Passive income - ways and sources of income, types and ideas of investments. Best Passive Income Idea

Passive income is a method of making money that does not require constant effort and work from you; you get your money even when you just sit in front of the TV and drink tea with sweets.

Surely you have noticed that most rich and successful people receive a considerable profit every month almost out of thin air. In fact, money doesn’t just “drip” into anyone’s bank account. It's all the result of hard work. Let's try to understand this issue together and learn how to use passive income with a minimum of effort.

What is passive income

The vast majority of people are accustomed to living by standards. The monotonous “home-work-home” lifestyle suits many people. Some men and women, wanting to earn additional income, take a second or third job. But with such an approach it is hardly possible to become a successful person. In order to live for your own pleasure and not think about whether you will make it to your salary, you need to find a source of passive income.

Passive or residual income- This is a type of income that does not require active human action to obtain. Simply put, a certain amount of money is deposited into your bank account every month for work previously done. That is, you invested money in a business, or successfully sold your creation and now throughout your life (or several years) you receive a reward.

But in fact, organizing and receiving such income is not easy. You will have to make a lot of effort. This may take years. But it's worth it. Still, what is the point of getting money this way?

In order to receive dividends or interest, you must have an asset. And it is precisely these types of assets that we will now talk about.

There are several types of passive income.

• Intellectual. Occurs when creating a certain intellectual product. It could be a book, a song, an invention, a video. Subsequently, the author (rentier) receives a royalty and a percentage of each copy sold, a patent.
• Investment (financial). To obtain this type of passive income, you need some capital, which is invested in real estate, securities, shares, etc. Such deposits are a source of interest and dividends.
• Marketing. By creating a marketing network, a personal website or your own brand, you can receive a certain amount of money every month.
• Legal. This is a type of income that many citizens are entitled to by law. Namely, pensions, social benefits, financial assistance. So, if you are part of a group of people who rely on social services. payments, then by filling out the appropriate documents at a government agency, you can regularly receive money without making any effort. We won’t talk about this species, because it’s already clear to everyone.

A person who lives on money received from passive income is called a rentier. He most often owns real estate that he rents out, financial assets, or intellectual property.

What are the differences between passive and active income

Modern man is accustomed to surviving thanks to active income. But this is due to the fact that not everyone knows and understands the difference between active and passive income. In order to start a new life, or leave everything as it is, let's find out how passive income differs from active income.

1. Active income is received by an employee, a specialist, an employee for some work done. This could be salary, advance, bonus, etc. But if a person stops working, then he is not paid any money. Passive income does not depend on whether you worked this month or not, and you receive payments in any case.
2. In order to receive dividends and interest, you must have initial capital and assets. To receive active income, you do not need to have any valuables.
3. Active income limits a person's actions. For this type of income, you can work one or two jobs. While passive income does not limit the actions of the owner. Those. Financial capital can be divided into several parts and invested in different projects.
4. The risk of being left without a livelihood is higher when receiving active income. So, when you quit your job, you will stop receiving any payments, i.e. losses will be 100%. Having passive income and investing assets in several projects at once, you will never be left without money. If one project fails, you receive income from the rest.
5. Active income is preferred by people who do not understand financial issues. Therefore, they most often never achieve financial stability. Holders of passive income live for their own pleasure and do not need anything thanks to financial independence and prosperity.

Sources of Passive Income

So, we have already found out what passive income is, what types it is divided into and how it differs from active income. It's time to find out how and thanks to what you can create a source of passive income.

Let's look together at the most popular and accessible ways to get “easy” money.

Renting out real estate

One of the most popular and widespread ways to generate passive income. To obtain rental income, you must at least have real estate, or a considerable amount of capital, for which you can buy residential or non-residential space.

After acquiring square meters, you will need to work hard to make repairs and purchase the necessary furniture. Real estate can be either residential or commercial. In the first, people live and relax (at home, apartments), and in the second, they work (offices, industrial premises).

Having this type of income, you receive a certain amount every month, but periodically you will have to make repairs and monitor the condition of the premises. This can be avoided if you use the services of specialized companies. They will take on most of your responsibilities, and in return they will require about 10% of the premises' rent.

Renting out special machinery and equipment

Renting special equipment, just like renting real estate, is a profitable business. Very often, this type of income brings more profit than renting out real estate. This is because special equipment can quickly pay for itself. So, for example, if you have any expensive construction tool, then regularly renting it out will cover the cost in a few months.

You can rent out any movable property whose value is higher than the average salary in your city. This can be a wide variety of equipment (trade, production, industrial), machinery, inventory.

For example, one acquaintance of his plant periodically rents a car with a tower (boom) to repair power supply systems, lifting electricians to the required height to the cables. They give away more than 5,000 rubles per day. Calculate the profits yourself.

Owning such equipment, you can live comfortably for more than one year.

Renting advertising space

Everyone knows that advertising is the engine of trade. It is thanks to bright advertising campaigns that trading companies have become successful. Our people are designed in such a way that they buy and use exactly those products and services that everyone knows about. Numerous advertising companies take advantage of this. They try to place advertisements in all sorts of places. These could be cars, public transport, billboards and even residential buildings. So why not make money from it?

Renting advertising space is an excellent passive income option for lazy people. This is because it requires minimal effort from you. This is to find an organization and offer your services for advertising on your car, the facade of a house, a balcony, etc. After which an agreement is concluded, you place the specified type of advertising (posters, stickers, etc.) and receive the agreed amount. The only downside may be the limited duration of your agreement. But you can always find an advertising company that wants to cooperate with you.

Bank deposits

One of the least labor-intensive ways to generate passive income is bank deposits or deposits. They require minimal effort. You just have to find a reliable bank with the highest interest rate. The rest is done by employees of the financial institution. The only condition is the availability of a certain capital that should be invested. The larger the amount, the higher the interest amount.

If you have several million at your disposal, then having made a profitable investment, you don’t have to work at all. But if the amount is not large, then the income will be minimal. Very often, people with little income save a certain amount every month for several years. As a result, their children have a good passive income.

But this type of income has a significant disadvantage. This is inflation. It is because of this that investors lose up to 10% of their income, because... Every year money depreciates. You need to remember this before concluding a long-term contract.

Intellectual or creative product

This type of income will appeal to talented and gifted people. They are the ones who can create some kind of intellectual or creative product. It could be a book, a song, a poem, or some kind of invention.

After writing the book, you will need to contact the publishing house, where they will accept the manuscript (if it is really worthwhile). After the publication of your masterpiece, a royalty will be paid and a certain percentage of each copy of the book sold will be deducted monthly. This all sounds very beautiful and simple, but in fact this type of income has very tough competition. Therefore, only brilliant authors who are loved by millions of readers receive maximum cash payments.

If you create any technology, you will have to patent it. If the invention is useful and its mass production begins, then your children can also receive passive income.

Own business

If you feel great potential as a leader, then you can try. In order for it to generate passive income, you need to work actively for several years.

First you need to understand what exactly you want to do. This should be an area of ​​activity that you know well. Let's give a simple example: if a man is well versed in cars and loves transport, then opening his own service station would be a great idea.

When the idea is “ripe”, get it. Then start your business.

When you realize that your business has become successful and brings in a stable income, you can think about delegating it (transferring certain powers to another person) and receiving passive income.

In order to retire and “skim the cream” in the form of cash, you need to remember that the company you have built must work like a well-oiled machine, and the person to whom you entrust the management of the company will not let you down and will justify the trust placed in you.

Based on the experience of many companies, we would not recommend completely withdrawing from business. This leads to bankruptcy in 90% of cases.

Selling franchises and receiving royalties

Owners of large well-known companies can count on such a source of passive income. It does not require any capital, but to obtain it you will have to work fruitfully for more than one year. Let's take a closer look at franchises and royalties.

Simply put, a franchise is the rental of a brand, trademark, method of company management, slogan, etc. some little-known organization. Thanks to this, they produce and sell their products under the logo of a well-known brand. As a result, the turnover and income of the start-up company quickly increases.

Once the franchise is sold, royalties (an agreed upon amount of money) are paid regularly. It can also be a certain percentage of the income of the company that bought the franchise.

At first glance, everything seems easy and simple, but in order to receive passive income, you need to build a large business or a brand that will be well-known.

Investing in a third party business

People with substantial capital and assets can count on passive income by investing in third-party businesses. Moreover, the larger the amount you invest, the higher the interest you will receive.

In order to invest money in a third-party business, you need to thoroughly study the business plan, calculate all possible risks, and regularly monitor the company’s activities. This is the only way you will protect your investments and not be deceived.

Investing in any business is a very risky undertaking. In order not to lose all your money in the event of bankruptcy, do not rush to invest all your savings in one project. It is better to invest in several organizations at the same time. Thanks to this, if one project fails, others will bring passive income.

Creating a mobile application

In the modern age of advanced technology, most people have a mobile device that supports various applications. Mobile apps make life easier for millions. Everyone downloads an unlimited number of them and recommends them to others. Therefore, anyone can create their own application that will generate decent passive income.

• First, you need to have an interesting idea. She is the one who can help you get rich. Due to the great competition, it is sometimes difficult to surprise users, but if you succeed, you are guaranteed success.
• Secondly, create an application. To do this, you need to contact specialists who will be happy to help you for a certain fee.
• Thirdly, place the finished product on the platforms. To begin with, do not overprice the application. Bet the minimum amount. And when thousands of people love it, gradually raise the price. Or make it free, but with paid add-ons or advertising.

Creating a mobile application is a fairly simple source of passive income. In most cases, it does not require large investments, and the income received can pleasantly surprise you for several years.

Creating a channel on YouTube

Probably every PC user has watched videos on YouTube at least once. This is really a very convenient site where you can find any information you are interested in (master classes, training videos, funny videos, etc.). Millions use this service every day. So why not make money from it?

To earn passive income using YouTube, you just need to create your own channel and post interesting, and most importantly, useful videos. It can be varied, from videos of funny animal behavior to a master class on repairing a washing machine. It all depends on what you can do.

Very often, a start-up business lacks recommendations that will ensure regular sales. If you have a wide circle of acquaintances and close cooperation with a large number of companies, then passive income from recommendations is created just for you.

So, while communicating, you will find out that someone needs the services of an electrician or designer. You can recommend this or that company and receive a monetary reward or a certain percentage for this. The main thing is that this organization includes payments for recommendations.

Maybe the amounts won’t be exorbitant, but it’s better than nothing. The lack of start-up capital is the main advantage of this method of generating passive income.

Passive income on the Internet - your website or blog

I started working on blogging (article) sites a long time ago, but I didn’t turn them into passive income. I developed them for sale or temporary income from advertising and, as a rule, they did not stay with me for more than 1 year. But now that I already have several types of main activities, why not slowly start acquiring assets with passive income. So I created a website several years ago, which now brings in more than 100,000 rubles. only on contextual advertising without my participation. And what’s more, I didn’t stop there and created several more sites that are now generating income.

What is good about passive income from websites?

The fact that they will read articles constantly and search for information constantly. Having written an interesting article once, it will bring you a lot of traffic from search engines and will bring you readers constantly. And that means income. Blog development is about creating interesting content (articles, for example) and attracting readers. When there are readers, you place contextual advertising and earn money from clicks on it. It's very profitable. Having boosted your blog a little, you will already be making a profit and with each increase in readers your profit will grow. And then you can do nothing and only publish articles occasionally, and the money will still trickle in and that’s a plus. Or you can assign an editor to work on your site or several, as we do.

If you are planning to develop this area, then read the section about. There you will find useful information, and if it is not enough, then ask questions, we will add more.

Investments in the purchase of information sites

If you do not want to create a source of passive income in the form of a website, as I described above, then you can buy websites with income. But to do this, you must at least understand the topic and go through the process of creating your own websites.

Affiliate programs as passive income

I already wrote an article about that. And this source of income can be made passive. If you do a good job in this direction and through your affiliate links many people are registered in those services or stores on whose affiliate program you earned money, then all further actions of these people will also be paid to you.

I still get money from many of the services I referred people to several years ago. This income is small, but roughly comparable to renting out an apartment in Omsk.

We hope that everyone who reads this article has already understood the importance of passive income and the main differences from active income. Now let's try to figure out together how to achieve this coveted financial independence.

1. Start with yourself and educate yourself. In order to make assets, capital, and business work productively, you first need to study the theoretical part. Start reading books by famous financial experts (e.g. Robert Kiyosaki, Bodo Schaeffer, Robert Allen, etc.). Thanks to this, you will better understand all the nuances and details of financial activities.
2. In your free time from your main job, start looking for a source of passive income. Maybe you will invent something new, patent your creation and receive monetary rewards for the rest of your life, or maybe you have another hidden talent that will help you achieve financial freedom. To make your work enjoyable, try to turn your hobby into a source of income. For example, an amateur photographer can sell his work on specialized platforms on the Internet, and a programmer will create an Internet application that will be downloaded by millions of people.
3. If you do find a way of passive income that suits you, don’t stop there. Try to develop and discover new methods of earning money. For example, having invested money profitably in the bank, you can also upload videos on YouTube, review your existing construction equipment and rent it out.

Why do the poor stay poor and the rich stay rich?

The subconscious of most people of our time contains information that in order to feed their family and provide for themselves, they need to learn some kind of profession, and then work all their lives in a factory, mine, office, etc. At the same time, take a full rest only once a year on vacation. That is why the average person in our country follows the plan.

At the same time, more successful and financially literate people have long realized that a decent income can be brought not by active, but by passive income. Naturally, they understand that in order to regularly receive money with a minimum of effort, they need to work actively for a certain time. This period may be several years, but such a person is aware that he is working to create passive income that will ensure a comfortable old age.

Poor people work only to satisfy their needs. At the same time, they don’t even think about creating some kind of capital that can bring in money. In the best case, a person gets another or additional job.

The difference between the poor and the rich is how they spend their free time. A wealthy person gets richer every minute due to passive income that profitable investments bring. Low-income people drink beer, watch TV and complain about life to the people around them.

One famous businessman and financial analyst said that a person's success is not measured by the size of his bank account, but by the amount of time he can be away from work. This is true. After all, you can deny yourself everything all your life, limit your desires and needs while collecting savings in a three-liter jar. But such a person can hardly be called happy, successful and enterprising.

How to gain financial freedom and independence

In order to live for your pleasure, you need to make money work for you. This is possible if you work hard for a while. During the active period, we do not encourage you to work 24 hours a day. It is enough in your free time to look for methods of alternative income, which in the future will bring passive income. The more such sources there are, the less work you will have to do.

It may be quite difficult at first, but remember that thousands of people like you do not live on starvation wages, subsisting on bread and water. They do not know the feeling of hunger and need. And all because they understood in time exactly how to make money.

Conclusion

Now you know everything about passive income! You may also find this article useful. Don’t be afraid to experiment, because everyone has one life. And it depends only on you and me how we will live it. It's never too late to start changing your life. This can be done by both a teenager and a pensioner. The main thing is to believe in yourself and not give up, and then you will definitely succeed!

The choice is yours! And I'm waiting for comments under the article.

1. Keep your money in the bank

If you expect to save or live on the interest from your deposit, then open a bank deposit in a reliable currency. Most banks are included in the state deposit insurance system up to 1.4 million rubles, so choose a bank with the maximum interest rate. If you want to deposit more than 1.4 million, then split the deposits into several. For example, if you save only $100 every month, then by retirement you will have a passive income of more than $1000 (compare with a Russian pension - 3-4 times less), and after death you will leave an inheritance to your grandchildren - more than $160,000. Here we are They assumed that the difference between the interest on the deposit and inflation is 6% (a very real indicator), and you started saving at the age of 23, taking into account the compound interest.

2. Store “pocket money” on a bank card with interest

To receive income from the amount you use during the month, store the amount of current expenses for the month on a bank card, which accrues interest on the balance. For example, Tinkoff Bank gives 14% on the card balance in rubles up to 500 thousand rubles. Let’s say that during the month your expenses are about 100 thousand rubles, then over the year you will receive an additional 10 thousand rubles. At the same time, your money on the card is not frozen, unlike a deposit, and you can use it at any time.

3. Participation in affiliate programs

If you are in a business environment, for example, conducting trainings and master classes, then many affiliate programs that companies offer are suitable for you. For example, if you attract 10 clients to the trading platform, you will receive passive income of 15 thousand rubles. every month. At the same time, you will do a good job both for the company of which you are a partner, and for those people to whom you recommend the product, because it will really help them in business.

4. Invest in real estate

This is perhaps one of the easiest ways to invest. According to statistics, about 30% of housing in Moscow is purchased for investment. In addition to the fact that the price of real estate is constantly growing, you can live in an apartment yourself and save tens of thousands of rubles on rent. To invest wisely in real estate, make friends with a smart agent - almost everyone has a friend who works in real estate. He will suggest the right solution. The main thing is not to buy real estate at a time when its price is at its peak.

5. Help your friends create a business for a small share

If you are engaged in intellectual activity, then you are most likely surrounded by intelligent and active people, many of whom want to start their own business. Help them with this! For a small share of the business, for example, 1-5%, depending on the volume and benefits of your work. Usually, novice entrepreneurs willingly agree to such conditions, because they will need help not only intellectually or with advice, but also emotional support. Particularly important is support not just from a third party, but from someone who is vitally interested in the success of the new enterprise.

6. Invest in stocks

Investing in stocks is one of the most difficult types of creating passive income. This requires you to be deeply immersed in the stock market and have an idea of ​​where the industry as a whole is heading. Well, if you receive such knowledge as a “by-product” from your main activity, then investing in securities can create you a good passive income. If you spent $1,000 on Apple stock 12-14 years ago, it would now be worth about $100,000, plus you'd receive about $1,600 a year in dividends.

7. Start your own business

This, of course, is already the highest level of creating passive income. According to statistics, only a few percent of people attempt to create their own business, and 90% of companies close in their first year of existence. Entrepreneurship is a special type of activity, very complex, which requires full dedication. But, as you know, the risk of entrepreneurship is overestimated: it is much worse to wake up at 60 and realize that for the remaining decades you will live on a pension from the state, which will only be enough for medicine.

8. Make direct investments in companies
Many serial entrepreneurs, after their third or fifth successful business, realize that they have reached their limit as managers and they are no longer very interested in engaging in the operational management of companies. Then they begin to engage in direct investments in new companies, receiving a share in them for this. For example, Peter Thiel, the founder of PayPal, became the first investor in the then young startup Facebook - he invested $500,000 for 10% of the company. Now he owns 3% of the company, which has grown in value 12,000 times and is worth $6 billion. Peter Thiel (like other successful entrepreneurs) makes many of his next investments through the venture funds he created, in which hired managers help select promising projects and carry out their assessment.

9. Highly profitable investment.

Includes investing money at interest with a high level of return. Basically, this is the transfer of funds into trust management on the Forex market and the stock exchange, investing in PAMM accounts.

10. Don't be afraid to take risks. The higher the risk, the higher the profit.

For example, you can increase your investments 10 times in just a few days or even a few hours, doing this in your free time for an hour a day, by correctly guessing where the quotes of your chosen stock of a well-known company, gold, dollar or any other currency will go. This “exchange betting” is called making money on binary options. A correct forecast can double your investment in just 1 minute. For more details, see the example on the binary options trading platform. You can try this type of investment (or earnings) for free on a demo account.

Conclusion

The first ways to create passive income are the simplest and most accessible to everyone. Start with them. As you master simple tools, move on to more complex ones.

Many people dream of passive income and ask: “How to create passive income from scratch? Where can I find proven passive income ideas? But not many people know that today this type of income has become available to everyone. And largely thanks to His Majesty the Internet! In this article I will expand on the concept of “passive income” (residual income), talk about the sources of this type of income and describe several ideas for creating it that I use myself.

If you have already thought about the possibility of creating passive income and are striving for the life that passive income provides, then this article will be useful for you!

is a type of income characterized by stable cash inflows, regardless of daily activities. Most likely, you have already encountered (or heard of) people who live off passive income. These people usually "don't go to work." Such people are called rentiers.

A rentier is a person who lives off rent - income received from the capital that he placed in business, deposits, income-generating real estate, securities, as well as income from copyrights.

For example, you are an expert in a certain field. This means you can “sell” your knowledge by recording a training course (audio or video, it doesn’t matter). You have created a high-quality course once, and it will generate income for you whenever someone buys it (this can last for more than one year).

We have defined the concept of passive income. Now answer this question for yourself:

Why do you need passive income?

Many are attracted by luxurious life - luxurious beaches and houses, cars and yachts. But some people take this life calmly and are happy with what they have. I am one of these people because I understand that a luxurious life is just the tip of the iceberg.

I think the main advantage of building passive income is that you will be able to free up your precious time for your favorite activity, which you cannot do now because you are “working at work.” I know people who would like to devote themselves to serving other people - the homeless, children in orphanages.

With the help of passive income, you can start making your dreams come true.

2. “Money goes to money”?

The expression “money leads to money” quite often justifies itself. Today it so happens that people with average incomes spend all the money they earn without a trace, purchase goods on credit and borrow from friends and acquaintances until their salary or advance payment.

Why does it happen that people 30–40 years old cannot earn a good living? Now I will answer this question.

IMPORTANT! The point is: people don't know how to focus on creating assets. capable of solving material problems. It turns out that people are driving themselves into financial slavery, which is flourishing these days.

The educational cartoon, which you will find at the end of the article, presents the basics of personal finance in simple language and classifies people depending on their ability to manage them (which category do you belong to?):

1. Zombies (financial). Their expenses exceed their income and their assets are negative. Those. they live from paycheck to paycheck and are always in debt. Almost all their money goes to pay off their debts.

2. Kamikaze (financial). Their p A collections are approximately equal to their income, assets are negative. They often look wealthy: they have an apartment, a car... However, this is all on credit. They walk on a razor's edge, and in case of unforeseen circumstances they easily fall into the ranks of financial zombies!

3. Maniacs (financial). Their income is equal to or slightly higher than their expenses, and their assets are zero. They usually have no debts, but they also have no savings. They are at the mercy of the consumerism syndrome: they never have extra money, because they will always find something to spend it on right away.

4. Turtles (financial). Their income exceeds their expenses and their assets are positive. They have no or minimal debts, they have savings. But like turtles, they accumulate slowly, because they prefer to keep their savings under the mattress, and the most advanced turtles keep their savings in a bank.

5. Sages (financial). Their income exceeds their expenses, their assets are positive. They differ from turtles in the level of investment. Investments of net assets generate passive income for them.

Do you recognize yourself from the description? For example, I see that since I started thinking about personal finance and studying books on financial literacy, I gradually began to move towards the 5th category.

In order to learn how to create assets, I highly recommend that you read books on financial literacy by the famous businessman and investor Robert Kiyosaki. And be sure to give these books to your children to read. Start with books Rich dad, poor dad And Cash Flow Quadrant. If you prefer books in “paper” form, you can purchase them, for example, on Ozone (they have free delivery) - Rich dad, poor dad , Cash flow quadrant.

I like Kiyosaki’s simple but very effective advice for creating your own asset. As soon as you receive some income, you begin to distribute it to others - pay for an apartment, for school, for a hairdresser, for a concierge at the entrance. You give your money to everyone, but not to yourself! This is a fatal mistake for everyone who has not yet built passive income.

You must first of all “give” money to yourself, and therefore to everyone else! In this way, you will begin to create your asset and then you will be able to increase it by investing in your business or in some other way (which we will discuss below).

Here's a simple exercise. You can easily become a millionaire if you save just $1 a day! Don't believe me. Then open any deposit calculator on the Internet, for example this one. And you will see that if you give up one cup of coffee a day for 30 years (figuratively speaking), you can become a “hryvnia” or “ruble” millionaire.

I can’t believe it?! Look at the screenshot: a deposit at 12% with monthly top-ups of only $30 ($1 per day) with monthly capitalization will turn into 2.7 million hryvnia or 7 million rubles ($108,000). And it's only $1 a day.

TIP #2: UNDERSTAND that someone who works all day has no time to make money!

John Rockefeller said: “He who works all day has no time to earn money!” Think about his words.

Indeed, working in an enterprise, production, office, or no matter where, people earn money for “current” expenses. And you can become a millionaire only in your free time from your main job.

It follows that TIME IS OUR MAIN WEALTH. Remember: “Time is money” - this is what wealthy people take advantage of.

Let's consider the day of an ordinary person: in the morning he goes to work, in the afternoon he works all day, in the evening he goes home. On the way home, perhaps he goes to shops, cafes, and at home - dinner and TV. Naturally, such monotony does not set the stage for progress in the future, especially if you take into account that many make money by doing something they don’t really like to do.

Naturally, the creation of passive income is preceded by active work for a certain time (this can be several months or several years). But then you can leave your “unloved job” and enjoy life.

TIP #3. GAIN knowledge in the field of personal finance.

The famous financial literacy specialist Robert Kiyosaki, whom I mentioned above, DEFINED WEALTH BY THE LENGTH OF TIME during which, while continuing to live comfortably, a person can not work.

"Cash flow"- this is the name of the world-famous game by Robert Kiyosaki, which can help you figure out how to “turn time into money” by creating a constant passive income.

There are several versions of the Cash Flow game - 101, 202, 303 and 404. Each of them teaches investing skills, building your own business and competent handling of personal finances. Don't think this is just child's play. The game “Cashflow” will be interesting and challenging for all adults - not only for an office worker, but also for the owner of his own large business.

You can buy the game in a bookstore, but it will cost 30 or even 50% more than in an online store. You can order the game on the trusted website (online store) ozon.ru with free delivery. Here is the link Board game Cash Flow 101 (2016 edition).

If you want to learn more about the Cash Flow game, I recommend this interesting and useful with a detailed description of it.

IMPORTANT! I think you already understand that to build passive income, the first thing you need to do is learn financial literacy. Neither our parents, nor schools, nor universities give us this knowledge. Even if you work as an accountant in a large enterprise or a financial analyst in a bank, this does not always mean that you have knowledge in the field of personal finance.

3. Types and sources of passive income

We answered the question, what is passive income? I think it’s time to satisfy your curiosity by revealing the “secrets” of ways to create and sources of passive income. We will talk about this later. You just need to choose the method that suits you.

Many are not happy with the fact that they will have to wait (months, years). But we need to get out of this psychological trap. Think about it, working age lasts 25–40 years, ending with retirement age and receiving a pension, which can hardly be called “deserved and worthy.”

It turns out that we can work for several decades doing something that you don’t really like, but ensuring financial independence for ourselves is “beyond our strength.” But you will have the opportunity to retire much earlier than the period established by the state (not at 55 or 60 years old, but at 35 - 45).

Are you sure you want to create passive income so you can have more free time? Then start TODAY to take decisive action in this direction. Make up your mind and take action!

So, more about the types and methods of creating passive income

There are 4 types of passive income:

• investment (financial),
• intellectual,
• marketing,
• legal (required by law).

Agree, not very much. The types of passive income in Russia are the same as in other countries in the world. Now let’s figure out what ways you can provide passive income.

1st type. Investment (financial) passive income

Created in case of investment (investment) of funds in certain financial instruments and items. From the investment we receive a certain amount in the form of interest or profit.

Sources of profit can be:

• real estate;
• Bank deposit;
• securities;
• our business (if we buy it);
• equipment (if you rent it out).

2nd type. Intellectual passive income

Sources of income can be:

• Royalty;
• Patent for invention (technology)

If you don’t like the idea of ​​creating an information product yourself, you can earn income from promoting other people’s information products through affiliate programs. I myself earn income from this online business. I consider Evgeniy Vergus to be the main expert on making money on affiliate programs. You can immediately start earning money while studying this course. "PARTNER SALES WORKSHOP". You can easily recoup the cost of the course by studying the course and at the same time earning money by advertising affiliate information products. *

3rd type. Marketing Passive Income

This type of income is possible if you create a marketing system(s). For example, your website on the Internet or a personal brand for rent. Either one or several options are possible.

Personal branding involves using your name for commercial purposes.

For example, screen and sports stars are often involved in filming advertisements, thus becoming the “face” of a certain brand or company. They receive decent fees for using their name.

In this case, sources of passive income can be:

• own developed network marketing structure;
• commercial structures using your personal brand;
• your website;
• a business that generates profit from the operation of a marketing system (for example, an information business).

All these sources of passive income will provide you with passive income on the Internet without investment.

4th type. Legal passive income

I think there is no particular need to dwell on this view. I will only note that these are payments due to you “according to the Law.” By the way, there are people who rely on this type of passive income. For example, civilians work under contract in military units for low pay. But then they retire earlier and are guaranteed to receive a “military” pension.

4. Ideas for creating passive income

You have already learned about the types and sources of passive income. It's time to get acquainted with the options for creating it.

I propose to consider the most common and relevant ideas. Perhaps one of them will suit you to ensure a regular cash flow.

1. Information site or blog

If you know how or want to learn how to create and launch websites, and know the basic principles of marketing, then you can organize passive income, practically from scratch. It’s not for nothing that organizing passive income using the Internet is becoming increasingly popular.

For example, the blog you are currently on also generates passive income.

In addition to the above skills, you will need free time, as well as a desire to learn. You you can make your own website even if you do not have any special technical skills. Especially for those who decide to make money with their blog or information site, I have prepared a series of articles with step-by-step instructions, videos and screenshots. In less than a week you will have your website ready for content. Here is the link .

To organize passive income using your website, you will, of course, need some time (from six months to two years). This time will be needed to regularly work on your project (several hours a day) in order to improve and optimize it.

Do not be mistaken that by creating a website, you have done everything necessary to receive passive income, and now you can “sit back.” No! To turn a site into a full-fledged “money machine” you will have to work on it for 1-2 years. But you will start receiving your first money within a few months after the start of the project.

After you turn your site into a “money machine”, you can sell it (ready-made business!). Moreover, the proceeds from the sale can exceed the amount of monthly passive income by 20 times.

For example, my colleague bought a 3-year-old working website for 1,500,000 rubles.

The arithmetic is simple: If your website brings in 10 thousand rubles a month, then you can sell it for 200 thousand rubles. and more expensive.

Therefore, you can make money by creating income-generating websites and organize your business in this way.

Ways to make money on your website:

• placement of contextual advertising;
• placement of paid advertising articles;
• sale of advertising space;
• placement of affiliate links;
• selling your own training courses.

2. Intelligent product

Having a certain talent, it is possible to create your own intellectual product (book, technology, educational video, etc.). This product can become a source of your passive income if you start replicating it or renting it out.

Let's consider an example of passive income, when an intellectual product (a book) made the author a millionaire. Today, it is perhaps difficult to find a person who does not know the name JK Rowling. But it was the books about Harry Potter that brought her a multimillion-dollar fortune.

An invention, a fundamentally new industrial design or technology can also become a source of passive income. They will be your intangible asset.

An intangible asset is a product of intellectual labor that, without having a material form, is capable of generating income. For example, a patent for an invention, trademark or brand.

3. Property rental

Of course, the most common way is to rent out real estate. But let's look at other passive income options. For example, construction, commercial or industrial equipment and other expensive things. Moreover, passive income from real estate is often lower than from equipment.

For example, by purchasing construction equipment and tools, you can rent them out, thus organizing your business. If a drill or hammer drill costs, for example, 20 thousand rubles, then you can rent out the tool for 100 – 500 rubles per day. The tool will pay for itself in a fairly short period of time (less than a month).

4. Securities, bank PAMM accounts, mutual funds

One of the common ways to create passive income is by investing in financial instruments.

Investing, in some ways, can be thought of as a business. But to become a professional investor, you must first study this complex topic. You can learn more about financial instruments on this useful website Club of private investors “Where to invest money - ways to invest.”

Of course, investments have advantages (higher income compared to a bank deposit), but they also have disadvantages, namely: high risks.

PAMM accounts, mutual funds and securities are not able to provide stable income (excluding bonds). There is a high risk of losses. Take this into account!

5. Network Marketing

Network marketing is considered one of the most affordable ways to create passive income. Perhaps because the first investment usually does not exceed $100.

The condition under which you can organize this kind of passive income is communication skills. Because in this case you will need to be able to communicate with people, win them over, ensuring friendly communication. The main thing is that you do not fall into a financial pyramid!

To protect yourself from this risk, check out this helpful article “What is a financial pyramid?” .

6. Own business

Organizing an entrepreneurial project is perhaps the best way to create passive income.

Internet business is suitable for people with any financial situation at the moment. Even if you do not have large enough finances, the network can provide opportunities to start with virtually no investment. Thus, your income will gradually turn from “active” to “passive”.

The most difficult step towards starting your own business is simply making a final and irrevocable decision. It's best to start with a simple business without investment. With organization ideas business without investment for beginners entrepreneurs read . The information in this article will help you organize a business and create passive income from scratch.

Let me give you my example of passive income. I built my own vending business - I bought several payment terminals (invested my own capital), and installed terminals in supermarkets under a lease agreement. The terminals are collected by a third-party organization under a maintenance agreement. I receive income that can be called passive, although I participate in it (I carry out settlements with my counterparties). This business takes very little time - 1-2 days a month.

I highly recommend investing in a vending business, where machines work for you and you receive income. The potential of this business, based on statistics, is huge!

5. Recommendations and tips for acquiring financial independence

You have already become acquainted with the concept of “passive income” and learned about its types and methods of organization, about the ideas of passive income. You know enough to take action. As soon as you make up your mind and begin to act, you will have the opportunity to gain financial independence, leave your “unloved” job, start traveling and do what you have dreamed of all your life, for example, charity.

1) Take the time to build assets.

Don't limit yourself to just income from your day job. Think about what you can do so that, having done this once, you will receive money many times over - replicate your efforts!

I hope that you are not striving for a “beggarly” existence, which, unfortunately, a pension can provide.

2) Strive to organize several sources of passive income.

In this case, you will protect yourself from possible risks: the loss of one source may be compensated by another. And at some point it will support you.

How important this is is described very well in his book.

3) Increase financial literacy

Self-education is the first thing you should do! Invest in yourself! I recommend carefully reading books considered fundamental: Robert Kiyosaki "Rich dad, poor dad" and Bodo Schaeffer "Money or the ABC of Money", - they will help you understand more deeply the principle of the functioning of money and the principle of creating passive income.

Please note that there are no special “secrets”. For success you only need desire, time and certain knowledge.

Watch this educational cartoon about what passive income is so that all the puzzles fit into a clear picture and you have the confidence to start moving towards creating passive income. You should start by educating yourself on personal finance. It is also extremely important to pass on this knowledge to your children!

I wish everyone confidence and determination!

I managed to create several sources of passive income, so you can too!

Write in the comments which category of people you belong to from a financial point of view and did you manage to move to a category closer to 5th?

Subscribe and receive the most interesting blog materials - subscribe below. When you subscribe, you will receive the first biography of Elon Musk, one of the leaders in financial literacy today, for free.

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

He who owns the information owns the world!

In relation to our topic, it can be paraphrased:

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

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

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

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

Benefits of a bank deposit!

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

How much can you earn?

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

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

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

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

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

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

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

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

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

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

How much can you earn from real estate?

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

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

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

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

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

How to make passive income in real estate correctly?

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

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

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


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

Method number 3. Creating an intellectual product!

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

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

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

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

How much will you earn on securities?

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

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

How to buy stocks and bonds?

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

Just the truth: can you make money on securities?

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

Mutual investment funds.

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

Method: 5. Passive income from your own business!

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

How to create a business empire through franchising?

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

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

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

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

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

How to become a venture investor?

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

Passive income. How it works?

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

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

3 types of sources of residual income!

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

What's stopping you from creating passive income?

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

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

What passive income options did I choose?

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

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

Hello, dear readers and subscribers of my blog about finance. Today we will talk about what types of passive income actually work in Russia, consider the original ones, and deal with the question: in the conditions of the rapidly changing Russian market. Based on experience, I will say that there are a great many options for additional income. Read about what passive income is in a separate thematic article. My goal is to help you make a choice in favor of the right one just for you way to earn passive income. I won't beat around the bush and get straight to the point.

Ways to earn passive income

First and the simplest option for solving the issue of passive income is receiving government payments. If you consider yourself to be one of the socially disoriented citizens and do not have enough means of subsistence, contact a specialized regional service and write a corresponding statement. The state provides financial assistance to disabled people, large families, and pensioners under the heading of one-time or permanent compensation payments. Why not? Many people have no idea about the possibility of receiving compensation payments. Meanwhile, a person has the right to count on receiving preferential conditions when buying an apartment, pension or disability payments.

Second a way of earning money that brings in good extra money in addition to the salary of an ordinary clerk - bank deposit. Storing funds in a depository account is the safest way to increase existing savings, which does not require any knowledge, experience, or skills from the owner. In one of the previous articles, I already talked about the myriad of banks that now operate on the territory of the Russian Federation and each puts forward interesting offers to the consumer.

Advantages of a depository deposit:

• simple and clear procedure for opening an account;
• attractive conditions in the form of interest with capitalization;
• receiving a guaranteed amount of money upon expiration.

The question arises: how much can you really earn on a deposit? As strange and surprising as it may seem, it is practically not at all. The deposit is attractive because saves rather than multiplies funds deposited in a bank account. Economists understand perfectly what I mean. Inflation- this is the other side of the deposit, which is a good, but far from the best type of passive income. A deposit, as a passive income for a retired person, is a soft cushion and a source of money for unexpected expenses, but not for a businessman who wants to climb to the top step of the life pyramid and stop depending on money.

Rent

Continuing to describe the types and sources of income, I’ll move on to the favorite option of my realtor friends - passive income from real estate rental. By renting out even the simplest one-room apartment, my former classmates received a fairly decent increase in their salaries. Not everyone knows that you can rent out not only housing, but also everything that has material value: a car, construction, industrial equipment, retail space and even things. In practice, investing in residential and commercial real estate in Russia brings less income than purchasing and renting industrial equipment.

In our country, there are types of activities in which entrepreneurs buy construction equipment and make money on it through rental. You will be surprised, but renting a professional construction hammer drill, which costs 30,000 rubles, costs tenants 1000 rubles per day.
A simple mathematical calculation will help you understand how much money you can get from equipment simply by renting it out. The advantage of this area of ​​activity is quick payback, as a rule, not exceeding thirty calendar days. It is not difficult to make money by renting out real estate, but this type of business requires a high level of commitment in time and moral terms from the applicant.

Currency market

PAMM accounts- this is trading on the foreign exchange market performed by a trader; the investor invests his money in his trading account and receives a percentage of the profit on average in a 50/50 ratio: 50% profit for the investor, 50% trader. If a drawdown occurs, the loss will be distributed in the same ratio.

Advantages of PAMMs– average yield 40%/year, 4 times more than a bank deposit. Minuses: with such profitability there may be losses of an average of 15%/year. WITH mutual funds, of which, the situation is approximately the same, only the ratios are 2 times smaller: 25% - income and 10% - the possibility of loss. No one will give you exact guaranteed figures on income and loss indicators. You need to understand the topic in order to choose worthy accounts or funds and not burn out in this matter.

As an investor, it is difficult for me to classify this type of activity as passive income. By investing your money in this instrument, you receive speculative income, while at the same time exposing yourself to risk. A PAMM account provides for the transfer of money to a qualified specialist for management, which gives a good profit, but with a fairly high level of risk.

Along with PAMM accounts, there are other forms of passive income related to the trust management of money: less risky, averagely profitable, more reliable. If you are not attracted to this type of income or you are just planning to start as a novice businessman, check out the rating of brokers and companies specializing in trust management, putting forward proposals up to 20% per year. In my opinion, this is the best option for beginners who are interested in stable, safe income.

Another option for fast but risky passive income is personal trading of assets on the currency or stock exchange. Find out in detail about the speculative activities of a trader in the Forex market. As an experienced investor, I note that this type of income has pros and cons, which I outlined in one of my previous articles. I do not work on the foreign exchange market, preferring the stock market as a high-yield investment activity.

Network Marketing and MLM

This type of business has a minimum list of requirements for those who start it. To enter the market where MLM companies operate in Russia, it is enough to have one hundred dollars and a lot of free time. An important requirement for those who plan to start distributing products based on the network marketing principle is presence of organizational skills. If you have experience communicating with people, know how to negotiate, your sales skills and convincing people of what you need are at a good level, and in addition to this you have a lot of free time, a network business is what you need.

My acquaintances, who have a rare talent for finding a common language with people they are unfamiliar with, have received a salary increase of five hundred dollars. The main thing in searching and choosing the vector of network entrepreneurship is not to fall for the bait of scammers who are the creators of a financial pyramid, carefully disguised as an enterprise engaged in network sales. I will definitely talk about this in one of the following articles. Next, I offer a brief excursion into the topic. investing in business, covering a fairly wide range of areas of passive entrepreneurial activity with a good level of earnings.

Business courses and specialized knowledge

A good type of passive income - creating a business course on a topic in which you understand better than your friends, colleagues and acquaintances. Particularly attractive are courses on business topics in which you are not just an expert, but also have impressive practical experience with evidence of results. How to understand where you are an expert and where you are not? Very simple. Analyze, find out and compile the main sources of income for your family. How much money do you use to buy food, household appliances, and basic necessities for your family? You yourself will not notice how the finished business will appear before your eyes on a silver platter.

Are you knowledgeable about architectural design or art? Amazing! Create your own course for those who don’t want to pore over thick college textbooks. Write step-by-step instructions, shoot, edit a video with a training course. Do you know about the secrets of the profession? Share them on your Yotube channel. Sell ​​yourself, your experience, the information that you possess perfectly. Fortunately, you have all the means for this. The only difficulty in solving this issue is the distribution of training materials, but it is not for me to teach you here.

Internet business

A great option for passive income - creating your own website or blog. This may seem surprising to you, but there are millions of dollars circulating on the global web. You just need a little money to start, perseverance and a responsible attitude to work. I will briefly remind you about the options for making money on a blog.

The most promising types of income on the Internet

• accommodation on your own website contextual advertising, banners;
• participation in various affiliate programs, searching and attracting clients;
• management of advertising projects with receiving income from an increase in the number of unique people;
• sale of own media products, video courses, audio books, teaching aids.

Establishing, promoting and running your own business projects is always profitable, because you work for yourself. Opening a company, agency or large enterprise today is not difficult. The legislation is structured in such a way that Almost anyone can become an entrepreneur. There are a great many options for earning money, as I already said. For example, you can take the purchase/sale of individual units of goods, the provision of services in a certain area, the distribution of products on the principle of network marketing. On your own website, you can advertise the product you are promoting, thereby killing two birds with one stone.

Passive income without investments: myth or reality

To everyone I talked to about making a side income, the idea of ​​starting a business without a down payment seemed crazy. Meanwhile, having small financial sources of your own for investment, you can start a business from scratch. In order not to confuse you with unnecessary phrases and simply dispel the myth, I will give the example of an outstanding American entrepreneur John Stith, who created the most popular and best-selling drink in the world " Coca Cola».
Few people know, but the guy started with ten cents in my pocket, for which he bought a recipe for an unknown drink consisting of twelve herbs. Today, a product called “Cola” does not need advertising or introduction. You can start earning money without investment. The main thing is to have desire, a little enterprise and a little money.

Where can I get money to develop a source of passive income?

This question worries every novice businessman and investor today, especially among those who do not believe in fairy tales about business from scratch. If you agree with these people and think that starting a business from scratch is a fairy tale, listen to the following recommendations.

There are two options for resolving this issue:

• increase income;
• reduce costs.

How to increase income?

The conversation is not about finding a second job or part-time job, which is also not bad, but about creating passive income using tools that seem completely unsuitable for this. Do some general cleaning put up for sale everything you don't need, for example, a coffee table that has long been dusty or an old fan that the air conditioner has pushed onto the balcony. Believe me, you will be surprised when you find out how much money is scattered around your apartment and is simply gathering dust, taking up extra space.

How to cut costs?

“Economy must be economical,” said one wise man. There are so many options for saving money that if I were to list them, it would require a whole thematic article. Reducing expenses is easier than increasing income, I say this with confidence, supported by personal experience.

Participating in sales, using discount coupons, purchasing food products in bulk, replacing all light bulbs with energy-saving analogues - this is not a complete list. Do you love beer and don't want to give it up? Reduce the number of bottles you drink on your day off. It's the same with smoking. A trivial analysis of the system of income and expenses means real savings and a transition to a new level of business management.

Instead of a conclusion

Well, that's all, dear friends. In conclusion, based on experience, I would like to recommend that you completely give up, even though it is difficult, bad habits: smoking, alcohol, gambling, slot machines. Sell ​​unnecessary junk that has accumulated in your apartment. By reducing expenses and increasing income, you will climb the entrepreneurial ladder faster than you expected and before you know it, you will find yourself at the peak of financial freedom. Good luck!

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