Description: when free money appears, it is advisable to invest it somewhere so that it works and makes a profit. You need to do this wisely so as not to waste all your money. So that you do not have to wander in the dark, I have compiled a selection of ideas where to invest money in order to receive a monthly income or make a profit in the long term.
Payment: depends on investment
Requirements: amount for investments (from 1000 rubles), it is advisable to study books on investment.
I must say right away - invest only if you have "free" money. You should not sit on water and bread, expecting to get rich in a month - this does not work. The investment rules are simple:
Therefore, you should not enter the game if you have to put the last savings. As a last resort, use the money set aside for the vacation - in the worst case, you will spend your vacation at home.
If you have no free money at all, try saving 10% of your salary for several months. When you have savings, try investing them.
The minimum investment amount is 100-1000 rubles. This money is enough to try your hand and make your first investment without fear.
Over the years, a set of tips has emerged to help budding investors. Do not dismiss these "common truths" that seem obvious. Listen and do not break them, so as not to lose all the money.
With the help of investments and investments, you can create a passive source of income for yourself. But you need to act gradually and be sure to study a couple of books or courses on investing. Desirable from famous people who understand this matter.
Let's look at where you can invest money to make it work. The article provides several options, so it will not be possible to consider each in detail. Here you will find only basic information, and if something interests you, you can study it in more detail on specialized sites / forums.
1. Bank deposit Is a popular way to save money and increase it a little. The risks are minimal, if any, so incomes hardly exceed the inflation rate.
Suitable for cases when you have set aside the amount of money for a long-term project (buy an apartment, for a university for a child, etc.), and do not want them to lie idle. In this case, you can be sure of their safety. You will not see a lot of money, but if you are still afraid of risky areas, this is a good option.
2. Property Is a classic investment instrument. The well-known rental option, when every month you get paid for the fact that someone else lives in an apartment / dacha / country house. If there is no apartment, you can consider a cheaper option - a garage. This also includes the option with commercial real estate - people do not live, but work in rented premises.
Commercial real estate brings in more money, but there are a lot of nuances to consider.
It should be borne in mind that the room can be damaged, so it is advisable to insure it against various disasters (fire, flood, gas explosion, natural disaster, etc.).
The entry threshold is from 200 thousand rubles or more.
3. Stocks in the stock market- this is already a "serious" investment that can bring a good profit. It is believed that this is a very difficult area and it is contraindicated for beginners to get into it. In fact, everyone can figure out the nuances and make money on it.
First you need to open an account with a broker (for example, good reviews about Otkritie Brokerage House). Find a list of suitable stocks that pay dividends, you can look on the Internet or ask your broker. Select the stocks that suit you and buy them.
If you do not want or are afraid to manage investments on your own, entrust this business to a trader - a professional manager.
There is another way to make money on stocks - speculation. The principle is similar to the basic principle of trading: you buy cheaper, sell more. But you shouldn't start with it, it is suitable for experienced "players".
The entry threshold is 1000 rubles.
4. mutual funds- mutual investment fund. You can purchase a share in the investment portfolio of such a fund (shares). After a certain period of time, you will receive a percentage of the income equal to the size of your share. But keep in mind that the value of a share does not always rise - you can work in the negative.
You can invest a little bit in different sectors and sectors of the economy to increase your chances of success.
Keep in mind that payments do not take place every month, but within the agreed time frame. Therefore, you should not count on a monthly profit.
The entry threshold is from 1000 rubles.
5. Investments in startups and young projects- recently this direction for investments is gaining popularity. You do not have to search for projects on your own and work with unknown persons. There are special sites where you can invest in promising projects.
When the project is launched and begins to generate income, you will receive monthly deductions as a share owner. The amount of payments and their conditions are described on the websites and in the project description.
Keep in mind that not all young startups are successful, and some die before they even start. Therefore, carefully study the proposals, evaluate the business plan and invest in serious projects.
Entry threshold - from $ 1.
6. Money on credit- you can act as a banker and lend money to people with interest. You can offer your services to friends and acquaintances so as not to risk with strangers and not delve into legal aspects. Or open an organization (which is much more difficult).
Choose the interest rate lower than in other microfinance institutions in order to offer favorable conditions to “clients”. Even if there is a 0.3% rate per day, 100% will be released per year. Do not forget about the guarantee of return - conclude a contract or take a valuable thing as collateral (like a pawnshop).
Investments in WebMoney- a great way to implement this idea easier, and not ruin your relationship with friends. If you have a small free amount on your balance sheet, you can offer it to someone on credit. Conditions are negotiated, a percentage is assigned, etc. And you will receive a percentage of the issued amount every month (you assign it yourself). There are situations when lenders do not return investments, so there are still risks. Read more in the webmoney section Credit Exchange.
The entry threshold is from 1000 rubles.
Now you have at least 6 ideas for where to invest in order to receive monthly income or to make a profit in the long term. Follow the basic rules, learn the secrets of investing, and only then get down to practice. In this case, it is better not to rush.
This is the main question that interests business people in Russia. It began to rise especially sharply within the framework of the economic crisis. The unstable economic situation in the country makes one think.
Instability in the financial market pushed citizens to think about where can you invest money in Russia, due to increased risks and lack of understanding of the ongoing changes.
Bonds and shares, only “ securities»Subject to temporary influence. Gold is the most stable currency among precious metals. For several centuries, this precious metal only continues to increase its growth rates.
State banks maintain the value of this area with gold and foreign exchange reserves. Investor, invested in gold, sleeps well, knowing that the price for it will only increase.
Precious metals have some peculiarities, suppose a person decided to invest in gold, went to a banking institution to buy a gold bar, in addition to the value of the goods, an 18% tax will be imposed by the state. When selling bullion, there is no taxation, but no one will return the interest overpayment.
Russians consider gold and silver jewelry to be an investment. This is partly true, but the cost of the product includes the work of a master (jeweler). The second negative point is sales. When trying to sell jewelry, pawnshops accept it at the price of scrap significantly different from the cost of goods.
Acquisition of precious metals is a very profitable direction of investment, you should take into account the minimum threshold of profitability - 3 years. Average income from gold + 20% per annum.
People who are risk averse can afford to invest in bonds. A bond is a business issue, the instrument is designed to receive a fixed income after a certain period of time.
You should not expect big earnings on bonds, call them a profitable investment - the language does not turn out, but how deposit mechanism worth considering.
One of the most profitable forms where you can invest rubles now are “ Stock". Along with high profitability, it is associated with increased risks that depend on external influences.
A share is an equity security giving the statute “ co-owner of a company»Allowing you to count on a part of the organization's profits. The connection is simple, the company develops and flourishes, the package of securities grows in price, the co-owner receives a part of the profit, if the company suffers losses, the owner also suffers losses.
The work is done through brokers. More offers, allows you to independently choose stocks, work out strategies, predict the behavior of indicators. Low threshold for entry, high probability rapid development is constantly attracting new faces to the industry.
The main thing in the investment business- gaining financial literacy. Keeping current projects under control, anticipating market behavior, and capturing the subtleties of the environment are the main components of a competent capital investor.
The term " financial pillow"- 6-month financial reserve, for painless living, without changing the previous state of life. This condition must be met without taking into account other sources of income.
Study investment activities without a certain cash reserve - it is unreasonable. The only exception is a deposit in a banking institution, which for the most part acts as an instrument for saving current savings.
In case of delay in transfer, freezing of the project, risks associated with full or partial loss of allocated funds, there should be an airbag. This is not advice, this is a postulate!
Alexey 32 years old Krasnodar
Time passes, and money depreciates. I started looking for where to invest them. First, I opened an account and started trading Forex. I came to the conclusion that this is not mine.
And here I was right. Look at the course he has now! Cryptocurrency is the future, it is already accepted in stores.
Keeping money at home is the most unprofitable way to keep your savings. Rapidly rising inflation leads to depreciation of funds. And only the right investment will allow you to save the amount and make a profit from it. Where to invest money at a high interest rate without risk?
Opening a bank account is a popular investment method. It is he who is often chosen when deciding where to invest money. This option was used by our older relatives during the existence of the USSR, when there was no alternative. Now a bank deposit can only provide secure storage. You should not count on getting significant profits - small interest will cover inflation at best, so the method cannot be called an investment that allows you to get passive income.
It is more profitable to invest money in mutual funds. They are engaged in trade on commodity and stock exchanges, carry out transactions with real estate. Unit investment fund is a variant of trust management. The money received from the sale of the share controls the company. All operations in mutual funds are carried out by professionals. But if prices fall, then even they cannot stop the negative trend. Therefore, deciding to invest in mutual funds, you should carefully study the company's performance over the past few years and assess the prospects for market development. This type of investment requires the investor to understand the stock market and other economic factors. A significant drawback stopping those who decide where to invest money is the difficulties associated with the process of transferring and receiving funds. If the mutual fund is located in another city, many problems will arise with signatures, documents, translations. In addition, the largest mutual funds have a high minimum investment threshold. Companies that are not in the top ten offer revenues that do not exceed the return on bank deposits - from 3 to 5%.
When deciding where to invest money in order to make money without risk, you should pay attention to investments in MFOs. Microloans are in demand among the population due to the opportunity to receive a small amount of money with a passport. Some companies offer repeat loans after a call to the operator or through a mobile application. Convenience and significant time savings make the market attractive for consumers of the service, and, therefore, profitable for investment. But you should choose where to invest money in order to receive monthly income only from organizations entered in the state register. These are companies whose activities are regulated by the Bank of Russia. By neglecting the recommendation, there is a risk of becoming a victim of scammers. One of the companies included in the state list is Bystrodengi. The MFO offers to invest money in investments at an interest rate that is several times higher than that offered by banks - up to 17%. An indisputable advantage is an individual manager who gives detailed advice on deposit issues. The Bystrodengi company has been operating for over 10 years. The expanding network of offices, rapidly growing financial indicators, positive feedback from investors are achievements that prove the reliability and prospects of investments. MFO "Bystrodengi" offers clear terms of cooperation, simple and fast paperwork, the ability to
Last update: & nbsp 02/18/2020
Reading time: 22 min. | Views: 15522
Good afternoon, dear readers of the financial magazine "site"! Today we will talk about investing. We will tell you what it is and what types of investments exist, where to start and where you can invest money.
From the article you will learn:
The article will be useful to everyone who is interested in investing. Both beginners in the field of investment and those who already have experience will find useful information for themselves.
What is investing and what types of investments are there, where to start and how to make investments correctly, where it is better to invest your money - you will learn about this and not only by reading the article to the end.
Not everyone understands that absolutely everyone is engaged in investing in the modern world. In fact, even education is special type of investment, since this is a contribution to the future, because it is a high-quality education that will help to find a good job with a decent wage.
For example, the same principle applies to sports. By exercising regularly, a person makes a contribution to beauty and health. If he is a professional athlete, each training session is an investment in future victories.
Thus, investing reflects the most important rule of human life. It reads: it is impossible to get anything in the future if nothing is done for it in the present.
From here we can deduce the main meaning of investments: they represent mental, monetary, material investments, which in the long term will lead to income in a short or long term.
Unfortunately, in Russia, as well as in the countries of the former USSR, the level of financial literacy is at a rather low level. The result is a lack of correct knowledge about the prospects for financial investments.
Most residents of this region believe that only credit institutions, government agencies, and large companies can engage in investment activities.
There is also an opinion that only very rich people can make money on investments among individuals. In fact, absolutely everyone can engage in investments. It is enough to have a desire, as well as theoretical and practical training.
First of all, it is worth exploring investment concept ... This word comes from Latin in-vestio , which in translation means dress ... It is not entirely clear how the two words are related.
Investing in the economic sense has several definitions. We will give the easiest to understand.
Investment - is an investment in various tangible and intangible assets for the sake of their augmentation.
Investments are made in various spheres of the economy, as well as in the social and intellectual life of people.
Investment objects, that is, the property in which money is invested, can be:
In the case of investment, investments are made once. After that, in the long term, you can count on constant profit.
Investing helps to overcome a basic economic rule. It says that the one who keeps money at home, their amount is continuously decreasing.
The fact is that the purchasing power of available money is constantly and inevitably decreasing. This leads to inflation, various economic crises, as well as devaluation.
Hence follows the most important the goal of any investment , which consists not only in preserving, but also in a constant increase in capital.
It is quite possible to spend a minimum of time and effort to generate income. A similar option to earn money is called. It is to this way of earning that all adequate people strive. Especially it concerns businessmen, as well as moneymakers, that is, people who receive income using the Internet.
One of the ways of passive earnings is investing in any profitable areas ... In other words, a successful investment allows you to count on the fact that in the end you can achieve the main goal of any sane person, which is to spend as little time as possible on earning money.
It turns out that a person will have the opportunity to do what is convenient for him. Ultimately, a successful investment will lead to the fact that there will be no need to go to work every day and spend most of your time ensuring a decent existence for yourself and your family.
Instead of the man himself his capital will work , the investor will still receive regular and stable profits.
Many of these statements are very skeptically... This is quite understandable, given that politics and economics in our country are very unstable. But it makes sense to stop doubting, it is best to soberly assess the opportunities that open up.
Important to remember that people who are insecure in their own abilities will never be able to get rid of lack of money, as well as from the heavy yoke of an employee.
Many people wonder why someone succeeds, while others cannot get out of the debt hole in any way. The point is not at all about the existing talents, high efficiency, excellent. In fact, it all lies in the fact that some people know how to effectively dispose of their funds, while others do not.
Even those with the same initial assets can end up with completely different returns. This is largely due to the cardinal difference in attitudes towards material, as well as personal resources.
Thus, success can be achieved only if the available assets are correctly directed, in other words, they are invested.
Should be kept in mind that what was said applies not only to money and property, but also to mental abilities, energy, and also time.
A smart and profitable investment brings the following benefits to life:
By investing wisely, you can forget about the need to spend a significant amount of time to meet your needs. Do not expect that absolutely nothing will have to be done, it will be necessary to study , analyze , as well as to risk .
Nevertheless, sooner or later, such efforts will give positive result... As it can be stable profit ... At first, most likely it will only be an additional income, but gradually it will be able to become the main .
In addition, invaluable experience will certainly be gained in the investment process. It will definitely come in handy in the future, even if you fail to make substantial money. By the way, in one of the articles we wrote, without attachments.
Classification of forms and types of investments
Investments are heterogeneous. A huge number of their types can be distinguished. Moreover, each of them has unique characteristics.
The variety of criteria according to which investments can be described leads to the existence of a large number of classifications. We will tell about five basic.
One of the most important characteristics of an investment is the object in which the funds are invested.
The following classification is based on this feature:
For investors, it is of great importance for what period of time their funds will be limited in their use. In other words, the term is important, that is, the time for which the money will be invested.
Depending on this feature, the following types of investments are distinguished:
A separate group can also be distinguished annuity investment that can be done for any period of time. Moreover, the profit from them comes periodically.
A prime example are bank deposits with monthly transfer of interest to a separate account.
If we consider the entity that invests as a classification criterion, we can single out:
There are situations when not all invested money belongs to one entity. In this case, they talk about combined or mixed investment.
For example, part of the invested money belongs to the state, the rest - to a private investor.
One of the most important indicators of any investment is the level of risk. Traditionally, it is directly related to profitability. In other words, the higher the risk, the more profit the investment instrument will bring.
Depending on the level of risk, all investments are divided into three groups(arranged in ascending order of the degree of riskiness):
Despite the fact that there are investors who, in the pursuit of high returns, agree to have their investments exposed to high risk, most still avoid high-risk investments. It concerns how newbies and experienced investors.
The solution to the problem can be diversification , which, although it does not help to completely eliminate the risk, can significantly reduce it. Diversification is understood as the distribution of capital among several types of investments.
Depending on the intended purpose, the following types of investment are traditionally distinguished:
Thus, there are several classifications of investments depending on different criteria.
Due to the variety of types, each investor can choose the type of investment that is ideal for him.
Like any other economic process, private investment has its own pros and minuses... It is important to carefully study them before starting any investments. This will help further improve the efficiency of the process.
The benefits of private investment include:
Despite the significant number of advantages, investments also have disadvantages.
Among them are the following:
Thus, comparing Benefits and limitations investment, we can conclude that the pros still outweigh the cons .
Of course, it is up to everyone to decide whether to invest in capital. However, we believe it is better to invest.
For starters, you can use small amounts and instruments with minimal risk.
How to invest money correctly in 5 steps - instructions for beginners (dummies)
Many novice investors are wondering how to start investing effectively. That is why further in the article we give step by step instructions... It will help anyone who wants to take the first steps in investing and thereby achieve their financial goals.
Of course, the initial situation is different for each investor. However, there are general rules that need to be followed, they are useful for all cases and every investor.
To start investing, you need to overcome eight consecutive steps. You shouldn't skip any of them to be successful.
First of all, you should describe your income ... At the same time, the source of income should be determined, how regular and stable they are. In addition, their size should be fixed.
Further evaluated costs , they should be recorded by article. At the same time, they must mark the category of expenses, that is, are they one-off, regular or irregular.
The next item of the financial plan- description of available assets ... It can be automobile, apartment, bank deposits, land and summer cottages, securities, shares in authorized capital etc. It is important to indicate the value of each of the assets, as well as the amount of profit from it.
After that, it is calculated profitability of each asset, which is equal to the ratio of the profit they bring to the value. Most likely, all or most of the assets will be unprofitable or incur additional costs. At this stage, this situation is quite normal.
After the assets are described, it is also important to make a list liabilities ... These can be any obligations - credits, including mortgage, as well as others debts, For example, taxes and insurance premiums.
At this stage, it is important to assess the amount of expenses that are paid for the corresponding obligations. annually... It is also worth evaluating as a percentage the ratio of the amount of expenditure to the total amount of obligations.
The budget should now be estimated by calculating two ratios:
Ideally, the value of the first indicator should be at least 10 -20 percent of the amount of income. If the size of the investment resource has not reached this value, or turned out to be less than zero, before starting investment, you will have to resort to measures of financial recovery of the budget.
In the course of drawing up and analyzing the financial plan, you should be as honest as possible, you should not try to embellish the current situation. It is important in the budget to describe everything exactly as it really is.
It is important to understand that exactly the budget drawn up in this step is basis future financial plan, without which it will not be possible to draw up a quality plan.
Thus, the result of the first step should be an understanding of the fact that where your budget comes from, and how they are spent .
In addition, you can understand how much money remains after making the main payments, as well as how long it will be possible to survive if receipts from the main source of income cease.
For use in case of unforeseen situations, you should create financial reserve ... It should be understood that it is important not only in practical plan, but also in psychological... This reserve gives a very lasting sense of confidence as well as stability.
The realization that a person has a small supply of money in case of unforeseen life circumstances makes life psychologically much more comfortable.
As a result, financial reserve represents an affordable, yet highly effective way to make life more comfortable, as well as significantly reduce stress levels.
In practical terms, the financial reserve provides two functions:
The ideal size of the financial reserve should provide for the payment of fixed costs over a period equal to three months before six months .
The created reserve should be stored in the currency in which the main expenses are paid. In this case, it is best to invest money. to the bank.
You should choose a credit organization that meets the following criteria:
You should not choose card accounts for accumulation, since in this case there is a great temptation to spend funds not as planned. Best to open current or savings account... However, in this case, the interest on the account balance is too low.
The ideal option might be deposit . But you should pay attention that it meets the following criteria:
It turns out that when choosing a bank, the interest rate should not act as a determining condition. But you should pay attention that it is neither the lowest nor the highest among those existing on the market.
As soon as the bank and the deposit are selected, you need to replenish the account to the amount of the calculated financial reserve.
At this stage, it is necessary to decide what the future investor wants to do in life, what to get, what property to acquire. Moreover, for each goal it is necessary to determine how much money will be required to achieve it, in what currency. In addition, it is important to determine by what point the goal should be achieved.
Once the goals have been identified, they should be rank , that is, number, in descending order of importance and priority. Thus, it will become clear where the funds should be directed. first of all.
The future investor at this stage determines what financial risk is he willing to withstand to achieve your goals. Also at this moment it is determined which investment situations will be unacceptable.
In other words, some investors are quite calm about the temporary capital drawdown even by 40%... Others, on the other hand, feel absolutely uncomfortable even if a loss occurs within 10 %.
At this point, it is important to identify the following points for yourself:
Once the above conditions have been determined, it should be clearly stated how investment decisions will be made. That is, it is necessary to decide which points to take into account and which to ignore. In addition, it is important to determine what actions should be followed when certain events occur.
It is equally important to determine how often and under the influence of what to analyze the current investment strategy, as well as under what circumstances it should be reviewed and changed.
At this stage, the strategy developed in the previous step is tested according to the principle "what if?" ... To do this, you should ask yourself the maximum number of questions and answer them as truthfully as possible.
The beginning of the questions should be as follows: what will happen with my investment goals. The second part of the question ( if) depends on the circumstances of the investor's life and is individual for each.
Examples of question endings include:
The result of such testing should be the development of a protective investment strategy. Its main task is to identify opportunities that will allow not to abandon the implementation of the investment strategy, even in an unfavorable set of circumstances.
Many difficulties can be not only indicated in advance, but also insured in case of their occurrence.
At this point, you need to determine:
Only after all the previous stages of preparation for investment have been overcome, you can begin to form investment portfolio ... In other words, only at this moment you can go directly to the investment of funds.
At this step, you will need to do the following:
Many will say that the instructions given are too complicated, it is not necessary to go through such a large number of steps. In fact, only consistent execution of all eight stages can lead an investor to the following result:
Those who manage to overcome these seemingly difficult steps can confidently expect positive results from investments.
Proven Ways to Invest Better Money to Make It Work
There are a huge number of investment tools. Choosing the ideal direction for yourself, you should proceed not only from your own preferences regarding the level risk and profitability ... It is also important to reconcile the investment method with the economic situation in the country.
We bring to your attention the most popular and reliable options for investing money.
- one of the most affordable, and therefore the most popular investment options. In theory, they can bring order 10 % per annum. However, today interest rates in most credit institutions have been reduced, therefore, when choosing a bank for investment, you need to spend thorough analysis.
Bank deposits are conservative investment option... In addition to being the most intuitive way, it is also the least risky.
Among the advantages of deposits are the following:
Consider the most reliable banks with the highest rates.
Investments in precious metals already at the time of the birth of commodity-money relations could bring income to their owners. Traditionally used as valuable metals gold, silver, platinum, as well as palladium.
There are several circumstances due to which the price of precious metals has remained at a fairly high level for many years:
In the long run, the value of precious metals is steadily increasing. At the same time, various economic crises, as well as other changes in the economy, have practically no effect on the price of precious metals.
According to statistics, only over the past decade in Russia, the cost of gold (in rubles) has grown by almost 6 times... At the same time, experts believe that there are no factors that can reverse this trend in the coming years.
There are several ways to invest in precious metals:
The most reliable option is physical acquisition of metal ... But it is worth considering that these are investments in long term. It is unlikely that it will be possible to get tangible profits from such investments in the next five years.
For those looking for a quick income, it is best to open metal accounts ... At the same time, physically, gold or other precious metals are not bought. An account is opened in the bank, to which funds are credited in terms of grams of metal.
Profit can be obtained quite quickly - the amount on the deposit is regularly recalculated at the new value of the metal.
Opening metal accounts Is the safest way to invest in precious metals. This is especially true of banks in which deposits are insured.
Mutual investment funds or mutual funds Is a way of investing, which is essentially a transfer of funds into trust.
The fund invests the joint funds of its shareholders in various financial instruments. The resulting profit is distributed among the participants in the fund. But the founders of the mutual fund do not remain at a loss - they also receive their interest.
The peculiarities of the interaction of the shareholders with the asset manager are reflected in the contractual terms and conditions. It is imperative that the shareholder should carefully study such an agreement. before how to invest in the fund.
The scheme of action of a mutual fund is very simple. Shareholders buy parts of the fund, which are called shares ... The invested funds are placed at the disposal of the manager, who are engaged in their investment.
Managers are interested in getting as much profit as possible, since they themselves receive income in the form of commissions, which are calculated as a percentage of profits.
Shares can be quite simple buy and sell... Therefore, such investments are highly liquid.
Among the advantages of mutual funds are:
At the end of a certain period, the profitability of the fund is calculated. The resulting income is distributed among the shareholders in proportion to the share of each of them in the fund.
Often, the profitability of a mutual fund is approaching to 50 percent... This is almost five times more profitable than bank deposits. On average, the fund's profitability is about 30 %.
One of the most popular ways to invest is investments in securities... But do not forget that working with this tool requires serious knowledge in the field of finance and economics.
For those hoping for long-term profits, investing in the first stocks they come across is far from the best option.
For investing in securities to bring real profit, you need to have serious knowledge in the field of economics or have experience. If there is no such knowledge and skills, you can transfer the capital to an experienced broker for trust management.
When investing in securities, it is impossible to guarantee a profit. However, if the investment is successful, you can get tangible returns. It can reach 100 %.
Moreover, the profit from investments in securities is practically unlimited. Some successful investors have managed to get orders 1000 % in just a few years.
📣 Please note that you enter the financial market through a broker. One of the best is this brokerage company.
Real estate is also a very popular investment option. The explanation is simple - the demand for apartments, houses and even non-residential premises will be always... People need real estate to live and do business. Moreover, such a tool will never completely depreciate.
When deciding to invest in real estate, it should be remembered that its value, as well as liquidity, are determined by a large number of factors. These include, For example, the economic situation in the state, and the regional situation.
There are two ways to generate income from real estate investments:
Rentals acts as one of the types of passive earnings. The owner of the premises receives money, practically without spending time and effort. In this case, property rights are sufficient to generate income.
Sale the property can generate income if its value rises. However, today there are difficulties with the profitable sale of real estate. In most Russian regions, the demand for this asset today is much less than the supply.
However, in some cases, investors manage to earn good returns on the sale of real estate.
For possible ways of investing in real estate, see the video below:
There are several ways to increase your income:
Today the market situation has developed in such a way that experts recommend to abstain from investing in real estate. They believe that the wisest thing to do is to wait for a significant economic downturn.
We have already described in detail about, as well as the pros and cons of this method of investing money in our article.
In theory, it is business investment that is one of the most highly profitable options. In fact, opening a successful company can provide a comfortable future not only for the entrepreneur himself, but also for his descendants.
In practice, the success of a business is determined by a large number of circumstances. Among them are:
According to statistics, most firms go bankrupt at an early stage. Therefore, it is much better to start your own business by buying a franchise. We have already talked about that in the previous article.
You can also invest in a ready-made company. In a separate article, we wrote about, and also brought startups in Russia where you can invest your money.
Are unique innovative projects in the social or commercial sphere. In the future, they have a fairly high level of profitability.
In other words, if you choose the right project for investing funds, you can get a good profit.
But it is worth considering that only about 20 % such projects bring investors real profit... The rest turn out to be unprofitable or require additional infusion of funds.
Investing in various startups is not that difficult these days. There are a huge number of platforms on the Internet where startup owners present their projects, attracting investors.
At the first stage, you can make a minimum investment of several thousand rubles. This will allow you to study the investment mechanism.
Benefits of startups consist in the opportunity to invest in a huge number of business areas. Geography is also almost limitless - you can invest in metropolitan, European projects, as well as those located in the region of the investor's presence, and even those located only on the internet.
The Internet today is one of the most popular and very actively developing areas of business. The specialists working here are called moneymakers .
A huge number of online businessmen are already making money online. Moreover, every day there are more and more of them. you can find on our website.
Investors who dream of becoming online businessmen need to hurry up. You have to take a niche for activity before others take it.
To make money on the Internet, you can use:
This is not necessary. You can also buy a ready-made project created by someone. At the same time, it is important that the resource is as visited as possible. In this case, it will be possible to profit from advertising, affiliate programs, as well as direct sales.
If you decide to create your own project, you should take into account that a non-standard approach is appreciated on the Internet. Make your site as unique as possible. This will attract the maximum number of visitors to it.
In simple words, Forex Is a world market where various currencies are exchanged at freely formed prices.
In principle, everyone who spends time, spends energy and invests can get income in the foreign exchange market. It is also important to choose a reliable brokerage company here. Many successful traders work through this broker.
You can either trade independently or transfer funds to management through PAMM accounts. Details are described in one of the previous issues.
To make it easier to compare the above investment methods, we have summarized them in a table:
| Attachment type | Optimal investment period | Advantages |
| Bank deposits | From 1 year | High level of reliability |
| Precious metals | Long-term - over 4 years | Stable growth in the cost of precious metals |
| Mutual funds | From 3 months | The funds are managed by professionals |
| Securities | Any | Unlimited |
| Real estate | Long-term - more than 3 years | High liquidity |
| Business | Long lasting - several years | High profit |
| Startup | From 6 months | A large number of projects to choose from |
| Internet projects | Any | Active development |
| Forex | Any | Fast payback |
🔔 There is also an article on our site that tells in detail about it - we recommend it for reading.
Poll: Where is the best investment?
Every advanced person thinks about where to invest money.
Demand generates supply, and today the investor is offered dozens of places where profitably investing money can be a profitable idea. Let's review the most affordable and interesting options where you can invest money in 2020, compare their pros and cons, conditions and benefits!
It is this broker who owns the PAMM account trademark, since it was he who invented this system.
Profit in this type of trust management borders at an average level of 4-6% per month or 80-120% per annum considering reinvestment. Moreover, it is reinvestments that allow you to multiply your own profit and allow! This is a very high percentage, despite the fact that with portfolio investments there are practically no risks, and the minimum investment starts from $ 10. As you can see, this is the place where absolutely everyone can invest small money.
Alpari provides all statistics and data on the manager's work, displays his transactions and trading volumes. At the moment, there are PAMM accounts that have been operating for more than 4 years and bring stable profits. Since the trading strategies of managers are different, the profitability of individual PAMM accounts also differs. If the conservative ones bring in 4-6% per month, then the aggressive ones can give it out in one month!
When investing in 10-15 different PAMM accounts at the same time, you reduce risks to the very minimum. If one account for the reporting month brings a loss, then the rest will cover this loss with their profit.
PAMM accounts are available to everyone, from the moment of registration with a broker to investment, it will take no more than 10 minutes.
You will find more detailed information about investments in PAMM on this blog, which is dedicated to them.
pros
High profitability, practically no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.
Minuses
For five years of investment, I have not found any drawbacks. This is a great opportunity to have.
If money is deposited in a bank for safekeeping, it is invested in the stock market for profit. The stock market is a platform where securities, goods and even services are bought and sold. The main sites are stock exchanges. In Russia it is Moscow Exchange- merging of two previously separate platforms MICEX and RTS.
It is not the investor himself who has the right to trade directly on world exchanges, but an intermediary - a broker with an appropriate license. An investor opens a trading account with a broker and through it buys stock assets, such as securities and others.
For me it very profitable type of investment. Not so long ago I tried all the possibilities and am ready to tell you everything in detail.
A binary option is a contract with the condition of an increase or decrease in the price of an asset within a specified period. If your condition is met - the price of the asset rises or falls according to your forecast at the set time, then you make a profit. Everything is arranged so that even a child will understand.
Best of all, I'll give you an example right away:
You can invest in options for periods from one minute to a week, the investment period is set by you. Among the assets there are shares of the largest companies in the world, such as Gazprom, facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. And also among the assets are the assets of the commodity market (oil, gas, gold), stock indices, currencies ...
It's very simple! Only follow the news... If you find out that Toyota sales of a new series of cars starts tomorrow, which means their shares will rise tomorrow. All you need to do is invest in a Toyota stock option with a 1-day or even 1-hour price increase in the height of the day or at the very beginning. If you find out that the tsunami flooded the Toyota plant, then their shares will fall and you can invest in an option on the condition that the price falls.
Thus, you see that you can make money not only on the growth of stocks, but also on the fall. And there is a lot of news on companies every day, and thanks to the large number of assets, you can invest in options every day. It is enough to make only 2 successful trades per day in order to earn more than $ 5,000 per month.
And here's a recent example as a guide:
Step 1 - choose an asset... I selected Facebook stocks for binary options:
Step 2 - Specify the option expiration time and forecast... I indicated the expiration time at 21:35, since it is now 21:25, then I will invest for 10 minutes. In this case, I predicted an increase in the share price and clicked the button UP:
Step 3 - I make a profit... 10 minutes passed quickly, and Facebook shares managed to rise slightly in price:
pros
This is the most profitable investment, in just 5-15 minutes you can get 70% of the profit. Many trades can be made every day. Among the assets are the stock, commodity and foreign exchange markets. Available to absolutely everyone, the minimum investment is only $ 25.
Minuses
High returns come with high risks. A successful investment requires preparation and careful analysis of the asset. Due to the possibilities of super short-term investments, the investor must have psychological stability, have his own strategy.
quite old and classic way. There are different ways to invest in stocks, depending on the company. Average stock returns fluctuate from 10 to 20% annual.
But there are exceptions, for example, Nvidia shares added 200% in 2017.
For established companies, the average growth can be 5% per year. For example, Google is a huge business that has already taken place, imagine what it needs to do to increase its value by 100% in half a year? It's almost impossible. But for a small pizzeria, it is enough to open a couple of new restaurants and conclude lucrative contracts in order to add 500% in a couple of months.
You will be able to see in practice how shares are bought and sold on stock exchanges NASDAQ, XETRA, and other exchanges with a broker (the minimum deposit to open an account is $ 250). There you can, Microsoft and over 1000 other companies from all over the world.
In addition to already established billion-dollar companies, new ones are constantly appearing, whose shares are very cheap, but their potential, like the price, can increase thousands of times. For example, the same Apple when it was a small startup.
If you do not want to risk big money, but want to make money on stocks, CFD contracts are the ideal option - this is trading on the price difference.
There are more than 1000 shares different directions, for example Adobe, Electronic Arts, AMD, Ford etc.
I really like trading with a broker, I have been working with this broker for many years and above you have seen an example of a transaction at the branch of this broker for options.
Now I will show you an example of a stock transaction. In order to buy shares, I went to the trading platform, selected Ferrari shares and pressed the button BUY:
A little later, Ferrari shares rose in price, as did my profit:
At this point, the profit is still floating, as it depends on the share price, which continues to change. To get profit on your account, you need to sell shares, that is, close the deal, which I did:
Now my account has been credited with profit in $73,2 :
It must be said that among the assets of the broker are not only stocks, but also all currency pairs, indices and commodities, energy and others.
pros
Stocks are capable of generating good returns, privileges and can be a long-term investment.
Minuses
The market can be volatile and needs to be constantly analyzed. Although portfolio investments are quite stable even in times of crisis.
Compared to bank deposits investment in the stock market are considered significantly more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment. More voluminous in terms of money and types of companies is the foreign market, where even children know about promotions. are mainly based on stocks. But in order to successfully invest in stocks, it is not enough just to have money to invest, you need to be well versed in business and be able to predict.
Unlike the previous option, the Forex market is poorly suited for long-term investors. For many people, the Forex market has negative associations, but this is in vain, since it is in this market that all the money in the world is collected. And as a rule, where there is money, there are problems. Big and unregulated money has spawned many schemes, but today the market continues to operate at full capacity.
I cannot help but consider Forex as a tool for deposits, even short-term ones (2-8 weeks). Even with a small amount, you can earn a large percentage of profit here, but not everyone can do this, since it is necessary to analyze the economies, policies of countries, and monitor the situation.
For example, after analyzing the Japanese economy, waiting for a good moment - a new decision on rates, a new development program ... you can open one deal for 2-8 weeks and get a good profit.
I see Forex not as short-term and fast trading, but as more rare and long-term trades that can bring a large percentage of profit.
By the way, these are the principles used by large traders, banks and organizations.
pros
There is a lot of freedom, a large selection of assets, the availability of information is the same for everyone, low initial amounts.
Minuses
The market can be volatile and needs to be constantly analyzed.
Buy physical gold for future use is one of the long-standing traditions of saving money. And today, gold bars are available for free sale in almost all banks in many countries, including Russia, Ukraine, Belarus. A gold bar can be of different weights, ranging from 1 gram to 1 kilogram. Each bank puts its own price on it.
Note that: Gold has experienced a price boom over the past 15 years, but has been relentlessly losing value since 2012. Today the future of gold, and investment in gold can only be long-term.
This precious metal will not lose its main value, but even a small drop in price can bring losses to the investor, because not only capital is lost, but also time.
For me, gold (as a physical material) is still a dead asset, uninteresting. It cannot be controlled, it is illiquid.
A few years ago, Warren Buffett sold all of his "gold" assets and made the right decision. I believe that in 2020 one should not rush to invest in gold, at least it is worth waiting until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that since 2017, mutual funds dealing with gold have been losing money.
pros
Metals have a certain physical reserve, so there is no need to expect strong drops in price. Metals are a long-term and safe investment. Investing in metals is available to almost anyone with a bank account.
Minuses
The price of metals is highly dependent on different economies. You should not count on a large percentage of profit. When selling gold in a bank, you must pay a tax of 13%, this is the percentage that can be achieved over several years of investment.
Today, the most popular way to save money among Russians is considered to be a bank deposit. It inspires more confidence among citizens than investing in investment funds. Perhaps this is due to the inertia of thinking, because in the days of the USSR, it was possible to invest personal funds only in the Savings Bank.
I would say that people do not invest money in banks, but simply deposit ... The only exception can be very, very large amounts.
Interest income at bank rates is small, on average 7-9% per annum, and the state insures up to 1,400,000 rubles for each deposit against unforeseen circumstances.
Among the most reliable banks:
They offer not the largest, but stable and reliable annual percentages: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are a place where everyone can invest money, but it is difficult to call it an investment. Only a banker can make money in a bank, and a depositor can only keep his funds.
pros
The pros are that the banks are relatively reliable and you will definitely keep your funds safe.
Minuses
7-10% profitability does not justify itself, since the inflation rate is exactly at this level. It is difficult to call it an investment.
Mutual Investment Funds are also one of the types of capital investment where it is profitable to invest money in relation to the bank. Mutual funds are created to attract investment for the purpose of trading on commodity and stock exchanges, as well as real estate transactions. For a long time, mutual funds were the most popular places where not every person from the street could invest money.
A mutual fund can be viewed as a trust management - you buy shares, and your money is managed by a company, as a result of which the prices for shares go up.
The profitability of these deposits is not high; many mutual funds often have losses. For some reason, I never liked such organizations, at a time when now anyone can open foreign publications, look at the portfolios of successful people and buy shares of the same companies. This gives you a lot more freedom.
If you decide to invest in a mutual fund, I advise you to carefully study not only the company itself, but also the market prospects, as well as ask for plans, ask managers about the future market and make sure that they are confident in their actions and know how they will act in different situations.
The mutual fund is managed by professionals, but even they cannot stop the fall in prices. In this case, do not rush to sell shares. You have to wait until they rise in value again. In any case, in order to stay profitable, you need to invest in mutual funds for the long term, several years.
In order to make money and be able to commit, you need to have a solid capital.
For the most part, investments in successful mutual funds start at half a million rubles.
At the same time, it is necessary to understand that it is safer to invest in several different mutual funds at the same time. Also, for a successful investment, you need to understand and understand the stock market, stocks and the current state of the market, and other economic factors.
ETFs (Exchange Traded Funds) are a good alternative. These are foreign counterparts of mutual funds, only instead of shares, their maturity dates, money withdrawal ... there are just shares. You can buy shares of the fund and sell them at any time.
pros
A good mutual fund is highly reliable, as it is regulated by the state. In good years, the profit can be up to 40% per annum. Limited risks depending on the specific conditions of each mutual fund.
Minuses
Lengthy process of transferring and receiving money. If you do not live in the city where the mutual fund is located, then investments will be extremely inconvenient (signatures, documents, transfers). Good mutual funds can have high minimum investment thresholds.
One hundred percent return is not so rare in this free market. But only smart and tasteful investors can sense what may have the greatest investment potential.
The safest investment is investment in famous artists of the last century. For example, Andy Warhol's painting Lemon Marilyn was acquired in 1962 for $ 250. After 45 years, it was sold for $ 28 million. 250,000% per annum.
Among contemporary artists, one should choose the most active ones, who are regularly exhibited in galleries and advertised in every way. Pictures of such artists can rise in price by 100-300% per year, while paintings by famous contemporary artists can be bought from 10-20 thousand dollars. It should be said that the main buyers of art are by no means amateurs and collectors, but financial market players.
Not all investors are versed in painting or artists, but this does not prevent them from making money on it. Such investors attract special consultants that make an objective assessment of the asset, verify the authenticity, accompany the purchase and sale process.
The payback of an Internet business is about a year to two.
If you invest 60,000 dollars in two projects, then in 2 years you can reach a profit of 80-100 thousand dollars.
Now a very popular topic with the creation of sites for the affiliate program of Amazon and the like. Websites are made in English, Spanish, French and other languages for countries with high paying capacity. By placing a small post about a new product or an interesting find on Amazon or another online store, you can easily interest the locals.
You need to invest in the development of a site, or a theme for WordPress, Joomla or other blogging platform. It is necessary to analyze the niche and collect key queries - payment for CEO services. Further, for these requests, you need to order copywriters to write articles in the desired language. It is important to check the copywriter with another person - the editor, they usually charge 10% of the cost of the article. Social networks are best suited for promotion - Facebook, Instagram, or depending on the country.
pros
A successful project can quickly pay off several times and continue to be profitable for the rest of the time.
Minuses
Investments in sites can only be with a full understanding of the matter, preferably with participation.
Right from the example. There is a villa in Greece that is rented to tourists. The villa is large, beautiful, with staff. The approximate initial cost of the villa is about a million dollars. It is rented for 4,000 per week (8 people). It is quite affordable for the company. They clean up every day, the villa already has food and a dozen bottles of alcohol, a heated pool and jacuzzi, a playground, sea views and much more.
Why rent a villa for a million for 4,000? After all, half will definitely go to staff, service, tax ...
Net earnings per month are about 8,000, per year 96,000. It turns out that the payback period of the villa is about 15 years, which is very good for real estate. At the same time, the value of the real estate itself is also growing.
It often seems that real estate is rented out cheaply in relation to its value, but it is actually profitable. Especially when it is passive and reliable income, where it is not scary to invest really big money.
Real estate investments are quite conservative but profitable, especially in times of crisis and asset depreciation. It is especially profitable to invest in real estate in large cities, crowded places and resort areas.
Investing in real estate requires a large investment that not everyone has. But you can start small: invest early in the construction phase. Once completed, the value of the building will increase significantly. Real estate can be very small, for example, a garage, which does not require huge investments.
When purchasing any kind of real estate, you need to consider many factors:
For most people, the words "real estate investments" are associated with the goal of saving money, not multiplying them, so it is important to initially approach this issue very responsibly, to analyze the selected object not from the consumer's side, but from the investor's side.
pros
Reliability, a wide range of offers.
Minuses
Not a high profit, a minority has free money for investment in real estate.
This method of investing money enjoys a controversial reputation among businessmen, but it has a number of unconditional advantages. In order to organize your business, you need serious financial investments, extensive knowledge in the chosen field, marketing research and high-quality advertising. However, there is no guarantee that the project will be successful.
In this sense, the acquisition of a franchise eliminates many problems - after all, the franchisor has already carried out all the research, worked out technologies, invested in advertising and earned the necessary reputation and client base. All that remains is to pay him and use the ready-made developments. In fact, in this case, the investor acquires a ready-made business that has already been debugged before him, and he himself only has to deploy it in a new place.
This kind of investment requires quite serious funds, since most franchises do not start to make a profit from the first day, and, accordingly, require certain financial investments during the period of formation and development. In addition, the costs of buying a large chain franchise can be quite high.
It is also important to understand that such investments are unlikely to be easy to forget - an institution, even opened in this way, will in any case require control by the founder. However, despite all the disadvantages, such investments allow you to eventually become the owner of a business that brings a stable income.
Where to invest money, everyone must decide for himself, because there can be no advice or guidance. If you liked the idea of investment, then invest only in the area that you like best and in which you see the future. Investments can bear good fruit, it is only important to get started.
Where do you invest your money?
