Invest money wisely. How to make a profitable investment without risk? Investments in your own business

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

But what most people don't realize is that when you have accumulated money under your pillow, it quietly diminishes. Every night the “savings killer” comes and steals a small part of our savings. And this killer's name is Inflation.

The official inflation rate in Russia for 2015 is almost 13%. But we know that it is quite underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely more than 20%.

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

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

Investing is not that difficult.

I think everyone has an idea of ​​what investing is. When investing, you put your money to work. That is, you invest money expecting to receive even more money in the future.

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

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

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

Let’s say that you are committed to moderate risks and distribute your money like this: mutual funds – 40%, PAMM accounts – 40%, backing – 10% and HYIP projects – 10%. Now you need to apply the principle of diversification within each investment method you choose.

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

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

Let's compare the 12 best ways to invest.

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

Comparison of the best investment methods.

The following options were selected:

• Simplicity. This parameter characterizes how easy it is to understand this method of investing, understand the principle, find a suitable company and make a contribution.
• Profitability. Here the average return on investment will be assessed. Most often, this and the following points are interconnected: the higher the profitability, the higher the risks.
• Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
• Entry threshold. Shows the minimum amount you can invest.
• Liquidity. Estimates how quickly you can withdraw your deposit, and what losses await you if you withdraw money prematurely.
• Passivity/activity– this parameter shows how passive this type of income is. That is, 10 points means “put it in and forget it,” and 1 point means that in order to get maximum profit you will have to spend additional effort and time.

Of course, all my assessments will be subjective and I think that many readers will not agree with them.

1. Bank deposit.

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

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

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

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

You can start investing with an amount of 10,000 rubles. This is not much at all, so you can put it beyond the entry threshold 8 points.

In most cases, you can withdraw money from your deposit at any time. But if you withdraw money early, you will lose most of your profits. 7 points for liquidity.

This type of deposit falls into the “put it in and forget it” category. All you have to do at the end of the investment period is go to the bank and withdraw your money. Well, or extend the deposit. 10 points.

Pros:

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

Minuses:

• Low profitability.

Conclusion. This type of investment serves not to increase your money, but to at least somehow compensate for inflation. In any case, if you do not want to take risks at all, then this method is better than just keeping money under your pillow.

2. Mutual investment funds (UIFs).

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

You also need to take the choice of mutual funds seriously, studying the statistics of different funds. After this, you need to go to the office of the company or its agent. I'll give it for simplicity 6 points.

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

Reliability also greatly depends on the type of fund. While bond mutual funds are one of the least risky investments, investments in venture funds carry very high risks. On average, I would rate reliability at 7 points, because at least you won’t be able to lose a large part of your deposit, as in other investment methods.

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

I think most people invest money in open mutual funds, so at this point we will only talk about them. You can withdraw money from open funds by selling your shares in 1-3 business days. I'll put it 10 points.

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

Pros and cons of this investment method:

Pros:

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

Minuses:

• Possibility of incurring a loss if the fund choice is unsuccessful.
• Relatively complex investment procedure.
• An investor should be interested in the stock market.

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

3. PAMM accounts.

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

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

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

As returns increase, risks also increase. When using the principle of diversification, you will not lose the entire investment amount, but you may receive a loss. For reliability I would put 6 points.

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

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

You will have to spend time managing investments. If you do not use automatic tools, you will have to log into your personal account almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I bet 6 points.

Pros and cons of this investment method:

Pros:

• Low entry threshold.
• Opportunity to create your own investment portfolio.
• Simple investment procedure.

Minuses:

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

Conclusion. This is a very common method of investing, which has gained popularity due to advertising. This method of investing money is more suitable for those people who like the foreign exchange market or who have experience trading on the stock exchange.

4. HYIP projects.

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

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

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

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

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

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

In most projects, the deposit cannot be returned. It will be returned to the investor throughout the investment period with each payment. Therefore only 1 point.

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

Pros and cons of this investment method:

Pros:

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

Minuses:

• Very high risks.

Conclusion. Make money onHYIP projects can only be carried out by those who are “in the know.” You need to be able to analyze projects and find those that can generate income. Most people who make money on HYIPs compensate for the loss when investing by attracting referrals.

5. Backing (investing in poker players).

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

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

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

The reliability of this type of investment highly depends on the choice of players. In addition, when purchasing a share, you do not sign any contracts and the player may “not want” to give you your share for winnings. 3 points for reliability.

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

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

After you have made a deposit, all you have to do is wait for a positive outcome. You can no longer influence anything. 10 points.

Pros and cons of this investment method:

Pros:

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

Minuses:

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

Conclusion. Rather, backing is suitable for people who are well versed in poker. The average person will have a hard time choosing the “right” player.

6. Trust management in sports betting.

Most people view sports betting as gambling. But professional privateers earn a lot and consistently from betting on sporting events.

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

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

If you look at the profitability charts, you will see that top privateers increase the funds in their accounts by thousands of percent. Such income should be captivating. But on average, the returns from this investment method are much lower and deserve 6 points.

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

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

You can withdraw money quickly and easily. 10 points.

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

Pros and cons of this investment method:

Pros:

• Short-term investment.
• Independent portfolio development.
• Low entry threshold and the ability to use a demo account.

Minuses:

• Possibility of receiving a loss or losing the entire amount.

Conclusion. This investment method is very similar to investing in PAMM accounts in the Forex market. But it is not so famous due to the lack of advertising.

7. Startups (venture investments).

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

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

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

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

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

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

The barrier to entry into this type of investment is not high. 10 points.

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

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

Pros and cons of this investment method:

Pros:

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

Minuses:

• High risks with passive investing.

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

8. Currencies and precious metals.

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

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

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

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

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

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

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

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

You can probably protect yourself from the depreciation of the national currency by storing half of your money, for example, in dollars, and the other half in rubles. This way, if rates fluctuate, you won’t lose anything, but you won’t earn anything either.

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

The entry threshold depends on the type of asset and the method of purchase. On the exchange, 1 lot will cost at least $1,000, and through exchange offices or payment systems you can exchange amounts of several dollars. So anyone can buy currency or precious metals. 10 points.

You can sell currency as quickly as you can buy it. In exchange offices and stock exchanges this is done almost instantly. Gold is also a highly liquid asset. 10 points.

In general, trying to influence profits by tracking rates and then selling assets turns you into a trader. And I wouldn’t classify trading as investing. Therefore, I understand investing in currencies and precious metals as “invest and forget.” That's why 10 points.

Pros and cons of this investment method:

Pros:

• Can protect against depreciation of the national currency.

Minuses:

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

9. Securities.

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

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

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

In fact, usually low returns entail low risks, but not in this case. The risks are high in the stock market. 3 points for reliability.

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

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

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

Pros and cons of this investment method:

Pros:

• A simple investment procedure and a low entry threshold.

Minuses:

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

Conclusion. If you have already decided to invest in securities, then it is better to contact a professional manager who will manage your funds for a small commission. As a newbie, investing in the stock market on your own is more like gambling than investing.

10. Real estate.

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

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

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

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

If you decide to buy commercial real estate, then the hassle becomes much greater. You will need to do accounting, pay taxes, manage facilities, and re-register energy supplies. On average I would give it for convenience 2 points.

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

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

Real estate is indeed highly reliable. Unless, of course, this is a facility under construction.

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

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

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

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

Pros and cons of this investment method:

Pros:

• A clear scheme for generating income.
• High reliability.
• You don't need any special knowledge or experience in investing.

Minuses:

• High entry threshold.
• Low profitability.

Conclusion. Investing in residential real estate is a way of investing money that is understandable to everyone. This method is especially popular with conservative investors who do not want to take risks.

11. Investments in business.

Of course, here we will not talk about investing in creating a business from scratch, but about buying an existing company. Creating a business from scratch is hard work with unpredictable results. An investor is interested in an established business with streamlined processes that generates a stable income.

To find a company to buy, you can use newspapers or bulletin boards. But most often, the entrepreneur does not talk about the sale of his brainchild, so as not to raise doubts among employees and clients.

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

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

Extremely profitable businesses are rarely sold, so you should count on average profitability. Of course, profitability greatly depends on the type of activity and quality of management. I'll put it 6 points.

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

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

The barrier to entry into this type of investment is relatively high. Yes, there are very small companies, but they don’t cost a penny. Buying a profitable business with streamlined processes is similar in cost to buying real estate.

People often join together in groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I'll put it 2 points.

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

If you begin to independently manage the purchased company, you will turn from an investor into a businessman. Therefore, you will need to hire an executive director to manage your business. But even in this case, you will have to control it and analyze the company’s activities.

And you will need to select a manager yourself. That's why 2 points.

Pros and cons of this investment method:

Pros:

• A reliable and profitable type of investment.
• You can choose the business that you like and understand.

Minuses:

• Complex procedure for selecting and registering a business.
• High entry threshold.
• It will be necessary to delve into business processes and, to some extent, manage the company.

Conclusion. I believe that if you have sufficient capital, buying an existing business is one of the best ways to invest money. But it is advisable that you like the type of activity your company does and have at least minimal experience in running a business.

12. Investments in content sites.

This method of investing is similar to investing in a business, but with a simpler purchasing and management process. Again, there is no need to create and promote a website. You can simply buy a ready-made project.

The website itself is more of a tool than an asset. The real asset is the audience that comes to this project every day. The site owner makes profit through advertising, affiliate programs and other sources of monetization.

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

The transaction is protected and takes place according to the rules of the auction, where the site goes to the buyer who offers the highest price. For simplicity we can put 4 points.

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

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

If the site is made with high quality and was promoted only by “white” methods, then such a contribution can be called reliable. Of course, if you want the project to bring you profit for many more years, then you need to do at least minimal work on it. But the project will be enough for a year or two without additional investments. 8 points for reliability.

In general, some sites are sold very cheaply. You can find it for 500 rubles. But such sites should not be of interest to investors.

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

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

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

Pros and cons of this investment method:

Pros:

• A convenient investment amount for everyone.
• High reliability of investments.
• You can develop the project, increasing profits.

Minuses:

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

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

Which method do you like best?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

2. Purchasing real estate (editor's choice)

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

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

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

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

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

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

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

Acquisition of real estate at the stage of closed sales

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

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

Investing in real estate with maternity capital

Investing in real estate in 2019

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

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

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

Options for investing in real estate with a stable rental income

Free investing knowledge base

41 ways to invest in real estate

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

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

Download a free business plan from Yu. Medushenko

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

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

3. Investing in mutual funds

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

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

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

4. P2P lending

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

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

5. “All or nothing” - binary options

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

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

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

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

6. Investing in someone else's business

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

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

7. Investing money in your own business

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

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

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

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

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

8. Investing in precious metals

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

There are several ways to purchase precious metals:

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

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

9. The magical power of art

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

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

10. Investing in venture funds

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

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

11. Investing in cryptocurrency

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

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

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

12. Investing in phone applications (iOS, Android)

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

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

13. Investing in groups, public pages on social networks

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

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

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

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

14. Purchase of a payment terminal

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

15. Investing in yourself

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

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

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

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

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

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

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

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

Basic rules for break-even investing

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

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

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

Method number 1. Purchase of shares

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

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

Method number 2. Microcredit in Webmoney

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

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

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

The advantages of online investments include the following:

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

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

1. Investment of funds under CPA affiliates

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

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

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

2. Investing in MFA sites

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

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

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

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

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

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

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

Method number 4. Investing in PAMM accounts

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

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

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

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

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

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

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

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

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

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

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

Expert tip #1. Deposit in a commercial bank

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

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

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

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

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

Expert tip #2. Investing money in real estate

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

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

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

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

Expert tip #3. Currency investments

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

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

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

Expert tip #4. Investing in your own online business

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

Your own Internet project can be created in various versions:

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

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

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

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

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

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

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

5. Conclusion

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

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

Read the article by Andrey Merkulov -

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

Hello! Today we'll talk about where to invest money. Do you have a certain amount of money and want to increase it with minimal risks? Where to invest money with maximum benefit? What principles guide experienced investors? You can find out more about all this below. Do not neglect this information, because the best investment is an investment in the form of knowledge.

Financial cushion

Where is it profitable to invest money?

There are many ways to invest. Among them there are not entirely legal methods and projects that are aimed at extracting money from illiterate and gullible investors. How not to get confused in all the variety of offers and not run into a scam.

Let's talk about where is the best place to invest money?. Let's consider traditional investment methods that have already been tested by time and experienced investors. The risks are moderate, and the profitability is quite predictable.

Invest money in bank deposits

Invest money at interest in a bank- the most common method, but due to the high level of inflation in the country, it cannot be called super profitable. At best, you can count on maintaining your funds at the same level as at the time of deposit.

The Russian Federation recently adopted a law that guarantees the depositor payment of 1 million rubles (instead of 700 thousand previously established) in the event of bank failure. Provided that the bankrupt financial institution has a banking license.

Sberbank is one of the most popular banks in Russia, but it cannot boast of high interest rates on deposits. If you are interested in the question of where to invest money so as not to lose, this option is for you. Here the level of risks is the lowest. After all, this is one of the most reliable and time-tested banks. In addition, here you have the opportunity to invest small amounts of money, with almost a full guarantee of return.

What are the advantages of investing money in a bank?

1. Small chance of losing money.
2. You can return funds at any time.
3. You can start with 1000 rubles.
4. Simple rules and clarity of the whole process.

The disadvantages are obvious:

1. perhaps the lowest profitability of all possible investment methods;
2. If funds are withdrawn early, interest is lost.

Bank deposits are divided into several categories depending on the term:

• Time deposits - funds are kept in the bank for a certain period of time; if money is withdrawn ahead of schedule, the bank imposes penalties on the depositor. This may include deprivation of part of the interest on the deposit. The contract may set a period during which money will be returned in case of early termination of obligations.
• Perpetual deposits - the agreement in this case is free from strict mandatory deadlines. You can withdraw money at any time. But a small account balance is expected so that the contract does not terminate. If there is no balance, then next time you will have to sign the contract again.
• Deposits with monthly accruals on the account. In this case, interest is transferred to the depositor every month. Funds can be withdrawn or retained, thereby increasing the amount on which interest will accrue.
• Deposits with interest payment only upon expiration of the period specified in the agreement. You can enter into an agreement for a year and receive interest only after this period, not earlier. Such deposits can be made for any period - a month, six months, a year or more.

Invest money in stock markets

Stock market– the second most popular way of investing. It is based on the purchase of securities (bonds, stocks and futures).

Allows you to get much more income than from bank deposits. However, relatively significant risks must be taken into account.

To invest in this area, it is useful to contact special brokerage companies or banks that deal with the stock market and operations on it. Today, the most famous brokerage companies are Aton and Otkritie. These are reliable systems with minimal risks to invest money in Russia.

You can invest for short periods, and then such investors are often called speculators. They sell and buy securities in a matter of minutes, a maximum of a week.

Medium-term investors hold stocks for several weeks to months.

If shares are purchased for several years, then this is a long-term investment.

You can manage funds yourself, or you can turn to traders or specialized funds. The latter includes PIF - mutual investment fund. This organization itself forms an investment portfolio consisting of shares, deposits, bonds and other things. He independently sells these shares, or shares in other words.

Certain periods are established, after which the investor receives interest in accordance with the size of the contributed share. But the fund can also bring losses if the income is less than the amount of investment.

The main advantages of investing in funds:

• the percentage of profit is higher than from bank deposits;
• you can invest in different instruments - types of securities;
• You can create your own investment portfolio by studying in detail the ratio of income and risks. In this case, there is a possibility of investing money very profitably.

Disadvantages of stock markets:

• the process is not as simple as bank deposits;
• the risk of losing funds is increased;
• If you engage in independent investing, you need special knowledge.

Shares are securities confirming the right to participate in the authorized capital of a company. They bring their owners part of the company's profits. This is a chance to invest today in order to get possible profits in the future. Large profits are a characteristic feature of such investments, but there remains a risk that the company may go bankrupt.

In this matter, it is important to learn how to make a forecast and cash out money on time. As soon as the company begins to lose its position.

Invest money in Forex

I myself previously learned to trade on the stock exchange and got a little hooked on Forex. Believe me, there is nothing to do there without knowledge and trading skills. Before my eyes, 90% of people lost money, 7% worked for zero and 3% made money. True, there are examples of those who do not earn a lot from this, but these are a few. If this activity interests you, then try it!

World global currency exchange market - Forex. The whole principle is to exchange almost any monetary unit. Most transactions take place in one day, and speculative investors earn money on them accordingly.

Forex is designed to make money in the shortest possible time. But the risks are enormous. In the same few days you can lose all your capital.

Currently, there are special companies - Forex brokers. They offer Forex services.

Here you need to be as careful as possible, because fraudulent companies have appeared. They create special programs that simulate trading on the world market. As a result, the investor plays some fictitious game on his computer and, of course, loses all his funds.

Before contacting Forex brokers, you need to read reviews about the company, visit the office, and make sure by any other means of reliability.

Advantages of the Forex market:

• relatively small initial funds (minimum $100);
• quick earnings due to high leverage;
• There are enough investment instruments and they correspond to currency pairs.

The disadvantages are the very high risks of losing money in a short period of time. Investing requires considerable knowledge and skills, which are acquired with great difficulty over many years of hard work. According to statistics, only 2-3% of traders trade profitably. Newcomers, inspired by beautiful stories, always believe that they will definitely fall into this cherished 2-3%. Don't flatter yourself, they will drain everything in the shortest possible time. Only by devoting a lot of time and effort to this business, learning to control risks and mastering your emotions, can you have a chance to start earning money.

Investing in PAMM accounts

Successful traders offer services for depositing funds on Forex. It’s convenient because you don’t need to learn the rules of investing and study all the intricacies of successful investments.

You can easily receive from 4 to 7% profit per month. The whole point is to transfer finances to the manager. He, in turn, makes the money work, and the profit is usually divided in half 50/50. If you invest a lot of money, the investor can get better conditions. For example, 70/30 of the profit in favor of the investor.

There is also always the opportunity to invest money at an expected high interest rate if the manager uses aggressive trading strategies. People often invest money in such managers. But do not forget that your risks of losing funds also increase greatly. By the way, in PAMM accounts you can invest money on the Internet, without having to go anywhere.

All money is kept in the collection agency, so there is no risk that the manager will appropriate all the funds and disappear. He is interested in making a profit. His income depends entirely on how he manages to work in the stock market.

A natural question arises: where to invest money to make it work?, and where to find an intelligent manager.

There aren't many options.

An easy way to invest if you have enough funds to purchase residential space or commercial real estate. The latter will provide more income, but will also require certain knowledge and literacy.

Real estate is not only buildings, but also land, quarries, lakes, boats, airplanes.

This is not always a tool to make money, but a good tool not to lose! Real estate is always at a premium. Moreover, the price is always rising. Secondly, you can not just buy it and wait for growth, but also actively use it to earn money. Can be rented out or used for your own business. In any case, real estate is an excellent investment and not only in 2017-2018.

Moreover, you can buy both residential and commercial, although now I would place more emphasis on commercial real estate. It is also profitable to buy private houses in poor condition with the aim of building new real estate on this territory. In our city this direction is actively developing and we also partially participate in this;)

Positive sides:

• the opportunity to receive passive income;
• you can make money on the difference between the purchase and sale prices;
• a good way to save money and protect it from inflation;
• real estate is a tangible asset that can be used for a business or for homesteading.

Negative sides:

• you need to have a large initial capital;
• cannot be sold quickly without loss of market value;
• Damage to the asset by tenants, flood, fire, and so on is possible. The solution is insurance, which will require additional costs.

You can invest money in real estate in Russia. According to statistics, apartments that are small in size but located in a prestigious area are in great demand. The cost is not so high, and repairs will be inexpensive; you don’t need to buy a lot of furniture. If you rent out such apartments, you can get up to 20% per annum. Payback occurs in 5-10 years.

There is a minus - it is difficult to find permanent tenants. The property owner has to periodically find tenants. If the apartment has a large area and rooms are not rented individually, then such housing will bring up to 7% per annum, the minimum payback period will be 10 years.

When buying and selling real estate, you need to be especially vigilant. Pay attention to the property documents and the contract. It is better to contact well-known real estate offices with a good reputation and a notary.

Invest in private lending

Such investments will bring high returns, up to 50% of net profit. Private lending today is developing at a rapid pace. But the risk in this matter is huge - the borrowed funds simply may not be returned. No competent and clear agreement and careful selection of applicants provides a great guarantee of a refund with interest. It makes the most sense to engage in microcredit. When amounts of money that are not very large are issued for short periods of time.

A similar opportunity is available on the WebMoney website. Loan amounts and terms are small, interest rates are high. If you learn to distinguish a solvent person from a bankrupt or a swindler, you can make good money. However, online lending is also a riskier activity compared to conventional lending. Sometimes the borrower’s passport is even unknown.

Another convenient platform for borrowing activities is the BezBank platform. Conditions for investors are attractive. You just need to register and submit an application for readiness to provide a loan. People who need money find offers, and the lender dictates its own rules - the interest rate and terms of the transaction.

A candidate for a loan is verified based on two indicators: the activity rating on the site and the level of trust in other lenders. Situations that are out of control are regulated by the collectors office. It is tied to this project.

You can also invest money here to make a profit. Even if you invest a small amount of money, you can still easily and quickly earn 50%. For example, having lent 10 thousand rubles, seven days later 15 thousand are returned.

For a person with an entrepreneurial spirit, there is no better way to invest money. Risks, of course, remain, as with any investment. But they can be easily learned to manage. The businessman himself decides where to allocate funds so that they work and make a profit.

I think investing in myself is more optimal, maybe because I’m not an investor. In my business, I am responsible for my investments; in fact, I invest in myself, and this is a big plus. Of course, there are downsides here - you have to work! But I have always invested and will continue to invest in myself and my projects!

• Cons: You have to work, there is a risk of going broke, this is not exactly passive income.
• Pros: You control the situation, there are no limits to your income.

Almost any business requires start-up capital; if you don’t know where to get it, we recommend reading the following articles:

Effectively invest in a ready-made business that generates income. Additional investments in this case will only increase existing profits.

It is much easier to attract co-investors in business projects. It's easy for business. These are all positive aspects. But there are also negative ones:

• the risk still remains high;
• if this is a business project, then there is a risk of losing a share;
• It is impossible to sell assets in a short time without loss in value (products, equipment).

Investments in precious metals

This is the most ancient way of investing. It so happened that banknotes are tied to gold. In the second half of the 20th century, gold ceased to be a guarantor of currency. But precious metals are still able to preserve and increase capital.

There are three common ways to invest money to make money on precious metals:

• purchasing futures or shares, related funds and companies;
• contribution to impersonal metal accounts;
• purchase of bullions from precious metals.

With the last method, everything is clear: you need to go to the bank and buy bullion there. The remaining 2 options require detailed explanations.

An impersonal metal invoice is an invoice that shows how many grams of metal were purchased by the client, but without indicating the sample, serial number and manufacturer.

Futures represent a contract for the supply of metal in a specific quantity. You can buy them on exchanges. Thus, by purchasing a contract, the investor becomes the owner of a batch of metal.

This type of deposit promises high stability. This is a good way to invest your money now to save it and beat inflation.

Investments in antiques and art objects

This option is more for those who know a lot about it! And whoever knows will understand. There are always people who look for rare things and buy them. And this pleasure costs a lot.

Example. Once, a friend of mine bought a GAZ 21 Volga car in good condition. In our city a couple of years ago you could buy thousands for 50 rubles. He repainted it, installed a BMW engine (not new, of course) and an automatic transmission, tweaked the interior, and generally put it in order. He did it for himself, but the other day he was offered 800,000 rubles for it. He Googled it and gave up because it was also cheap! The investment, according to my rough calculations, is 300-400 thousand rubles, and the output is 800 thousand rubles. If you do this thoroughly, you can make good money.

This is just an example from life. There can be many options.

To implement this method, considerable free funds are needed. But rare collectibles and paintings become more expensive every year. An antique is considered to be something over 50 years old. Not every item can become valuable over the years. These can only be antiques that have artistic and historical value. You can only make a profit from antiques that are recognized by leading art connoisseurs and scientists.

You can buy and sell antiques, art objects and collections at auctions and exhibitions. There are also specialized stores.

This type of investment has one significant disadvantage - fakes and scammers. You definitely need an expert with special equipment to distinguish the original from the fake. Before investing money in a particular piece of art, it is imperative to carry out an examination.

Investments in intellectual property

A patent can be obtained for a specific technology or invention. This is done to prevent other persons from using the intellectual property without the permission of the author or inventor.

Then, if this invention or technology is introduced into production by someone for the purpose of making a profit, you will receive your percentage in the form of passive income.

This method is beneficial for people who know who in the future may need this or that technology, and to whom it can be offered for use. The same applies to trademarks and brands. All this is called intangible assets, that is, assets that cannot be touched.

You can receive passive income or make a profit from reselling a trademark.

There are also risks: you may not find tenants or those willing to use this or that technology, patent, or trademark.

Invest money in internet projects and startups

One of the most profitable ways to invest money. At the same time, it is not necessary to look for Internet projects and invest money in them, giving funds to unknown people. Money can be invested on an investment platform with a license. The whole process is legal.

For example, the Share In Stock exchange, where business owners present their projects online. Investors can invest money in these offers and receive income in the form of monthly payments.

The advantages of this type of investment:

• minimum down payment – ​​$1;
• the opportunity to make a profit of 50-100% per year;
• a large selection of projects for investment.

Negative sides:

• risks, possible bankruptcy of the project;
• knowledge in the field of marketing and technology on the Internet is required and an understanding of whether the project will be of interest to the audience;
• if there is no certain knowledge, then you need to hire a project manager.

– a commercial project involves small investments that will pay off in a short time.

Investing in innovative startups is a profitable solution. You can find ideas on a special exchange, where you can also publish your startup. Napartner is the first exchange that united thousands of people from all CIS countries. Among the participants there are many successful people, entrepreneurs, managers, directors and heads of successful companies. Goals of this project:

1. help any startuper find funds for his project in the form of contributions;
2. help investors place their funds in profitable projects and receive income.

Why is investing in Internet projects so attractive to investors of any category? Because a person who decides to engage in this type of investment is not required to:

1. Connections with the “right people”;
2. Availability of large capital to start construction of the project;
3. Higher education and professional knowledge in the field of investing.

Investing in the Internet is available to everyone, regardless of gender, age and social status.

Investments in information sites

Speaking about where you can invest money, do not forget about information sites that are gaining momentum. Good, high-quality websites with an active audience in large numbers are expensive, but they also bring their owners good money from advertising. Here is an example of a site that is sold on the exchange:

As we can see, it brings in 31,800 rubles per month, is sold for 1,281,250 rubles, but its optimal price is 1,050,000 rubles. Payback in 2 years maximum. This is despite the fact that it was not even actively monetized. I know the seller of the site. Having purchased 3-5 such sites, you can continue to develop them and earn good money. In a year or two, the site will pay for itself and will generate net profit and constantly increase in price.

I invest in the purchase and development of websites. True, I’m not buying for millions yet, but there were lots for tens and hundreds of thousands.

You can do your own PR for the group, or you can invest money in special programs or hire a professional in this matter. Once there are enough people in the public, you can start advertising. A day of advertising in groups with a large number of subscribers costs approximately 2-3 thousand rubles. It is not difficult to calculate the income from such an investment.

Investing in smartphone apps based on iOS or Android

One can profit from apps that provide services and assistance. Contributions to applications where useful information on one topic will be collected will also bring income. You should not lose sight of the products that sell, any product or service.

Investments in endowment life insurance

This product combines two areas: saving money and insurance in case of illness, death, accident, or survival.

The term of such a contract is usually 10-35 years. This method is good for achieving a goal that costs a lot of money. For example, buying real estate, education, etc. Can also be used as a pension payment. By the end of the contract, you can receive the accumulated amount and income from the investment. But most likely, this income will not increase funds, but will only compensate for the level of inflation.

You need to carefully study offers from insurance companies and weigh the pros and cons.

Disadvantages of investing in NSZH:

1. Insurance protection is valid after the first payment. In other words, the period does not matter if the insured event has already occurred. The entire amount specified in the contract will be paid;
2. upon the occurrence of an insured event, payments are not subject to taxes;
3. the profit received from insurance is not subject to confiscation, division in the event of divorce, or recovery by court decision.

Advantages of investing in NSZH:

1. payments are systematic - once a quarter, month or year;
2. there is a risk that inflation will eat up all income by the end of the insurance period, and you may even end up in the red. The best solution is insurance pegged to the euro or dollar.
3. You cannot withdraw funds before the due date without loss.

The method is well suited for diversifying an investment portfolio with good funds.

Investing money in personal development

This type of investment involves income without losses. Risks are reduced to a minimum. The benefit is 100%, and anyone can invest money in training.

To do this, it is enough to sign up for all possible courses, trainings, seminars to gain knowledge and study foreign languages. It is important to apply all acquired knowledge for successful professional activities.

It would be good to choose teachers who themselves are excellent role models and are happy to share not only theory, but also their own experience.

Only these people will provide up-to-date knowledge, and not standard and sometimes outdated schemes. Without competent investment in yourself, other types of investments lose all meaning.

Contribution to health and beauty

Psychology says: beautiful people are much more successful than not beautiful people. This is easily explained, because everyone wants to communicate and start any kind of relationship with people with good looks. It is only then that everyone looks into the soul and evaluates mental abilities.

To maintain external and internal beauty, you need to pay great attention to health.

You should not skimp on food, quality medicines and clothing. Whenever possible, you should avoid activities that are bad for your health and put your life and quality of life at risk.

To invest in beauty and health, it is enough to buy subscriptions to the gym, swimming pool, beauty salon, sauna, massages.

This is one of the most useful investments, it can bring profit many times over for the rest of your life. There can be no downsides to this investment method.

Investment in your own name and reputation

In finance and business, people often refer to specific individuals and evaluate them: this person is reliable, but this one has a so-so reputation.

Reputation is the most important asset. After all, people who are well regarded by others are more often entrusted with large sums of money and handed over serious business projects.

Business people dream of becoming famous. After all, where there is fame there is money. The name will work for the entrepreneur.

To get a good reputation at an individual company, it is enough to show punctuality, initiative, honesty and attentiveness to others.

So, gradually such a person will be asked for advice, offered money for knowledge and invited to speak at events. These are the first signs of a name working for a person. If you don’t stop, after a while you can get money just for mentioning your name.

The only disadvantage of this investment is that if handled ineptly, you can instantly lose a good reputation that has been built up over the years.

Investments in your development

Questionable investment methods

Hype projects

These are pyramids and they promise investors quick earnings in a short time. Many will say that this is a scam. However, everything is completely legal and if you withdraw your deposit on time, you can stay in the black. The more interest a HYIP project offers, the shorter the time it exists, and the higher the risks.

Buying cryptocurrency

This is an unusual way of investing. Cryptocurrency was invented in the West as an alternative to the usual currency, which the state later began to issue. In Russia, such currency is considered illegal, therefore, investing in this area is an illegal activity.

Such virtual money is received using the following methods:

• mining - by calculating blocks. This uses the computer's video card;
• exchanging traditional currency for bitcoins.

The exchange of cryptocurrencies (one for another) can be done on special exchanges.

Today there is no demand for bitcoins, and everyone is selling them cheap. However, it may also happen that virtual money will come back into fashion. But the risk is very high, so it is reasonable to invest 1-2% of the entire investment portfolio in bitcoins.

Contribution to position

Another, one might say, illegal way of investing. In Russia, a position is one of the fastest ways to make a profit in a short period of time. People buy warm places to enrich themselves illegally.

It is better not to consider such deposits, because they are illegal. But they exist, so we’ll tell you more about them.

What is the essence of such an investment? There are people who sell positions in government and commercial institutions, and there are people who buy these positions and try to make their money back as quickly as possible. And to do this, they take bribes, offer services within their competence for a fee, or cut the budget intended for some government project.

Payback occurs within the first days of taking on a new position. The negative aspects for a fraudster are the risk of criminal prosecution, moral anxiety and mental anguish.

Deposits in online casinos

There is enough advertising for online casinos on the Internet. You are promised mountains of gold and easy income. There is such a scheme: place a bet, lose and then the bet will increase, again bet on the same color. Always bet on the same color until a certain Martingale law works. As soon as the casino allows you to win, you need to change the color and again act according to the scheme described above.

The main rule of any online casino is to play no more than 2-10 minutes a day. If you play longer, you can lose everything. It’s not as easy as it seems; sometimes it’s impossible to stop, because the mind is overshadowed by passion.

Why you shouldn't invest money here

Again, I repeat that I only speak my personal opinion and do not impose it on anyone, otherwise people will appear who will say that I am limiting your income)) Well, there you go!

I DO NOT recommend investing in binary options, HYIPs, pyramid schemes, sports betting, online casinos and other gambling attractions.

Now I'll tell you why I think so. After all, there are people who make good money from this. All these earnings do not depend on you! But I don’t like it when I’m just an outside observer and if my money goes down the drain somewhere, then I can’t do anything about it.

Secondly, I am a webmaster and I know that many who promote these types of income make money from YOU. They simply refer you through an affiliate program and earn both for the referral and receive a percentage of the money you spend. Believe me, commissions in such niches are good and affiliate earnings are quite high!

Here is an example in the screenshot, where the Alpari affiliate program pays 61 rubles for registration, and 1600 rubles for an active user. Those. As soon as you register on someone’s recommendation, top up your account in the system and start investing, your partner will be paid 1,600 rubles for you. But no one cares whether you make money there or lose money.

This is just one example, but there are a lot of them on HYIPs, pyramids, betting, casinos, etc. Some webmasters deliberately come up with stories about how they make good money from this so that you register using their links. Well, okay, I have nothing against webmasters, but I wouldn’t invest in the above.

Regarding sports betting, I want to say this. Although I have a friend who makes good money from this, I still do not recommend this instrument for investment, because it then loses just as much. Although he is a good businessman, there is nothing wrong with his head, but the excitement is addictive. Plus, in this matter, the main thing is to find high-quality forecasts, and not the forecasts of scammers.

How to make your own savings work and make a profit? And so that the risks are minimal. Let's look at the main mistakes of a novice investor.

Haste in making a decision

The investor receives a very advantageous offer, quickly agrees and makes a profit. He gets excited and then mindlessly accepts such offers. As a result, you are left not only without profit, but also without initial capital. You should not quickly agree to the proposals of even the most reliable person. Emotions are inappropriate here, only cold calculation and strategy.

Inability to accumulate capital and build a portfolio

The first profit is a great joy for a new investor. But you should act wisely and make plans for future investments. It is important to learn how to compose a portfolio according to all the rules, and use more and more income from assets to create it.

Someone's mind

Often, having a large amount of money, a future investor is afraid to start and listens to the advice of friends or information on the Internet. Undoubtedly, it is necessary to use all available information. But it is much more important to form your own opinion based on all the data and build a plan yourself.

How to store money so that it does not depreciate

Currency

Some people prefer not to invest money, but at least save it so that it simply does not depreciate. You can invest money in foreign currency. Due to the current unstable situation in the country and currency fluctuations back and forth, I keep my money in different currencies. In this way I compensate for the fall of one by the growth of the other. In the end, I will always save my money.

I try to keep my money in this percentage: 35% in dollars, 35% in euros, 30% in rubles.

I'm talking about free money that is waiting in the wings to go into circulation.

Bank deposit

You can simply invest money in a bank at interest. I use two banks:

• Sberbank (simple accounts)
• Tinkoff Bank (money is stored on a debit card and interest also accrues on it without opening a deposit)

Now you know where to invest money and where it is better not to invest. Happy investment!

One of the priorities of an independent person is obtaining income expressed in monetary terms. Such income (if it comes from other taxes and expenses) can be active or passive. In the first case, in order to receive his money, the employee performs certain actions in accordance with the requirements of his direct supervisor. The second option implies that income is the result of correctly made investments (investments) in a project or business.

Investing money in Russia is invariably associated with risk: there is a high probability of losing it, if not due to the actions of individual scammers, then as a result of another “surprise” from the state. Therefore, a citizen thinking about where to invest money should especially carefully choose sources of income. The safest and most promising of them will be listed below.

The most profitable investment today

First of all, the future investor needs to decide which investment object is most interesting to him from those available today. There is no point in investing in a project, even the most fashionable one with an impeccable reputation, if it is incomprehensible or unpleasant: the only result of such an experiment will be an obsessive desire to quickly “recoup” your investment and get out of the game.

Advice: There is no need to immediately get carried away by exotic ideas. For example, a person just starting his career as an investor is unlikely to invest all his savings in: such a business is not only risky (animals can immediately get sick and die), but also requires the arrangement of a separate room, which is associated with increased costs. It is undoubtedly possible to make money on a project, but only by having a “safety cushion” or other projects that allow you to stay afloat in the event of a disaster.

So, having defined the goal and abandoned unconstructive ideas, the novice investor must decide where to invest the money; It is best to choose any option from the following list.

Deposit

A traditional bank deposit is, if not the most profitable, then the safest investment. Funds deposited by a citizen into his account are necessarily insured, and therefore, even if the bank collapses, the depositor will receive compensation, albeit not in full. However, cases cannot be ruled out when the only way to restore justice is to file a claim in court, and it is impossible to predict how long it will take to move from one instance to another; but the chances of a favorable outcome are invariably high.

So, in order to make money on a deposit, you need to find a bank that offers deposits under the following conditions:

• high accrued interest;
• guarantee of deposit security;
• the ability to withdraw money at any time.

Important: You should pay special attention to the last point. If a bank offers an attractive interest rate, but at the same time prohibits the client from using the deposited funds before the expiration of a certain period, such a deposit is not suitable for receiving monthly passive income, although it can serve as an object of long-term investment.

The most attractive for depositors, according to the rating compiled by experts, are the following banking organizations.

No. 1 - Tinkoff Bank. Its main advantage is remoteness: depositors are served only by telephone or via the Global Network. An exception is the delivery of plastic cards, which requires personal contact between the courier and the recipient.

Terms of deposit at Tinkoff:

• interest rate - up to 7% per year;
• the minimum investment amount is 50,000 rubles;
• interest is transferred to an issued plastic card;
• The depositor can replenish the account or partially withdraw money from it.

No. 2 - Sovcombank. It has been operating since 1990 and is among the top 20 largest banks in the country.

Terms of deposit at Sovcombank:

• interest rate - up to 7.6% per year;
• accrual period - once a calendar month;
• the minimum investment amount is 30,000 rubles;
• interest is paid at the end of the deposit term, but is partially retained in case of early termination of the agreement;
• The deposit can be replenished, but money cannot be withdrawn from it.

No. 3 - “UniCredit Bank”. A European organization represented in Russia for 25 years. The largest bank with foreign capital remaining in the country.

Terms of deposit at UniCredit Bank:

• ruble interest rate - up to 8.35% per year;
• dollar - up to 3.23% per year;
• in euros - up to 0.20% per year;
• accrual period - once a calendar month;
• The minimum investment amount is 50,000 rubles.

Important: Current legislation does not prohibit a citizen from having deposits in several banks at once. The main thing is the availability of start-up funds and legally impeccable execution of the contract.

Mutual funds

The essence of a mutual fund, or mutual fund, is the joint management of investments made up of the funds of each fund participant who has decided to invest money in one or more projects. Accordingly, the entire property of a mutual fund consists of proportional parts - shares.

Advantages of investing in mutual funds:

• registration in accordance with current legislation;
• legal protection of each party;
• high liquidity due to the constant presence of assets on the market.

Flaws:

• lack of guaranteed profit, and sometimes the fund is unprofitable;
• the possibility of fraudulent actions on the part of the fund manager.

Despite high liquidity and potential profits of up to 50% per year, participation in It is difficult to call a mutual fund a profitable investment for a novice investor: Depending on the terms of the agreement, he may receive the right to sell his share at any time (open-ended fund), during certain periods (interval) or at the end of a specified period (closed-end fund). The first option is less common and usually carries the greatest risks; A citizen who is thinking about where to invest money in order to make a profit in the short term should pay attention to other, “faster” projects.

Forex

The principle of operation of the Forex market (FOReign EXchange, foreign currency exchange) is very simple: the investor (trader, player) earns money by guessing rate fluctuations in the currency pair of his choice (for example, dollar/euro): buying 1500 dollars for 1200 euros, he can then sell them for 1,300 euros, thus receiving an income of 100 euros - today about 7,000 rubles. In addition to currency pairs, a person looking for a profitable investment can guess fluctuations in the prices of various stocks or precious metals.

Important: to make a profit on Forex, you need to enter into an urgent (10 minutes, three hours, day or week) deal for a fall or rise in the pair’s rate. The transaction can be concluded for the entire amount of available funds (highly not recommended), or for any specific amount. After the specified period, the investor who made the correct bet receives his winnings and a percentage bonus from the broker.

Both the advantage and disadvantage of investing money in Forex trading is unpredictability: Even the most experienced investors cannot say with complete confidence that the rate will go up or down. Depending on the confluence of many random factors, including changes in foreign and domestic policy, a player can receive either a huge profit in one transaction, or be left not only without money, but also with completely damaged nerves.

Advice: You should not immediately invest significant funds in Forex trading. To assess market opportunities, it is enough to invest a minimum of money; then, if the result is satisfactory, the amount can be increased little by little.

PAMM accounts

PAMM accounts (Percent Allocation Management Module, percentage distribution management module) are not much different from mutual funds: the manager (manager) invites people who are thinking about how to profitably invest money to become co-investors in the project; if successful, each of them can receive income proportional to their share in the total capital. The difference is precisely in the control method: the activity of the PAMM account throughout its existence is controlled by one person, who receives up to 50% of the proceeds for his efforts, depending on the total volume of investment and the terms of the contract.

It is difficult to say how profitable it is to invest in PAMM accounts; the amount of income (both total and for each of the project participants) depends on the talents and conscientiousness of the manager, as well as on many random factors.

Advice: as in other cases, a potential investor is not recommended to invest all his money in a PAMM account: even under favorable circumstances, the profit will be relatively small - less than in riskier ventures. It is better to divide available funds into several parts: for short-term, long-term, more and less reliable projects.

Precious metals

Investing in precious metals (gold, platinum, silver) is one of the most popular ways to generate passive income in Russia. A citizen who is thinking about where to invest money can either buy bullion (it is, of course, better to store them in safe deposit boxes), purchase futures, or become the owner of an impersonal metal account. Part of this profitable investment option includes the purchase of jewelry.

The main advantage of investing in precious metals is their consistently high price: if necessary, the investor can simply sell his property, receiving a little less or more than he paid.

Stability is at the same time the main disadvantage of investing: metal prices fluctuate so slightly that a player on the stock exchange simply cannot get a large immediate income.

Advice: Do not neglect the opportunity to invest money in precious metals. In the long term, this will at least create a “safety cushion” for the investor, and in case of serious changes in the market, the probability of which is always different from zero, it will become an important source of income.

Real estate

As with precious metals, investments in real estate are designed to provide the investor with income over the long term. Although fluctuations in the real estate market are usually more significant, you should not expect sharp drops or price spikes. For a person who is wondering where to invest money and has a suitable amount on hand (housing, as you know, is not cheap), investing in real estate is a way to make money not only from the subsequent sale of the property, but also from renting it out. According to experts, the average passive income of a landlord is 10–15% per year. Thus, the payback period for a facility that is constantly in operation is 6–8 years.

Advice: one of the easiest ways to make money on real estate is to purchase a housing certificate in a house under construction. When the property is ready for delivery, the investor can sell it at a higher price or use the document in kind - for example, renting out a new apartment.

Cryptocurrency

Investing money in cryptocurrencies (Bitcoin, Litecoin, Ethereum and others - the range today is simply huge) is a rather risky, but also promising way. In essence, this is the same speculation on the stock exchange: the goal of the buyer of any currency is to buy it cheaper and then, after waiting for growth, to sell it at a higher price; the difference between purchase and sale prices will be income.

Benefits of investing in cryptocurrency:

1. Significant fluctuations in the exchange rate, giving the investor the opportunity to sell or purchase the required amount on the most favorable terms.
2. Crypto money can be obtained without making purchase and sale transactions - through mining (using the computing power of a computer).
3. “Transparency” of transactions and transfers of certain types of currencies (in particular, bitcoin), protecting each of the parties to the transaction from dishonest actions of the counterparty.

Flaws:

1. Difficulty of entry. The price of the most famous cryptocurrency, Bitcoin, has risen from a few cents to several thousand dollars in seven years. It goes without saying that it is now much more difficult for a new investor looking to invest money to become the owner of even one Bitcoin than it was in 2011-2012.
2. Unpredictability. Cryptocurrency rates are not regulated by anyone: both sharp jumps and unexpected declines are possible, which can exhaust your nerves no worse than playing on Forex. A person who bought a crypto unit for 11 thousand dollars yesterday will find it extremely difficult to come to terms with the idea that today it is already worth 8 thousand, and tomorrow, according to all forecasts, its rate will drop by another thousand or two. But it will become even sadder when, after a hasty sale at a reduced price, the currency begins to grow actively again, reaching a record 12 thousand dollars per unit. The ability to survive such failures is the main condition for a long and fruitful presence in the cryptocurrency market.
3. High cost of mining. If a person, wondering where to invest money, decides not to buy cryptocurrency, but to get it himself, he will have to spend money on mining equipment; In addition, far from cheap cooling units will be required. We should not forget about electricity bills - the main and only driving force of the process. Of course, theoretically, you can use your own personal computer, but its computing power will not allow you to make a significant profit.

Advice: Investing in new cryptocurrencies may be a more profitable option. While the exchange rate is weakened, there is a chance to purchase a conventional unit at a minimum price; then, depending on the circumstances, the currency may rise, and then the buyer will be a winner, or it may stall - in this case, you will not have to particularly regret the minimum investment.

Starting a business

Another option, at least in the early stages, which does not promise passive income, is to join the world of business in another way. At the same time, it is not necessary to become the owner of the entire business: you can cooperate with acquaintances or friends or buy a share in an already functioning project. It all depends on the imagination and ambitions of the novice investor, as well as on his availability of the necessary amount.

It is completely logical that the main danger of opening your own enterprise is the likelihood of rapid collapse for a number of reasons:

• the young business could not withstand the competition;
• the investor made a gross financial mistake or committed an offense and, as a result, was left without funds or deprived of his freedom;
• The tax burden turned out to be unbearable.

Based on these considerations, a person who never stops thinking about where to invest money It’s better to join forces with like-minded people at least at the beginning of the journey or find an experienced consultant, which will help solve problems that arise during the design, registration and operation of the project.

However, not everything is going smoothly here either: both partners and consultants may turn out to be unreliable, incompetent people, or even ordinary scammers planning to embezzle the money invested in the project. In such a situation, there is no need to talk about profitable investments: after the fraud is discovered, all the efforts of the unlucky entrepreneur will be aimed at eliminating financial problems or finding the person who embezzled the money.

Advice: You should not trust business to strangers, no matter how tempting their offers may be. It is better to use the services of qualified, respected specialists, even if the profit they promised will be an order of magnitude less: the investor can at least be sure that his money will not disappear without a trace, but will work, bringing, although not too much, a stable income.

Investing in yourself

You can go the other way, investing money not in business, precious metals or Forex, but in self-development. In fact, a person who does not have the proper competence, even if he has a good starting amount, will not be able to achieve impressive results, and, most likely, sooner or later he will spend his savings by committing one or more rash acts. To avoid misunderstandings and mistakes, you need to spare no time and money to obtain the necessary knowledge and skills: take training courses, study the topic yourself, purchase special programs and equipment.

Of course, at first glance this may not seem like a wise investment, but a person who has useful information is likely to cope with an unexpected problem or chronic difficulties (for example, the peculiarities of domestic taxation).

Advice: In addition to gaining new knowledge, it would be a good idea for a novice entrepreneur to invest in his own appearance. The money spent will be repaid by the opportunity to successfully communicate with people, which means concluding contracts that are more profitable from a financial and legal point of view, while simultaneously finding permanent business partners.

Art objects

It is difficult to say how much and under what conditions the value of art objects purchased by an investor will increase, be it antiques or masterpieces by young authors. And if in the first case the investor can at least expect that he will return the money spent by selling the painting or statue at face value, then the quite likely outcome of the second is the obscurity of the creator and the losses of the buyer.

To a citizen deciding where to invest money, It will be useful to remember the legal risks of purchasing works of art: they may turn out to be stolen, have a different legal owner, or are completely counterfeit.

Advice: in order to avoid ending up in an unpleasant situation, the investor is recommended to use the services of experts specializing in the desired branch of art history. This will not only help you identify a fake, but also prevent you from doing something stupid when buying a work by a novice author.

What should you not invest your money in?

Theoretically, any business whose organizers do not directly notify potential investors of their criminal intentions can bring profit. The question is the luck of the investor, the legality of the actions of both parties and the prospects of the project. Someone managed to earn income on financial pyramids; For some, investing in completely legal mutual funds or PAMMs may result in ruin.

Still, it’s not worth taking risks, especially with the entire amount at your disposal. A person just starting to invest money is strongly discouraged from spending money on participating in various pyramid schemes that are built to attract new investors.

You can distinguish obviously unreliable projects by the following criteria:

1. The investor is promised too favorable conditions. A profit of 60% per year or the opportunity to get a couple of million for one bet are certainly attractive, but not very realistic. You cannot completely reject the possibility of unexpectedly receiving a large sum of money (what then should you do with lotteries?), but you should not trust overly tempting offers that have no basis.
2. Intrusive, very aggressive advertising. A striking example is the countless online casinos: even people who are not at all fond of gambling are familiar with the creativity of their marketers. To a lesser extent, this applies to financial pyramids: their advertising is often not inferior in reliability to the offers of the most respected banks.
3. Placement of assets offshore. This is also not a 100% indicator, but the desire to minimize the tax burden is not yet a sign of a desire to deceive investors.

Advice: Instead of ignoring offers from seemingly dubious companies, it is better for a potential investor to make an effort and understand the scheme of their work. It may turn out that in reality everything is much simpler and even more transparent, and it is quite possible to make a profit from participating in the project.

How much can you start investing with?

It is impossible to answer the question accurately. It all depends on the field of business chosen by the investor, his prudence and basic luck.

The amount that most modern experts advise to focus on is 100 thousand rubles. It is quite enough for investing in works of art, precious metals or cryptocurrency. Having accumulated more, you can try your hand at real estate transactions or open your own business.

A smaller amount is also not a problem: its owner can easily open a bank deposit, conduct a couple of transactions on Forex, invest money in gaining knowledge or improving his own appearance.

Every investor (both beginners and those who have been investing for quite some time) needs to keep a few simple tips in mind:

1. It is important to take care of the “airbag”- money that can be used in case of loss of invested funds. The recommended amount is equal to the average expenses of the investor for six months. For example, if a person spends 50 thousand rubles a month, the airbag should not be less than 300 thousand. Where to get the necessary money from, the investor must think for himself: it is unlikely to help, but saving a certain amount from each salary is completely realistic.

Advice: the “safety cushion” can not just be stored at home, but placed on a long-term deposit, preferably with the ability to withdraw funds as needed.

1. No need to invest all your money in one business. It is obvious that if the business collapses, the failed investor will be left either without funds at all or with minimal compensation in hand. It is better to divide the amount into three or four parts, at least one of which should be invested in a long-term project. The rest can be disposed of at your own discretion, without forgetting, of course, about caution.
2. Risks must be assessed in advance. Nobody wants to think about unpleasant things, but it’s better to be prepared for a difficult situation (and keep a safety net with you) than to be faced with a fait accompli. A competent investor planning a profitable investment needs to concentrate specifically on the negative side of the matter: otherwise, everything can end not only in ruin, but also in attempts to get out of the debt hole, or even in a real prison sentence.

Advice: You should not neglect consultations with specialists. For an investor, it will be much more painless to spend a certain amount and then imagine all the possible disadvantages and advantages of the enterprise than to try to figure it out on your own, wasting precious time - and therefore money.

Video - where to invest money without risk?

Let's sum it up

Investing in order to obtain passive income is always associated with the risk of losing the invested money, but at the same time it can bring a person a stable profit, the size of which depends on the efforts of the investor, his chosen field of activity and the combination of circumstances.

The main thing is not to forget about the rules of financial security and to assess the prospects, including legal ones, of each transaction in advance: this way, the investor can avoid disappointments and remain in the black, multiplying his savings.

Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂

There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest your money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amount of money you are going to invest: small or large, this article will be as useful as possible for you!

In addition, you will learn:

• What investment options are there, what are their returns and which one should you choose?
• Where can you profitably invest money on the Internet?
• How to invest money correctly so as not to burn out?
• And also about where it is better not to invest your money!

Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.

No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).

You should always remember this, because investments can bring both profit and loss!

Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.

Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.

But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

We will also consider all the pros and cons of each investment option.

Third to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute it like this:

1. conservative portfolio (bonds, real estate, precious metals...) - 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (foreign exchange market, cryptocurrencies...) - 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!

On the contrary, many people strive to receive maximum income, but at the same time completely forget about risk. And as a result, due to greed, they are left with nothing.

Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important rules of investing!👇

2. Where is the best place to invest money in 2019 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest your money so that it generates income!

Option #1: Bank deposits/savings accounts

DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 6% to 8%.

Deposit rates have been falling steadily downward in recent years and are likely to continue to fall in the future.

How to make money on stock growth - Google example

In 3 years, Google shares have grown by more than 100%!

For these purposes, so-called “individual investment accounts” (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).

☝️In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But naturally, there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!

The biggest risk for stocks (for those who bet on their growth) is a financial crisis! The rest of the time, shares generally grow steadily and show good profitability.

Alternatively, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (100 US high-tech companies).

If you do not want to invest personally, then there is an option to entrust your money to professional managers. But I will describe this in detail below.

CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.

Profitability:	Risk:	Payback:	Minimum investment:
15-100% per annum (change in share price + dividends)	depends on strategy	1-7 years	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium/high)	(⭐️⭐️ - medium/high)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal/moderate risks you can get relatively high returns.	(+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold.	(- ) Knowledge required. Uncontrolled risk and “flirting” with the market can lead to significant losses.	(- ) In the event of a crisis, shares can seriously and quickly fall in price.

Option #4: Bonds

DESCRIPTION: Where do you think the big banks invest their money? Mainly in bonds! Yes, they provide a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the simplest instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.

For those who don’t know, a bond, simply put, is an IOU. Only large companies and states can act as borrowers.

? By the way, Sberbank and VTB24 recently began selling national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most bank deposits currently available. Moreover, in the future, deposit rates may decrease.

You can also consider bonds of large, reliable companies - their rates will be higher! For example, on Sberbank bonds the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, you can invest large amounts of money in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.

Bonds, just like shares, can be purchased through an individual investment account (IIA) without having to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.

Profitability:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and above)	depends on bonds (for government bonds - very low)	7-12 years	from 10 thousand rubles
(⭐️⭐️ - medium/low)	(⭐️ - low)	(⭐️⭐️ - medium/low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low yield compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less confidence in it.

Option #5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles per 1 dollar, and you sold dollars.

As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).

You can trade on Forex either yourself or give money to professional traders to manage (this will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.

It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise trading will most likely turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to strategy, then you can actually make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $1, you still need more or less serious investments (preferably from 100 thousand rubles), since even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be that big.

In my opinion, one of the most effective trading strategies on day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!

Among reliable brokers you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore riskier. However, with skillful investing you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and above	depends on the strategy (initially has a high risk)	1-7 years	from 100 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If you have an effective strategy, you can get high returns.	(+ ) Low entry threshold and accessibility.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you don't manage your risk. 99% of beginners lose their money.	(- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period.

Option No. 6: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold...).

That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.

All you need to do is distribute the initial investment amount into parts (preferably at least 5-10) and invest in different managers.

For example, the Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.

At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.

⭐️ About profitability!
The income here can be quite acceptable - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!

PAMM accounts and PAMM portfolios for investments must be assessed based on at least 3 parameters:

• account/portfolio age,
• past profitability,
• funds invested by other investors.

For example, here is one of the most popular PAMM accounts on Alpari:

PAMM account “Lucky Pound” and its profitability (click to enlarge)

💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.

However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.

Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been generating losses over a long period. This is the whole secret of investment!

Read more about how to properly invest in PAMM accounts (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information there!

With larger initial capital, you can work with large stock brokers (for example Finam and BCS), which also provide various trust management strategies.

For example, you can give Finam in trust from 300 thousand rubles. Their website presents dozens of diverse strategies: conservative, moderate and aggressive.

Of course, both brokers and managers also cannot 100% guarantee that you will receive income.

I would like to tell you a few words about the so-called “structured products”.

They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely in specific stocks, futures...), which experts expect will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.

Here is an example of structured products on Alpari:

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Especially suitable for beginners.

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and above	depends on the type of strategy: conservative, moderate, aggressive	1-8 years	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By distributing funds among the most effective managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option No. 7: Own/partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated or simply invested in someone’s business at the development stage.

Another option is to buy a ready-made business or open a franchise business (in this case the risks will be much lower).

Moreover, even if you have a small initial capital, you can still open your own business. Many people have opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and desire!😀

I myself started a successful business from scratch several times! By the way, if you look at the statistics, then among millionaires there are about 70-80% - these are entrepreneurs who started a business from scratch!

✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!

As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«

Read about how to find your favorite job/work of life.

If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s small at first. The main thing in this matter is not to be afraid take the first step!

Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?

Here are some more useful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a service business.

I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂

By the way, goods from China are now very popular, where the markup can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page websites).

Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.

Moreover, in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.

Read more about how to organize in a separate article!

CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	At the initial stage there is a high risk	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest returns among all investment instruments.	(+ ) It is easier for a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business.	(- ) You need to understand business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn.

Option #8: Mutual funds

DESCRIPTION: Mutual funds can also be classified as trust management, which we have already talked a little about.

Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (investing in certain stocks, bonds...).

Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:

Profitability of mutual funds for 11 months

However, mutual funds do not provide a guaranteed profit, unlike bonds and deposits; there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example Sberbank.

If this type of investment is suitable for you, then it makes sense to choose not one mutual fund, but several, in order to distribute possible risks.

And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on forums. With this simple action you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.

Profitability:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average yield exceeds interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as state control of the activities of mutual funds.	(- ) There is no guarantee that you will receive income. There is an additional “commission” (surcharge) for the purchase/sale of shares.	(- ) You will have to pay 13% tax on profits - many other investments have preferential tax conditions.

Option No. 9: Microfinance organizations (MFOs)

DESCRIPTION: Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum period in MFOs is usually 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest money in bonds or in a bank at interest.

If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.

⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.

After all, it is better to invest money in a reliable organization at a slightly lower interest rate than in a newly established MFO with a high interest rate.

Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀

And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉

CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years	from 1 million rubles
(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passive income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in the event of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. Moreover, such investments are highly reliable!

It is especially important to invest money in gold and other precious metals during a crisis, since this is where money migrates from the stock market.

Gold coins/gold bars can be purchased from almost any bank (Sberbank, Gazprombank) or from brokers (for example, Alpari).

Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for a longer term period of 3 years or more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.

The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term for the purpose of preservation.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis the yield is higher)	Minimum	7-20 years	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis.	(- ) Low profitability during periods of economic growth and development. Income tax is 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.

Of course, the best time to invest was a few years ago when Bitcoin was worth around 150-200 dollars.

Some experts say that in the future Bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that Bitcoin is about to collapse. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably increase in price.

Moreover, while cryptocurrencies are showing a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it and yet it is a rather risky investment instrument.

For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for themselves, one thing is clear - it is definitely not worth investing all your money in them!

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If cryptocurrencies grow, you can multiply your invested funds in a short period of time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies; in a matter of days they can both rise in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. There is a complete lack of guarantees - if you lose money, no one will return it.

Option No. 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

The following directions are currently popular:

1. Websites. Information websites are created and filled with unique content.

With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very wide, since the topic of the site determines how much income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.

But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.

2. Social publics. Surely almost each of us is subscribed to some community on social networks (VKontakte, Facebook, Odnoklassniki...).

Meanwhile, the owners of such public sites also earn money mainly from publishing advertising posts. In public pages with millions of subscribers, the cost of one advertising post can be 2-7 thousand rubles .

Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, you won’t have to wait long for success!

3. CPA affiliate programs/traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods/services.

For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.

If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, the main investments here go specifically to advertising.

But in this case, experience plays the main role, without it you can’t go anywhere!

4. Online services. You can also invest money in creating an online service. These include various freelance exchanges, message boards, exchangers...

For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is with the help of exchangers. By the way, you can also purchase bitcoins using exchangers.

Exchangers, in turn, charge a small commission for the exchange (usually 1-5% ). Due to turnover, a fairly decent income is obtained.

5. Applications for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is circulating.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.

Even if you don't know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, the key role is played by the idea - the success or failure of the application depends on it.

6. Hype. HYIPs are in reality a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them is correspondingly several times/tens of times lower.

In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High profitability. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort.	(- ) There is a risk that the project will not take off and will not pay for itself.	(- ) Knowledge will be required. You need to have a good understanding of the key nuances of online business.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad; in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is their very, very high returns, they can bring in thousands of percent!

But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.

Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .

There are basically several ways to invest money in startup projects:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investments are poorly developed in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from $500,000)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible return.	(+ ) It is not always necessary to invest large amounts of money at the start of a project.	(- ) Very high risks, most starting projects turn out to be unprofitable.	(- ) Fraud is widespread - investment platforms can turn out to be financial pyramids.

Option #14: Art objects

DESCRIPTION: Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent profit on investments.

❗️ The only important feature is that such investments often require large investments . And besides, to get a good return you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only become worth more over time.

And the crisis has virtually no effect on the value of art objects.

CONCLUSION: This type of investment is suitable for those who understand at least something about art and are ready to invest money for the long term.

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and above	minimum	usually from 1 to 3-5 years	from 100,000 rubles and above
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - average)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get relatively high returns with minimal risks.	(+ ) High reliability. Over time, art objects only increase in price.	(- ) Often, investing in art requires a large initial capital and involves long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option No. 15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience...).

It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.

I think more than once you have heard stories about how most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of it in your development: attend trainings, webinars and seminars.

One of the most important differences between investing in knowledge is that no one can ever take it away from you. You can lose everything, but not the acquired skills and experience.

For example, in the USA they conducted an experiment: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after just a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t forget that even a bad experience is also an extremely valuable experience! 👍

Profitability:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks/months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn it into money.	(- ) For many, it is difficult at first to motivate themselves to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules of proper investing - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!

First, what I already talked about at the beginning of the article is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.

Instead of investing everything in one tool, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.

If you have very little money, then think about starting your own business.

Second— try to invest most of your funds (40-60%) in assets with the lowest risk; the optimal choice between profitability and risk, in my opinion, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.

Believe me, this is an already tried path on which hundreds of millions of rubles have been lost!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.

It will also be great if you learn to give 10% of your profits to charity.

As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!

I will not consider very risky investment options in these examples. Let's consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. As a last resort, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try investing in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

This is also a relatively small amount by investment standards. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate at the construction stage, then you can invest in it.

— Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.

For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts/portfolios, or invest them in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also advisable to divide the amount into 3-5 parts), gold, art objects...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• With the remaining amount you can try to open a business (including on the Internet).

5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud

At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially nowadays, fraud flourishes abundantly on the Internet (and not only!).

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.

Both on the Internet and in real life, people often come across “super profitable” projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payments, very favorable conditions, etc. - all if only people would invest their money.

Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from other people's greed!

Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.

Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.

I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (it’s not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience was at least a little valuable for some of you and you have already decided where to invest your money! 😀

Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!