What is the best company to invest in. Where to invest small money to earn

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

More recently, the citizens of the country did not have a large number options where to invest money: they were offered only bank deposits and the purchase of privatization checks. Today, investing is new tool, which gives an excellent opportunity not only to receive a bonus in the form of additional cash receipts, but also profitable investment years ahead. 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

Free money investment financial instruments in order to profit from it - this is financial investment. What do these tools mean? present stage market development? These can be the following investments:

• bonds;
• stock;
• futures;
• drago securities;
• options, etc.

Direct investments

To participate in the management of the company, there are direct, or real investment. This is a risky type of capital investment, because in this way the investor invests his cash in a business that is only at the stage of its formation, and he will be able to make a profit only if the business develops successfully. Another one distinguishing feature direct investment is long term their investments and less liquidity compared to other types.

It is worth noting that professionals should invest money 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 means receiving high yield, they are not strongly influenced by market fluctuations. In addition, the investor will be able to cover his expenses in certain cases through the sale of not only manufactured products, but also material assets enterprises. According to their characteristics, real investments themselves are divided into tangible and intangible.

Speculative investment

This type 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 must 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 can direct the right way 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;
• change real estate for rent;
• 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, therefore, by investing money in this way, you can lose big. In addition, in order 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 because 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 big income ness. 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. Invest under high percent the bank is unlikely to succeed, because financial institutions set rates according to the policy of the Central Bank of Russia, and he 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 certain period 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. Smart investment money in shares is the prerogative of experienced participants, but if you want, 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 purchase 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 that give excellent opportunity earn on the World Wide Web, but this is a question for a separate study.

Investments in currency

Daily on currency exchanges you can earn a lot of money, 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 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 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 complex issue to which no one can give a definitive answer. Everything depends not only on the desire of a person, but also on his financial opportunities. 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

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

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

The official inflation rate in Russia for 2015 is almost 13%. But we know that it is not weakly underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely over 20%.

Thus, all our savings depreciate at a rate of at least 20% per year or 1.65% per month. So, now most of the ways of investing do not help to increase your funds, but at least offset inflation a little.

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

Investing is not that hard.

I think everyone understands what investing is. When investing, you make your funds work. That is, you invest money, expecting to receive even more money in the future.

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

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

For example, let your investment portfolio is 100,000 rubles. Then you need to choose a few investment instruments that are suitable for you. Suppose you have chosen mutual funds, PAMM accounts and backing and HYIP projects. Now you will need to distribute your portfolio between instruments depending on how much you are willing to risk.

Let's say that you are configured for moderate risks and distribute money as follows: mutual funds - 40%, PAMM accounts - 40%, backing - 10% and HYIP projects - 10%. Now you need to apply the principle of diversification within each chosen way of investing.

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

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

We compare the 12 best ways to invest.

I not only selected for you the 12 best ways to invest, but also compared them with each other. For comparison, I chose several parameters that I decided to evaluate on a 10-point system, where 1 is the lowest score, and 10 is the highest.

Comparison of the best ways to invest.

The following options have been selected:

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

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

1. Bank deposit.

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

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

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

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

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

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

This type of deposit belongs to the “put it and forget it” category. All you need to do at the end of the investment period is to come to the bank and withdraw your money. Well, or roll over the deposit. 10 points.

Pros:

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

Minuses:

• Low yield.

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

2. Mutual investment funds (PIFs).

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

The choice of a mutual fund should also be taken seriously, studying the statistics of different funds. After that, you need to go to the office of the company or its agent. For simplicity I will put 6 points.

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

Reliability also strongly depends on the type of fund. At a time when bond mutual funds are one of the most risk-free investments, investing in venture funds carries very high risks. On average, I would rate reliability at 7 points, because at least you will not be able to lose most of the deposit, as in other ways of investing.

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

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

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

Pros and cons of this investment method:

Pros:

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

Minuses:

• Possibility of making a loss in case of an unsuccessful choice of a fund.
• Relatively complex investment procedure.
• The investor should be interested stock market.

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

3. PAMM accounts.

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

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

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

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

You can start investing in PAMM accounts with $10. At the moment, this is equal to 700 - 800 rubles. The amount is small, so I put 10 points.

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

Investment management takes time. If you do not use automatic tools, then in Personal Area I have to go almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I bet 6 points.

Pros and cons of this investment method:

Pros:

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

Minuses:

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

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

4. HYIP projects.

This type of investment is often referred to as quasi-investment. If to speak in simple words, then these are pyramids that accrue profits to participants from new deposits.

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

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

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

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

I think that in this paragraph and the paragraphs below, we should consider only long-term projects. Minimum amount entrance to them starts from 1,500 thousand rubles. 9 points for a low entry threshold.

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

If you have already invested in one of the HYIPs, then all you have to do is sit and hope that the project will exist and pay. You can't do anything anymore. Completely passive investment deserves 10 points.

Pros and cons of this investment method:

Pros:

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

Minuses:

• Very high risks.

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

5. Bucking (investing in poker players).

Almost everyone knows about such a game as poker. At the same time, many understand that successful players receive big money for winning tournaments. But how many people know that most poker players don't play big tournaments with their own money?

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

• The possibility of making big profits when a player wins a tournament.

Minuses:

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

Conclusion. Rather, backing will suit people who are well versed in poker. To an ordinary person it will be difficult to choose the "right" player.

6. Trust management in sports betting.

Most people treat sports betting like gambling. But professional marques earn a lot and consistently on bets on sporting events.

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

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

If you look at the charts of profitability, you will see that the leading privateers increase the funds in their accounts by thousands of percent. Such income should bribe. But on average, the return on this type of investment is much lower and deserves 6 points.

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

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

You can withdraw money quickly and easily. 10 points.

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

Pros and cons of this investment method:

Pros:

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

Minuses:

• The possibility of receiving a loss or draining the entire amount.

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

7. Startups (venture investments).

In recent years, stories of successful startups have been booming all over the place. Everyone understands how profitable it would be to buy shares of young companies, which in a few years would turn into large billion-dollar corporations.

The first way to invest in a startup is to conclude an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at discounted prices. Yunitskiy's SkyWay can serve as an example of such a startup.

You can also invest in a startup using crowdfunding platforms and startup exchanges. Exchanges do not inspire confidence in me, as I consider them HYIPs (read my ShareInStock review). But many authoritative sources call them real companies. When you enter the exchange, you will see audited and verified companies in which you can buy shares. You just have to choose a suitable startup and buy a share in it. For simplicity 7 points.

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

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

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

The entry threshold for this type of investment is not high. 10 points.

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

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

Pros and cons of this investment method:

Pros:

• Convenient and simple investment procedure.
• Very low entry threshold.
• High potential return.

Minuses:

• High risks in passive investment.

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

8. Currencies and precious metals.

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

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

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

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

Precious metals can also be bought from banks. And it became possible to acquire gold with the help of payment system webmoney.

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

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

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

You can probably protect yourself from the depreciation of the national currency by keeping half of your money, for example, in dollars, and the other half in rubles. So when the rates fluctuate, you will not lose anything, but you will not earn anything either.

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

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

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

In general, attempts to influence profits by tracking rates and then selling assets already turns you into a trader. And I would not attribute trading to investing. Therefore, I understand investing in currencies and precious metals as “put and forget”. That's why 10 points.

Pros and cons of this investment method:

Pros:

• Able to protect against depreciation of the national currency.

Minuses:

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

9. Securities.

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

• Simple investment procedure and low entry threshold.

Minuses:

• For a beginner, this is a risky and low-yielding way to invest money.

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

10. Real estate.

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

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

Can be invested in residential or commercial real estate, under construction or already built, suburban or located within the city. Ease of investment also depends on the choice of the type of real estate.

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

If you decide to buy commercial real estate, then the hassle becomes much greater. You will need to keep accounts, pay taxes, manage facilities, re-register energy supply. On average, for convenience, I would put 2 points.

As for profitability, you can receive no more than 1 percent per month from residential real estate with a long-term lease. This is 7-10% per year. The renting of residential facilities by the day turns into work and is not considered.

If you expect to sell it more expensive after a while, then it is far from a fact that prices will rise. In general, for profitability, I would bet 3 points.

Real estate, indeed, has a high reliability. Unless, of course, this is not an object under construction.

Even if real estate prices fall, you will continue to make a steady income from rent. For reliability, I put 9 points.

The entry threshold is high, even if it is a collective property purchase. The minimum investment amount starts from several hundred thousand rubles. I will put 2 points.

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

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

Pros and cons of this investment method:

Pros:

• Clear scheme of income generation.
• High reliability.
• You do not need any special knowledge and experience in investing.

Minuses:

• High entry threshold.
• Low profitability.

Conclusion. Investing in residential real estate is understandable to every way of investing money. This method is especially liked by conservative investors who do not want to take risks.

11. Investment in business.

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

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

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

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

Super profitable businesses rarely sell, so you should count on average profitability. Of course, profitability strongly depends on the type of activity and the quality of management. I will put 6 points.

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

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

The entry threshold for this type of investment is relatively high. Yes, there is absolutely small companies but they don't cost a penny. Buying a profitable business with streamlined cost processes is similar to buying real estate.

Often people join groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I will put 2 points.

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

If you manage the acquired company on your own, then turn from an investor into a businessman. Therefore, you will need to hire an executive director who will manage your business. But even in this case, you will have to control it and analyze the activities of the company.

Yes, and you will need to deal with the selection of a manager yourself. That's why 2 points.

Pros and cons of this investment method:

Pros:

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

Minuses:

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

Conclusion. I believe that with sufficient capital, the purchase ready business is one of the best ways to invest money. But it is desirable that you like the type of activity of your company and that you have at least minimal experience in doing business.

12. Investments in content sites.

This way of investing money is similar to investing in a business, but with a simpler purchase and management procedure. Again, you do not need to create and promote a site. You can just buy a ready-made project.

The website itself is more of a tool than an asset. The real asset is the audience that visits every day. this project. The site owner makes a profit by displaying ads, affiliate programs and other sources of monetization.

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

The transaction is protected and follows the rules of the auction, where the site goes to the buyer who offered the highest price. For simplicity, you can put 4 points.

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

But in most cases, on such sites, monetization works far from 100%. Thus, after “twisting” monetization, it will be possible to recoup the contribution in 6-10 months. 7 points for profitability.

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

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

You can buy as one expensive and high-quality site, as well as several medium ones. Therefore, I do not advise you to start with too small amounts. I will put it at the threshold of entry 6 points.

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

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

Pros and cons of this investment method:

Pros:

• Convenient investment amount for everyone.
• High investment security.
• You can develop the project, increasing profits.

Minuses:

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

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

Which method do you like the most?

• • Experienced Investor Rules
• • Option number 1. Bank deposit
  • Option number 2. Investing in the stock market. mutual funds
  • Option number 3. Investing in the foreign exchange market
  • Option number 4. Investing in real estate
  • Option #5: Investing in an apartment building
  • Option number 6. Investing in a business project
• 5. Conclusion

Have you decided to make a fortune, but don't know where to invest your money so that it works and brings income? Are you tormented by doubts, overcome by indecision? Trust me, it's ok. Every millionaire has gone through this.

Perhaps this article will help you find a foothold and get on the path of a new life. The experience of many wealthy people who have achieved success through bold and wise investment decisions has been accumulated here. You will learn about time-tested ways of profitable investment and will be able to "try on" these methods for yourself, learning from other people's examples, mistakes and achievements. We will analyze in detail in the article where to invest money so that they bring a high percentage of profitability.

Rules and ways where you can invest money to make it work

1. Investment of funds for the purpose of making a profit - rules and recommendations of investors

Going on this voyage, you need to choose the right course so as not to run into reefs and shoals. A novice investor also needs to decide at the very beginning of his journey on the direction that will provide him with maximum returns and minimum risks.

At the same time, one should not forget the common truth: who does not take risks, does not have a chance to earn. One more thing Golden Rule contributor: big risks are proportional to big profits.

However, in order for the risks to be justified, the first investments must be made not in a bank, not in shares, not in precious metals, but ... into yourself. This means that a novice capitalist needs to acquire the necessary knowledge about money and the tools to work with it. Only armed with theory, many risks in the practice of investment can be prevented.

Experienced Investor Rules

Rule 1. Creating a financial cushion is an indispensable condition for investing

One of the taboos of an experienced investor is to make injections without having a reliable financial base. In this case, we are not talking about bank deposits, which are not profitable, but rather a savings instrument.

Such a financial "rear" is created by monthly saving money or by selling expensive property.

Say if you used to live on the sum 100 thousand rubles per month, then before you start investing, you must have at least 600 thousand rubles. Only those who have passive income can do without a financial pillow.

- financial flows that do not require daily efforts (profit from business, rental of real estate, dividends on shares).

Rule 2. Diversification

To cash investments worked effectively, distribute them among various investment instruments and preferably in different sectors of the economy.

Remember the textbook example of the basket of eggs. If it topples over, all the eggs will break. Therefore, by dividing your money and investing it in diversified areas (companies), you will not stay on the beans if one of these areas (companies) becomes unprofitable. The rest of your investments will “pull out” your funds, preventing all capital from “going to the bottom”.

Put in, let's say 30 % funds to the bank 30 % to the oil and gas sector, 3 0 % in the manufacturing sector, and 10 % - in food. In this case, all instruments in your investment portfolio - shares, rental property, profitable business, Bank deposit– will be resistant to market metamorphoses.

Keep in mind that you can buy real estate thanks to maternity capital - everything is about maternal capital 2019-2020 .

Rule 3. Keep all possible risks under control

Without losing, you will not earn - all investors have to put up with this condition. But at the same time, experienced financiers try to manage their funds in such a way as to lose as little as possible and earn as much as possible.

Beginners tend to overestimate their strength and flog a fever. They want a lightning-fast blitzkrieg - and often find themselves overboard. Money does not like haste and aggression.

The art of investing - this is, first of all, thoughtfulness, balance and gradual - STEP BY STEP - promotion.

It is necessary to act according to the principle: from simple to complex, from conservative to avant-garde. Start with, say, a thousand dollars and invest it in an area in which you are well versed (We recommend reading -). Renounce adventures with money borrowed at interest, investing them in one actively advertised, but rather vague "deal".

All of this could end complete financial fiasco weighed down by the unsustainable burden of credit.

Recommended! Take your time: Ostap Bender not for nothing reminded his impatient partner that "only cats will be born soon." Remember how carefully the great strategist himself carefully his strategy to achieve his cherished goal.

Rule 4. Look for co-investors: this will multiply your opportunities

By joining forces with other investors and creating a “common pool,” called a “pool” in the language of financiers, you will achieve the maximum return on investment.

Let's say you have a promising project or an attractive investment tool. And you don't have enough free money at the moment. The most reasonable thing in this case is to involve in this business those who will also like this investment idea, and together with them invest on an equal footing. (We recommend reading -)

Today, a popular topic for investors has become pamm accounts. It's about on the transfer of its assets to trust management to a professional manager (trader) who is behind the successful financial operations receives a percentage as a reward. If the trader's management turns out to be ineffective, work with him stops.

If such a pamm account is created by several investors together and transfer their pumas to trust management, then the risk of loss is shared by all- in proportion to the invested amounts of money.

Following this investment scheme, investors, sacrificing a small percentage of their money (usually - 10-20 % ), significantly multiply their income and reduce risks.

Rule 5. Creating passive income is no less important than multiplying assets

According to well-known American entrepreneur Robert Kiyosaki, passive income is a key condition for financial freedom. According to him, assets are not only generators of income (rent, investments, business), but also its sinks (houses, cars, liabilities).

Therefore, in order to get rich, it is necessary not only to have assets, but also to master the leverage that allows you to get these assets again and again. This function is performed by passive income.

Let's look at this rule with an example. Let's say you invested 50 thousand rubles and a year later received 75 thousand rubles. So your money has produced 30% profit. But you have no guarantee that next time you will earn the same amount. After all, such a “fat” significantly exceeds the banking one, which means that the risks of such a way of earning are much higher. In the event of force majeure, you are threatened with the loss of most of your capital or even the loss of the entire invested amount.

Now imagine that you first created your passive income for the same 50 thousand rubles. It brings you a stable 1.5 thousand rubles a month, or 18 thousand rubles a year. You can now get a loan of 50 thousand rubles to use it as an investment. In that case, your passive income will be a reliable guarantee loan return.

2. How much can I start investing

If you want to start investment activity from a bank deposit or purchase of shares, then any amount is fine. You can start with as little as a hundred dollars.

If you haven't raised your start-up capital yet, start saving for 10-15 % from your income. This is an easy way to build a financial reserve that will grow as your income grows. So you will develop a very useful habit - to control your expenses without increasing them as you accumulate money.

Mark Zuckerberg is a prime example of prudent financial management. This millionaire has a spartan lifestyle. The rich man sleeps on a mattress spread out on the floor. From the furniture I bought only a table and a chair. The founder of Facebook, Zuckerberg does not have internet access.

And this is not an isolated case of austerity among more than prosperous people. The gossip column is full of jokes about “greedy” millionaires walking around in torn socks, saving up used tea bags and contenting themselves with only carrots for breakfast.

However, what in the language of the layman is called "greed" millionaires and billionaires call "literate economy." The most successful among them have mastered the science of living within their means better than anyone else.

Strive to achieve a balance between your income and expenses - and you can become one of them.

3. Where to invest money to make it work: 5 profitable investment options

Today, novice investors have a lot of temptations. The Internet is replete with paid special courses that promise a miraculous transformation into a millionaire in a couple of days, you just need to follow their recommendations where to invest money and when to expect a profit.

However, often such “freaky” recipes are nothing more than a veiled scam, designed for naive and greedy people for easy money.

You should get acquainted with the classic ways of investing. They will allow you to invest your savings in understandable instruments, which will lead you to predictable returns and save you from excessive risks.

Option number 1. Bank deposit

This method is the most popular, but its income is minimal. But he saves money from inflation, especially when it comes to small deposits. Usually in banks, the terms of the deposit differ significantly. At the same time, each financial institution provides customers with a choice of several types of deposits.

The optimal is the interest rate on the deposit, the amount of which is not lower than the refinancing rate. In this case, nothing threatens the depositor's money. Today there are many banks in Russia, the interest rate of which reaches 10-12 % . Sberbank is traditionally considered the most reliable financial institution, although it does not have a high interest rate on deposits.

Many banks provide customers with the opportunity to open deposits in any currency: rubles, euros or dollars . In some, you can even open metal deposits ( silver, platinum, gold). Such an account holder has an income when the price of precious metals rises. True, it is not guaranteed, as the price of precious metals may decline.

For reliability, it is recommended to open a deposit not in one, but in several reputable banks at once. Unfortunately, no financial institution is immune from bankruptcy. But banks don't all fail at the same time. The weakest link in banking system are small banks.

In accordance with the legislation of the Russian Federation, if a bank loses its license, insurance payment the deposit is equal to one million rubles, i.е. amount in 1,000,000 rubles you will definitely receive from the state. This guarantees the clients of the failed bank the compensation of their funds, if the amount of the deposit did not exceed the insurance.

Advantages and disadvantages of investing in a bank deposit

Advantages of a bank deposit (+):

• accessibility and simplicity;
• low risks;
• high liquidity (there is always an opportunity to withdraw money);
• the threshold for investment is minimal (an amount of a thousand rubles is enough).

Flaws (- ):

• low level of profit;
• loss of income due to early withdrawal of funds.

Option number 2. Investing in the stock market. mutual funds

Stock market is a place for buying and selling securities: stocks, futures, bonds, etc.

This is a vast field of activity for those who have free assets and rely on large returns, while taking into account the multiple risks lurking in operations in the stock market.

According to the duration of investing money in securities, investors are divided into long-term, medium-term and short-term (speculators).

The first type (long-term) includes investors who make purchases for several years, based on long term. The most successful investor in the world, Warren Buffett, belongs to the cohort of these investors.

Medium-term investors buy securities for several months or weeks, while short-term investors hold purchases from several weeks to a couple of minutes.

You can manage your investments on your own, or you can contact a reliable brokerage company or entrust the trade to a trader. In addition, there are mutual funds (mutual funds) where money is invested.

Let us dwell in more detail on this new form of collective investment for Russians.

mutual fund - this is the funds of several investors who have combined their securities into one investment portfolio and transferred them to trust management of the manager company.

Mutual funds are open , closed and interval .

With an open fund the investor (depositor) can sell or buy his share on any day, with interval- only at certain times (several times a year), and closed- exclusively at the end of the project.

As investment instruments in a mutual fund can be: cash, bonds, shares, real estate. The most popular funds are mixed investments.

Shareholders' income is determined by the increase in the value of their shares, which can both rise and fall depending on fluctuations in the market value of securities. Therefore, shareholders bear the risk of losses, because the profitability of the fund is not ensured either by its management company or by the state.

Each investor of the mutual fund receives income exclusively from the reverse sale of their shares. If it grows market price shares or bonds that are part of the fund, the value of the shares also increases. At the same time, the activities of the management company are controlled by the FCSM, due to which the funds of the shareholders cannot “disappear in the fog”. In the event of bankruptcy of the management company, the mutual fund does not “evaporate”, but is transferred to the disposal of another company.

To compensate for the costs associated with the issuance and redemption of shares, usually introduced surcharges on the value of units at their issue and discounts at their redemption. The increase in the acquisition of shares practically reduces the number of shares recorded in the register of the shareholder. And the discount reduces sum of money issued to him in the event of redemption of shares. This is the direct cost of the shareholder. Maximum value allowances do not exceed aet 1,5 % from calc fixed value of the share. The maximum amount of the discount is not higher 3 % from the estimated value of the share.

Through property mutual fund paid cash rewards management company, depositary, registrar, appraiser and auditor. Their sum is not more than 10% from the annual value of the assets of the mutual fund. In addition, investors pay taxes on their income received in the fund. Residents of the Russian Federation pay tax at a rate of 13%, non-residents - 30%.

Advantages and disadvantages of investing in mutual funds and the stock market

Advantages (+):

• small amount of initial investment (from a thousand rubles);
• a wide range of investment instruments;
• a sufficiently high percentage for each reporting period;
• receiving dividends;
• self-compilation of an investment portfolio, allowing you to correlate risks with projected returns;
• information openness: the management company regularly publishes full reports on its activities.

Disadvantages of investing in the stock market and mutual funds (-):

• the complexity of the investment procedure;
• high risks (there is no 100% guarantee of profitability);
• the need to acquire special knowledge in case you have to manage an investment portfolio yourself

Option number 3. Investing in the foreign exchange market

The English word "FX-market", or "Forex" (in Russian Forex), refers to the global currency exchange market. All types of currencies are converted here. it real Klondike for traders-speculators who make the most trading operations throughout the day. This allows some of them to multiply their capital several times in just a few weeks. We recommend reading - what is Forex and how it works in. From the article you will find out whether it is possible to earn money and whether it is realistic to do it without investments.

However, in Forex you can both earn quickly and a lot, and lose everything overnight. Huge risks always accompany crazy luck here. Sphere currency deposits favors only professionals with deep knowledge in the field of finance. If you want to learn more about how to trade on Forex market then read.

Fortune smiles at Forex as emotionally stable individuals. Therefore, the first to lose their money here are newcomers. They tend to squander quickly and rarely come back after the first major setback. Only those who believe in luck remain, distinguished by diligence, iron discipline and vigilance.

We advise! You need to be extremely careful about the numerous offers of Forex brokers. Among these companies, there are many that, by concluding a contract with you, are not going to bring your trade deals to the real market. As a result, all your money will smoothly flow into their accounts, and you will remain in the cold.

To prevent this from happening, before taking responsibility investment decision, well "probe the soil": monitor customer feedback, visit the office brokerage company, get acquainted with the manual - in a word, make sure that the assistant you have chosen really trustworthy.

Advantages and disadvantages of investing in Forex

Advantages of investing money in Forex (+):

• a small amount to enter (from hundreds of dollars);
• the opportunity to earn a lot and quickly;
• wide selection currency pairs for trade transactions.

Flaws (- ):

• the need for special knowledge and technical skills;
• extremely high risks

Option number 4. Investment in real estate

As an investment instrument, both commercial and Residential Properties, as well as a water body, a ship, land plot, aircraft and even a spacecraft (in accordance with the Civil Code of the Russian Federation).

It is clear that the more expensive the property, the more profit it will give, but at the same time it will require more literacy from the investor.

Advantages and disadvantages of investing in real estate

Advantages (+):

• the opportunity to have passive income by renting out real estate;
• the opportunity to make good money when selling real estate;
• the right way to save money during inflation;
• possibility intended use tangible assets(real estate is square kilometers where you can place your own business or use them for living).

Disadvantages of investing in real estate (-):

• a fairly high entry bar (from hundreds of thousands or more);
• low level of liquidity (difficult to sell quickly without significant loss of value);
• susceptibility to damage and even loss ( natural disasters, accident, damage by unscrupulous tenants), which requires the allocation of additional funds for the insurance of tangible assets.

Option number 5. Investing in an apartment building

In general, this is a type of investment in real estate, but it should be singled out separately due to the many features of such an investment scheme. Unlike the usual investment in housing, which you can later resell, investing in an apartment rental building allows you to start making a profit in 2-3 months and achieve a cash flow of 100-300 thousand rubles per month.

The meaning of this investment scheme is that you buy or rent big house, cut it into apartments and start renting out all the housing separately. The scheme brings much more profit than renting the entire house to one family. Of course, this way of investing requires preparation and careful planning. We advise you to use our free business plan on how to create apartment house and start making money on it.

Download free business plan

Business on tenement houses from scratch

Watch a video from a successful investor who has already started making money on the created apartment building:

Option number 6. Investing in a business project

If you have commercial experience and you are not deprived of an entrepreneurial spirit, then investing in a business - your own or someone else's - is one of the best decisions. True, there are pitfalls here, but they can be easily avoided if you have the financial reins of government in your hands.

But you and only you will determine the direction cash flows that will ensure the maximum return from them. No wonder many financiers believe that investing in your own business is the main condition for its rapid rise and flourishing.

Investing in your business is a profitable and correct investment

Advantages and disadvantages of investing in your business

Advantages (+):

• the ability to effectively build business processes and regulate them through the possession of monetary leverage;
• the ability to easily and quickly find co-investors and thus attract solid capital to the business;
• advantages in obtaining a loan compared to other investment.

Disadvantages of investing money in your business (-):

• great risks in market competition requiring business insurance;
• low liquidity: many assets, such as equipment, are difficult to sell without significant loss of time and money;
• the possibility of losing a share in the business when co-investors are attracted to it.

4. Where not to invest money

You should not tempt fate by trusting your savings to the authors of dubious projects (casinos, slot machines, all kinds of pyramids) and other adventurers "off the high road". Contacting them is like stealing from yourself.

Particular care should be taken towards businessmen who are in conflict with the Criminal Code: drug dealers, arms dealers and other contraband, brothel organizers, owners of front companies.

It is also better not to have anything to do with real estate scammers. Otherwise, you will be involved in their corruption schemes or become accomplices in such morally unacceptable acts as, for example, the eviction of lonely elderly people.

It is unlikely that a normal person needs money at a similar price. Moreover, there are many other - honest, socially acceptable, not contrary to human morality - ways to make money. Engage in them, you will not only gain financial well-being and independence, but also a reputation as a worthy person.

5. Conclusion

The expression “movement is life” is suitable not only for a living organism, but also for money. If they do not move, do not work - they weaken, become smaller and disappear. Losing their activity, they become dead capital, victims of inflation.

In this review, we talked about the main and popular ways to invest your money, and also considered the rules and recommendations of successful investors who have gained financial independence

In this article, you learned about the most popular methods of investing free money that allow you to increase your capital; reviewed the basic principles of investment; got acquainted with examples from the life of the most successful millionaires on the planet.

Now that you have become a financially literate person, and

In the last article, we reviewed . The disadvantage of these types of investments is a rather low profitability. They are aimed more at preserving capital than at obtaining good income. If this yield is not for you, then in this article you will learn more profitable investments that allow you to earn higher profits.

Immediately make a reservation, here we will talk about the potential possible profitability. No one guarantees you absolutely stable profits. All investments are subject to certain levels of risk. And you may even get losses. But if you use several tricks, you can reduce the likelihood of losses and get a very good profit, according to at least significantly exceeding, for example, what bank deposits give. But first things first.

The most profitable investment of money

Profitable investments in the stock market

The stock market allows you to invest money in several directions at once.

Profitable investment in bonds

Investing in bonds allows you to earn income slightly ahead of inflation. There are 3 types of bonds:

• OFZ or federal loan bonds
• municipal bonds
• corporate bonds

The most profitable are corporate bonds, in second place are municipal bonds, OFZ - they are inferior to them in terms of profitability. In terms of reliability, the opposite is true, the most reliable are OFZs, etc.

Profitable investments in stocks

In our opinion, the most promising investment of money is. And although the purchase of shares is considered a risky business and quite justifiably, if you invest money for a long time, such risks are reduced significantly, and on especially long periods they generally tend to zero.

The fact is that the market value of shares can vary greatly within even one year: both up and down. Sometimes such movements reach 20-30% in each direction. But on our side 3 assistants are time, inflation and business development.

If you buy shares for a long time, then according to statistics, the value always increases. According to statistics, the Russian stock market is growing at about 18-25% per year. Of course, this is an average figure calculated for a period of 10-15 years.

Advice. Take a look at. In addition to the potential for growth, you will qualify for a portion of the profits in the form of annual dividends. And if the company is developing steadily, then its final profit will also grow, which in turn will have a positive effect on the amount of dividends received.

Profitable investments in mutual funds

When buying mutual funds, you immediately become the owner of a whole block of shares (bonds) selected according to a certain principle. It could be, for example, only dividend shares companies that pay traditionally high dividends. Or shares belonging to any industry: oil and gas, financial, electric power and others.

Profitable investments in ETFs

An alternative to mutual funds are ETFs. In the world it is the most popular way of investments among investors.

For those who do not know what an ETF is, I will briefly explain .... investment fund buys various securities in a certain proportion (for example, shares), and issues its securities on the purchased assets, which are also freely traded on the stock exchange.

In Russia, the ETF market is not yet highly developed. About 10 different ETFs are traded on MICEX (http://moex.com/s221)

ETFs have the following features:

• reliability. This is also a security that is regulated by financial authorities on a par with stocks, bonds
• low cost in the range of 2-5 thousand rubles. Those. I have an amount of only 20-30 thousand rubles, you can make an investment portfolio that will include shares of several hundred companies from all the leading countries of the world. Such diversification will reliably protect your investments from unstable economic shocks. When economic downturn in one country will not greatly affect the state of your portfolio.
• currency diversification - investing in foreign assets - you protect your investments from the devaluation of the ruble. Here you can draw an analogy with the purchase of a currency with additional growth of shares through development and, accordingly, additional profit.
• When you buy an ETF, you are investing in several companies at once. Or in the company of other countries. Let's say in the ETF FinEx MSCI China UCITS - for the amount of $ 30 you will become a shareholder of about 150 largest Chinese companies
• high liquidity. ETFs can be sold at any time without any additional fees, as is the case with mutual funds.
• low costs - the annual commission is from 0.1 to 0.9%, which is several times lower than that of mutual funds. The difference will be especially noticeable in the long term.

The above methods of investment can be attributed to the "classic" The following investment methods are highly risky. When, in addition to trading risks, you can incur the so-called and. And as you know, high risks also carry fabulous profits (at least you can count on them).

Highly profitable investments in PAMM accounts.

The essence of the account is that you give your money to the management of traders who earn money on financial markets. Profits are shared in a certain proportion: 50/50, 70/30 or 80/20. Those. You get 80%, the manager takes 20% for the result. In the event of a loss, the entire burden falls on your shoulders.

How much can you earn?

Depending on the aggressiveness of PAMM accounts, you can count on 30-100% per annum.

Advice. Choose several reliable accounts that have been in existence for at least 1 year and show an average annual return in the region of 30-50%. More aggressive accounts sooner or later "merge" or go into a deep drawdown of 50%. By investing in several accounts, you protect yourself from losses, if one account goes negative, the profit from others compensates for this loss and, in aggregate, you will receive a profit.

Investments in HYIPs

This type of investment is highly risky. Basically, it's a gunpowder keg game. You can lose all your money in one moment. However, for those who want to significantly increase their capital, this is fast way achieve this. able to bring 5-10% per month. In a year, you can double or even triple your investment.

Advice. Invest in HYIPs a small part of your capital. And always withdraw profits regularly. Never invest in one HYIP. Pick a few and spread your money over them.

Finally

If you look at the future, then it is investments in the stock market that allow you to receive stable long-term profits. Investments in PAMM accounts and HYIPs can be considered as temporary short term investment, also with fairly high levels of risk.

Investing in stocks, bonds can give you more additional income. We are talking about IIS (). I think an additional 13% in the form of profit will not hurt anyone. Profits are never redundant.

Good luck with your investment!!!

bank deposit (or bank deposit) is money deposited with a credit institution (bank) in order to receive income in the form of interest at the end of the deposit term.

There are many types and conditions of deposits. There are term deposits and demand deposits. In the first case, the deposit is made to a certain period and can be withdrawn in full without loss of interest only after the expiration of this period. Demand deposits do not have a shelf life and are returned at the first request of the depositor, but the interest on them is significantly lower.

Contribution is an understandable and relatively reliable investment.

Opening a deposit is easy. To do this, you don’t even have to leave your home: many banks allow you to open deposits through mobile app or your site. Of course, for this you first need to become a client of this bank.

The main advantage of the deposit as a type of investment free funds is insurance cover Deposit insurance agencies in the amount of 1.4 million rubles. Within this amount, you can confidently place your deposit in any bank that has a license from the Central Bank of the Russian Federation. If the bank bursts, the state will return the money along with interest on the day the license is revoked. By the way, since 2014, more than 300 banks in Russia have been deprived of their licenses, and their depositors have certainly suffered.

The disadvantage of the contribution is that, compared with the individual investment account it provides rather modest opportunities for increasing funds.

Individual investment account

Individual investment account (IIA) - a type of brokerage account or trust management account of an individual, opened directly with a broker or trustee (for example, in a bank), for which there are two types to choose from tax incentives and certain restrictions apply.

The concept of "individual investment account" was legally enshrined on January 1, 2015. IIS can be opened as individuals- citizens of Russia, and people who are not citizens of the Russian Federation, but living on its territory for more than six months a year.

The maximum amount that can be initially put on IIS is 400,000 rubles. During the year, the account can be replenished with an amount not exceeding 1 million rubles.

A big advantage of IIS is the possibility of obtaining a tax deduction.

It is paid in the amount of 13% of the amount invested for the year, but not more than 52,000 rubles. That is, with 400,000 rubles, and with 1 million rubles, you can return no more than this amount. This option is suitable for you if you have a permanent job and the employer pays taxes for you. There is another option - to choose tax exemption.

The main disadvantage of IIS is that, unlike a deposit, it is not insured by anyone. However, if you open it in reliable bank(has been working on the market for a long time, is in the top 20 rating of Russian banks, there is no reorganization regarding it) and choose the right investment strategy, you can earn much more. In addition, in order to enjoy tax deductions, an investment account must be opened for at least three years, during which funds cannot be withdrawn.

How much can you earn on deposits and IIS

Let's compare how much you can earn if you make a deposit of 100,000 rubles and open an individual investment account for the same amount.

Deposit profitability

The weighted average interest rate on deposits for a period of one to three years in Russia as of September 2017 was 6.83% per annum. If we calculate income based on this interest rate, then in a year it will be 106,830 rubles. By reinvesting this amount, in two years you will receive 114,126.5 rubles, and in three years - 121,921.3 rubles. net income - 21,921.3 rubles.

Profitability of IIS

Strategy 1: invest in government bonds

Having opened an IIS, you can invest in such reliable tool, as federal loan bonds (OFZ), the issuer of which is Russian Federation represented by the Ministry of Finance of the Russian Federation. The yield to maturity of OFZ-26205 at the end of November 2017 was about 7.3%. Taking into account the tax deduction of 13%, the return on investment will be 20.3% in the first year. And for three years (the account is opened for a period of at least three years), the average yield will be about 11.6%. As a result, in three years you can get 138,504 rubles. Net income - 38 504 rubles.

Strategy 2: investing in corporate bonds

Another reliable and rather profitable strategy is investing in corporate bonds, the yield on which is slightly higher than on OFZ bonds.

For example, these can be bonds of Gazprom Capital and Rosneft. The average yield on the bond portfolio of these companies at the time of writing is 7.97%. If you put 100,000 rubles on IIS and, as a result, get tax deduction for one year, then after three years we will get an average figure of 12.3% per annum. By the end of the third year, the account will already have 141,020 rubles. Net income - 41 020 rubles.

By the way, for individual bond issues of these issuers, coupon income will not be taxed starting from 2018.

Strategy 3: investing in stocks

The biggest income can come from investing in stocks. However, this is also the most risky investment tool, because even if the shares of a company have shown growth over the past periods, this does not mean that this trend will continue in the future. Experienced investors advise investing in several types of stocks at once, so that the fall in the shares of one company can be offset by the growth in the shares of another company. This is called portfolio diversification.

The most proven investment is the shares of "blue chips" - the securities of the largest, liquid and reliable corporations. Among Russian companies, they include shares of Gazprom, Sberbank, Alrosa and others.

If at the beginning of 2016 you invested 100,000 rubles in equal shares in ordinary shares of the three largest Russian corporations - Gazprom, Sberbank and Lukoil, the average return on shares of which at the end of 2016 was 43.93%, then in just one year you would have earned 43,930 rubles. To this amount, add a tax deduction of 13,000 rubles. It turns out that in just a year you would have earned 56 930 rubles. At the same time, growth over three years is much more difficult to predict.

Outcome

The deposit will suit more conservative and cautious people, probably the older generation. Opening investment accounts- for more adventurous people. This is not just a fashion trend, but a good opportunity to earn money.