2015-2016 promise to be difficult for most Russians. The economic situation in the country has heated up to the limit. And the general situation in the world suggests that the crisis is not far off. Many are already asking the question: “Where can you invest money so that it works and generates income? » . There will be many similar questions in this article. We will try to give answers to them, because the ruble is losing its position in the financial market every day. And the issue of capital preservation is becoming more and more acute.
The crisis in Russia is close. How to earn on your savings?
Where to invest money to make it work? it main question, which is set by the majority of Russian citizens. After all, it is no secret to anyone that the political and economic situation in the world has become extremely aggravated in recent years. Instability in the financial market is constantly reflected in Everyday life of many people. The ruble is falling at an incredible rate, this is due to many factors. First of all, the Russian economy was affected crisis situation in Ukraine and sanctions imposed by the EU in connection with it. But to a greater extent, according to experts, the cost of oil is to blame, which in Last year dropped to the limit. All these factors significantly influenced the ruble exchange rate. Ever since the national currency lost the confidence of its citizens, the Russians have been asking the question: “Where is it safe to invest money?” After all, many experts argue that the ruble can devalue. And this, in turn, will lead to the fact that many will lose their savings. But that's not all. Analysts are confident that in 2015 there will be massive job cuts and a decline in wages. Therefore, speaking about where it is now profitable to invest money, many still think about how to make money on them.
Investing money in a bank. Benefit of the deposit
Where to invest money to make a profit? One of the most popular ways for Russians to keep their savings is a bank. Of course, many use banks solely as a financial cushion with the amount of funds to live on for a short period. But you can approach this option from the other side. Due to the fact that this year Central bank Russian raised key rate up to 17%, it has become very profitable to put savings on deposit. After all interest rates have become much higher, especially for investments in national currency. Although deposits in foreign currencies can also be no less profitable. In addition, some changes have been made to tax code. That is why, using a deposit, you can not only invest money profitably, but also protect your savings from the risks associated with. When choosing this method for saving own funds experts recommend contacting the most trusted and reliable organizations. For example, Sberbank, Gazprom, VTB and others Making a deposit will not take much time and, in turn, will bring a pleasant monthly income. If you invest a large amount, then on the interest that is offered today state banks, you can even live!
Real estate investment
Answering the question: “What to invest money in in 2015?”, Many experts recommend turning to such a proven and safe type of investment as real estate. Everyone knows that it is she who takes first place in terms of trust from citizens. But often many people use square meters solely as a way to save their savings. Forgetting that such an investment instrument can bring a considerable income to its owner. Of course, to purchase real estate considerable funds will be required. But if you skillfully manage them, then the profit from the acquired real estate will cover all costs. It is best to buy an apartment at the initial stage of building a house. Such projects bring the most high income. This is especially true for luxury housing. In addition, it is not at all necessary to sell this property in the future, there is always the opportunity to rent out your square meters. But for this you need to carefully consider the infrastructure and location of the apartment when buying it. Carefully inspect everything that may negatively affect the client's interest: number of storeys, communications, view from the window. All these little things play very important role when renting an apartment. But at the same time, having good deal with a client, you can count on a good monthly income. What is as profitable to invest money as in real estate?
Forex market and PAMM accounts
Where to invest money to make it work? Often, reflecting on this issue, experts confidently talk about the Forex market. In the investment market of Russia, most recently appeared new form for investing funds called a PAMM account. Experienced players declare with confidence that with the help of such accounts you can earn good money. This is especially beneficial today. After all, the principle of earning money is precisely that it is necessary to play on currency races. And today there is just such a trend in the financial market. But experts warn that almost 90% of beginners, starting to work on the Forex market on their own, lose their savings. Firstly, there is not enough experience and knowledge, and secondly, for many, Forex trading is just a side type of income, which is why there is not enough time to delve into the intricacies of the foreign exchange market. Therefore, experienced players often advise beginners to use the services professional trader. Well, or, in extreme cases, take a series of training courses, which are often offered for free by investment companies and exchanges.
Securities and shares
During past crises, many Russian citizens, at the risk of losing their savings, invested them in securities and stocks. Those who at least somehow understood this business, after a few years already had a good income. Well, those who had no experience in working with stocks lost their last savings. Answering the question: “Where to invest money to make it work?”, we can say that investing in shares will bring a decent profit. But this can take years, and you also need to have a sufficient level of skills and knowledge to choose a worthy company. It is best to trust a professional manager with a good history of profitability. But even in this case, one cannot be one hundred percent sure that the shares will bring profit. After all, today's market is so volatile that it can devalue the shares of absolutely any company in just a couple of minutes. And experts advise: before choosing this type of investment, consult with experts or use special courses that will help you gain some knowledge in this area.
Investing in gold and other metals
There is a category of citizens in Russia who, each time faced with a crisis problem in the country, absolutely do not ask themselves the question: “Where to invest money in order to earn money?” This category includes people who trust only this type of investment, like gold. This is not surprising. After all, since ancient times, gold was considered to be modern market the situation has changed somewhat, but the fact that gold is generally rising in price is an indisputable fact. Of course, over time, the trends of such investment have changed somewhat, and today bank customers are successfully investing not only in gold, but also in other metals. These include silver, platinum and palladium. Invest your savings in precious metals there are several ways: to purchase a gold bar in a bank (but you will have to pay a tax of 13%), to buy gold coins (they can be found in Sberbank and other similar large organizations), to redeem securities (only those backed by gold through the stock exchange), as well as open a non-cash metal account. For those who have never used this type of investment, it is best to stop at the last option.
New of the season! Investing in art
It is not surprising that, facing the question “where is it profitable to invest money now”, many choose not quite standard types of investments. Recently, investing in art has become fashionable. But this is not just a fashionable trend, but really a very promising type of investment. After all, with some lots you can get a benefit equal to 100 or even more percent of its value. But there are also several important points. In order to really make money in this market, you need to understand art to some extent. Or use the services of experts and appraisers. Yes, and understand fashion trends, so to speak, try to predict what will be at the peak of fashion in the near future. It all sounds very strange and complicated. In fact, the profit from this type of investment is high exactly as much as the work in this area is difficult. It is for this reason that this type of investment will not be mastered by everyone. But everyone wants to invest money profitably!
Investing in the Internet
Where it is really profitable to invest today is the Internet. After all, the Internet is present in the life of every person. Every year this type of investment is gaining more and more popularity. There are a lot of investment options on the Internet, everyone will be able to choose the most suitable way of earning for themselves. The most important thing in this case is not to stumble upon scammers. After all, with the growing popularity of this type of investment, the number of cases related to customer fraud has also increased. In order not to become one of the deceived investors, it is necessary to carefully study all the documentation, and, if possible, any information about the selected company. Where to invest money to get more? The choice is not just wide, but huge: HYIPs, cryptocurrencies, sites, MFA sites, etc. Starting from creating your own website and ending with profitable investment in promising projects, you can earn very profitably. It is difficult to say exactly how much you can earn on investments on the Internet. It all depends on how much money will be invested and which direction the investor will choose. But given the fact that the Internet is becoming more popular every day, the risks of losing your investments are quite low.
Investments in your own business
Where to invest money to earn a simple person? After all, not everyone can decide to give their savings to the bank or buy unreliable shares on them. For the category of citizens who are suspicious of investing in other people's companies, experts advise considering the option of opening a private business. Moreover, now is the right time for this. Foreign companies, due to sanctions and the unprofitability of doing business in Russia, will hastily leave the Russian Federation. This will reduce competition in the trade market. Yes, and the market commercial real estate, most likely to reduce the cost per square meter. All this will provide an excellent opportunity for a novice entrepreneur to start a successful business of his own. Where to invest? It is best to turn to basic necessities, clothing or food. The dollar, most likely, will still grow, so you can fill the assortment with national goods and dilute it with Chinese products. Experts also recommend looking at areas such as pharmacy and funeral services. No matter how strange it may sound, but such organizations will always be profitable. Of course, the risks associated with starting your own business are quite high. But the economic situation in Russia today is not too stable. Therefore, such an investment choice can be quite successful! In addition, to reduce risks or when there is a shortage Money find a suitable companion.
Investing in your own development
Where to invest money to make it work? As you already understood, money can work in different ways. Many, thinking about the issue of investing their own funds, often stop at the choice of self-development. What does it mean? You can, for example, use the accumulated funds to receive additional education or attend expensive courses to teach something. To do this, it is enough to pay in full the entire course for the entire time. The funds will be invested quite profitably, right? Money can be used to educate your children or provide long-needed medical care to your loved ones. In general, even experts believe that such investments are very profitable. After all, the cost of education and medical care grows annually. In addition, such investments do not require additional knowledge. In general, leading experts insist that you should try to invest your savings in different areas, thus insuring yourself against possible failures. And this means that the question of where to invest money a common person, not so complicated!
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:
- 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.
- 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.
- Additional income . As sources of additional earnings, one 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. When a home is purchased for equity, you will receive stable profits 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 perspective.
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 structured products have the highest profitability with relatively small investments.
The profit may be higher when it comes to, but 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.
We have to think more and more often about where to invest money to make it work. And this is not surprising: it is easy to invest, it is much more difficult to return the money later. If not to increase, then at least to save savings from fluctuations in exchange rates and inflation is the main task of people. A successful investment of funds makes it possible to receive a monthly stable income.
5 basic rules for a novice investor
Before presenting you with specific options for investing, let's look at the basic rules that should be followed in this type of activity.
Rule number 1. Don't keep your eggs in one basket or diversify.
Investment diversification is the distribution of investments among different investment instruments in order to reduce the risk of loss of invested funds.
Those. You don't have to invest all your money in one company. After all, there are always risks and something can go wrong. Allocate your funds across different instruments. Thus, it will be impossible to lose all the money at once.
Rule number 2. Use only YOUR “working capital”.
working capital- this is the money that you debug from the main income, especially for investing.
Those. You should only work with personal funds, do not lend money for investment. If you do not have working capital, but you still want to invest, start saving part of the funds every month in the bank or under the pillow (for example, 10-30% of income). Over time, you will accumulate a significant amount.
With the loss of investment, this should not affect you and your family in terms of health and standard of living (although it will affect your mood anyway), so we do not invest our last pennies.
Rule number 3. Return your deposits and reinvest.
The money that your working capital brought in should be invested in other assets. After all, by increasing them, your passive income will constantly grow.
Rule number 4. Don't look for 100% reliability.
You take risks every day, risk is part of our life. Leaving the house there is a chance that you will be hit by a car, so now do not leave the house? And what will you do with a plane that can fall on your house?
This does not mean that you should always and everywhere headlong and thoughtlessly take risks. This means that you must manage risk using rules #1 and #2.
Rule number 5. It pays to spend less than you earn.
Those. you should live according to your possibilities, well, or earn according to your needs, whichever is more convenient for you. Forget about loans credit systems aimed only at ruining a person and extorting money from him.
Where to invest money so that they work and make a profit - 14 investment options
We got acquainted with the rules, now it's time to move on to real investment tools. Next, consider what options are available for investing working capital. Let's start.
Option number 1. Bank deposits
The best way to save savings from inflation without much difficulty is bank deposits. Nothing needs to be done, and the amount is growing. Keeping money in a bank cell is much more profitable and safer than “mattress investments” at home. It is important to familiarize yourself with the offered deposit programs before making a deposit. The minimum amount in some banks does not exceed one thousand rubles. This means that even small savings will be saved and will give a small, but income.
And here it is important to remember about inflation. If prices rise above eight percent, the savings kept in the bank will not be depreciated. In reliable and profitable offers are possible:
- early or full withdrawal of funds;
- the presence of a branch of the selected bank in the area of residence;
- the amount of investment in one financial institution - no more than seven hundred thousand rubles, that is, according to the amount of deposit insurance.
Losses from depreciation are compensated by a multi-currency deposit. When one currency falls, the quotes of another rise. So the risk of loss is reduced. Only extremes are not needed: why invest all the funds only in the purchase of currency, albeit in various denominations? The ruble will begin to grow in any case, and the risk of losing invested funds will increase.
Be sure to carefully read all the terms of the agreement before making a deposit. This is necessary in order to know how big the risk is and what guarantees the organization provides in case of work stoppage. Only with this approach can high profits be achieved and the risk of losses reduced.
Wealthy and successful investors make deposits according to their own criteria. But they have a whole staff of consultants, and they understand the nuances of the market like no other better than newbies. Therefore, completely copying their actions is pointless. You won't get exactly the same results.
Option number 2. Currency
Since the “harsh nineties”, the habit of keeping savings at home in foreign currency has remained. Usually rubles were converted into dollars. Now the currency is again becoming a good option. It’s not safe to opt for dollars, it’s better to use euros or CNY. The situation in the United States will have to be constantly monitored.
But it is also dangerous to leave money in rubles: the floating exchange rate and sharp fluctuations in the oil market does not benefit the national currency. And again: experts do not advise storing “all eggs in one basket”. Therefore, the best option is multi-currency savings.
Option number 3. Forex invest
Quotations of securities and dynamics of exchange rates - an opportunity good earnings. Profits can be high, but such investment, judging by the reviews, is not recommended for beginners. More reliable tool– PAMM accounts. But even here there are no unambiguous opinions.
"For" and "against" Forex
Forex trading involves a considerable initial investment, and in the absence of experience and elementary skills, it is better to forget about profit. Fixed income- this is your own strategy and the fullest observance of its rules in any circumstances. Then the crisis is not a hindrance to income growth.
But learning to develop your own strategy will take several months and even, perhaps, at least a year. And PAMM accounts are managed by experienced traders. They have already completed the training, and the results are impressive. They will work with trusted funds, and the resulting profit is divided in half. An interesting option: the capital is guaranteed to increase.
Forex - earnings on the difference in exchange rates. To obtain a stable income, market knowledge is essential. And using electronic advisor programs is not an option. They helped someone to win, while someone was deprived of all investments. So in order to receive passive income, you will have to undergo training. And the best way out for a beginner is PAMM accounts
Why is a PAMM account good?
PAMM account - trust management capital. The investor invests, trusting the trader investment company make deals with them. Just ten dollars of initial capital - and a hundred percent profit with almost no time and effort - is tempting. But here it is important not to fall into a pyramid instead of an honest company. Therefore, it is important to look at registration, the availability of certificates and licenses, it is mandatory to check reviews on blogs and forums. If the company's profitability exceeds ten percent per month, then this is alarming.
The manager, the trader chosen by the investor, will manage the capital. And spending time neither collecting information about the manager and analyzing his portfolio is not at all in vain. You should not invest in pamm accounts that are less than six months old. And the number of such accounts should not be more than two dozen.
It is impossible to predict the success of an investment, so even with the right choice, a pamm account remains risky. Therefore, you can not invest in it borrowed capital and make a contribution to only one company. The higher the interest, the greater the risk.
True, it is impossible to predict the time of liquidation of the company. But they are disturbing:
- payment delays;
- a sharp increase in interest on deposits;
- increase in the number of ways to replenish the account;
- change of company status and website design.
In this case, it is important not to take risks, but to divide the funds into several parts and make several investments in different directions: real estate, antiques, Bank deposit, stocks, precious metals. The risk is different, if one investment is unprofitable, other investments will be profitable.
Option number 4. Binary Options
binary option- this is financial instrument with a fixed cost and a predetermined amount of potential profit.
When you buy an option, you make a prediction in which direction the price of its asset will go (up or down). In the case of a correct forecast, you make a profit, usually 70-85% of the value of your bet, otherwise you lose the amount of the bet (some brokers return 15% if the transaction fails). Those. with a bet of $20, your profit will be equal to $14-17, or you will lose $20.
Well, how can you make money here?
The question arises, how can you earn, and even more so invest, if the chance to “guess” is 50%? It is possible, but only with proper preparation. As Vladimir Ilyich Lenin said: “Study, study and study again” . Without it binary options really very similar to roulette.
Option number 5. precious metals
Investments in precious metals, silver and gold remain quite reliable. Their prices are rising, and therefore the investment is promising. Despite outside influence, palladium retains its position.
But a significant disadvantage is that investments in precious metals are long-term. Therefore, less than a couple of years of investment is meaningless. But to contribute to such long term not everyone agrees without firm confidence in winning.
To invest in physical metals, you can open a metal depersonalized account or CHI. This is an analogue of the usual account, but without commissions, Palladium, gold, platinum and silver are counted in grams. Prices are set every day, that is, the amount of funds in the account changes constantly. Such investments are suitable for analysts who want not only to save capital, but also to increase it.
Option number 6. Real estate
Where to invest money to receive monthly income? Real estate is in demand at any time. So the way to invest in it is always in demand. Real estate prices are now declining, as the demand for housing among the population is still decreasing. But interest rates are rising. Lending under such conditions is unprofitable, and the owners are forced to lower prices in order to attract buyers.
But here's the cost of one square meter is so high that neither government subsidies nor special programs to support the construction of economy housing can lower it. It turns out that even if it turns out to start lowering prices, it will not happen soon.
Of course, we are talking only about investing personal funds, not mortgaged or taken on credit. Interest payments will completely cross out the hope of income. In this case, the acquisition of real estate or land plot- a win-win. And in the future, it turns out to acquire additional housing, and receive income from renting out.
And this is understandable. During the crisis, people move from small towns to megacities, and they have to live in rented apartments. Rent is required affordable price, and the appearance of such an offer is most welcome: it is very beneficial for everyone. So that visitors receive housing, and the landlord income. It turns out that when property prices fall, the price of rent increases.
You can always sell your land for a profit. In addition, the land brings profit to farmers. So its use for its intended purpose, that is, the organization farming is also income. Growing agricultural products is both work for oneself and loved ones, and benefits from obtaining fresh products, and income from the sale of their surplus.
Bankruptcy auction purchase
Since even big players tend to buy real estate cheaper, then it makes sense to look closely at the objects offered at bankruptcy auctions. Their price is several times lower than in normal conditions.
Option number 7. Shares and bonds
Such an investment is risky even in good times. And in conditions of instability, only professionals can accurately predict which companies will remain, and even that is not a complete guarantee.
To make a profit on shares, the amount of money invested in the purchase of a share package is important. The stock market is unpredictable, as is the behavior of an investor, and neither experts nor professionals can name the size of the profit. The beginning of bankruptcy is a violation of the terms of trade.
To make money on stocks, it is tedious to understand and know how the selected company makes a profit. According to experts, it is important to accurately predict the increase in the price of shares. If after the purchase the cost has increased sharply, it is necessary to sell them. Then a good profit is guaranteed, as well as a positive reputation for a businessman.
If the stock price falls, then you can make money on the fall. It is necessary to act according to the strategy of "short" sales. Shares are rented from a broker. A few days later they are redeemed and again given to the broker. Income - the difference between the cost of selling and buying a block of shares.
Collected from shares investment portfolio requires constant monitoring of the news, monitoring the situation on stock exchanges and timely transfusion of funds, that is, activity.
What can be wisely invested in? You do not need to have a significant amount of money to earn income in the stock market. The initial investment amount ranges from ten to thirteen thousand. It is also pleasant that the transactions are carried out by a specialist under a power of attorney issued to him. However, this does not mean the complete removal of the principal from business: it is imperative to monitor the situation in the country and the world and view analytical calculations.
If planned short term investment, then the whole position will have to be taken into account when choosing a direction. The purchase of shares of the country's leading companies provides an opportunity for a quick payback on the shares of metal processing organizations and producers of mineral fertilizers. Shares will grow, and this trend will be realized in the future.
Option number 8. Mutual funds: mutual funds
It is also not easy for mutual funds to effectively organize investments. For the most part, they lose more than they gain. But you don’t have to delve into the direction of the movement of funds. This method is a joint contribution of shareholders. One person or a management company only manages them.
mutual fund investment fund. Several investors trust professionals to manage their money. Managers invest in the most profitable, in their opinion, directions. It turns out that investors get the same opportunities as big banks, Insurance companies and pension funds.
Money is invested in different directions. With an increase in the profit of the mutual fund, the income of the investor also grows. When selling a share, the investor receives losses or gains in the form of the difference between the selling price of the share.
The initial share price is determined by the fund. It is most profitable to buy it during a market fall. The main advantages of a mutual fund are the ability to invest without special knowledge, high profitability, and reduction in investment costs. The state strictly controls the work of companies. And this is a good additional guarantee of stability.
Mutual funds are bond, stock, index and mixed. To buy a share, you need to contact either the agent bank of the mutual fund or the company itself to notify you of your desire. After signing the agreement with the fund, the funds are transferred to its current account.
After acquiring a share, the client receives a confirmation of opening an account, crediting a share to it, and a statement of the amount. However, before investing, it is worth visiting the site pif.investfunds.ru/funds. It contains all the information about mutual funds.
Option number 9. Business investment
A good option would be to invest in a Franchise. Franchising, in essence, is the cloning of the parent company. You are given ready plan works, train you and provide information support when starting a business in your area. It's like a ready-made constructor, there are all the details and instructions. It remains only to assemble a working system.
In the case of a business, you will not receive passive income, but when debugging business processes, you can delegate all the work and hire an executive director. In this case, it's more like an investment. Such a system will bring you income without your participation.
Option number 10. Investments in information sites
Income when investing in information sites comes from placing banner, contextual, teaser advertising on them, with affiliate programs, as well as from the placement of advertising articles. In fact, this is a passive income (if you do not take the placement of advertising articles, although this work can be delegated).
Such a resource can be created from scratch, but this requires certain knowledge. Let's look at investments in finished projects.
How much can an information site cost and what is the return on investment?
Approximate price 20-24 months * monthly income of the site (the formula is valid for small and medium sites). For example, if the site brings in $400 per month, the price will be = $400 * 20-24 months. = 8000 - 9600 $. Those. return on investment 4-5% per month . To make such purchases and sales, there is a special exchange telderi.ru.
In the case of independent development, the profitability of the project can be 50% per month. But it is worth considering that the new site will reach normal positions only after 4-8 months of active development (this also depends on the topic and competition in the niche).
What is the advantage of such an investment?
You receive monthly passive income. Subject to the further development of the project, the monthly income increases, as does the cost of the site itself in case of resale. The site acts as an asset.
Both for creating your own project and for buying finished project special knowledge and skills are needed, but there is nothing super complicated, there would be a desire to figure it out.
How much money does this site make?
The site you are currently on (site) brings in approximately $420 per month from Google AdSense contextual advertising.
Option number 11. Investments in Internet startups
Not so long ago, a new investment option appeared - in Internet startups. The exchange is a kind of online version of shares. Large investors are not interested in promising, but small by their standards projects. And without funds for development, the undertaking will remain only for them.
Promising projects are strictly selected before being included in the exchange catalog. After that, funds are allocated for their development. They are shares in free float. Investors can receive income from the first month approximately 3-7% monthly. If necessary, to make a profit, you can always sell shares within the system.
Option number 12. Investing in microcredit
People are constantly short of money. This means that the popularity of lending is growing. But if you want to engage in this type of investment, you should enlist the support of a knowledgeable person who is familiar with this area and has considerable experience. He will have to consult a partner often.
Without the assistance of a professional, investing is pointless: if you do not know the specifics of the case and do not have the slightest idea about its correct organization, then the invested funds will not only not be saved, but the risk of losing everything will increase significantly.
Option number 13. Investing in the purchase of coins
Very profitable investment in coins. They are tax-free and easy to store. It is only important to do everything carefully. Even a small scratch on a coin reduces its value. The easiest and most reliable way to store an investment in safe deposit box. Of course, there are additional costs, but the risk of damage due to negligence is reduced to zero. Silver and gold coins are especially attractive.
It is important to buy such coins or ingots only in banks in order to choose by weight. AT credit institutions there are all certificates confirming the origin of the metal. So that long term investment will pay off. Unlike ingots, jewelry is not devoid of impurities, so the purity of the metal in them is a big question.
So regardless of the size of the planned investment, a few million or just one thousand, all conditions must be completely clear, and the invested funds must generate income. And for this, investments need to be supervised. What business to invest in?
You need to invest in real projects, and not in mirages that crumble at a close look. So huge dividends in record time are a warning sign. It is better not to make contributions to such projects: it is recommended to save your own nerves and funds.
Option number 14. Investing in education
Where do rich people invest their money? If there is available funds, then why not invest them in your child's education? Education has long ceased to be free. And there are many payment options. You can make a one-time payment for the entire term and track attendance at classes. The investment is fully justified
Just before investing, you should find out if the child himself agrees to study at the chosen institution. If he does not show any inclinations towards the direction chosen by his parents, then the investment will be an empty phrase.
Yes, and find out everything about educational institution necessary: it asks for a lot of money, but whether it corresponds to such injections is a question. A limited circle of contacts, formed on the principle of “we are friends with those with whom it is beneficial” and often deliberately overestimated marks - a reason to be wary and think: is such an investment profitable?
Investing in the development of staff qualifications is one of the areas for investing in wealthy people. Knowledgeable employees who are able to quickly and accurately assess situations, work productively, maintaining and strengthening the team spirit - this is a sure investment that pays off in the shortest possible time.
The most popular directions for investments
Quite large investments in industry. They are occupied by large investors. Their profit is already considerable, and therefore the size of the investment is impressive. Investing in the development of industry is not only profitable, but also a very fashionable and patriotic direction.
When investing in deposits or real estate minimum size monthly income in Russia can be ten percent. More risky investments in stocks, precious metals and financial pyramids. You can earn up to five hundred percent of the down payment, or you can lose everything.
A pyramid is generally an unpredictable way of investing. Let promises be kept at first, and profits reach enormous proportions. But this is only for those who came first. Further, a decrease in income begins and, finally, a logical result: the disappearance of both the organizers and the money.
You should not give in to promises to easily double or even triple your funds on the Forex game. Exchange operations are an occupation for professionals. And only they can predict the behavior of currencies, and even then not always. And losing money, and a lot of it, because of gullibility is too reckless. Investments in the development and development of your website, business or participation in a mutual fund are more advantageous: thirty percent of the investments will return as a profit.
Where not to invest
But where it is not worth investing under any circumstances is in the purchase of cars and mink coats. It is clear that buying a pair of luxurious fur coats for the price of one is a real success.
But after all, the moth will not refuse delicacy. Such a product does not lie for a long time, and the styles lose their relevance. Same principle for large networks distributing luxury perfumes.
Household appliances are an unwise investment. It becomes obsolete, losing in value. It will be impossible to sell it even at the purchase price.
It is worth remembering that even a brand new car loses about a third of the price after leaving the salon. And it is impossible to return these funds. Over time, equipment does not become more expensive, unlike precious metals.
Preservation of capital is a topical issue, and therefore it is important to approach its solution in a balanced way, without haste, having discussed all the pros and cons of future investment. Ultimately, the issue of stability and profit margins depend on the decision.
The Parable of the Plumbing
In the last article, we reviewed . The disadvantage of these types of investments is a rather low profitability. They are aimed more at preserving capital than at obtaining good income. If such a return is not for you, then in this article you will find out more profitable investments that allow you to get higher profits.
Immediately make a reservation, here we will talk about the potential possible profitability. No one guarantees you absolutely stable profits. All investments are subject to certain levels of risk. And you may even get losses. But if you use several tricks, you can reduce the likelihood of losses and get a very good profit, according to at least significantly exceeding, for example, what they give bank deposits. But first things first.
The most profitable investment of money
Profitable investment in stock market
The stock market allows you to invest money in several directions at once.
Profitable investment in bonds
Investing in bonds allows you to earn income slightly ahead of inflation. There are 3 types of bonds:
- OFZ or federal loan bonds
- municipal bonds
- corporate bonds
The most profitable are corporate bonds, in second place are municipal bonds, OFZ - they are inferior to them in terms of profitability. In terms of reliability, the opposite is true, the most reliable are OFZs, etc.
Profitable investments in stocks
In our opinion, the most promising investment of money is. And although the purchase of shares is considered a risky business and quite justifiably, if you invest money for a long time, such risks are reduced significantly, and on especially long periods they generally tend to zero.
The fact is that the market value of shares can vary greatly within even one year: both up and down. Sometimes such movements reach 20-30% in each direction. But on our side 3 assistants are time, inflation and business development.
If you buy shares for a long time, then according to statistics, the value always increases. According to statistics, the Russian stock market is growing at about 18-25% per year. Of course, this is an average figure calculated for a period of 10-15 years.
Advice. Take a look at. In addition to the potential for growth, you will qualify for a portion of the profits in the form of annual dividends. And if the company is developing steadily, then its final profit will also grow, which in turn will have a positive effect on the amount of dividends received.
Profitable investments in mutual funds
When buying mutual funds, you immediately become the owner of a whole block of shares (bonds) selected according to a certain principle. It could be, for example, only dividend shares companies that pay traditionally high dividends. Or shares belonging to any industry: oil and gas, financial, electric power and others.
Profitable investments in ETFs
An alternative to mutual funds are ETFs. In the world it is the most popular way of investments among investors.
For those who do not know what an ETF is, I will briefly explain .... an investment fund buys various securities in a certain proportion (for example, shares), and issues its securities on the purchased assets, which are also freely traded on the stock exchange.
In Russia, the ETF market is not yet highly developed. About 10 different ETFs are traded on MICEX (http://moex.com/s221)
ETFs have the following features:
- reliability. This one also security, which is regulated financial authorities same as stocks, bonds
- low cost in the range of 2-5 thousand rubles. Those. I have an amount of only 20-30 thousand rubles, you can make an investment portfolio that will include shares of several hundred companies from all the leading countries of the world. Such diversification will reliably protect your investments from unstable economic shocks. When economic downturn in one country will not greatly affect the state of your portfolio.
- currency diversification - investing in foreign assets - you protect your investments from the devaluation of the ruble. Here you can draw an analogy with the purchase of a currency with additional growth of shares through development and, accordingly, additional profit.
- When you buy an ETF, you are investing in several companies at once. Or in the company of other countries. Let's say in the ETF FinEx MSCI China UCITS - for the amount of $ 30 you will become a shareholder of about 150 largest Chinese companies
- high liquidity. ETFs can be sold at any time without any additional fees, as is the case with mutual funds.
- low costs - the annual commission is from 0.1 to 0.9%, which is several times lower than that of mutual funds. The difference will be especially noticeable in the long term.
The above methods of investment can be attributed to the "classic" The following investment methods are highly risky. When, in addition to trading risks, you can incur the so-called and. And as you know, high risks also carry fabulous profits (at least you can count on them).
Highly profitable investments in PAMM accounts.
The essence of the account is that you give your money to the management of traders who earn money on financial markets. Profits are shared in a certain proportion: 50/50, 70/30 or 80/20. Those. You get 80%, the manager takes 20% for the result. In the event of a loss, the entire burden falls on your shoulders.
How much can you earn?
Depending on the aggressiveness of PAMM accounts, you can count on 30-100% per annum.
Advice. Choose several reliable accounts that have been in existence for at least 1 year and show an average annual return in the region of 30-50%. More aggressive accounts sooner or later "merge" or go into a deep drawdown of 50%. By investing in several accounts, you protect yourself from losses, if one account goes negative, the profit from others compensates for this loss and, in aggregate, you will receive a profit.
Investments in HYIPs
This type of investment is highly risky. Basically, it's a gunpowder keg game. You can lose all your money in one moment. However, for those who want to significantly increase their capital, this is fast way achieve this. able to bring 5-10% per month. In a year, you can double or even triple your investment.
Advice. Invest in HYIPs a small part of your capital. And always withdraw profits regularly. Never invest in one HYIP. Pick a few and spread your money over them.
Finally
If you look at the future, then it is investments in the stock market that allow you to receive stable long-term profits. Investments in PAMM accounts and HYIPs can be considered as temporary short term investment, k too with enough high levels risks.
Investing in stocks, bonds can give you more additional income. It's about about IIS (). I think an additional 13% in the form of profit will not hurt anyone. Profits are never redundant.
Good luck with your investment!!!
- 7 concrete examples- where to invest money so that they work, which we will analyze further
- Deposits or investing money at interest
- Create your reserve fund before you move on to high-yield and risky investments
- 3 ways to invest in currencies and stocks
- My experience - investing in mutual funds with a minus sign
- Investing in stocks in the stock market
- Exchange trading on Forex and the hype with the growth of the exchange rate
- Investing in real estate - new buildings, hotel business, tenement house
- The first property is a new building in the Moscow region, 4 km from the Moscow Ring Road
- The second object of real estate - Profitable house in the suburbs
I was looking for various options where to invest money. It was a fun and undoubtedly rewarding experience, except for one problem - not knowing was very expensive and required money for each new attempt.
For reference - the price of ignorance in investing is too high:
One of the last houses I bought for the purpose of investing money cost me additional expenses of 967,000 rubles, which could really be saved even at the stage of negotiations about buying a house if I used one of the principles of investing in real estate:
Anything that is claimed by the real estate seller to add value to the property, but is not connected, must be tested and launched before you shake hands.
Heated floors, heating, gas, drinking water and its analysis, electricity and so on - in my case it turned out that the incredibly expensive heating system had to be turned off, as it was defrosted. Change pumps and water treatment - it did not fit the local conditions and so on.
7 specific examples - where to invest money to make it work, which we will analyze further
3 ways to invest money in the currency and stock markets:
- Investing in Blue Chip Stocks Using the Four Fools Strategy
- Investing money in mutual funds - share investment funds
- Investing in Forex currency
3 options for investing in the real estate market:
- Investment in new buildings
- Daily rental business
- Investing in tenement houses
- (+) 1 way of temporary storage of money and stabilization fund - bank deposit
One day you suddenly realize that your income is growing, but there is no bank account and savings - everything that is earned just as quickly goes down to maintain a growing standard of living and loan payments. Everyone sooner or later asks the question - where to invest money so that they work for you.
Bookmark so you don't lose
Save in 2 clicks
not to bore you long theory, I will say that deposits cannot be considered a means for profitable investment money, at best temporary place for your savings until you find a better and more profitable way to invest.
The income of deposits is at the level of inflation (usually lower), although it is still 2 times better than giving money to Pension Fund, but still not enough to create capital through compound interest - when you receive dividends, you invest them again, and interest is also charged on them.
Build your reserve fund before you move on to high-yield and risky investments
The stabilization fund should be kept on deposit and amount to at least 3-4 monthly expenses of your family, and preferably 6 monthly expenses.
In the event of any interruption in cash flow, you will have enough time to correct it, without affecting your standard of living. With such an airbag, you are much more likely to succeed in highly profitable investments in real estate and you do not have to urgently sell your assets for next to nothing to pay your current bills.
3 ways to invest in currencies and stocks
on the stock and foreign exchange market there are players and speculators who play on the difference in exchange rates, and this can hardly be called an investment of money, because you need to have quite a lot of knowledge in this area and constantly monitor your open positions- every working day.
From passive investments, one can consider investing in stocks for a long leverage, for example, according to the four fools strategy, as well as mutual funds ( mutual funds), in which the manager trades for you.
A mutual fund is a mutual investment fund, when you acquire a share (share), and company manager is already acquiring shares and other assets with the money of shareholders and taking its modest small percentage for management.
If you decide to invest in this tool - consider investing in an index mutual fund of shares, as the most independent of the manager.
My experience - investing in mutual funds with a minus sign
When I first started thinking about investing, I bought a mutual fund that seemed to me to have very good upside potential. As a result, for 5 years of investing in this mutual fund, its profitability was MINUS 4%.
I naturally used the averaging method - where you put equal amounts monthly to smooth out possible market drops and compensate for the bottom.
I thought that the PIF is completely passive view investing and missed obvious moments when it was necessary to close positions and go into money, although there is another problem here - in order to sell a mutual fund, you had to go to a bank branch and write an application for redemption, which completely deprived this instrument of attractiveness.
Therefore, after 5 years, I paid off the mutual fund and received a final yield of minus 4%. Although there are probably a lot of people in this market who give out (or say they give out) a lot of profitability. There are no people in my environment who made their fortune on mutual funds, but what about you?
The main idea of the day is to invest in those tools that you understand
The “invest-forget-and-don't-call” principle always leads to the fact that your money disappears.
Therefore, before making your first investment, learn the mat. part, or rather the theory and practice of investing with a sharpening on the instrument that you have chosen.
Investing in stocks in the stock market
Another investment experience is investing in blue chip stocks using the four fools strategy. Full version I will write the strategies sometime later, the main point is that you choose companies from the list of blue chips, according to the principle of dividend yield - the ratio of dividends paid to profits received.
The logic is simple - the less money a company pays out of its profits to shareholders, the more it invests in its development, and, accordingly, shares can grow in price.
From the list received, 4 companies are selected in which money is invested.
This experience was pretty good, I made money by buying and selling stocks, but it was not like investing, but just fun trading at the monitor, which you need to do all the time:
groundhog day at the trader's monitor
My conclusion about investing in stocks - the stock market is not suitable for creating passive income and cash flow:
This method can be considered as one of the investment options, but at the same time it is necessary to regularly monitor the market and, in case of a change in the course, withdraw it into money. My opinion is that this is a rather risky and unpredictable investment if you do not do it regularly and do not track the daily dynamics. Therefore, either study and go to the stock market as a job, or get ready to lose money.
Therefore, for me, this option as a source of passive income is not suitable.
Exchange trading on Forex and the hype with the growth of the exchange rate
One of the advantages of my business is that income comes in different currencies, they gradually accumulate on accounts, and one day I issued a VIP card in one of our banks and received a personal manager as a gift. It is also possible to trade Forex through your broker without the retail spread (the difference between buying and selling a currency).
This gave me the opportunity to simply dial a phone number in a matter of minutes to conduct a deal to sell one currency and buy another. When the hype began with the growth of the dollar, I did just that, the rate rose from 52 rubles to 69 rubles.
I was certainly glad, remembering the first principle of investing. Invest in what you know. I armed myself with courses and books on Forex trading and began to regularly look at exchange news about the cost of oil, a bunch of other information and the activity of the Central Bank in the market.
When the dollar rose to 69 rubles, I bought more and immediately it began to fall to 54-55 rubles. As a result, from all my actions, I lost about 300,000 rubles, simply because I did not want to take losses and sell, hoping that the rate would grow back.
When you read this advice in books worth 300 rubles, you think that I am certainly not one of these naive guys, but only when you lose real serious money does it get to the head and well .... py.
Investing money in Forex and PAMM accountsis a roulette and a game
In this topic, you must constantly keep your finger on the pulse if you trade on your own. This can be done, but again, the experience will cost you a significant amount of money, plus this topic requires a fairly large amount of time and attention, in my opinion.
If you select PAMM accounts (when your account mirrors the deals of top traders for modest deductions), in principle, you can consider it as an investment option, but again, you need to understand how justified the risk is and how much capital you are willing to risk, I would allocate about 20% of the savings for this topic, and invest the rest in real estate. More about this
Investing in real estate - new buildings, hotel business, apartment building
After various experiments, I came to the conclusion that investing in real estate is the most interesting in my case, and here's why:
- Real estate, unlike stocks and currencies, usually grows in price, but this growth in the value of an object is like a cherry on a cake, because. basic money gives cash flow from renting out
- Regardless present value real estate, we rent an object and receive passive income monthly
- Leverage can multiply the return on investment in real estate
- Further, this income can also be taken into account in the bank, in order to use leverage for the acquisition of the following objects, which also generate income, and so on to increase income by leaps and bounds.
- It turned out that it is possible to invest even with minimum amounts 200-300 thousand rubles + there are options to start in general with minimal amounts(rental house, daily rent, co-investment, etc.)
The first property is a new building in the Moscow region, 4 km from the Moscow Ring Road
Initially, an apartment was purchased with an area of 100m2 in a house under construction 4 km from the Moscow Ring Road, its cost at the time of purchase was 7,500,000 rubles.
After 12 months, when the house was handed over and the keys received, market price real estate amounted to 9.5 million rubles, growth + 2 million.
The first installment amounted to 1 million rubles, the rest was mortgaged - 75,000 rubles a month for 20 years.
At the time of delivery of the house personal capital, invested in a new building amounted to - 1,000,000 (down payment + insurance) + 75,000 * 12 = 1,900,000 rubles.
About 100,000 rubles were paid off on the mortgage (for the first year)
In total, when selling an apartment for 9.5 million rubles, it turns out
- Mortgage debt repayment - 7.5 million (initial cost) - 1 million (first installment) - 100,000 rubles (loan paid off) \u003d 6,400,000 rubles
- It remains 3,100,000 rubles minus personal capital (1,900,000 rubles) = 1,200,000 rubles (profit for the year)
- Return on investment for the year was (1.2 million / 1.9 million) = 63% per annum
Mistakes made in the implementation of the strategy
