How to create passive income from scratch? Proven ways to gain financial independence. Passive income - ways and sources of income, types and ideas of investments Additional passive income

Hello, dear readers! With you again and today we will examine the main topic for everyone who has firmly decided to break out of the trap of financial dependence on the employer and finally begin to create their own small factory for producing money. So, the topic of this material: passive income. By the way, if you are still racking your brains about how to get an active income to begin with, I recommend reading the article:.
Probably everyone has heard this quote from Rothschild:

He who owns the information owns the world!

In relation to our topic, it can be paraphrased:

Whoever has information about how to make passive income owns the money!

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

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

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

Benefits of a bank deposit!

Even a child can receive such passive income in Russia. Of course, a child will not be able to open a deposit personally, but the procedure itself is extremely simple and does not require any special knowledge, so deposits are suitable for everyone. This explains their popularity among the general public.
You don't have to do anything. You just come to the bank once, enter into an agreement, give the money to the cashier and after a couple of years you take it back along with interest.
Reliability. Firstly, your passive income is guaranteed, and you will receive a strictly defined profit specified in the contract. Secondly, it is believed that it is almost impossible to lose money on a deposit, that is, the risks are very low. This is both true and to some extent misleading. Next, I will explain what problems an investor may face in the coming years.

How much can you earn?

The answer is not at all. Surprised? Yes, almost all materials examining examples of passive income tell you how easily you can get an income of 100,000 rubles per year through bank deposits with 1,000,000 rubles. But this is a superficial look at the situation.
To understand why a deposit is not capable of generating significant income, you need to understand several terms:
Money. It is a measure of the value of goods and a means of payment.
The purchasing power of money is the amount of services and goods that you can purchase with a certain amount.
Inflation. This term refers to the general increase in prices of goods and services.
Devaluation. This is what they call a depreciation of a currency, in our case the ruble.
Money itself, that is, banknotes, is of no value to you and me. They matter only insofar as we can buy something with them. Right?
Now look. In 2015, according to Rosstat, the official inflation rate was 12.9%. Since Rosstat employs those same storytellers, we make allowances for reality and get actual low inflation at a minimum level of 20-25%. At this rate, the purchasing power of your money is decreasing. That is, a year ago you could buy 100% of some goods and services with the amount you have, but today you can buy 20% less.

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

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

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

Tip #1. Only systemically important banks. These are the largest credit institutions in the country. Their deposit rates are lower than those of small banks, but the Central Bank will definitely not take away their license. In addition, if such an institution begins to “fall,” it will certainly be supported by funds from some National Welfare Fund or other state fund. I won’t disclose the specific names of banks - I don’t do advertising. But you can look at the ratings of credit institutions yourself.

Tip #2. Select the deposit currency. The ruble is extremely unstable and will steadily slide down in the coming years. Whether you like it or not, this is a fact. What's the conclusion? You must open a deposit in dollars or euros. Indeed, this sharply increases the profitability of the deposit in ruble terms, allows you to completely cover inflation and even get a small profit of about 3-3.5% per annum.
But this is not an ideal option either. Why? There is a risk that the authorities will decide to forcibly convert all foreign currency deposits into rubles at a fixed rate. You understand that this course will not be in your favor. There is only one way out - a multicurrency deposit. According to the conditions of opening such a deposit, you can, if you smell something fried, convert currency in one click directly in the Internet bank. Please pay attention to the conversion fee.

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

Tip #4. Confirmation of source of income. In connection with the strengthened fight against money laundering, banks will have the opportunity not to give depositors their money if they cannot explain the origin of the funds and document that they have paid all required taxes on this amount. So, prepare your documents in advance.

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

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

How much can you earn from real estate?

If we talk about Russian real estate, the answer is the same as with bank deposits - not at all. It made sense several years ago to extract passive income in Russia from Moscow and St. Petersburg real estate. But now the situation is fundamentally different. In order not to be unfounded, I will explain in detail how real estate buyers and landlords usually make money.

On transactions with housing you can receive residual income three times:
At the construction stage, an apartment costs 15-30% cheaper than at the time the house was put into operation. That is, in 1-2 years, while construction is underway, without doing anything, you can increase your investment by a third. The only catch is that the construction is unfinished. Therefore, you need to choose only properties of large developers and builders who have access to borrowed capital.
Rental income. Actually, this is the rental of housing. After expenses, the average annual return is approximately 4-6%. Note that this is even less than interest rates on deposits.
Increase in price of the object. If in the case of deposits inflation “ate up” our money, here it plays into our hands - real estate rises in price along with all other goods by about 10-12% per year. But even in this case, not everything is so simple, which I will discuss below.

So how much can you earn? If you successfully buy an apartment in a building under construction at the foundation pit stage, in 1.5-2 years you will receive an increase of 7-15% per annum. Not much, but not bad. Then, every year, the property, subject to the growth of the real estate market as a whole, will increase in value by up to 12% per year. Passive income from renting out an apartment is about 5% per year. Thus, in 5 years, ideally, you can return on average 70% of the money invested. That is, the total return is about 14% per annum.
This is barely enough to cover inflation. But in reality you will not receive such income. Why?

There are several reasons:
New buildings no longer bring such high returns during the period of construction of the house, and the risks of running into long-term construction are constantly growing.
When renting out housing, a lot of side expenses arise, including the cost of finding tenants, purchasing and periodically updating furniture, major and cosmetic repairs, taxes, and finally. Also, don’t forget to take into account periods of downtime when there is no tenant yet and utility bills continue to trickle down. As a result, the real rental yield barely reaches 3% per year.
Property markets around the world tend to develop into what are known as bubbles. While these same bubbles were forming, Moscow new buildings were steadily increasing in price by 10-12% per year. But in 2015, the holiday ended - the balloon began to deflate, and at a rate of 14.5% per year in rubles and as much as 33.6% in dollars.

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

How to make passive income in real estate correctly?

If you do decide to invest in housing someday, here are some recommendations:
in the coming years, buy housing only abroad;

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

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


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

Method number 3. Creating an intellectual product!

Alas, it is almost impossible to create residual income without at least minimal investment. Actually, there is only one way: to create something valuable. The choice seems limited, but in fact it is extremely wide. You can make money from writing, inventions, photography, blogging. Particularly successful mobile application developers are making good money these days.
Of course, there is no single monetization recipe for all of the above endeavors, but in many cases you can find at least an approximate strategy for creating and promoting a sought-after product. The Internet is literally teeming with recommendations on how to earn passive income on the Internet by blogging or creating an information website, or how to make a fortune as an iOS application developer. I admit, I am far from an expert in these matters, and the format of the material does not allow us to consider in detail all the many quite sensible recommendations for creative people who want to create a source of passive income.
Here I will give several examples of how real people, like you and me, create billions of dollars in capital from scratch and how much they manage to earn:
YouTube blog author Felix Kjellberg's videos are regularly watched by 40 million subscribers. The channel's annual revenue is $12 million.
Ethan Nicholas, a developer from North Carolina, USA, earned $800,000 from a simple iShoot game.
Canadian Danielle Fong has come up with a new way to accumulate and store energy obtained from wind generators and solar panels. Peter Thiel and Bill Gates have already invested over $30 million in her startup.
German photographer Andreas Gursky managed to earn $4.3 million from the sale of one photograph alone. Of course, his income is not limited to this.
Damien Hirst, one of the most successful artists of our time, is worth about $1 billion.
Probably the well-known writer JK Rowling earned $1.5 billion from her wizard Harry. This is the total income from the sale of all copies of the book series and the film adaptation of bestsellers
Unfortunately, such methods of passive income do not offer any guarantee of commercial success. So doing photography, painting or writing makes sense mainly for the soul, and turning the results of creativity into millions and even billions of dollars is mainly a matter of chance.
As for the practical side of the issue, do not forget about such little things as copyright registration. In particular, to obtain a patent for an invention or utility model, you need to contact the Federal Institute of Industrial Property. And if you've written a book and want to protect your interests before pitching it to publishers, print it out, dated, and mail it to yourself.

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

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

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

How much will you earn on securities?

Let's start with bonds. The profitability, frankly speaking, is modest. For example, on Gazprom's currently in circulation medium-term ruble bonds, the annual yield is only 7.55%. For some VTB 24 bonds with a par value of 1000 rubles, the income is 9% per annum with payments 4 times a year. A little better, but the problem is the same as with bank deposits - your passive income will not cover even inflation.
Now for the promotions. As an example, I will take one of the most profitable stocks in the world at the moment - Apple securities. The cost of one share of the company in April 2016 reached $108. Dividends for 2015 were 47 cents per share. You understand, it’s not a lot, at least if you don’t have several million dollars to invest.
In fact, dividends are never big. The main profit comes from rising quotes.

So, 6 years ago, that is, at the beginning of 2010, the cost of an “apple” share was only about $28. Thus, during this period, the company’s shareholders received a passive income of 285%, not counting dividends. The average annual return was more than 47%. Not weak, right?!
But I emphasize once again that Apple shares are one of the most successful examples on the market. Most corporate securities, unfortunately, cannot boast of such indicators. In addition, there is always a high risk of a significant drop in quotes, and it is not always possible to predict it accurately enough.
The profitability of futures and CFDs depends directly on you and your skills in forecasting changes in the rates of underlying assets. So it makes no sense to give specific numbers here. Let me just say that successful derivatives traders earn very, very impressive capital.

How to buy stocks and bonds?

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

Just the truth: can you make money on securities?

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

Mutual investment funds.

This is an alternative to direct trust management of your money in a personal account. We are talking about collective investment here. The fund sells its shares, thereby forming the total investment capital. This money is invested in assets: stocks, bonds, real estate, etc. The fund's natural goal is to extract as much profit as possible from these investments. Income is divided among shareholders in accordance with the number of shares.
The main advantage of mutual funds is the ability to invest in expensive assets with a small amount. For example, you have 30,000 rubles. With this money you can buy only 4 shares of Apple. It seems good, but the risks are extremely high - remember, we talked about diversification. You can go another way: buy 3 shares worth 10,000 rubles each, choosing a mutual fund with a strategy of investing in “new economy” companies. Our beloved Apple, Facebook, Microsoft and many other interesting things will be there. Of course, having lower-yielding securities in your portfolio will reduce your overall return. But, at the same time, risks will also be reduced, many times over, and we must always strive for a reasonable balance of risks and profitability.

Method: 5. Passive income from your own business!

I think there is no point in talking about how much a successful entrepreneur can earn, given that everyone knows the clearest examples: Jobs, Gates, Branson, or personally my idol Elon Musk. The only question is how to turn a business from an active income, when you spend days and nights in the office or travel around cities and villages visiting representative offices of your company, into a passive income business.
In general, there is no great science here. First, you need to clearly formulate the company's mission, core values ​​and strategy. Secondly, it is necessary to adopt a process approach to the internal organization of the enterprise. That is, all the work of the company should be divided into separate simple processes and written down in the form of job descriptions for each employee. Such a system involves the creation of control points, the verification of which is sufficient to monitor the company’s activities and its results. In this way, you will be able to manage your company with minimal time investment. She herself will work like a clock. All you have to do is course correct.
When the company has already been built and brought to cruising speed, there is no need to manage it yourself. You can hire a CEO (Chief Executive Officer) and shift the burden of leadership onto him.
Of course, such methods of passive income involve one pressing problem - the question of finding initial capital arises. I outlined my thoughts on this topic in the article:

How to create a business empire through franchising?

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

MLM. Is it possible to create passive income through network marketing?

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

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

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

How to become a venture investor?

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

Passive income. How it works?

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

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

3 types of sources of residual income!

What can act as assets? I have already given specific options for passive income above, but now I will try to explain the essence. So, I would divide all assets into three categories:
The first type is things that become more expensive on their own. That is, receiving passive income or other currency is earning money from the difference between the price you paid when purchasing the property and its value, say, in a year or simply by the time you decide to sell this property. For example, you bought shares at $15 per share, and after 5 years they are already worth $115. The total return is 766%. This is a brilliant result, I tell you.
In the second group I would include property that can be sold an unlimited number of times. An example is a patent for an invention. You can sell the right to use your invention to multiple companies during the life of the patent. At the same time, you worked only once - when you created your invention. And it can bring stable passive income for decades.
The third category is assets that themselves create new value, and you receive income from its sale. Any company can serve as an example. Once you have created a successful business, you can retire, but the activity of the enterprise itself will not stop. It will continue to produce goods or provide services, make a profit from their sale, and part of it will safely end up in your fattening pockets.
I would like to note that this is not a free retelling of some scientific classification, but my own view of the types of passive income. And I’m telling you all this so that you understand the general principles of asset formation and can find and choose for yourself the most convenient and interesting methods of creating sources of residual income, without limiting yourself only to my or someone else’s advice. In the end, you have to do something that you really enjoy, otherwise you won’t be able to achieve truly great success.

What's stopping you from creating passive income?

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

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

What passive income options did I choose?

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

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

Who wouldn’t want to travel to different countries, relax at resorts and do whatever they want, while receiving a constant flow of money, but is this possible? - Of course!

This time we'll talk about how to create passive income from scratch, what methods exist and how long it will take for financial independence.

Passive income- this is profit that does not require your direct participation. But it only needs indirect actions that help create and maintain a constant income.

That is, our task is to do something once, after which we will receive a constant profit and only occasionally make changes that will help maintain or increase our income.

10 ways to create passive income

As always, let's start with the simplest, where the minimum investment is required. And we will end in the most profitable way, which will require the most return.

The simplest and most reliable option is to open a deposit in a bank, where you can receive 6-10% profit per year, depending on the total period and amount of investment.

For example, with a deposit of 100,000 rubles, you can earn 8,000 rubles in a year. But if next year you invest 108,000 rubles, then your income for the next year will already be 9,000 rubles.

If you reinvest over 10 years, you can save 250,000 rubles. Imagine that you invested a million rubles, then in 10 years you will have a net profit of more than 1.5 million rubles from the bank.

Remember that banks may have their license revoked, in which case the state will return the money within 1.4 million rubles to all clients.

2. Investments in HYIPs

There are business projects on the Internet that collect investments from people, and after a short period of time pay them back with high interest.

A more popular name for such projects is . In 2016, we managed to rise from $3,000 to $12,565, that is, we received more than 300% of net profit.

Where there are high profits, there are always high risks. HYIPs often close before you have time to withdraw your money. Therefore, I recommend reading -.

Well, if you don’t want to understand this, then you can just follow our list of HYIPs that pay in 2017.

is the most famous cryptocurrency in the world, which was created for the quick transfer of money without commission and at the same time you can remain unnoticed.

He was mining this cryptocurrency using his computer and having accumulated a decent amount, he waited for the rate to rise in order to sell everything.

At the moment, 1 btc costs $900, and at the beginning of last year, it could be bought for $400. That is, with an investment of 100,000 rubles, you could earn 220,000 rubles in a year (120 thousand net).

PAMM accounts— this is connecting a personal Forex account to an experienced trader, after which transactions will be copied on your account.

Thus, an experienced trader can bring up to 300% of profit in a year, of which 30-60% is taken for himself (commissions for excellent work).

As a result, you can earn from 30 to 180% profit per trader on PAMM accounts. Experienced investors create entire portfolios with up to 20 different PAMM accounts.

5. Earning money on social networks

Social networks are recognized as the most visited sites. And where there are a lot of people, there will always be many opportunities for passive income!

For example, you can do:

1. Create a channel on YouTube and earn money from advertising;
2. Create and promote VKontakte groups for resale;
3. Create a large VKontakte group and earn money from advertising;
4. Create an account on Instagram and complete small tasks to earn money;
5. Post affiliate program links.

6. Participation in affiliate programs

Few people know that most of the current Internet services can bring in additional money. For example, you send a friend a link to a useful site, and for this you receive a percentage of his order.

affiliate program- this is making a profit from the service where orders are made using your links. You earn from 5 to 50% from this (depending on the service).

But only a few of these build an entire business! For example, you can praise LetyShops on various forums, which allows you to save money on electronic purchases.

If your friend buys a lot of goods on AliExpress, tell him that you can save 5-10% on each purchase if you do this using LetyShops!

And not so long ago I compiled a list of the most that can bring up to 30,000 rubles a month from various forums and social networks!

7. Creating an information business

If you are a true professional in your field, why not write a book and teach other people? We are talking about creating a cool information business that will generate passive income!

To do this, as a rule, they create a personal website where they beautifully talk about what you can achieve if he buys your book or takes an entire course for 30-50,000 rubles.

In addition, you can create a personal channel on YouTube and promote it to 50,000 subscribers. After which you will have many clients.

Several of my friends are already working closely with the information business and I can say with confidence that after a few years you can earn 150,000 rubles a month (from the sale of books alone).

Do you know that about 70% of all light industrial goods are produced in China. They have learned to make high-quality things that are also very cheap.

There are really many schemes for making money from China. For example, you can open a company and participate in tenders for the purchase of equipment or open your own store in the city.

Another way to sell goods is through the Avito or Yula platform. Well, in addition, open your own online store.

As a rule, the markup on goods is 40-80% of the original cost. Thus, by selling a dozen products a day, you can achieve a net income of 100,000 rubles per month!

A business such as real estate resale is not suitable for everyone, because for this you need to have a decent amount of money. Realtors are well aware that this is a great way to make money.

For example, in Moscow, apartments at the excavation stage are being snapped up quite quickly, especially if the house is being built in a new area that is just being developed.

After the house is rented out and all the amenities have been completed, the apartments rise in price by 20-50% of the initial cost. Well, after the development of the entire area, apartments will cost 2 times more than the initial price.

Thus, with an investment of 3,000,000 million, in 5 years you can get 6,000,000 million rubles. Therefore, wealthy realtors often buy apartments at the foundation pit stage.

10. Renting office space

One-room apartments in Moscow closer to the center cost 5-7 million rubles, and such an apartment can be rented out for 40,000 rubles. That is, our one-room apartment will pay for itself in 12.5 years.

But smarter people will look towards office space, where for that kind of money you can get up to 70 sq. m and when renting from any company at a standard price of 13,500 rubles sq. m, the premises will pay for themselves in 6 years.

It turns out that buying an office is 2 times more profitable than buying an apartment. By the way, retail premises can pay for themselves even faster!

In fact, there are many more interesting ways to create passive income that never made it into one article. If you want to continue, write in the comments.

Concerns a lot of people. The explanation for this is very simple - everyone would like to be able to earn money without bothering with any work. This is the idea of ​​passive income - getting money without working.

The desire to start looking for such a “source of money” especially intensifies during periods when a person encounters difficulties at his main job and understands that he does not want to spend his whole life engaged in routine shuffling of papers, but would like to devote more time to himself, his family, relaxation and self-development.

In this article we will try to describe the most accessible passive income business ideas. Perhaps those who read it will be inspired and find their own source!

Rental

One of the most popular and simplest, perhaps, is income from rental property. This idea is elementary in terms of resources for organizing such income - it is enough to find tenants for the property that you own. On the other hand, the difficulty is, firstly, obtaining ownership of what you would like to rent out; and secondly, achieving profitability. Let's explain in more detail.

A great idea for passive income is renting out an apartment in the city center. What difficulties might there be? Firstly, not everyone has such a property. This is the main problem. Secondly, if you have such an apartment, you need to find a tenant for it. Thirdly, this person should be offered a rental rate that he could afford and, moreover, that would be profitable for you. This should also include the costs of cleaning the apartment after the tenants move out, as well as depreciation costs.

In the apartment example, everything looks quite simple - it is for this reason that today so many people are engaged in such activities. Let's take, for example, a more complex object - some non-residential premises located on the outskirts of the city. It will not be easy for you, as an owner, to find someone interested in such a property.

However, to receive such passive income, you can sublease something. This is, for example, when you rent an apartment monthly and rent it out daily. The benefit received is the difference between the rent and the money returned to the owner.

Copyright

A good passive income can come from the creation of some unique protected object. For example, it could be a musical composition, a computer program, a film or an image. With the protection of music rights, of course, everything is very bad in our country - copyright holders can only make money at concerts. Films make money from theater royalties and television channels buying them. But with a program or picture everything is simpler. In the first case, you can, say, start selling copies of your development directly on the Internet, receiving money for each installation. In the second, by posting an image on photo hosting sites, you will also generate real passive income.

Ideas don't end with these objects - you can come up with something to patent it and live on royalty payments for its use.

Starting a business

Of course, another fairly common way to organize passive income is your own business. It could be anything - a store, a cafe, some kind of service provider, and so on. The advantages of this idea of ​​passive income are obvious: by creating one working business and hiring the right staff, you can step back a little from control over it and engage in parallel development of other projects. Thus, we can talk about increasing the scale and growth of your income.

The disadvantage of owning your own business is the high level of risk and a lot of difficulties that novice entrepreneurs face. Also, we must not forget about the starting capital, which varies depending on what you would like to do. However, this is a topic for another article.

Online project

The development of the Internet has led to the emergence of another large and global area for business. Now everyone can start their own business online. It is noteworthy that the cost of creating such a business can be much lower than investing in a real business. But at the same time, you should not hope that working on the Internet is easy - the competition here is no less than in real life. But by launching a successful project once, you can get guaranteed passive income.

The ideas of what kind of resource this could be (news blog, service, catalog, store, etc.) are unlimited.

Investment

Another obvious passive income idea is investing. There are several disadvantages here - high risk and the need to have money for investment. Assessing the degree of risk, the investor makes a decision about where he would like to invest, after which he begins to receive dividends. The latter is the whole point of the idea of ​​passive income.

Ideas for passive income in a small town are just as relevant as in a metropolis. Investing as a tool for passive income pays off everywhere and always; the main thing here is to correctly assess the likelihood of making a profit or losing money. This depends on the area of ​​investment.

conclusions

Of course, the best passive income ideas always remain unknown to the vast majority of people. And only those who have them and who implement them begin to use them. This, on the one hand, is bad for those who do not know what to do to receive such income. On the other hand, everyone has the opportunity to launch their own source of passive income.

If you have money, this could be renting out an object or investing in something. If there is no money, then you can create one based on an interesting idea, or launch your own Internet project. In this case, long-term hard work awaits you, which will certainly lead to success.

And the best passive income idea is the one that works! Good luck in your endeavors!

We all dream of getting money and doing nothing. Imagine this. You are sitting by the pool with a glass of freshly squeezed orange juice. The idea creeps into your thoughts that you need to visit another sunny country. And at this time, every minute there is more and more money in your financial account. Unfortunately, only a few take any steps to make their dreams come true. Creating passive income is not exactly a difficult matter, but the result of such actions gives you a completely different life. I would like to tell you about 5 simple steps that will give you the opportunity to create passive income.

1 step. A burning desire to change your life.

First of all, you must develop within yourself a burning desire to be free, to do whatever you want, to be with those people who understand and love you. In order for the desire to create passive income to become even greater, imagine how every morning you reluctantly go to your unloved job, where you obey your boss, fulfill his stupid wishes, and constantly have to stay late. Do you want another? So get angry at this situation and say that you will do everything to receive passive income and do whatever your heart desires. And to maintain your “burning” desire, every day you must compare the situation that you have at the moment and imagine “the life of your dreams.” So we figured out what needs to be done at the very beginning of the path to creating passive income.

Step 2. Change the thinking of a poor person to the thinking of a rich person.

Try to answer one question: “Why do you only have your 20,000 rubles monthly salary as your income?” The answer is simple. You have a poor man's mentality. You don't see any other ways to get money other than being hired. You have a lot of fears in your head so that money can come to you in large quantities. The result is a boring, dull, mediocre life for an ordinary resident of Russia. And I’m sure that you want something else, and that’s why you’re reading this article now. So your next step in creating passive income will be to change your financial thinking. To do this, I recommend that you read only 2 books. At one time they changed my thinking. These are the Rich Dad Poor Dad and the Cash Flow Quadrant. The author of these books is Robert Kiyosaki. In his books, he shows how you can create passive income by changing your thinking. After reading them, I am sure you will look differently at your income and expenses, at your assets and liabilities.

Step 3. Learn to save money for investment.

It is necessary to understand that creating passive income without investments is impossible. You will definitely need money to create various sources of passive income. Therefore, it is necessary to set aside some money from your main income each time. There is a certain golden rule that will have to be followed. It's called the 10% Rule. Each time you should save 10% of your income. If you received a salary of 15,000 rubles, please put aside 1,500 rubles and don’t touch them at all. This will be very difficult to do at first. Well, then it will become a habit for you. You will understand that it is very easy and you will soon increase the amount of money you have saved. A good result is considered to be 25% of the money saved from income. And when you can save 50%, you will be able to create passive income for yourself faster.

Step 4 Choosing the type and source of passive income.

Next, you will have to figure out what types of passive income there are. For some, it will be better if the cash flow comes from offline (for example, passive income from real estate), and for some it will be easier to create passive income on the Internet. Maybe you will be great at writing articles on a topic that interests you about bicycles. Then you can run your own blog and receive passive income from the site.

Step 5 Investing money in a source of passive income.

Afterwards, you need to invest your accumulated money in the chosen source of passive income. Those. in other words, you must buy an asset that would generate passive income for you. A simple example is buying an apartment to rent out. The purchased apartment will become your asset and will bring you additional income every month.

Video about passive income. The Parable of Pablo and Bruno

Pablo and Bruno take two completely different paths to achieve financial independence. What are you going to see? A great animated film about their adventures. So sit back, relax and watch this lesson on how to change your life - the parable of the plumbing.

Far, far away in a small village near a beautiful valley lived two friends - Pablo and Bruno. They were both young and wanted a better life for themselves. They often shared dreams with each other about how they would become the most successful people in the village. They were not afraid of hard work and looked for opportunities to achieve their goals and achieve their dreams. And one day such an opportunity presented itself to them.

The village chief decided to hire two men to carry water from a spring at the top of the mountain through the valley to the village. Payment for labor depended on the amount of water delivered to the village. Bruno and Pablo set to work with enthusiasm.

Every day from morning to evening they carried buckets of water from the source to the village. They did their job with persistence and hard work. Every evening they returned home with their day's earnings. Bruno was happy with his job and the money he earned. He was confident that this job could make his dream come true. Bruno decided that to increase his earnings he needed to get bigger buckets to hold more water. He hoped that increased income would soon allow him to buy a cow and the house he dreamed of.

But Pablo was unhappy. At the end of each day his back and legs hurt. He felt exhausted. Pablo was looking for an easier way to earn more and one day an idea came to his mind. He imagined building a water pipeline to bring water from a mountain spring to the village. This pipeline would allow him to transport more water without carrying any buckets. He soon became excited about the idea and began planning.

Pablo suggested that Bruno build a water pipeline together, but he decided that this idea was pointless. All Bruno was thinking about now was how to make money faster. He believed that building a water pipeline would take a lot of time and he would achieve his goal later. Instead, Bruno took out a larger bucket and began to carry the water faster. He was sure that this method would bring him more money.

Pablo decided to build the water supply alone. He understood that it would not be easy and would take a lot of time until the water supply was completed. Pablo knew it could take him several years to build. But he concentrated on his idea. Every day he worked and carried water as before, but in his free time he built his own water supply system. In the first month he had nothing to brag about. Bruno and the villagers laughed and teased him. They nicknamed him Pablo the Plumber.

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At the same time, Bruno's income doubled. He has already bought a cow and a big house. His life changed. Now he spent his time after work in the bar, enjoying what his hard-earned money gave him. But he didn't realize that his back was slouched due to hard work. The face was drawn and the body was exhausted. He soon began to carry less and less water as his health got worse and worse.

Pablo worked month after month. Soon a year passed, and then another. Finally the construction was completed. Pablo was now making more money than Bruno. The flow of water into the village did not stop for a minute while Pablo rested, slept and ate. Pablo was happy and could be proud of his insight, hard work and perseverance. Now money flowed to him just like water in a tap.

The story of Pablo and Bruno is a reflection of real life. We usually try to increase our income by working more and more, working in our spare time or holding two jobs. We are also trying to increase our monthly salary, which leads to more employment and less free time.

Most of us trade time for money. We know that each person has only 24 hours a day and that it is impossible to devote all the time to work. The hardest times come when we are unable to exchange time for money due to age, health or some other reason. And then our income stops.

And Pablo did not trade time for limited income, but he did use some of his time to build a water supply system. He knew that the water supply would begin to generate regular income. Pablo knew that a time would come when he would not be able to exchange time for money. What about you? Are you still the same as Bruno, or do you want to be like Pablo and receive passive income? You can start building your financial flow here and now.

7 reasons to create passive income

Freedom.

Every person needs money to survive in this world. To do this, we go to work, where we work for a whole month for a tiny salary. When we work for someone, we are not free and dependent. We do not have the right to our opinion and choice of actions, everything is already described in job descriptions. And, if you have passive income that exceeds your monthly salary, then you have the opportunity to choose and act. You decide when and what to do. Creating passive income allows you to reach a new level of financial development.

Time.

If you create several sources of passive income that bring you high profits, then you have a lot of time freed up. You can use this time as you wish. Someone spends it with people close to him, someone travels, and someone begins to create their own business or another type of passive income.

Independence.

If you have passive income, then you won’t care about salary delays at work, missed bonuses and bonuses. The profit you receive from liabilities gives you the understanding that you are independent. This removes your fear of running out of money and allows you to be more liberated in your actions.

Safety.

When you know that every month you will have money from passive income, then a feeling of security comes. You don't have to worry about where to get money for food, clothing and rent. Even if you get sick and have to quit your job, there is a whole wall of cash flow behind you.

Confident future.

Each of us thinks about our future. What will happen to us when we can no longer go to work? Who will support us? Everyone constantly thinks about retirement. But in the realities of our country, a pension does not provide a secure life in old age. Therefore, by creating various sources of passive income, you create your bright financial future.

Stability.

If you correctly create a passive flow, you will constantly receive money at the same time.

Mobility.

How freezing it is when you have to sit in the office all day. Everything is strictly on schedule, lunch is on schedule. And if you violated the internal regulations, then there will be a deduction from your monthly salary. Passive income relieves you of the effort of exchanging money for time. At a time when you earn money yourself, you can afford anything. You can travel, do yourself and other things that you like.

These are just a small part of the benefits that passive income can give us. I would also like to note that, unlike wages, passive flow does not have a “ceiling” of profitability. How much money you will receive depends only on you.

Passive income without investments...

Many people want to create passive income and often enter search queries such as “passive income without investments.” Of course, everyone wants to relax in the Maldives, drive a cool car and not lose a finger. Wake up! It doesn't happen like that...

Creating passive income is a very difficult and lengthy task that requires any person to have a burning desire, willpower, motivation and, of course, real action. Passive income comes from creating or purchasing assets that generate cash flow.

Sometimes, as passive income without investments, you can count sources of income such as affiliate programs, creating your own information product or website. Yes, income from such assets can be passive, but first you still need to invest.

Passive income is just a consequence of your investments in some asset. So without what investments can you ensure your cash flow?

Passive income without investing in your education is impossible!

In general, passive income is the result of long-term investments not only in assets, but also in yourself, in your education. As Robert Kiyosaki says, you need to increase your financial IQ, otherwise you will remain in the cash flow quadrant, where everyone works for a salary. Start reading books and be sure to read Rich Dad Poor Dad first. Again, you should not limit yourself only to the financial sector. Develop spherically, i.e. work on every area of ​​your life. Finances without health will not come to you either.

So sign up for a gym or martial arts course, buy a bike or start swimming. Also develop your skills in communicating with people. The more you communicate, the more friends you will have who will help you. If you do not develop as a person, then you will not see a money pipeline, as in the parable of Pablo and Bruno. Money comes only to strong and educated individuals.

Passive income without investing your own time is impossible!

Time is one of the main resources in life that we manage. Some people use their time productively, while others don't. Any source of passive income requires an investment of personal time. First, you must understand how the source is created, how much money it can bring in per month, what are the risks that you will lose it. All this takes time.

Then comes the process of actual creation or acquisition. And this is also time. For example, it will take you less time to receive passive income from pamm investments than to create your own website and sell advertising from it. Passive income is not created in seconds; the process can take a week, month or even years.

Passive income without investing money is impossible!

In most cases, it takes money to create an asset. In some cases, this is a big investment, for example, if you want income from real estate and buy an apartment for rent. And some can be done with a small investment. For example, to create a website you need to buy a domain and hosting. This is approximately 600 rubles. Not that much, right?! Again, you can say that I will take other people's money. Ok, if you can, then why not, but then you will need to invest other resources: time, knowledge and skills, ideas.

Therefore, let’s still be honest with ourselves and not say that there is passive income without investments. It’s just that the word passivity itself is misunderstood by everyone. This is the other side of activity. They must be in balance. That's how active you are and how many sources of income you create, so much you can be passive in the future...

So think about what investments you can make today to gain financial freedom tomorrow. And I can also give very good advice. If you want a decent cash flow for yourself in a shorter period of time and with less investment, then this can only be done with the help of passive income on the Internet.

7 simple rules leading to passive income

Rule 1

Pay a tenth of all income to yourself personally. You need to do this regularly and first of all...you love yourself;) (in this regard, you need to be a little selfish). Of course, following this rule requires a little willpower and self-discipline, but these are the main qualities necessary to achieve financial goals. Many people think like this: “Money is already not enough in everyday life... how else can you save something?” Believe me, a tenth will not solve your problems on a global scale...

Rule 2

Control your expenses. It is difficult to “catch” the balance between necessary expenses, emotions and whims, but nothing is impossible;) There is an old saying “There is no such thing as too much money,” but this only happens when we do not “turn on” our brain. Everything in this world is relative...some people don’t have enough money for bread, and others don’t have enough money for a private plane. You need to make it a rule: FOR EVERY RUBLE SPENT - GET THE TRUE VALUE. Clearly plan your expenses and do not touch the NZ (tenth of the deferred part)))). Try to make this a good habit.

Rule 3

Make the NC “work.” Of course, the money you save warms your soul, but it’s of no use if it’s just lying “under the mattress.” And here our task is to invest our funds correctly, thereby creating at first a small, and in the future, a solid influx of cash into our pocket.

Rule 4

Protect your capital from losses and unjustified risks. “Smart” investing is based on the security of your fixed capital. There is no need to rush headlong into the pool and chase after quick enrichment. Before you invest any of your hard-earned money, you need to look into money-back guarantees.

Rule 5

Home Sweet Home. It is profitable to invest in real estate. Everyone should have their own housing, because this is not only a secure rear for the family, but also, in a certain situation, a “reserve” of funds that can always be sent “to work” and will not be eaten up by inflation.

Rule 6

Create income for the future. It is very important to provide for the needs of advanced age and create (even if not a large) financial reserve for yourself and your family at the time when age becomes an obstacle to study and work.

Rule 7

Constantly develop yourself. The more we know and can do, the more we can earn. The world does not stand still, and a person who keeps up with the times, develops intellectually, improves himself, deserves greater rewards.

And so, I hope that these not at all complicated rules will help you acquire useful habits, change your worldview, thoughts about money and income in general. After all, our life depends on our thoughts. Use these 7 rules wisely and you will end financial difficulties forever and even get rich over time;)

Sources of Passive Income

Bank deposit

Everyone knows about deposits in banks. You open a deposit and receive an annual percentage from it. If we assume you put 1,000,000 rubles on deposit at 10% per annum, then in a year your asset will increase by 100,000 rubles and amount to 1,100,000.

Pros: does not require any knowledge and practically does not require your activity (just first select a deposit with a certain %).

Minuses: low income compared to inflation (mostly less than 10%).

Securities

This is an investment in shares of various companies on the stock markets. This is otherwise called investing in Mutual Investment Funds (UIFs)

Pros: accessibility (everyone can do this, because one share is not that expensive), higher profitability (10-30%).

Minuses: it is necessary to choose a long-term investment strategy, i.e. additional knowledge in the field of economics is required.

Real estate

Real estate is one of the most stable types of passive income. People who have a second apartment or some commercial property can easily rent it out.

Pros: stability and transparent income scheme, income depends on your knowledge and actions in this area.

Minuses: you need real estate (real estate prices are high, it is difficult to purchase your first property).

Find out how much you can earn with passive income other than real estate.

Business

Here we can talk about business as a passive source of income, if you create it once and then transfer it to other people for management, i.e. you delegate. Thus, the business makes money without your participation.

There are two types of business: online and offline. In the first case, it could be a beauty salon, and in the second, it could be your author’s blog. Depending on what you choose there will be different pros and cons. By the way, passive income on the site is a very good source that can be created in the shortest possible time.

Pros: in both cases, high profitability is possible (there is no “ceiling”), online business requires less time and investment.

Minuses: offline business has big risks, a lot of investments are needed at the initial stage, in both cases you need great knowledge in the required field (you must have the skills of an entrepreneur, a leader, and a manager

If you have created some kind of service or invention, then you can receive royalties from their sale.

Pros: stability and transparent income scheme

Minuses: you need to come up with something first)

Nothing is more demoralizing than a modest but constant income.

Edmund Wilson

Creating a good source of passive income that will not disappear at any moment and will give you freedom is a very interesting, but at the same time, labor-intensive process. But he's worth it.

How to create passive income of 30,000 rubles?

In order to create passive income of 30,000 rubles and get financial protection, you need to create 3 different sources with a yield of 10,000 rubles. This will be passive income from the website, business and real estate. It is in this order that I recommend creating sources of passive income, i.e. from less expensive to more expensive.

Passive income from the site

Making money on websites has 2 very good advantages that you need to take into account if you are just starting to create passive income from scratch.

Minimum investment

You will only need to create a website and promote it in search engines so that there is a lot of traffic. At first, you only need to buy hosting and a domain. This is approximately 1000 rubles. You can learn how to promote a website and monetize it yourself.

No need to quit your job

You can create a website, promote and monetize it in your free time. Those. you don’t need to quit your main job, where you have a stable income. When your passive income equals your salary level, you can quit your “damn” job.

You need to understand that the site will not immediately bring in money. If you work well, within six months, thanks to the site, you can achieve passive income on the Internet at the level of 10 thousand rubles per month.

Examples of passive income from websites

To make it more clear how much you can earn, let’s look at it with you examples of passive income from various sites.

http://shpargalkaege.ru/ - website for preparing for the Unified State Exam. Traffic 5,000 people per month. Income – 10,000 rubles. Earnings come from sales

http://stroiki-master.ru/ - site about construction. Traffic 300 people per month. Income – 4000 rubles. Income from Yandex.Direct contextual advertising and sales of links in Sape.

url hidden – portal on a gaming theme. Traffic 3000. Income - $5,000. The main source of income is Google Adsense advertising.

Passive income from real estate

Advantages of real estate as a source of passive income

A large number of people invest their money in sources of passive income such as securities, precious metals or make investments in business, and some even manage to participate in all sorts of dubious financial pyramids. But you should know that the risks of such investments cannot be compared with the reliability of real estate, which can bring its owner a good monthly passive income from rent.

Disadvantages of real estate as a source of passive income

Of course, we must admit that income from real estate still has its drawbacks.

Expensive. Like any type of passive income created offline, real estate is an expensive investment. You need to have at least a million rubles to start receiving a decent cash flow. It’s another matter if you already have a second apartment or house, or maybe an office in the city center or a warehouse.

Low profitability. Income from real estate can average from 5-10% per annum. For example, the same passive income as a percentage can be obtained from PAMM investments in a month!

As an option to diversify your investment portfolio, real estate should still be considered as a source of passive income.

Example of passive income in real estate

Let's try to calculate how much money needs to be invested in real estate so that it generates passive income equal to the monthly salary in a city with a population of one million. For example, I will take the city of Voronezh, where I live. A one-room apartment in Voronezh costs about 1,600,000 rubles. If you rent out such an apartment, the passive income minus rent will be 10,000 rubles.

Hello, friends! Do you know what passive income is? It is also called residual income in official economic terms.

Honestly, I personally learned about what passive income is only in 2007, when I came home from the IvI of the State Fire Service of the Ministry of Emergency Situations of Russia in Ivanovo, where I studied and served for 3 long years. Until that time, I somehow had no time for passive income; I was rather busy with active income, even the most active, so to speak.)))

I'm sure that most people are not even familiar with this concept at all. Hmm, passive income, what is it? So here it is. In general, there are two types of income - linear and passive (residual).

Here's an example of linear income - a lawyer, a carpenter, a doctor, a fireman - all these people work and receive income for their work. If people stop working, they no longer receive income. It's simple. Passive income is a completely different type of income.

Passive income is a type of cash income that comes to you constantly, even when you are not working, for the work you did once. This is income that does not depend on everyday activities; it is an integral and organic part of the concept of financial independence.

Interesting yes? What can you do one day to start receiving passive (residual) income? Let me list the main types of creating a source of passive income for yourself.

In principle, there are no other methods, and if they are a network, then they can certainly be tied into one of these categories.

Let's look at each type separately.

The first is royalties. There is no need to talk for a long time. Let’s say you composed a song or wrote a book, made a film, etc., then no matter how much it is published, republished and shown on TV screens (film), you will always, until the end of your days, receive income from it (author's royalties).

A good example was given by Alexey Lukonin in his audio training “The Secret of Millionaires” about royalties. Let’s say there is a patent for tetra-packs, these are bags for storing milk, juice, etc. Just imagine, every time a package is made, some small % goes to the people who own the copyrights to this patent.

Even if it's 1 cent, imagine how many of these bags are made in the world every day!! Uff... A lot!!! These people have long been billionaires...

I think there’s no need to talk for a long time here either. If you have any real estate, house, apartment, office, premises, etc., then you can easily rent them out and get money for it, right? Passive? Passive...

An investment type of passive income is a % income from your cash capital. Do you have $1,000,000 No? It's a pity. We could put it in the bank and receive our not small percentage every month, I would say. You can also create investment passive income by working on the stock exchange. This is work with stocks, bonds, futures, etc.

In general, work with various securities. But again the word WORK is touched upon! This is the moment.

Anyone can become a broker on the stock exchange and earn money, but many people cannot create passive income from this. To do this, you need to have a very reliable and powerful investment portfolio that will generate % of your available capital. And to make this portfolio, you need to learn this.

Personally, I am learning this at ISIF. Today, this is the most powerful school for studying the world of investment and finance on the Internet. Well, the last type is marketing. This is franchising, MLM, etc.

Well, I think everything is clear with franchising. For example, McDonalds is a pure franchise. If someone wants to open a McDonald's branch in his city, he will need to pay a tidy sum to Ray Kroc, the owner of McDonald's - this is his franchise. That's passive income.

MLM - network marketing - promotion of products or services from manufacturer to buyer through a network of independent distributors.

At the moment, people in Russia don’t have a very good opinion about network marketing, but there are many reasons for that. People think that this is a pyramid, a sect, a scam, etc., some think that this is direct sales, some say that this is not a serious business, etc.

For God’s sake, let them think what they want, everyone has their own opinion and, most importantly, their own brains, but it has developed in our society that we mostly think not with our own brains, but go where the majority goes.

In fact, if you take a closer look at this method of creating a source of passive income and figure it out on your own, you can see many great advantages in it!!!

Let me briefly talk about this very network marketing in more detail, so that you understand a little how passive income is created in it. I always explain using the example of sausage.)))

Look here. You came to some store and bought sausage. You come home, your friend comes to visit you and you decide to treat him to tea and a sandwich (a sandwich with sausage, of course). He takes a bite of the sandwich and says, “What a delicious sausage, where do you buy it?” You say like there and there and then.

The next day your friend goes to that store and buys sausage. He gives money for it, takes the sausage and goes home.

Look, thanks to you, your friend found out about sausage and thanks to you, he went to the store and bought it? So? What did you get for this? Because the company increased sales thanks to your recommendation? Nothing, just a simple “thank you” from a friend. Or you could get money not just once, but constantly, when your friend comes to that store and buys sausage.

And note, you will not need to buy or resell anything. Recommendation only . Come on? Is it true? How is it? This is why multi-level marketing companies exist. .

You become a partner of a company, use its products or services (this could be cosmetics, health products, education, etc.) and recommend these products to other people. They will buy the company's products based on your recommendation, and you will receive a % of their purchase.

The fact is that the company no longer advertises in the media, television, etc., now it pays this money to you because you do advertising. Yes, in network marketing you can run around like crazy with products and offer them to everyone, but this is no longer creating a source of passive income...

That's basically all about the main ways to generate passive income. Now you know how to create passive income (residual). As an addition, I can also add a few words about ways to create passive income through the Internet.

This mainly includes blogging, affiliate programs and information products. I work in all three of these areas. You can read a little about this here - There I touched on the creation of information products and affiliate programs.

Updated 01/10/12: Today I created for myself a passive source of income of approximately 30,000 rubles per month through my blog. You can read the report here -. This is passive income only. If we take my overall income from the blog (including NOT passive), then today it is approximately 70,000 rubles per month.

All this thanks to my blog. If you want to make money from a blog, then you need to create one first. at this rate and promote it to thousands of visitors. By the way, for the New Year, all readers of my blog will receive a SUPER GIFT!!! Don't miss the chance to get it!!!

But the passive income I like most is selling information on the Internet. Thanks to this method of earning money, I created real passive income, which has long brought me hundreds of thousands a year. 5,000,000 rubles in 2 years!

Good luck!!!

P.S. How do you like the article? I advise you not to miss information about new free video courses and blog competitions!

Best regards, Alexander Borisov