Investing in. Investment options for profit

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, in order to insure 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 investing 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 to explain to your grandmother at the entrance that you are buying shares in the fund management company that invests 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 more risky 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 paragraph we will only talk about them. From open funds you can withdraw money 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, the management company will do the management within the fund 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 not big 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 the 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. The minimum amount of entry into 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. It will be difficult for the average person to pick 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 deposit, you need to register on the BetPamm.com trust management platform and select several accounts for investment. 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 reputable 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 at 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 purchase gold using the WebMoney payment system.

Also, do not forget about cryptocurrencies, for example, Bitcoin, which, according to all forecasts, will rise in price in 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 protects you from depreciation in the first place 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. How to invest money in securities only a few know.

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, 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.

You can invest 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.

For investing 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.

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 return. 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. A profitable business 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:

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 this project every day. 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?

Investment in modern world are an integral part of economic development. In the scientific field investments are long-term investments in objects entrepreneurial activity, industry, Agriculture, transport and other industries to receive dividends (profits).

Investments are not always cash as is commonly believed, it is also shares, bank deposits, securities, shares, technological special equipment, loans, cars, any property or property rights and values.

The most common concept of the term "investment" is long-term cash deposits within the country through the implementation of financial and real investments. it tangible, intangible and financial assets.

What is investing

The very process of investing is capital investment, the implementation financial transactions to receive dividends and other financial effect. This is the process of reorganizing material resources into regular investments. Due to the constant circulation of funds between the fixed assets of the enterprise, the prerequisites for new investments are created.

The activity of any enterprise at a certain stage of development always intersects with the investment of resources in various assets, without which the enterprise cannot normally carry out its work. This activity is called investment, and the investment management process itself is called the investment management project of the organization.

Some enterprises, in order to increase the level of profitability, resort to investing temporarily free resources and assets, which also generate income, but do not participate in their core activities.

In any investment process, which is carried out to obtain the maximum benefit from investments, several parties are involved at once:

1. Investor - is the subject that makes the investment decision Money to one project or another. The investor is guided by information about possible investment dividends that will be invested in business development in the chosen field of activity.
2. Customer - an individual / legal entity selected by the head of the investment project for its implementation.
3. Investment project users any physical and legal entities, government agencies and civil services, foreign companies who are interested in creating investment activities.
4. Other members - banks, Insurance companies, suppliers, investment intermediaries, etc.

Investments: types, features of use

AT modern economy investments can be classified according to different criteria: according to the types of ownership, organizational structures, equity investments and other parameters.

Based on regional affiliation, investment is distinguished within the country (internal) and abroad (external).

Domestic investments are classified as follows:

1. Real.
2. Financial (portfolio).
3. Intelligent.

FROM real investments bind long-term investments focused on obtaining some new product. These funds are invested in various manufacturing enterprises for the purpose of reorganization, restoration, technical re-equipment and obtaining new elements of entrepreneurial activity. With real investment, the main resources expand, free finance appears to expand the business.

Among financial investment such instruments as bonds, shares, bank deposits, securities and other assets are realized. This type of investment is not in vain called portfolio investment, because the investor forms a special financial capital (portfolio) at the expense of securities.

Under intellectual investment it is customary to consider contributions to various scientific and technological developments, innovative solutions, etc.

1. Direct (investment in any tangible assets).
2. Indirect (investment through other persons).

According to the time of investment, they distinguish short-term and long-term deposits. In the first case, it means cash flow in the commodity-material base, securities, etc. Long term investment considered financing in tangible / intangible assets, the expansion of the funds of the organization. Long-term investment is capital construction, reconstruction, modernization of the production and technological base, etc.

If we take into account the direction of the investor's actions, then investments can be classified as initial, diversified, to expand or replace fixed assets, reinvestments.

In addition to projects focused on creating a new enterprise or improving the logistics of an enterprise, capital investments can be the costs of promoting a certain group of goods on the market. Thereby there is an increase in sales volumes, and an increase in commercial profits.

What is investment planning

Investment planning is an integral part of the management strategy of any enterprise. The essence of planning is to predict the most successful areas of investment. Planning is carried out when investing in land, construction projects, Natural resources, production of technological equipment, development of a series of products, securities and other assets.

The most significant component of the planning process is the investment policy of the enterprise, with the help of which the most profitable areas of capital investment are determined. This provides an increase production capacity, reduces the cost of production and increases the efficiency of the organization.

There are two most popular types of planning:

• capital construction, expansion of functionality, infrastructure and production base;
• bank deposits.

Almost all heads of enterprises consider capital construction to be a priority, as this allows the best way to modernize the technical base of production, reconstruct and expand the scope of the enterprise. If in capital construction is not necessary, then the most profitable investment may be receiving dividends from bank deposits. Some managers are also considering the option of buying a stake in a developing company, which allows them to direct part of its income to the development of the main production.

Investment planning should take into account any nuances economic activity enterprises: taxation, climate zone, inflation rate, availability of raw materials base, level of market development, availability of candidates for open vacancies, etc.

The priorities of planning include:

• determining the need for investment;
• drawing up a list of sources of financing, forming a constructive dialogue with investors;
• compilation of the cost of sources of finance;
• calculation financial efficiency for each type of investment (taking into account the return of borrowed funds);
• drawing up a well-designed business plan.

If you explain what investment is in simple words, then this is one of the most important tasks performed by any enterprise. The company's income directly depends on how profitable the company disposed of its financial resources.

What is crowdinvesting (equity investing)

Most people would like to increase their savings, but do not know how to do it. The main problem they consider insufficient amount of money. But not everyone knows about equity investing. Few have heard what the word investment means in terms of "crowdinvesting".

With equity investment, not even large sum money can bring great dividends. Crowdinvesting (venture investment) is a big income from a small amount of money.

The essence of crowdinvesting is to invest at the initial stage of development of an enterprise, business, trade, construction, etc. Having invested at the beginning of a project, the investor could subsequently receive such dividends that would be enough for several generations.

This type of investment is not very popular, but with the modern development of innovations, investments in "startups" look quite promising. Free cash, even in a small amount, with the right investment, will be able to show maximum results.

The scheme of investing in crowdinvesting is very simple. Investor studies available projects and invests in the most promising options (acquires shares of selected projects). Therefore, securities that cost a minimum at the initial stage, after the promotion of the brand, grow in price. Yes, small sum of money over time brings quite a lot of money.

Basic investment rules

There are many cases where different businesses with the same investment opportunities achieved completely opposite results. All this is due to the fact that each manager has his own idea of ​​​​investment (what it is, and what investment methods are the most effective).

Different results of investment activity are explained in ignorance of the most elementary rules of financing. Many business leaders may not know even the simplest rules of investing.

From this graph, you can see that at the moment the rating of investments in the Russian Federation is falling

Basic rules for profitable investment:

1. Drawing up an investment project. The investor must thoroughly study the investment potential of the enterprise. He must know how much money the company can allocate for a profitable investment. These funds can be invested only in accordance with the investment project, this money cannot be directed to any other costs.

1. Comparison of the size of the contribution with the possibilities. It is not recommended to invest working capital enterprises (if these investments will greatly reduce the pace of production). You only need to invest available funds without which the company will continue to work with the same efficiency.

1. Costs should not be comparable to profits. All costs in the enterprise must be justified. If they do not bring any improvements or dividends, then they were disposed of incorrectly. If the enterprise has any additional profit, this does not mean that costs should also increase.

1. Analysis and control of the movement of investment funds. The investor must be fully aware of the possible Negative consequences can bring improper distribution and investment of funds. There are no 100% guarantees in the investment market. Therefore, it is not recommended to prematurely dispose of dividends from investments.

Foreign investment has recently decreased from 75 to 5 billion dollars (approximate indicators)

Main investment options

There are a lot of profitable options for increasing your capital. The following areas are the most attractive for investment today:

• financing for own business;
• financing in someone else's business;
• investing in mutual funds (mutual investment funds);
• investments in banking programs;
• purchase of precious metals, jewelry, antiques, bank coins;
• investments in the stock market;
• investment in real estate;
• equity investment in Internet projects;
• PAMM investment;
• structural investment;
• buying cryptocurrencies;
• investment in personal development and training.

Smart investment is the key to a highly prosperous future. By investing free money in promising investment projects, you get the opportunity to significantly increase your wealth. What tools are potentially profitable and what profitability they can bring to a novice investor, we will analyze in detail in today's article.

Free money can be invested in these projects:

Sources of investment

The question of where to get free money is asked by those people who are already thinking about their future. As you know, money is not superfluous. Therefore, if you purposefully do not take measures to accumulate capital, then there will be nothing to invest. So where do you get free money to invest?

Consider 3 reliable options:

1. Save 10-20% of salary . This option always works. It is important to determine how much can be withdrawn without consequences. If you find it difficult to save money and the temptation to spend it is great, you can start. True, there are not so many options and they are not so profitable compared to investments of 100,000 or more. But you can consider investing little money as a temporary milestone that will lead you to a big goal.
2. Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can donate the initial capital for a good cause free of charge.
3. Additional income . As sources of additional earnings, you can consider overtime part-time work at the main place of work or short-term options with low pay. Of course, more work will have to be done. But for the sake of generating passive income in the future, it is worth making an effort.

TOP 17 ways to invest free money

So, you have a small capital and you want it to work. Below is a list of 17 working ways where you can invest free money. You just have to adapt them for yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

It makes sense to invest free money in the bank when you need to save up an emergency reserve just in case. Except term deposits, the interest on contributions is quite penny. Therefore, you should not count on good dividends even from a large amount. Anyone who nevertheless decided to place savings in the amount of more than 1,400,000 rubles on a bank account needs to divide it and put in different banks . To in case of default the state reimbursed the investment in full.

2. Securities

Stocks are one of the most attractive, but also the most risky options. As practice shows, it is better to entrust the disposal of securities to experienced professionals, although they cannot guarantee income. The peculiarity of the method is that the upper ceiling of profit, as well as loss, does not exist. In each case, everything is individual. Of course, you can predict the main trend based on past experience, but this does not always work.

Read our review about how to avoid the mistakes that 90% of novice investors make, and.

3. Real estate

A fairly popular method to attach free money. After all, investing means getting the opportunity for quick income and covering mortgage payments with it. However, it must be borne in mind that if the apartment is not rented out for some reason, the money must be paid from your own pocket. In the case when housing is purchased with your own capital, you will receive a stable income with minimal risks. It is most profitable to rent an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to earn on the shares of popular companies, banks and corporations. The options work scheme is built like this: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the rewards can reach 70%.

Earnings on options depend on whether you guess or not whether the stock price will rise or fall in certain period. You can buy them at different time ranging from 1 minute to months.

Option investment is carried out through a broker and requires knowledge of the basics fundamental and technical analysis.

5. Microfinance organizations

7. Business

One of the most controversial investment options. On the one hand, when right choice niche, it can bring the greatest profit to its owner. On the other hand, you cannot rely on long term income, without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face the strict restrictions of the franchisor.

Read a separate post, and you will find out what other pitfalls await you in .

8. Precious metals

13. Own website

Creating a website is one of the most popular ways to invest in this there are a number of reasons:

• small initial investment;
• efficiency of creation;
• you can immediately start earning;
• passive income in the future.

With all the advantages, it should be borne in mind that competition in this area is huge.

And before you start a project, you need to understand all possible ways monetization and promotion. Ideally, the investor should deal with these issues on his own, then the income will be maximum.

14. Social networks

The topic of making money on public in social networks does not lose its relevance. There are active discussions on the Internet whether it is still possible to make money on your group or the train has already left. It is difficult to answer this question unambiguously. In any case, those who started a couple of years ago have clear advantage. In general, everything depends on the organizational skills of the investor and experience in promoting projects.

In any case, dealing with social networks on your own, you do not need a lot of money. With a successful set of circumstances, you will receive a good income from the sale of advertising, with an unsuccessful experience, nothing will prevent you from selling a loss-making group.

15. Education

At the initial stage of a career, it is very important to invest in acquiring knowledge. New skills make it possible to establish oneself as a competent specialist and earn more money for a comfortable life in the future.

16. Structural Products

A stable way to invest savings, which gained popularity in the midst of the crisis and is still in use today. The bottom line is to divide the capital and invest the main share of investments (80%) in bonds and the rest (20%) in futures and options. This combination allows the investor to receive up to 40% return on success, and to remain with their funds in case of failure.

pay attention to comparison table below (click on the image to enlarge it):

Based on it, we can conclude that structural products have the most high yield with a relatively small investment.

Profits can be higher if we are talking oh, but here it is important to carefully monitor the news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal in order to increase it as a result of Forex trading activities. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. In case of loss, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.

Conclusion

As you can see, there are many worthy options where you can invest free money. The entry threshold for the listed alternatives is affordable, so you can try all the tools and determine the right one with little or no monetary loss. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.

All kinds of ways to invest money in order to make a profit are available to every person who has managed to create a certain resource base. The difficulty lies in making a competent choice of a niche and a particular company in particular. In order to save your funds and subsequently increase them, you need to be able to evaluate various investment projects and the selected market segment as a whole.

Profitable investment of funds

Those who intend not only to enjoy the fact of investing their accumulated capital, but also to receive generous interest, should take into account a few simple but extremely effective principles.

The first is income diversification. In other words, there should be several sources that generate. This will minimize the risks that are known to be inevitable in the difficult business of investing.

When forming, you need to understand that in percentage terms, instruments with a high degree of risk should be the smallest share. The main attention should be paid to the most stable areas of investment, which, although they do not bring super profits, are distinguished by a low level of risk.

Main types of investments

If we talk about the effective investment of funds, then you need to initially highlight the key areas that may be relevant for investors:

- Investments in the creation of new production. We are talking about the launch of a new enterprise or the process of reconstruction of an existing one. The latter option is relevant if it is necessary to enter new markets or start the production of any product.

- Investing in someone else's business- the so-called shareholding.

- Expansion of own production and increase of its efficiency.

-Investing in intangible assets. In this case, it is worth understanding the investment of funds in objects such as trade marks, licenses, copyrights, patents, etc.

- Net investment, the essence of which is to acquire a new company.

- Gross investment. We are talking about combining into a single complex of reinvestments and net investments. The purpose of such a maneuver is the acquisition and formation of additional funds for production, which will support the organization's fixed assets.

Investments of funds for the purpose of making a profit may include and work with venture projects as well as startups.

Don't forget about futures and options.

Also noteworthy bonds, stocks and bank deposits.

It makes sense to invest in precious metals, mutual funds and real estate.

For those who like to take risks PAMM accounts in the foreign exchange market.

In the following sections, some of these areas will be discussed in more detail.

and startups

If you try to highlight the most profitable investments, then you should start from this segment. This type of investment is associated with a fairly high degree of risk. In this case, there will be either a significant profit, or nothing. Various investors periodically invest in such areas, but they initially understand that they can lose all the funds that were entrusted to a particular startup team.

But if successful, the investment will justify itself many times over. For those who want to test their business flair in this area, there are special startup exchanges, which present various projects requiring funding.

Venture investment may also include investing funds for profit in investment funds, which, in turn, redistribute the funds received into various liquid instruments.

There are also accumulative insurance funds that actually operate under a trust management scheme and provide investors with the opportunity to receive a fixed percentage of the invested funds.

PAMM accounts

If we consider the most profitable investments, then you need to deal with the topic of PAMM accounts, since they are able to generate a fairly high income. But it is also worth noting that this method of formation financial flow is risky. In fact, it is one of the most common investment instruments in financial markets.

Investors in this case receive income from speculative operations that are performed by other persons, to whom the invested money is trusted. Typically, trading financial markets are engaged experienced traders, which offer open trading statistics so that the investor can assess potential risks.

As a result, investing money in order to make a profit in this particular segment implies the choice of a dealing center offering PAMM accounts, as well as a specific trader who will manage the finances entrusted to him. At the same time, such accounts have certain entry and exit rules. These are the following conditions:

The period within which profit is fixed (calculation terms);

The minimum investment amount;

The amount of commission that the trader receives;

Conditions under which funds are withdrawn.

In most cases, investors invest in several positions, choosing traders who have more risky, but profitable strategy and those accounts that don't give a large percentage, however, are stable.

Bonds

This tool definitely deserves attention. In this case, we are talking about a specific type of borrower's obligations to investors. often act as borrowers various companies in need of certain resources. They borrow money from investors at interest for a specified period. In return, investors receive bonds confirming the fact of their investment and the further return of a fixed percentage.

Any enterprise operating under such a scheme guarantees own property disbursement of received funds. If we focus on the average, then the interest on bonds will be from 8 to 12% per year. Such an investment tool cannot be defined as the best investment of money, but it deserves the right to exist, because it differs high level reliability. As for net profit, it is enough to cover inflation and, albeit slowly but steadily, increase equity.

Stock

Another way to increase financial resources is to invest in securities. By purchasing shares, investors receive the right to own a part of the company to which the purchased securities belong. The essence of earning is quite simple: you need to analyze offers on the stock market and choose the most promising company, which, according to forecasts, should grow. By investing in the shares of such an enterprise, you can count on stable growth their value, and hence it is not possible to sell securities at a higher price.

But in this case, there are certain risks. First of all, this is a fall in the value of shares, which will mean a loss of money. Another opportunity to say goodbye to invested finances is the default of the company that issued the shares. Therefore, the process of analytics before buying securities must be approached extremely thoroughly.

As another additional source income in the case of shares, in addition to the growth in their value, you can determine the payment of dividends, which is made by the company annually. Their size is approximately 0.5-1% of the value of the shares.

mutual funds

Considering various options for investing money, you should not lose sight of mutual funds. Their essence boils down to the fact that a certain number of participants unite their financial resources to purchase various assets including bonds and stocks. At the same time, there is a fund manager who, having the necessary qualifications, ensures competent and profitable investment trusted funds into actual assets.

Both in Europe and in the USA, such companies have long been recognized, and their number is constantly growing. This investment tool has several obvious advantages:

First of all, it is full transparency of all processes. The system implies constant reporting both to the contributors themselves and to organizations that perform the verification function. The reports provide information on operations and transactions involving the fund's assets.

No need to acquire financial literacy for those who invest in mutual funds. Instead of investors, employees of the management company, who, in turn, are highly qualified, will think.

Saving time. An investor who has made a choice in favor of mutual funds does not need to analyze the securities market, delve into the affairs of a particular company and assess the situation.

With such advantages, mutual funds can be safely placed in the category "The most profitable investment of funds", since they not only provide a stable and fairly high income, but also do not require the active participation of the investor, freeing up time resources for other things.

precious metals

This category of investments is worth considering separately, since it involves some important nuances. First of all, it is worth noting that precious metals should be understood as gold, silver, palladium and platinum.

You can buy them in the form of ingots and coins, as well as by issuing a so-called metal bank account.

When considering the prospect of buying bullion, it is important to pay attention to the current tax code RF. The fact is that the legislation defines ingots as property, which means that if they are sold, VAT will have to be paid. The surprises do not end there: when trying to sell the bullion to the bank, the investor will be faced with the need to pay 13% income tax.

A more profitable way would be the acquisition of investment and commemorative coins. Both of them have a fairly high demand and allow you to get a stable growth of capital. In addition, if they are sold, you will not have to pay VAT, although income tax cannot be avoided.

The conclusion is simple: when considering different methods and other precious metals, attention should be paid primarily to coins. But if the investor is more interested in the safety of his funds, then it is better to take the opportunity to open a safekeeping account in a bank.

You can also choose an "impersonal" metal account, which, in fact, performs the function of a deposit, only precious metals are used instead of currency.

You can also invest in securities backed by gold. Do not exclude the possibility of earning on the acquisition of shares of gold mining companies.

Investments in real estate

This direction of investment has allowed many people to earn significant amounts of money. But it is important to understand that such activities require a competent approach, otherwise the amount of capital due to unsuccessful investments can be significantly reduced.

But first, it makes sense to pay attention to the advantages of this method of earning:

When real estate prices rise, you can earn;

Much more profitable than bank deposits, because it allows you to receive income stably and in much larger amounts;

residential and especially commercial real estate able to bring a good profit through rent;

There is always an opportunity to increase the liquidity of certain objects by improving their condition (repair, technical equipment);

Owning real estate makes it possible to borrow from the bank big loans For others investment projects and create new sources of income.

One of the most basic risks in this type of investment is the fall of the real estate market. In this case, the opportunity to profit from the sale of objects is blocked.

A fairly profitable option is to invest in the primary real estate market. You can earn good money selling an apartment in a new building, especially if there are several objects. This is one of the most common areas in which money is invested now. However, they are also associated with some risks. If you are not lucky enough to deal with a bad developer, then the construction of the house will be frozen indefinitely, as well as the money invested in it.

Therefore, before investing in primary real estate, you need to carefully study the reputation and qualifications of the developer.

Results

It is obvious that there are many tools that allow investors to profitably invest their accumulated capital. But each of them must be approached thoroughly, taking into account the possible risks. With a careful and thorough investment strategy, you can use several opportunities at the same time and successfully diversify your income.

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂

There are a lot of investment options! Not all of them are effective, and what to hide, there are often just fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest our money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples and useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

• What are the investment options, what is their yield and which one to choose?
• Where can you profitably invest money on the Internet?
• How to invest money in order not to burn out?
• And also about where it is better not to invest your money!

Get comfortable and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and loss!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

Usually the risk is proportional to the return, i.e. The higher the return, the higher the risk and vice versa. But this rule does not always work.

But in any case, who does not take risks, he does not earn. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

And also consider all the pros and cons of each investment option.

Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals…) — 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (currency market, cryptocurrencies…) — 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with a very high yield, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to receive maximum income, but at the same time completely forget about the risk. And as a result, because of greed, they are left with nothing.

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimum amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules!👇

2. Where is it better to invest money in 2020 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest money so that they generate income!

I will immediately share with you, using my personal example, one fairly profitable investment that allows you to receive much more than usual bank interest. 😉

Pamm-account "Arslanov Fund" and its profitability

Another PAMM account that I invested in is ““, the largest account in Alpari, it manages more than 155 million rubles!

Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, nevertheless, for 5 years, it brings investors "clean" every year near 60-80% . Agree very well! 😀

Another plus of PAMM accounts is that the minimum investment amount is practically unlimited here, you can start with at least 3,000 rubles.

For the time being, I am only looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article.

However, although in this way you can earn quite significant amounts, nevertheless, you should not forget about the risks. Still, invest in PAMM accounts no more than 25-30% of the total amount of your investments (at the same time, also distribute the risks among the accounts, do not invest everything in just one account, choose at least 2 accounts).

More details about this type of investment will be described later in the article, so be sure to read to the end.

And now we will consider separately each of the options where you can invest money.

Option #1: Bank deposits/savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 4% to 8%.

Deposit rates have been falling steadily in recent years and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

So for 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts”(IIS), which, for example, can simply be opened in the same (using this link, you can invest 1 month without a commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.😀

☝️ In addition, if you invest money for at least 3 years, you can get a personal income tax deduction (13%), i.e. in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But of course, there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis ! In the rest of the time, the shares as a whole are growing steadily and show good profitability.

In addition, you need to understand that the price of shares depends very much on the actions of speculators, rather than on the real one. financial position companies on the market.

Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (US 100 high-tech companies).

If you do not want to personally invest, then there is an option to entrust the money to professional managers. I already mentioned how I invested in Alpari managers at the beginning of the article! I will tell you more about this direction a little later in this article!

You can easily invest in stocks through.

CONCLUSION: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

Yield:	Risk:	Payback:	Minimum investment:
15-100% per annum (share price change + dividends)	depends on strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium/high)	(⭐️⭐️ - medium/high)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal/moderate risks, relatively high returns can be obtained.	(+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold.	(- ) Knowledge is required. Uncontrolled risk and "flirting" with the market can lead to significant losses.	(- ) In the event of a crisis, stocks can seriously and quickly fall in price.

Option #4: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

DESCRIPTION: But this method is usually suitable for those who do not have the experience and time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.

Moriarti PAMM account, its profitability for 5 years was 135464% (click to enlarge)

💡 More than $2.5 million , its profitability for 5 years amounted to over 135 thousand percent.

However, it should be taken into account that despite the fact that in the past the accounts/portfolios showed good returns, in the future there is always a possibility that they will turn out to be unprofitable.

Therefore, I repeat, do not invest all your money in one trader! Distribute funds at least among 2-3 reliable managers that trade profitably for a long time. If the accounts are relatively new (less than 6 months old), then completely divide the initial investment among 5-10 traders.

Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!

For more information about what Pamm accounts are and how they work, you can watch a free training webinar from professionals in their field:

You can go to the Alpari website and get acquainted with Pamm accounts.

With a larger initial capital, you can work with large stock brokers (for example, Finam and BCS), which also provide various trust management strategies.

✅For example, on Finam in trust management can give from 300 thousand rubles. Their website features dozens of diverse strategies: conservative, moderate, and aggressive.

Of course, both brokers and managers also cannot guarantee 100% that you will receive income.

Here I want to tell you a few words about the so-called "structural products", because they are also directly related to trust management. Income here, as a rule, is not the same as Pamm accounts can give, but nevertheless, structured products can bring significantly more than bank interest and bonds.

They are also intended for beginners who want to increase their money. Structured products can bring returns up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which, as experts expect, will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars(some brokers have a higher minimum threshold) and for a period from 3 months.

I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.

✅BCS offers investments in Gazprom shares with a guaranteed return 10% per annum(even if their price falls) and 100% capital protection. In the event that the share price rises, then you can even get 14% per annum .

So there are only 2 options: you will get either 10% or 14%. Consider that there are no risks, except for the actual bankruptcy of the company. But it's extremely unlikely that the #1 company on everything brokerage market bankrupt in Russia, it is similar to the fact that Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.

Investments are calculated for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Particularly suitable for beginners.

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and more	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By allocating funds to the most efficient managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option #5: Bonds

DESCRIPTION: Where do you think the money is invested big banks? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the simplest instruments for investing. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

☝️ By the way, Sberbank and other banks sell national government bonds.If you invest for 3 years, then you can get an average return on them of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most currently available bank deposits. Moreover, in the future, interest rates on deposits may decrease.

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, you can invest large funds in bonds, since the protection of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens and hundreds of percent . But such bonds have a low credit rating(For this they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought without the need to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and more)	depends on bonds (very low for government bonds)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium/low)	(⭐️ - low)	(⭐️⭐️ - medium/low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low returns compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for low-rated bonds). The lower the credit rating, the less confidence in him.

Option #6: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency.

This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased $10,000 at the exchange rate of 57 rubles/dollar — as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, amounted to 30 000 rubles(of which the broker's commission is approximately 600-800 rubles).

On Forex, you can trade both yourself and give money to manage professional traders(This will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience and h knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

It is important to note that when trading personally, you need to follow a proven trading strategy, otherwise trading is likely to turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to the strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can earn a high income. For those who are not ready to study seriously, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and more	strategy dependent (initially high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If you have an effective strategy, you can get high profitability.	(+ ) Low entry threshold and accessibility.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you do not manage the risk. 99% of newbies lose their money.	(- ) Training is required: special knowledge and experience, as well as the ability to manage emotions. There is no guarantee that in a given period you will make a profit.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

Another option is to buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

At the same time, even if you have a small initial capital, you can still open your own business. Many people have opened profitable business with practically no investment or with minimal investment, so money is not the most important thing here, the main thing is desire and aspiration!😀

I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires about 70-80% - These are entrepreneurs who started a business from scratch!

✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even if it is small at first. The main thing in this business is not to be afraid take the first step!

Think about it, maybe you always wanted to open your own auto shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a business in the service sector.

I will also give you a few options from my experience, how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is easy to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this! 🙂

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

CONCLUSION: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and more	High risk initially	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest yields among all investment instruments.	(+ ) It is easier for businesses to find partners and/or co-investors. You can start without large investments, the main thing in business is an idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity- It is difficult to quickly sell a business.	(- ) You need to understand the business and understand how it works, even if you invest in a "foreign" business. You need to constantly learn.

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

Mutual funds are professionally engaged investment activity, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a share investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, such as Sberbank.

If this type of investment is right for you, then it makes sense to choose not one mutual fund, but several in order to distribute possible risks.

And make it a rule before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Yield:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average return exceeds interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) There is no guarantee that you will receive income. There is an additional "commission" (surcharge) for buying/selling units.	(- ) You will have to pay a 13% income tax - many other investments have preferential taxation conditions.

Option #9: Microfinance Institutions (MFIs)

DESCRIPTION: Another type of investment is investing in MFIs. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

How longer term investment, the higher the interest rate. Minimum term in MFIs, as a rule, it is 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you still decide to invest in an MFI, be sure to choose a trusted company that has been operating on the market for more than one year.

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!😉

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Yield:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFIs are allowed to attract from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious Metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

Gold coins/gold bars can be purchased both at almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).

Despite the high reliability, investing in gold is more suitable for saving existing funds than for increasing them. In addition, such investments are designed for more long term from 3 years and more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has grown from 1,600 rubles per gram to 2,400 rubles per gram.

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has fallen significantly in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.

Yield:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is practically no risk of depreciation of gold. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions banks/brokers when buying/selling precious metals, incl. gold.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course the most best time for investment was a few years ago, when bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that bitcoin is about to crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that bitcoin and other cryptocurrencies will probably grow in price.

Especially while cryptocurrencies show a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In the case of the growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies, in a matter of days they can both grow in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. The complete absence of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to earn money in this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

FROM 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

Meanwhile, the owners of such publics also earn mainly from the publication of advertising posts. In public with millions of subscribers, the cost of one advertising post can be worth 2-7 thousand rubles .

Publics with relatively small investments pay off very quickly. Although now the competition in publics is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then you won’t have to wait long for success!

3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.

For example, if a person who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

If you can effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go exactly to advertising.

But in this case, the main role is played by experience, without it, nowhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers…

For example, projects that are engaged in the exchange of electronic money(in fact they are called exchangers).

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is through exchangers. By the way, you can also buy bitcoins with the help of exchangers.

Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a fairly decent income is obtained.

5. Apps for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where big money is spinning.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent affiliate commissions from airlines.

Even if you don’t know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays the key role - the success or failure of the application depends on it.

6. Hype. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest (1-5% per day) on the invested funds, but of course they can only function for a few days or weeks, after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a "scam" (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can give high returns with a minimum investment.

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High yield. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort.	(- ) There is a risk that the project will not shoot and will not pay for itself.	(- ) knowledge is required. You need to be well versed in the key nuances of the Internet business.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment tool.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture capital investments.

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investment is underdeveloped in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Yield:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (in venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widely developed - investment sites may turn out to be financial pyramids.

Option number 14: Art objects

DESCRIPTION: Another unusual way to invest your money is to invest it in art. This is a rather narrow and specialized market, however, it can bring good returns.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only cost more over time.

And the crisis practically does not affect the value of art objects.

CONCLUSION: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and more	minimum	usually 1 to 3-5 years	from 100 000 rubles and more
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get a relatively high return with minimal risk.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investments in art require a large initial capital and involve long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option #15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, but always the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience ...).

It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.

I think more than once you have heard stories that most people who have won millions in the lottery, after a few months or years, again returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences about investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the USA: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - in a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍

Yield:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks/months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money.	(- ) For many, it is difficult at the first stage to motivate yourself to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules for proper investment - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money properly!

First What I talked about at the beginning of the article is not to store all your eggs in one basket. Especially this rule concerns you if you have big money to invest.

Instead of investing everything in one instrument, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second— try to invest most of the funds (40-60%) in assets with the least risk, the best choice between return and risk, as for me, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is an already tried path, in which a huge number of people have lost fortunes!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- Before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure it's real company not scammers.

It will also be great if you learn how to give 10% of your profits to charity.

✔️ As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. Consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. Worst case you can open Bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

Also a relatively small amount by the standards of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payouts, very profitable terms etc. - all if only people would invest their money.

💡Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier) are essentially also built on the basis of financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

Another controversial investment tool is sports betting. It is realistic to make money on them in the long term, but only bet organizers and 5-10% of participants (those who are in the know) do this, and the rest only constantly lose money.

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin 😀).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀

Let me reiterate that, in my experience, the most profitable investment is an investment own business / business and knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!