What to invest in. The most profitable capital investments in Russia. Where not to invest in order not to burn out

Content

The money earned is often set aside for the purchase of large things. But not many people are informed that there is an opportunity to increase their savings by investing them in a profitable business or buying shares. It's time to figure out how to profitably invest money and at the same time make a profit.

What to invest in

Until quite recently, citizens of the country did not have a large number of options where to invest money: they were offered only bank deposits and the purchase of privatization checks. Today, investing money is a new tool that provides an excellent opportunity not only to receive a bonus in the form of additional cash receipts, but also profitable investments for years to come. Such actions create fertile ground for passive income. A person can do various things without delving into the intricacies of the everyday life of stock brokers, but at the same time receive a guaranteed income.

Financial investments

Investing free money in financial instruments in order to receive profit from this is financial investment. What is meant by these instruments at the present stage of market development? These can be the following investments:

• bonds;
• stock;
• futures;
• precious papers;
• options, etc.

Direct investments

To participate in the management of the company, there are direct, or real investments. This is a risky type of capital investment, because in this way the investor invests his money in a business that is only at the stage of its formation, and he can receive profit only if the business develops successfully. Another distinctive feature of direct investments is their long investment period and less liquidity compared to other types.

It is worth noting that professionals should invest in real investments, because in addition to financial investments, a person must have a number of knowledge that will help him to properly manage the enterprise, its labor and financial resources. He must have great connections with the aim of organizing the sale of products and much more - otherwise the business will quickly go bankrupt.

Direct investment implies a high return, they are not subject to strong influence on market fluctuations. In addition, the investor will be able to cover his expenses in certain cases by selling not only manufactured products, but also the material assets of the enterprise. According to their characteristics, real investments themselves are divided into tangible and intangible.

Speculative investment

This type of investment is of interest to those people who want to make a profit on changes in the value of their assets. They are characterized by increased risk, since it is impossible to fully predict the profitability, especially in the presence of an unstable situation in the economy. This type helps to get a significant return on investment, although sometimes you can lose everything. The main instruments of speculative investment:

• currency;
• precious metals;
• futures;
• options;
• securities;
• real assets (oil, gas, etc.).

Where to invest money to make it work

Where to invest money - everyone should answer this question for themselves, since depending on the amount of money, the availability of certain knowledge, you can choose the right option. A person can choose passive investment. This type of investment does not imply active participation in the formation of profits - investments are given to the management company, which deals with all investment issues.

If investing money for the purpose of making a profit implies active participation in the formation of income, then you can also seek help from a specialist who is well versed in all the vicissitudes of the exchange and financial affairs. He will be able to direct on the right path and indicate where to invest money by creating a profit scheme in terms of the wishes of the investor.

Real estate investment

Investments in real estate can be made in several ways:

• purchase/sale (resale) of living space;
• purchase/sale of commercial real estate;
• renting out real estate;
• provision of real estate services.

Investing in real estate is a risky business, because it gives a good opportunity to earn a good margin on the difference from the value, but on the other hand, real estate can depreciate sharply at some point, so by investing money in this way, you can lose big. In addition, to purchase real estate, you must have sufficient financial resources, which not everyone has.

Invest in business

Opening a personal file - what could be more pleasant? And moreover, so that it brings significant profit - doubly pleasure! Investing in your own business is a risk, as it involves moral and material costs. There is always the possibility of bankruptcy, especially if you do not have sufficient knowledge to run your own business. On the other hand, this type of investment is an opportunity for self-realization and high profitability. In addition, there is an opportunity to invest in someone else's business on the terms of partial entry into the business or complete purchase of the company.

Put money on deposit

Deposit is one of the most popular investment methods, which is a stable way to increase. Investing money at a high interest rate in a bank is unlikely to succeed, since financial institutions set rates according to the policy of the Central Bank of Russia, and it does not allow banks to engage in this kind of speculation. It is profitable to invest money in a bank at interest - this is an option for depositors who do not like to take risks and are used to calculating the amount of their income for a certain period of time.

The process of investing money is simple and developed over the years:

• At the initial stage, it is necessary to study all kinds of offers and choose from them those that are best suited in all respects.
• Then you need to come to the bank to conclude an agreement. It should be borne in mind that many institutions offer online registration of deposits, which simplifies the procedure.
• Interest payments can be collected every month or at the end of the deposit term.

Investments in the stock market

Such a tool for making a profit is complex and requires certain knowledge, skills and constant improvement from the investor. Proper investment in stocks is the prerogative of experienced participants, but if you have a desire, you can always try something new. Where else can you invest money?

• stock;
• futures;
• options;
• bonds and other securities.

Investments in mutual funds

Mutual investment funds offer their clients to acquire a share (buy a share) in an investment portfolio, which consists of a list of securities of various enterprises. A specially trained person, who is called a manager or broker, selects products. He monitors and analyzes the state of the market in order to respond in a timely manner to changes in the value of the components of the financial portfolio. This type of investment is ideal for beginners, because in this way they can learn the basics of stock trading in practice.

Where to invest money online to make money

The World Wide Web is not only a space where you can search for information, meet people or play online games. Here they successfully earn money, but very few people do it. It is possible to make secure deposits on the Internet in certain projects. Invested money can bring tens of percent per annum.

You can play with money on the stock exchange - Forex is suitable for this, and if games with currency (dollars, euros, rubles), cryptocurrency (bitcoins, etc.) are not suitable, then you can invest in a PAMM account. There are many more ways and ideas where to invest money, which provide an excellent opportunity to earn money on the World Wide Web, but this is a question for a separate study.

Investments in currency

Every day, you can earn a lot of money on the currency exchanges, however, here you should have knowledge and skills, be ready to devote many hours to this business, both day and night, and sometimes all day long. Investing in Forex and similar tools is a business for professionals, although beginners can also invest here, because a great opportunity has been created for them - to try their hand at specially designed simulators.

Investments in precious metals

Is it profitable to invest in precious metals - there is hardly a specific answer to this question. Yes, they are practically not subject to inflation, such deposits are reliable, they are not affected by external factors, but investments in precious metals also have their own nuances. There are several options for this type of investment:

• buying jewelry;
• purchase of ingots;
• opening a so-called metal account;
• purchase of commemorative coins.

Non-commercial social investments

Investment of money and other resources in objects of the social sphere (for example, investments in education, culture, etc.) in order to get some profit or other effect - this is NSI. These tools imply the interaction of authorities, inverters and society in order to improve the quality and standard of living and services for the population or certain groups. These are investments in order to achieve a positive effect or structural reforms from the implementation of certain programs.

How much can be invested

How much money to invest is a difficult question to which no one will give a definite answer. It all depends not only on the desire of a person, but also on his financial capabilities. For some people, an indicator equal to 1000 rubles in cash every month will be considered a great success, and someone decides to invest money in order to get at least 100% growth.

For investments such as real estate or direct investments, you will need a decent amount of money, and for a bank deposit, it will be enough to invest a few hundred rubles. For this reason, the minimum investment amount can be any - it all depends on the income and savings of the investor, as well as on the amounts that he can afford to invest.

Where can I invest a small amount of money

Often the question arises, where to invest a little money to increase capital? At first glance, this is difficult to do, but you should not rush to such an incorrect statement, since even a small amount of money can bring a nice bonus. Over time, the money received can be involved in working capital and have a good income in the future. To do this, it is allowed to use several options where you can invest the money you earn. Some of them may seem unrealistic, but in fact, many investments do not involve large investments at the initial stage:

• Bank deposit;
• purchase of precious metals/bars;
• trust management;
• investing in someone else's business as a partner;
• mutual funds;
• securities;
• PAMM accounts;
• earnings on the Internet;
• opening your own website and placing contextual advertising on it.

Video: ways to invest

How to reduce risks

How to reduce labor intensity

How much money to invest

Current types of low-risk investments

What to look for when choosing where to invest

To understand whether it is worth investing in a particular source of income, it is necessary first of all to determine the criteria by which it will be determined whether this idea is worth it or not.

If we limit ourselves to three simple criteria, then we would like to highlight the following:

Yield

Profitability is undoubtedly one of the determining factors when choosing where to invest money in order to earn. It is measured most often as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just save it, then, at a minimum, the rate of return must be higher than the annual inflation rate. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5%, which is lower than the average annual inflation rate, which for the last three years until 2017 is 9.9%. Therefore, in order to invest money at a high interest rate and earn on it, it is necessary to use other opportunities, which we will consider below.

Risks

The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the probability of occurrence of events in which the investor may lose profits or even his investments. If, when considering ready-made investment proposals, the amount of return is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to delve into yourself, and what the project actually earns on, how long this process has been established and whether a situation can arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts who understand and understand this. You also need to understand that most often, the higher the yield, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a low percentage, and as you gain experience, switch to more profitable offers at a high percentage.

Labor intensity

If in pure investing, when you invested money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in your own business, an additional factor appears, like labor intensity - this is the amount of time spent working, multiplied by the experience and expertise of the performers. In other words, how much time you or your team will spend developing the business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but at the same time, the necessary labor intensity of the process greatly increases, especially if you yourself participate in business processes. At the same time, risks have an inverse relationship with the experience and expertise of the team, that is, the more experience and knowledge, the less risks.

Where to invest in 2019 so as not to lose - advice from Moscow experts

When there is an understanding of what factors are decisive when choosing where to invest money so that they work, you can already consider and evaluate specific investments, which we will now do.

All options will be connected in one way or another with secured loans.

We believe that such investments, for objective reasons, are the least risky, but at the same time they have a high return.

At the same time, everyone will be able to find an acceptable type for themselves, based on possible labor costs and the availability of expertise.

To begin with, we will tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans issued by financial companies (IFIs, CPCs, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Interest rates on such loans are much higher than those of bank loans, and range from 40% to 100% per annum on average. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, and they do not have the opportunity to undergo long and thorough bank checks. The second category of borrowers are people with a damaged credit history, for whom the road to banks is closed. Or people who do not have the opportunity to confirm their unofficial income.

All loans are issued either secured by real estate or secured by cars. At the same time, the maximum loan amount most often does not exceed 50% of the market value of the collateral object, and the loan term is usually not more than one year. If the borrower cannot repay the loan, the collateral object is sold at market value, which allows covering both the principal amount and the amount of accrued interest. If there is a difference, it is transferred to the borrower.

It is the presence of collateral that ensures the minimum level of risk for the investor, financial companies and this activity in general.

In 2019, according to experts, activities with secured loans became especially popular and in demand among borrowers, while worthy players appeared on the non-bank lending market, allowing ordinary individuals to invest in this area without any labor costs and not only not to lose, but also make good money on it, having received your interest with a guarantee secured by the presence of collateral.

Now that we have figured out how it works and why the risks are minimal, let's move on to considering specific types of investments, their profitability and labor intensity. There are three options in total:

• Profitable treasures from 14% to 22% per annum
• Investing-Easy at 24% per annum
• Investing-Profi up to 100% per annum

Let's dwell a little more on each of the options, and you can learn more about each by clicking on the appropriate link, where you can also leave an application for participation in the corresponding program.

Profitable savings

This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: you invested money and received income at the end of the term or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Savings companies:

This type is for those who want to immerse themselves more in investing in secured loans and get a higher return on investment than in conventional deposits. Here, the investor directly issues secured loans on his own behalf, but all other business processes, such as searching for borrowers, underwriting (risk assessment and verification of the borrower), collateral assessment, drafting contracts, accepting payments and others, are carried out by qualified specialists. The labor costs of the investor are the consideration and selection of investment proposals and the presence at the conclusion of the contract. Yield 24% per annum. Suitable if there is an investment of 300,000 rubles, it is optimal to invest 500,000 rubles or more.

The most profitable, but also the most time-consuming type of investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for the search for borrowers, must be carried out independently. Profitability up to 100% per annum. A good option where to invest 1,000,000 rubles and in a year and a half to earn a million rubles from above.

Where is it profitable to invest money at interest - a comparison of options

• Risks
• Payouts
• Labor intensity
• Investment amount

The first most popular and most commonplace type of investment is in banks. I do not consider it at all as a type of investment due to the very small income. For me, a bank is just a store for money, which is a little better than keeping money "under the pillow" at home - the bank is more reliable and brings at least some pennies.

I keep money in the bank only as a financial cushion with the amount of funds for life for no more than the next 6 months. For all other funds, the bank is used as a transshipment point, after which the money goes to other financial instruments.

Nevertheless, if you decide to use the bank as an investment tool, then you must remember that it is better to distribute funds among banks in such a way that each contains an amount of no more than 1,400,000 rubles, because. insurance covers only this amount of funds. Naturally, you need to choose a bank according to reliability and popularity - this can be seen in all ratings and work with the top ten banks. If you really want reliability, then it is better to choose banks where the state is a partial owner - it is unlikely that the state will stop the activities of its bank. These are such banks as Sberbank, Rosselkhozbank, VTB, etc.

I use 4 banks: Moscow Credit Bank, Tinkoff Credit Systems, Sberbank, VTB.

2. Investing in real estate

Popular form of investment. Usually, if you ask a person “what to invest in”, then real estate will come to mind for most.
Many first of all remember real estate because of the banal point of view that if there is free money, then for fear of losing it, it is better to invest it in real estate, and there it will definitely remain. Many simply do not consider real estate as an investment tool specifically for creating money, but they approach it from the position of saving money. But if real estate is considered precisely as an investment instrument, then it is far from being so simple, it requires knowledge, experience, it freezes money for a long time and the profitability is not always stable and high, and also requires a large initial capital. If you invest borrowed money, then you generally need a lot of experience, which is clearly not suitable for everyone.

If real estate is considered as an investment tool, then I would recommend considering buildings at the “excavation” stage, because. they can give the maximum profit. Especially if it is an investment in luxury housing. At the stage of "pitting" it can cost 10-15-20 million (in Moscow), and after construction, all 30-40-50 million - there are such examples.

If you plan to continue to receive income from renting out, then it is better to buy a lot of one-room apartments (next to the metro - this increases the cost of rent).

Be sure to study the infrastructure of the area and its future for the next 3-5 years. It is the infrastructure that greatly affects the possible profit in this type of investment. .

3. Investing money in MFIs (microfinance institutions)

An excellent way to invest for those who want to receive reliable passive income, but are dissatisfied with a very small percentage in banks.

Advantages and disadvantages:
+ high annual percentage: 12-30%
- a fairly high entry threshold for individuals (this threshold is regulated by the state), i.e. with small amounts, you simply do not have the opportunity to try this method;
- you need to carefully choose an organization, because no state deposit insurance; but here the principle applies: the larger and older the organization, the more reliable, but you must also remember that a reliable organization will not give you a very high annual percentage.

4. Investing in mutual funds

You invest in a fund where it is professionally managed by a company. In my opinion, the instrument has a very average profitability, but in principle it is stable. The main thing is that there are no serious fluctuations in the securities market (if you have chosen a mutual fund with securities that are the most popular). If you look at the statistics, then after the 2008 crisis, mutual funds returned the lost money to investors somewhere only by 2011-12, i.e. if you invested money before the crisis, then you returned the invested amount without loss (and, of course, without income) only after 3-4 years.

From my experience - I invested in a mutual fund of Telecommunications from TroikaDialog and in a year and a half it gave + 44%. Then the fund was transferred to Sberbank Asset Management, then I withdrew the money from the fund.

Very detailed about mutual funds in my articles:

5. Binary options

Binary options are options that either provide a fixed amount of income or not, depending on the fulfillment of a specified condition at a certain time. Here I recommend Binarium. They turned out to have excellent service and an interface that was clear to me, but I will make a reservation that I am not a professional on the topic of trading. With the help of this service, you can really earn fast money, but you can also lose it :-) For professionals in the field of exchange rates, there is an opportunity to earn money here, and for non-professionals, quickly “play” and also earn money.

Screenshot to get started:

Screenshot after an hour of work (look at the balance):

6. Invest in business

Of course, I understand that a business is not just an investment in the form of "invest, forget and get a profit." This is possible, but it applies more to foreign countries. If we take Russia, then, in my experience, one cannot completely rely on people and, nevertheless, one must take part in the main decisions for the effective development of a business.

Of all the tools, business is the most highly profitable. The main risks are at the very beginning. Then, if the business grows, then the income increases, and the riskiness of this instrument decreases. Plus, this is a very exciting and interesting tool - hundreds of thousands of books about business have been written for a reason.

If you have nothing to start your investments with, then the business should become your first tool and a generator of income, which can then be distributed to other financial instruments.

1) the main thing - do not be afraid to start;
2) choose an existing market for work, the probability of creating a new market is very small;
3) choose a working business model that you saw somewhere - inventing a new one is extremely risky. To implement a ready-made business model, only a little better than others - much easier than "building a new bike";
4) choose non-mass markets with high competition - you need to start with something small, but when you listen to someone, you often hear that if someone wants an online store, then immediately equipment, phones, etc. , and people do not understand that the margin there, God forbid, is 10%, and in order to earn money, you must have very good turnover;
5) if there is no money at all, start with a service business, and not with a goods business - it is less costly and less risky at the initial stage, but then it will be harder to scale it up and improve the quality of the services provided, especially if the service is complex, multi-stage, etc.

In short, business must be mandatory :) This is the main financial instrument.

As John Rockefeller said: “If you have little money, you need to do business. If there is no money at all, you need to do business urgently! Right now!"

7. Investing in securities

The use of this tool requires certain professionalism and skills. Of course, there are many examples when the shares of some companies in a short period of time (for example, 5 years) grew in price by 5-10-50 times or more - and it seems that this investment tool is very promising. This, of course, is true, but we must remember that this needs to be well understood and such examples of growth are rare, and no one advertises hundreds of other companies that have gone bankrupt. In my opinion, it is more profitable to trust a professional manager with a good history of profitability.

I myself use a Tinkoff bank brokerage account. I sometimes buy shares. I invest very conservatively.

For the last year as of June 20, 2018, the income is 13.98%. This is almost 2.5 times more than the income of a bank deposit in state-owned banks.

8. Investing in precious metals

Investing in precious metals - such as gold (), silver, platinum, palladium.

You can go several ways:

1) Purchase of bullion in banks. Remember that if you sell them, you will have to pay a tax of 13%.
2) Purchase of precious coins. The main supplier of this kind of coins is Sberbank.
3) Acquisition of securities backed by gold through stock exchanges.
4) Opening an impersonal metal account. This is an account in which metals act as currency. At the same time, in reality, you don’t have any metals on your hands. Everything is conditional. Making a profit is possible in the event of an increase in metal prices.

I myself participated in a typical hype - MMM, when there was a resuscitation of this system after the 90s. I decided in the end, but nevertheless remained in the black: + 150,000 rubles - this is what I withdrew as a profit, and another 40,000 should have been, but not paid. In short, I remained in the black, but such an extremely risky type of income is not for me. They can be played with small amounts, like invested $200 and got lucky - got $400, or got nothing :) It seems to me that playing in a casino is more interesting and faster :)

12. Investing in cryptocurrencies

Who hasn't heard about cryptocurrencies now? Even the lazy one heard. The topic, of course, is interesting, but very volatile and highly prone to panic.

I have my own crypto portfolio. I entered the market after bitcoin began to cost 4-5 thousand dollars. This was sometime in September 2017. Then I invested in various altcoins, tried to study information, drew conclusions, read analytics, listened to YouTube “experts” :-) There were ups and downs. Redistributed the portfolio. I bought information in all sorts of closed services about what will grow and what will not, etc. Invested in one ICO.

In short, there were a million actions and nerves, and the result is this:

At the time of entry, I bought almost 2 bitcoins. Now I have about one bitcoin :-) The money is about the same or even losses from the moment of entry. At the peak, I had about $33,000, which I did not convert into money, then I unsuccessfully repurchased a couple of times, etc. Now there are about 7 thousand dollars left :-)

In general, the topic did not go well for me or I did everything at the wrong time. But there is a portfolio, maybe it will shoot in a few years :-) or I will lose it ... :-)

13. Investing in sites of various types

Investing in websites is also one of my favorite topics because:

1) no large investments are required;
2) high rate of return on investment;
3) high profit;
4) the ability to do everything "by someone else's hands" without serious risks of "hands-on" on the part of the performers, and therefore a good opportunity to scale the process.

But the downside is that you need to understand this and be “in the subject”. You can’t just take and earn on the site without understanding the principles and methods of monetization. Or you can, but ridiculous $20-50 per month.

14. Investing in sites under CPA (Cost Per Action) affiliate programs

You are paid a reward for a certain action by the user, for example, for the purchase of goods, for registering in an online game, for a completed tour, for an application or issued a credit card, and many, many other options.

The essence of the method is simple - a website is created, thematic traffic is pursued, an affiliate program is placed and money is earned. For example, create a landing page for credit cards, where you describe 3-5 offers and give affiliate links. If the bank approves the application submitted by the user of your site, you will receive a reward of 400-1200 rubles per application (the price depends on the conditions of each bank). Another thing to drive this financial traffic is worth some effort.

In any case, such partnerships are very profitable. The main thing is to be able to choose the right affiliate program, niche, and, well, to catch up with traffic.

15. Investing in MFA Sites (Made For Adsense)

In short, these are sites designed to earn money from contextual advertising. It is impossible to make a normal profit on this, i.e. alternative ways of earning will bring more. But there is a plus for this type of earnings - this is the ability to install an ad unit on the site immediately (this applies to Adsense) from the moment of creation, there are more requirements in YAN. Thus, the site will immediately begin to bring something. From my experience, there is really little money (depending, of course, on the subject), but medical traffic close to me gives approximately the following result - every 1,000 people a day bring about 1,500 rubles a month (provided that contextual advertising costs adequately, and not on half the screen after the page loads).

16. Investing in Linked Sites

A mega popular type of income is the sale of links from the site, both rental and "eternal". Investments in this type of earnings used to be very, very popular, and there was a high return. I myself made a lot of money on this: for example, I will give a screenshot of the income of some of my sites (I started to take a screenshot - I saw that one site was banned - eh ...):

In general, the number of sites matters here. At this stage in the development of search engines, my income from this type of earnings has seriously dipped. Now I don't bet on it. Here is a screenshot of the income dynamics over the years of one site. It's basically the same for all sites.

Another disadvantage of such earnings is that after such monetization, the site can be thrown into a landfill. And while it is monetized in this way, you won’t see a lot of traffic for other ways of earning. Therefore, this method of monetization is suitable when it is impossible to earn in another “cleaner” way.

At the time of 2019, I sold almost all of my sites due to low income. We can say that this type of earnings no longer works.

17. Invest in phone apps (Android, iOS)

In principle, a normal topic, if you know how you can make money. The easiest way to make money on simple applications that can somehow help in life. Or apps that aggregate useful information in one place on a specific topic, or free apps that upsell something while you use it. This freelancing can be collected for 30,000-50,000 rubles. In companies, of course, more expensive. In this type of earnings, the idea of ​​​​this application is important. God forbid you try to repeat the success of some Angry Birds (by the way, the company that made this game released several hundred! Unpopular games before that) - this, firstly, costs a lot, a lot of money, and, secondly, if the idea is a failure, then you will lose a lot.

18. Investing money in various publics in social networks

My experience in this area has been unsuccessful so far, i.е. more money was spent on the development of the public than it brought in. Naturally, I outsourced everything, and did not touch it myself. In principle, you can make money from publics very well, but you need ideological active performers (in the case of outsourcing), if you are one, then this type of income can become very promising for you. It does not require large investments - basically only at the initial stage, then you can catch up with subscribers by exchanges. The quality of the public content is very important.

If you choose a public theme, then the most popular ones for a wide audience are better - then you will have the maximum number of advertisers who want to advertise with you. The most monetized and popular publics are about success, psychology, relationships, money. By the way, based on a popular public, you can establish a good sales channel for your business, but only if your product is for the masses and with a low average check (for example, phone cases, T-shirts, small jewelry, inexpensive children's clothing, etc.) .

19. Invest in your own development

Left the most important for last. Investing in yourself is the most, most super important decision in your life, with which you can always earn. Develop, read, attend seminars, buy information products, go to trainings, and most importantly, then try, try, try to implement what you were taught there - of course, effective things are not taught everywhere - your task is to weed out nonsense and build effective skills into yourself in one area or another. You will develop skills that will always be yours, no one can take them away.

This is the most risk-free investment and the most profitable - just an investor's dream, which is low cost and accessible to everyone.

Without investing money in your development, everything else is practically meaningless. Investing in yourself is like a powerful catalyst in a chemical reaction (I hope you remember some chemistry).

I will be glad to comments on the article :) Good luck to you!

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The real incomes of the population depend on nominal accruals and the level of inflation. The latter increased by 3.2% in 2017. The growth of nominal accruals is less than the pre-crisis level. A Russian with an average income can pay his living expenses, but he will not have the funds for travel or for a quality vacation. Therefore, many people think about where it is profitable to invest money.

Where can you invest money today?

The issue of investing funds is very relevant today. Experts advise investing in large projects just after the stabilization of the ruble exchange rate in the market. Investors with small capital also have interesting options.

Along with forex and the stock market, binary options are gaining more and more popularity. If the investor guesses the direction of price change, he will receive a profit of 50 - 75% of the rate. Other popular destinations include cryptocurrencies, mutual funds, PAMM accounts.

Much has been said about earnings from the financial market before. But such a direction as making money from online games is only gaining popularity. For registering in the project and completing simple tasks, the player receives income and bonuses. This option of earning can be considered as a way of temporary part-time work.

Investments in bank deposits are still being actively discussed. It is a risk-free and low-return investment. Banks are also actively promoting deposits in precious metals, both in the form of bullion and OMS. In the long run, these investments are profitable. The question is whether the inverter is ready to wait several months until the metal price changes.

How to choose a win-win option when investing money

It is worth noting right away that there are no risk-free investments. If the bank fails, depositors may lose their savings. Investors can only reduce the level of risk to a minimum.

What Experienced Investors Look For

Experts advise considering as many promising ideas as possible in the process of choosing an object. Then analyze in detail the profitability of each direction.

When choosing an object, the ratio of profitability and profitability should be taken into account. Before freezing finances for a long time in real estate, you should analyze the profitability of a similar object.

Experts advise relying only on one's own strength. Only accumulated funds should be invested. If you cut expenses by 30% and increase your income by 20%, then people with average incomes can save $1,000.

Investment diversification

You need to invest in different objects, assets and markets.

According to the rules of risk management, approximately 60% of the capital should be directed to risk-free assets. Investing in precious metals has always been popular. Investment risk is minimal. The payback period depends on the price dynamics, but on average it is 1-2 years.

The rest of the funds can be invested in stocks and bonds. If there is no knowledge, opportunity or time for training, then it is better to entrust funds to mutual funds. The bank, as an asset manager, will select the best bonds for investments, and will itself execute and carry out the purchase and sale procedure. You will have to pay a commission for trust management.

Calculation and control of risks

To understand in which direction to move, you need to clearly monitor the current situation. To do this, you need to keep a diary in which all investments in objects and the income received are recorded. For traders of the stock and currency markets, even a special diary of transactions has been developed. After all, the trader's net income is the profit from the transaction minus the broker's commission.

Investors in the real estate market should pay attention to the economic situation in the country. During a crisis period, it is easier to buy an object at a bargain price, wait for the market to stabilize and then sell it.

Money has to work. Therefore, while the investor is studying promising areas of investment, his savings should be left on a bank deposit so that they do not depreciate.

The so-called risk-free areas of investment are intended more to suppress inflation. Interest rates on deposits barely exceed the average annual price increase. But this scheme of earnings brings a stable income.

Interest-bearing bank deposits

Banks accepting deposits from individuals must be members of the insurance system. Then, in the event of bankruptcy of the institution, the depositors will receive their savings in the maximum amount of 750 thousand rubles. When choosing a deposit program, you should check whether the financial institution has a license from the Central Bank and whether it is registered with the DIA.

Russians trust their savings to state institutions: Sberbank and the VTB Group. These banks are market leaders in terms of the number of attracted deposits. However, users in their reviews complain that it is rather difficult to terminate the contract prematurely, and the level of profitability in these institutions is 2-3 p.p. below the market average.

Real estate: letting, rent

The safest investment option is to buy real estate. Moreover, it should be purchased precisely during the crisis period, while market prices are understated. Many investors consider this direction as a way to save money. In times of crisis, the object can be leased and rented.

Investing in real estate, as a way to increase capital, requires knowledge, experience and the availability of funds. Otherwise, funds frozen for a long period of time will not bring income. In the second case, it is worth investing money at the stage of laying the foundation. Then, by the time of delivery, the cost of the object will increase by 2.5-3 times.

Investing in small and large businesses

People with an entrepreneurial streak and promising ideas are best off investing in their own business. To implement the project, you will have to draw up a detailed business plan, evaluate your competitive advantages in the market and think over advertising based on them. In the process of implementing the project, the entrepreneur will have to carry out all the work on his own. As the business develops, it will be possible to hire assistants. Investing in your own business has one serious drawback - the entrepreneur will have to take on all the risks of implementing and implementing the project. Or find co-investors. In the second case, the profit will also have to be shared with partners.

Old methods of investing bring little profit. Those who are looking for innovative tools should pay attention to such offers.

stock markets

Investing in the stock market will be beneficial for those investors who are going to freeze their funds for a long time. Intraday speculative trading is a separate profession that takes a long time to learn. To work on the stock market, you need to open an account with a broker and, at a minimum, familiarize yourself with the operation of the platform.

The advantage of this method is that you can make transactions not only at your own expense, but also borrow money from a broker and open "short" positions in the market. Upon completion of the operation, the trader returns the borrowed funds to the broker, and keeps the interest income for himself.

To work on the stock exchange without a broker, you need a capital of several thousand dollars. This option is not available to everyone.

Forex

Forex trading can be done by beginners without experience. Brokers develop structured products for their clients. Their essence lies in the fact that the investor distributes his deposit between risky and risk-free investments. The basis of the investment portfolio is not only precious metals, but also popular raw materials (oil, corn, sugar, etc.).

The investor chooses an investment scheme based on:

• the level of deposit protection (what share of the capital the broker undertakes to return in any market situation);
• the participation rate in each direction of investment (according to this indicator, investments are divided into risky and risk-free).

Online games, casino, poker

The most popular methods of making money on online games today are very risky. By participating in games, you can win a small amount of money several times. But you won't be able to make a living playing casino games.

They use several schemes to defraud money:

"A win-win combination." With this phrase, scammers attract newcomers' money to casino resources, which, according to their calculations, can bring good income. Moreover, the information is provided absolutely free of charge.

Program Vulnerabilities. With this approach, scammers are trying to lure out money for developing a unique code that will help beat the casino.

Where to invest 100,000-500,000 rubles to earn without risk

Amounts of several hundred thousand rubles are better to invest in real estate, construction and antiques.

Acquiring objects in the elite real estate segment should be at the stage of laying the foundation. Every year, the return on investment will increase by 7%, not counting the market value of the object. By the time of commissioning, the cost will increase by 2-3 times.

For half a million rubles, you can buy a franchise. In this case, the license holder provides full support: consults in the process of manufacturing products, searching for distribution channels, decorating premises, paying advertising costs, and conducting staff training. You will have to pay monthly royalties (rent) for receiving such consultations. In 70% of cases, such expenses are fully paid off in six months.

You can also invest half a million rubles in your own existing business. It is not recommended to invest money at the development stage of the project due to high risks. It is better to use such funds to strengthen market positions and develop new segments. Achieving this goal is easier for an organization with a good reputation than for a startup.

Another option is to open a deposit in one of the investment banks. Interest rates at European financial institutions are higher than those of Russian ones. However, funds will have to be frozen for a year. In case of early termination of the contract, income is recalculated at the minimum rate.

If you are thinking about where to invest your money, then pay attention to the following options. These ways of investing bring good returns in the long run.

Investment in precious metals

It is better to invest in precious metals through a banking institution, otherwise there is a chance to run into scammers. It is better not to take the purchased ingot from the bank. If the box or metal is damaged, then it will be difficult to sell it. In addition, when selling an ingot, you will have to pay VAT. If the value of gold does not increase by 18%, then such an investment will be unprofitable. Therefore, you need to invest in bullion for at least 5 years. In the short term, it is better to invest in an unallocated metal account. The profitability of such investments is less, but you will not have to pay taxes when closing an account.

Investing in cryptocurrencies

Imagine a house with a lot of locked apartments. Each of them contains a coin. You need to sort through all the keys to open the door and get money. The same is the case with cryptocurrencies.

There are digital encrypted money (Bitcoin, Litecoin, etc.). To get them, you need to go through many combinations. A limited number of coins creates supply and demand. In 2014, the value of Bitcoin increased 100 times and then decreased. The main disadvantage of this way of investing is that there is no guarantee of price growth.

Cumulative life insurance

Many of you have probably heard of such a service as life insurance. But not everyone knows that this tool can be used to invest funds. The essence of accumulative insurance is that at first the client transfers a certain amount to the fund, for example, $400 per year. This process continues for 5 years. At the same time, the life of the client is insured against accidents, injuries and disability. The difference between the service and ordinary life insurance is that if an insured event has not occurred within 5 years of the contract, the company returns all invested funds to the client. And additionally pays 4% per year for the use of money. The client will invest 2 thousand dollars, and after 5 years will receive 2.253 thousand dollars. The income is small, but guaranteed.

Mutual funds

Mutual investment funds are characterized by an attractive risk/reward ratio. The client transfers funds to a management company, whose employees independently choose the areas of investment and invest them in various assets (securities, real estate, etc.). In Russia, many banks provide this service - Sberbank, Raiffeisen, VTB, etc. The return on a deposit is higher than a bank deposit, but there is no guarantee of income. During the year, the company can make a profit or loss. Therefore, only large mutual funds should transfer money for management.

Put money on deposit

Existing clients of a financial institution can open a deposit without leaving home. To attract customers on online deposits, banks charge a higher percentage (due to savings on paper contracts). To terminate the contract ahead of schedule, you will have to contact the financial institution. If the client has not applied for funds at the end of the contract, it is automatically extended. The main advantage is the money back guarantee. The possibility of concluding a transaction via the Internet is a new competitive advantage.

Private lending

In this case, the investor acts as a lender who lends funds to the borrower and receives a percentage fee for this. The level of profitability is regulated by the lender independently. Interest can be accrued even daily. The disadvantage of this method is the risk of running into an unscrupulous borrower. In this case, it is almost impossible to return the funds. Due to the lack of complete information about the borrower, his actual place of residence, it will not be possible to collect debts through the court. You can start working in this direction through the Webmoney loan exchange.

Investments via the Internet

You can buy a site that already earns good income from advertising, affiliate links, paid services. But to manage such an asset, special knowledge is needed. Otherwise, the site falls under the filter of the search engine and investments will be unprofitable.

An equally risky, but more interesting option is to invest in a startup. Developers of interesting projects usually do not have the funds to implement them. So they draw up a business plan and approach investors. The profitability of the project can reach hundreds of thousands of dollars, but the level of risks associated with such projects is high. According to statistics, 70% of such projects leave the market. Therefore, experienced investors finance several projects at once.

How much can I start investing

You can become an investor in the forex market with 100 rubles in your pocket. The main thing is to have a desire to receive additional income. Then it will be easier to set aside 10% of all income for investment. Gradually, creating savings will become a habit and there will be no desire to increase expenses with income growth.

In order to receive income from the stock market, it is more expedient to open an account with 30 thousand rubles. on hands. Where does this number come from?

The cost of a lot of securities costs an average of 1-5 thousand rubles. The basic principle of competent investment is to diversify investments, that is, purchase stocks and bonds of different companies. The initial deposit amount does not matter. You need to learn to observe this principle from the moment the first transaction is made.

Funds should be distributed between risky and risk-free securities. The majority of the investment portfolio is made up of fixed income bonds. The share of shares should be calculated so that fluctuations in quotations do not exceed the yield of bonds. This approach will allow you to create a portfolio in which the risks of losing funds are minimized.

Taking into account the described rules, the investor decides to buy 4 shares at 2 thousand rubles. The risky part of the portfolio is 8 thousand rubles. The share of bonds in the investment portfolio should exceed 70%, that is, another 27 thousand rubles. It is better to invest in the stock market with a capital of at least 35 thousand rubles.

Investing money with an investor

You can become a business owner without a large amount of capital. It is enough to find several investors who are ready to invest in the project and become a co-owner of the business (shareholder, shareholder, shareholder). The founders share profits and losses in proportion to their contribution to the capital of the enterprise. You can become a co-owner of a business by buying a stake in an LLC, shares in a company, or joining a mutual fund.

The right to receive part of the profit is not a guarantee of a return on investment. By acquiring a part of the business, the entrepreneur runs the risk that the invested amount may decrease significantly. The reasons can be different: mismanagement, market crisis or changes in market conditions. That is, equity participation in investments does not guarantee a return on funds. However, the profitability of such projects over certain periods of time can be two or three times the amount of the initial investment.

The largest companies in the world appeared precisely thanks to equity participation in business. In practice, a situation often arises when one investor contributes almost the entire amount, while the other simply manages the company. Since the financial result is divided between business participants, it is advisable to stipulate and fix the share participation of each of the partners in the contract.

No country in the world can produce absolutely all goods, and Russia is no exception. More than half of export earnings come from oil sales. For foreign currency, you can buy those goods that are not enough in our country. Companies purchase foreign currency for rubles in order to then import goods. The more foreign currency, the cheaper it is (the exchange rate of the ruble increases). And vice versa. Therefore, on the eve of the new year, when goods are sold in large quantities, including imported ones, the dollar and euro increase in value. At this time, the currency should be sold to those who bought it during the year.

Gold is a resource, the amount of which is limited in the world. In the long term, it makes sense to invest in this precious metal in the form of bullion. However, when selling them, you will have to pay VAT. Alternatively, you can issue a gold bank deposit or open a CHI. For short-term investments, it is better to buy gold futures.

Experts advise beginners to refrain from working with cryptocurrency. If it brings such a high income, then there is a risk of losing funds. Any national currency has a country, events in which affect its value. Virtual money does not have this characteristic. Therefore, investing in cryptocurrencies just because it is fashionable is not worth it.

How to save money from inflation

The growth of the foreign exchange rate in the pre-New Year period will be accompanied by a depreciation of the ruble. How to keep your savings?

Don't keep them at home. So that savings do not turn into "dead weight", you should open a bank deposit, preferably in several currencies at once. Unlike Europeans, 40% of Russians prefer to keep money at hand at home. Those who do not trust commercial banks should open a deposit in a state bank.

Buy imported goods. During the period of devaluation of the ruble, import goods rise in price first of all. If you have not yet decided on the object of investment, do not trust banks and do not want to lose the real value of your savings, buy what you have long wanted (car, washing machine, etc.).

Savings can be invested in precious metals. Indeed, during the crisis period, their value increases. It's not just about gold or silver bars. Today in banks you can buy rare and expensive coins made of platinum and palladium. Don't invest in jewelry. The share of precious metals in their alloy is very low. You can quickly sell them at the price of scrap.

Where not to invest

No matter what level of income the financial pyramids promise, it is impossible to invest in them.

In particular, HYIP funds that are popular today are an example of financial pyramids. Fraudsters attract naive investors with a beautiful site and the opportunity to receive a large percentage income (50-250%) in a very short time (from one hour). The average life span of such funds is one day. Profit from HYIP is received only by their creators.

Much has been said in the past about investing in real estate and the stock market. In no case should you invest borrowed funds in these assets. And it's not about strategy or experience. From a psychological point of view, it is very difficult to make money on borrowed funds and no one succeeds. Such trade brings only a loss.

Buying real estate on credit in anticipation of a crisis is risky, if only because banks can raise interest rates on mortgages. The overpayment on the commission completely eliminates the difference in price. Such an investment brings only a loss. Investing in a car is not profitable under any circumstances. A vehicle that leaves the gates of the auto center immediately loses 30% of its value.

We hope this article was helpful to you. If you know other good options for where to invest money and make money from it, share your thoughts in the comments.