The most profitable and reliable investment. Is it worth investing in crashing stocks?

The question of how to manage the accumulated money excites the minds of many people. How can you make the most of the little money? And what is the safest way of investing for a person inexperienced in financial subtleties?

Here we will consider several working investment tools for an investor of any level. Let's start with a simple one - a bank deposit, and end with securities. Let's start!

Opening a deposit account

The most common and traditional way to help save a large amount in the last hundred years can be called bank deposits. Indeed, opening a deposit is publicly available, you can start with 1000 rubles, making a deposit does not require special financial knowledge.

Here are some useful resources on deposits:

However, there are several nuances that should not be neglected:

It is more profitable to open a deposit for a period of at least 3 months
More high income can be obtained if you do not withdraw the accrued interest, but provide for a deposit with the possibility .
Opening an account online through a bank's website often results in an interest rate increase of 0.5% - 1%.
To open a deposit, it is better to choose a bank that provides for minimal penalties for early withdrawal of money from a term deposit.

Let's calculate, based on the average interest rate, how much income you can get if you place a small amount of money on a deposit, for example, 5,000 rubles.

1st year: 5000 + 5000 x 10% = 5500 rubles;
2nd year: 5500 + 5500 x 10% = 6050 rubles;
3rd year: 6050 + 6050 x 10% = 6655 rubles;
4th year: 6655 + 6655 x 10% = 7320 rubles;
5th year: 7320 + 7320 x 10% = 8052 rubles.

Of course, at such a rate, without replenishment of the account, it is possible to double the amount of the deposit in 7 years. But the unpredictability of the domestic economy cannot guarantee that over such a long period of time there will be no events that devalue the little money invested.

Therefore, our task is to consider more effective types of investments that can bring significant income in the second year of their application.

What is a mutual fund and how profitable is it for an ordinary shareholder

Financial Analysts considered quite optimistic (mutual funds). The cost of "entry" to the fund can vary from tens to hundreds of thousands of rubles.

For example, the minimum cost of a share of 15,000 rubles, sells shares of 30 thousand rubles. However, even very small money can be successfully placed in a mutual fund by acquiring not a whole share, but its share.

The indisputable advantage of investing in mutual funds is their complete transparency and state control. Financial activities mutual funds strictly regulated by law. Therefore, fraudulent schemes when investing in mutual funds should not be feared.

If you do not know what a mutual fund is, then we highly recommend watching the video:

The only problem an investor faces is the choice management company, which will effectively invest shareholders' finances in profitable papers. To do this, you need to carefully study the ratings of mutual funds, which are published quarterly in the media or resort to the help of a financial consultant.

Where to begin? Here are some helpful resources:

The end of 2014 can be significant for mutual funds in that they began to actively invest in shares of foreign companies. Since the investment attractiveness of Russian sites is quite limited, the expansion of the market will bring unequivocal benefits to shareholders.

Raiffeisen Capital Management Company, which showed a 31.54% yield on its Raiffeisen USA mutual fund at the end of the year, supplemented its portfolio with US, Chinese and European stocks.

Taking into account that among the securities there are the most popular "blue chips", we should expect high yields in 2013 as well.

Risk of loss financial investments in mutual funds is purely theoretical. Due to the fact that the invested money is distributed among different objects, the chance that all enterprises will go bankrupt at once is zero.

PAMM - high risks!

PAMM investment is in many ways similar to the placement of funds in mutual funds, the money is also transferred to trust management account manager. Only this all happens in the virtual space, with the help of the Internet and the Forex exchange.

Opening PAMM-accounts today, many financial experts refer to the most priority types of investment.

The advantage of this investment can be called the fact that at first a small investor can invest a small amount in order to "taste" the possibility of earning on an international currency exchange.

The initial investment in a PAMM account can start from $100. Transferring money to a trust experienced trader, the depositor is freed from vigilant control over currency price fluctuations.

And since the trader's remuneration directly depends on the income received, it makes sense for him to earn as much as possible.

Again, even if the session is not very successful in one trading period, it may overlap the next day. The average profitability of PAMM accounts, according to statistics, is never less than 10-15% per month.

For the inexperienced stock player the best option will be investing in Alpari. More or less stable company. Forex-Trend competitor turned out to be a pyramid scheme

Consider what effect can be obtained by the results of the month, if you place a small amount of $ 1,000. Dividing the money between 20 traders, we have twenty PAMM accounts with $50 each. If we take into account that such a situation is possible that not all accounts will have equally profitable trading, then at the end of the month it will be necessary to calculate average return.

The average monthly yield is 11.21%, and at the end of last year, the profit was 177%. Thus, minus the commission that will have to be paid to the PAMM account manager, net profit with an invested thousand will be a little less than $ 100.

You can withdraw the profit received at the end of the first trading week. But it will be more profitable for the investor to capitalize profits, i.e. adding it to the principal amount of the account.

Passive income: gold, securities, currency

It is impossible not to call one of the solutions to the question “where to invest a little money” investing in precious metals. The acquisition of gold, platinum or silver is possible either in physical form(ingots), or by opening a metal account.

Undoubtedly, precious metals have not fallen in price for many decades. However, a dramatic increase in prices in the gold market is not observed.

Therefore, investing in precious metals should be planned for a sufficiently long period and it is better not to limit yourself to one metal when opening a metal account: “split” the amount into gold and another metal.

The topic of investment in precious metals is the most interesting for us. Here are some helpful resources

So where is it profitable to invest your money so that they work? In this article, we will look at 5 popular ways to invest funds that have stood the test of time.

Hello, friends! Alexander Berezhnov is with you, entrepreneur and one of the founders of the HiterBober.ru website.

In writing this article, I relied on my experience, the experience of my friends, and also studied a huge amount of materials and talked with large millionaire investors in order to give the most competent and detailed answer.

With this post, I begin a series of articles on the topic “Where to invest money”.

Here we will consider both popular ways of investing money and “exotic” ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.

At the end of the article, I will tell you where you should NOT invest money so as not to burn out. So let's go!

1. Principles of competent investment or what experienced investors look for

Here we will look at the principles that should be followed in order to get a percentage of your investments above the bank rate with almost the same reliability.

Why do I say that almost the same? Remember Golden Rule investment?

Profit is always proportional to the risks that the investor takes on!

It may seem banal for some, but the first thing you should start investing with is to acquire the necessary knowledge. This means that it is best to invest the first money not in stocks, not in gold, not in a bank, but to invest in yourself - they will pay off many times over. So it is recommended to do two richest man in the world - Bill Gates and Warren Buffett.

After you have the necessary knowledge and understanding of various financial instruments, their principles of operation, expected profits and risks, you can move on to practice.

Principles of competent investment of the world's leading investors

Principle 1. Create a financial cushion

This means that without a certain financial base, it is STRICTLY FORBIDDEN to invest. The only exception is a bank deposit, as it is rather not an investment, but a savings instrument.

What is a financial cushion and how to create it?

financial pillow- this is a six-month supply of money that you and your family can live on while maintaining the usual standard of living, having no other sources of income.

You can create such a pillow by regularly postponing financial receipts (salary) or by selling existing property.

For example, if your family is used to living on 50,000 rubles a month, then you must have at least 300,000 rubles to start investing.

The exception when you can start investing money at interest without having a financial cushion is if you have passive income.

Passive income- the flow of money coming to you, which does not depend on your daily efforts, such as renting out real estate, stock dividends or profits from an existing business.

Principle 2. Diversify investments

For your money to work correctly, think about where to invest it in order to comply with the principle of diversification, that is, the division of funds into different investment instruments.

If you have become interested in the topic of investing, then surely this concept is familiar to you. In other words, this means " don't put all your eggs in one basket". If you have a basket of eggs and it falls, then all the eggs in it will break and you will be left with nothing.

This will happen with your savings (savings), if you invest them all in one business (project) or investment instrument.

By the way, diversification involves not only investing in different financial instruments but also in different sectors of the economy.

For example, if you invest in stock market, then try to form your investment portfolio * so that your money works in companies of different sectors.

Investment portfolio- the totality of all assets of the investor. For example, if you have a deposit in a bank, stocks, real estate, a business - all these tools for making a profit in terms of investments will be called your investment portfolio.

To make your investment portfolio as resilient as possible to market changes, invest 20% of free funds in the banking sector, 20% in the oil and gas sector, 20% in the manufacturing sector, and 20% in the agricultural or food sector.

So, if one company (sphere) starts to suffer losses, then the rest will “pull” your funds up and will not let the portfolio sink.

Principle 3: Manage risks

Risks- this is the main "problem" that absolutely all investors face.

Remember, before you invest money somewhere, think about how much you can lose and only then - how much can you earn.

Unfortunately, beginners make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are already rubbing their hands in anticipation of millions.

How are things in practice?

But in practice - everything is different! Having overestimated their strength and experience, many people immediately try to engage in aggressive investing and lose money, instead of investing in more conservative instruments. So it turns out in the end that the greed of the fraer ruined ...

Investments are the same science as any other professional business, which means that you need to evolve in this direction gradually, going from simple to complex.

Start with 100 or with 1000 dollars, and God forbid you invest large amounts at once, especially in what you do not understand!

The height of illiteracy here is to borrow money at interest and try to quickly "crank" them in some "super profitable" way.

In 99% out of 100, this ends with the loss of the entire amount and the credit burden that hangs over you like a sword of Damocles.

Do not rush, because if you become an investment specialist, then your future millions will not run away from you anywhere. On the contrary, if you rush and try to get rich instantly, then there is a great chance that you will never earn big money.

Principle 4. Attract co-investors

As you gain experience as an investor, you can invest together to form investment pools. So you can get more opportunities - where to invest money so that they work with maximum efficiency.

For example, you have found a project or tool that you think is attractive for investment, you have free funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on a parity basis with you.

AT last years fairly common topic pamm accounts. In this case, investors transfer to trust management* own cash professional financial asset manager.

Trust asset management- a type of financial and business relationship where one person or company transfers its money (property) to another person - a trustee.
At the same time, the manager cannot dispose of these funds or property on the basis of ownership, but only has the right to use it to extract profit, a percentage of which he receives as a reward for successful management.

So several investors can create such pamm account pooled together and transfer this amount to trust management, while all risks of losses are assumed by investors in proportion to the invested funds.

With the manager of such an account (trader), investors can agree that he should stop working on the account when he receives losses in a certain percentage of the account value.

If we summarize this investment scheme, we see that investors are ready to donate, for example, 15% of their money to potentially receive 30% income.

Principle 5. Create passive income

Increasing your capital is very good, but no less important point what remains here is the creation of passive income from your investment activities.

Why is it so important?

If you understand the course of my thoughts, then you are guaranteed to take a fresh look at investing your funds.

illustrative example

You invested 100,000 rubles and received 130,000 rubles in a year, that is, you earned 30% on the invested funds.

However, next time you cannot be 100% sure that you will earn another 30% or more in a year. Considering that such profitability is much higher than the banking one, it means that the risks of this method are much greater.

You may even lose most or all of the amount if something goes wrong next time.

On the other hand, if for 100,000 rubles you could create passive income for yourself, for example, the same 2,500 rubles a month, which also amounts to 30,000 rubles a year, then in this case, you can easily borrow the same 100,000 rubles and invest them more conservatively, so your asset with a passive income of 2,500 rubles is a guarantee of the return of a new loan amount of 100,000 rubles.

In order to better understand how to create passive income and then create assets with it, I recommend playing the game " Cash flow» the famous investor, entrepreneur and business coach Robert Kiyosaki.

By the way, here is what Robert Kiyosaki says about the importance of passive income:

2. How much can I start investing

You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.

If you have no money at all, then just start saving at least for 10% from any of your income. So you will form the habit of creating a financial reserve for yourself and as your income grows, your savings will increase proportionally. Money will work for you while you rest.

Everyone is talking about saving money. famous people teaching success and proper handling of personal finances: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.

The fact is that many people, with an increase in income, begin to spend even more and even take loans, since they do not have enough money all the time. It is called "reached the good life".

Always control your balance between income and expenses, live within your means!

Franchising is one of the most reliable and profitable ways to invest.

Do you want a reliable investment option? Take advantage of the offer of our website partners: become co-owners of a chain of restaurants Japanese cuisine.

The project is handled by Alex Yanovsky, a businessman with 20 years of experience who has launched many successful startups from scratch. At the time of writing, the Sushi Master franchise has 125 restaurants in 80 cities and 8 countries around the world.

My friend Sergey, opened a Sushi Master point in Maikop in the format of an island, having invested 1.5 million rubles, and six months later he already paid off his investment. So the scheme works not only in theory, but also in practice.

In section number 4, I will describe in detail how to competently open a business for this franchise, investing quite a moderate amount in a promising area of \u200b\u200bpublic catering.

Here is what Alex has to say about the benefits of starting a franchise business:

3. Where to invest money to make it work - 5 profitable ways to invest

Now many people's eyes widen from various proposals - where to invest money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super-course, after which you will become a millionaire in a week.

But in most cases, all these "magic pills" are nothing more than good way steal your savings.

Now we will look at the classic ways that allow you to invest in understandable instruments with predictable returns and moderate risks.

Method 1.

This is the most popular way to save money, but its income is barely comparable to the inflation rate in the country. So if you invest money in a bank and keep it there from year to year, then at best you simply won’t lose it, there is no question of more or less tangible earnings.

Now Russia has adopted a law that guarantees payments on deposits in 1,400,000 rubles in case the bank fails. This applies to all banks that have an official license to carry out banking activities.

Previously sum insured was 700,000 rubles. That is, if you invested your money in a bank and for some reason it ceased to exist, then the state will compensate you for your money if the deposit amount does not exceed the insurance one.

Now in our country there are hundreds of banks with interest rates from 5% before 12% .

Historically, the most popular bank among our citizens is Sberbank, although here the percentage on deposits is one of the lowest, but the highest branch network and the high reliability of the bank itself allow it to remain a leader in terms of deposits.

Pros and cons of investing in a bank account

Pros:

high reliability (low risks);
high liquidity (the ability to return money at any time);
the minimum threshold for investment (you can start with 1000 rubles);
simplicity and clarity of the investment instrument.

Minuses:

low interest on deposits;
loss of interest on early withdrawals.

Method 2. Stock market and mutual funds

Part of the financial market where people or companies can purchase stocks, bonds, futures and other securities.

If you have free funds and want to get more income than in a bank, but you take on relatively large risks, then the stock market will be a good tool for you.

To start investing in securities, you just need to contact a bank or a specialized brokerage company which deals with the stock market.

Personally, I recommend two well-known broker companies for this. Investment company"Aton" and Brokerage house "Opening". You can safely invest your money in these companies so that they work and not be afraid to lose them.

Many cities have their offices.

By the way, speaking about the stock market, it is worth noting that there are different types of investors according to the duration of investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities within a short period of time: from a few minutes to several weeks.

There are medium-term investors, they buy shares for several weeks or months. There are also long-term investors, they usually act on the “bought and forget” principle - they invest their money in securities for several years, assessing the potential of the company and the industry in which it operates.

To last type investors include investment guru Warren Buffett. Once he was asked when to sell the purchased shares, and then Buffett replied that never! This is his concept of long-term investment.

You can manage your investments yourself or entrust this business to a professional manager (trader).

There are also special funds where you can invest money - mutual funds.

mutual fund- mutual investment fund. This financial institution, which independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.

According to the results certain period management, you are charged interest according to the size of your share.

But if you definitely receive more at the end of the year than you invested in the bank, then here your profitability may be negative, that is, the fund may work at a loss.

Pros and cons of investing in the stock market and mutual funds

Pros:

a small initial amount for investment (from 1000 rubles or even less);
interest at the end of the reporting period is usually higher than in a bank;
a large selection of investment instruments (stocks, bonds, futures, options);
opportunity to receive dividends;
the opportunity to independently compile an investment portfolio, choosing a flexible ratio of risks and expected returns.

Minuses:

relatively greater complexity of the investment process compared to a bank deposit;
relatively large risks (you can get a loss);
in certain cases, special knowledge is required (with independent investment portfolio management).

Method 3. Forex (currency market)

Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy some monetary units for others, such as dollars for euros.

Speculator traders make money on Forex, most of them make intraday trading operations.

After all, we want to know all the ways where to invest money so that they work and Forex will help us with this. After all, here you can quickly increase capital several times in a couple of months. In a popular article on our website, I have already talked about my experience of trading on the stock exchange and about how.

Indeed, in Forex you can earn a lot. However, this comes with huge risks and you can lose your investment capital in minutes.

Now a large number of companies offer Forex trading services. Such companies are called Forex brokers.

Be careful when choosing a forex broker. Since there are many companies now that do not bring your trades to real currency market and you just play on your computer in trading program like in a casino (of course, losing your money).
Before you start doing this way of investing, read customer reviews, go to the company's office, make sure it is trustworthy and serious.

Pros and cons of investing in Forex

Pros:

a small entry threshold (usually from $100);
the ability to quickly and earn a lot;
a large selection of investment instruments (currency pairs for trading).

Minuses:

special technical skills and knowledge are required for investment;
very high risks.

Method 4. Bitcoin (Cryptocurrencies)

Here you can make very good money, but also lose if you do not follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages: decentralization, anonymity, security, limitedness. This means that Bitcoin is not controlled by any state, and due to the limited issue and the growing demand for cryptocurrency, its price will only grow in the future. You can buy Bitcoin at a favorable rate in - this service is not only an exchanger, but also a crypto-wallet where you can safely store cryptocurrency.

Method 5. Real estate

One of the classic investment tools, when a person with money wonders where to invest his money.

You can buy both residential and commercial invisibility. It is natural that commercial real estate gives more income than residential, however, and requires more knowledge for its competent purchase.

Property other than buildings also includes land, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but this way of investing is also not without its drawbacks.

Pros and cons of investing in real estate

Pros:

the opportunity to rent out real estate and receive passive income;
the opportunity to sell real estate and earn on the difference between the purchase and sale prices;
a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
due to the fact that real estate is a tangible (tangible) asset, it can be used for your own commercial or non-commercial needs, for example, you can open a business in the premises, you can live in residential real estate.

Minuses:

high entry threshold (usually from several hundred thousand);
low liquidity (cannot be quickly sold without a significant loss of market value);
subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money if it is damaged or lost).

Method 6. Own business

If you have an entrepreneurial spirit and some commercial experience, then one of best solutions for you to invest in your own business.

Simple example:
Resale of Chinese goods with a large margin (300-800%).
You can buy goods in bulk in China or from a wholesale supplier in major city and start selling them online. Often such a scheme is also called "Business with China" - a very profitable and promising direction in Runet.
The team of our site is personally acquainted with a successful entrepreneur in this field, Evgeny Guryev. Zhenya not only has been running her business for a long time and effectively, but also teaches others about it.
If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months - contact Evgeny and he will guide you by the hand on all issues of creating a successful business selling Chinese goods.

Be sure to check out the testimonial of the wife's students to be inspired by their success stories:

Yes, there are also certain risks here, but you can manage them flexibly, because in this case you yourself decide where to direct this or that money in order to get the maximum return from them.

It is especially effective to invest in your own business if it is already running, and your new investments will help the business bring even more profit.

Pros and cons of investing in your business

Pros:

you manage your money yourself by building and optimizing business processes (being the owner of the business);
for business projects, it is quite easy to find co-investors, which helps to attract larger amounts than if investments were made alone;
it is easier to get a loan for a business than for other investment instruments.

Minuses:

high risk of losing money;
low liquidity of most assets (you cannot quickly sell equipment, goods, and the like without a significant loss in value);
loss of a share in a business project (in case of attracting co-investors).

4. Sushi Master franchise business - investing money profitably

Owning a business from scratch is a rather risky undertaking. This requires a solid start-up capital, an original idea and a well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a known payback period and guaranteed profitability.

The network of Japanese cuisine restaurants has its representative offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business falls on the Russian market.

Franchising is one of the leading activities of the Sushi Master company. The promoted product of the company is a predictable business with a proven and effective structure.

The owners pass the finished model to their partners, the latter only have to comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.

Franchise payback period: 5-18 months depending on the region of location, chosen format and other objective factors.

The algorithm for opening a Sushi Master franchise branch is as follows:

Apply on the official website of the company.
You pay a lump-sum fee - at the time of this writing, this amount is 400,000 rubles.
Take a course in training center in Krasnodar.
You get the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
Together with the franchise owners, you choose a place for a restaurant, calculate the payback, and get the support of a start-up team.
You open a restaurant.
Together with the team, bring the project to a stable profit.

You will calculate the total initial investment together with the team on an individual basis. Cost range: from 1.3 to 4.5 million rubles. The term for opening a restaurant is from 3 months.

The advantage of this model is that it is guaranteed to work. Everybody possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a member of a successful business that has already paid off more than 100 times, brought and still brings profit to its owners.

The co-owner of the company, Alex Yanovsky, is the founder of his own School "Business behind Glass", a successful entrepreneur whom I know personally. In his honesty, as well as in the profitability of the franchise, I have not the slightest doubt.

The risks are minimal, and the support of the training center led by Alex Yanovsky is continuous and constant. At your disposal - the experience of successful businessmen, professional equipment, proven marketing technologies.

The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Public catering establishments in the street format or the "island" format are in demand and popular - we offer these options to our partners.

5. Where you should not invest money so as not to burn out

You should not invest in obviously losing enterprises - casinos, illegal and morally unacceptable projects.

These include criminal types of business: trafficking in drugs, weapons, contract goods, organizing brothels, shell companies that launder money, as well as fraudulent schemes in real estate (corruption during construction, eviction of lonely old people and re-registration of housing).

To live in peace, engage in honest and socially acceptable ways of making money, then you will gain not only financial freedom, but also spiritual harmony.

6. Conclusion

In this article, we examined the fundamental principles of investing, recommendations from the best investors and specialists in the field of business and finance, and also got acquainted with the most popular ways to invest free money.

In the next part of the article “Where to invest money”, I will talk about less common and at first glance not obvious ways to increase your capital.

And if almost everyone knows about bank deposits, the stock market and real estate, for example, few people know how to create a good passive income for themselves by investing in their own Internet projects.

Dear friends, I hope that now you have figured out where to invest money so that it works and brings you profit. After all, it is you who can become rich and earn millions.

I wish you a successful investment!

Where is it more profitable to invest rubles in a crisis so as not to lose your savings - recommendations from experts + TOP-5 most profitable investment areas today

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 simply 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 losses!

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:

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

❗️Important:
There is no need to invest all your money only in instruments with 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 minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important 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 about 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" (IIA) are suitable, which, for example, can simply be opened in the same (using this link, you can invest 1 month without 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 terms 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 financial position of the company in 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.

OUTPUT: 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 experience and time to understand all the nuances of trading on 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 accounts/portfolios have shown good returns in the past, there is always a possibility that they will turn out to be unprofitable in the future.

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, you 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.

OUTPUT: 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 easiest investment tools. 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. Only as borrowers can act as large companies, as well as states.

☝️ 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 available on this moment 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).

OUTPUT: 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).

At independent trading currency 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.

OUTPUT: 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 ready 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 from scratch several times. successful business! 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:

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.
Choose niches with minimal competition - they are easier to start in.
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 both 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!

OUTPUT: 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 investment funds are professionally engaged in investment activities, 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 mutual 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.

OUTPUT: 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, then 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!😉

OUTPUT: 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 significantly fallen in price since 2012 and is currently in a sideways trend.

OUTPUT: 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!

OUTPUT: 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.

With 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 the public 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.

OUTPUT: Online projects- This is 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.

OUTPUT: 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.

OUTPUT: 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.

OUTPUT: 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 rules investments 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. This rule applies especially to you if you have a lot of 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. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try 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, any plausible story can be created, as if the project really functions (provides any services), but in reality the organizers 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! 😀

Once again, I emphasize that in my experience, the most profitable investments are investments 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!

Some still don't know where to invest money and how to make a profit from investments!

What do you need to know about investing?

Where is the best place to invest money?

What should you know about where it is profitable to invest money?

Investing money is always a risk.

Even the most reliable banks can fail and getting your funds back can be difficult.

It is not 100% possible to avoid this, but you can choose the most reliable place and make sure that even if the organization collapses, you will get back what you invested.

What you need to consider for a person who invests money for the first time:

Don't invest all your savings in one place.

The attachment must be documented without fail.

This is a mandatory measure that will allow you to get your money back in unforeseen circumstances.

Pay attention to deadlines.

If you wish to receive your funds earlier than the term specified in the contract, you can lose the accumulated interest.

Talk to friends and family to find out where to invest money.

10 best investment ideas

When investing money, you should consider several options and choose the best one that suits you.

The best ideas where you can invest money:

Suitable as an additional way to save and increase funds.

Few people know what shares are investment funds and are afraid to invest in them, but in vain.

The income from mutual funds is average, but stable.

In a year or two, you can get about 40% of the original amount.

Real estate.

Investing in real estate is the best option.

Real estate prices can rise and fall, but they always rise in the end, and selling an apartment at such a moment brings a lot of profit.

You can also rent an office.

Owning a business is a great way to invest, save and increase money.

In order not to lose funds, it is necessary to draw up a clear, as detailed plan as possible, weigh all the pros and cons and choose the business that you like.

Shares and securities.

In order not to burn out, you should choose a manager who will do everything necessary.

Metals: gold, silver.

To purchase ingots and coins, you need to contact Sberbank of Russia.

You can also purchase gold-backed securities by visiting stock exchanges.

Investments are highly effective, however, it should be borne in mind that when selling gold bars later, you will have to pay a tax of 13%.

Own site.

Investments in the creation of the site are not too high and fully justify themselves.

One well-promoted site can bring up to 40,000 rubles every month, depending on the amount of advertising placed.

Venture fund.

Venture capital funds today are considered worthy alternative other financial instruments.

The investment pays off, but you need to wait a few years to make a profit.

Own development.

A person who wants to increase his capital and earn big money should never forget about his own development.

Investments in this case are made in education, appearance, knowledge of the world - travel, seminars and trainings.

A multilaterally educated person will always find his place in the world.

Art.

Buying and selling art objects: paintings, first editions of books, antiques, you can earn a lot of money.

But for this you need to understand the value of things, be able to separate the wheat from the chaff, or resort to the services of a specialist.

Making a decision about where is the best place to invest, you need to calculate all the options for the possible development of events.

In order not to lose all your investments at once, in the event of a negative development of events, it is recommended to invest in several different directions.

The question of where to invest money is most profitable, as a rule, worries those who are not familiar, or new to the principles of increasing profits and methods of investing.

Tips for those who want to invest their money:

It is necessary to think about saving and increasing funds in those periods when everything is in order with finances, and the payment of a large debt does not hang on the nose. Panic sometimes makes you take the wrong actions.
Within six months, you should accumulate an amount that will be deposited in the bank at interest. The larger the amount, the more you can eventually withdraw from the account.
Always strive for financial freedom. Do not reassure yourself that everything is fine today and nothing more is needed.
If you have children, think about their future right now. You can open a savings account in the name of the child and put money on it until the age of majority.
Once every three to four months, create a new source of additional income.
The most effective ways of investing remain the same from year to year. These are real estate, investments in precious metals, and stock markets.
Gold is more liquid in bars than in the form of numbers on a brokerage account. It is best to invest in gold indices in the stock markets.
You should use the stock market as a means of investing and multiplying capital only if you are confident in your financial knowledge and abilities.
It is best to think about securing your future at the age of 20-30. However, due to inexperience, you should resort to the help of specialists so as not to lose investments.

Investments without losses: where is it better to invest money?

By following the basic rules compiled by investment experts, you can achieve a multiple increase in capital and reduce risk.

Main investment rules:

Reinvestment.

The money received by investing should not be spent immediately.

They need to be invested in other projects, leaving a certain percentage of the profit for the necessary expenses.

Don't invest your last money.

If you invest everything that is in your wallet, you can be left without a livelihood at all.

Main Rule successful investment- act wisely, and investing all the last funds is a crazy act.

Attentiveness when concluding transactions.

Read all the documents, demand the drawing up of a contract and consult with specialists.

Investing money in different baskets.

One project will bring money earlier, the other much later.

To always make a profit, you need to calculate the funds, and distribute them into different baskets - deep and lower.

Where is the best place to invest small amounts of money during a crisis,

you will learn from the video:

Where is it profitable to invest money - features of investing in real estate

Real estate transactions are more popular today than investments in mutual funds and funds.

Many people buy housing at the stage of its development at the lowest price, and subsequently resell it, receiving a good percentage.

However, in this case, there are several pitfalls and the risk of running into an unscrupulous developer.

To get the maximum benefit from real estate investments, one and two-room apartments should be purchased, but not three-room apartments, since they are bought worse.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are best left to the locals.

It will be very difficult to sell an apartment in the Capital.

To quickly find a buyer, you should make cosmetic repairs in a new building.

There are many answers to the question where is the best place to invest money, but everyone chooses the correct answer for himself, in accordance with the possibilities.

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Real estate, business.

Bank deposits (deposits)

This is the easiest, most elementary and reliable way to invest. You give yours to the bank under certain percentage. Bankers "scroll" this money by investing in other financial instruments. For which you receive a predetermined percentage of profit.

For example, you invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but already at 20% per annum. As a result, the bank in a year returns your funds to you with accrued interest, and pockets the remaining difference.

The advantage of investing in a bank is that you know exactly how much money you can receive after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular deposit using a deposit calculator, and if you need to calculate the amount of overpayment on a particular loan, then use a loan calculator.

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way to invest. In short, mutual funds are a collective financial instrument, when investors' money is invested in one big pot and then professional managers multiply this one big amount of funds by various methods.

Shareholders' funds (as those who have invested their money in mutual funds are called) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but they are managed. Any fool can just buy shares. The task of professional managers is to find such stocks that have fallen in price at the time of purchase and there is a possibility of their further growth.

In order to determine this probability, technical and fundamental analysis, the economic situation is studied both in the world and in a particular region, news is monitored, as well as many other parameters that are too complicated for a simple layman.

This is the essence of mutual funds, to save people ignorant of these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is easier to transfer this money to those people who have plunged into the topic of investing with their heads and have a lot of experience behind them. At least at the initial stage.

Further, as your experience in financial matters grows, you can start buying stocks, bonds and other investment instruments on your own. More on this later, but for now let's get back to mutual funds.

Compared to other financial instruments, investing in shares is more profitable in long term but at the same time very risky.

Here you need to constantly keep your finger on the pulse, monitor the situation in the markets, so as to prevent the loss of capital in a strong fall in financial markets that occur during all kinds of crises.

To more clearly understand what profit can be made on shares, watch the video “How to earn 678% profit on Sberbank shares”.

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are not inclined to risk. It is very difficult to get a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, this financial instrument can hardly be called a profitable investment.

However, this does not mean that bonds should not be invested. The fact is that it is not recommended to “keep all your eggs in one basket”. Experienced and successful investors always spread their funds in several different instruments in order to reduce their risks.

Imagine that you have invested all your money in stocks, but after a while there was a crisis in the market and their prices fell. Along with this, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but you will win on other instruments. But back to bonds:

A bond is a debt issue security, which confirms the right of its owner to receive a certain amount of money from the issuer.

And in order to understand how to properly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from English.FOReign EXchange- exchange foreign exchange) is a market for interbank currency exchange at free prices.

The essence of forex is speculation with currencies various countries. For example, you bought 100 euros for 90 dollars. And after some time they sold these 100 euros for 120 dollars. Thus, earning $ 30 on this transaction.

Forex trading is always going on currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state does not receive profits, but the country needs to be supported somehow. Since Greece is part of the European Union (EU), everything in this country is sold and bought in euros.

Thus, the instability of the economy of one state influenced the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro against the currencies of other states. It is on such movements that money is earned in Forex.

This method of investing can be called profitable only if you yourself trade on Forex, when you already have extensive experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune in forex. But those who tried to get rich on this and went bankrupt - millions. Draw your own conclusions.

Cumulative life insurance

This way of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program to accumulate, preserve and increase your capital.

If conventional insurance just pays you a certain amount in case of occurrence insured event, then in this case, if nothing happened during the entire period of the contract, then you will be able to receive either the entire amount accumulated over the years in full, or receive monthly payment until the end of life.

OFBU

OFBU stands for Banking Management General Funds. In fact, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing in OFBU you have the opportunity to increase profits through wider investment combinations. On the other hand, it is more risky.

There were cases when OFBU showed a yield of 600% per annum. However, the main problem lies in the fact that the activities of OFBUs are not regulated by legislation, which is why they are less subject to control, unlike the same mutual funds.

There are also cases when the short-sighted activities of managers led to the complete collapse of the OFBU.

You can read more about the activities of general funds of banking management here:. On my own behalf, I will add that at the moment it is best to invest in OFBU such an amount of funds that you will not be sorry to lose if something happens.

hedge funds

I must say right away that in our country this is a relatively new and not sufficiently developed financial instrument, which is available only to wealthy clients.

The minimum entry amount here starts from a few hundred dollars to a million. In the West, hedge funds are very popular.

Hedge funds do not have a clear regulation, which allows them to freely choose enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super profits and huge losses.

One of the most striking examples of hedge funds is the Quantum fund, founded by the notorious , who was able to make a profit equal to $ 1 billion in a day!

Structural (structured) products

A structured (structured) financial product is a complex financial instrument that is issued, as a rule, by commercial and investment banks and is created to meet the specific needs of clients.

This financial instrument became especially popular during the crisis. After all, when you invest in a growing market and constantly receive good profits, this is one thing, but when the situation on the markets is not stable, especially during crises, many investors are trying to find reliable ways to invest funds that will give them greater profits than banking deposits.

The essence of a structural product is simple - part of the funds, as a rule, 80-90% is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst case scenario, to stay with your money and not lose anything, at best, make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

But again, nothing to compare it to. For example, the most successful investor in the world, Warren Buffett, has been providing his clients with about 24% per annum over the past 35 years. 24% per annum does not seem to be much, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal has been a symbol of wealth and power, so it has become the cause of quarrels, robberies, murders and even wars.

Gold should not be regarded as the most profitable way investment, despite the fact that in recent years it has risen significantly in price. The fact is that most often gold acts as a refuge for investors in difficult times.

When crises dominate the world, in order to wait them out, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis recedes, investors immediately look for more profitable ways to invest. This is the reason for the rise in the price of gold in difficult times. But then, the price of precious metals inevitably falls.

Real estate

Real estate has always been a profitable way to invest. Not only that, real estate itself does not depreciate and, as a rule, it only rises in price from year to year. But real estate also allows you to receive passive income from renting it out.

True, there is one serious “but” here, which is the high cost of real estate. In fact, this is an investment for wealthy people. Because of which this way investments should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

True, there are exceptions. For example, you can profitable to invest in real estate at the stage of its construction. At this time, as a rule, there is no need to make full cost for housing and you can pay a monthly certain part.

Thus, if you have the opportunity to deposit the required amount and this will not affect the quality of your life, then you can safely look for suitable options. The fact is that during the construction phase square meter housing costs much less than later, when the construction is completed.

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profit changes. The riskier the financial instrument, the higher the return it can bring. However, so is the loss.

Each of these financial instruments has its own advantages and disadvantages. And under various life circumstances, it is worth choosing best ways investment. But, personally for myself, I have already determined the most profitable way To invest money is a business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments do not depend on you. They depend, for example, on the current market situation, on conditions determined by other people, on financial results a particular company, from the actions of speculators, from marketers developing certain financial products.

Building your own business is entirely up to you.

This is where you set the rules by which you will play. Here you decide how much income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word is yours, even if you decide to sell it.

In 2007, I opened my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressers, in which I installed a solarium, all the necessary accessories, planted an administrator and began to earn money.

This business has many advantages. I will talk about them in future releases. For now, I just want to draw your attention to the fact that this business has brought me good dividends. For the year I received more than 100% per annum.

It was a great test, during which I was able to show many of my talents. Organizational skills, managerial skills, design talents, tested his advertising vision.