Where to invest money to earn money. Where to invest money, or the most profitable investments

A bank deposit (or bank deposit) is money deposited with a credit institution (bank) in order to receive income in the form of interest at the end of the deposit’s validity period.

There are many types and conditions of deposits. There are time deposits and demand deposits. In the first case, the deposit is made for a certain period and can be withdrawn in full without loss of interest only after the expiration of this period. Demand deposits do not have a shelf life and are returned upon the depositor’s first request, but the interest on them is significantly lower.

The deposit is an understandable and relatively reliable investment.

Opening a deposit is easy. You don’t even have to leave home to do this: many banks allow you to open deposits through a mobile application or their website. Of course, to do this, you first need to become a client of this bank.

The main advantage of the deposit as a type of investment of available funds is insurance coverage by the Deposit Insurance Agency in the amount of 1.4 million rubles. Within this amount, you can confidently place your deposit in any bank that has a license from the Central Bank of the Russian Federation. If the bank fails, the state will return the money along with interest on the day the license is revoked. By the way, since 2014, more than 300 banks in Russia have had their licenses revoked, and their depositors certainly suffered.

The disadvantage of the deposit is that, compared to an individual investment account, it provides rather modest opportunities for increasing funds.

Individual investment account

Individual investment account (IIA) is a type of brokerage account or trust account of an individual, opened directly with a broker or with a trustee (for example, in a bank), for which there are two types of tax benefits to choose from and certain restrictions apply.

The concept of “individual investment account” was legislated on January 1, 2015. IIS can be opened by both individuals - citizens of Russia, and people who are not citizens of the Russian Federation, but live on its territory for more than six months a year.

The maximum amount that can be initially deposited into an IIS is 400,000 rubles. During the year, the account can be replenished with an amount not exceeding 1 million rubles.

The big advantage of IIS is the possibility of obtaining a tax deduction.

It is paid in the amount of 13% of the amount invested for the year, but not more than 52,000 rubles. That is, with both 400,000 rubles and 1 million rubles, you can return no more than this amount. This option is suitable for you if you have a permanent job and your employer pays taxes for you. There is another option - to choose tax exemption.

The main disadvantage of IIS is that, unlike a deposit, it is not insured by anyone. However, if you open it in a reliable bank (it has been operating on the market for a long time, is in the top 20 rating of Russian banks, there is no reorganization against it) and choose the right investment strategy, you can earn significantly more. In addition, to take advantage of tax deductions, an investment account must be opened for at least three years, during which you cannot withdraw funds.

How much can you earn on a deposit and IIS?

Let’s compare how much you can earn if you make a deposit of 100,000 rubles and open an individual investment account for the same amount.

Return on investment

The weighted average interest rate on deposits for a period of one to three years in Russia as of September 2017 was 6.83% per annum. If you calculate income based on this interest rate, then after a year it will be 106,830 rubles. By reinvesting this amount, after two years you will receive 114,126.5 rubles, and after three years - 121,921.3 rubles. Net income - 21,921.3 rubles.

Profitability of IIS

Strategy 1: investing in government bonds

Having opened an IIS, you can invest in such a reliable instrument as federal loan bonds (OFZ), the issuer of which is the Russian Federation represented by the Ministry of Finance of the Russian Federation. The yield to maturity of OFZ-26205 at the end of November 2017 was about 7.3%. Taking into account a tax deduction of 13%, the return on investment will be 20.3% in the first year. And over three years (the account is opened for a period of at least three years), the average return will be about 11.6%. As a result, in three years you can get 138,504 rubles. Net income - 38,504 rubles.

Strategy 2: investing in corporate bonds

Another reliable and quite profitable strategy is investing in corporate bonds, the yield on which is slightly higher than on OFZ bonds.

For example, these could be bonds of Gazprom Capital and Rosneft. The average yield on the bond portfolio of these companies at the time of writing is 7.97%. If you put 100,000 rubles on an IIS and, as a result, receive a tax deduction for one year, then after three years we will get an average figure of 12.3% per annum. By the end of the third year, the account will already have 141,020 rubles. Net income - 41,020 rubles.

By the way, for individual bond issues of these issuers, coupon income will not be taxed starting from 2018.

Strategy 3: Investing in stocks

The biggest income can come from investing in stocks. However, this is also the most risky instrument for investment, because even if the shares of a company have shown growth over the past periods, this does not mean that this trend will continue in the future. Experienced investors are advised to invest money in several types of shares at once, so that the fall in the shares of one company can be compensated by the growth in the shares of another company. This is called portfolio diversification.

The most proven investment is blue chip stocks - securities of the largest, most liquid and reliable corporations. Among Russian companies, these include shares of Gazprom, Sberbank, Alrosa and others.

If at the beginning of 2016 you had invested 100,000 rubles in equal shares in ordinary shares of three largest Russian corporations - Gazprom, Sberbank and Lukoil, the average return on shares of which at the end of 2016 was 43.93%, then in only one a year you would earn 43,930 rubles. To this amount add a tax deduction of 13,000 rubles. It turns out that in just a year you would earn 56,930 rubles. However, growth over three years is much more difficult to predict.

Bottom line

The deposit is suitable for more conservative and cautious people, probably of the older generation. Opening investment accounts is for riskier people. This is not just a fashion trend, but a good opportunity to make money.

Real incomes of the population depend on nominal charges and the level of inflation. The latter increased by 3.2% in 2017. The growth of nominal accruals is less than the pre-crisis level. A Russian with an average income can pay his living expenses, but he will have no money left for travel or a quality vacation. Therefore, many people think about where to invest their money profitably.

Where can you invest your money profitably today?

The issue of investing funds is very relevant today. Experts advise investing in large projects just after the ruble exchange rate on the market has stabilized. Investors with small capital also have interesting options. Along with Forex and the stock market, binary options are gaining great popularity. If the investor guesses the direction of the price change, he will receive a profit of 50 - 75% of the bet. Other popular areas include cryptocurrencies, mutual funds, and PAMM accounts. Much has been said before about making money from the financial market. But such a direction as making money from Internet games is only gaining popularity. For registering in the project and completing simple tasks, the player is awarded income and bonuses. This option for earning money can be considered as a way to temporarily earn extra money. Investments in bank deposits are still actively discussed. These are risk-free and low-return investments. Banks are also actively promoting deposits in precious metals, both in the form of bullion and compulsory medical insurance. In the long run, these investments are profitable. The question is whether the inverter is ready to wait several months until the price of the metal changes.

How to choose a win-win option when investing money

It’s worth noting right away that there are no risk-free investments. If a bank goes bankrupt, depositors may lose their savings. Investors can only reduce the level of risk to a minimum. What experienced investors pay attention to Experts advise considering as many promising ideas as possible when choosing an object. Then analyze in detail the profitability of each direction. When choosing an object, you should take into account the ratio of profitability and profitability. Before freezing your finances for a long period of time in real estate, you should analyze the profitability of a similar property. Experts advise relying only on your own strength. Only accumulated funds should be invested. If you cut expenses by 30% and increase income by 20%, then even people with average incomes will be able to save $1,000. Diversification of investments You need to invest in different objects, assets and markets. According to risk management rules, approximately 60% of capital should be allocated to risk-free assets. Investing in precious metals has always been popular. Investment risk is minimal. The payback period depends on price dynamics, but on average it is 1-2 years. The rest of the funds can be invested in stocks and bonds. If there is no knowledge, opportunity or time for training, then it is better to entrust the funds to mutual funds. The bank, as an asset manager, will select the best bonds for investment, and will itself formalize and carry out the purchase and sale procedure. You will have to pay a commission for trust management. Calculation and risk control To understand which direction to move in, you need to clearly monitor the current situation. To do this, you need to keep a diary in which all investments in objects and the income received are recorded. There is even a special transaction diary developed for traders of the stock and foreign exchange markets. After all, a trader’s net income is the profit from the transaction minus the broker’s commission. Investors in the real estate market should pay attention to the economic situation in the country. During a crisis, it is easier to buy an object at a favorable price, wait for the market to stabilize and then sell it. Money must work. Therefore, while the investor is studying promising areas of investment, his savings should be left on a bank deposit so that they do not depreciate. The so-called risk-free investment areas are intended more to suppress inflation. Interest rates on deposits barely exceed the average annual price increase. But this earning scheme brings a stable income.

Bank deposits at interest

Banks accepting deposits from individuals must be participants in the insurance system. Then, in the event of bankruptcy of the institution, depositors will receive their savings in a maximum amount of 750 thousand rubles. When choosing a deposit program, you should check whether the financial institution has a license from the Central Bank and whether it is registered with the DIA. Russians trust their savings to government institutions: Sberbank and VTB Group. These banks are market leaders in terms of the number of deposits attracted. However, users in their reviews complain that it is quite difficult to terminate the contract prematurely, and the level of profitability in these institutions is by 2-3 percentage points. below the market average.

Real estate: letting, rent

The safest investment option is to buy real estate. Moreover, it should be purchased precisely during a crisis period, while prices on the market are low. Many investors consider this direction as a way to save money. During periods of crisis, the property can be rented out and rent received. Investments in real estate, as a way to increase capital, require knowledge, experience and the availability of funds. Otherwise, funds frozen for a long time will not bring income. In the second case, it is worth investing money at the stage of laying the foundation. Then, by the time of delivery, the cost of the object will increase by 2.5-3 times.

Investing in small and large businesses

For people with an entrepreneurial spirit and promising ideas, it is best to invest money in their own business. To implement the project, you will have to draw up a detailed business plan, evaluate your competitive advantages in the market and, based on them, think through advertising. During the implementation of the project, the entrepreneur will have to carry out all the work independently. As the business develops, it will be possible to hire assistants. Investments in your own business have one serious drawback - the entrepreneur will have to take on all the risks associated with the implementation and implementation of the project. Or find co-investors. In the second case, profits will also have to be shared with partners. Old methods of investing yield little profit. Those looking for innovative tools should take a look at these offerings.

Stock markets

Investments in the stock market will be beneficial to those investors who intend to freeze their funds for a long period. Intraday speculative trading is a separate profession that takes a long time to learn. To work on the stock market, you need to open an account with a broker and, at a minimum, become familiar with the operation of the platform. The advantage of this method is that you can make transactions not only at your own expense, but also borrow money from a broker and open “short” positions on the market. Upon completion of the transaction, the trader returns the borrowed funds to the broker and keeps the interest income for himself. To work on the stock exchange without a broker, you need capital of several thousand dollars. This option is not available to everyone.

Forex

Even beginners without experience can trade Forex. Brokers develop structured products for their clients. Their essence lies in the fact that the investor distributes his deposit between risky and risk-free investments. The basis of the investment portfolio is not only precious metals, but also popular commodities (oil, corn, sugar, etc.). The investor chooses an investment scheme based on:

level of deposit protection (what share of capital the broker undertakes to return in any market situation); participation rate in each direction of investment (according to this indicator, investments are divided into risky and risk-free).

Online games, casino, poker

The most popular methods of making money on online games today are very risky. By participating in the games, you can win a small amount of money several times. But you won’t be able to make a living playing casino games. They use several schemes to lure money: "A win-win combination." With this phrase, scammers attract money from newcomers to casino resources, which, according to their calculations, can generate good income. Moreover, the information is provided absolutely free. "Program vulnerabilities." With this approach, scammers try to lure money for developing a unique code that will help beat the casino.

Where to invest 100,000-500,000 rubles to earn money without risk

It is better to invest sums of several hundred thousand rubles in real estate, construction and antiques. Properties in the luxury real estate segment should be purchased at the stage of laying the foundation. Every year, the return on investment will increase by 7%, not counting the market value of the property. By the time of commissioning, the cost will increase 2-3 times. For half a million rubles you can buy a franchise. In this case, the license holder provides full support: consultations in the process of manufacturing products, searching for sales channels, designing premises, paying advertising expenses, and conducting personnel training. To receive such advice, you will have to pay a monthly royalty (rent). In 70% of cases, such expenses are fully recouped within six months. You can also invest half a million rubles in your existing business. Investing money at the project development stage is not recommended due to high risks. It is better to use such funds to strengthen positions in the market and develop new segments. It is easier for an organization with a good reputation to achieve this goal than for a startup. Another option is to open a deposit in one of the investment banks. Interest rates of European financial institutions are higher than those of Russian ones. However, the funds will have to be frozen for a year. In case of early termination of the contract, income is recalculated at the minimum rate. If you are thinking about where to invest your money, then pay attention to the following options. These investment methods provide good returns in the long term. Investment in precious metals It is better to invest in precious metals through a banking institution, otherwise there is a chance of running into scammers. It is better not to take the purchased bullion from the bank. If the box or metal is damaged, it will be difficult to sell. In addition, when selling the bullion you will have to pay VAT. If the price of gold does not increase by 18%, then such an investment will be unprofitable. Therefore, you need to invest in bullion for at least 5 years. In the short term, it is better to invest money in an impersonal metal account. The profitability of such investments is lower, but you will not have to pay taxes when closing the account. Investing in cryptocurrencies Imagine a house with a large number of apartments, locked with a key. Each of them contains a coin. You need to go through all the keys to open the door and get the money. The same is true with cryptocurrency. Digital encrypted money is available (Bitcoin, Litecoin, etc.). To get them, you need to go through many combinations. A limited number of coins creates supply and demand. In 2014, the value of Bitcoin increased 100 times and then decreased. The main disadvantage of this method of investing is that there is no guarantee that prices will rise. Endowment life insurance Many people have probably heard about such a service as life insurance. But not everyone knows that this tool can be used to invest funds. The essence of endowment insurance is that the client first transfers a certain amount to the fund, for example, $400 per year. This process continues for 5 years. At the same time, the client’s life is insured against accidents, injuries and disability. The difference between the service and regular life insurance is that if an insured event has not occurred within 5 years of the contract, the company returns all invested funds to the client. And it pays an additional 4% per year for using the money. The client will invest 2 thousand dollars, and after 5 years will receive 2,253 thousand dollars. The income is small, but guaranteed. Mutual funds Mutual funds are characterized by an attractive risk-return ratio. The client transfers the funds to a management company, whose employees independently choose areas of investment and invest them in various assets (securities, real estate, etc.). In Russia, many banks provide this service - Sberbank, Raiffeisen, VTB, etc. The profitability of a deposit is higher than a bank deposit, but there is no guarantee of income. A company may make a profit or loss in a year. Therefore, only large mutual funds should transfer money for management. Deposit money Current clients of a financial institution can open a deposit without leaving their home. To attract customers for online deposits, banks charge a higher interest rate (by saving money on drawing up a paper agreement). To terminate the contract early, you will have to contact the financial institution. If the client has not applied for funds at the end of the contract, it is automatically extended. The main advantage is the money back guarantee. The ability to conclude a transaction via the Internet is a new competitive advantage. Private lending In this case, the investor acts as a lender who lends funds to the borrower and receives interest for this. The lender regulates the level of profitability independently. Interest can be accrued on a daily basis. The disadvantage of this method is the risk of running into an unscrupulous borrower. In this case, it is almost impossible to return the funds. Due to the lack of complete information about the borrower and his actual place of residence, it will not be possible to collect debts through the court. You can start working in this direction through the Webmoney credit exchange. Investments via the Internet You can purchase a site that already receives good income from advertising, affiliate links, and paid services. But managing such an asset requires special knowledge. Otherwise, the site will fall under the search engine filter and the investment will be unprofitable. An equally risky, but more interesting option is to invest money in a startup. Developers of interesting projects usually do not have the means to implement them. So they draw up a business plan and approach investors. The profitability of a project can reach hundreds of thousands of dollars, but the level of risks for such projects is also high. According to statistics, 70% of such projects leave the market. Therefore, experienced investors finance several projects at once.

How much can you start investing with?

You can become an investor in the Forex market with 100 rubles in your pocket. The main thing is to have a desire to earn additional income. Then it will be easier to save 10% of all income for investment. Gradually, creating savings will become a habit and the desire to increase expenses as income increases will disappear. To receive income from the stock market, it is more advisable to open an account with 30 thousand rubles. on hands. Where does this figure come from? The cost of a lot of securities costs on average 1-5 thousand rubles. The basic principle of smart investing is to diversify investments, that is, purchase shares and bonds of different companies. The initial deposit amount does not matter. You need to learn to observe this principle from the moment you make your first deal. Funds should be distributed between risky and risk-free securities. The majority of the investment portfolio consists of fixed income bonds. The share of shares should be calculated so that price fluctuations do not exceed the yield of bonds. This approach will allow you to create a portfolio in which the risks of losing funds are minimized. Taking into account the described rules, the investor decides to buy 4 shares for 2 thousand rubles. The risky part of the portfolio is 8 thousand rubles. The share of bonds in the investment portfolio must exceed 70%, that is, another 27 thousand rubles. It is better to invest in the stock market with a capital of at least 35 thousand rubles.

Investing money together with an investor

You can become a business owner without a large amount of capital. It is enough to find several investors who are ready to invest in the project and become a co-owner of the business (shareholder, shareholder, equity holder). The founders share profits and losses in proportion to their contribution to the capital of the enterprise. You can become a co-owner of a business by purchasing a share in an LLC, company shares, or joining a mutual fund. The right to receive a portion of the profit is not a guarantee of return on investment. By purchasing part of a business, an entrepreneur runs the risk that the invested amount may decrease significantly. The reasons may be different: improper management, a crisis in the market or changes in market conditions. That is, equity participation in investments does not guarantee a return of funds. However, the profitability of such projects over certain periods of time can be two or three times the amount of the initial investment. The largest companies in the world appeared precisely thanks to equity participation in business. In practice, a situation often arises when one investor contributes almost the entire amount, while the other simply manages the company. Since the financial result is divided between business participants, it is advisable to stipulate and fix in the contract the share participation of each of the partners. No country in the world can produce absolutely all goods, and Russia is no exception. More than half of export revenues come from oil sales. For foreign currency you can purchase those goods that are in short supply in our country. Companies purchase foreign currency using rubles to then import goods. The more foreign currency, the cheaper it is (the ruble exchange rate increases). And vice versa. Therefore, on the eve of the New Year, when goods, including imported ones, are sold en masse, the dollar and euro increase in value. At this time, currency should be sold to those who bought it during the year. Gold is a resource whose quantity in the world is limited. In the long term, it makes sense to invest in this precious metal in bullion form. However, when selling them you will have to pay VAT. As an alternative, you can open a gold bank deposit or open a compulsory medical insurance. For short-term investments, it is better to buy gold futures. Experts advise beginners to refrain from working with cryptocurrency. If it brings such a high income, then there is a risk of losing funds. Any national currency has a country, events in which affect its value. Virtual money does not have this characteristic. Therefore, investing in cryptocurrencies just because it is fashionable is not worth it.

How to save money from inflation

An increase in foreign currency exchange rates during the pre-New Year period will be accompanied by a depreciation of the ruble. How to save your savings? Don't keep them at home. To prevent savings from turning into “dead weight”, you should open a bank deposit, preferably in several currencies at once. Unlike Europeans, 40% of Russians prefer to keep money handy at home. Those who do not trust commercial banks should open a deposit in a state bank. Buy imported goods. During the period of ruble devaluation, imported goods are the first to become more expensive. If you have not yet decided on an investment object, do not trust banks and do not want to lose the real value of your savings, buy what you have long wanted (a car, a washing machine, etc.). Savings can be invested in precious metals. After all, during a crisis period their value increases. We are not just talking about gold or silver bars. Today, you can buy rare and expensive coins made of platinum and palladium in banks. There is no point in investing in jewelry. The proportion of precious metals in their alloy is very low. They can be quickly sold at the price of scrap.

Where not to invest money

No matter what level of income financial pyramids promise, you cannot invest in them. In particular, hype funds that are popular today are an example of financial pyramids. Fraudsters attract naive investors with a beautiful website and the opportunity to receive large interest income (50-250%) in a very short time (from one hour). The average lifespan of such funds is one day. Only their creators receive profits from hype. Much has been said in the past about investing in real estate and the stock market. Under no circumstances should you invest borrowed funds in these assets. And it's not about strategy or experience. From a psychological point of view, making money on borrowed funds is very difficult and no one succeeds. Such trading only brings losses. Buying real estate on credit on the eve of a crisis is risky, if only because banks can raise mortgage interest rates. Overpayment of commission completely eliminates the difference in price. Such an investment only brings losses. Investing in a car is not profitable under any circumstances. A vehicle that leaves the gates of an auto center immediately loses 30% of its value. We hope this article was useful to you. If you know other good options on where to invest money and make money from it, share your thoughts in the comments.

From the beginning of the development of capitalism as an economic system, the opportunity and need to invest money appears. Moreover, not only large investors and businessmen, but absolutely every person who wants to call themselves financially literate should make investments. But where can you invest money if there is not so much of it?

If you think that there are no such options, then you are mistaken, and the United States is a striking example of a refutation of this judgment. Citizens of this country, regardless of their standard of living, income and wages, are mostly engaged in investment activities. They buy stocks, bonds, bills... however, where to invest capital will be discussed further.

Asset theory!

I talked about this in previous articles and I’ll say it again: in every person’s life there should be two types of money - assets and liabilities. If you have capital that you have hidden for a rainy day, then you need to get rid of it, this is the essence of the capitalist system. As a rule, it is advisable to invest such money in assets. In essence, your capital will remain the same amount, but it will begin to bring you profit. Moreover, this income will be passive, i.e. you yourself will not make any effort. Work where you worked before, while receiving a good salary increase.

Where can you invest money to make money?

1. The asset that most people create is bank deposits. You give a certain amount to the bank, for which you receive an annual interest. As a rule, the profitability of this instrument is from 10 to 15% per year, which, in my opinion, is too low. And taking into account the fact that in post-Soviet countries the inflation rate sometimes reaches as much as 50%, such an asset is unprofitable, and we need to look for other options. However, it is better to have money in a bank than in a toilet barrel or under a mattress.

2. A more profitable option is shares of large companies. By investing in them, you will receive dividends, and if the contribution was large enough, you will have the opportunity to manage the company’s activities through the board of directors. Moreover, shares are not subject to inflation, so you don’t have to worry about your investments.
To buy this type of securities, you need to register on the website of a financial broker, fund your account and make a purchase. You can also use the Moscow Stock Exchange directly or find a selling shareholder yourself via the Internet. You can also sell shares on the stock exchange.

3. Another option for investing in securities is bonds. In essence, these are the same bank deposits, only for growth you give money not to the bank, but to a large organization that issued bonds. Moreover, your income from them is significantly higher than from deposits in the most profitable bank. As a rule, you will receive over 25% per year on the bond. It is worth mentioning here that banks also invest money in these securities, insure themselves against inflation and earn the difference between the interest on the deposit and the interest on the bond.

4. For fans of “investment extreme”, investments in PAMM accounts and mutual funds are recommended. In this case, you give money neither to a bank nor to a large company, but to an investment firm or a private trader. Your capital goes to the financial exchange, where a manager who knows how to predict the exchange rate of currency quotes or shares tries to increase it.
If he trades for profit, then you receive part of this profit (50% or more), and the rest goes as a reward to the investment company. Moreover, if a trader trades at a loss, then the money is not returned to you, you take on all the risks. It often happens that the manager loses all the money and you do not receive a penny. The risks are, of course, high, but profits can reach up to 100% of the invested funds per month.

5. How many times have you been asked for a loan? I think it’s a lot, because people always need money. You can use this and give private loans at a certain percentage. In this case, the borrower must draw up a receipt so that you have a document with which you can go to court and demand payment of the debt. It is better to give loans to reliable people who have a permanent job and a good income. In general, look at how banks operate and do the same.

6. Investing in your own education is also an asset, because the knowledge gained will subsequently bring you money. If you don’t know where to spend your accumulated funds, you can pay for a contract at a prestigious university or sign up for a series of trainings from a private person. In any case, this knowledge will definitely not be superfluous to you, and thanks to it you will earn even more money.

7. The most profitable investment option has been and remains your own business. If you feel entrepreneurial and think that you can become a successful entrepreneur, and besides, you have start-up capital for a business, then what are you waiting for? Immediately draw up a business plan, take money and start building a beautiful life, because there will be no other chance.

When liabilities become assets!

There are people whose liabilities can become assets. The fact is that when you spend money on yourself and improve your standard of living, your motivation to work increases. You realize that you can earn even more and strive to reach new heights. Of course, this attitude is not typical for everyone; some reach a certain level and stop there. And if you are one of those people who can simultaneously increase their needs along with opportunities, then believe me, you will reach great heights, and business is your destiny.

Where would we be without diversification?

If you want to insure your investments, you can use diversification. In this case, you will buy not one investment product, but several at once. For example, these could be shares of several companies, a couple of bonds, a bank account and a deposit in an investment company. In this case, if one of your assets goes bust, you will not be left without money and will be able to get out of a difficult situation thanks to other investments.

Scams, pyramids, scams!

If you enter the phrase “Where can you invest money to make big money” in a search engine, then in addition to the normal options described above, you will see a lot of pyramid sites or outright scams. The main sign of a scam is fabulous money with minimal investment and skills. If you find another such “mega-option”, you can safely close the page, because apart from lost funds and time, nothing awaits you there.

Afterword...

Money must work, and that's all. If you do not have a single asset, you will not be able to call yourself a fully successful person. After all, assets are both a source of income, a means of insurance in case of dismissal, and a good reserve that can be quickly cashed out. You now know where you can invest your money, all that remains is to pull yourself together and begin your path to success and financial independence.

Mutual investment fund: concept, 5 reasons to trust mutual funds, 5 steps to purchasing a share and 3 types of expenses for investors + TOP 10 best mutual funds of 2016! Net investments are passive income!

• • 1. Bank deposit - which bank is better to put money at interest?
  • 2. Purchasing real estate (editor's choice)
  • 3. Investing in mutual funds
  • 4. P2P lending
  • 5. “All or nothing” - binary options
  • 6. Investing in someone else's business
  • 7. Investing money in your own business
  • 8. Investing in precious metals
  • 9. The magical power of art
  • 10. Investing in venture funds
  • 11. Investing in cryptocurrency
  • 12. Investing in phone applications (iOS, Android)
  • 13. Investing in groups, public pages on social networks
  • 14. Purchase of a payment terminal
  • 15. Investing in yourself
• • Method number 1. Purchase of shares
  • Method number 2. Microcredit in Webmoney
  • Method No. 3. Investment in web projects (sites, portals, services, etc.)
  • Method number 4. Investing in PAMM accounts
  • Method No. 5. Earning money from dachas and summer cottages (editor's choice)
• • Expert tip #1. Deposit in a commercial bank
  • Expert tip #2. Investing money in real estate
  • Expert tip #3. Currency investments
  • Expert tip #4. Investing in your own online business
• 4. Where it is better not to invest money - recommendations
• 5. Conclusion

Economists' forecasts for 2019 (most likely the 20th year too) are becoming less and less reassuring. The catastrophic collapse of the ruble, irrational jumps in lending rates in banks, the tense atmosphere on the stock market - all this gloomy news leads to serious reflection by every Russian.

Everyone is thinking about the same thing: how to avoid annoying financial losses, what and where to invest their money in order to earn, save, or at least not lose, in order to receive a monthly income and so that the wave of financial cataclysm does not completely absorb the money, as well as what purchases should I avoid today, etc.?

But first you still need to charge optimism . Just think about the fact that, unlike millions of other people, you currently have free capital. This means that you did everything correctly before and you have a chance to come out of this situation well. Main– choose the most profitable investment instruments.

What if you want to invest money and make money, but you don’t have any money. For this purpose, we wrote an article - where we also described what to do if banks and microloans refuse to give you money.

Read below about ways to invest money in order to save and increase it. There you will also find expert advice on where to invest money during and after the crisis.

1. Where to invest money so as not to lose - 15 ways to save capital

Each of the methods of investment described below is characterized by a greater or lesser share of risks. And at the same time, under favorable conditions, each of them is able to provide liquidity and profitability to your capital.

Let's take a closer look at financial instruments and their capabilities, what you can invest money in today in order to receive a stable monthly income.

1. Bank deposit - which bank is better to put money at interest?

This method is hardly more profitable than saving money at home “under the pillow.” It is unlikely that it should be considered at all by a serious investor. It is reasonable to use a bank deposit only as a “transit” point on the path of capital movement into more solid financial instruments.

Investing money in a bank deposit is not the best way to increase capital; it can rather be classified as a way to save your money.

Any economist will doubt the reliability of " airbags » bank deposit. After all, in the event of an urgent withdrawal of money, you can lose all the accrued interest. Banks generally find it difficult to part with dollar deposits.

If you want to temporarily entrust money to a financial credit organization, then the most optimal solution would be to distribute 1,400,000 rubles among various banks. This volume of deposits will allow you to reliably insure your capital in case of bankruptcy of any of the financial institutions you have chosen.

Where to invest money so that it works - 7 investment methods that I tested on people

In which banks is it better to invest money at interest?

When deciding which bank to invest money in and where to open a deposit account, get to know TOP 10 leading banks in the country, pay attention to their reliability rating. It’s good if the state is a co-owner of the financial institution. It is unlikely that it is interested in stopping the activities of its own banks. Among them are For example, such “bisons” of the Russian financial market as Rosselkhozbank, Sberbank, VTB and some others.

We present the TOP 5 banks in which you can safely invest your money at interest

1. Bank "Sberbank"
2. Bank "Rosselkhozbank"
3. Bank "VTB24"
4. Bank "Gazprombank"
5. Alfa Bank Bank

2. Purchasing real estate (editor's choice)

There is a misconception that in order to start making money in real estate you need to have a large starting capital. In fact, there are several options to get all the benefits of investing in real estate with a small amount of 200 to 1 million rubles at your disposal:

1. Using the principle of leverage and good debt
2. By participating in a co-investment project, when a group of investors chips in to buy some tasty asset

One of the principles of investing that Kiyosaki constantly talks about is the use of good debt and leverage. The bottom line is that you use only part of your money for the purchase, and take the rest from the bank at a certain percentage.

For example, you have 1 million rubles that you are ready to invest in real estate, consider two options:

You buy for cash a small studio apartment in a new building in a provincial town. When the new building is completed (about 1.5 years after the foundation pit), it usually increases in price by about 20-30%, that is, in fact, you will receive a profitability approximately 1.5 - 2 times higher than the bank one.

Option No. 2 - you take 1 million rubles and purchase 3 apartments using leverage (mortgage). For each apartment you make a down payment of 10% and the rest is paid by the bank. While the new building is being built, you pay interest on the mortgage - about 10,000 - 15,000 for each apartment or 30 - 45,000 per month on the loan, then at the final stage you exit the deal - with this scheme, the profitability increases to 60 - 100 per annum.

Watch a fragment of Nikolai Mrochkovsky’s seminar in which he examines this strategy in more detail:

Acquisition of real estate at the stage of closed sales

A real example of one of our investors Nikolai Mrochkovsky - he purchased an apartment in a new building in the city of Gorodets in the Nizhny Novgorod region at an early stage in closed sales for 975,000 rubles, after 6 months he sold it also at an intermediate stage through a developer company for 1.3 million) His the profit amounted to 325 thousand rubles for 6 months of investment or 33% in just 6 months.

But such projects usually do not appear in the public domain; it is better to look for them at closed meetings and in investor clubs,

Investing in real estate with maternity capital

Investing in real estate in 2019

During the period of the ruble collapse, square meters become much more affordable. However, this investment instrument requires a professional approach.

In 2019, we recommend considering real estate investment strategies that are focused on generating a stable cash flow, rather than counting on rising property values. There is a high probability that the selling price tag will remain low for quite some time, and many new buildings risk becoming unfinished

Investing in real estate will almost always save your investment, and with a competent approach to investing in real estate, it will increase your investment

Options for investing in real estate with a stable rental income

Free investing knowledge base

41 ways to invest in real estate

If you are going in the future make a profit by renting out housing, then it is most rational to purchase several apartments now in a new single-family building or an apartment building. The cost of rent will be increased by such factors as the location of housing near a metro or railway station, developed infrastructure of the area, the presence of large enterprises, airports, etc.

By investing in rental property, you can receive a stable monthly income. (This includes both commercial real estate (renting out a commercial space, warehouse, office, etc.) and residential real estate (cottage (house), apartment, room, etc.))

Download a free business plan from Yu. Medushenko

How to purchase an apartment building with bank money and receive from 100,000 to 300,000 per month from rent

It is advisable to carry out investment activities with real estate at the very apogee of the crisis. Only a true professional can determine the moment when the economic downturn reaches the bottom. Therefore, enlist the support of such a specialist. He will provide you with the best possible purchase.

3. Investing in mutual funds

The essence of this contribution is as follows: you entrust your capital to a fund where it is managed by a team of professionals. You pay for the activities of your money managers and are responsible for them yourself. But for all that, it is a fairly stable source of average income.

It is important to choose a mutual fund with the most popular securities and hope that the market is not “stormed” by strong fluctuations. According to statistics, after the previous crisis, reputable mutual funds managed to return money to investors only after 4-5 years. The most persistent of them were able to accumulate up to 40 % arrived. (What is a mutual fund, and also about other ways of investing money in order to make a profit)

A significant advantage of this investment method is the ability to withdraw your capital or its share at any time.

4. P2P lending

We are talking about the so-called social loan, when ordinary citizens act as lenders and borrowers. The monthly profitability of such peer-to-peer lending can reach 50 % . Your clients will be ready to enter into insured transactions with you at one and a half percent per day.

True, the system that provides a platform for such microloans takes half of your every percentage. However, you will have your 0.70% per day consistently. And after some time, having withdrawn your deposit, you will be able to earn profit.

5. “All or nothing” - binary options

This is what binary options are sometimes called. This investment instrument either gives a fixed amount of profit or gives nothing. Everything depends on the participant fulfilling a certain condition at a certain time. Here you can gain huge capital, or you can lose it.

If you do not understand the marketing topic, then fortune is unlikely to smile on you here. Only “aces” of the currency field feel like a fish in water on a binary option, capable of predetermining the potential risks of a transaction. Read what binary options are and how to make money on them.

Binary options are a high-risk financial instrument, but where there is high risk, there is high profit

If you still want to try yourself in binary options trading, we recommend choosing a reliable broker that has been providing its services for many years. For example, this could include a company IQoption.

6. Investing in someone else's business

Investing money in someone else's business is always a risk, especially in times of crisis. After all, it’s not just, as some people believe, “invest and forget,” but the interest “drips” by itself. To make a profit, you need to be on 100 % confident in the people you trust with your savings.

In Russia, such “numbers” rarely pass. Any business we do requires personal participation. If you decide to invest in someone else’s company, do not part with all your money at once - limit yourself to some part.

7. Investing money in your own business

Small-scale business is the surest tool for increasing investment during a crisis. Of course, at the very beginning you cannot avoid encountering risks. However, once you cross the starting line, you can breathe a sigh of relief.

It is clear that it is hardly worth counting on something grandiose against the backdrop of fading banking activity and wage arrears. However, being passionate about an interesting activity and overcoming difficulties on the path to success guarantee moral satisfaction. (you will find business ideas with minimal investment, what kind of business you can open at home, etc.)

Investing in a business is an excellent investment for the purpose of generating monthly income. For recommendations on where to start opening a business, see the picture.

Well promoted business is a reliable financial instrument where you can now invest money in order to receive a monthly income, since it is the business that will not only consistently generate income, but over time it will also provide funds for investing in other financial instruments.

1. Try to find your niche in a market with a minimum number of competitors. Do not throw yourself into the “pool” inhabited by “other people’s devils.”
2. Follow the beaten path: use ready-made models and business schemes - you will get fewer bumps.
3. It is best to start with the sale of services, especially if there is not enough money to purchase goods.
4. Try to do without bank lending.
5. Don’t be afraid to start: it’s not the gods who open companies.

8. Investing in precious metals

This is a proven way to save and increase your savings. Metals used to make jewelry are considered precious. Such valuable metal raw materials include palladium, platinum, silver, gold . They are too tough for inflation, so they are always in favor with far-sighted people.

There are several ways to purchase precious metals:

• Buying bullion from banks ( keep in mind , that you will have to pay a 13 percent tax if they are sold (after 3 years, no tax is charged on the sale of property (gold)).
• Purchasing coins made of these metals (you can use the services of Sberbank, the main supplier of such products). Unfortunately, the cost of coins is initially greatly inflated in relation to the cost of the precious metals from which it is made.
• Purchasing art and antiques made from precious metals.
• Purchasing gold-backed securities on stock exchanges.
• Creation of a metal impersonal account. In such an account, metals act as currency. At the same time, the person who opened the metal account does not actually have any metals in his hands. This convention has a huge advantage: you don’t have to store valuables. Income from a virtual product is possible when metal prices begin to rise.

The profitability of this method of investing money is also not very high. In fact, no one will give you gold in your hands

9. The magical power of art

This reliable type of investment is not liquid for everyone. First of all, you should have a good understanding of art. Then the profit from these investments can simply go off scale. One masterpiece of painting or one marble figurine can bring hundreds of percent of income.

It is clear that the value of ingenious creations is not threatened by any financial cataclysms. However, finding their true connoisseurs can be oh so difficult. Practice shows that by purchasing a true work of art, you can absolutely save money in troubled times. But, as a rule, only 4 masterpieces out of 10 manages to come true.

10. Investing in venture funds

Investing in startups– innovative projects or enterprises are both profitable and risky. We are talking about introducing previously unused technical know-how into production. Statistics show that only 2 % businesses justify such investments. But the profit from them, as a rule, covers the rest 7-8 % unsuccessful investment objects.

You can make a contribution not only with real money, but also with promised amounts (commitments). Profit should be expected in 3-7 years, until the financially supported companies get back on their feet. Small enterprises created in knowledge-intensive production areas have the best chance in this matter.

11. Investing in cryptocurrency

Cryptocurrency is a new electronic payment method that came into practice on the threshold of the new millennium. Features a high level of protection. Bitcoin became the pioneer, followed by the remaining 150 of its “clones.”

Today, cryptocurrencies are becoming real competitors to traditional money and have a significant impact on the global economy. eBay and Amazon are already working with cryptocurrencies.

Of course, like any innovation, cryptocurrencies do not yet have a wide distribution. However, many experts believe that they are the future. Their main argument is the complete impossibility of inflation of the new type of money.

12. Investing in phone applications (iOS, Android)

The most profitable business– making a profit from applications that can provide real help. It is no less profitable to invest in applications that aggregate useful information on a specific topic.

Free applications are also worthy of attention, the distinctive feature of which is the sale of something.

13. Investing in groups, public pages on social networks

Publics on social networks– one of the most common online messages of our days. Some are trying to make money from public pages, although this is quite a risky business - since there are a lot of scammers and schoolchildren in this field who come for easy money

The main thing is to be a mega-active performer. If you are one of those, you are guaranteed success. This activity does not require special investments. It is enough just to fork out a little at the initial stage. And in the future, the number of subscribers can be increased through exchanges.

A big role in this matter is given to the content of the public, or more precisely, its quality. You also need to be able to choose a topic that is interesting to a wide audience. The relevance of the topic will attract a lot of advertisers. The most popular and most monetized are publics that address issues of money, success, and gender relations.

On the basis of such a popular public page, it is quite possible to establish a profitable sales channel. The main thing is that the products sold are not very expensive and are intended for mass users.

14. Purchase of a payment terminal

Payment terminals currently serve millions of people. The range of options for these software systems is constantly expanding. Using them involves a fairly high commission. Having bought several of these devices, you will burden yourself with only one concern - withdrawing money from them on time.

15. Investing in yourself

Finally, let’s talk about the main thing – investing in your own development. It's not just important. This is the starting point of any business success.

Don't spare money on "smart" books, useful seminars, practical trainings, valuable information products, especially courses on investing and making money . They will become your guides in the ocean of cash flows and investment whirlpools. They will teach you how to avoid pitfalls and shoals. With their help, you can quickly filter out unnecessary, ineffective methods of earning money.

The capital acquired in this way will always be with you. No one can take it away from you under any circumstances. He is not threatened by any force majeure or crises. This is the lowest-cost and at the same time the most profitable type of investment. After all, it is not just risk-free - it is anti-risk. Any investor can only dream of such a combination.

Without self-development, building an investment business is doomed to failure. Investing in yourself is a powerful generator of ideas and a unique catalyst for success.

Before you decide where to invest money at a high interest rate with a guarantee, you need to understand that such an investment is a difficult task, since a guarantee implies low risks when investing. The activity itself (investing) is a risky business, so in any case, where high profitability (high percentages) are present and high risks.

2. Where can you invest money to earn money - 4 ways to profitably invest money

A fatal mistake is an unforgivable luxury for an investor. Especially in times of crisis. Therefore, experienced financiers know: a reasonable investment has nothing to do with what is popularly called “flogging a fever.”

And one more investor taboo: he never reacts to revelations accidentally found on the Internet by some unknown “trader-investor” Vasya Pupkin.

Basic rules for break-even investing

1. Until you have experience, use only available funds for deposits. These do not include money borrowed from someone or bank loans. Investing always involves risks. Don't deprive yourself of your last penny.
2. Don't invest with your last money
3. Take care of passive income by regularly saving part of your salary.
4. Keep in mind that “easy” money (won or inherited) tends to go away just as easily: you don’t feel sorry for it, it’s not earned. You will need to be especially restrained with them.
5. Don't deviate from your investment plan.
6. Carefully study each niche of your investments, relying on the advice of competent people who have achieved real results and sincerely wish you success.
7. Start learning how to invest right now, just like when you studied art or physics at school, most people remain poor only because knowledge determines success in any business - especially in investing.

Let's look at the main ways to invest money at a high interest rate with a guarantee.

Investment is a risky investment of capital with the aim of generating income. Therefore, no one will ever guarantee that you will receive income from your investment. Each type of investment has its own risks, some have greater risks, others less.

Method number 1. Purchase of shares

Purchasing securities can be a source of stable income. After all, having become a shareholder of a reputable company, you can count on regular dividends. But this investment instrument needs to be mastered thoroughly. You cannot rely only on luck, although in the history of the stock market, of course, there have been cases when the price of shares “soared” tenfold over several years.

However, more often there are unpublicized stories involving the loss of all investments. To avoid going broke, it makes sense to entrust the management of your savings to a professional trader with a credible history of profitability.

Method number 2. Microcredit in Webmoney

This payment service provides an excellent opportunity to make money on microloans. You can determine the amount of the borrowed amount and interest yourself. But it won’t be easy to repay a loan from an online fraudster.

So the risks of such online investing are quite high. Experts recommend acquiring a large clientele and giving out small amounts. And you can check the absence of claims against the virtual borrower using his account.

Method No. 3. Investment in web projects (sites, portals, services, etc.)

The advantages of online investments include the following:

• the admissibility of their small volume;
• speed of return;
• high level of profitability;
• the ability to scale your business without the threat of serious risks.

Now let’s look at the features of different types of investing in websites:

1. Investment of funds under CPA affiliates

The essence of this method is that you receive your reward for a certain action on the site, namely: registration in the game, product purchase, application for a tour, issuing a credit card. Such affiliate programs are necessary to promote any selling resource. Moreover, each affiliate solves its own specific problem.

For example, you are tasked with creating a bank card landing web page. You describe several offers and then provide affiliate links. If the application of a user of your page is approved by the bank, you are due a reward of, say, 1,500 rubles (payment for each application is determined by the conditions of work in a particular bank).

The only difficulty here is to catch up with traffic. However, if your efforts have an effect, such affiliate programs can be very profitable.

2. Investing in MFA sites

This time we are talking about resources aimed at generating income from contextual advertising. You are unlikely to get a huge profit from this type of income. However, it has one very big advantage - the ability to almost immediately install an advertising unit on the site. (For example, Adsense blocks or YAN blocks (Yandex advertising network))

This means that the site will start making money almost from the first day of its existence. The level of profitability is largely determined by the theme of the site.

For example, a popular medical portal can bring in 15,000 rubles in monthly income (with an average traffic of 1,500 users per day).

It all depends on the ability to monetize traffic on the site. The most profitable sites for payments in contextual advertising are sites for financial, construction, etc. subject.

For example, the average financial “trust” site can generate income every month of 10 - 30 thousand rubles on link sales.

True, at the current stage of development of search engine robots, the income from this type of investment has dropped significantly for many. Some even stopped betting on it after analyzing the unprofitable dynamics of income.

The main disadvantage of such monetization – after it, the site can be confidently written off as scrap, since search engines can impose sanctions on web resources and then the project’s traffic will drop, and accordingly, the income from the sale of links will also drop. If the site makes money using such an “unclean” method, you will not see a large volume of traffic for “clean” methods of income (contextual, banner advertising, etc.).

Method number 4. Investing in PAMM accounts

This type of investment in Forex is becoming increasingly attractive today. The deposit amount may be limited to only 500 rubles, which contributes to the growing popularity of PAMM. The mechanism of this investment method is to transfer money savings to a professional trader for management. This virtually eliminates non-trading risks. (We recommend reading in - How to trade on the Forex market, where to start playing on the Forex exchange)

A guarantee of the safety of the investor’s interests is the presence of the manager’s own capital on the PAMM account. The latter is only allowed to make transactions on the account without withdrawing the principal’s money from it. The investor can always monitor the progress of transactions online or view the history of their completion.

A big plus PAMM investing is an investor opportunity have full control over your funds , entering and withdrawing them at your own discretion. An investor can also diversify his money by placing different traders in PAMM accounts. You can also carry out trading operations yourself, copying the transactions of experienced traders.

Method No. 5. Earning money from dachas and summer cottages (editor's choice)

Dachas are one of the most undervalued markets today and here’s why:

1. Now it has again become fashionable and profitable to vacation in Russia
2. You can now register at dachas
3. You can live in your dachas all year round and have all the necessary communications connected
4. Transport accessibility in big cities has increased significantly
5. The dacha market has not yet caught up with the new conditions and there is practically no competition on it, while more and more people want to buy a house for the weekend or for a vacation every day

Watch the lesson from our expert - Anton Murygin, who specializes in this special type of real estate:

3. Where to invest money to receive monthly income - 4 expert tips on where to invest money

The 2020s in Russia promise to be years of testing for all citizens, including investors. To prevent it from becoming ruinous for you, experts unanimously urge you not to keep your savings at home. In a year they can depreciate by 10-15 % , or even higher.

You should also follow the forecasts of specialists and advice from experts in a variety of sectors of the economy and, of course, rely on your sixth sense.

Where is it more profitable to invest money now? What investment recommendations do experts give in 2019? In what areas of investment now, in their opinion, are there minimal risks for investing funds? Where to invest to receive monthly income?

Expert tip #1. Deposit in a commercial bank

This financial instrument, popular among our compatriots, is recommended to be used, first of all, by those who do not seek to increase their capital, but only to protect it from depreciation.

It is expected that in the 2020s, the level of inflation in the country will reach 13% - 15% (the Ministry of Economic Development predicts inflation at 5-7%, but it all depends on the state of the economy and we can safely assume that inflation will reach the above-mentioned 13-15 percent) . Meanwhile, the interest rate on deposits in national currency averages 10-13%. Thus, interest payments in banks should cover the depreciation of money.

However, when depositing your savings in banks, you need to take into account two important points:

1 . When choosing a deposit program, give preference to the most reputable and stable financial and credit organizations. Today, the first positions in the reliability rating are occupied by such large financial institutions as Sberbank, Gazprombank, VTB, FC Otkritie And Rosselkhozbank.

2 . Before opening a deposit with a financial institution, you need to clarify whether it is a participant state deposit insurance programs. If you receive an affirmative answer, you can open an account without fear, depositing up to 1,400,000 rubles : such a deposit is considered insured, and, in the event of the bank losing its license, will be guaranteed to be returned.

Expert tip #2. Investing money in real estate

Experts rightly believe that investments in residential buildings in 2019 are long-term investments. Now, many industries have already begun to catch up with the sharp fluctuations in the exchange rate and prices have gone up, real estate is still holding up, and many developers and private owners are offering good discounts.

But if you know how to wait, then this use of your money will be optimal. In a couple of years, prices will rise again, and you will become the owner of a decent profit.

Regarding the selection of investment objects, experts give the following instructions:

• Don't invest (buy) now commercial real estate.
• It is advisable to purchase housing in small but promising cities: they will be the “first signs” in terms of rapid development in the post-crisis period.
• The ideal option is to acquire one- and two-room apartments: they are easy to rent even in times of crisis; in addition, they are considered the most liquid type of real estate.
• To successfully sell a house after the crisis ends, it is often necessary repair it, worry about finishing work that will give the room an impressive and respectable look.
• Reputable investors may consider offers on foreign real estate markets. Today there is an increase in prices in the markets China, Thailand, Morocco, Brazil, Malaysia. Moreover the cost of housing in the listed countries is not at all much higher than on the Russian market.
• If you don't feel confident enough in this area, hire a pro and pay him well. A financial assistant will warn you against many risks and will provide you with valuable information about promising construction projects located in residential neighborhoods convenient for living. You definitely can't go wrong with this advisor.

Expert tip #3. Currency investments

This type of investment is considered a globally recognized method of income in a crisis economy. Experienced investors can earn a good income in a few weeks by transferring money from one currency to another. (We recommend reading -)

However, currency investors should take note of the following information:

1. Anyone who is willing to take risks can make traditional investments in dollars and euros: the value of these currencies will change depending on price fluctuations in the oil market and the situation in the world political arena. The main thing is to monitor forecasts when concluding contracts.
2. A more conservative group of investors it is necessary to give preference to more stable currencies - the Swiss franc, the Chinese yuan or the pound sterling.
3. Buying now is considered promising euros and dollars with a view to selling them next year, when the market value is expected to increase.

Expert tip #4. Investing in your own online business

The most profitable business in the context of current economic problems is conquest of virtual space . The production of goods, as well as the provision of services, are extremely risky enterprises in today's real market. Therefore, experts advise investing (investing) money in Internet projects.

Your own Internet project can be created in various versions:

• in the form of an online store selling consumer goods;
• in the form of a personal blog or forum providing users with paid services or consultations;
• in the form of an information portal that allows you to place advertisements and advertising banners of third-party organizations and individuals for a fee.

It is best to order a website and its promotion from IT specialists, and then constantly fill it with quality content and current offers. Unlimited network activity by territorial and time limits is the best prerequisite for its profitability.

Other smart investment options in 2019, according to experts, are:

• investments in PAMM accounts;
• own foreign exchange reserves
• investments in blue chip stocks and bonds;
• but let us emphasize that real estate remains the most stable and interesting

These are typical pyramids like the infamous MMM. Crazy profits - up to 3% of profit - only shine here for their creators. The lifespan of such a pyramid is from a year to a couple of months.

Another complete adventure is online casino. No one has ever managed to win big money in it, but losing all the capital is quite possible. The fraudulent online gaming scheme is based on the gambler’s inability to stop in time.

If you do not control yourself, it is better not to have anything to do with either real or virtual scoundrels. Don't be tempted by "free cheese": the pursuit of him always ends with the click of the mousetrap door.

5. Conclusion

So, you have learned about the most popular methods of investing during a crisis and have become acquainted with the opinions of authoritative experts on this matter. Now it's up to you. After all, it’s up to you and only you to decide where to invest your money (your acquired capital). The burden of responsibility for the decision made will also fall on you.

Perhaps the choice of investment objects at the moment is not as wide as many would like. Moreover, the situation in the country is so unpredictable that all forecasts are very relative. Therefore, you need to keep your eyes open and be able to quickly adapt. The main thing to understand: a crisis

Read the article by Andrey Merkulov -

Read the article - How to earn money for an apartment in Moscow in 2 months

27.03.2018 67104 0

Hello! In this article we will tell you where to invest your money.

Today you will learn:

1. Basic principles of smart investing;
2. What is the most important object of investment;
3. And where to invest any amount of money in 2018.

Investment principles

The main principle on which the entire modern prosperous society is based is that money should make money. And this does not mean that the main goal in life is the endless pursuit of money. If we translate this principle into a more accessible language, it will sound something like this - free funds should always work and bring additional, passive income.

People who earn huge amounts of money with their initial capital are called investors. The main thing is not to confuse investors with professional speculators - people who make many short-term transactions in order to make a profit. The investor counts on long-term results - by investing his money, he expects to receive income over a period of several months to tens of years.

Professional investors are a special category of people who make money through the successful projects of other businessmen. On the one hand, it’s quite simple - invest your free funds, do nothing and make a profit. But if you dig deeper, even at the stage of choosing an investment object, significant difficulties arise. And after that, monitoring the project, it is necessary to ensure that it develops in the right direction, continues to function successfully and generate profit.

That is why, if you want to successfully invest money, make a profit in a timely manner and work wisely with risks, your task is to follow simple principles.

Principle 1. Diversification of risks. This condition comes first because it is basic. Without it, absolutely any investment will be unprofitable, regardless of the experience, intuition, finances and capabilities of the investor. Diversifying assets means dividing funds between several objects.

Investments are inherently associated with risk. One of the main principles follows from this - the higher the risks, the higher the profitability. These two parameters are directly dependent. At the same time, a person must understand that his investment portfolio should always contain low-risk assets that are guaranteed to bring a small income, regardless of the financial situation on the market, and risky assets that will bring a very high income under favorable conditions.

Principle 2. Only available funds can be invested. This principle is based on banal logic. You cannot withdraw funds that a person needs personally for investment needs. For example, it would be completely illogical to ignore the demands of creditors and purchase a certain investment object with the amount of debt.

That is why only those funds should be used, the loss of which will not be sufficiently noticeable, and which can then be earned within 1-3 months. Otherwise, it is better to refrain from investment activities until you have fully resolved your financial situation.

Principle 3: Investments should always make a profit. Last but not least important principle. It is also banal to the point of simplicity, but many people forget about this. If investments do not bring profit, then they are unprofitable, and therefore, very soon you will be ruined.

That is why, often, profit should come first and sometimes should significantly crowd out risks, despite the fact that in most cases it will be more important to RECEIVE money, rather than HAVE THE OPPORTUNITY to receive it.

These three simple principles are quite banal, but even some experienced investors manage not to use them. For all its simplicity, the third of them is still the most violated. Some professional investors spend their time, money and other resources on unprofitable projects, saying that they will sooner or later start making money. But the main principle of investing is that the project should bring in money, regardless of what it is aimed at (with the exception of charity).

If you remember these three simple principles, then your investment activities will be successful and bring high and stable income.

Where to invest less than 10 thousand rubles

Private lending

Private lending is one of the alternatives to a bank loan. Both individuals and legal entities can also act as debtors, only ordinary people who have free finances act as creditors. The good thing about private lending is that interest rates often vary depending on the risks and systems in which the loans are made.

Most payment systems have their own platforms where users make short-term loans for each other at high interest rates. Often they even exceed the interest on loans from microfinance organizations - from 10 to 100% daily. At the same time, lending through payment systems is quite strongly associated with the risks of non-repayment of funds: according to statistics, about 60% of loans on the Internet are not repaid.

An alternative to payment systems with their increased risks and huge interest rates are special platforms for making private loans. Their work is carried out as follows: the user deposits funds into the system, it automatically selects reliable borrowers, selects the optimal interest rate and issues a loan.

After this, in case of repayment, the system returns the funds + interest minus its own commission. Risks of non-return are also present here, but to a lesser extent. Consequently, interest rates on loans fluctuate from 30 to 100% per annum.

And the last option is credit cooperatives. In Russia, this type of lending is not sufficiently developed, but it still exists. There is no need to talk much about it - just know that this is a unique type of investment, when many people accumulate money in order to lend to one borrower.

Forex

Forex would never have appeared on this list if it weren't for . But according to statistics, only 20% of traders actually earn money, and the remaining 80 only bring money to their broker.

In order to start playing Forex, you will need to devote a lot of time to developing the psychological qualities of a real trader. Despite the fact that at first glance the charts move chaotically, the ability to understand them comes after 2-3 days of studying technical analysis. And it takes an average of 2-3 trader accounts to develop psychological stability, one’s own view of the market and the style of play.

Of course, you can invest more than 10 thousand rubles in Forex, but due to the huge number of risks, this is highly not recommended. Unlike stock investments, which are associated only with the financial risks of the assets in which you invest, many incidents can still happen in Forex, including the bankruptcy of the broker.

Small business resale of goods

Now it has become fashionable to create one-page websites, advertise some product on them and sell it, increasing the price by 200-300%. For this we can thank the guys from Business Youth, who explain to everyone why they should spend 200-300 thousand to learn how to trade goods for 2-3 thousand rubles.

But despite the fact that many people rushed into this, as it seems to them, profitable business, the niche has not yet been truly occupied. There are not a huge number of advertisers who know how to attract clients with minimal investment, there is not a huge number of businessmen who can create a competent sales funnel and guide the client through the landing page so as not to leave him even a single chance of refusal.

That’s why, if you have 5-10 thousand rubles and a desire to understand websites and advertising, you can start a business reselling goods through one-page websites. If working with landing pages is too difficult for you, then you can choose a simpler option for selling goods - groups on social networks and message boards, like Avito.

Hype

Well, where would we be without hype? A very controversial type of investment, which nevertheless is one of the main sources of income for a certain group of very risky “investors”. The essence of HYIPs is this: a small financial pyramid is created that promises fabulous interest on your deposits. This can be argued in any way, including “buying stocks, bonds” or something else.

Money for interest comes from new revenues and a “vicious circle” is created from which there is only one way out - the fictitious bankruptcy of the hype after a certain period of time. It would seem like an ordinary pyramid on which it is impossible to make money. But it is not so. HYIP diligently pays interest the first time. Depending on the scale - from 1 month to 1 year. This is why some people recognize HYIPs, invest in them, and after a short period of time withdraw their funds with interest. This is roughly how the scheme works - those who managed to make money, those who did not have time to lose money.

As you can see, all but the third method are quite risky types of investments. But that’s why they bring in big profits. If you have available funds - no more than 10 thousand rubles, the loss of which will not hit your pocket too much, then these investments are for you.

Where to invest an amount from 10 to 50 thousand rubles

Here we have collected for you 7 current ways in which you can make money with from 10 to 50 thousand rubles. Any amount from this range is suitable for each of them. The methods differ in that they have an average profitability and, in most cases, a short payback period.

Stock game

In first place, of course, is the game on the stock exchange. Having a small amount of money, from 300 to 1000 dollars, you can open an investment account with any broker and begin to learn the basics of trading.

The peculiarity of playing on the stock exchange is that for the first time (from 2 months to 2 years) your task will be to achieve zero profitability. That is, you will have to overcome the commission of the broker, trading and settlement system with the profitability of all completed transactions. Reaching this minimum level is one of the main stages of any trader.

Then there must be the next stage - minimum profitability. It is measured by the inflation rate, or the average level of bank deposits (which in Russia is often much less than the real inflation rate). In general, it will take a trader from 1 to 3 years to reach an acceptable level of income. But after this, you will be able to actively trade on the stock exchange and, thanks to this, receive a stable income.

Bank deposit

Simple and low-income. Investing money in a bank is a great way to cover inflation, or to go almost on par with it. Bank deposits are not suitable for anything else.

A little advice on choosing a bank for a deposit: do not look at the top market players, like Sberbank, VTB, Rosselkhozbank and others. They can dictate their terms to clients, which is why interest on deposits is always lower than in other, medium-sized banks, which must increase their rates in order to attract resources.

The optimal period for which bank deposits are made: 1 - 2 years. It no longer makes sense, since no one knows what will happen in the country, what economic crisis will come this time, and a shorter period reduces profitability. The only thing to remember is that if possible, do not withdraw funds ahead of schedule. Then, in most cases, your accumulated interest will simply burn out. If you urgently need money, it is better to take a loan and provide a bank deposit as collateral.

Mutual investment fund

Mutual funds in Russia, as well as the investment culture in general, are very poorly developed. But despite this, several leading banks - Alfa Bank, VTB, Otkritie and Tinkoff have several mutual funds that really deserve attention.

What are mutual funds: these are unique trust funds, only with a different legal component of transactions. If in trust management funds you transfer money to the manager, and he uses it to buy profitable financial assets, then in the case of mutual funds everything is structured as follows:

• you buy a share in the fund - a unit;
• the investment fund adds the money for the share to its own funds;
• carries out transactions with securities at the expense of all funds;
• distributes profits according to shares.

This scheme is most similar to - when income is distributed according to shares, but funds are not transferred directly to the company - there is a kind of exchange of funds and shares in the company. Mutual funds are good because they provide a return higher than that of a bank deposit, but at the same time their risks are relatively the same.

Buying a site

The most profitable investment method of all those presented on this list. A website is a platform for earning money, capital for resale and the opportunity to promote your own goods and services.

There are two ways to make money by purchasing websites: selling advertising and reselling the website. Each of the methods is good in its own way. For 50 thousand rubles you can buy a site that brings its owner from 5 to 15 thousand rubles a month, depending on how competently the owner assessed it. And after time has passed for self-sufficiency, you will be able to receive net profit with almost no effort.

Reselling websites is a more complex process that requires certain skills in evaluating and selling Internet resources. In order to engage in resale, it is recommended to create a website yourself, and only after the entire path has been completed can you begin resale as a full-fledged business.

Precious metals

When we say “investing in precious metals,” we most often mean investing in gold. This is one of the most sought-after metals on today's market, its price is steadily growing over the long term, and during periods of global crises it simply skyrockets.

A little about why this metal is so valued. Gold in investment terms is very attractive because any state, regardless of what economic state it is in, is interested in attracting gold reserves. That is why, when prices begin to fall all over the world, there is only one thing left to do - to seek salvation in the “safe haven” of investing in gold.

It's easy to invest in it. It is enough to open an impersonal metal account in any bank that provides these services, and you will already have on hand a sum of money equivalent to the amount of gold that you purchased. But you shouldn’t expect that it will immediately go up and that money will flow into your bank account. For gold to generate significant income, 5-10 years must pass.

Cryptocurrency

Cryptocurrency is now one of the subjects of heated debate among investors and economic experts from around the world. Some say that this is not a currency, because... it is not backed by anything and will disappear over time (we would like to know what, for example, the dollar is backed by), others, on the contrary, argue that due to the demand for it and the limited quantity, it will become more and more valuable until it is replaced by new ones types of money.

Cryptocurrency is, at its core, computer code. It does not have physical weight, security or a clear, fixed course. But this does not prevent it from being wildly popular among people who want to keep their payments anonymous.

There are several types of cryptocurrencies, but the largest currency is Bitcoin. Now it costs about 1 thousand dollars, although some 5-6 years ago a person bought pizza for 10,000 bitcoins.

You can use cryptocurrency as an investment object only in two cases: when you intend to make money on speculation and if you really believe in the growth prospects of cryptocurrency.

Where to invest an amount from 50 to 500 thousand rubles

Here we have prepared for you larger investment methods that require a large amount of capital.

Investing in stocks and bonds

Investing in securities is a popular procedure for accumulating funds in Europe and America, which almost completely replaces bank deposits. According to statistics, about 50% of American families keep their savings in securities.

Investments compare favorably with trading in securities. If you have an amount of 100-200 thousand rubles, any broker will be able to not only provide access to the securities market, but will also help with advice on where to invest.

There are two investment options: aggressive and passive. With an aggressive style, you will invest money in the securities of promising companies; with a passive style, you will only need to pour money into the securities of well-known companies, benefiting from the difference in price and dividends.

If you need a method of investment that requires minimal participation in the process, periodically checking and insuring yourself against large losses, while having a return of 2-2.5 times more than bank deposits, then investing in securities is the best option.

Trust capital management

Trusted capital management is a relatively new service that is offered by companies of various calibers. Starting from banks and ending with special centers, firms provide asset management services to individuals and legal entities.

Trusted capital management is as follows: each company has an area of ​​activity in which it has achieved success and can earn decent money. For the most part, this area is trading in the stock market. And in order to increase investment volumes and reduce risks, such companies attract additional capital, which they invest in profitable assets, taking a margin for their services.

Trust management is best left to specialists in the banking or related financial sector. You should never put your money in the hands of private entrepreneurs or traders. Most often, these are insufficiently professional stock market participants who cannot earn money themselves and are trying to get investor funds.

Own business

Everything here is simple and clear, but at the same time complex and confusing. Starting your own business is one of the best (if not the best) way to invest money.

Opening your own business now is not an easy task. You need an original idea, capital, investors, and, preferably, also a team of like-minded people who will follow one idea.

It is important to know that statistics do not lie: only 20% of businessmen continue to work with their projects. But at the same time, it does not take into account the many companies that were sold to large giants like Google, Microsoft and Yandex for huge amounts of money. And therefore, it is important to understand that those businessmen who are left behind are not victims of the system. They are victims of their own mistakes, laziness and lack of hard work.

Buying currency

The conversation about currency speculation has not subsided since the times of the USSR. But then the currency was in short supply and therefore was in quite high demand. Now there is freedom in market relations, so the currency costs as much as it should. That is why investing in currency is now a rather controversial way of investing.

Investments in currency make sense when a global crisis begins, or an internal crisis in one of the countries. Then the quotes of one of the currencies drop sharply (in most cases deservedly), but literally after a year or a year and a half they are restored to their usual volumes. Some notable recent examples: Russian ruble, euro and pound sterling - due to various macroeconomic events (sanctions, Trump appointment and exit from the EU)

What currencies can you still invest in:

• currencies of Arab countries backed by gold (they are resistant to inflation and therefore will stably maintain their high exchange rate despite all global fluctuations);
• currencies of developing countries of the 3rd world (they are steadily increasing their exchange rate, are in average demand and can easily be exchanged for the currency of your country at any time without loss);
• cryptocurrency (with all the latest surges in cryptocurrency and hundreds of rumors around it, it is becoming an interesting object for investment and speculation. During the period from the beginning of June 2017 to the middle of it, Bitcoin broke through the price indicator of 3 thousand dollars several times, and so many once fell back to 2.5 thousand. Nevertheless, the entire 2017, starting in the spring, passed under the banner of virtual currencies)

In general, investing in foreign currency is suitable for those who like active investing - keeping track of their money, making important decisions not just once every few months, but every day. At the same time, smart investments in currency can make you a millionaire in one crisis.

Investing in developing your own applications

Own apps are a startup that up to 50% of all global entrepreneurs are passionate about. Most of them create their projects while at their main job, but then the latter becomes uninteresting to them.

If you have money to develop and promote the application (the costs will be approximately 20 to 80 in favor of advertising), then you can safely occupy this niche, which is just beginning to gain momentum. Developing your application can go in two ways: manually or with the help of hired freelancers. The first method will take a lot of time and effort not only to create an idea and bring it to the desired result, but also to develop it, while the second will require average financial costs.

Development of a simple mobile application can cost $500-1000. A large online project will cost more. In general, developing and promoting an application can cost 100-300 thousand rubles. Such investments pay off, depending on the project, in 3-6 months.

Where to invest more than 500 thousand rubles

Here we will talk about investments from 500 thousand to several million. If you have money more than 3-4 million, then you should know where to invest it in order to make a profit.

Real Estate Investments

For some reason, in our country, investments in real estate, despite their absolute unprofitability and illiquidity, still remain quite attractive. This is quite strange for two reasons: interest income from real estate exceeds the minimum (bank deposit) by 3-4% per annum; and the liquidity of investment objects is somewhere around zero. But despite this, most people who have funds of 1 million rubles or more still continue to spend their money on real estate.

The good thing about real estate is that it is stable. But it is stable in the worst sense of the word. Even gold is growing more dynamically than real estate prices in Russia. For the most part, in some areas, prices for apartments, houses and other similar property have gone negative over the past 2-5 years.

The situation in large cities is a little better - there real estate costs are consistently high, while refusing to rise. The exception will be the ever-expanding Moscow region, but even there it is difficult to guess which district will be in the black and which will be in the red.

In general, investing in Russian real estate is suitable only for those who want a stable average income while spending a lot of money. The payback on such investments will be from 5 to 10 years. For those who really want to earn a consistently high income through real estate, it is recommended to take a closer look at houses and apartments in Eastern and Western Europe. In them, real estate is becoming more expensive much faster than in our countries, due to the constant flow of emigrants from other, less developed countries. In Russia there are other, more interesting and profitable alternatives.

Purchasing an existing business

Buying a ready-made business is an excellent option for investing 1-3 million rubles. It became popular in Europe back in the late 90s. Then entrepreneurs who urgently needed a lot of money for a new project, or simply those who were tired of business, sold it to other, more interested parties.

In order to understand whether a project is really profitable, it is enough to be in a team (or work if it is a small business). Then you will be able to see whether there really are clients, whether the business really brings in the declared income, dive a little into the process and understand whether this business is worth buying at all.

Having bought a business, you will not need to think about how to launch it, how to fight competitors and set up production with minimal costs. They will already do this for you, explain how everything works, and all you have to do is control all business processes and make a profit. This option is more suitable for experienced entrepreneurs.

Franchise business

As opposed to buying a ready-made business, you can choose a franchise business. Franchise is the exclusive right to use a trademark. In essence, this is doing business under a well-known brand.

Franchise advantage:

• simplicity;
• convenience;
• stability;
• profit.

Working with global companies, you will be able to use their successful experience in order to fully develop in a new direction. And you will also have a full-fledged development strategy that takes into account absolutely everything, even down to the specifics of the population in your city. True, this awaits you only if you choose the right partner to start a business.

Most often, franchises are provided by companies in the fast food and restaurant business. The most prominent representative is McDonald's.

To open a franchise business, you will need from 300 thousand to several million rubles. This amount will include the cost of the franchise itself, the cost of starting a business, as well as monthly contributions from profits.

Investments in startups

Investing in startups is now one of the most profitable types of income in Europe and America. Since there is a strong investment culture there, most budding entrepreneurs put their ideas out there for everyone to see and thus seek out potential investors.

Investing in startups is risky, but also extremely rewarding. Many young people are in a hurry to realize their ideas and require large investments in their projects. But some of them do not yet know the basics of business and do not understand how to work correctly in order to get money. This is why investing in startups is associated with great risks.

A little advice. In Russia, there is no startup culture as such yet. Therefore, if you decide to invest your money, then you should choose a good foreign project. Of course, you don’t know many of the specifics of the business, and there are chances that the idea you invest in will fail, but nevertheless, it is much less risky than Russian startups.

But despite the fact that this method of earning money is quite risky, professional investors earn huge amounts of money. The best business angels (those who invest money in start-up projects) have earned millions of dollars by investing only a few tens of thousands.

Unique pieces of art

And finally, the most controversial, but certainly interesting way to invest money is unique pieces of art.

It is impossible to talk about this method of earning money for a long time - it is quite simple. You can buy a painting, figurine or any other work of a famous figure that you like for decent money, and then resell it to collectors for several times more.

Main investment object

Above we presented almost all working investment methods that can bring good profits. But you yourself should remain the main object of investment. Getting a good education, the necessary knowledge, developing your talents and gaining much-needed skills is what is really important.

Your first investment of time and money should go towards building yourself. If you are interested in investing as a way to earn money, then you need to devote a lot of time to obtain the necessary knowledge, as well as the skills that are so necessary for investors:

• stress resistance;
• "Living" mind;
• patience.

When working in any field, you have to spend some amount of effort learning new things about it, no matter how senior you are.

That is why every time you think about where to invest this or that amount of money, think about whether you can invest it in yourself.

Now onto more practical investing tips. They will help you invest your funds correctly, minimize risks and “fix” profits on time.

Tip 1: Separate your assets

The simplest rule, which is often forgotten by many investors, when they get a really profitable offer. Divide your investments on several fronts. This way you reduce the risk of one-time capital losses to a minimum.

Separating assets is beneficial because they begin to balance each other out. A striking example is investing in securities. Most investors have a ratio of risky securities to safe ones in their investment portfolios of approximately 30/70. When risky ones go to “+”, they bring tangible profits, about 2 times more than reliable ones. But when risky ones fall in price, reliable ones compensate for their drawdown, bringing the investment portfolio to zero or a slight minus. The same should apply to other types of investments.

For example, when buying a ready-made business, leave some money in the bank or invest it in income-generating securities. Then you will be able to at least partially compensate for losses if the business begins to make losses.

Tip 2. Balance risks and returns.

Analysis of risks and returns, as well as their comparison, is the main task of the investor. The main rule of the financial market is that risks and returns are directly proportional to each other. This means that when one goes up, so does the other.

But the market is not always “right.” Sometimes he can overestimate something, in the wake of a general positive attitude towards an idea, or, conversely, underestimate it. Then situations arise when, at first glance, a reliable and low-yielding instrument is actually very risky. A striking recent example is the situation with bank deposits and revocation of licenses of credit institutions.

That is why always try to analyze how risky an idea is and how much profit it can bring. Always compare these two important indicators with each other, and when you see that the risks exceed the income, then feel free to refuse further actions. But if the profit significantly exceeds the risks, it’s worth considering whether everything is really that simple.

Tip 3. Try to get as much information as possible about the area of ​​your investment.

Of course, you don't have to know absolutely everything about where you're investing your money. But you should have at least a superficial knowledge of the investment object. If you want to invest in gold, look at why it is so valuable. If you want to buy an apartment and rent it out, find out why the real estate market is considered reliable.

Tip 4. Know how to exit the game on time

One of the most valuable skills is to be able to stop on time. You must be able to give up unpromising ideas that cause losses or have completely outlived their usefulness, and you feel that they do not provide you with initial inspiration.

Tip 5. Make a profit.

And most importantly, money should make money. This means that you must make a profit from your financial investments. It’s not “promising ideas”, not “100% payback” and not “everything will work out” that should worry you. The main thing to look at is whether you will achieve profit or not. And are you satisfied with its size?

No matter how attractive the idea is, you should always think about money. This is an investment, not a charity.