How to save a million rubles a year. Investing money in buying an apartment or house. Daily rent of apartments
If you got here, then you have a question - where to invest your money? Here you will find the most profitable investment of funds in 2016.
According to statistics 72% Today's millionaires started with investments that brought passive income. ©Forbes
It’s worth starting with the fact that the country’s inflation rate is currently about 12%, that is, over the course of a year your money will lose value if it sits on the shelf.
Therefore, we decided to put together an investment portfolio, where it will be clearly visible where to invest and what kind of profit you can get from your example.
Table of profitable investments in 2016
The table is updated every month on the 1st, this will help more accurately show the benefits of each method of investing money.
| № | Website | Contribution $ | Profit per year |
|---|---|---|---|
| 1 | 1000 | 600% | |
| 2 | 100 | 280% | |
| 3 | 150 | 240% | |
| 4 | 100 | 180% | |
| 5 | 100 | 170% | |
| 6 | 800 | 140% | |
| 7 |  PAMM accounts | 500 | 135% |
| 8 | 100 | 92% | |
| 9 | 1000 | 60% | |
| 10 | Banks (rubles) | 1800 | 11% |
More details about each type of investment from the table can be found below.
1. Forex
Forex- this is a risky type of investment, where you need to understand all the intricacies, spend a lot of time, and also monitor the foreign exchange market every day.
Therefore, it was decided to find people who do this on a professional level and have low risks, and then invest in them and receive a percentage from it.
This is an ideal scheme for those who want to invest money in a profitable business that has more than 10% profit per month.
The company existed for 610 days, which is very cool for this industry. However, they eventually decided to close.
Skyllex is an Australian company that offers to invest money into their accounts, you can start with $50 and receive a fixed profit of 50 to 80% per month, depending on the deposit.
The company invests in the stock market, bonds and the most successful traders. They worked for more than a year and could bring more than 600% profit in 1 year of work.
PAMM accounts
PAMM accounts- this is a dangerous type of investment, where there is a chance of losing your money, but the profit here is much higher. The most important thing is to find profitable PAMM accounts without large drawdowns over a long period.
It is also better to use trusted brokers who manage accounts worth tens of millions of dollars, it is your safety that the money will be paid. 
We use Alpari and can recommend three excellent PAMM accounts without large drawdowns that can bring excellent profits!
- Stability - 275% per year with minimal drawdowns. It has been working for 8 years and is considered the best account, although the commission is 70%.
- Eternity - 187% per year, with average drawdowns, $10 is enough for an investment with a commission of 20 to 50%.
MrGold - 185%, deposit $10 with minimal drawdowns. Commission 19-39% on profits (one of the most profitable accounts at the moment).
2. Venture funding
Venture funding is a long-term investment by purchasing shares of growing startups with the goal of obtaining high profits.
There are only a few large companies in Russia that can offer this type of service. I would like to note that this is not only a reliable type of investment, but also very profitable.
Insolt
The international investment platform Insolt offers several types of investment and the minimum profit is from 9% per month.
Trust management: This is the transfer of money into the hands of professional traders who are involved in managing money in the exchange markets. The average profit on such an investment is about 11% per month.
Investing in startups: This is a great way to earn money on Insolt, where earnings per month reach up to 20% when it launches. In addition, you can always sell shares, which can greatly increase in price!
— the most popular venture investment platform in Russia. Where potentially profitable startups are collected.
The main advantage is a simple approach to investing, where anyone can invest even $1. At the same time, a good investment portfolio brings 10-20% profit per month + sale of shares.
3. Buying shares
In America, large investors buy shares of companies and receive dividends from this, and also have the right to resell the shares. This type of income has reached Russia. 
is the first Russian site that offers a fairly simple way to purchase shares of various companies.
You will be required to provide personal information and money; by the way, the order amount starts from 10,000 rubles. So be prepared to buy several packages at once.
Managers of Freedom Finance Investment Company create agreements for signing by the client, after which securities will be displayed on the depository account, which can be disposed of as desired. 
Personally, our team bought 400 shares of Gazprom for $1000, which brings a profit of 5% per month - $50.
4. Sports betting
Sports betting- this is one of the most profitable investments in 2016; no one expected such high profits from such a risky method.
And maybe this method would not have made it onto our list if it weren’t for one company that offers passive income without participating in bets and all this is official.
Unicore-Analyst managed to bring 175% profit in 5 months of its work. But why such high profits?
The fact is that professional brokers take your money into the company’s general account, which participates in various sports bets. And as a rule, they guess the outcome of events in 80% of cases.
Futures trading is very popular, and the most popular trading is carried out on the Russian derivatives market “forts”.
This is done by the Moscow Stock Exchange MICEX-RTS. Where you can trade all different assets:
- Currency;
- Shares of leading Russian companies;
- Bonds;
- Stock indices RTS and RTS Standard;
- Oil products;
- Precious metals;
- Diesel fuel;
- Electricity.
In order to make money on futures you need a lot of experience, time and money. The futures market is something between the MICEX spot market and Forex.
is the most popular electronic currency, the price for 1 bitcoin is about $450, although a year ago this figure was about $200.
In addition to the fact that btc is growing in price again, you can not just buy bitcoin, but invest money in cloud mining, where the profit will be 150-200% per year, not taking into account the rise in the exchange rate.
- this is one of the most reliable ways to invest money, but bank rates are 4-12% per year, which does not even cover inflation.
Few people know, but when someone tries to make a contribution, they try to impose additional money on him. services that will reduce the percentage. And the money that the bank receives is invested in more profitable investments.
For example, banks often buy not only currencies, but also precious metals, futures, shares and are actively involved in venture financing.
3 banks with the highest deposit percentage for investments of more than 100 thousand rubles:
- Uniastrum - rate 11.7% with a deposit of 100,000 you can get a profit of 11,750 rubles.
- Credit Europe Bank - rate 11.4% with a deposit of 100,000 you can get a profit of 11,474 rubles.
- Home loan - rate 10.8% with a deposit of 100,000 you can get a profit of 11,330 rubles.
And we bet you haven’t even heard of this type of income, right? This is a fairly new and unusual method of making money from being right.
All you need to do is accept someone else's bet and bet some amount of your money, if you win, you get someone else's bet. Or you can create your own dispute and make good money from it.
At the moment, this topic is just gaining popularity in Russia, so there are few sites that accept disputes, or rather there are only 2 of them.
BetOnMoney: is rapidly gaining popularity and already accepts bets from $1 to $1000. The most interesting thing is that there are people who were able to earn $15,000 - $30,000 from disputes in half a year.
Boobu Club: a little less popular because of which the bets are placed at lower amounts, but there are a lot of disputes themselves, which will allow you to earn the same $10,000 - $20,000 in half a year.
9. Issuing online loans
Would you like to try yourself as a bank, issuing loans for small amounts for a short period at a high interest rate?
It offers this opportunity to all participants in its system, where everyone can become a borrower or play the role of a bank.
The average interest on a loan is 0.3% per day, and the average loan period is 20 days. That is, during this period your amount will increase by 6%. And in a year you will get a profit of 106% if you issue one amount for the same period.
And if one of the borrowers does not pay, then this loan can be resold to the webmoney system, and the profit from other participants will easily outweigh the debtor’s amount.
10. Earn money in China
We will tell you about just a few types of income that do not require large investments of money and effort.
Investments in the Chinese economy
Over the past 15 years, China has greatly developed its own economy and flooded the market with its products, which gives confidence that it will continue to develop.
Therefore, you can make investments in Chinese industries that will generate passive income every month using the website - Goldenprof.
We made a deposit of $1000 and we have already managed to earn 150% profit, thereby recouping our money.
Partnership programs
In order to start making money on affiliate programs, you need to register on aliexpress, as well as on alibaba. And start advertising different products on the Internet, spreading affiliate links.
We created an account on Instagram, where we post photos with links to unusual and popular products. The average monthly income is about $300-500, if the account gains popularity, then earnings will grow.
Conclusion
There are quite a few ways to profitably invest money in 2016, and the most important task is to increase your capital and delegate funds to other projects.
This way of investing money will help you over time acquire high passive income, which will outgrow your salary in a few years.
People are constantly talking about the crisis, and this word already seems to have lost its ominous meaning... But nevertheless, everyone is asking the question “Where to invest money in 2016 so as not to lose?” Yes, preferably in such a way as to make money! In this article, I will tell readers of a Russian investor’s blog about simple and therefore understandable tools for investing money, such as trust management, real estate investments, trading in the foreign exchange and stock markets and others. Let's not ignore bank deposits.
Where to invest money in 2016 so as not to lose?
Invest money in the bank
The most common investment option in Russia. Putting money into a bank deposit after receiving a salary is already the norm even for people who are far from investing. Bank deposits are excellent for forming the habit of saving money, and the most important point is the absence of risk.
A bank deposit is an excellent option for saving money, but not increasing it.
When choosing a bank, be sure to make sure that the bank is a participant in the Deposit Insurance System. You can check this using the link on the Deposit Insurance Agency website. In Russia there is a Law that guarantees the safety of bank deposits up to 700 thousand 1.4 million rubles in one bank, thereby reducing the risk of losing deposits to a minimum. In December 2014 The State Duma adopted in the second and third readings a bill amending the law “On insurance of deposits of individuals in banks of the Russian Federation”, increasing the maximum amount of insurance coverage of bank deposits of citizens from 700 thousand to 1.4 million rubles. Therefore, you can invest money in 2016 on a bank deposit, but not more than 1.4 million rubles in one bank.
Investments in gold
Modern methods of investing in precious metals (not only buying gold in physical form, but also margin trading in gold futures, unallocated metal accounts in banks, and even buying shares of gold mining companies) can provide returns of approximately 25% per year, and some of these methods imply the ability to even avoid the tax burden associated with this type of income. However, investing in gold is justified for a very long period of time (more than 10 years) and allows you to save rather than earn.
The most liquid (that is, something that can be quickly bought or sold) are gold futures. But this needs to be learned. How to do this (and completely FREE!) is at the end of the article.
Real Estate Investments
The most reliable of all available investment methods, since people’s need for housing stems from the primary human need for security. There are only two disadvantages - the high entry threshold makes investing in real estate possible only for large investors (this threshold starts from several million rubles), and if it is necessary to convert it into money, this cannot be done quickly. I believe this is not our option right now. However, in the end, every successful investor comes to investing in real estate in order, as they say, to reliably “lock in” profits.
Personally, I like this option, since such an asset as real estate can be passed on to your children, or rented out to tenants, thereby receiving rental income
Mutual Funds - Mutual Investment Funds
Mutual funds are funds managed by private organizations, most often major banks. After collecting funds from all private investors into one common account (fund), they form a portfolio of assets. As a rule, these are shares of various enterprises, bonds, stock indices, and sometimes - in the case of closed mutual funds - it can be real estate. After some time, dividends are paid to investors based on the growth in price of these assets. Sometimes - especially during periods of economic instability - the profitability of mutual funds can exceed 20-40% of the nominal value of the share - if the management company “gets it right” with the assets. But much more often during periods of crisis, mutual funds lose value and bring losses to investors, since most assets where management companies have the opportunity to invest investors’ funds are able to generate profit only if their value increases. It is much more profitable to invest in mutual funds in post-crisis period - then mutual funds show income higher than bank deposits.
Personally, I am not a supporter of this investment tool. I believe that this tool is outdated and does not meet the requirements of investors of our time. A much better option for where to invest money in 2016 would be the following options.
Refund of funds already spent from the tax office / tax deduction
In addition to investing in gold, deposits, etc., you must not miss the legal right to get money already paid to the state back! I'm talking about the so-called tax deduction.
ATTENTION! Limited offer for my blog readers in April 2016
After choosing a broker, you will, of course, begin to trade. Therefore, we offer you, readers, a unique trading course on the Russian market, where you can watch how hundreds of thousands of rubles are earned in 1 trading day. Excellent practitioners of their business Dmitry Cheremushkin (prizewinner of the Best Private Investor competition with an income of 1208%) and Denis Stukalin (co-owner of the trading company XELIUS GROUP) show in real transactions how you can earn simply phenomenal money by making intraday transactions on futures on the Moscow Exchange.
The course included absolutely everything that could be useful to any active trader: determination of entry and exit points, a system for working with an open position, money management, a risk management system, a clear step-by-step business plan, tips on how to organize your workplace away from the hustle and bustle and much more.
You will receive a completely turnkey intraday trading business, as well as the opportunity to show your transactions to the authors of the course, which they will be happy to comment on and give their recommendations.
Perhaps this is the best video course on active trading on the Moscow Exchange. I almost forgot to give the LINK.
Where to invest money in 2016. Investments on the Internet
With the right approach, it is through the Internet that you can gain a lot of knowledge in the field of investing. All that remains is to find out how reliable the investment in a particular company is, and this is very difficult to do. There are especially many people who want to lure out your hard-earned money under any pretext. And then, hiding behind some colorful story, they will deceive you.
To reduce risks, I advise you to create your investment portfolio, which also contains bank deposits as a financial safety net. I strongly recommend that you work with several instruments at the same time!
Own training
The best thing to do at any time is to invest in your own education.
Personally, I recommend self-education, which will give a more tangible return than any deposit in a bank. I find the “Investing 101″ course, created by a well-known brokerage firm, very effective. The course is very complete. Everyone who registered on this resource and indicated me (blogrin) as an agent during registration receives free access to the material on this site.
In any case, I want to warn you, the reader, against high-risk investments and aggressive trading strategies. This is the first tip.
Agree that it’s time to honestly admit to yourself that the times when you could easily earn 25 percent or more per annum are over! Are you ready to risk losing all, absolutely all, of your money psychologically!? And how financially ready are you for this? Can you soberly assess your financial condition?
That’s why my second piece of advice is to consult financial professionals more often.
So, let's summarize, where to invest money in 2016 so as not to lose? Regardless of events and time, the line of behavior regarding money is always the same - money loves counting! And therefore, first of all, count your own money, draw up a personal financial plan that will take into account all your financial capabilities and all the risks of the financial markets. And only then start investing!.. I wouldn’t like to give universal advice. After all, if a medicine helps one patient live, it can kill another. It’s the same in finance - there is no panacea, and each decision to “treat finances” is purely individual.
Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂
There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀
In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest your money.
You will also learn about where you should not invest your money so as not to lose it!
And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍
Regardless of what amount of money you are going to invest: small or large, this article will be as useful as possible for you!
In addition, you will learn:
- What investment options are there, what are their returns and which one should you choose?
- Where can you profitably invest money on the Internet?
- How to invest money correctly so as not to burn out?
- And also about where it is better not to invest your money!
Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉
1. What is important to know about investments?
First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.
No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).
You should always remember this, because investments can bring both profit and loss!
Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.
Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.
But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉
In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:
- profitability,
- risk,
- payback period,
- minimum investment amount.
We will also consider all the pros and cons of each investment option.
Third to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.
For example, you can distribute it like this:
- conservative portfolio (bonds, real estate, precious metals...) - 50% of all funds;
- moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
- aggressive portfolio (currency market, cryptocurrencies...) - 20% of all funds.
❗️Important:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!
On the contrary, many people strive to receive maximum income, but at the same time completely forget about risk. And as a result, due to greed, they are left with nothing.
Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.
And if you have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.
Read this article to the end, because at the end of the article you will learn about other important rules of investing!👇
2. Where is the best place to invest money in 2019 - TOP 15 profitable investment options
So, let's finally look at the options and decide where you can profitably invest your money so that it generates income!
Option #1: Bank deposits/savings accounts
DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 6% to 8%.Deposit rates have been falling steadily downward in recent years and are likely to continue to fall in the future.
How to make money on stock growth - Google example
In 3 years, Google shares have grown by more than 100%!
For these purposes, so-called “individual investment accounts” (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).
☝️In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.
But of course there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!
The biggest risk for stocks (for those who bet on their growth) is a financial crisis! The rest of the time, shares generally grow steadily and show good profitability.
Alternatively, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:
- RTS (50 largest companies in Russia),
- S&P500 (500 largest US companies),
- NASDAQ (100 US high-tech companies).
If you do not want to invest personally, then there is an option to entrust your money to professional managers. But I will describe this in detail below.
CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| 15-100% per annum (change in share price + dividends) | depends on strategy | 1-7 years | from 5-10 thousand rubles |
| (⭐️⭐️⭐️ - medium/high) | (⭐️⭐️ - medium/high) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) With minimal/moderate risks, you can get relatively high returns. | (+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold. | (- ) Knowledge required. Uncontrolled risk and “flirting” with the market can lead to significant losses. | (- ) In the event of a crisis, shares can seriously and quickly fall in price. |
Option #4: Bonds
DESCRIPTION: Where do you think the big banks invest their money? Mainly in bonds! Yes, they provide a small income, but with a high guarantee and reliability. Especially if you take government bonds.Along with bank deposits, bonds are considered one of the simplest instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.
For those who don’t know, a bond, simply put, is an IOU. Only large companies and states can act as borrowers.
? By the way, Sberbank and VTB24 recently began selling national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .
I agree, not very much, but the rate is certainly better than most bank deposits currently available. Moreover, in the future, deposit rates may decrease.
You can also consider bonds of large, reliable companies - their rates will be higher! For example, on Sberbank bonds the average yield is approximately 9,2%-12,2% per annum (depending on the term).
At the same time, you can invest large amounts of money in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.
I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.
Bonds, just like shares, can be purchased through an individual investment account (IIA) without having to pay income tax (if you purchase them for a period of more than 3 years).
CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 7% to 15% per annum (for risky ones from 30% to 100% and above) | depends on bonds (for government bonds - very low) | 7-12 years | from 10 thousand rubles |
| (⭐️⭐️ - medium/low) | (⭐️ - low) | (⭐️⭐️ - medium/low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income. | (+ | (- ) Relatively low yield compared to stocks and some other assets. | (- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less confidence in it. |
Option #5: Forex
DESCRIPTION:
Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).
Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles per 1 dollar, and you sold dollars.As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).
You can trade on Forex either yourself or give money to professional traders to manage (this will be discussed in detail in the next section of the article).
When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.
It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise trading will most likely turn into a casino and lead to a sad result known in advance.
But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to strategy, then you can actually make good money on Forex. But this needs to be learned!
Although you can start on Forex with minimal amounts - from $1, you still need more or less serious investments (preferably from 100 thousand rubles), since even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be that big.
In my opinion, one of the most effective trading strategies on day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!
Among reliable brokers you can choose, for example, Alpari or RoboForex.
CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore riskier. However, with skillful investing you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 100% per annum and above | depends on the strategy (initially has a high risk) | 1-7 years | from 100 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If you have an effective strategy, you can get high returns. | (+ ) Low entry threshold and accessibility. | (- ) High risks, especially for beginners. You can lose significant money in a short time if you don't manage your risk. 99% of beginners lose their money. | (- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period. |
Option No. 6: PAMM accounts, PAMM portfolios, trust management and structured products
DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold...).
That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.
All you need to do is distribute the initial investment amount into parts (preferably at least 5-10) and invest in different managers.
For example, the Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.
At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.
⭐️ About profitability!
The income here can be quite acceptable - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!
PAMM accounts and PAMM portfolios for investments must be assessed based on at least 3 parameters:
- account/portfolio age,
- past profitability,
- funds invested by other investors.
For example, here is one of the most popular PAMM accounts on Alpari:
PAMM account “Lucky Pound” and its profitability (click to enlarge)
💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.
However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.
Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been generating losses over a long period. This is the whole secret of investment!
Read more about how to properly invest in PAMM accounts (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information there!
With larger initial capital, you can work with large stock brokers (for example Finam and BCS), which also provide various trust management strategies.
For example, you can give Finam in trust from 300 thousand rubles. Their website presents dozens of diverse strategies: conservative, moderate and aggressive.
Of course, both brokers and managers also cannot 100% guarantee that you will receive income.
I would like to tell you a few words about the so-called “structured products”.
They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).
The essence of structured products is that you also invest money in stock markets (more precisely in specific stocks, futures...), which experts expect will rise or fall in the future.
It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.
Here is an example of structured products on Alpari:
CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Especially suitable for beginners.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 200% per annum and above | depends on the type of strategy: conservative, moderate, aggressive | 1-8 years | from 500 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) By distributing funds among the most effective managers/strategies, you can get a good average return. Suitable for beginners. | (+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading yourself. | (- ) Relatively high risks compared to bonds and bank deposits. | (- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically. |
Option No. 7: Own/partner business
DESCRIPTION:
And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!
Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated, or simply invested in someone else’s business at the development stage.
Another option is to buy a ready-made business or open a franchise business (in this case the risks will be much lower).
Moreover, even if you have a small initial capital, you can still open your own business. Many people have opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and desire!😀
I myself started a successful business from scratch several times! By the way, if you look at the statistics, then among millionaires there are about 70-80% - these are entrepreneurs who started a business from scratch!
✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«
Read about how to find your favorite job/work of life.
If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s small at first. The main thing in this matter is not to be afraid take the first step!
Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?
Here are some more useful tips:
- Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
- Choose niches with minimal competition - they are easier to start in.
- If you have a small initial capital, then it might be worth trying a service business.
I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇
Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂By the way, goods from China are now very popular, where the markup can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page websites).
Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.
Moreover, in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).
In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.
Read more about how to organize in a separate article!
CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 1000% per annum and above | At the initial stage there is a high risk | from several months to 1-5 years | from 10,000 rubles (you can even start from scratch) |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) One of the highest returns among all investment instruments. | (+ ) It is easier for a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the idea! | (- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business. | (- ) You need to understand business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn. |
Option #8: Mutual funds
DESCRIPTION: Mutual funds can also be classified as trust management, which we have already talked a little about.
Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (investing in certain stocks, bonds...).
Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.
It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.
Mutual funds usually provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:
Profitability of mutual funds for 11 months
However, mutual funds do not provide a guaranteed profit, unlike bonds and deposits; there are also often unprofitable periods.
But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.
The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example Sberbank.
If this type of investment is suitable for you, then it makes sense to choose not one mutual fund, but several, in order to distribute possible risks.
And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on forums. With this simple action you will protect yourself from unreliable and fraudulent organizations.
CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 12% to 30% per annum | moderate | 3-10 years | from 1,000 rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The average yield exceeds interest rates on bonds and deposits. | (+ ) Low entry threshold, as well as state control of the activities of mutual funds. | (- ) There is no guarantee that you will receive income. There is an additional “commission” (surcharge) for the purchase/sale of shares. | (- ) You will have to pay 13% tax on profits - many other investments have preferential tax conditions. |
Option No. 9: Microfinance organizations (MFOs)
DESCRIPTION:
Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.
The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).
The longer the investment period, the higher the interest rate. The minimum period in MFOs is usually 3 months.
It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest money in bonds or in a bank at interest.
If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.
⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.After all, it is better to invest money in a reliable organization at a slightly lower interest rate than in a newly established microfinance organization with a high interest rate.
Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.
If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀
And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉
CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 10% to 30% per annum | moderate | 3-9 years | from 1 million rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️ - medium/low) | (⭐️ - high) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High rate relative to bank deposits. | (+ ) Passive income. Minimal participation on your part. | (- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles. | (- ) Increased risk, since there is no deposit insurance - in the event of bankruptcy, no one will return the money. There is fraud. |
Option #10: Precious metals
DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. Moreover, such investments are highly reliable!
It is especially important to invest money in gold and other precious metals during a crisis, since this is where money migrates from the stock market.
Gold coins/gold bars can be purchased from almost any bank (Sberbank, Gazprombank) or from brokers (for example, Alpari).
Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for a longer term period of 3 years or more.
Gold prices - chart
❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.
The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.
However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly in price since 2012 and is currently in a sideways trend.
CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term for the purpose of preservation.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 3% to 15% per annum (in a crisis the yield is higher) | Minimum | 7-20 years | from 1000 rubles |
| (⭐️ - low) | (⭐️ - low) | (⭐️ - low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time. | (+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis. | (- ) Low profitability during periods of economic growth and development. Income tax is 13% on the sale of gold if the holding period is less than 3 years. | (- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold. |
Option #11: Cryptocurrencies (Bitcoin)
DESCRIPTION:
Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.
Of course, the best time to invest was a few years ago when Bitcoin was worth around 150-200 dollars.
Some experts say that in the future Bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.
Others argue that Bitcoin is about to collapse. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably increase in price.
Moreover, while cryptocurrencies are showing a steady growing trend.
But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it and yet it is a rather risky investment instrument.
For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!
CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for themselves, one thing is clear - it is definitely not worth investing all your money in them!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 1,000% per annum | elevated | from 3 months to 1-5 years | from 100 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very tall) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If cryptocurrencies grow, you can multiply your invested funds in a short period of time. | (+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency. | (- ) Very high volatility of cryptocurrencies; in a matter of days they can both rise in price and seriously collapse. Low predictability. | (- ) Cryptocurrencies are not backed by anything, as this is another bubble. There is a complete lack of guarantees - if you lose money, no one will return it. |
Option No. 12: Internet projects (online business)
DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on this global network.
It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.
The following directions are currently popular:
1. Websites. Information websites are created and filled with unique content.
With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.
WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very wide, since the topic of the site determines how much income you will receive.
Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.
But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.
2. Social publics. Surely almost each of us is subscribed to some community on social networks (VKontakte, Facebook, Odnoklassniki...).
Meanwhile, the owners of such public sites also earn money mainly from publishing advertising posts. In public pages with millions of subscribers, the cost of one advertising post can be 2-7 thousand rubles .
Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, you won’t have to wait long for success!
3. CPA affiliate programs/traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods/services.
For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.
If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, the main investments here go specifically to advertising.
But in this case, experience plays the main role, without it you can’t go anywhere!
4. Online services. You can also invest money in creating an online service. These include various freelance exchanges, message boards, exchangers...
For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.
For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is with the help of exchangers. By the way, you can also purchase bitcoins using exchangers.
Exchangers, in turn, charge a small commission for the exchange (usually 1-5% ). Due to turnover, a fairly decent income is obtained.
5. Applications for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is circulating.
Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.
❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.
Even if you don't know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.
Here, as elsewhere, the key role is played by the idea - the success or failure of the application depends on it.
6. Hype. HYIPs are in reality a financial pyramid that lives off the funds invested in it.
Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.
There are HYIPs that “live” for several months or even several years, but the profitability on them is correspondingly several times/tens of times lower.
In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).
And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand this.
CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 500% per annum | moderate | from 3 months to 2-4 years | from 500 rubles |
| (⭐️⭐️⭐️ - high) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High profitability. The investment can pay off very quickly. | (+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort. | (- ) There is a risk that the project will not take off and will not pay for itself. | (- ) Knowledge will be required. You need to have a good understanding of the key nuances of online business. |
Option #13: Venture funds/investments
DESCRIPTION:
Venture funds are especially widely developed abroad; in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.
The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.
A distinctive feature of venture investments is their very, very high returns, they can bring in thousands of percent!
But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.
☝️ Real example!
Today's largest companies Apple, Google, Intel... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .
There are basically several ways to invest money in startup projects:
- crowdinvesting and crowdlending platforms (suitable for beginners);
- venture funds;
- investor clubs.
CONCLUSION: Yet venture capital investments are poorly developed in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 40% to 3000% per annum | elevated | from several months to 1-3 years | from 10,000 - 100,000 rubles (to venture funds - from $500,000) |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very tall) | (⭐️⭐️⭐️ - high) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If successful, you can get the highest possible return. | (+ ) It is not always necessary to invest large amounts of money at the start of a project. | (- ) Very high risks, most starting projects turn out to be unprofitable. | (- ) Fraud is widespread - investment platforms can turn out to be financial pyramids. |
Option #14: Art objects
DESCRIPTION:
Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.
It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent profit on investments.
❗️ The only important feature is that such investments often require large investments . And besides, to get a good return you need to invest for a long period ( decades ).
Like investing in precious metals, investing in art is not subject to inflation and will only become worth more over time.
And the crisis has virtually no effect on the value of art objects.
CONCLUSION: This type of investment is suitable for those who understand at least something about art and are ready to invest money for the long term.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 100% per annum and above | minimum | usually from 1 to 3-5 years | from 100,000 rubles and above |
| (⭐️⭐️ - medium/high) | (⭐️ - low) | (⭐️⭐️ - average) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) You can get relatively high returns with minimal risks. | (+ ) High reliability. Over time, art objects only increase in price. | (- ) Often, investing in art requires a large initial capital and involves long-term investment. | (- ) You need to be a specialist, have specific knowledge and experience. |
Option No. 15: Knowledge and personal development
DESCRIPTION:
No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience...).
It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.
I think more than once you have heard stories about how most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).
In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow!
If you have free funds, then it makes even more sense to invest some of it in your development: attend trainings, webinars and seminars.
One of the most important differences between investing in knowledge is that no one can ever take it away from you. You can lose everything, but not the acquired skills and experience.
For example, in the USA they conducted an experiment: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after just a couple of months he managed to earn tens of thousands of dollars from scratch.
CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t forget that even a bad experience is also an extremely valuable experience! 👍
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| endless | minimum | from several weeks/months | from 0 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️ - very low) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The most important and most profitable asset in the world is knowledge, skills and experience. | (+ ) No one can take away your knowledge and experience, and you will always be able to turn it into money. | (- ) For many, it is difficult at first to motivate themselves to study. | (- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience. |
3. Golden rules of proper investing - TOP 5 tips
And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!
First, what I already talked about at the beginning of the article is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.
Instead of investing everything in one tool, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.
If you have very little money, then think about starting your own business.
Second— try to invest most of your funds (40-60%) in assets with the lowest risk; the optimal choice between profitability and risk, in my opinion, is real estate.
And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.
Believe me, this is an already tried path on which hundreds of millions of rubles have been lost!
It will allow you to survive unfavorable times and find other sources of income.
Fourth- create passive income so that you can receive money even when you are not working.
Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.
It will also be great if you learn to give 10% of your profits to charity.
As Socrates said:
There is only one good - knowledge and only one evil - ignorance.
4. Where to invest money to earn money - specific examples
In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!
I will not consider very risky investment options in these examples. Let's consider only conservative and moderate-risk investments.
- Where to invest 100,000 - 200,000 rubles?
100 - 200 thousand rubles is not such a large amount, so I would most likely invest it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.
As an option, if you do not want to invest in a business, you can consider bonds. As a last resort, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.
If the risk allows, you can try investing in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.
- Where to invest 300,000 - 500,000 rubles?
This is also a relatively small amount by investment standards. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.
If there is an option to purchase within this amount real estate at the construction stage, then you can invest in it.
— Where to invest a million rubles?
Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.
For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.
Or alternatively:
- You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts/portfolios, or invest them in mutual funds.
- But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also advisable to divide the amount into 3-5 parts), gold, art objects...
- I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
- With the remaining amount you can try to open a business (including on the Internet).
5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud
At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.
The world is full of people who invent various schemes to steal money through fraud. Especially nowadays, fraud flourishes abundantly on the Internet (and not only!).
Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.
Both on the Internet and in real life, people often come across “super profitable” projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payments, very favorable conditions, etc. - all if only people would invest their money. 
Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from other people's greed!Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!
The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on the investments of gullible people.
Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.
Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.
Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.
I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).
Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞
If you are not yet particularly versed in a particular investment object, then invest time and money (it is not even necessary) first of all into your knowledge ! This will be your most profitable investment!
6. Conclusion
Well, you have learned about all the most popular and profitable areas for investing money.
Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!
I hope my experience was at least a little valuable for some of you and you have already decided where to invest your money! 😀
Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !
❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!
Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍
P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!
Since technology and time do not stand still, every year more and more new opportunities open up for investing your savings and at the same time getting a good income from them for the year. Today, not all projects can be called very profitable, but there are still some quite effective projects, investing money in which will lead to. But there are also those that can only lead to the loss of all invested funds.
If an investor wants to get a really good income and not lose all the money invested, he should carefully understand the current situation and then begin selecting the best areas for investing in projects. And in order for the risks to be sufficiently low, it is necessary to work out all possible risks and reduce them to a minimum level. Unfortunately, this task is quite difficult, but completely solvable, you just need to spend your time on it, and of course, work out all the nuances of investing money in a particular project.
Where is the best place to invest your savings in 2016?
You can consider specially designed schemes that help you get a permanent income, but these schemes, unfortunately, are not legal, so this article will provide simpler and more legal methods of investing money. Moreover, these methods will be the easiest to implement, since they do not require any special costs or actions on the part of the investor. Below is a whole list of projects worth investing in.
Bank deposits
This method of making a profit was and remains the simplest, but also less profitable. This method will rather help you not to gain a small income, but simply not to lose your savings. For example, Sberbank offers its depositors only 9.52% of the amount that was deposited into a bank account per year, this is a fairly low percentage and it is simply impossible to get a good income from bank deposits. Still, this method of depositing money has its own advantage - banks can reliably keep money in the account, but it is unlikely that they will be able to increase it in a significant amount. For example, at the end of 2015, most banks set the rate of return at 10.05%, this is very low, so if you just need to save your savings, then you should invest them in the bank, but this method is not suitable for generating income.
I would like to note that deposit rates were significantly increased due to the crisis, but when the country begins to improve its financial situation, interest rates in banks will decline. In addition, it is best to insure your deposit with a bank, especially if a lot of money has been deposited into the account.
Investing money in buying an apartment or house
This is another not bad method of investing your money in 2016. Real estate is ideal for investing your money in it, people will always need somewhere to live, young families rent or buy apartments, but it is the apartment in our time that is the main part of a person’s life, it is the “roof over their head” that a person will pay for constantly.
Today, investing in real estate is considered the most profitable and saving your money. But it is still worth learning about such investments in more detail in order to take into account all the aspects of such a contribution. If a person can take into account all the nuances of such a business, then in one year he will increase his invested income by up to 30%, and this is a very good profit. But the most thoughtful investors can receive even more than 100% profit from their investments. Although many people think that investing their money in real estate is too expensive, according to many experts, this method is not as expensive as it seems at first glance. If you find a suitable option, you can pay not so much money, but still get a very good income.
Contribution to trust management
Probably many people have heard about projects such as PAMM technologies or about a company such as Multi-Account-Management. These projects provide an opportunity to invest your money in such a way as to get the most decent income from it. If an investor has not yet decided where to invest money in 2016 in order not to lose, video expert advice suggests that such projects have become the most popular in the last few years. But it is very important to choose a manager who knows his business perfectly and will be able to receive a constant and stable income from investments, while eliminating all risks that contribute to the loss of investments. To start making money, it would be best to select two or three very good brokers in advance; they must know their business and have been providing such services for at least 3-5 years. Once a broker has been found, you can find a suitable manager on its site; often there are quite a lot of them, so it would be better to analyze each of them in order to choose the best one.
Many people do not know what kind of profitability such investments can bring; in fact, investing in such projects is quite profitable. If we talk about more realistic figures, investment income can reach from 50% to 150% in one year. If someone promises to receive a higher income, this will indicate that the manager is risking the investor’s money is not justified; it is better not to risk your investments and select another manager. If the investment portfolio is well diversified, this will help reduce the risk of losing your investments to a minimum. You can order an investment portfolio in advance to familiarize yourself with it. But at the same time, it is important to immediately start familiarizing yourself with the information that is publicly available on the Internet, where you can find out the brokers’ opinion about the income from such investments.
Investing money in precious metals (gold)
Since the cost of a bit today is extremely high, many people want to discover deposits of this precious metal themselves. It is precisely because of the constant search for gold that more than eighty thousand expeditions can be organized in a year to search for this precious metal. As you know, more than eighty percent of all gold deposits have not yet been found. Natural precious metals, as before, have a fairly high value, so if you want to get a very good income, then you should buy gold or other precious metals, which will certainly never fall in price. I would like to note not only such a metal as gold, but also palladium, silver and platinum. All these metals have their own value, which does not decrease every year, but rather increases. You can simply purchase whole bars of such metals, or start trading on the stock exchange, where the cost of gold can be very high. Not only will such trading bring profit, but the plus is that today trading on the stock exchange is in trend. But it is important to invest your investments in precious metals correctly; it is best to consult knowledgeable people about this, or at least just read more information about how to properly invest money in gold or silver.
Make a contribution to "black gold"
Black gold in our country is called ordinary, but very expensive oil. While people can live without gold and other metals, it is simply impossible to live without oil, because a lot depends on its purchase. It is from oil that one can obtain gasoline for cars and diesel fuel, which is so valuable today. Also, it is oil that is involved in the generation of electricity, and many other necessary products for transport are obtained from “black gold”. People who are accustomed to making their investments in oil get their profits very well when the price of petroleum products begins to rise, because this means that the price of oil also increases greatly. But investors can benefit not only when prices for this product increase, but also when the price of “black gold” decreases. Nowadays, technology has come so far that even a drop in price can bring income, and this is quite realistic.
Do you know how to do it? Our advice will help you with this.
Investing in Domain Names
The name is not familiar to many, so for most investors such an investment may seem unpopular and even “exotic”, but today it is the Internet that rules people and money, so investing in domains is very profitable. The name of the site can bring quite a decent income to those who have invested their money in this name. There is one of the largest domain sale deals in the world; in that deal, the investor was able to earn exactly three hundred and sixty thousand dollars on his domain. Nowadays, it is online business that is gaining particular popularity and many are ready to quit their real-life activities in order to immerse themselves in the world of the Internet and earn real income at the same time.
Currently, there is a serious decline in the Russian economy. The consequences of a protracted crisis and stagnation negatively affect all citizens, reducing the level and quality of life of the population.
Today, economists are making pessimistic forecasts about the country's near future. The negative impact will be visible for at least another 2-3 years.
What can we expect from the Russian economy in the near future? Devaluation of the national currency, serious reductions in interest rates on deposits and increases in bank loans. Stock exchange players will also feel the tension. Such forecasts cause fear not only among ordinary people, but also among those who are well acquainted with economic processes and the financial sector.
Increasingly, citizens are thinking about where to invest a small amount of money in Russia in 2016 without incurring financial losses. Everyone has their own desires: some want to increase, others want to preserve their accumulated wealth. Thinking about the economic crisis, a person begins to look for ways to create a financial safety net.
But are all financial instruments so effective and profitable today?
Naturally, any investment is associated with certain risks. That is why it is very important to compare the level of possible income with the hidden dangers. To learn how to invest correctly, you need to be involved in the economy and be able to predict the further development or decline of the country.
Bank deposit
It is hardly possible to call deposits profitable investments, especially taking into account the unstable situation in the country. Deposits will bring little income. It makes no sense to consider this tool in the long term. If the client wants to protect his funds or is saving for a serious purchase, then opening a deposit would be a good idea.
You need to take the choice of deposit currency very seriously. The most popular are rubles, although it is more promising and reliable to operate in euros and dollars.
It is necessary to carefully calculate the period of deposit storage in the bank. If you need money urgently, the accrued interest will be burned almost completely.
We need to take seriously the assertion that putting your eggs in one basket is extremely risky. Therefore, it is worth considering the possibility of splitting assets into several parts and further investing them in different banks.
How to choose a reliable bank to open a deposit?
The success and safety of investments depends on the correct choice of bank. It's worth checking out the reliability rating. Contacting a government agency will be the safest solution. You should take a closer look at the largest banks, such as:
- Sberbank;
- Gazprombank;
- Alfa Bank.
Every year the same financial institutions receive a high level of reliability. The opposite situations are rare. That is why the reliability rating can be an excellent filter for choosing the most suitable and safe place to store and increase your own funds.
Investments in mutual funds
Before you figure out which mutual fund to invest your savings in, you need to understand what these funds are. A mutual fund is an organization professionally engaged in investing the funds of its investors in various financial instruments. As a rule, smart funds create different investment portfolios, diversifying risks.
Payment for the services of mutual funds is made from the income received from the activity. The investor himself is responsible for the investment. Today this source of income is considered quite reliable. It can increase the amount of savings of investors.
When choosing a suitable mutual fund, you need to focus on its policy. It is better to choose organizations that operate in demand securities. The investment market is quite often subject to various fluctuations. The amount of profit on it depends on the success and sustainability of the shareholder company.
If you look at the results of most serious investors, we can talk about a positive experience. True, recovery after the last crisis did not happen immediately for many of them, but after several years. Some investors even managed to make a profit during the stagnation in the country. In some cases it reached 40% of the initial capital.
One of the most important advantages of this method of investing is the freedom of the investor regarding the period of storage of funds in the mutual fund. He can withdraw his money at any time and receive a certain profit.
Binary options
This type of investment is considered a high-risk investment. A person, as a result of his activities, either loses everything he invested or receives a certain income. The meaning of such investments is to bet on the fulfillment or non-fulfillment of a certain condition by a specific period. Binary options are an opportunity to quickly get rich or go bankrupt.
Those who are well acquainted with marketing should look for themselves in this area. Success depends on the ability to identify risks for specific transactions and redistribute invested assets so as to obtain income with the highest probability.
Success also depends on the reliability of the broker and the leverage they provide. Gambling people are not recommended to try themselves in this area.
Investing in your own or someone else's business
Having capital and wanting to become a business investor, a person can go in two ways:
Invest money in your business
During an economic downturn, the most reliable tools for multiplying capital are small businesses. Even though the income may not be that big at first, a wave of enthusiasm will help a person realize himself and open up.
If the business has already been established, then it can act as a reliable catalyst for the growth of equity capital. Moreover, the income in this case can be called stable and tangible.
In searching for a suitable direction, a person must:
- Seriously approach the study of the niche and the main competitors.
- Use ready-made diagrams. This will allow you to reach the desired level of income with the least risk.
- Initially, take a closer look at the service sector, since it requires a minimum initial capital.
- Try not to borrow money to open a loan.
- Stop being afraid that he won't succeed. Self-confidence and constant work are the key to successful business development.
Invest money in someone else's business
This type of investment is quite risky. In order not to burn out, you need to be confident in success. Usually people invest in the business of friends knowing what to expect from them.
To get maximum profit, you need to participate in the process of business development, and not just invest money. Investing all your existing assets at once into someone else’s enterprise is extremely risky and dangerous; it is better to limit yourself to investing a small amount of money.
Purchase of shares
Securities, if used correctly, can become a powerful financial instrument that generates stable income. By entering into the share of a joint stock company, a person becomes a recipient of dividends.
You need to understand the difference between preferred and non-preferred shares. Some provide a stable income regardless of the financial result, while others can bring zero profit.
By investing in shares of stable companies, you can hope for a gradual increase in the value of securities. Unfortunately, unexpected falls of giant companies sometimes occur. In such cases, the shareholder may lose everything.
If you don’t have any special skills or experience investing in securities, it makes sense to seek advice from an experienced trader.
Precious metals
Investments in precious metals are not among the most profitable, but they are one of the safest investments, especially when it comes to gold.
Today people buy other metals. In addition to gold, the most popular precious metals include silver, platinum and palladium. They are not afraid of the crisis or inflation in the country. That is why people who look far ahead invest in them.
You can buy precious metals in the following ways:
- purchasing bullion through banks;
- purchase of precious, including exclusive (copyright) coins;
- purchasing antiques and other art objects;
- purchase of securities backed by gold through stock exchanges;
- creation of impersonal metal accounts and handling them.
When buying precious metals in any of the listed forms, a person should not count on huge profits. But such investments have a very important advantage - their reliability.
Investing in educating yourself
Many people associate the concept of investment exclusively with material wealth. In fact, it is almost impossible to become a successful businessman without perseverance, work and experience. That is why you should not save on your own development.
When investing money in yourself, you need to choose the right areas for spending. Funds should be invested in the following instruments:
- books (mainly with a practical bias);
- all kinds of seminars and trainings conducted by successful people (it is better to choose businessmen from your niche);
- useful information products that help you earn and invest correctly.
The deeper a person dives into the specifics of the industry that interests him, the more clearly he understands which ways of making money can really work and which are obviously ineffective.
We must not forget that investments will never depreciate or disappear; they are not afraid of crisis or stagnation. It is this direction that is today one of the most promising methods, as it provides for low costs and high profits. At the same time, investing in yourself can also be used to actively combat the crisis.
Wanting to start investing, a person must pay attention to his own development in order to become “doomed to success.” Knowledge is a real catalyst for profit growth and business success.
Video about investing small amounts
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