Passive income on the Internet with minimal investment. Best Passive Income Idea

Passive income is the dream of a huge number of people. Many are trying to come up with and implement schemes that would provide stable profits without the participation of the creator. And some even succeed.

In this article we will talk about how to learn how to make stable passive income on the Internet.

Is it possible to earn passive income on the Internet without investments?

Indeed, a large number of people have achieved their dream - they have learned to earn passive income. But when other people look at them, they only see the tip of the iceberg. They see online entrepreneurs or investors who do not work, travel and live for their own pleasure, but at the same time they lose sight of how hard they came to such a life.

I want to disappoint those who believe that there are reliable and highly profitable ways of passive income without investments on the Internet that are accessible to beginners - there are no freebies on the Internet. In order to receive money on the Internet you need:

• To invest money.
• Invest your own time.
• Invest in self-education.

In order to increase your chances of success, you need to use all these 3 points. Success will directly depend on your diligence and determination.

How to make passive income on the Internet?

Yes, passive income online is quite possible. But we found out that without investments nothing will happen. The more money you want to earn in the future, the harder you need to work in the beginning.

To be honest, completely passive income is unlikely. But, at a minimum, you can delegate all your responsibilities to hired employees, devoting only a few hours a week just to analyzing your earnings.

Below we will look at the 7 best ways to earn passive income using the Internet.

1. Selling advertising on the site.

One of the most common ways to make passive money on the Internet is the creation and promotion of one or more information sites. This method has several advantages:

• High probability of making a profit. If you do everything correctly, then getting the required number of visitors is easy to predict and achieve.
• Stable results. If the site was promoted by “white” methods, then it will attract visitors without the participation of the owner for one to two years. And with minimal administration and updating for many years.
• Simplicity. Achieving results in promoting an information site is not very difficult. There are proven step-by-step instructions that will allow you to achieve results without professional SEO skills.

How to make money by selling advertising from the site?

One of the simplest and most effective ways to make money on a website is to place advertising blocks from Yandex and Google on its pages. You can see these blocks on most information sites that are presented on the Internet.

In these blocks, advertisements will be shown to site visitors, depending on what queries they entered into search engines and what sites they visited before. This means that this advertisement will be relevant to visitors, which will ensure a high probability of clicking on the ad.

As soon as a visitor clicks on an ad, a certain amount is debited from the advertiser’s account, which is divided in half between the advertising network and the site owner.

Earning money using contextual advertising greatly depends on the theme of the site and on the number and location of advertising blocks on the page. On average, from a resource with 1,000 visitors per day, a webmaster can earn about 3,000 rubles per month.

• Selling links.

Search engines actively combat the buying and selling of links. The result of this struggle was that the market for rental links was practically destroyed.

But perpetual links are still one of the most effective tools for website promotion. Therefore, a huge number of SEO specialists are ready to line up to buy a link from a quality site.

In order to sell a link, you need to register in one of the eternal link exchanges, for example: Miralinks.ru and Gogetlinks.net, or sell them directly by posting information about it on your website.

Miralinks link exchange.

• Direct sale of banners.

2. Earning money from affiliate programs.

Another highly profitable way to make money on the Internet is affiliate programs. The essence of affiliate programs is simple – attracting potential clients through referral links.

Many companies create multi-level affiliate programs. This means that if the referral you attracted attracts his own referrals, then you will receive money from the company for this. Under such conditions, you can count on passive income, because the more partners you attract, the more money you will receive from their partners.

Where to find referrals?

3. Investing.

We can say that earning money through investments is the most passive. After all, the very concept of investing is that your money works while you rest.

For those who want to try to invest their money and receive stable income from it, I have collected all the best investment methods in one article and compared them with each other:

In fact, becoming a successful investor requires knowledge and experience. Therefore, for a beginner, it is recommended to choose the least profitable and least risky ways to invest money.

4. Passive income on social networks.

As with your own website, you can earn income from affiliate programs by selling advertising if you have a well-promoted group or account on social networks.

With today's competition, it is unlikely to be possible to do this for free, because social networks impose a limit on the number of free additions to friends or invitations to a group.

How to recruit members to a group on social networks?

5. Passive income on YouTube.

You can make money on YouTube by receiving money for views, selling advertising on your channel, or by placing referral links.

The first way to fill your channel with content is to shoot videos yourself. You don't need professional equipment for this. You can make high-quality videos using a regular smartphone.

How you record a video depends on your topic. You can simply record your screen. At the same time, you can film your face on a webcam and display it in the corner of the video.

You can also make your video as a presentation. Record your voice separately and add it to your slides using a standard presentation program or video editor.

6. Internet business.

Another way to make passive money on the Internet is to create and automate a business. The Internet makes it easy to automate business processes, which makes it easier to earn passive income.

Of course, at the first stage you will have to actively participate in the promotion and creation of your online business. But gradually, you will be able to devote less and less time to it, while receiving a stable income.

What types of Internet businesses exist?

• Online store.

In order to create an online store, you do not have to rent a warehouse and fill it with goods. You can use dropshipping and sell products that are in stock at another online store.

To do this, you need to create an online store. After this, agree with another online store that you will regularly buy goods from them and agree on a discount for what you will constantly buy.

After that, fill your website with products that are posted in your partner online store. Set approximately the same prices and start attracting visitors.

To attract visitors, you can use SEO optimization, contextual advertising, social networks, etc. After a client orders a product from you, you will buy it from a partner online store and resell it to the client, earning a discount.

You can arrange delivery yourself or arrange for a partner online store to send the package on your behalf.

• Services.

You can choose any service, even if you don’t know how to do anything. You can engage in design, legal services, repairs, etc.

To do this, you need to create a selling website or group or account on social networks. After that, find a specialist in the field in which you decide to create a business. You can hire him for a salary, as an employee, or take him as a partner.

After this, you will split up: you will promote a site or group and generate a flow of clients. The specialist will perform the work by providing services to clients.

If you cannot find such a specialist, then you can come or call any company and offer to attract additional clients to them, receiving a reward for this.

• Service.

To do this, you need to be an expert in the field in which you plan to build such a business. This could be access to a closed database or a useful service that solves a user problem.

• Infobusiness.

Selling information via the Internet is one of the most profitable ways to make money. The fact is that the monetary costs of creating information products are minimal, and they can be sold an infinite number of times.

The most common type of information products are training courses. In our information-overloaded times, it is becoming increasingly difficult to sell information. But with the right approach, this type of income is still very profitable.

7. Newsletter.

Many businessmen note that email newsletters are the most effective and profitable way to make money on the Internet. But we are not talking about spam, but about the case when users voluntarily leave their email address.

You can collect a subscriber base using the subscription form on the website, advertising the capture page using paid advertising methods, changing the e-mail with some useful information, etc. And the mailing is carried out using special services, such as Mailchimp.com, Smartresponder.ru, Justclick.ru, Getresponse.ru.

In order for subscribers to willingly read your newsletter and not unsubscribe from it, you need to send them useful information in 70-90% of your emails. And only 10-30% need to send letters with advertising or a call to buy.

Each of us dreams of financial independence. However, for the most part, we are forced to actively work from paycheck to paycheck, feeling the eternal fear of losing our job as our main source of income.

Meanwhile, there are options for so-called passive income, for example, we described in detail. Such earnings do not depend on current activities; funds are credited to the account thanks to thoughtful investments made earlier. You can lie on the beach and earn passive income as the only source of funds, or you can work peacefully in the office, simultaneously receiving a pleasant increase in income and not worrying about possible job loss.

Today's selection presents the best sources of passive income. Of course, most of the ideas from the top 10 require some starting capital, but there are also ways that allow you to lay the foundation for future income without investment.

Unlike bank deposits, such investments bring higher income. However, the risks here will be much higher. Credit unions and trust funds do reallocate capital, allowing the money to work and generate income, but only if the fund's management invests it wisely.

Investments in securities can bring a stable income if the investment is made by a specialist. Therefore, such investments require at least minimal knowledge of the state, trends and laws of the securities market. Otherwise, it is better to entrust the funds to professionals, paying attention to mutual funds, which will be discussed below.

8. Passive income on the Internet

– an investment project created according to the principles of a financial pyramid, operating on the Internet. The income of investors consists of funds from newly attracted investors. Investing in HYIP will not allow you to relax - in order not to lose everything, you need to regularly monitor the status of the project.

7. High-yield investing

If an investor is not attracted to independently purchasing shares or playing on the currency exchange, then the funds can be invested in the most or transferred to an experienced trader. Naturally, for their services, the owner of a PAMM account will retain a commission on income, but professionals have a better understanding of the market and know the most profitable ways of investing.

6. Play on FOREX

To play FOREX, you need to undergo minimal training to master the principles of trading. In addition, participation in trading requires constant attention, which makes income no longer completely passive. However, when financial literacy is combined with a certain amount of intuition and luck, fortunes can be earned on FOREX.

An excellent option for receiving passive income, however, it requires significant investments at the initial stage. After all, not everyone has real estate to rent out. If there is an object, then it can provide a stable income from several tens to several hundred thousand rubles per month.

4. Creating your own business

If at the starting stage a new business requires full dedication of effort and time, then over time a successful business can work like a well-oiled machine that does not require the constant presence of the owner. we presented earlier.

Websites allow their owners to earn money by advertising. However, in order for an Internet page to become a source of passive income, it must be filled with interesting and useful content, promoted online, and then maintained in this state.

Unlike a bank deposit, mutual funds offer higher income. True, the risks here are higher, however, you can entrust funds to professionals, as well as determine an investment strategy. As a rule, large companies offer several options for mutual funds - from the most reliable with lower income to high-risk, but more profitable.

1. Bank deposit (Deposit)

The list of sources of passive income is headed by the simplest and most understandable way of investing. Currently, deposit insurance covers funds in the amount of up to 1,400 thousand rubles. If you plan to invest more money, then it is better to distribute it among the most.

Alexey Zenkov

When someone is looking for an opportunity to earn extra income, most often they are advised to find a temporary part-time job. But what if you don't have the time or energy for this? In this case, you need to find ways to generate passive income - earning money with a small investment of time and effort on your part.

1. Try index funds

Index funds allow you to earn income from investing in the stock market completely passively. For example, if you invest in a fund based on the S&P 500 index, your money will be invested in the overall market, and you won't have to worry about how to manage your money or whether to sell or buy shares of certain companies. All these points will be managed by the fund, which forms its investment portfolio depending on the state of a particular index.

You can also choose a fund that covers any index. There are funds involved in various business sectors - energy, precious metals, banking, emerging markets and others. All you have to do is decide for yourself that this is what you want to do, then invest the money and relax. From now on, your stock portfolio will run on autopilot.

1. Make videos for YouTube

This area is developing very quickly. You can make videos of absolutely any category - music, educational, comedy, movie reviews - anything... and then post it on YouTube. Then you can connect Google AdSense to these videos, and automatic advertising will appear in them. When viewers click on these ads, you will earn money from Google AdSense.

Your main task is to create decent videos, promote them on social networks and maintain a sufficient number of them to provide yourself with income from several clips. Shooting and editing a video is not that easy, but once done, you will have a source of completely passive income that can last for a very long time.

Not sure you'll succeed on YouTube? Michelle Phan combined her love of cosmetics and drawing with making videos, gained more than 8 million subscribers, and now launched her own company with a capitalization of $800 million.

1. Try Affiliate Marketing and Start Selling

This is a passive income technique that is more suitable for owners of blogs and active Internet sites. You can start promoting any products on your website and receive a fixed fee or a percentage of sales.

Making money this way is not as difficult as you might think because many companies are interested in selling their products in as many places as possible.

You can find partnership offers either by contacting manufacturers directly or on specialized websites. It is best if the advertised product or service is interesting to you or matches the theme of the site.

1. Make your photos profitable online

Do you like photography? If so, you may be able to turn this into a source of passive income. Photo banks, such as and, can provide you with a platform for selling photos. You will receive a percentage or flat rate for each photo sold to a website client.

In this case, each photo represents a separate source of income that can work over and over again. All you need to do is create a portfolio, upload it to one or more platforms, and that's where your active work will end. All technical issues of photo sales are resolved using the web platform.

1. Buy high-yield stocks

By creating a portfolio of high-yield stocks, you will receive a source of regular passive income with an annual interest rate that is much higher than the interest on bank deposits.

Don't forget that high-yielding stocks are still stocks, so there's always the possibility of capital overvaluation. In this case, you will receive profit from two sources - from dividends and return on invested capital. To purchase these shares and complete the appropriate forms, you will need to create a brokerage account.

1. Write an e-book

Of course, this can be quite a labor-intensive process, but once you write a book and publish it on marketplaces, it can provide you with income for years. You can sell the book on your own website or enter into a partnership agreement with other websites that are similar in theme to the book.

1. Write a real book and get royalties

Just like writing an e-book, there's a lot of work involved at first. But when the work is completed and the book goes on sale, it will become a completely passive source of income.

This is especially true if you manage to sell your book to a publisher who will pay you a royalty on the sales. You will receive a percentage of each copy sold, and if the book is popular, these percentages can add up to significant amounts. Moreover, these payments can last for years.

Mike Piper of ObviousInvestor.com recently did just that. He wrote a book, Investing Plain, which was sold only on Amazon. The first book became so profitable that he created a whole series. These books total .

1. Get cashback on credit card transactions

Many credit cards offer cash back ranging from 1% to 5% of the purchase price. You still go shopping and spend money, right?

Such bonuses allow you to provide yourself with a kind of passive “income” (in the form of reduced spending) from actions that you perform anyway.

1. Sell ​​your own products online

The possibilities in this area are endless: you can sell almost any product or service. It could be something you created and made yourself, or it could be a digital product (software, DVDs, or instructional videos)

For trading, you can use a specialized resource, if suddenly you do not have your own website or blog. In addition, you can enter into a partnership agreement by offering goods to sites on relevant topics or using platforms like (American marketplace for selling digital information products - editor's note).

You can learn how to sell products online and earn quite a lot from it. This may not be completely passive income, but it is certainly more passive than a regular job that you have to go to every morning.

1. Invest in real estate

This method falls more into the category of semi-passive income, since investing in real estate involves at least a small level of activity. However, if you have a property that you're already renting out, it's mostly just a matter of maintaining it.

Additionally, there are professional property managers who can manage your property for a commission of approximately 10% of the rent. Such professional managers help make the process of receiving profits from such investments more passive, but they will take part of it.

Another way to invest in real estate is to pay off a loan. If you take out a loan to buy a property that you will rent out, your tenants will pay off that debt a little each month. When the full amount is paid, your profits will increase dramatically, and your relatively small investment will turn into a full-fledged program for quitting your day job.

1. Buy a blog

Thousands of blogs are created every year, and many of them end up abandoned after some time. If you can acquire a blog with enough visitors—and therefore enough cash flow—it can be a great source of passive income.

Most blogs use Google AdSense, which pays once a month for advertising placed on the site. To provide additional income, you can also enter into partnership agreements. Both of these income streams will be yours if you own a blog.

From a financial perspective, blogs typically sell for 24 times the monthly income the blog can generate. That is, if a site can earn $250 per month, most likely you can buy it for $3,000. This means that by investing $3,000, you can receive $1,500 annually.

You may be able to buy the site for less money if the owner really wants to get rid of this asset. Some sites contain “eternal” materials that will not lose relevance and will generate income years after publication.

Bonus tip: If you buy such a site and then fill it with fresh content, you will be able to increase your monthly income, and you will be able to sell the site again after some time for a significantly higher price than you paid when buying it.

Finally, instead of purchasing a blog, you can create your own. This is also a good way to earn money.

1. Create a website that sells

If there is a product that you know a lot about, you can start selling it on a specialized website. The technique is the same as when selling a product of your own making, except that you do not have to deal with the production itself.

After some time, you may find that you can add similar products. If this happens, the site will begin to generate significant profits.

If you can find a way to ship products directly from the manufacturer to the buyer, you won't even have to get your hands dirty. This may not be 100% passive income, but it’s very close to it.

1. Invest in real estate investment trusts (REITs)

Let's say you decide to invest in real estate, but you don't want to devote any attention or time to it. Investment trusts can help you with this. They are something like a fund that owns various real estate projects. The funds are managed by professionals, so you don't have to interfere with their work at all.

One of the main advantages of investing in REITs is that they typically pay higher dividends than stocks, bonds and bank deposits. You can also sell your interest in the trust at any time, making such assets more liquid than owning real estate on your own.

1. Become a passive business partner

Do you know a successful company that needs capital to expand its business? If so, you can become something of a short-term angel and provide that capital. But instead of giving a loan to the owner of the company, ask for a share of the shares. In this case, the owner of the company will manage the work of the company, while you will be a passive partner, also taking part in the business.

Every small business needs a source of referrals to support sales. Make a list of entrepreneurs whose services you use regularly and whom you can recommend for cooperation. Contact them and find out if they have a system for paying for referrals.

The list could include acquaintances: accountants, landscape designers, electricians, plumbers, carpet cleaners—anyone. Be prepared to recommend the services of these people to your friends, relatives and colleagues. You can earn a commission on every referral just by talking to people.

Don’t underestimate referral programs in the professional sphere either. If the company you work for offers bonuses for referring new employees or new clients, take advantage of it. This is very easy money.

1. Rent out your unused property on Airbnb

The concept appeared only a few years ago, but very quickly spread throughout the world. Airbnb allows people to travel the world and pay much less to stay than in regular hotels. By participating in Airbnb, you can use your home to host guests and earn extra money just from renting.

The amount of income will depend on the size and condition of your home and its location. Naturally, if your home is located in an expensive city or near a popular resort, the income will be much higher. This is a way to make money from free spaces in your home that would otherwise be empty.

1. Write an application

Apps can be an incredibly lucrative source of income. Think about how many people have smartphones today. Yes, almost everything! People are downloading apps like crazy—and for good reason.

Apps make people's lives easier. Whether it's helping you post pretty pictures or keeping track of tasks, there's always an app that's useful to someone.

You might ask: If there are so many apps out there, why would you try to create another one? Is there too much competition? This is all true, but fresh, creative ideas can benefit. If you can come up with something unique, you can make money from it.

Don't know how to program? No problem, you can learn. There are a lot of different courses on the Internet, including free ones. Alternatively, you can hire a developer to create an app based on your idea.

The end result is an application that will potentially generate relatively passive income.

1. Create online courses

Every person is an expert in something. Why not create an online course about your passion?

There are several ways to create and deliver your own online courses. One of the easiest ways is to use sites like

Many people don’t like going to work from 9 to 6, and they don’t teach how to live without a hired job in school. However, the idea of ​​living on interest and dividends exists in the minds of the masses. Financially literate people have heard about sources of passive income, but real purposeful businessmen are looking for how to create passive income from scratch.

What is passive income?

The idea of ​​passive income arises when researching and studying the topic of financial independence. It is those who set out to get rich or achieve financial freedom who strive to build passive income, also known as residual income.

Passive income is profit received by a person without the need to perform daily “active” work or conduct a permanent professional activity. Namely: work from 9 to 6 in the office or do freelancing (remote work), exchanging your precious time for money. In any type of earnings where the employee’s time is exchanged for the employer’s money, we can talk about labor or “active” income.

The word “passive” hints: you don’t have to work regularly to make a profit. That is, a person lives freely at his own discretion, and money “drips” into him. However, this understanding is deceptive. As will be shown below, creating sources of passive income also requires a lot of work, although often only once, or very little effort is required to maintain stable profitability.

Sources of Passive Income

The main sources of passive income by type of ownership are:

• bank deposits;
• securities and bonds;
• real estate;
• copyright.

Additional sources of passive income:

• raw materials;
• business operating “on its own”;
• franchise;
• investments in third-party business systems.

For an employee, the possibility of having more than one source of income, a salary, is new and unfamiliar, and therefore often suspicious. However, if you look at it, having more than one source of income is exactly the way to improve your own well-being and increase capital.

Those who are looking for how to create passive income do not always understand the possibility of creating multiple sources of personal income. This means you don't have to quit your job to earn passive income. You can build these incomes in parallel. Moreover, the options for passive income are numerous, and one person can have as many types of this income as they desire and manage to build.

Types of passive income

If all residual income is divided by type of profit, then the following types of passive income can be distinguished:

• dividends– from investments in securities;
• interest– from bank deposits and other investment organizations, from bonds (government securities);
• royalties– for created intellectual property objects or received patent;
• rental income– from leasing real estate;
• royalties– for the sold franchise.

And several types of profit without special names. These are the following categories:

• income from operating business– (also called dividends in the West) profits from a business for which the founder or board of directors does not need to work personally;
• profit from venture investments– income from investments in business systems built by other people; Here the investor invests money in a startup or nascent business project, and after its promotion receives a return of funds with interest and/or regular profit from the activities of the new company.
• percentage of sales– a separate category of income that may be available to freelancers and businessmen. We are talking about additional profit from the volume of goods sold without the participation of the income recipient. For example, a copywriter who wrote a selling text is paid a fee in the form of a percentage of sales profits from each use of this text by the customer for a year or other agreed period.

Passive income without investments

Is it possible to create passive income from scratch? From the types of passive income considered, it becomes obvious that some sources are built without investing money, others do not allow this.

4 ways to create passive income without investments:

1. create an object of copyright;
2. create a business system that does not require the participation of the founder;
3. create a business and sell a franchise;
4. accumulate capital to obtain residual income in other ways.

Creating a Copyright Object

This method of creating passive income from scratch is suitable for people in creative fields: composers, songwriters, writers, and inventors.

Having once created a beautiful musical composition, song, or written a novel, the author receives a reward for the use of his work or its elements. The list of what belongs to the objects of copyright is in the relevant law of the Russian Federation.

A patent also allows inventors to receive compensation for the use of their intellectual work.

This method is good because you only need to make an effort once, and then receive a fee. However, it is clear that not everyone can create a worthwhile work of art, and they will have to monitor compliance with copyright law.

Creating a business system without the constant participation of the founder

This method is a passive income business. Creating a company that brings benefits to people, and income to the owner and founder, is real, although not easy. The vast majority of small businesses are of the type where the owners are employees in the positions of directors and managers.

Being the head of your own company is not bad and even prestigious, but it does not bring you closer to your goal - creating passive income from scratch. After all, what is passive income? This is the profit from a one-time invested effort that a person receives consistently over many months or years. And if the founder works in his organization, he receives a salary. Therefore, this method will only work if the business is built as a full-fledged system with all the necessary employees, including a third-party general director. Then the founder can rightfully say that he has created passive income.

Creating a business and selling a franchise

Income in the form of royalties from the sale of a franchise will become available only after the creation of a franchise, and for this you need to either already have a ready-made and established business, or build such a business.

The idea is being implemented from scratch, but the result does not fully fall under passive income without investments, because you will have to invest a lot of time and effort into creating your own company. From the point of view of the fact that you can get by only with time and effort, without financial investments - yes, this is possible, even if you have to attract third-party investors to finance the new organization.

Capital accumulation: money makes money

One of the most popular ideas for passive income in order to get rich and become financially independent is the idea: “Money makes money.” It describes the simple fact that you don't have to invest man hours to earn more, even passively.

However, in order to invest money and start bringing more profit, you need to collect start-up capital. It won't work any other way.

Therefore, technically it will be passive income from scratch, because you have to start somewhere, but in fact you will have to save and save. You can start with 10% of each receipt of labor income, that is, salary, or any other income that you have. Thus, a sufficient amount will gradually be collected to invest in bank deposits, purchase securities or bonds.

You can combine capital with someone close to you and invest a larger amount in rental real estate or venture investments. It is important to have a detailed understanding of the subject of investment.

Top 10 ideas on how to create passive income

Let's look at the most popular ways to create additional income without constantly investing time.

1. Bank deposit

With very modest interest rates and additional profits, this type of passive income remains and will remain very popular for a long time. There are several good reasons for this: firstly, the banking system is growing and strengthening, the population is accustomed to trusting banks, their activities are in most cases understandable to citizens.

Secondly, banks provide guarantees - even if this sounds especially dubious in Russian realities, the invested capital is still protected from loss or theft. With the development of insurance companies, each deposit is either insured by default or can be insured at the request of the depositor.

The choice among banks is wide, the deposit options are varied, so passive income is real even with investments of 3,000 rubles or more. There are special deposits with increased interest rates for pensioners.

2. Securities (mutual funds)

Typically, passive income, the ideas of which are taken from Western popular science publications, includes income from securities. Provide access to them and make such investments convenient for the population Mutual Funds – mutual investment funds.

Although the method was especially popular before the crisis of 2008-2010, one cannot count on quick profits, because investments in shares are structured in such a way that such income becomes noticeable after a long time. Therefore, if you don’t have a couple of millions in American currency, you will have to hold the investment for several years or decades.

3. Renting out housing or offices

You can receive a stable income from renting out real estate. This will be just residual income, since one-time efforts are required to find a tenant and repair the premises; otherwise, maintaining the good condition of residential or non-residential property will require a minimum of time.

This is perhaps one of the most popular ways to obtain additional unearned income for the population, since it does not require special education, and the amount of income can be very significant.

4. Starting your own business

To create passive income without investing money, many former employees retrain as businessmen and entrepreneurs. Indeed, if you create a business that operates autonomously, with its own manager and hired labor, then you can earn a good income.

5. Venture investments

Passive income from business is one of the most highly profitable types of investments. At the same time, the risks are great, because any company can close or suffer losses. Moreover, not every person is a born entrepreneur.

For those who are interested in how to create passive income with high interest on invested capital, but do not consider themselves an entrepreneur, the solution is investing in other people’s companies. If you understand who to invest in, then the passive income of the investment will be very high.

6. Creating a work of art

By writing a book, composing a song or music, or making an invention, you can create passive income from scratch. After all, royalties for the subject of intellectual property will be received automatically, without requiring new creative research.

7. Investments in high-risk companies

These include Forex brokers, HYIPs and other companies that take citizens’ money and promise high interest rates. The money will go to trading on the stock exchange, which can give a high gain, but is very risky, which the companies themselves do not like to report. If you make such investments, passive income will be 18-70% per annum or even more.

8. Website creation

Your own website can be used as a source of passive income. There are plenty of scenarios for the development of a web resource here. For example, promote an information portal and turn it into a platform in the form of an advertising platform. Advertising income is passive income.

9. Cars and special equipment for leasing

They provide for rent not only real estate, but also cars, equipment and special equipment. You only need to buy movable property once in order to then receive passive income from renting it to clients.

10. Network Marketing

With all the ambiguous glory of this type of business, one cannot help but say that it is one of the few that provides pure passive income, because having built his network of consultants and sellers, the head of the network begins to receive a percentage of the sales of “his” employees.

How to achieve financial freedom

Financial freedom is the ability to live with enough financial resources to satisfy any needs and desires of yourself and your family. The path to it runs through residual income. The logic of this movement is simple: no matter how large a salary an employee has, he can get sick, retire, or become disabled for another reason. In this case, income immediately falls and, if there are no impressive savings, then you will not be able to live on savings for long.

Passive income allows you to retire completely. You can work then and as much as you want and not for the sake of money. Such income, preferably represented by not one, but many sources of profit, is the secret of many rich people. It is not easy to create such streams and rivers of money, but this work more than pays for itself, because it is a one-time job, and the profit received as a result is passive income.

Since the publication of the works Tim Ferriss And Roberta Kiyosaki such a concept as " passive income“has turned into some kind of mystical thing that gives the opportunity to start a rich and free life for everyone who can get it.

It's no wonder that many are tempted to get their hands on this Holy Grail. But before you take action, it’s better to take a closer look at what passive income is and how it works.

What is passive income and earnings

In simple terms, passive income is creating something ( material or intellectual value), which will allow you to receive money for an indefinite period without further human intervention.

How to create passive income?

The simplest examples of passive income are book authors. They can spend several months writing a novel and then get paid for every copy of that book sold for decades. They create value, which then works for them.

However, this was too narrow a definition.

According to a reputable publication Investopedia Passive income is "earnings a person receives from a rental property, limited partnership, or other business venture in which he is not actively involved."

True passive income is income that does not depend on the mandatory performance of any regular actions and comes in even if its owner does nothing at all.

Popular culture in Russia defines passive income in rubles as “ any money you can make lying on the beach and sipping a cold mojito», but this is a misconception.

For example, a well-known financial trainer and expert in the USA Todd Tresidder notes that today passive income can be considered any income that requires minimal effort after the initial investment of time or money, and works in accordance with with Pareto's Law - « 20% of efforts give 80% of results».

Before you think about how to create passive income, you need to understand about active income.

What is active income?

Active income is the reward a person receives for the work he does. Regardless of profession, if a person spends his time and effort in exchange for money, this is active income. Earning options may vary ( lawyer, doctor, bartender, loader, copywriter, correspondent for print or online publications) but the principle remains unchanged.

• The principle of active income: work - eat.
• The principle of passive income: work - eat today, tomorrow, the day after tomorrow...

The main point of creating passive income is to invest heavily or work at a certain point, and then, without putting in much effort, reap the fruits of your labor in the long run. Since there are so many different options for passive income, it’s worth talking about each of them separately, highlighting several of the most common and accessible to everyone.

Types and sources of passive income

Today there are a variety of ideas, examples and options for sources of passive income. However, it is immediately important to recognize the fact that this will not be so easy. Otherwise, most of the hired workers, forced to work “from bell to bell,” would have long ago left for free bread. For those who are still determined, it makes sense to pay attention to such sources of passive income as:

• bank deposits;
• valuable property and real estate;
• securities;
• participation in mutual investment funds;
• creation of intellectual property;
• creation and optimization of your own business.

Each of these areas and ideas has its own methods of passive income. And by choosing the path that is closest to oneself, everyone can familiarize themselves with them in detail.

IMPORTANT! The biggest and easiest money is earned from a person’s desire not to work, so on the Internet you can find thousands of offers from scammers, so when creating passive income, focus on its legality, adequacy, reliability and simplicity, where it will not be possible to deceive you.

Shares as a source of passive income on the Internet

For example, if you start from $3000 and report $300 monthly at 50% per annum, then in 11 years you will already have $1 000 000 !

You invest $3,600 a year for 10 years and get a million dollars out.

1 year $8,565
2nd year $17,362
3rd year $30,558
4 year $50,351
5 year $80,042
6 year $124,577
Year 7 $191,381
Year 8 $291,586
Year 9 $441,893
10 year $667,355
11 year $1,001,032

Look at the graph of this option for passive income on the Internet for clarity:

A stock portfolio is an excellent option for passive income, it is understandable and adequate, and will be an interesting way for most.

Here you can find hundreds of European and American stocks, commodity futures, energy and other assets.

One way or another, stock prices are rising all the time, and companies that more and more people are learning about are growing hundreds of times.

Over the past 3 years, only one has grown by 300% . This is the most advanced and legal passive income on the Internet.

Valuable property and real estate

This type of passive income includes:

• real estate;
• precious metals and stones;
• antiques;
• objects of art;
• collectibles (coins, stamps, books, vinyl records, etc.).

But you need to understand that to develop such a business you need to have not only start-up capital, but also the necessary knowledge. So you will have to find experts and initially involve them in the cause.

How much can you earn this way? Depending on the chosen direction and market conditions, profitability can be from 15 to 70%. It looks good, but you need to keep in mind that investing in real estate, precious metals, as well as luxury and collectibles is not passive income in the classical sense. Yes it can match Pareto's law, but nevertheless, a person is required to:

• careful study of current market analytics;
• ability to select liquid assets;
• careful monitoring of tax affairs;
• ability to find and attract clients.

There is one more point - it is advisable to invest for a long time. Real “exhaust” can only be obtained in 5–10 years. During this time, an apartment purchased in a new building may become more expensive by 30–40%, and various antique values ​​and even more. This type of passive income basically does not require anything from you - you buy and hold, and after n amount of time you sell.

For example, Andy Warhol's painting "Lemon Marilyn" was purchased by an investor in 1962 for $250. After 45 years, it was sold for $28 million.

Earnings on PAMM investing

For those who are not well versed in stock trading, investment solutions from offering such features as automatic copying of transactions of successful traders or can be an excellent option.

The bottom line is to invest money in managers on the currency exchange. Traders will take a small percentage of the profits, but will also make money for you. Thus it benefits everyone.

To make it easier for users to choose the most suitable option, all brokers provide a rating of the profitability of managers, where you can clearly see their successes both in the short and long term.

The return on investment in traders largely depends on the professionalism and market situation and may fluctuate from 30 to 150% per annum, and you don’t have to do anything yourself.

Creation of intellectual property

The softest for those who want to create passive income from scratch.

For people with valuable knowledge, experience or good creativity, passive income without investment can be obtained thanks to

• audio creation,
• video,
• graphics,
• text materials of artistic or scientific content.

There are a great many ideas that can be implemented in this regard:

• writing books
• scenarios
• music
• software

with subsequent receipt of both royalties for the work itself and royalties, which will be paid whenever others want to use your work.

And although not everyone can earn large sums of money here, the availability of methods makes this direction very attractive.

Bank deposits

The most popular and simplest passive income in rubles is opening a bank deposit.

That is, in principle, you can put money in a bank and live on interest alone. The main advantages of this option:

• extreme simplicity of the process;
• you don’t have to do anything at all (just come to the bank, sign an agreement and give the money to the cashier);
• relatively low risks of losses.

However, there are also negative aspects. The first is more than modest profitability. The average rate of large banks is no more than 7–8% per annum. Less renowned institutions offer 8–11% in rubles or 2-3% in dollars.

In order to earn at least $1000 per month with a bet of 2% per annum, you must already have 600 thousand dollars, which will always lie on the deposit as “dead weight”.

Creating and optimizing your own business

Any business is painstaking and hard work. But only for the time being. According to an American financier Tim Ferriss, the success of any business is determined by its impact.

1. Its first phase involves substantial cash injections and constant control by the owner. It takes about 4–5 years. In some cases up to 10 years.
2. After this, the business evolves into the second phase and comes into compliance with the already mentioned Pareto Law - it provides its owner with 80% of the result with 20% of the effort. At this stage, there are no longer any problems with how to create passive income based on it.

The business owner can shift the lion's share of worries to the management staff, while he concentrates on things that are interesting to him or another promising business.

How to earn passive income in Russia

Organizing the creation of passive income in the Russian Federation is not much more difficult than in any other country in the world. However, there are also some nuances. Russia, for example, cannot be called “ a safe haven“, therefore, investing in shares of Russian companies in the long term requires particularly careful calculations and a willingness to quickly look for new solutions. However, nothing prevents you from buying shares of foreign companies through or.

The real estate market here is also characterized by its heterogeneity. For example, if by 70% territory of the Russian Federation, real estate prices behave predictably and in accordance with global forecasts in such regions as MSK or St. Petersburg It is sometimes very difficult to predict price movements. During a period of general boom, relative calm can reign here, and vice versa, when there is crisis and stagnation everywhere, the volume of real estate transactions in Moscow, for example, can go off scale.

As a conclusion

As you can see, passive income is real, however, it is not always passive 100% , as some not very honest authors of various trainings and educational materials like to say.

However, in any version of passive income, it will not have a boss in front of you, a work schedule, and in the case of passive income on the Internet like shares or trust management - a territorial reference.

At first you will need to do a lot ( initially unpaid) work to get into profit and get a stable flow of money.

Passive income has many advantages, but, as elsewhere, there are also compromises. Initially, it is difficult to get a big return from it, so you will have to put up with the need to go to a regular job, and maybe even more than one, in order to raise money for the start. And only those who are ready to mobilize efforts and forget what laziness is can succeed here.

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