in microfinance. They bring up to 50% per year.

There is one more service for mutual lending - Debt Webmoney. There, users independently issue loans to each other. Interest on loans can reach 100% per day, but the risks are also quite high. About 70% of loans through this system are not returned to lenders.

Deposits with MFOs

Microfinance satisfies the population's need for quick money, but own funds they often do not have enough for this. That is why they attract deposits from individuals and in large volumes. You can become a depositor by going to the website of any microfinance organization in the section "Investors". There will be all actual information about the amount of funds for depositors, interest rates and guarantees.

This method is very risky due to the high risk of non-return of funds on the part of clients, and, accordingly, a delay in payments on the deposit.

Domain attachments

The most controversial of all investment options. It can bring as much as 10 million in one transaction, or not bring a cent to the investor. Who is investing in domains and why? Most investors assume that a company or individual will want to create a site on a thematic domain, and buy it in advance to resell it.

Some of the domains that are now owned by global corporations have brought hundreds of thousands of dollars to their original owners. And all so that the domain is remembered and associated with a specific company.

Pros and cons of investing on the Internet

Now let's look at all the pros and cons of investing on the Internet.

Among the advantages are:

• Consistently high profits;
• All operations are carried out from home;
• Free schedule;
• Minimum financial investment;
• Ease of control;
• The ability to withdraw funds at any time.

But minus one, and for someone it can cover all possible pluses. This disadvantage is the huge risks that the investor takes on. Having invested in any online project, regardless of whether it is a forex broker, a startup project, or a mutual lending exchange, it is always worth remembering that there is a significant risk that the money will never come back.

There are two categories of risks: trading and non-trading. Many mistakes of the investor in the disposal of funds belong to trading. The wrong choice of the object, the amount of investment, a slow reaction to losses, and so on. All this leads to the fact that the investment account goes into negative territory, and the investor suffers losses.

Non-trading risks are anything that does not depend on the investor. Force majeure, hacker attacks and other events that happen by chance. They cannot be prevented, but you can react in time and minimize your losses.

At first glance, fraud by investee companies falls into the second category. But this is not the case. Investing in fraudsters is a direct mistake of the investor and his flaw. This means that the person did not collect all the data about the company, and was unable to recognize the fraudster.

One of the investment rules is that losses lie entirely with the investor. After all, he himself chose the object and the amount of investment. Therefore, from every loss of money, he must learn from how not to do. But do not forget that profit is also the result of the investor's activity, and it also needs to be analyzed, and the same decisions must be repeated in order to receive income in the future.

The main mistakes of investors

It's better to learn from someone else's example, so let's look at the top 5 major mistakes beginners and experienced investors make:

1. Lack of strategy... This is the main mistake that reduces investment to gambling. Winnings are possible, but losses will hit your pocket much harder;
2. Investment in one project... Diversification (sharing) of risks is the key to making a profit and minimizing losses. Divide your investment into 3 projects, and the failure of one will not hit you so hard at the expense of the others;
3. Investing in unverified projects... Returning to the previous topic - fraud on the part of the investment target firm is entirely on the conscience of the investor, because he himself chose and invested his funds there;
4. Pursuit of profit... Especially at the initial stage, investors try to get everything at once, investing money in highly profitable, unverified assets. And they fail naturally. Excessive greed did not benefit anyone;
5. Disregard for safety... Calculations on the Internet must be protected at the highest level. The safety depends on it Money, especially in the current reality of constant hacker attacks.

In general, it is enough for beginners to follow the simple tips indicated in this article and avoid mistakes, in order to get a stable profit with a high degree of probability.

We all save money. A schoolboy saves up for a new smartphone, a student for a car, a young family for an apartment (or more often for a down payment for a mortgage), a worker on vacation, and a pensioner for a funeral. And no matter how tense the economic situation is, money somehow accumulates. Otherwise, where are there so many iPhones and expensive cars around?

But most people do not realize that when the accumulated money lies under the pillow, their amount decreases imperceptibly. Every night the "savings killer" comes and steals from us a small part of our savings. And the name of this killer is Inflation.

The official inflation rate in Russia for 2015 is almost 13%. But we know that it is not weakly understated (the one who remembers the prices for 2014 products understands this especially well). Real level inflation for 2015 was definitely more than 20%.

Thus, all our savings are depreciated at a rate of at least 20% per year or 1.65% per month. So, now most of the investment methods help not to increase your funds, but to compensate for inflation at least a little.

In such a situation, it is very unwise to keep money under your pillow. Any free money should work. But how to invest them as reliably and profitably as possible?

Investing is not that hard.

I think everyone understands what investing is. When you invest, you make your funds work. That is, you are investing money, hoping to get even more money in the future.

But we must not forget that investing entails risks. Instead of the expected profit, you can take a loss or even lose all of your money altogether.

Therefore, the main rule of investment is risk diversification. According to this rule, you must split your savings into pieces and invest them in different investment projects.

For example, let's say your investment portfolio is 100,000 rubles. Then you need to choose several investment instruments that are suitable for you. Suppose you have chosen mutual funds, PAMM accounts and backing and HYIP projects. Now you will need to distribute your portfolio between instruments depending on how much you are willing to take risks.

Let's say that you are inclined to moderate risks and distribute money as follows: mutual funds - 40%, PAMM accounts - 40%, backing - 10% and HYIP projects - 10%. Now you need to apply the principle of diversification within each chosen investment method.

That is, you will need to select several different PAMM accounts and distribute your 40% of the portfolio between them. The same should be done with the other selected investment methods.

In order to comply with this rule, you need to use several tools that can multiply your money. I have selected 12 of the best ones for you.

Compare the 12 best ways to invest.

I have not only selected the 12 best ways to invest for you, but also compared them with each other. For comparison, I chose several parameters, which I decided to evaluate on a 10-point system, where 1 is the lowest grade, and 10 is the highest.

Comparison of the best ways to invest.

The following parameters were selected:

• Simplicity. This parameter characterizes how easy it is to understand this investment method, understand the principle, find a suitable company and make a contribution.
• Profitability. Here the average return on investment will be estimated. Most often, this and the following points are related: the higher the profitability, the higher the risks.
• Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
• Entry threshold. Shows the minimum amount you can invest.
• Liquidity. Assesses how quickly you can withdraw your deposit, and what losses await you in case of premature withdrawal of money.
• Passivity / Activity- this parameter shows how passive this type of earnings is. That is, 10 points mean "put and forget", and 1 point means that to get the maximum profit, you will have to spend additional time and effort.

Of course, all my assessments will be subjective and I think that many readers will disagree with them.

1. Bank deposit.

A bank deposit is the most understandable and simplest way to invest for an ordinary person. Even any grandmother understands how everything works. Indeed, even in the Soviet Union, in which there was no investment, people kept their money in savings books. And one of the heroes of a popular Soviet film called on fellow citizens to keep their money in savings banks.

All you need to do to make a deposit is to choose a bank and come there with your passport and money. What could be easier? I put 10 points.

At the same time, the profitability of a bank deposit is not high. On this moment deposit rates range from 7% to 12.5%. I think this is one of the lowest returns of all investment methods. Deserves 1 point.

But you can be sure of the reliability of your contribution. Deposits are insured by the state. Even if you plan to invest a large amount, then in order to insure against the fact that your bank's license will be taken away, you can split the amount into small parts and invest in several banks. In this case, even if the bank is deprived of its license, and your deposit was less than 600,000 rubles, then you will be compensated for both the deposit and the interest. 10 points for reliability.

You can start investing with an amount of 10,000 rubles or more. This is not a lot at all, so you can put 8 points.

In most cases, you can withdraw money from the deposit at any time. But with early withdrawal of money, you will lose most of the profit. 7 points for liquidity.

This type of contribution belongs to the "put and forget" category. All you need to do at the end of the investment period is to come to the bank and collect your money. Well, or roll over the deposit. 10 points.

Pros:

• High reliability.
• Availability.
• Low taxes. You will have to pay 35% of the taxable income, which is calculated using the formula: all income minus the refinancing rate.
• Predictability of results.

Minuses:

• Low profitability.

Output. This view investing is more likely not to increase your money, but to somehow compensate for inflation. In any case, if you do not want to take risks at all, then this method is better than just keeping money under your pillow.

2. Mutual investment funds (mutual funds).

For an ordinary person, investing in mutual funds does not seem to be a very clear idea. To understand this, try to explain to your grandmother at the entrance that you are buying shares in a fund of a management company that invests money in assets.

The choice of a mutual fund also needs to be taken seriously, studying the statistics of different funds. After that, you need to go to the office of the company or its agent. For simplicity I will put 6 points.

The profitability here depends on the type of funds and on the approach to choosing a mutual fund. The more risky investments the fund makes, the higher the potential return is expected, but in most cases it is not high. 3 points.

Reliability also strongly depends on the type of fund. At a time when bond mutual funds are one of the most risk-free investments, investing in venture capital funds carries very high risks. On average, I would rate the reliability in 7 points, because at least you will not be able to lose most of the deposit, as in other investment methods.

The minimum cost of a share starts from 300-500 rubles per share, which is suitable for almost everyone. 10 points.

I think most people invest in open-end mutual funds, therefore, in this paragraph we will only talk about them. You can withdraw money from open-ended funds by selling your shares in 1-3 business days. I will put 10 points.

Still, with this method of investing, you will have to spend a little time managing your investments. Of course, management within the fund Management Company will do without your participation, but transfer money between mutual funds and decide when to sell shares, and when to buy, you have to. 8 points.

Pros and cons of this investment method:

Pros:

• A large number of assets in which the fund can invest.
• Low entry threshold.
• Relatively low risks.

Minuses:

• Possibility to get a loss in case of an unsuccessful choice of a fund.
• Relatively complicated investment procedure.
• The investor should be interested in the stock market.

Output. With a successful selection of funds and proper management of your investments, the profit from the deposit overlaps inflation and brings a small income. But we must remember that many funds bring losses to their investors.

3. PAMM accounts.

Brokerage companies for last years have invested so much money in advertising that only a deaf person has not heard about Forex and the tempting prospects of becoming a successful trader. Therefore, it is not difficult for an ordinary person to understand the principle of PAMM investing - to give money to a trader so that he can play on the stock exchange.

You can find a suitable broker on the Internet. At the moment, the most popular is Alpari. So I'll put 7 points for simplicity and clarity.

Some accounts can bring you more than 100% profit per year, and some drain all your money. But, when using the principle of risk diversification, the income from this type of investment is slightly higher than in mutual funds and is estimated by me in 5 points.

As the profitability rises, the risks also increase. When using the principle of diversification, you will not lose the entire investment amount, but you can get a loss. For reliability, I would bet 6 points.

You can start investing in a PAMM account with an amount of $ 10. At the moment, this equals 700 - 800 rubles. The amount is small, so I bet 10 points.

You can withdraw money at any time within one to two working days. Therefore, for liquidity 10 points.

Investment management takes time. If you do not use automatic tools, then in Personal Area will have to go almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I put 6 points.

Pros and cons of this investment method:

Pros:

• Low entry threshold.
• The ability to independently compile an investment portfolio.
• Simple investment procedure.

Minuses:

• It is possible not only to receive a loss, but also to drain the entire amount of the deposit.
• An investor should be interested in trading in the foreign exchange market.

Output. This is a very common investment method that has gained popularity through advertising. This way of investing money is more suitable for those people who like the foreign exchange market or who have experience in trading on the stock exchange.

4. HYIP projects.

This type of investment is often called quasi-investment. In simple terms, these are pyramids that accrue profit to participants from new deposits.

It is very easy to invest in these projects. Many of them accept bank transfers and payment through the most popular payment systems. Most often, HYIPs have a legend that explains to gullible investors where the company takes money from to pay such high interest.

It is very easy to contribute to such a project via the Internet. But, if you are new to the Internet, it will be more difficult. For convenience, I would put 8 points.

Profit HYIP-projects promise simply space. On average, long-term HYIPs offer to pay 20-30% per month. Short-term ones can promise to double the deposit amount in just a few days. 10 points for the promised profitability, but in fact it, of course, turns out to be lower.

There is no need to talk about any reliability of deposits. The project can collapse at any moment. 1-2 HYIP-projects are opened every day and the same amount is scammed. Therefore, for reliability, I would put everything 1 point.

I think that at this point and the points below, we should consider only long-term projects. The minimum amount to enter them starts from 1,500 thousand rubles. 9 points for a low entry threshold.

In most projects, the deposit cannot be refunded. It will be returned to the depositor during the entire investment period with each payment. Therefore only 1 point.

If you have already invested money in one of the HYIPs, then you just have to sit and hope that the project will exist and pay. There is nothing you can do. Fully passive investments deserve 10 points.

Pros and cons of this investment method:

Pros:

• High profitability.
• Convenient deposit and withdrawal of money.

Minuses:

• Very high risks.

Output. Earn onHYIP projects can only be done by those who are “in the know”. You need to be able to analyze projects and find those that can generate income. Most people who make money on HYIPs compensate for the investment loss by attracting referrals.

5. Backing (investing in poker players).

Almost everyone knows about a game like poker. At the same time, many understand that successful players get a lot of money for winning tournaments. But how many people know that most poker players do not play big tournaments with their money?

That is, if a strong player does not have enough money to participate in a tournament, he turns to an investor (sponsor), who, in case of winning, receives a percentage of the prize money. The player can also have several sponsors who invest money in the player and profit from the winnings depending on the amount of investment.

You can buy a share from a player only by agreeing on it on specialized forums. For example, on the forum of this site: PokerStrategy.com. To purchase, you will need to personally check in with the player. For convenience, I would put 4 points.

The reliability of this type of investment is highly dependent on the choice of the players. In addition, when buying a share, you do not sign any agreements and the player may "not want" to give you your share for the winnings. 3 points for reliability.

You can buy a share from $ 10. But only novice players sell so cheaply; to buy a professional's share, you will need to invest 200-300 dollars. But it's still better to start with small investments, so I put 10 points for a low entry threshold.

There is no such thing as withdrawing money. You pay a share, and if the player gets into the prizes, you take the profit.

After you have made a contribution, you just have to wait for a positive outcome. You can't influence anything anymore. 10 points.

Pros and cons of this investment method:

Pros:

• The possibility of making a big profit if the player wins the tournament.

Minuses:

• More suitable for people who know poker.
• The deal is based only on a verbal agreement with the player.
• Usually, players earn more than sponsors.

Output. Rather, backing will suit people who are good at poker. It will be difficult for the average person to choose the “right” player.

6. Trust management for sports betting.

Most people treat sports betting like gambling. But professional privateers earn a lot and steadily from betting on sports events.

Many privateers create their own PAMM accounts, which actively attract investors. This type of investment is similar to a PAMM account in the foreign exchange market.

In order to make a contribution, you need to register on the platform trust management BetPamm.com and choose multiple investment accounts. 7 points for simplicity.

If you look at the profitability charts, you will see that the leading privateers are increasing their accounts by thousands of percent. Such income should be bribing. But on average, the return on this investment method is much lower and deserves 6 points.

If you use the principle of diversification and invest in several PAMM accounts, then, at a minimum, you will not lose the entire investment amount due to the privateer's mistakes. For reliability, I would bet 6 points.

You can start investing with very small amounts. For a low entry threshold 10 points.

You can withdraw money quickly and easily. 10 points.

After investing, you will need to monitor the selected PAMM accounts in order to transfer money between accounts in case of loss or maximum profitability. 6 points.

Pros and cons of this investment method:

Pros:

• Short-term investment.
• Self-compilation of a portfolio.
• Low entry threshold and the ability to use a demo account.

Minuses:

• The possibility of receiving a loss or draining the entire amount.

Output. This way of investing is very much like investing in a PAMM account in the Forex market. But it is not so famous due to the lack of advertising.

7. Startups (venture investments).

In recent years, stories of successful startups have been thundering everywhere. Everyone understands how profitable it would be to buy shares of young companies, which in a few years would turn into large billion-dollar corporations.

The first way to invest in a startup is to conclude an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at discounted prices. An example of such a startup is Yunitskiy's SkyWay.

You can also invest in a startup using crowdinvesting platforms and startup exchanges. Exchanges do not inspire confidence in me, as I consider them hyips (read my ShareInStock review). But many reputable sources call them real companies... Once you enter the exchange, you will see audited and verified companies in which you can buy shares. You just have to choose a suitable startup and buy a share in it. For simplicity 7 points.

For the purchase of shares on the stock exchange, the company will pay you dividends in the amount of 2% to 7% per month. In addition, the investor can sell his shares if the company develops and its shares grow in value. He can also sell shares if they lose in value and he realizes that he has invested in a dummy company. For profitability 6 points.

You need to understand that startups are a risky investment. According to statistics, 70% of them are unprofitable, and 20% of these 70% are simply scammers who appropriate investors' money. But even of those companies that are in the 30% of successful ones, half will disintegrate in the near future due to internal problems.

One of the ways to invest in startups is crowdinvesting platforms. Unfortunately, in Russia they are not very developed and the minimum amount of investment through them is quite high. But all the companies represented on the site are like a mandatory check. There is also the possibility of investing in startups directly. For reliability 6 points.

The threshold for entering this type of investment is not high. 10 points.

If you decide to withdraw money or redistribute it within the share exchange by selling all or part of the purchased shares, then you will need to sell them on the exchange at a price below the market price. The lower the price you put, the faster your shares will be bought. 7 points.

For the most profitable investment, you will have to devote your time. It will be necessary to track changes in the value of shares on the exchange by selling and buying them. There is no manager here, so you have to do everything yourself. 5 points.

Pros and cons of this investment method:

Pros:

• Convenient and simple investment procedure.
• Very low entry threshold.
• High potential profitability.

Minuses:

• High risks with passive investing.

Output. If you decide to invest in startups, then it is better to use exchanges. You will pay about 5% for withdrawing money, but you will be protected from scammers.

8. Currencies and precious metals.

Surely, among your friends and acquaintances there is a person who, with a clever look, claims that money should be kept in gold (platinum, dollar, pound, yen, etc.). This approach says that a person does not understand investing, but simply uses popular "stereotypes".

For example, if you look at the dynamics of gold prices, you will see that since 2012 it has depreciated against the dollar by almost one and a half times.

If you decide to do without the services of managers and buy precious metals or currency on your own in order to store money in it, then this procedure will not be difficult.

You can buy currency in bank branches, or by using the services of brokers (which will be more profitable than buying through a bank). You can also change currencies using online and offline exchange offices or payment systems.

Precious metals can also be bought in banks. And it became possible to purchase gold using the WebMoney payment system.

Also, do not forget about cryptocurrencies, for example, Bitcoin, which, according to all forecasts, will rise in price in the long term. The purchase of these assets will not be difficult, so I put 8 points.

Buying precious metals or currencies for long-term investment primarily protects you from depreciation of the national currency. For many countries with weak currencies, this is a smart move. But the rates are unpredictable, so there may not be any profitability. 2 points.

The beginner does not know which direction the course will go in the near future, so his investment is more like a gamble. Even if now people prefer to keep their money in dollars, what is the guarantee that oil will not rise in price in the near future along with the ruble?

Probably, you can protect yourself from the depreciation of the national currency by keeping half of your money, for example, in dollars, and the other half in rubles. So if the exchange rates fluctuate, you will not lose anything, but you will not earn anything either.

Profitability depends on luck and I would bet everything 2 points.

The entry threshold depends on the type of asset and on the purchase method. On the exchange, 1 lot will cost at least $ 1000, and through exchange offices or payment systems, you can change amounts of several dollars. So everyone can buy currency or precious metals. 10 points.

You can sell currency as quickly as you can buy. V exchange offices and exchanges do it almost instantly. Gold is also highly liquid asset. 10 points.

In general, attempts to influence profits by tracking rates and the subsequent sale of assets already turns you into a trader. And I would not classify trading as an investment. Therefore, I understand investing in currencies and precious metals as “put and forget”. That's why 10 points.

Pros and cons of this investment method:

Pros:

• Able to protect against depreciation of the national currency.

Minuses:

Output. Buying precious metals and currencies for a beginner is a very unpredictable way of investing money. You can reduce risks and increase profitability either by entrusting money to the manager, or independently studying trading in the foreign exchange market.

9. Securities.

I think most of the people in securities are only familiar with stocks. The most financially literate will probably be able to name more bonds. Only a few know how to invest money in securities.

In fact, buying securities is no more difficult than buying currency. You also need to contact big bank or to a broker. 7 points for simplicity.

When a beginner buys securities, making a profit is a big question. And, if when investing in bonds, even a beginner can count on a small income, then the stock market can bring a loss to a novice investor. 3 points for profitability.

Generally speaking, usually low profitability entails low risks, but not in this case. Risks are high in the stock market. 3 points for reliability.

You can start investing with a small amount. The entrance threshold starts from about 1,000 rubles. 9 points.

Securities can be sold on the exchange in the same way as you bought them. This asset is considered to be quite liquid. I put 10 points.

Again, if a person begins to manage his securities independently, then he already turns from an investor into a trader. Therefore, here we are only considering passive investing. 10 points.

Pros and cons of this investment method:

Pros:

• Simple investment procedure and a small entry threshold.

Minuses:

• For a beginner, this is a risky and low-yield way of investing money.

Output. If you have already decided to invest in securities, then it is better to contact a professional manager who will manage your funds for a small commission. Self-investing by a beginner in the stock market is more like gambling than investing.

10. Real estate.

There is one stereotype among people: “ The safest investment of money is buying real estate". But do not forget that real estate includes not only apartments, but also different buildings, structures, water bodies, forests, etc.

In general, there is some truth in this, because many people want to save up for an extra apartment for old age in order to rent it out and get a good increase in their pension. And if something happens, you can sell it and get good capital.

You can invest in residential or commercial real estate, under construction or already built, suburban or located within the city. The ease of investment also depends on the choice of the type of real estate.

To invest in residential real estate, you will need to contact a realtor, look for suitable options, draw up a lot of documents and, possibly, make repairs. As for me, the procedure is pretty dreary.

If you decide to buy commercial real estate, then the hassle becomes much more. You will need to keep accounting, pay taxes, manage facilities, re-register the power supply. On average, for convenience, I would put 2 points.

As for the profitability, you can receive no more than 1 percent per month from residential real estate for long-term rentals. This is 7-10% per year. Renting out residential objects for daily rent turns into work and is not considered.

If you expect to sell it at a higher price after a while, then it is far from a fact that prices will rise. In general, for the profitability, I would bet 3 points.

The real estate is, indeed, highly reliable. Unless, of course, this is an object under construction.

Even if real estate prices fall, you will continue to receive a stable rental income. For reliability, I put 9 points.

The entry threshold is high, even if it is a collective purchase of real estate. The minimum investment amount starts from several hundred thousand rubles. I will put 2 points.

It often happens that in order to quickly sell real estate (especially commercial) you have to set a very low price. Sometimes objects cannot be sold for several months. I put 3 points.

If we consider long-term rental of residential real estate, then you will not have to spend much time on management. You will need to find tenants once and then collect money once a month. 8 points.

Pros and cons of this investment method:

Pros:

• A clear scheme for generating income.

Of course, here we will not talk about investing in creating a business from scratch, but about buying a ready-made company. Starting a business from scratch is hard work with unpredictable results. An investor is interested in a well-established business with streamlined processes that brings a stable income.

In order to find a company to buy, you can use newspapers or bulletin boards. But more often than not, an entrepreneur does not talk about the sale of his brainchild, so as not to raise doubts among employees and customers.

Therefore, they prefer to contact broker companies that will sell their business. They also spread information about the sale among friends and acquaintances.

Once you have found a suitable business, you will need to audit it to ensure that the business processes are normal. This whole procedure for a beginner can turn into an insurmountable obstacle. 1 point for simplicity and clarity.

Ultra-profitable businesses rarely sell, so you should count on average returns. Of course, profitability strongly depends on the type of activity and the quality of management. I will put 6 points.

Many people think that entrepreneurs only sell unprofitable businesses. But actually it is not. The reason for the sale can be: an urgent need for money, disagreements between the owners, loss of interest, lack of time (especially if one entrepreneur has several types of business), etc.

The audit will help analyze the reliability, profitability and prospects of the business. Therefore, the chance of buying a losing asset is very small. I put 7 points.

The threshold for entering this type of investment is relatively high. Yes, there are very small companies, but they are far from a penny. Buying a profitable business with streamlined processes costs similar to buying a property.

Often people come together in groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I will put 2 points.

If you urgently need money, then the company can be sold. If your business is unprofitable, then it will be difficult or almost impossible to sell it. It is easier to sell a profitable business, but most often this procedure takes a lot of time. That's why 3 points.

If you begin to independently manage the purchased company, you will turn from an investor to a businessman. Therefore, you will need to hire an executive director who will be in charge of running your business. But in this case, you will have to control it and analyze the activities of the company.

And you will need to deal with the selection of a manager yourself. That's why 2 points.

Pros and cons of this investment method:

This way of investing money is similar to investing in a business, but with a simpler buying and operating procedure. Again, there is no need to create and promote a website. You can just buy a ready-made project.

The site itself is more a tool than an asset. The real asset is the audience that visits this project every day. The website owner makes a profit from displaying ads, affiliate programs and other sources of monetization.

You can use the exchange to buy a site. One of the most popular exchanges on runet is Telderi.ru. In the list of sites for sale, you can see all the information on projects: audience size, profitability, development dynamics, payback period, etc.

The deal is protected and follows the rules of the auction, where the site goes to the buyer who offered the highest price. For simplicity, you can put 4 points.

Typically, normal sites are sold at a price equal to the income from it for 12 months. That is, if a project brings in 20,000 rubles a month, then the fair price for it will be 240,000 rubles.

But in most cases, on such sites, monetization does not work 100%. Thus, after the "twist" of monetization, it will be possible to recoup the investment in 6-10 months. 7 points for profitability.

If the site is made with high quality and was promoted only in "white" ways, then such a contribution can be called reliable. Of course, if you want the project to bring you profit for more than one year, then you need to carry out at least minimal work on it. But, for a year or two, the project will be enough without additional investments. 8 points for reliability.

In general, some sites are sold very cheaply. You can find it for 500 rubles. But such sites should not interest an investor.

You can buy as one expensive and high-quality site, as well as several average ones. Therefore, I do not advise starting with too small amounts. I'll put it behind the entrance threshold 6 points.

If the project ceases to be of interest to you or you need money, then you can always sell it on the same exchange. I bet for this 4 points.

When you buy a site that will bring you passive income, you can make a profit without doing it at all for a year or two. But, over time, without administration and updates, the project will lose its audience, bringing less and less income. I will put 4 points.

Pros and cons of this investment method:

Pros:

• Convenient investment amount for everyone.
• High investment security.
• You can engage in project development, increasing profits.

Minuses:

• You need to have minimal knowledge about sites and how to monetize them, or seek help from an experienced specialist.

Output. Investing in content, information and other similar sites is one of the best ways to invest. This type of investment can be easily turned into a business by working on purchased sites and increasing profits.

Which way do you like best?

Many people are interested in the question - where can you invest money? And in the first place they put not the increased profitability of their investments, but the safety of funds, guided by the principle "it is better to sleep well and not worry about losing your money as a result of various force majeure circumstances." It is for such investors that this article is intended. From it you will learn the most reliable investment of money.

I will make a reservation right away that there is no absolutely reliable investment. There are always risks of loss, albeit minimal. Especially in our country. The point is that the reliability of certain investments cannot be higher than the reliability of the country in which these investments were made. Therefore, for example, the reliability of bank deposits here and, for example, in Switzerland will be different.

Therefore, we will consider those investments, the reliability of which is higher in relation to others. So let's go.

The most reliable and stable investment of money

Investments in bank deposits

Opening a bank deposit is the first thing that immediately comes to mind. Putting money on a bank deposit - you will receive a certain reward. You will not learn anything new. Probably everyone has opened a deposit in the bank at least once. Let's just list the advantages and disadvantages of this type of investment.

Advantages:

1. The ability to open a deposit with a minimum amount. With only 1,000 rubles, in principle, you can already open a deposit
2. Huge, both in interest rate and in terms of placement
3. Fixed income. You will know exactly the amount you will receive at the end of the deposit term
4. Deposit insurance. All deposits are insured by the DIA (Deposit Insurance Agency) for the amount of 1,400,000 rubles. If you have an amount exceeding this limit, it is enough to open an account with different banks and spread this amount across several banks.
5. High liquidity. You can terminate the deposit at any time and withdraw the money. But in this case, you lose the accumulated income.

Disadvantages:

1. In truth, investing in bank deposits cannot be called a successful investment due to their low profitability. Deposit rates are so low that they do not even cover inflation in the country. They can most likely be used either to form a "financial cushion" so that, if necessary, the required amount can be quickly withdrawn. Or for accumulation, in order to further use it for investments in other, more expensive investments.
2. Although bank deposits are insured, in case of force majeure situations, of course, you will be refunded the amount, but you can forget about the accrued interest. The point is that the law must be taken literally. And it says: "The amount of the deposit and all accrued interest are subject to return." But interest on the deposit is usually calculated at the end of the term. And if the bank closed even 1 day before the end of your deposit term, you can forget about the return of interest. I can advise you to open deposits with monthly (quarterly) capitalization.

Investments in currency

If you look at the history of the ruble against, say, the dollar, you can see that there is a constant strengthening foreign currency against the ruble. There are, of course, short periods when the ruble is strongly strengthening, but this is most likely an exception to the rule. And this period of strengthening lasts only a year - one and a half or even less. And if so, then investing in foreign currency can be considered as a reliable stable investment. The national currency is subject to periodic and therefore constantly loses to foreign ones.

The only condition for increasing reliability is long-term investment calculated in years. By buying a currency for a short time, you run the risk of buying at a peak, and after that get into a long correction when the price falls and you find yourself in the red.

For an even greater increase in profitability, you can not just buy currency and keep it at home, but open a foreign currency deposit. And although the rates on it are not very high (within 4-5% per annum), I think the additional income will not hurt anyone.

Investments in real estate

A very controversial way of investing money due to the high cost. And there is a lot of trouble. V recent times real estate does not bring those fabulous profits that it was 10-15 years ago, when it rose in price by 50-100% every year. Now there is a decline or sometimes a small increase in the cost of housing. The crisis, after all.

Nothing good about the rental yield either. Renting out brings its owner an average of 6-8% per annum (from the cost of housing, of course). The same bank deposits able to bring much more income not to mention bonds.

But there is still a definite plus. This is an investment in an asset that is always in value. There will always be demand for housing. And undoubtedly - over time, its value will rise sooner or later.

Finally

Summing up, we note that speaking about reliable investments, it can be noted that the concepts of profitability and reliability are antonyms. Investment security automatically implies lower returns. And a high return on investment is available when you take on certain risks.

What conclusions can be drawn. These types of investments are designed primarily for capital protection and for a low rate of return at the inflation rate or slightly higher, in contrast to, which are just aimed primarily at increasing capital.

They can be included in your portfolio in a certain proportion, adhering to the rule, achieving quite acceptable returns and a moderate level of risk.

Last update: & nbsp 12/27/2019

Good afternoon, dear readers of the financial magazine "site"! Recently, investments on the Internet have become more and more popular. It is about them that today's publication will be.

Readers of our article will find a lot of interesting things in it, namely:

• What are the features of investments using the Internet;
• What are the advantages of online investments, as well as what problems novice investors may face;
• What are the most popular ways of investing on the Internet.

We also tried to answer the questions that most often arise from those who are interested in investing on the Internet.

This publication will be especially interesting for those who want to make money using modern investment methods using the Internet. Read about all this and much more right now!

About investing on the Internet: where to start investing and where you can invest money online, we will tell you in this issue

Many not it is suspected that the Internet is more than just an information space. Energetic and enterprising people who, moreover, know how to think analytically, on the Internet not only communicate and have fun. The network provides these people with tremendous opportunities to realize their potential. As a result, some get quite serious money.

Do you want to make money from the comfort of your home, having only a computer and Internet access? Then promising financial instruments that allow you to invest online are just for you.

Any reasonable person wants to get financial independence, to work for himself. Ideally, income should be passive , that is, after a certain time, a person spends a minimum of time on work, while receiving the maximum profit. This can be achieved by making wise investments.

Using investments online, you can get:

• stable income that does not require labor input;
• confidence in the future;
• free time that you can spend at your own discretion.

Any adult should understand that the main wealth is time... If it all goes to earn a living, then the years are wasted. There is no opportunity to communicate with loved ones, be creative, travel, engage in self-development.

It is possible to break this vicious circle if income does not depend on the time spent on work. Those who have not inherited a huge inheritance from their ancestors can be advised to use investments. After all, it is they who are an example of an affordable and very effective option. passive earnings.

However, one should understand that it is not enough to invest in the first project that catches your eye. An important condition, without which it will not be possible to achieve success, is competent approach to investments .

Also, don't think that you can get a lot of money without putting in any effort. In order for passive earnings to begin to bring money in the future, you need to make maximum efforts in the present.

Each step in investment should be balanced, it is important to invest safely and after careful analysis.

Do not forget that any investment is associated with certain risks. And you need to be mentally prepared for this.

2. Advantages and disadvantages of online investment 📊

Investments using the Internet, like any financial mechanism, have their own Benefits and limitations ... Without knowledge of these features, it is impossible to competently manage the invested capital.

The advantages of online investment are:

• high profitability;
• possibility ;
• free schedule of work and rest;
• there is no need to have a large sum of money to start making a profit;
• ease of management;
• the ability to withdraw funds at any time in the required amount.

Despite the significant advantages, investing over the Internet also has a significant disadvantage. It can be described as risk of loss of funds ... In principle, such risks are inherent in all investment products, but they are especially relevant for online investments.

There are several components of this risk:

• ineffective conduct of activities by an investment company;
• investor mistakes;
• bankruptcy of various firms;
• hacker attacks;
• unseen circumstances.

The first point refers to trade risk ... An investor can influence it. It is enough to competently and thoroughly analyze investment instruments and companies before investing in them.

The rest of the items refer to non-trading risk ... Even experienced and highly competent investors cannot influence it. But don't be intimidated. The situations described do not occur very often. The likelihood that an investor will be overtaken by non-trading risk with Internet investments is no more than with others.

Thus, a whole series of advantages internet investing. They are quite simple and intuitive.

Flaw such attachments have only one - risks... It is important to know about them in order to take all possible measures to prevent them.

To make it easier to understand the risks, let's summarize them in a table:

3. How and where to start investing on the Internet - 5 main conditions 💰

The main goal of newcomers in the field of investment is Financial independence ... Everyone wants to achieve it with the least financial and psychological problems. However, profit from investments is impossible without preliminary preparation.

At the same time, not only money is needed to start investing, but also a certain luggage of skills and knowledge... Read about where you can get money for investment.

It is also necessary to remember that on the Internet there is a huge number of scammers who trick gullible investors into money. It is important to be able to identify them and beware.

The sheer number of investment options can drive newcomers to a standstill. Moreover, some of them require serious financial knowledge, which means that they are not at all suitable for beginners.

All these factors lead to the fact that a number of conditions are imposed on newcomers to the online investment market.

Basic requirements for newbies when investing on the Internet

Condition 1. Having at least minimal knowledge in the field of finance and economics

No one will dive deep if they cannot swim. But a lot of newcomers are trying to invest without understanding the economy at all. As a result, instead of tangible profits, huge losses are obtained. That is why you should not invest even in a seemingly very successful project without knowing the basics of a successful investment.

At the same time not necessary have a higher education in economics or finance. It is quite possible to study the principles and mechanisms of profitable investment yourself. It won't take too long.

The best place to start is with online forums and blogs on relevant topics. After that, you can start studying specialized publications.

Do not be alarmed, a huge number of books have been written completely understandable and accessible language ... And they are no less useful than most abstruse literature.

With a great desire and due diligence, to understand the basics of investing, it is enough to spend about two weeks.

A good example of useful literature is the book Rich Dad's Guide to Investing written by Robert Kiyosaki.

WITH brief overview(content) of the book you can familiarize yourself with by watching the video:

Condition 2. High-quality Internet access

An important condition for successful investment is a stable and high-speed Internet. Often this factor has a significant impact on the success and profitability of investments.

It is not only the presence of a stable connection that is important. All payment systems and wallets used in working with money must be financially secure. This will help keep your money safe.

Condition 3. Resistance to stress

To succeed, an investor in mandatory must be resistant to high levels of stress. It is equally important to have the right psychological attitude.

Any normal person will worry if he has to lose his money. It is important that these experiences do not become an obsessive fear, otherwise they will interfere with a sober assessment of the situation and make an informed decision.

You should tune in to the fact that it is impossible to get a quick profit from investments. It is important to be prepared for the fact that the result will have to wait for a long time (especially at the beginning of your investor journey).

The first successes may appear not earlier than in a few months. Moreover, the rule applies to investing: the longer the investment period, the higher their profitability.

Condition 4. It is important to be objective

The investor must be able to soberly assess the opportunities available to him. No one has yet managed to earn more than the selected investment instrument allows.

Investments should be made gradually. Before this, it is important to set specific goals for yourself, as well as determine the timing of their achievement.

Condition 5. The investor must be prepared for financial losses

Any investment carries the risk of losing part of the invested funds. Newcomers have a significantly higher level of risk, because they have no experience of effective risk management.

Investors should understand that there is no way that absolutely all operations are profitable. Some of them will be unprofitable in any case.

Nobody, not even professionals, can get rid of losses. It is important to be able to take losses calmly, not make spontaneous decisions and conduct a thorough analysis of the situation.

If all of the above conditions are met at the same time, the likelihood of earning a return on investment is significantly increased.

At first glance, it seems that it is unrealistic to fulfill them. However, with the acquisition of experience, the attitude towards them changes and the named rules seem to be self-evident.

Proven ways to invest money online

4. Investments on the Internet - TOP-15 ways where to invest money online 📝

Those who even have small amount free funds, strive to save them. But this is not enough. I would also like to increase them. We already talked about that in the last issue.

There are currently various investment options available. Investments through the Internet are becoming more and more popular among them. They are of great variety.

Method 1. Forex

One of the most popular ways to invest online is Forex. A trader deposits funds into a trading account and makes a profit by conducting transactions in the foreign exchange market. Income is generated by changing rates currency pairs... You can start by reading our article.

On the one hand, investing in currency operations Forex is akin to investing. However, on the other hand, it is weakly similar to passive income.

To earn money, you will need a certain amount of knowledge, as well as the time spent on conducting transactions and analyzing the market situation.

At the same time, income can be obtained much faster than with other investment methods (with a good scenario, even up to 1 month).

When trading binary options, an investor can pay attention to any, even minor, market changes. In any case, you can get tangible income. This is another advantage of binary options, since when investing in other instruments, you can earn good profit only on significant fluctuations.

Trading binary options is easy to understand. It doesn't matter how many pips the price will change. If it goes in the direction that the investor needs, even if there is a difference in 1 point the investor will receive a predetermined amount of profit.

A binary option is based on an asset. It can be Not only currencies, but also securities, precious metals, indices etc. Thanks to this diversity, the investor has the opportunity to more actively pursue a risk diversification policy. Moreover, the liquidity of binary options is at a fairly high level.

Without a doubt, investing in binary options requires considerable effort and mastery of a large amount of information to be successful.

Using such financial instrument attracts investors by the fact that in the binary options market you can actively develop, apply and test your own trading strategies... At the same time, even small market fluctuations can bring tangible income.

Method 4. Stocks (stock market)

Another investment method that undoubtedly deserves attention is investment in shares... However, even here there is no way to exclude certain risks. About trading on stock market(the securities market) we wrote in a separate article "".

Earlier, online investing in stocks was associated with simple and large earnings. However, now, after the financial crisis, stocks even largest companies who call blue chips , have lost their positions. Moreover, in today's situation it is becoming more and more difficult to correctly predict their behavior.

Investors should understand that investing in stocks brings tangible income only long term .

In this case, you can earn in two ways:

1. On the Internet, investors are most often engaged in speculation in shares (they buy cheaper and sell more expensive). But such operations are associated with an increased risk due to the instability of quotations and the possibility of a fall in the rate. Reducing the risk will help the right choice of stock for investment.
2. Income on shares can be obtained and in the form of dividends ... They are paid to shareholders every year. Before receiving income in this way, it is important to find out on which shares and in what amount dividends are paid.

To trade stocks on the Internet, you must obtain a digital signature. You can trade through a special interface on a specific site or in a program provided by a broker.

Depositing funds to the site is possible in cash and cashless form... Electronic wallets (for example, WebMoney) are used much less frequently. Most often, you can only withdraw funds to a bank account.

An investor should not forget that tax must be paid on the income received from working with shares. Individuals transfer to the budget 13 % of profit.

There are both advantages and disadvantages to investing in stocks online:

• Plus speculative transactions with these securities is high level of profit.
• Cons somewhat more. It is the need to pay tax as well extreme market volatility.

In addition, unlike most other ways to make money on the Internet when trading stocks, it is almost impossible to withdraw profits to electronic wallets.

Method 5. Investing in gold

Gold is very interesting investment instrument... For many years, its value has been steadily increasing in the long term. This is why gold can be used when necessary save and increase a fairly large sum of money... But this metal is not suitable for fast receipt income. The fact is that today gold is already quite expensive, and the growth of its value has begun to slow down.

You can invest in gold over the Internet using WebMoney. Since 2007 in this system electronic money the function of selling gold is in effect. This function is implemented by opening a WebMoneyGold wallet, where funds are stored in gold 995 samples.

Account currency is measured in wmg, the unit of this value is equal to 1 gram of gold. The guarantor of the transaction is the company WMMetalsFZE, which is located in the UAE. Her website contains all the information necessary to work with gold accounts.

There are several ways to buy gold in the form of wmg:

• using internet exchangers;
• through the automatic exchanger wm.exchanger.ru;
• by transferring money to the account by transfer.

The investor is given the opportunity, if desired, to exchange wmg for gold bullion. True, for this you have to come to the WMMetalsFZE office.

But it should be borne in mind that the purchase of bullion is less profitable than the purchase of electronic gold, since bullion is taxed taxed... Naturally, additional payments increase investment costs.

Thus, the benefit of investing in gold online is price stability... However, one cannot count on significant profits in today's situation, because the value of the asset has almost reached its maximum today.

Method 6. Precious metals in the form of OMS

Various precious metals (such as gold, platinum and silver) if desired, you can buy virtually. This can be done by using unallocated metal accounts (OMS) .

OMS Is a great way to invest, as this instrument is tax-free. In addition, compulsory medical insurance guarantees a stable, reliable income. This is due to the continuous growth of precious metals in the long term.

Investing in unallocated metal accounts is carried out according to the following scheme:

1. Opening a metal bank account;
2. Depositing metal into the account in terms of monetary units.

Traditionally, CHIs open for 12 months ... Subsequently, at the request of the client, such an account can be extended.

The profitability of unallocated metal accounts is determined by changes in the value of metals in the markets within the country and around the world. Taking into account the fact that the price of precious metals decreases very rarely, investing in OMC for a long time practically guarantees an increase in the amount on the account.

1. "Ultima" operates on the Russian market since 1996. This company offers the investor a large number of investment instruments to choose from. Among them there are investment in gold... Features Ultima is investment insurance. Investors are offered support with the provision of all the necessary information and analytics. Ultima guarantees that all operations are completely transparent; if desired, the depositor can receive a report on the status of his investments at any time.
2. "SotsAgroFinance" Is a company that deals not only with financial transactions... But also by production. She specializes in investing in precious metals, and gold mining industry... Investors are offered deposits, the profitability of which is fixed. The company attracts funds to the real manufacturing sector. Despite the fact that the project is still very young, experts consider the company to be a promising participant in the financial market.

Method 7. Websites

One of the most popular ways to invest money online are investments in internet projects(websites, online services) followed by monetization. This requires Create new(See) or purchase an existing site ... It is important to evaluate the benefits of investing in such a resource, to promote and monetize it.

The level and regularity of the profit obtained is largely determined by how much effort (and money) has been invested in its development. If the site is not engaged, it will very quickly cease to attract an audience, and the profit will dry up.

The downside to using websites as an investment vehicle is the need to invest in it not only money, but also certain efforts... That is, this tool is more akin to work than passive investing.

Method 8. Startups

Those who are interested in investing in startups should remember that no one can give guarantees that the project will make a profit. Moreover, experts consider the following indicators to be normal: 20 % of invested projects are profitable, 60 % - pay off the investments remaining 20 % fail completely.

By the way, in one of the previous articles we told in simple words.

Investments in startups are unlimited. You can deposit both a few thousand rubles and millions of dollars. It is important to remember that the amount of investment should be determined in accordance with an objective assessment of both the project itself and its team.

It is best to invest in those projects that are already developing and beginning to bring certain results. In this regard, start-up projects that have just appeared or are at the stage of conception are less preferable.

It is important to remember that investing money in new projects is risky. However, if successful, such an investment can bring much higher returns. At the same time, a huge amount of resources on the Internet has led to the fact that in order to achieve success, the project must be unique and unique.

When looking for a promising startup, experts recommend paying attention to those resources whose topics correspond to the area in which the investor is quite well versed.

When the project is selected, you should discuss with its owner the terms of cooperation and investment. It was at this time that two important points investment:

1. In what form will the investment be carried out. This can be money, domain and other investments.
2. How will the investor receive income, for example, in the form of a return on investment with interest, or the investor will take a certain share in the startup.

It turns out that investing in startups has significant drawbacks. This is a high level of risk as well as a significant investment. At the same time, the success of the project will lead to huge profits.

Method 9. Online stores

V modern world The Internet provides an opportunity to actively trade almost anything. At the same time, it is possible to successfully promote not only various goods and services, but also sites, as well as various intellectual products and information.

However, the development of online platforms requires an investment of funds, which are sometimes quite significant. Moreover, their owners do not always have such funds.

As a result, in order to implement a project and start receiving income from it, its owners are looking for investors. For the fact that they invest their money in the project, the owners pay the investors quite high interest rates.

Method 10. Investing in domains

There are a huge number of sites on the Internet. Therefore, so many beautiful domain names have been taken for a long time. Therefore, a new type of income has appeared - buying and selling domains.

The return on these investments can be substantial. Those who bought website addresses in the early 2000s for about 500 rubles, today they can sell them more than 20,000... It turns out that the profit from such a transaction is about 250% per year.

If you managed to purchase a two-letter domain, you can sell it for about 10 000 dollars. The semantic names of the sites do cost several tens of thousands of dollars. Stories are known and transactions for exorbitant amounts - about million dollars.

Registering a beautiful site name today is practically unrealistic, because most of them have been busy for a long time. Significant profits can be made if domains are associated with popular events. But you will have to react incredibly quickly.

It turns out that online domain investment can be done exclusively in the secondary market. In other words, you can buy domains at online auctions or from their direct owners. True, after that you will have to be able to sell them at a higher price.

It is almost impossible for a layman to borrow investments in domains. This requires not only spending a huge amount of time, but also making every effort. At the same time, it is important be able to assess the prospects of the acquired domain... If you do not do this correctly, situations are possible when investments not only will not bring income, but will not pay for themselves at all.

Therefore, investments in domains are most often carried out by professionals... If an ordinary investor decides to use this tool for making money, he should take into account the following rules:

1. You should not invest in domains of exotic countries. They are quite expensive, but the prospect of price increases is rather dubious. Experts are considering the possibility of their rise in price after they run out of good addresses in the zone com... But no one can guarantee that a new English-speaking zone will not appear. That is, the purchase of such domains is associated with a significant risk.
2. When purchasing, it is best to choose names that carry a semantic load. Popular are English words, as well as high-quality transliteration of Russian words, especially if they relate to commercial topics. Two- and three-character combinations are also valuable, as well as beautiful combinations of letters and numbers.

Guided by these criteria, the investor must be prepared for significant financial expenses, which usually start from five thousand dollars. More affordable options are often offered on domain forums.

Thus, investing through the acquisition of domains is distinguished by a significant profit over a long time period. (more 5 years)... The disadvantage of such investments is that the best site names have been bought long ago, while investing in the secondary market is associated with significant risk.

Method 11. Debt online service WebMoney Debt

For investment, you can choose another interesting instrument - debt service offered by the e-wallet system WebMoney.

There are several advantages of this option:

• high interest rates (often reach 25 -100 % per annum);
• there is no need to waste a lot of time.

All this makes such investments an excellent option for passive income.

How it works

The borrower opens a line of credit, the amount of which can reach 10 000 wmz. He also gets trust limit , which allows you to characterize how consistent and reliable it is.

The borrower himself can choose the appropriate loan conditions: amount, term and interest rate. In this case, the settings are made through the service WMTransfer.

You can issue loans both to those whom the investor knows and to complete strangers. To minimize the risk of issuing a loan, you need to carefully study the data of borrowers to whom the investor plans to issue a loan.

Pay particular attention to the size TL... This indicator determines degree of trust to the borrower from other users of the service. Especially large borrowers have a limit that exceeds 50 000 points. But lower values ​​can also be quite good indicators.

Debt service has another way to protect creditors. If the borrower for some reason does not repay the loan, its payment will be made at the expense of other lenders who have opened a trust limit for this borrower. That is, the insolvent borrower will be new loan, with which the old one will be closed.

Also for loans in the WebMoney system important indicator is the so-called business level (BL). It allows you to determine for what purposes the borrowed funds are used.

An investor who has decided to invest in loans through this service needs to take into account several points:

• As soon as the borrower is selected, the conditions for issuing a loan through the WMTransfer service are set up. It is on the basis of the indicated conditions that the investor will be able to claim his funds.
• Next, the money is transferred to the borrower's account. For this, the e-wallet system charges a commission - 0,8 % from the sum. When the loan is repaid, the borrower will pay the commission.

However, there is also a drawback to this type of investment. It lies in the fact that after the borrower is determined by the limit of trust, he may not use it immediately or not take a loan at all. There are many reasons for this, for example, at this moment the borrower does not need money or he has other limits of trust (quite possibly on more favorable terms).

Method 12. Issuing money to the online lending service

With this method of investing funds, the investor can no longer determine the terms of lending himself. He chooses loan services with parameters that he considers optimal. After that, the investor transfers his money to the resource. Most often, the loan term is from 1 to 6 months, a interest rate is about 25 %.

It turns out that under the considered option, the borrower is a service online loans ... May also borrow funds and resources for currency exchange in the Internet.

To search for this type of borrower, an investor can use search engines or statistical data provided by the WebMoney electronic money service.

Thus, the issuance of loans to various services is good way passive earnings. However, don't forget that he has a high level of risk. This is due to the fact that there is a possibility of non-repayment of the loan.

Method 13. Budget machines

Another curious way to invest online is budget machines (BA)... It is provided by WebMoney through the portal shareholder.ru.

Budget machines use electronic currency unit wmz. BAs are closed and public... For investment use public ... They are like joint stock companies that sell their shares in the public domain.

Having entered the above-mentioned portal, an investor can see the shares of which budget machines are put up for sale and at what cost. Most often they offer their shares online lending services as well as various exchangers .

By analogy with shares, an investor who has bought a stake gets the right to vote on decisions related to the management of the budget machine. The BA that has placed its shares undertakes to redeem them at a value below the market value. In addition, the investor who bought the shares is entitled to dividends which make up 25 -40 % and can be paid several times during a calendar year.

In general, participation in budget slot machines is a rather profitable online investment tool. The risks in this case are the possibility of a fall market value share, as well as fluctuations in exchange rates.

Method 14. Private online lending

You can also invest money on the Internet through private lending ... This can be done either directly or using the credit exchange offered by the WebMoney electronic money service.

The principle of operation is quite simple. Borrowers place loan applications on the exchange. Investors, studying their list, choose those borrowers that are most suitable for them. It should be borne in mind that the best applications are processed very quickly. Therefore, it can be quite difficult to invest your money in a short time.

When looking for a borrower, an investor should pay attention to a number of important parameters:

• BL of the potential borrower (must be not less 200 );
• the presence of a so-called personal passport, which means that the borrower has confirmed his personal data in the system;
• whether the user has a positive borrowing history.

This approach helps the investor to significantly reduce the risk of default on funds. Moreover, lenders with a large enough work experience develop own ways check the borrower. They also create blacklists, in which users are added who are considered unscrupulous. This allows investors to significantly reduce the potential for fraud.

All of the above applies to lending using the WebMoney service. If an investor decides to issue a loan directly, he can use a variety of professional resources to find a borrower - communities and forums ... The advantage of this option is that the investor can communicate with a potential borrower directly, after which he forms his own opinion about him as a person.

Regardless of how the search for a borrower is carried out, there is a certain risk that the funds issued on a loan will not be returned. The so-called diversification of risks.

In other words, the investor can distribute the funds that he plans to invest, between several borrowers... It turns out that even if one of the borrowers does not return the loan, the investor's losses will be covered by the income that he will receive from other issued loans.

Experts do not recommend this way of investing. beginners. This is explained quite simply- lending to a small number of borrowers is accompanied by a high level of riskiness, while income is significantly lower than desired.

To get really big profit from online lending, you need to spend a lot of time working with them and minimizing risk.

Method 15. HYIPs

There are other interesting investment projects on the Internet - these are HYIPs (HYIP) ... This concept was formed as an abbreviation of the English phrase H igh Y ield I nvestment P rogram. Translated into Russian, this means investment program that brings high income .

Hype is a project that promises a high level of income to its investors. Just like any other investment product, high profits for HYIP come with significant risks.

Some people think that hype is common fraudulent scheme... Nevertheless, many investors manage to earn substantial profits from them. To do this, it is enough to choose a project in which the turnover of funds will be as transparent as possible.

It is important to understand that any HYIP has a limited lifetime. Especially honest companies openly declare this to investors.

To make good money on HYIP, you should follow a few simple rules:

• you should invest funds as early as possible from the moment the project appears;
• investments must be divided between several HYIPs (at least three);
• profit is best removed in parts;
• Before investing in a project, you should thoroughly familiarize yourself with the principles of the project.

Compliance with all these rules will help you get good money from investing in HYIPs.

Thus, a large number of investment tools can be found on the Internet. They all have how Benefits and limitations ... To make good money, it is important to choose the right tool correctly.

The choice of an investment object also depends on how much the investor has. In one of our publications, we told (half a million), a million or more to earn.

For the convenience of choosing a tool for investment, we summarize their main features in the table.

5. TOP-7 golden rules of Internet investing 💎

Many people perceive online investing methods as a great way to make significant profits. It is only natural that a large number of newcomers decide to invest. That being said, many of them make the same common mistakes.

However, most of the problems could have been avoided if a number of investment rules were followed, which experts call gold... As soon as beginners learn, understand these rules and begin to actively use them in their activities, the return on investment increases significantly, while the risks are reduced.

So what rules should you remember and follow?

Basic rules for online investing

Rule 1. Do not invest funds that do not belong to you

You should never invest money that you have borrowed. If any mistake occurs when choosing a tool, you will not only lose money, but you will also have to return the funds to the lender. Therefore, those who have no money are best wait and collect the amount required for investment.

Rule 2. You shouldn't invest your last money

You cannot invest all the money you have available. It is important to remember that investments always come with tangible risks of losing funds. Therefore, the investor should always have a certain financial reserve, the so-called airbag .

Then, even in the event of an unsuccessful investment, he will not be left without a livelihood and will not lead his family to a situation where it will not be possible to pay even the obligatory payments and there will not be enough money even for the most necessary.

Rule 3. Develop an investment plan

The investor is unlikely to succeed if not will develop an investment strategy. Moreover, the absence of a pre-developed strategy leads to the fact that investment cannot be called a full-fledged investment.

It is important not only to think carefully about the plan of action. It is advisable to write it down, and subsequently try not to deviate from it. All changes to the strategy should be made only after careful analysis of previous investment results.

You cannot change the plan at the time of investment based only on emotions and momentary desire.

Rule 4. Continuously increase the amount invested

All investment instruments involve investing money for the purpose of making a profit. Naturally, the level of income depends on invested amount... Therefore, you can increase income only regularly increasing the invested capital.

It is possible to increase the invested capital by saving money from the main source of income. There is another option - not to withdraw the earned profit in full. Part of it can be used to increase the amount invested.

Investors are constantly debating how much to increase their capital each month. Like all other parameters, the amount of the increase should be set purely individually. Somebody believes that in order to quickly achieve financial independence, you should invest all available funds. Others it is difficult to postpone even a small amount.