An example of an investment of 100,000,000 rubles. Options for investing a million rubles. Why big investments are good

Every person who has a certain amount of money in his asset thinks about how to increase his capital and make money work for him. Today we will tell you how and where to invest a million in order to earn and increase your money.

Many citizens who have been able to accumulate or earn such an amount of money will probably have a question: “Why do you need to invest money somewhere?”. The answer lies in the economic processes taking place in any country. Everyone knows such an economic concept as inflation, which means the depreciation of money.

In the case of inflation, there is a high probability that a million rubles, which simply lies without use, will gradually become not such a significant amount. Therefore, care should be taken not only to preserve them, but also to increase them.

There are quite a lot of successful investors in the world who once also took their first step towards investing. On their way there were both successes and defeats. It is easier to learn from the mistakes of others, but in order not to make them, it is very important to remember the basic rules of investing.

They are as follows:

TOP 10 ways to invest a million rubles

The best idea 💡 2018 —

Before you look for ways, how and where to invest money, you still need to decide on the purpose of investing. The fact is that short-term deposits are completely different from long-term ones. The desire to make a quick profit increases the risks associated with capital investments. Long term investments are more reliable.

If you need to turn money around in the short term to generate income for a certain item, you can use more aggressive investment methods. If your goal is a constant passive income, use conservative investment tools.

So, the most common methods are:

2. Bank deposit.

4. Purchase of precious metals.

5. PAMM accounts.

6. Equitable lending.

8. Acquisition of shares.

9. Investment in mutual funds.

10. Invest in yourself.

As soon as it comes to saving money on a large scale, the average citizen of Russia immediately thinks about acquiring real estate. And this is the most common way to preserve and increase capital.

One of the basic needs of every person is to have their own land, a roof over their heads, to have their own housing. Real estate will always be in demand and be a reliable way of investment.

As a property owner, you can make a profit in such ways as:

• Rental income;
• Profit from the sale.

Renting is the most common form of passive income. You can rent an apartment by the day or for a long time, while earning income without much effort. Despite the fact that the apartment is used by an outsider, the property is yours. You can sell it at any time at a more expensive and favorable price for you. Rent plus the difference in cost equals the net return on investment.

Another way to make money on real estate is buying and selling transactions. In this case, the following schemes are possible:

• Buy property. Wait until it increases in value. Sell ​​real estate.
• Buy property in a satisfactory condition. Make repairs. Sell ​​the property at a better price, which includes the cost of repairs.
• Buy living space at a time when the house is just being laid or under construction. After putting the object into operation, sell the property at a high price.

And everything seems to be fine, but during periods of economic downturns, any real estate falls in price. And until the crisis passes, it will give a low yield. At this time, it is better not to sell real estate and make a profit only through rent.

It should also be emphasized that you need to deal with a reliable developer who has an impeccable reputation. This will protect you as much as possible and save you from losses.

As for the acquisition of land, it is important to navigate in directions and know promising areas. The land itself can be worth more than any house, cottage, and so on that is on it.

From year to year, the price of land is growing. If this site is located close to the city, where it is soon possible to build real estate or land in the city itself and it is planned to improve the infrastructure in this area, feel free to take on this business. You can sell it at any time at a bargain price.

investing in information sites. Become the owner of an online magazine! Return on investment is about 20 to 80% per annum!

Bank deposit

This type of investment remains the most reliable way to increase capital. A bank is a great option for long-term savings. All deposits of individuals up to 1.4 million rubles are insured without fail. So the state protects the interests of the depositor.

But still, it is better to invest no more than 700 thousand rubles in one bank. It is this amount that the depositor can receive as insurance compensation. Yes, and you need to choose a bank that is in the TOP-10 most reliable banks in the country. Thus, you will provide yourself with emotional peace of mind, because, as a rule, these financial institutions have state support.

Of course, it is difficult to call such a method of investment profitable, but it can be affordable. The maximum that the bank can offer you is 10-12% per annum. Of course, by investing a million, you can earn 100,000, but in conditions of inflation, the real income will be much less than this amount.

When making deposits, it is necessary to study all the conditions in advance. The more freedom of action the bank gives to the depositor, the lower the percentage of income. Of course, when making a deposit, the bank places the main emphasis on the interest rate on deposits, but this is not the only indicator of profitability.

The total profit also depends on:

• the possibility of replenishing the deposit;
• interest capitalization;
• conditions for closing an account.

This type of investment is the most common throughout the world in terms of profitability in a crisis economy. By transferring money from one currency to another, experienced investors have the opportunity to get a good income even in a few weeks.

But those who are going to invest in foreign currency need to know:

• if you are willing to take risks, you can make deposits in dollars and euros. It is important when concluding an agreement to keep track of forecasts for this currency. Its value will vary from the world price of oil, as well as from the overall picture in the global political arena.
• A promising investment would be the purchase of dollars and euros in order to sell them next year, when the appreciation is expected.
• a more conservative method would be to invest in the most stable currencies such as pounds sterling, Chinese yuan or Swiss francs.

Buying precious metals

For far-sighted people, investing in precious metals is a priority, because. such metals are not dominated by inflation.

This is a proven option for accumulating and earning money, but there is no need to talk about quick profits here. You can analyze the upward trend in prices for a certain precious metal over 3-5 years and decide for yourself which option to invest in.

Unlike investing money in any business or real estate, the option of investing in precious metals is distinguished by its availability. You can at any time go to a bank that has a license to carry out this operation and purchase an ingot available to you. In this case, your purchase will be accompanied by a document confirming the authenticity of the metal and its estimated value.

Precious metals are those metals that are used in the manufacture of jewelry. These include silver, gold, and the platinum group metals (platinum, iridium, rhodium, palladium, osmium, and ruthenium).

Ways to buy precious metals:

• purchase of ingots;
• purchase of coins;
• buying antiques from these metals;
• purchase of art objects from precious metals;
• purchase of securities backed by gold;
• creation of an unallocated metal account (OMS).

If you decide to purchase a gold bar, it is important to know that you will have to pay a 13% tax if you decide to sell it soon. But after 3 years, the tax on the sale of gold is not levied.

With the purchase of coins, the situation is simpler - their sale is not taxed, but finding a buyer for them is much more difficult, especially if the coins are not collectible.

Creating an OMS is the most profitable way to invest money. With an increase in the price of metal on the exchange, the client automatically receives a profit. At the same time, he does not store precious metals under his pillow and does not contact with him at all. He simply transfers money to a bank account, buying a certain amount of grams of the precious metal.

The advantages of opening an MHI are the accrual of interest, as with a deposit, as well as tax exemption (VAT). But weighing these pluses, you need to take into account the big minus: CHI is not insured by a financial institution, which means that in the event of a bank failure, you risk losing your investment.

The best idea 💡 of 2018 is investing in information sites. Become the owner of an online magazine! Return on investment is about 20 to 80% per annum!

PAMM accounts

This service is gaining special popularity today, because the minimum deposit amount is 500 rubles.

A PAMM account is a type of investment in Forex (interbank currency exchange market at free prices). It enables investors to earn money without trading Forex on their own.

The PAMM account operation scheme is as follows:

• the manager opens a PAMM account by investing a certain amount of money in it - this is the manager's capital. Creates an offer - a proposal to conclude a deal, which sets out the main terms of cooperation, as well as a percentage of the profit that he will receive as a reward for managing investor accounts. The manager risks his capital on a par with his investors, which means that his Forex trading is more deliberate.
• using an independent rating, investors study the performance of managers and invest in the PAMM account they like.
• The manager trades on the Forex market independently. He uses both his own capital and the funds of investors.
• Profits and losses received during trading are automatically distributed between the manager and his investors, in proportion to the amounts deposited.

Peer Lending(P2P)

This is a rather complicated investment process that requires good financial knowledge and a clear orientation in this matter.

P2P is one of the methods of lending at interest to individuals without involving a financial intermediary, such as a bank. You are the lender, your customers are the borrowers. They are ready to conclude insured contracts at 1.5% per day. Monthly income from such peer-to-peer lending can reach 50%

Such social borrowing takes place online on the websites of special lending institutions using a variety of lending platforms and credit check tools.

True, a system that provides a platform for peer-to-peer lending takes a portion of every percentage you make. However, you will always have your 0.70% per day. After a certain time, withdraw your deposit, earn already on profit.

All peer-to-peer lending services cooperate with collection agencies. These are agencies that specialize in collecting overdue and bad debts from individuals. Their scheme of work is similar to the work of banks with debtors. As a rule, all problems are solved at the level of negotiations.

This is the most profitable way to invest, provided that you do not invest in a loss-making enterprise.

The amount of 1 million rubles is a great start to start your own business. There are no profit limits in this method. You can double or triple your initial investment, or you can increase it 10 times.

It all depends on the right choice. You should invest money in a business that is close to you, in which you understand. The chances of a high promotion of a business will increase if you feel like a specialist in this field. Although this is also not enough, it is important to finance your enterprise as competently as possible.

Running a business means constant struggle and competition. If you initially feel that you do not have enough strong nerves, firmness of speech, rigidity and strength for constant contact with suppliers, regulatory organizations, employees, and so on, then do not rush to start a career as an entrepreneur and think of a more relaxed way to multiply capital.

If you still decide to open your own business, here are some practical tips from experienced investors:

1. Find your niche in the market with the least number of competitors;
2. Use ready-made business plans, models and schemes for doing business;
3. Start with the implementation of services;
4. Try to do without bank lending;
5. Don't be afraid to start.

Before investing such a large amount in your own business, study the legal side of the issue well and which will allow you to look at the project from the outside, analyze its strengths and weaknesses, and assess possible financial risks.

One of the ways to start your own business is to buy a franchise. This option can be separately identified as an investment, as it involves the purchase of a ready-made business product.

Franchise is the acquisition of rights to use the name, branded products, sales scheme of a well-known company. Known to everyone by McDonalds, Starbucks coffee houses successfully demonstrate franchising in its classic version. An amount of one million rubles allows you to purchase an average-priced franchise and launch your business according to the scheme of the parent company. At the same time, you do not need to invest in a marketing campaign and incur high advertising costs.

The parent company independently promotes its product, and all companies that have acquired a franchise from it successfully use this.

In addition, franchising will save you energy, time and money, as you will receive working marketing schemes, a ready-made business plan, and advertising support. In fact, this is the purchase of a ready-made business, which in the future just needs to be maintained and developed.

The only drawback is the tight control by the parent company and certain financial risks that, in principle, can be found in any business. It should be understood that you are buying only ready-made schemes for a successful business, and you will have to build all further activities and strategies on your own.

Unlike PAMM accounts and a bank deposit, owning a business (with or without a franchise) can hardly be called passive income. But the plus here is huge - there is a possibility of making quick and big profits.

Acquisition of shares

Today, the purchase of securities may well become a source of stable income. In the event that you become a shareholder of a reputable company or enterprise, you can count on profits that will be formed by increasing the price of shares, or by paying dividends on them.

Despite the fact that there are cases when the price of shares has increased tenfold, you should not rely only on luck. This investment tool must be mastered thoroughly. In order not to become bankrupt, entrust this business to a professional trader whose profitability history inspires confidence in you.

The acquisition of shares implies a long period of investment. On average 3 to 5 years. The higher this period, the more profit you can get in the end. The value of shares is subject to some fluctuations - it can both increase and decrease. But, based on the statistics of previous years, on average, the return on investment in shares exceeds bank deposits by 2-2.5 times.

Investing in mutual funds

Mutual investment fund (UIF) is a collection of stocks and bonds . It is an organization that collects investments from a group of people and invests them in stocks, bonds or other securities. Each contributor owns his part of the fund - a share.

At its core, investments in mutual funds are analogous to investments in the stock market (stocks, bonds). All you need is to buy shares of the fund, which already includes a list of securities compiled by professionals. Mutual funds already contain certain stocks or bonds, compiled under a certain category. These can be shares of telecommunications, oil and gas, consumer, etc.

The advantage of investing in mutual funds is that the actions on your part are kept to a minimum.

The block of shares, the owner of which you have a chance to become, can be collected from different sectors of the economy and different countries. This will protect your investments from the influence of negative fluctuations in a particular industry.

Video. Where to invest in 2017?

Investing in yourself

And the most important investment is investing in your own development. Without self-development, building an investment business is doomed to failure.

Self-development is the starting point for success in any business.

Invest in yourself - buy "smart" books, valuable information products, attend useful seminars, courses on investing and earning. You will be able to easily navigate the sea of ​​cash flows and investment whirlpools. With their help, you can quickly figure out where the necessary and effective methods of earning are, and where there is fraud and a waste of time and money.

By investing money in yourself, you will insure your capital against inflation, crises and force majeure for the rest of your life. This is the least expensive and at the same time the most profitable type of investment. Any investor can only dream of such a combination. Investing in yourself is a powerful idea generator and a unique catalyst for success.

Before starting your own business, investing in your own training will be a great start, which will allow you to stand firmly on your feet, avoid possible mistakes and minimize financial risks.

Conclusion

Today we talked about the most popular ways to invest a million rubles in order to earn money. This list is far from exhaustive. There are many more options for investing capital. But it is up to you to decide where to invest money.

Now you weigh all the pros and cons, all the pros and cons. Think wisely about how to find, not lose. After all, your secure future depends on how competently you distribute your finances, in which there are no debts, collaterals and heavy loans, but there is only a steadily increasing income.

Video. Where to invest money?

Relevant and reliable ways to invest money: deposits, gold, securities. Classic and exotic ways to invest a million rubles.

Savings of 1 million rubles. not uncommon for Russians. But this amount in modern conditions is not enough for investing in a big way: in real estate, business, etc. However, there is no reason to despair! In 2016, you can still save and increase your savings if you know where to invest a million rubles.

When choosing investment methods, it is important to exclude the impact of several factors of depreciation of funds:

• unstable foreign policy environment;
• inflation;
• exchange rate fluctuations.

According to the Central Bank, inflation in 2016 is up to 6.6%. In this regard, the key rate of the Central Bank of the Russian Federation was reduced to 10% per annum in rubles. This will lead to a quick decrease in interest rates on deposits, and it will not be so easy to choose a truly profitable and at the same time reliable offer. So where to invest honestly accumulated million rubles?

Keep money in a savings bank

Way: opening a bank deposit

Description: putting money in the bank is the first thought that comes to the citizens of Russia. The main advantage of the method is the safe storage of funds. But it is almost impossible to significantly increase savings at the moment: if the bank is stable and has a high rating of the Central Bank, deposit rates are about 8.17% per annum (Sberbank, Rosselkhoz, VTB24, etc.).

When choosing a deposit, pay attention to deposits with the possibility of replenishment - they offer high rates. It is also recommended to refuse the possibility of monthly withdrawal of interest on the deposit. The income will be insignificant, but the possibility of capitalizing interest (their addition to the amount of the deposit) will help to really increase savings.

To this day, there are a number of banks offering higher interest rates on deposits. But, seduced by the ghostly opportunity for easy money, you can be left with nothing (of course, if the bank was not a member of the deposit insurance system, which you should make sure in advance). Banks pursuing a dangerous credit policy attract the attention of the Central Bank and often remain without a license after a specialized audit. A reliable bank that does not aim to sharply increase working capital at the expense of depositors' money cannot offer a rate higher than the key Central Bank.

Yield calculation: Let's calculate the approximate return on deposits with an investment of 1 million rubles. to Sberbank of Russia. So, the maximum interest rate (7% when opening a deposit online) is offered with a deposit amount of 700 thousand rubles. for a period of 6 to 12 months. Profitability in the absence of investments and expenses will be:

Accordingly, with an investment of 1 million rubles. for a period of 366 days and opening an account online at a rate of 7%, the yield will be 70,144.1 rubles, and the average income for 30 days will be 5,845 rubles.

Securities, stocks, bonds

Way: purchase of securities

Description: The second decision that comes to mind when you want to invest a relatively large amount of funds is to buy securities. But, as the American owner of one of the world's largest Internet advertising agencies, J. Silverman, said, buying securities is a hard way to an easy life. It is important not only to study the market in advance, but also to tirelessly monitor its condition.

Choosing a stable issuer is a very responsible step. Experts say that only 5% of private investors remain in the black by the end of the year, and many lose up to half of their savings. But there are pluses: the return on buying shares is almost twice the inflation. Start small and invest small amounts to learn about the market.

A profitable investment option is bank savings certificates - securities used to store and increase savings. On them, the yield reaches higher than on deposits, and reaches 10% per annum. Also popular is the purchase of bonds - debt securities, a kind of confirmation of an investment deposit, which imposes obligations on the issuer to the investor. Of the advantages - the reliability and priority of payments, of the disadvantages - lower rates due to reduced risks and the inability to participate in the management activities of the company.

Calculation: Let's calculate the income from the purchase of the most popular type of securities - shares. It consists of such components as the difference between the buying and selling rates, as well as dividends. As of 01/04/2016, the cost of Gazprom shares was 153 rubles/share, and on 07/09/2016 the cost increased to 173.52 rubles/share. Based on this data, we can calculate the percentage return:

Yield \u003d (173.52 sale price - 153 purchase price): 153 investment amount * 100% \u003d 13.4%

The annual return on share ownership is calculated using the formula:

Yield \u003d (20.52 profit: 153 investment amount) * (365 days a year: 247 tenure) * 100% \u003d 19.5%

According to the investor's calculator posted on the official website, the price change for the specified period was 13.75%, and the annual rate was 20.94%. One million rubles could buy 6,535 shares, and the income after the sale would be, according to the indicated data, approximately 137,743 rubles. Also consider the dividend yield of 5.79%. An investor can regularly receive dividends or reinvest them (capitalize profits).

Mutual funds - simple and profitable

Way: investing in mutual funds

Description: investing a million rubles in a mutual fund (mutual investment fund) is a simple and quite profitable solution. In fact, the method is not too different from buying and selling shares, but you trust your funds to a management company, for example, a large bank. This makes investments more secure, because they are in the hands of an experienced player.

Of the minuses - the lack of guarantees for high dividends. The method is optimal for those who want to make money in the stock market, but do not have the proper experience. Among the offers of mutual funds is the possibility of creating investment accounts for investing money in stocks and bonds, as well as in specific sectors of the economy (infrastructure, resource, trade, etc.).

Calculation: we calculate the income from the mutual fund of the management company "Opening". It is the difference between the sale amount and the initial investment. So, on January 11, 2016, one million rubles could buy 1017.82 shares at 982.49 rubles. Upon their redemption on 09/07/2016, the cost amounted to 991.17 rubles. Profit can be calculated using the formula:

Yield \u003d 1017.82 number of shares * (991.17 sale price - 982.49 purchase price) \u003d 8834.70 rubles.

From the amount of income, it is necessary to subtract a tax of 13%, that is, the net profit will be 7686.19 rubles. In percentage terms, the yield is 0.8834% for the specified period, or about 1.3% per year.

Investment - gold

Way: investing in precious metals

Description: despite the fall in the value of gold, buying it is a popular way to invest. Important advantages of the method: liquidity (gold is easy to sell), lack of attachment to the country's economy or exchange rates, virtually no risk of depreciation. Investing in gold is also very diverse. You can open an impersonal metal bank account, buy gold bars or coins.

Of the minuses - the lack of security guarantees, because. with home storage there is always a risk of theft, and with banking - bankruptcy of the institution. The fact is that "gold" accounts are not subject to the law on deposit insurance. Do not forget also about the need to pay taxes in accordance with Art. 226 and 228 of the Tax Code of the Russian Federation in the amount of 13%, as well as 18% VAT charged upon closing the deposit.

It is worth giving preference to reliable structures (Sberbank, VTB24, etc.). Their rates are not too impressive - it's not a secret. But it is depersonalized metal accounts of reliable banks that are the most accessible, simple, transparent and safe way to invest in gold, platinum, palladium, etc. At the same time, interest is accrued on urgent metal accounts - an average of 1% / year.

Yield calculation: the profitability is calculated taking into account the current value of the precious metal and the period for which the account was opened. It is impossible to calculate the exact yield in advance due to changes in the cost of precious metals on the world market. In addition, since the end of 2015, there has been a drop in prices.

Let us calculate the profit received in the period from 01/11/2016, when the cost of gold for private investors was about 2738 rubles per year. The end of the period is 09/07/2016 (then it was possible to sell 1 g of the precious metal at 2569.04 rubles). You don't need to be an experienced analyst to understand that losses during this period amounted to 168.96 rubles. from each gram, and for 1 million rubles. more than 365.2 g of metal could be purchased.

Yield \u003d (2569.04 purchase rate at the date of sale - 2738 sale rate at the date of purchase) * 1000000 investment amount): 2738 \u003d -61709 rubles.

You can calculate the yield as a percentage as follows:

Yield = ((2569.04 - 2738) * 365 * 100%) : (2738 * 240 full days of CHI ownership) = -9.38%

When investing in precious metals, it is necessary to constantly monitor the situation on the market in order not to miss the moment when prices rise sharply - the amount of profit will depend on this.

Who does not take risks is not an investor

Way: cybersquatting

Description: the most exotic way of investing, which is still popular, is very risky, but under certain circumstances it can make the investor rich. Cyberscotting is an investment of money in the purchase of "beautiful" domain names. The cost of such domains at auctions reaches hundreds of thousands of dollars, and the cost of their purchase is about 100 - 15o dollars / piece.

The Internet is a constantly and most actively developing segment. Large companies start their own sites and want the domains of these sites to be simple, memorable, catchy. Thus, the domain SEX.COM became the most expensive in history - its cost amounted to 13 million dollars. The domain name is included in the Guinness Book of Records.

How it works? Pretty simple: you find catchy domain names that someone definitely wants but hasn't sold yet. After the purchase, all that remains is to wait until you receive an offer to sell.

True, no one will say even approximately how long you have to wait. There is a slightly more realistic and faster way: by constantly monitoring the market, you can search for newly emerged companies without websites by registering domain names with their names. Without the Internet, a business is like without hands, which means that you will definitely be offered to sell an address that someone needs so much.

Cost calculation: since the method is rather exotic and risky, it is impossible to predict the benefits. You can only be inspired by successful stories. For example, in 1996, American Rick Schwartz registered the eBet.com domain name for just $100, and in 2013 sold it for $1.32 million to Network Solutions.

Interesting: Rick Schwartz is rightfully considered the "King of Domains" as he also sold the domain to Porno.com for $8.8 million. But it was bought in 1997 for 42 thousand dollars. In addition, over the years of owning the site, he has earned at least $10 million from banner ads and user redirects.

Summarizing

Summary table of pros and cons of investments for 2016*:

Way	pros	Minuses	Yield per year
Bank deposit	Reliability Safety	Low interest rates	6,5 – 8,5 %
Securities	High yield	High risk of bankruptcy	about 13 - 20%
mutual fund	professional management Relative reliability	Lack of guarantees of profitability Dependence on the political, economic situation, etc.	about 1 - 1.5%
metal bills	Relative reliability No risk of complete depreciation	Unpredictable returns Benefits depend on market conditions High risk of loss	to 10 %
Cybersquatting	progressive method Obtaining ultra-high incomes	high risk Long wait Impossibility of forecasting Probability of never earning income	cannot be estimated

*Except for cybersquatting data provided for informational purposes only.

In modern conditions, a million rubles is not a large enough amount for serious long-term investments. That is why the primary task is to preserve the accumulated funds, slightly increasing them if possible. Therefore, the bank deposit remains the best way, because the risk of a complete loss of funds is minimal, and the accrual of interest and the possibility of additional investment will allow you to gradually increase capital.

Hello, dear readers of the financial magazine site! Today we will try to reveal the question "Where to invest money." After all, the difficult economic situation in the country's economy makes you constantly worry about your own financial resources.

Therefore, we constantly face many questions, first, where to invest money, to keep and not lose, then where to invest, to earn, to receive monthly income etc.

Detailed instructions: where to invest money so that they work and bring monthly income

If there is even a small amount of accumulated capital, then there is a real fear of losing it. That is why we try to be more literate in matters of investing money, exploring various profitable investment opportunities.

Of course, many of us are far from politics, big economy and state management methods, but this does not deprive us of the opportunity to study the experience of successful people, look at expert advice, determining the best way to invest money to earn income. Such a detailed review of the situation will help determine the most profitable area of ​​investment money at the moment.

From this article you will learn:

• Where to invest in 2019 not to lose— expert advice;
• Where to invest money to earn (to make them work) at a high percentage with a guarantee - the basic principles of investing money;;
• Consider where you can invest money in Russia + real ways to invest money, depending on the amount of money.

Investment rules

1. Where to invest money so as not to lose - 5 basic investment rules 💎

So all the same, how to invest money so as not to lose it and what needs to be done to make it work and generate income? On our site we present the site 5 rules of investing to be taken as a basis. They will be kind to you" table book”, which will help you make the most correct actions to save and save money.

These rules have been developed through experience gained and have been proving their effectiveness for many years.

Rule number 1. Free money

This is the first rule, which says that you can invest (invest) only those funds that are available after the fulfillment of all basic obligations and needs, that is, we are talking about those not taken on credit / debt, etc.

Never take money to invest on credit or duty. It should be understood that subsequently an unsuccessful investment can lead to bankruptcy and limit the ability to return funds at the appointed time.

In addition, an incorrectly calculated economic budget of your own family will cause additional difficulties for you. After all, sometimes emerging domestic problems require an urgent solution.

Remember that private loans, credit debt can not only rewrite your good history, but also spoil the relationship with close relatives, obligations to which will remain unfulfilled.

But if you still decide to take out a loan, then our article on how, even with a bad credit history, will help you.

Rule number 2. Regular income

When investing your own money, it is important to realize that you can only count on the money that you manage to earn in the usual way, without resorting to the results of investments. About where you can earn money without investments, we already wrote in the article.

Divide these income items into 2 parts, one of which constantly increases capital, remaining intact, and the second ensures personal existence and is replenished monthly from stable sources.

Rule number 3. Investment Plan

Make it up in advance, defining clear parameters. Consider all your possibilities and ways, try to choose 2-3 types of investment. At the same time, it is important to understand that the actions you have planned can be adjusted taking into account the changing economic situation in the country. That is, the built investment plan should be flexible and relevant.

Try to make sure that all available funds are not invested in one single project (investment method). The greatest efficiency will be the investment of funds in several projects. Even if in some area it will not be possible to achieve a profit (there will be a loss), then other types of investment will correct the situation.

Rule number 4. Don't waste your profits

This rule says that the money earned should form and increase your capital. Many experts advise to quickly withdraw the money earned from investing in other investment objects.

Form your own investment portfolio and look for new most profitable sources of investment.

Rule number 5. Control your money

Try to be interested in the movement of your own funds and assets as often as possible, paying attention to even minor nuances. This will avoid a lot of mistakes and problems, and will also allow you to make the right decisions on investing your money.

In addition, you should be very careful with dubious and super profitable investment proposals. Carefully check all possible information on these types of investments.

It should not be forgotten that cases fraud have become much more frequent and it is not always possible to immediately determine the veracity of the intentions of the company / person.

Find out about the company that plans to work with you. Look through various reviews on the Internet and learn from the experience of other people who have a history of investing in it.

Try to make preliminary calculations, pay attention to the totals. Too fast and high profit should alert you.

By remembering these simple rules, it will be easier for you to navigate your own capabilities. It should be understood that only a thorough study of the situation and the proposals received will help you become a more competent investor.

We are used to trusting the words of our friends, parents, relatives, but the situation changes daily and yesterday's profitable deposits can turn into a risk of loss today. That is why you should count on your financial literacy .

According to experts, the income we receive monthly must be divided by 3 parts:

• main- this is the money that is spent on buying food, clothes, paying housing expenses.
• funded - it is approximately 10% from the amount received. Here, expenses are assumed to be for the purchase of a car, a trip on vacation.
• working- the entire remaining amount, which can be disposed of at your own discretion. It is she who is the source of future investments.

As you can see from the diagram, there is little money left for investment, but it is they who are able to increase many times with the right approach.

Even if a situation has happened in which a very profitable project has fallen into your hands, and there are not enough own funds for it, try to find other investors / co-investors. By joining forces, you will create a common fund, which in financial language is called pool, thereby giving a start to the business itself to receive higher interest.

These situations are not rare and people very often seek to find like-minded people who have a cash reserve. The general idea is able to give an incentive, and the raised capital is a good return.

2. Where to get money to invest it profitably - tips 📑

Sometimes it seems that the very word " Investment"implies a large financial amount that is difficult to immediately find. (Our article "" to help you). That is why we try to put banknotes in a box, keeping them at home until better times.

In fact, this position unfaithful , because any free money should work for you, attracting new financial resources. If we talk about such a method as preserving and increasing capital with the help of a bank deposit, then the initial amount of investment can be 1000 rubles.

It's just important to choose the right bank deposit and the terms of its use. Read about what happens in a separate publication of our magazine.

Yes, buying currency, precious metals, art objects, and even more so own business will require a larger amount from you. But here, too, there is a way in which you can gradually collect the missing finances.

Firstly , teach yourself to save. Try to shop the right way, creating your own benefit. We recommend reading the article - + expert advice "

And secondly set aside monthly10 % from the income received preservation. Thus, you will create a clear structure for the distribution of funds and in a few months you will come to the intended result.

Profitable ways to invest money so as not to lose, save and earn

3. 13 ways to invest money so that it works and generates income 💸

Let's try to consider the most relevant options for investing your own money, determining their advantages and disadvantages.

Method number 1. Bank deposit (in which bank is it better to put money at interest)

This is the most common way that is available to anyone who wants to invest their money. Its whole essence is that an agreement is concluded, on the basis of which all the funds you deposit are not only kept for a certain time, but also multiplied according to the specified rate.

The investor (depositor) acquires confidence in that he will receive income, the amount of which can be calculated in advance. This method of working with money is beneficial for both parties.

Method of investing money No. 1 - deposit

You replenishing the deposit, you work to increase it, and bank, taking money, conducts a lot of operations that give him their benefits.

So, your contribution is under 10% is given for a loan with debt obligations to another client in 20 % and, exactly one year later, the returned money will make a significant difference (income) to this institution.

You can choose the most optimal deposit for yourself either on your own or with the help of a consultant who always focuses on the offers that are relevant in a given period.

Another significant advantage this method can be called deposit insurance introduced recently in connection with the regular bankruptcy of credit institutions. Your contribution is now 1,400,000 rubles is subject to compulsory insurance, and hence return in any case by the state.

That is, if your investment amount exceeds this specified threshold, then you can split the money using the services of several banks.

Despite these positive aspects, there are also significant minuses . So, initially, for invested funds, the smallest percentage of all investment methods is set and can be from 0.1% to 9%, which varies depending on the terms of the proposal.

In addition, the unstable financial situation in the country leads to constant depreciation of funds(inflation). But, even in this case, your small profit will allow you to avoid significant losses, keeping your capital at the same level.

Which bank is better to put money at interest in 2019 - expert opinion

When deciding for yourself which bank is better to invest your money in and where to open a bank deposit (deposit account), we recommend that you familiarize yourself with the TOP- 5 banks of the country, paying attention to the reliability rating of these banks.

The bank is more reliable if the main shareholder (controlling stake) is the state. It is unlikely that the state will be interested in the bankruptcy of its own banks.

Reliable banks include for example, such giants of the banking sector as Sberbank, VTB, Rosselkhozbank and some others.

So, the TOP 5 banks in which you can safely invest money at interest:

1. "Sberbank";
2. "Rosselkhozbank";
3. "VTB 24";
4. "Gazprombank";
5. "Alfa Bank".

The reliability rating of banks changes slightly over time. But the first 3 (three) jar are almost always in their places, as these are large banks with state financial support, that is, reliability is at the highest level in the country. Here you can choose a deposit with replenishment, capitalization of interest, as well as prolongation. About that, you can read in one of our publications.

Method number 2. Investing in mutual funds

People who are somewhat familiar with stock exchange, shares, bonds and work with securities prefer to invest in mutual funds (mutual funds).

In fact, this combination only sounds complicated, but it has a simple basis. It represents collective investment of funds and their further management. All money is collected in a common fund, and then, with the help of a professional manager, is directed to the chosen method of use.

The principle of operation of mutual funds

AT most In our own way, we ourselves very rarely have real information related to the economic performance of even the most successful organization. Therefore, the ability to acquire any security is enough, but to manage it competently is not.

Important! By investing money in mutual funds, we get the opportunity to acquire those stock, bonds, gold or currency, which have fallen slightly in price, but are able to gain their positions in the future, determining good growth and a significant share of profits.

To achieve this ideal situation, specialists in investment funds must have an excellent understanding of the economy, not only at the level of their country, but also in general, in the world. It is important to master the basics technical and fundamental analysis, view news feeds and be able to properly respond to constant changes.

It is very difficult for an ordinary consumer to obtain a complex of such knowledge, and even more so to actively dispose of it, therefore, there is a need for the services of a specialist. This is the essence of investing in mutual funds.. You give your free money to managers who have vast experience and good statistics.

Thereby, advantage investment fund is that at any stage you are provided with maximum support and various options for investing funds from which you can choose the most optimal.

There is no need to immediately immerse yourself in all the subtleties and nuances, study daily methods, it is enough to entrust your funds correctly. In addition, you can gradually delve into the ongoing actions thoroughly by acquiring additional shares of the same organization on your own.

It should be understood that the activities of any management company are subject to constant control by the state, and this is already confidence for you in honest cooperation.

It is precisely such tough measures in the legal field and legal issues that ensure the protection of our investment rights as shareholders.

For the most part, a company that values ​​\u200b\u200bits reputation allows only trusted employees with a special certificate to manage the attracted contributions. It is also important that the amount of your initial investment is practically unlimited. It can start from 1000 rubles.

All available capital can be distributed initially between several mutual funds, which will allow you to create your own portfolio, limiting your share risks.

Logically, the situation turns this way: if even one investment fund puts your money at risk and brings you lesion , then the other will help restore the lost amount and, most likely, will provide income .

Even if the fund is recognized bankrupt , then your property invested in this investment will be prohibited from bidding by law. If necessary, you can always request the results of an independent audit, which is carried out daily. So, with the help of the registrar, the fund's own rights to invested shares and all property are recorded. And annually, the company's accounting is subject to audit.

Negative side such a method can be called your own indiscretion, when a young untested specialist, taking up a case, “letes you down” and your expectations.

It is quite difficult to check its actions in advance, so there is a risk of losing accumulated money.

The only right decision you may want to learn a lot more about the mutual fund you plan to invest in. Try to analyze the situation, look for reviews, read forums, insure yourself.

Method number 3. Acquisition of real estate

Investment method number 3. Purchase of real estate (office, residential, etc.)

This method has always been the most effective for investing money. It should be understood that the acquired property (apartment, etc.) almost never loses its price. We have already told how profitable it is to buy an apartment and, in a separate article.

Over the next few years, its value will gradually increase. Sometimes this happens in sharp jumps, often just a systematic increase, but it always gives its owner the opportunity to be in plus . In more detail about, as well as the pros and cons of this method of investing, we wrote the previous material.

In addition, the purchased option can always be rent out, and this is already a way of passive income, which leads to further accumulation. Experts have noticed that in order to invest it is best to purchase simple rooms or one-room small apartments.

An example of an apartment that can be rented from 20,000 rubles per month in a large city

The rented premises of two such objects are several times more expensive than one area consisting of 2 rooms.

Also, a small quadrature is easier to repair, giving it a presentable look, and furnish it with your own furniture. If we use the language of numbers, then renting the purchased room will bring us 10-20% per annum that maximizes the return on investment in 6-8 years old, and after that the period of receipt of net profit will begin.

But renting an entire apartment brings only 5-7% per annum and this is a longer period for the return of their funds. In addition, the existing method of renting housing by the day provides the most favorable prospects, but entails the need for constant work on search for residents and repair which will become more frequent.

You will need to provide not only the best conditions, but also the prestige of the location of the room in the area. Investing your own money in housing has mass benefits . This is stability, and the possibility of further residence and return of invested money at any convenient time.

It is worth understanding that sell property you can always. (For information on how to do this quickly, read the article -?). Moreover, you can easily give your square meters hand over them by inheritance or bequeath a specific person.

disadvantage In this way, it is necessary to consider the high cost of the object and the difficulties in making a transaction. So it is not always easy to collect the amount from 500 000 rubles, and even a loan taken from a bank imposes a lot of obligations on you. But having money on hand is not a guarantee of a successful result.

In today's world, there are a lot of schemes used scammers when selling a home. And your initial conviction may later turn out to be a deception.

Therefore, vigilance is very important when searching for premises, checking documents and working with lawyers.

Method number 4. precious metals

The purchase of gold has become a very common way of investing. It is purchased in special ingots and, as a rule, kept in the same banks, creating a special account.

Over time, prices for this instrument may, as grow, and fall, but for the most part they provide the owner of the precious metal with profit. It is not difficult to buy it even on the day of the application itself.

If the transaction occurs in an impersonal form, then VAT in fact sales or purchases do not receive . But the formation of metal into an ingot involves tax payment value added in the amount 18% (VAT).

In addition to gold, actively sold silver, palladium and platinum. In fact, the entire income of the depositor is formed due to the growth in the cost of precious metals in world markets. If necessary, accounts can be replenished in the monetary equivalent of the value of this investment instrument.

Closing the contract, according to its terms, the bank has the right to give you not only financial resources, taking into account the increase in the amount, but also the bars themselves. By the way, very often prematurely closed accounts do not entail the payment of accrued interest.

Advantages of this method is that it protects savings from inflation, protects the owner in case of any unstable economic or political situations in the country. In addition, here is high liquidity use, that is, a quick transfer to cash, as well as a stable increase in the cost of them.

Gold, as a precious metal, is always valuable. The price of gold is subject to small fluctuations, but in the long run grows in price.

From shortcomings can be called the need to create special storage conditions, purchase and sale is produced only through the banking system, and the increase in capital gains is slow.

In addition, when working with this method, you must follow a few basic rules.

First, the acquisition of precious metals is important to carry out in the most favorable period. Try to identify the underlying price decline.

Secondly It should be understood that such investments pay off only in the long run.

AND, thirdly, when starting the main actions, try to study the market in advance, understand the peculiarities of the extraction and consumption of each metal, and also analyze the forecasts of experts.

Getting gold gradually depletes its reserves, which allows you to make the price more expensive after a time period.

Method number 5. Business

Investment method number 5. Business creation and development

Creating and developing your own business, as well as acquiring a ready-made project, involves special risks in the initial stages. In general, of course, the sphere of investing money is considered profitable, but it can be very difficult to achieve such a result. About that, we already wrote in our issue, which provides detailed instructions on how to open, what to look for, as well as popular business ideas as examples.

Important not only initially correctly calculate the amount of investments, staff availability, purchase of goods and other items of expenditure, but also take into account the rent of the premises, the traffic of the planned place, and even the cost of the average check, which gives reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt the original plans. it presence of competitors, not a good relationship with suppliers, equipment upgrade, changes in Russian legislation, and much more.

advantage such investment can be considered the possibility of joint ownership of the business, collegial management of it and the search for a niche poorly occupied by competitors.

Under such conditions, as well as competent business management, you can not only receive a good income, but also be sure of its constancy.

Negative side this method is called the absence 100% guaranteed. Your invested funds may, in the end, not only not return, but also impose special obligations to eliminate debts resulting from activities.

Any area of ​​business requires special attention, constant work and personal dedication. You will either have to constantly monitor the course of affairs with the money invested, or independently participate in them, achieving positive results.

In more detail and in detail about, we wrote in our past material.

Method number 6. Purchase of securities

Investing in such instruments becomes profitable in the long run. The main types in your portfolio can be called stock, bonds and Eurobonds.

Way of investing money №6. Purchase of securities (stocks, bonds, etc.)

Let's take a look at each purchase in more detail.

So " stock" is a security that makes it possible to confirm one's right to a share in the company's capital. It allows not only to receive dividends, but also to participate in the management of the enterprise itself.

Main advantage such an acquisition can be considered a huge profit based on the increase in its price. The entire scheme for storing and controlling such papers is now in electronic form, so it is very convenient to use.

Also, when working with securities, many companies open their controlled companies in offshore zones (“offshores”). we have already written in our previous issues.

negative moment experts call the high risk of storing these tools. Such an acquisition is done at your own risk. No one gives good guarantees of the success of such an event.

"Bonds" their owners increase capital gradually. Its growth is slow, but it makes it possible to become stable. In the general portfolio of securities, they are most likely acquired for diversification, that is, expanding the range.

They reduce risk and are suitable for those users who can expect a long period of adding initial funds.

"Eurobonds" are issued most often by corporations and the government in foreign currency denominations. The initial rate for their acquisition is 1000 dollars.

Main advantage of this method of investment lies in the cost difference between currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.

Flaw of this method is that it is very difficult to choose the right stock or bonds into your portfolio. You will have to resort to the opinion of professionals and experts.

Only they, understanding the real economic situation of our country, as well as understanding all the nuances of working in this area, are able to advise and choose the most optimal solution for you.

Method number 7. Private lending (P2P lending)

Another method that is now the most widely used. This is a method in which money is provided to the borrower on special terms. It is important to draw up a contract correctly, evaluate everything risks and losses, to study the personal data of the person with whom you have to work.

Your advantage is high yield. Providing credit obligations from one individual to another for a short period allows you to get up to 50% per annum. But the disadvantages of this method are also serious.

There is a possibility of non-repayment of borrowed funds. Even a very thorough search for borrowers does not guarantee their honesty.

Method number 8. Buying currency

This way of investing can be carried out both with the help of banks (banking institutions, branches, etc.), and by attracting brokerage companies to trade in the Forex currency market. One of the best brokers is " ForexClub".

If a In the first case you just need to provide a document proving your identity, then in the second- a special agreement is signed, which initially may carry additional risks. In one of the articles in our magazine, you can find out what and what you need to pay attention to when.

That is why it is important to choose the right specialists with significant experience in this field of work. The most popular currencies today are: American dollar, Euro, Japanese yen, Swiss frank, and English pound sterling.

Key Benefits This method can be called some points.

Firstly , the increase in profit is achieved in 100% and more, which allows you to increase the initial capital, enriching yourself daily.

Secondly If you know the dynamics of the growth of the exchange rate, then it becomes possible to protect yourself from inflation. You can independently choose a currency, determine its changes and predict further consequences.

Thirdly , the purchase for you is not limited in time. This process can be scheduled for any period of personal free time.

AND, fourthly By providing constant access to the Internet, you are able to independently control the situation, monitor course changes, and determine the effectiveness of your further actions.

Flaw with these advantages, only one is the unpredictability of the currency. In order to make the right decision, you need to carefully monitor the changes, be able to correctly predict the behavior of quotes and try to bet on various types of funds.

Yes, experts advise to instantly increase your starting capital, make an investment in dollar or Euro.(In the near future we wrote in the last issue, which provides advice and expert opinions).

If it's a priority for you safety of funds despite the difficult political environment, turn your attention to pounds or Swiss frank.

Of course, buying them is more expensive, but this operation gives stability, because their position is more stable in the foreign exchange market.

☝ It has also been growing in popularity lately. We covered them in detail in our last issue.

Method number 9. Investing in art

This is one of the stable ways not only save your funds, but also increase them significantly. To do this, it is important not only to really understand art, but also to attend special events, selecting your future buyers.

This method has both a lot of advantages and disadvantages. As you know, the art market has existed for quite a long time and everyone can become a participant, regardless of gender, age, and even religious prejudices.

The first and significant a plus work with masterpieces is very simple purchase procedure works. There are no special formalities, licensing, special checks. The investor selects a future acquisition from the catalog or by visiting the gallery itself. He is called the price of the canvas he likes according to the established price list.

If necessary, an expert is involved to confirm the authenticity of the work. Such a specialist can be provided both by the organization itself and from the circle of personal preference. The work you like is carried out by a purchase operation and given to the investor in his hands.

By the way, it is believed that investing in such sources becomes the most profitable in periods of crisis, wars or extreme situations. This is a kind of capital protection, providing further profit.

But against the background of these advantages, one can distinguish a number of shortcomings . Let's start with the fact that this market has low liquidity. Auctions are held with frequency 1-2 once a year, and the sale itself may take 6 to 18 months.

In addition, the availability of buyers who are able to pay you the required amount is very limited and it is important to convince them of the importance of the acquisition. Many lending institutions refuse loans to their clients, even if they are trying to secure the same art objects as collateral.

No work unable to bring to its owner intermediate income, such as renting an apartment or buying shares, but the costs can be significant. The owner needs to ensure not only the correct storage conditions, but also insurance, security, delivery.

In addition, sometimes it happens that the period of price increase is replaced by its stability and waiting for a long time the owner may just make a small profit. Even at well-known auctions and auctions does not exist 100% counterfeit protection. Often, the staff of experts there is very limited and it is not physically possible to check all works of art purely physically.

Many experts advise taking this method of investing capital very seriously. Try to provide for yourself the maximum possible methods of checking works for authenticity, involve those employees who will give a guaranteed result.

It should be understood that only the canvas that has not been put up for sale for a long time and spent it in one collection has a serious chance of increasing its value.

Method number 10. Internet projects

With the development of modern technologies, this direction is becoming more and more popular.

Way to invest money #10. Investing in Internet projects

At its core, it has 2 areas, which may be of interest to both a novice investor and an already experienced specialist.

Firstly, the World Wide Web allows you to create innovative web resources that are regarded as startup. By the way, we wrote in our last article.

Secondly, you can invest in creating your own website, which will become the foundation of your business and begin to bring additional funds on a regular basis.

AND, third, financing those projects that seem most profitable to you.

Let's take a closer look at each direction in order to understand how profitable it can become later.

In the first case you will need come up with an original idea, which will be able to interest the future buyer with its profitability. Having worked it out more carefully, it is important to understand even the smallest details.

Further, specialists are involved who are able to bring the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed according to which this business project is actually carried out and tested.

Your investment is returned back with a return . The amount of profit received on hand depends entirely on the degree of development of the created Internet site and its attractiveness for future owners.

Second case has a more common onset and is beneficial for a number of reasons. You can create your own business on the Internet, even with a small capital.

You save on retail space, warehouses, staff, but you have the opportunity to access a wide range of users and implement at a convenient time.

Investments in this type of activity less risky than creating a business in reality. But the development of such a direction and the multiplication of initial financial sources completely depends on your employment, interest and intentions.

Third way attachments funds through the space of the world wide web is also associated with doing business, only by people who are able to prove the effectiveness of their start. There are many platforms where people post their projects with a specific description of the cost and level of profit.

Investing in websites. An example of selling a site from the Telderi exchange. The lot indicates the average monthly income and expenses and other information for buyers (investors)

They offer you to invest in it, promising a certain share of shares, on which you can later receive income or raise money for their sale. Registration of such obligations takes place by a special type of contract worked out by specialists.

Investing in Internet projects- this is the direction that should be studied very carefully, because it is impossible to predict the result in advance. Of course, there are risks here.

And perhaps disadvantage such a method can be called unpredictability. The experts calculated that 10 offers put forward for consideration only 4 capable of becoming profitable .

Method number 11. Binary Options

This is the fastest way to make a profit on your investment. It is based on two components: risk taking and clear detailed study economic situation.

Method number 11. Investing in binary options

Your task is to provide a correct prediction for the price of the asset being used. For example, it is most convenient for a person to work with stocks. By purchasing an option on them, he is betting that, for example, exactly in a day their value will become much higher than indicated at the moment.

After the specified time, the result is evaluated. In the event that the assumptions are confirmed, the amount of profit will fluctuate from 65-85% . This is a significant increase in invested capital.

But do not forget that you may not guess. Exactly then is lost 80-100% rates. We have already written in detail about options in our issue - “What is it and real beginner reviews”.

At first glance, it may seem that generating income in this way - just a game of chance. Actually it is not. It is worth delving a little into the created system, and you will begin to make predictions more correct, and this, as a result, increases the chances of a favorable outcome of the bet.

Investing in binary options, it is worth considering that they have a mass benefits.

Firstly , those trading instruments that will be offered to you have a wide range and provide the right to a huge choice. So anyone, even a novice investor, can work with both standard currency pairs and precious metals, shares of various companies, oil and other assets.

Secondly , your level arrived and possible risk predetermined. In general, you can calculate in advance how much you can get as a result of a positive outcome of the case and what you can lose if the situation is incorrectly resolved.

Some trading platforms offer their consumers to independently set the percentage of the future outcome.

For example, by setting the numbers 80/70 , you lose 80% of the bet without guessing it, or gain 70% of the initial capital.

Thirdly , any interested investor is always provided with easy access at any time of the day. That is, there is no need to download and install additional programs, go through levels of control or somehow confirm your individuality.

It is enough to get to the official website of the trading platform and you can track the results, make new bets, and analyze the situation. In addition, all trading continues every minute, without breaks on weekends, holidays or at night. Thus, your desire to start earning on the money invested can come true at any second, you just need to find free time.

AND, fourthly , the trading interface is designed in such a way that even the most uninitiated beginner will understand on an intuitive level. All intermediate price fluctuations of the instrument you have chosen are removed, giving only the final result for the time you set.

There are 2 main principles here: CALL UP - a deal to buy (profit from rising prices) and PUT DOWN - a deal to sell (income when the price falls). Despite such a number of advantages described, it is worth understanding that binary options, like any other type of capital investment, they can have some disadvantages.

Let's list some of them. So, the only failure you made is capable of taking away up to 90% invested capital. And this is sometimes a very significant amount, and in order to return it back it takes about 3-4 successful transactions.

In addition, it is not allowed here in advance break deals or refuse them. Even if you understand the fallacy of your actions, and the worsening forecast constantly confirms your guesses, then you can only hope for a miracle, waiting for the final result.

Also, the program itself assumes the absence of credit obligations. That is, you can invest only free funds that you have available. On the one hand, this is even good, because, as a rule, a novice investor enters into excitement and is able to spend more than he intended from the very beginning.

But, on the other hand, there are some types of transactions or the stability of the economic situation, when a positive result can be predicted in advance, and this can lead to significant earnings.

Only at this moment there is very little money in your account. Working with binary options is capable of not only save invested funds, but also increase them significantly, one has only to correctly understand the situation and study in more detail the scheme of work with each tool.

Method number 12. PAMM accounts

This is another way to manage your finances, which allows you to entrust personal savings to a specialist. In more detail about how to open and choose a PAMM account for investment, we told in one of our articles.

Investment method No. 12. Investing in PAMM - accounts

It is worth immediately understanding what is the difference between a mutual fund ( mutual fund) and PAMM account.

If in the first case the manager has full access to your funds and can dispose of them at his own discretion, without being liable even in case of losses, then the second option assumes only the presence of a deposit, which can only be handled by concerted actions.

PAMM account is intended for trading, making deals, but only in a technological way. Moreover, all funds provided for investment on this account can not only be checked at any time, but also the actions of the manager can be stopped at any time.

Key Benefits money contributions in this way are:

• Opportunity to earn significant profit through the skillful actions of a specialist. As you know, such accounts provide access to the most highly profitable investments.
• Minimum investment threshold. Some of these accounts may start with an amount of 100 dollars and that is why they become not only attractive, but also accessible to a large circle of people.
• Full control . Thanks to the automated system, the account holder can easily and quickly analyze the activities carried out, and all calculations are performed automatically.
• Easy choice of manager. Throughout all the work processes, not only its statistics are published for each PAMM account, but also the history of operations, which makes it possible to easily view the current situation, contact your manager and, if necessary, replace him.
• Portfolio formation. As in the situation with mutual funds, the occurrence of risks is always possible. That is why it is necessary to insure yourself by creating several accounts with different assets.
• Liquidity of operations. At any time, if necessary, you can not only deposit your funds, but also withdraw them. The whole operation takes no more than a day, but gives the owner confidence that there is control and even the most complex transactions can be stopped during their execution.

Method number 13. Invest in yourself

This is another way to invest money. It is considered very beneficial in the sense that even the smallest knowledge gained while attending courses can become a serious platform for a further start.

In general, this type of investment has 3 main directions.

1. Health

Even if it seems in their 18 years, you do not have problems in this area, be sure that they will appear without due attention to you. And how well you take care of him now, depends on your condition in adulthood.

2. Appearance

This is a constant work on yourself. In order to be properly perceived, you need to follow cleanliness of clothes, own fragrances, skin, nails and hair.

Of course, there is no need to constantly visit expensive salons and spend all the money on procedures, but it is also useless to make appointments when the external image looks like a fat, greasy cat.

Try to join the sport in order to have a beautiful figure and a toned stomach, watch your hairdo, and even more so unpainted hair roots, sign up for manicure and pedicure procedures.

Timely monitor the condition of the skin and at least purchase the necessary creams to help fight wrinkles, pay attention to your wardrobe. Try to select for him things of good quality in a strict business style. Don't forget to wash and iron your clothes on time.

3. Knowledge

The fulfillment of the first two main points entails further personal growth. Now it is important to read books of various kinds, drawing something important for yourself.

Make it a habit to read daily at least 50 pages . Sign up for useful courses, trainings, visit presentations (for example, such as - "", etc.) try to communicate with new interesting people.

If you have the opportunity to watch a training video, use it. Schedule a trip to another country or city, choose excursions with which you can study history, various types of architecture.

Believe me, there is nothing educational in visiting a beach or a bar. It's also good to get into museum , theatre , movie ,Botanical Garden or even zoo .

Invest in yourself - this is knowledge, experience, skills, ability to apply the whole range of acquired skills in practice at the right time for you. After all, it was not in vain that wise people said: “Knowledge is not to be carried behind your shoulders, and you never know what information will be useful to you today.”

7 principles of investing to make money 📋

We wrote above about where you can invest money with a guarantee, so we also suggest that you familiarize yourself with the principles of investing.

Basic principles of investing money at a high interest rate with a guarantee of income

Principle 1. Long-term perspective

Imagine a situation in which the market, which has become so familiar to you, simply closed and it was decided to resume its activities only after a few years. Where would the money be invested?

Try to think ahead without resorting to daily quotes, the mood of other investors, fluctuations in the cost of raw materials and finished products. So, for example, take the purchase of shares of a well-known company " Coca Cola". Even at the time of its conquest of the market, they cost $40.

The increase in the price of sugar in those years caused the value of the security to fall to its minimum. A rush was created in which they were sold almost for next to nothing, but today we understand how profitable these purchases became then. Agree that this is a great example of where you can invest money to earn. Such a prospect can be offered to you by shares of another company, buying gold , antiques and even apartments .

Principle 2. Careful examination of the financing instrument

Before you give away even a small amount of your hard-earned savings, try to make an in-depth analysis of the chosen method. Talk to those who already work in this field, consider their experience. This principle applies in particular to areas such as mutual funds, work in the stock markets, PAMM accounts.

Principle 3. Own opinion

It is not enough to just have information, even if it is collected very carefully, it is important to be able to cut off everything unnecessary and look at the future perspective.

Try not to succumb to the forcing opinion from the outside, develop your character by determining your outcome and the result of investments.

Principle 4. Know how to stop

Sometimes it happens that work in one direction ceases to be profitable, and there can be many reasons for this.

Consider other options, look for more promising investments, learn to close unnecessary pages.

Principle 5. Take your time

Making investment transactions in the modern world, we rely mainly on the help of the Internet. It seems and more efficient and faster. But such a position is initially wrong. It is important to understand in subtleties and nuances, determine the outcome of the case and only then make a decision.

After all, the question of where to invest money at a high percentage with a guarantee requires taking into account all the outcomes of the event (from getting big losses to getting a decent income).

Principle 6. Choose winners

It should be understood that even against the backdrop of a difficult economic situation in the country, there are companies that give good performance and develop very steadily. The task of the investor is to find access to its shares and get them for the success of their business.

Principle 7. Think about tomorrow

This principle of investing lies in the fact that even if you are very lucky today, you should not stop there, withdrawing all the money to buy expensive things.

Continue your work, look for new sources, tools, ways, collect your portfolio. Only this way of action will lead to a stable positive result.

5. Where to invest money to get monthly income - 5 useful tips from experts 💡

Where to invest money in order to receive income every month, we wrote above, so we suggest that you also read the advice of experts who have experience in investing.

Since earning our money, we try to not only save, but also multiply, and in a crisis, lack of stability and a difficult economic situation in the country, there is a feeling of fear, accompanied by a sense of loss.

So, expert advice on where to invest money in order to earn and not lose it:

Expert Tip #1. Try to minimize the risk for part of your investments as much as possible

From the total amount of capital, separate 30% and give yourself a guarantee that they will invested without loss. In this way, experts believe Bank deposit, purchase of art objects, purchase of gold bars, precious metals and real estate.

The main essence of the advice is that with any further arrangement of affairs, you will be able to save the starting amount, and if possible, you will also earn on it.

Expert Tip #2: Create Recurring Passive Income

If this is your principle, pay attention to the purchase of stocks or bonds, and indeed securities.

By the way, even buying your own square meters, which are then rented out, will also allow you to receive a monthly income. You can read more in our article - - ideas and sources of passive income "

Expert Tip #3: Separate How You Invest (Diversify)

It is important to understand that keeping all the money in a single project is very inefficient, diversify your investments. That is why, having ensured stability, try to find a profitable business area or become a co-investor in a business that, in your opinion, will be very profitable.

Expert Tip #4 High Yield Investing

For economical and frugal people, this way of investing capital should become the most extreme, because in fact it is associated with big risks . Your appeal to mutual funds or PAMM accounts, and even more so binary options, will allow you to both instantly receive income and put all initial capital at risk.

Expert tip #5. Check information

Before you invest your money, you need to carefully and scrupulously study the object of investment. Make sure that the expected return is correct, you may be offered to invest in an object with a questionable return.

6. Where do not invest money so as not to burn out - the main investment mistakes 📛

Despite many warnings and a huge amount of information on the Internet, people who want to invest their own money make a number of mistakes that lead to an undesirable result.

The very first and most important the moment is that newcomers give their finances at random, agreeing with the arguments of acquaintances, relatives and even third-party representatives of the worldwide network. Of course, the probability of receiving income still remains, but it reduced to a minimum.

Second mistake can be called an emotional state. There are frequent cases when, inspired by the example of a friend, a person tries to imitate his behavior, repeating each step of investing, but without a clear calculation and pre-planned prospects, instead of increasing funds, we get them loss .

Another wrong move considered to be in a hurry. People are in a hurry in choosing an investment tool, as well as in the desire to take the first results. As everyone knows, profits don't grow on trees. That is why it must be expected. Give yourself time to understand the subtleties and subjects, learn to act systematically.

Real examples of investing money for profit - ways to invest from 100-500 thousand rubles to 1000,000 to earn

7. Where is it better to invest money to make money - real ways + examples of investing a small amount of money to make a profit 💰

Even the smallest earned capital is already becoming an object of further reflection. It is, as it were, a small door that opens the way for you into the world of big investment.

So, let's consider it profitable, starting with a small amount of 5000 rubles and ending 1 million.

In modern economic conditions, which are characterized by extremely volatile inflation and the dependence of exchange rates on the political situation, it becomes important not only the question of how to make money, but also the question of maintaining free funds.

The financial market offers many not very reliable tools that allow you to earn a lot: Forex trading, business investment and various income schemes. High risks in them are compensated by high incomes, but when it comes to a large amount (from 1,000,000 (one million) rubles), stability and reliability come to the fore.

Where to invest 1000000 rubles to earn, not lose your money

Preservation of investments provides for a return equal to or greater than the average annual inflation rate. At the same time, the receipt of income should also provide for guarantees of the safety of investments and the possibility of returning them at any time.

The least risky ways to make money with free cash:

Bank deposits

The most understandable and commonly used way to save money. With the introduction of the deposit insurance system, this type of investment has gained additional popularity, because bank customers received additional guarantees for the return of funds even after the revocation of a license or bankruptcy of banks.

The main nuance of payments is the amount of compensation: 1,400,000 (One million four hundred thousand) rubles is paid to each client, and not for each deposit opened in a bankrupt bank. That is, if the client has several deposit agreements for a total of 1,400,000 rubles, then the payment will not exceed 1,400,000 rubles. In addition, this amount includes all accrued interest.

To determine where you can earn more (the most profitable deposit), you can use the calculators posted on the bank's website or interbank portals. The owner of the deposit can count on the highest profit with the following conditions:

• the term of the deposit is from 1 year;
• impossibility of withdrawal during the term of the deposit;
• capitalization (adding accrued interest to the deposit amount);
• a long period of relations with the bank (for example, banks offer a high interest rate to “salary” clients).

It is especially convenient to use multi-currency deposits, which allow you to convert funds from one currency to another without the need to close the deposit and without losing accrued interest.

Bonds

An analogue of a bank deposit in the assets of a legal entity-issuer. Bonds are a kind of loan agreement that is issued (by an investor) to a company.

This financial instrument is the most reliable and guarantees the holder a small, but interest income (coupon). The coupon is paid once a quarter or half a year. At the end of the term, the bond is redeemed by the borrower or, by agreement with the holder, extends the term of the bond.

Video - types of bonds and basic concepts:

Such a security may also have a zero yield (the so-called zero coupon income), but in this case it is sold to the investor at a discount (discount), but is redeemed at the end of the validity period at the real market value. In this case, the investor's income is calculated:

Revenue = Cost of sale - Cost of purchase

Bonds are one of the simplest ways to invest in the stock market; they do not require a rigorous assessment of the financial condition of the issuer and allow you to invest even small amounts (the price of one bond is from 1,000 rubles).

Stock

Unlike bonds, investments in shares are more risky, their price is influenced by many factors: the economic situation in the country, the financial position of the enterprise, the volume of issue and other parameters.

The owner of the share has the opportunity to participate in the adoption of managerial decisions. However, in practice there are so many shareholders of large reliable enterprises that voting on the issues of the general meeting is carried out in writing by mailing.

It is very difficult for a non-professional to predict the total return on shares, since in addition to dividend payments, it also includes an increase in market value over the investment period. It depends on the competent policy of the issuing company and serves as a reflection of the financial stability of the organization. Very often, it is the increase in value that is the main income of the investor and more than compensates for small dividend payments.

Impersonal metal account (OMS)

Another banking product that involves making a deposit. When opening such an account, the investor acquires virtual grams of any metal (gold, platinum, palladium, etc.) at market value.

Video - depersonalized metal account, its pros and cons:

The cost of the metal in the long term is steadily growing, so this type of investment is justified only with a long investment period (from 3 years). The issuance of funds from the account is carried out in kind (metal bars) or in cash, while the bank withholds a small commission.

The main disadvantage of such accounts is the absence of any insurance. In case of bankruptcy of the bank or revocation of the license, the funds will not be returned.

Mutual Investment Funds (UIFs)

Mutual funds attract more and more investors due to their potential ability to generate very high returns. But there is a clear pattern in the investment market - the higher the income, the higher the risk of losses.

Mutual funds are contributions to the activities of investment funds that operate in the stock market by acquiring securities of various companies.

Often the name of the fund clearly indicates in which area investments are made: "Oil and gas", "Real estate", etc. Receiving income from trading on the market, buying and selling securities, the fund divides the profit between investors in proportion to the contributions made.

Naturally, the degree of profitability of a mutual fund directly depends on the professionalism of the management company, and the funds of depositors are not insured in any way.

Mutual funds are:

• bond;
• promotional;
• mixed.

Naturally, the type of a particular mutual fund depends on the instrument in which investors' funds are invested.

According to the period of validity, mutual funds are divided into:

• open (purchase and sale of shares can be carried out at any time);
• closed (similar to a deposit without the possibility of withdrawal, the sale of a share is carried out only at the end of the contract);
• interval (operations are carried out with a certain frequency).

It is worth investing only in proven large funds. The least risky are open-end bond funds. They bring a small income, but guarantee the safety of funds.

Real estate

In order to make effective investments in residential real estate, it is necessary to have a sufficiently large level of savings. Especially it concerns the market of capitals and their regions.

The yield on this instrument (in the case of renting out real estate) is approximately equal to the rate on bank deposits, so many potential investors prefer to simply keep funds in the account, without burdening themselves with legal difficulties in obtaining and finding housing.

However, if the investor has a small amount of funds at his disposal (about 1,000,000 rubles), you should pay attention to commercial real estate. Its main advantage is high profitability.

For example, a one-room apartment in the Moscow region costing 2,500,000 rubles can be rented out for approximately 18,000 rubles. At the same time, a retail space of 15 sq.m. in the suburbs worth 1,000,000 rubles is rented for 15,000 rubles. There is a higher yield.

In addition, commercial real estate is becoming more expensive and over a 2-year period can bring an additional 20% of its original value.

Bills

Investing in such securities is not very common in Russia. This is primarily due to the low activity of foreign investors in this market.

During the crisis of 2008, it was the bills that made it possible to save money and even receive a small return on investment.

A bill of exchange is a debt security, according to which the holder has the right to receive a certain amount of funds from the drawer within the established time limits. The promissory note is the least susceptible to fluctuations in the world financial markets, it is not tied to the value of the currency, the prices of oil and metals.

A clear advantage is the short investment period - from 1 month. The average yield is about 13% per annum.

Investments in currency

In the current economic situation, investing in foreign currency is becoming less and less popular. This is largely due to the instability of the ruble and the poorly predictable state of the money market.

If the investor is not afraid of the high volatility of rates, one can pay attention not only to the widespread European and American currencies, but also to the more stable currencies of actively developing and developed countries. These countries include China, Japan, Australia.

In any case, these investments should be rather long-term (from 1 year), only then the profit will be noticeable. To get more income, it is justified to open a deposit in foreign currency in a Russian bank.

Advantages and disadvantages of the most common investment methods - a comparative analysis

Each of the presented investment instruments has both advantages and disadvantages. Let's visualize them in a table:

	Contribution	Bonds	Stock	mutual funds	CHI	Real estate	Bills	Currency
Possibility of small investments (up to 100,000 rubles)	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes
Early withdrawal without loss	Well no	Yes	Well no	Well no	Well no	Yes	Yes	Well no
Possibility of short-term investments (up to 1 year)	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Loss insurance	Yes	In case of bankruptcy - according to the law of the Russian Federation	In case of bankruptcy - according to the law of the Russian Federation; from loss of value - no	Not	Not	Yes, at the request of the owner	Yes	Not
Impact of third parties on income	No	No	yes (company management)	Yes	No	No	No	No
Risks	low	low	high	high	high	low	low	high
Potential return	low	low	high	high	high	high	low	high

As seen, most of the investment instruments are tied to third party solutions which can influence the state of the company, making financial decisions, managing investor funds.

The least risky investments are also the least profitable, but bank deposits are still the best option to save money from the effects of inflation.

Depending on what the investor's goal is - maximizing profits or protecting savings from inflation - it is worth making a choice in favor of one or another partner and financial instrument.

The first and main rule of a real capitalist: money should work, not accumulate under the mattress. So, let's talk about: where exactly to invest your money?

Where can you invest a million?

Bank

A bank is the easiest and most reliable way to increase capital. It cannot be called very profitable, since even the best and highest deposit rates hardly manage to cover the costs of inflation.
Among other things, in the event of an insured event, the bank undertakes to pay only 700,000 rubles, you will lose the rest. If you plan to store a rather impressive amount in a banking organization, then it is worth distributing it among different representatives.

It is best if these banks are included in the "Top 50", ideally - if they have state support. Investing money in a bank will create the necessary "financial cushion" for you, which in the future, under unforeseen circumstances, can help you a lot.
That is why, if your goal is to save your funds and protect them from inflation, you can safely contact the bank, but if you want to increase the amount that you have on hand, then you should consider other options provided for your consideration a little below.

Own business

If you have at least a shred of entrepreneurial ability, then the question is: "what to invest a million in?" will immediately receive its logical answer - own business.

With proper work, you can multiply your dividends in a short time.
In the event that you understand that running a business is absolutely not suitable for you and you cannot devote all your time to it, then consider investing your funds in someone else's already established business. This will increase your risks, but, nevertheless, will not require you to make a huge investment of money and time. It should be understood that any investment is associated with serious risks, you need to be prepared for the fact that any business can "burn out", and the partner can betray.

Real estate

A more reliable investment than in real estate is hard to find. People brought up in the USSR rarely trust what they cannot see or touch with their own hands, which is why, for them, real estate is the most desirable investment. because this is the asset that is always with you. The most valuable are apartments in Moscow and the Moscow suburbs. Let's be honest: it will not work to buy real estate in these areas for 1 million rubles. Housing prices in the capital are growing every day. But, in spite of everything, it is more than possible to buy real estate in provincial cities for this amount.

If we consider this type of investment not only as saving your funds, but also as increasing them in the future, then we can safely say: you will not lose.
It is quite difficult to accurately calculate the amount of your profit in this case. It directly depends on the market and trends in it. Keep in mind that there are always risks: you can either increase your interest or lose everything. See for yourself, before you is an indicator that clearly shows the trends in the real estate market over a five-year period.

You can see that house prices are steadily rising, but there are also drops.

Securities

If the options listed above, telling about where it is profitable to invest a million rubles, do not suit you, then consider such an option as securities. Shares of Russian or foreign companies are a simple income option, the profit from which is often underestimated. Yes, these investments are directly associated with the risk of losing funds, but, nevertheless, they can become a "gold mine".

precious metals

As soon as you have a question: "where to invest a million rubles", then the thought immediately flashes: "jewels". Yes, it is impossible not to agree that the prices of gold and platinum are rising every day. But, unfortunately, this situation is not much different from buying real estate. Even in this case, you have a chance to lose all investments. No analyst can give you a guarantee that you will win.
For clarity, we present you a graph that clearly shows you the fluctuations in gold prices in 2012.

Internet projects

It is profitable to invest your funds and receive further profit through the creation and development of various Internet projects. If you improve the site, bring it to autonomy, then you can make a profit without making any effort at all.
If the answer to the question: "where to invest 1 million?" is obvious to you, and you want to create your own Internet project, then it is worth considering that in order for this investment, however, like all others, not to turn into a failure for you, you should understand this topic. The main risks are taken by the investor who does not want to delve into the topic, designed to increase his wealth.

PAMM accounts

Still, where to invest 1,000,000 rubles with minimal risk? Enumerate the advantages of such an investment as pamm-accounts, you can endlessly, because they are absolutely legal, easy to use and available to anyone. Their most important plus, which, no doubt, is appreciated by all businessmen, is passive, but steady profit.

The essence of this method is simple and clear: you give the available amount to people who professionally play in the Forex market. Such people are called traders, they not only successfully earn money on this currency market, but also help others, of course, guided by their own interests.

If you want to be a little more specific about this, then try to understand: banks give you an interest rate of 5-10% per year, right? Well, pamm accounts will give you this money in a month.

Yes, there is a risk here, but when compared with investing in gold or real estate, pamm accounts are the safest.

mutual funds

This is another option where to invest 1 million rubles. It can be called one of the most common ways, because mutual funds are one of the easiest ways to increase your wealth. The principle of operation is similar to independent stock trading, the only thing is that your funds will be managed by a company specially designed for this. They do not indicate the size of dividends, because they cannot guarantee this.

And 2 million rubles?

We have examined in sufficient detail the investment options that will require you to invest a million rubles, and now let's try to double the figure and figure out where to invest 2 million rubles.

In total, the same mechanisms can be applied to 2 million rubles as to 1 million. But, as you know, the higher the amount, the higher the probability of mishandling it and losing everything.

When investing this money in a business, you get a big plus: you can not only start your own business, but also acquire an already established and well-functioning mechanism. But obviously, running a business is not for everyone. Let's look at other options.

Buying land

The most common advice that people who want to invest this amount can hear is to buy real estate or land. As writer Mark Twain said, "Buy land, they don't make it anymore." Good advice and helpful. For two million rubles, you can buy a wonderful apartment in a provincial town, in the future you can rent it out - this will bring additional dividends.

Buying land has its additional advantages: it will not require current expenses from you in the future, moreover, you can sell it for almost twice as much, it is enough to be able to bargain competently.

bank deposit

If you want to keep such an impressive amount in the bath, then by making the right choice, you will not only save what you already have, but also increase it. With good interest, you can receive about 200,000 thousand per year, which is about 17,000 per month. For life in a provincial town - more than enough.

Investments

You can entrust your funds to various investment companies that will take care of your capital. It is no secret that this is a risk, which for many has become a source of good income. The decision to invest in mutual funds should be carefully considered and weighed.

What to do with 3 million rubles?

If you have a question about where to invest 3 million rubles, then you are an incredibly lucky person. It should be borne in mind that when working with such an amount, the probability of losing it is much higher than average. You can use any of the tactics described just above, you can open your own business, invest in something, or use both. Three million rubles will allow you to make a significant deposit in the bank, which will become an "airbag", and send the rest for investment. In this case, even if you lose, and the object of your investment goes bankrupt, there will be an opportunity to start all over again.

What to invest 10 million rubles in?

This large amount causes undoubted respect for its owner. Where to invest 10 million rubles and not burn out? With this money, you can acquire a whole network of small enterprises, in the future, with the right work, getting a good profit from them. If you understand that you are ready to start such a business, then order a business plan from real professionals, hire a team of assistants or find adequate partners - and start making your dream come true!

At the end of the article, we attach useful material, a video lesson conducted by Roman Kozhin, in which he considers in detail the question of where it is profitable to invest in 2013!