Where is it worth investing in a year. Where to invest so as not to lose? Benefits of Investing in Startups
Investments(English Investments) - placement of capital for the purpose of making a profit and diversifying capital. Investing is an integral part modern economy... Investments differ from loans in the degree of risk for the investor (lender) - the loan and interest must be repaid within the agreed timeframe, regardless of the profitability of the project, investments (invested capital) are returned and generate income only in profitable projects. If the project is unprofitable, investments may be lost in whole or in part. The higher the risk, the higher the potential return on investment.
We list the best ways and places where you can invest money in 2017 to increase, preserve your capital, or minimize its loss.
2017 year
Investing in shares of reliable companies
Investing in shares is the traditional way to invest and preserve your capital. Yes, buying shares as an investment is sometimes a risky way to invest your money, but there are companies that rise in price from year to year and usually recover after the crisis. Let's list a few:
The name of the company | Dynamics of the stock by years [period 1M] |
---|---|
Apple | |
Amazon | |
Priceline.com Incorporated | |
Visa | |
Mastercard | |
Starbucks | |
Mcdonald's | |
Walt disney | |
iRobot | |
Netflix | |
Microsoft |
There are quite a lot of companies with such stock dynamics to invest. Suffice it to be convinced of this by opening the list of corporations of the SNP500 index, consisting of selected among the most liquid of all. Use the Smart-Lab rating to find brokers available for these markets.
In addition to income from an increase in the share price, some companies also pay periodic dividend payments, sometimes reaching more than 10%.
!!! Necessarily read this article onForbes: Woe from wit. Should Investors Trust Analytical Forecasts // How Investment Analytics Confuses Profit Hunters.
Investing in cryptocurrency
We do not recommend investing money in cryptocurrencies by buying them for investment, since the fluctuations are too strong, but we do not exclude this method. We recommend that you start mining. Mining equipment pays for itself in a matter of months, and the risks, in comparison with buying cryptocurrencies, are practically minimized, since you can always sell it.
Investments in real estate
Real estate prices in the CIS countries have traditionally been falling in dollar terms since the end of the 20th century due to the weakening of local currencies. However, the monthly rental income in large regional cities and capitals is always higher. living wage, sometimes at times. In addition, it is not necessary to focus only on your own country, you can successfully invest in real estate abroad.
People who are afraid to invest money in buying a home and prefer reliable long-term investments, you should pay attention to real estate in stable countries. During the crisis, property prices did not fall or fell slightly in six European cities: Berlin, London, Vienna, Stockholm, Helsinki and Luxembourg, the Tranio study showed. According to the Trading Economics forecast, housing prices in these markets will continue to rise in price until at least 2020.
Rather than investing and investing money in the purchase of another apartment in Moscow or Kiev, it is better to acquire it in the above countries. So you will minimize your risks, making your investment income stable.
Investments in currency
Traditionally local currencies CIS countries are weakening in relation to any other major ones. Therefore, you should keep your money, at least, not only in your native hryvnia, ruble or tenge. One should always diversify risks and invest money in several currencies: US dollar, euro, Swiss franc, etc. It is better to lose a couple of percent than to become twice as poor as in 2009 and 2014.
Investment in production
You can do it, but you need to take into account that the payback of such an investment can be years.
In connection with the growth of the dollar rate, everything that is produced abroad has risen in price:
- Clothing;
- Food and some drinks;
- Everything vehicles;
- Appliances and electronics.
Usually local analogues are either absent or are not of the same quality.
Purchase of internet projects
This type of investment is both excellent and risky. In a great way invest money, since the payback of sites is usually 2 years; risky - you can get filters from search engines, or stumble upon scammers and simply lose your investment.
Nevertheless, if you learn how to invest and understand site building, then you can successfully tackle this business and minimize risks. The best places to buy projects are the following exchanges:
- Telderi;
- Flippa.
These exchanges act as guarantors of the transaction and will help you not to lose your money.
Important! Buying projects always implies their further development in the form of content revision and filling with new ones. Without these actions, projects are doomed to a gradual drop in traffic to a minimum and, as a result, a drop in revenues.
Investment in education
It will be the best way to invest money in yourself and your life at any time! The fact is that it is education that can help to think anti-crisis, teach people to rebuild in difficult times, start earning in all of the above and other examples.
Nevertheless, remember that any country at some time faces a crisis, but it always ends after some time. For some, the crisis is a tragedy, but for others it is a blessing. After all, if, for example, you take the shares of successful companies, then during the global crisis they also fall, but at that moment there are people who decide to invest and buy them up in the long term, and after the crisis they sell them at completely different prices.
Where is it better to invest in 2018 - expert opinions. How to draw up a PERSONAL FINANCIAL PLAN? HOW TO INVEST MONEY CORRECTLY? This article, or rather a series of articles, is not theory, but practice, thanks to which you can learn PLAN PERSONAL FINANCE and, most importantly, START INVESTING and GET PASSIVE INCOME.
The main goal of drawing up a personal financial plan is to optimize expenses in order to allocate funds for investment.
If you are just going to read the theory again, it is better not to waste your time. In articles on this topic, we will practice. We've all read Kiyosaki's books, it's time to get started! And in a few years, have capital that will allow you to receive MONTHLY passive income. And this despite the fact that it comes about small investments.
So, a few words about why you need a personal financial plan? And that for investment does not need initial capital. And we need optimization of personal finances and financial discipline.
You've probably heard the expression "Money goes to money" and you know a classic example of how you can become a millionaire if you give up just one cup of coffee a day and save one dollar a day ($ 30 a month)!
This "magic" of increasing money occurs with the help of different investment instruments!
But for this magic to happen, you need to accustom yourself to financial discipline and learn from each income received IMMEDIATELY AFTER ITS RECEIPT TO WITHDRAW 10-15% for their further investment!
Kiyosaki was indignant and called it strange that a person “gives” himself from his income in the last place and not as much as needed, but as much as remains. And first of all, he is in a hurry to give his money to a hairdresser, janitor, baker, florist, etc.
So: now your rule should be a rule, first of all "give" a piece of money to yourself, and then to everyone else - janitors, hairdressers, florists, etc.
You have noticed that in different years of life, at different levels of income, and with an income of $ 50, for example, in your student years, and with an income of $ 200, $ 500, $ 1000 and more, YOU SPEND EVERYTHING BEFORE A COPY. 95% of people do the same with their finances. And only 5% of people (they include the rich and successful) are engaged in investments!
Imagine a fantastic situation, if YOU WERE MEETING YOURSELF only 5-8 years ago and would show such numbers and GIVE YOURSELF THIS ADVICE:
— “When you receive $ 500, create your personal financial plan, manage your personal finances, find unnecessary expenses and save only 15% ($ 75). Invest this money at 20% per annum or more. Invest only in foreign currency to protect your money from inflation "
Now you would have capital(8 years after talking to yourself) - $ 17,920 (this more than 1 million rubles.) and monthly passive income would be about $ 300 (this about 17,000 rubles), and after 16 years (to achieve a long-term goal) you can have capital more than $ 100,000.
Can't believe it? If you invest just $ 75 per month, you can get $ 100,000!
Someone will say that this is not enough. But practice shows that those who wanted to get big money right away, for example, in Forex, lost their capital several times in 8 years. And those who studied the question of how to invest money correctly without high risks, after 8 years received 1,000,000 rubles and a monthly passive income of 17,000 rubles.
In the following articles on this topic, we consider investment instruments in foreign currency at 20% per annum and more. Experts recommend every person to do their own thing and the right decision would be to entrust their capital to professionals. But how to find a truly professional. Important know the methodology for choosing a MANAGER OF INVESTMENT ACCOUNTS.
We'll take a quick look at this technique, but I recommend that you take the full course. successful trader Alexey Fedorov "How to choose a trust account manager". Alexey now lives in Spain, his portfolio is included in the TOP-30 best portfolios of the Alpari rating. The managers of the well-known publishing house INFO-DVD have kindly agreed to provide a discount for my readers.
In just one hour, Alexey Fedorov will tell you about the intricacies selection of high-quality managers, and, most importantly, it will show you exactly where to select them and how to build your investment portfolio, which will really bring you passive income.
GET THE COURSE of Alexey Fedorov "How to choose a trust account manager" >>>
I will be glad if in a few years you write in the comments to this article words of gratitude for downloading this invaluable course of a professional trader. In the training market there are only a few of such REALLY WORTHING COURSES.
In the meantime, let's return to our topic of drawing up a personal financial plan.
How to make a personal financial plan?
If you have not written down your personal financial plan, then consider that you do not have one. After all, we can say that everyone has an intention or desire to buy a car, an apartment, educate children, etc. But if you ask someone about the specific amounts for these desires and about the timing, as well as what exactly people are doing to achieve them, then the absolute majority will not answer you.
1st stage. Formulate financial goals.
The goals should be:
- expressed in specific figures,
- be realistic,
- take priority,
- have a deadline.
For example, goals might be:
- After 3 years, buy a car of a specific brand, year of manufacture, at the current price.
- After 5 years, collect the amount of the initial payment for the purchase of an apartment on credit in the secondary market (or in a new housing complex).
- After 8 years, pay off debts on a loan taken for the purchase of an apartment, the loan amount is such and such.
- After 4 years, provide a financial cushion in such and such an amount in case of job loss.
- In 10 years, provide education for children at universities.
- In 15 years, provide yourself with a financial cushion for a safe and meaningful retirement life.
After setting goals, need to rank them... For example:
- the 1st place can be home purchase,
- on the 2nd - debt repayment (since you will need to take out a loan to buy a home),
- on the 3rd, creating a financial safety cushion in case of job loss,
- in 4th place is the education of children who will grow up by the time
- in 5th place - savings for old age, etc.
2nd stage. Analyze your assets and liabilities, income and expenses.
You need to record your income and expenses every day, even the smallest.
Of invisible and insignificant expenses, that "piece" of our income, which could be used for investment, often consists. For convenience you can use special programs to keep track of personal finances for smartphones and computers. They are free.
You need to record expenses withinseveral months writing down every little thing. In order to identify unnecessary expenses and get rid of them, saving from 15% of your income... To then invest this money.
First of all, remove the cost of harmful things, and then unnecessary things. For example, you can finally quit smoking, stop buying junk food(sweet water, candy and cookies stuffed with harmful hydrogenated fats, sugar, chemicals). Do not make any more spontaneous purchases, because usually the things bought on emotions are then simply not needed and only litter the house.
When you write down your expenses, you will need to group them, that is, divided into groups such as food, clothing, utility bills. I assure you that it will be a great temptation to add the group "Other", but you cannot do that. Usually, this cost item is just the biggest one, you need to deal with it. You also need to structure expenses for monthly, annual.
The purpose of personal finance is to optimize them in the future to identify the difference between income and expenses. And to allocate part of the income for investment.
After recording expenses and income, don't forget to spot the difference between them. You will most likely be upset because this difference will be close to zero. Therefore, follow the recommendations of Kiyosaki and immediately after receiving any of the income, immediately withdraw the part for investment. Consider that they are not. Spend the rest.
It is necessary to analyze the rationality of your life.
For example, my friend after reading the "Money Quadrant" by Robert Kiyosaki sold my Jeep and bought a Smart... The difference was directed to investment and, in addition, received great savings on gasoline. She wondered how she hadn't thought of this before, and for so many years she had been spending money so stupidly on gasoline.
Think is it profitable for you to rent an apartment, it may be better to endure a couple of years and “live with your mother-in-law”, investing the money that you are now spending to pay for renting an apartment. And then use the received capital as a down payment and buy an apartment on credit. Now you will use the monthly payments that you paid for renting an apartment to pay for your own apartment.
There is another tendency, in contrast to the previous reasoning: abroad, the line of unprofitability of buying one's own home and one's car is becoming more and more evident. You can read more about this in this article.
3rd stage. Choose ways to achieve financial goals. Draw up an investment plan.
Special knowledge is required to draw up an investment plan. The next article is devoted to this, from which you will find out where it is better to invest money in 2017 - the opinions of experts. Looking ahead, I will only say that for different financial goals it is advisable to use different investment instruments depending on the time frame for achieving the goal.
How the longer the term, the more risky assets paradoxically, you can afford it. This is, of course, not about any risks, like a sweepstakes. We are talking about more risky investments, such as the stock market, mutual funds, trust management, real estate.
Don't forget that investing, especially to achieve long-term financial goals, should only be in foreign currency.
4th stage. Monitor your financial plan.
The life situation is constantly changing. Your income may decrease or, conversely, increase due to a change in your job. You may have new sources of income. It's the same with expenses. There may be some unexpected costs.
Adjustments to the plan are inevitable, but one should not be afraid of them, they are brought in by life itself.
An example of a personal financial plan.
I wish everyone confidence in themselves and in building their financial independence!
I bring to your attention an interview with Investor and Trader Alexey Fedorov. This is an invitation to the most valuable FREE TRAINING CYBERSANT-INVESTOR. BASIC COURSE .
RBC estimated the profitability of private investors in 2017. Which assets became the most profitable in 2017 and which ones were the most unprofitable?
During the year, RBC calculates the profitability of ten methods of investing funds. For calculations, we take the amount of 100 thousand rubles. and estimate how much you can earn by investing this money in the most popular investment objects. At the end of the year, five instruments showed positive dynamics, the other five - negative. Deposits in euros became the most profitable asset. The lowest profitability was demonstrated by shares. The situation may change next year.
Investing in mutual funds(RBC's sample includes the ten largest open-end mutual funds in terms of assets) over the year, an average of 7.22% of the total investment could be earned. Bond funds (with a yield of 7.69-13.7%) and equity funds (with a yield of 2.95-6.07%) showed positive dynamics. At the end of 2017, only one fund from the sample, the Sberbank - Eurobonds mutual fund, turned out to be unprofitable: over 12 months, its share fell by 0.44%. The most profitable was the "Reserve" bond fund (+ 13.7%).
“The last two years, the bond market has been a bonanza: amid a decline in key rate Bank of Russia and stable ruble bond prices increased. Next year, the Central Bank plans to further reduce the rate, which will lead to an increase in the price of bonds. Therefore, they will remain profitable, "says Otkritie Broker analyst Andrei Kochetkov.
At the same time, the growth in bond prices in 2018 may be more modest, since the key rate, according to experts, will occur at a slower pace than in 2017 - by about 0.75 percentage points. in a year. Recall that in 2017 it decreased from 10% at the beginning of the year to 7.75% in December, that is, by 2.25 percentage points. “Next year, shareholders of bond mutual funds can count on a real yield of maximum 10%,” says Nikita Yemelyanov, head of the analytical department of BCS MC.
The fall in prices is primarily due to a decrease in demand for real estate as an investment, says Tatyana Shkolnaya, Deputy Director of the Institute of Tax Management and Real Estate Economics at the Higher School of Economics. “The incomes of the population are decreasing. They buy apartments now because they are needed for living, not for investment, ”the specialist explains. According to her, those who decide to invest their funds prefer to attribute them to bank deposit, which brings a stable and higher profitability than buying a living space.
Next year, according to experts, real estate investments will not become more attractive to investors. “Even if rates on bank deposits are reduced, this will not significantly change the situation with investments in housing from the point of view of its attractiveness,” Tatiana Shkolnaya believes. According to Tatiana Polidi, executive director of the Institute of Urban Economics, apartment prices can begin to recover only in the second half of the year and only if the macroeconomic situation improves. “If the macroeconomic situation is stable for at least half a year, incomes begin to increase, and mortgage interest rates become even lower, then somewhere in the second half of the year one would expect the housing market to become more active,” says Polidi.
Stock
The least profitable long-term investment this year was investment in the Russian stock market: the Moscow Exchange (formerly MICEX) index fell by 7.8%.
According to the senior analyst at Freedom Finance Investment Company Bogdan Zvarich, such market dynamics is primarily associated with unjustified expectations regarding the easing of the sanctions regime after the election of US President Donald Trump. “Moreover, tougher sanctions are expected,” he said. According to the expert, the fall could have been more significant, but the persistence of high oil prices held back the Russian stock market from a deep drawdown: since the beginning of the year, Brent oil futures have risen in price by 14%.
The manager of the Capital Management Company Dmitry Postolenko also considers unrealized expectations related to the improvement of the political situation to be the main reason for the market decline. Postolenko expects the Moscow Exchange index to grow by 10-15% by the end of 2018.
Zvarych believes that the Moscow Exchange index at the end of 2018 will be 2.1-2.5 thousand points (now the index is about 2.1 thousand points). According to the expert, high values of oil prices will cover the risks associated with sanctions against Russia. According to his forecasts, a barrel of Brent crude will be within the $ 55-60 per barrel corridor throughout the year. “From internal factors, the economy as a whole is expected to grow in the financial sector against the background of a decrease in the cost of funding. And the growth of incomes of the population will stimulate the retail market ”- says the expert.
Featuring: Alexey Mitrakov
Hello dear readers of the SlonoDrom.ru magazine! Almost every one of us sometime thinks about where to invest money so that it works and brings a monthly income.
There are actually a huge number of investment options! Not all of them are effective, and what to hide often there are simply fraudulent organizations whose sole purpose is to get money and hide with them forever. I know about it firsthand! 😀
In this same publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice, we will try to objectively figure out where it is more profitable and best of all 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 , specific examples and useful tips that will allow you to invest money correctly and receive high passive income! 👍
Regardless of what amount of money you are going to invest: small or large - this article will be most useful for you!
Plus you will learn:
- What are the investment options, what is their profitability and which one to choose?
- Where can you profitably invest your money on the Internet?
- How to invest money correctly so as not to burn out?
- And also about where it is better not to invest your money!
Sit back 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 own free funds ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.
Nobody gives an absolute guarantee that you will increase your 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 bring both profit and loss!
Secondly, before investing your money somewhere, you need to actually assess what kind of risks and what profitability can be obtained from one or another attachment.
Usually the risk is proportional to the income, i.e. the higher the yield, the higher the risks and vice versa. But this rule does not always work.
But in any case, he who does not take risks does not earn. It is always necessary to take a meaningful risk! 😉
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.
We will also consider all the pros and cons of each investment option.
Thirdly to reduce risks, it would be logical to 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, stocks, business projects ...) - 30% of all funds;
- aggressive portfolio (currency market, cryptocurrencies ...) - 20% of all funds.
❗️Important:
You do not need to invest all your money only in instruments with very high profitability, since in this case the risk of losing your money will also be very high!
And many people, on the contrary, strive to get the maximum income, but at the same time completely forget about the risk. And as a result, due to greed, they are left with nothing.
Investing is primarily about risk management! First of all, you need to take care not to lose money. Profit is the second thing.
And if you still have little or no experience in investing yet, then start investing with minimum amounts and avoid high-risk assets.
Read this article to the end, as at the end of the article you will learn about other important investment rules! 👇
2. Where better to invest in 2019 - TOP 15 profitable investment options
So, let's finally consider the options and decide where you can profitably invest your money so that they bring income!
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 6% to 8%.In recent years, deposit rates have been steadily falling down and will likely continue to fall in the future.
How to make money on the growth of stocks - an example of Google
For 3 years, Google shares have grown by more than 100%!
For these purposes, the so-called "individual investment accounts" (IIS) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).
☝️ In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay taxes on income! Such preferential terms were developed by the state to support and develop investment in the country.
But naturally, there are many nuances to consider 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! The rest of the time, stocks are generally growing steadily and are showing good returns.
Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show economic situation in the country), for example:
- RTS (50 largest companies in Russia),
- S & P500 (500 largest US companies),
- NASDAQ (100 US high-tech companies).
If you do not want to personally engage in investing, then there is an option to entrust your money to a professional manager. But I will describe this in detail below.
OUTPUT: With proper management, shares can bring good returns, several times higher than the interest rate on bank deposits. But at the same time, they belong to more risky assets.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
15-100% per annum (change in share price + dividends) | depends on the strategy | 1-7 years old | from 5-10 thousand rubles |
(⭐️⭐️⭐️ - medium / high) | (⭐️⭐️ - medium / high) | (⭐️⭐️ - medium) | (⭐️⭐️⭐️ - low) |
➕ Pros and ➖ Cons: | |||
(+ ) With minimal / moderate risks, you can get a relatively high return. | (+ ) High liquidity - at any time, shares can be quickly sold and money can be got in your hands. Low entry threshold. | (- ) Knowledge is required. Uncontrollable risk and "flirting" with the market can lead to significant losses. | (- ) In the event of a crisis, stocks can seriously and in a short time fall in price. |
Option # 4: Bonds
DESCRIPTION: Where do you think the money is being invested large banks? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.Along with bank deposits, bonds are considered one of the simplest investment instruments. But unlike bank deposits, the rate on bonds is significantly higher.
For those who do not know, a bond, in a simple way, is an IOU. Only large companies and states can act as borrowers.
? By the way, Sberbank and VTB24 recently started selling national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyNS .
I agree, not very much, but the rate is certainly better than most of the bank deposits currently available. 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, for Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the term).
At the same time, you can invest large funds in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.
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 capable of generating a fairly high income, they are a very risky investment.
Bonds, like shares, can be bought through an individual investment account (IIA) without the need to pay income tax (if you buy them for a period of more than 3 years).
OUTPUT: Bonds are suitable for those looking to earn an average yield with a relatively high guarantee.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 7% to 15% per annum (for risky ones from 30% to 100% and above) | depends on bonds (for government bonds - very low) | 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 yield compared to stocks and some other assets. | (- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less credibility it has. |
Option # 5: Forex
DESCRIPTION:
Forex is essentially a foreign exchange market where you can buy / sell a particular 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 bought 10,000 dollars at the 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, was 30,000 rubles(of which the broker's commission is about 600-800 rubles).
You can trade on Forex either yourself or give money to the management of professional traders (this will be described in detail in the next section of the article).
When trading currency on your own, it is very important to have trading experience from 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 in personal trading, you need to follow a proven trading strategy, otherwise the trade is likely to turn into a casino and lead to a previously known sad result.
But on the other hand, if you observe risk (money management), manage emotions and trade solely by strategy, then you can really make good money on Forex. But this needs to be learned!
Although you can start at Forex with minimum 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% in a month (which is very good), the profit will not be so big.
As for me, one of the most effective trading strategies for day bars is Price Action. Many articles have been written about her on the Internet - read it to anyone interested!
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 get high returns. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below! 👇
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 15% to 100% per annum and above | depends on the strategy (initially has high risk) | 1-7 years old | from 100 rubles |
(⭐️⭐️⭐️ - high / medium) | (⭐️⭐️⭐️ - high / medium) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
➕ Pros and ➖ Cons: | |||
(+ ) In the presence of effective strategy you can get high returns. | (+ ) Low entry threshold and availability. | (- ) High risks, especially for beginners. It is possible to lose significant money in a short time if the risk is not managed. 99% of newbies lose their money. | (- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period. |
Option # 6: PAMM accounts, PAMM portfolios, trust management and structured products
DESCRIPTION: But this method is usually suitable for those who have no experience and even time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).
That is, in this case, you entrust your money to traders - those who are professionally engaged in trading in the financial markets.
All you need to do is to distribute the initial investment amount into parts (preferably at least 5-10) and invest in various managers.
For example, the broker Alpari, which I already mentioned above, allows this. The entrance threshold here is only $ 10.
At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.
⭐️ About profitability!
You can get quite acceptable income here - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also great!
PAMM accounts and PAMM portfolios for investments must be evaluated based on at least 3 parameters:
- account / portfolio age,
- past profitability,
- funds invested by other investors.
For example, here is one of the most popular PAMM accounts on Alpari:
PAMM-account "Lucky Pound" and its profitability (click to enlarge)
💡 More than $ 500,000 has been invested in this (trader's) PAMM account, its profitability for 3 years and 8 months was 2051%.
However, it should be borne in mind that despite the fact that in the past the accounts / portfolios have shown good returns, in the future it is likely that they will turn out to be unprofitable.
So again, don't invest all your money in one trader! Constantly monitor the situation and get rid of accounts / portfolios that bring losses for a long period. This is the whole secret of investment!
Read more about how to invest in PAMM accounts correctly (watch the tutorial videos) on tradelikeapro.ru. I use it myself, there is really a lot of useful information!
With a larger initial capital, you can work with large exchange brokers (for example, Finam and BCS), which also provide various trust management strategies.
For example, on Finam in trust, you can give from 300 thousand rubles... Their website contains dozens of diverse strategies: conservative, moderate and aggressive.
Of course, both brokers and managers cannot 100% guarantee that you will receive income.
Immediately I want to tell you a few words about the so-called "structured products".
They are also intended for beginners who want to increase their money. Structured products can bring returns of 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 specialists expect to rise or fall in the future.
Investing in such products is usually possible from 3000 dollars and for a period from 3 months.
Here is an example of structured products at Alpari:
OUTPUT: Trust management combines convenience, moderate risks and medium / high returns. Especially suitable for beginners.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 15% to 200% per annum and above | 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 distributing funds among the most effective 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. The managers need to be monitored periodically. |
Option number 7: Own / partner business
DESCRIPTION:
And this, in my opinion, is one of the most profitable ways of investing, which can bring you more than one hundred or even a thousand percent of income!
Of course, in most cases, a business requires a personal presence. But on the other hand, a business can be automated, or you can simply invest money in someone else's business at the stage of development.
Alternatively, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).
Moreover, even if you have a small initial capital, you can still open your own business. Many people opened a 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 have started a successful business several times from scratch! By the way, if we turn to statistics, then among millionaires about 70-80% 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 preferable option!As Confucius said:
« Choose a job you like and you won't have to work a single day in your life!«
And how to find your favorite job / life's work - read.
If you do not yet have a stable source of income, then first of all think about creating a business, even a small one at first. The main thing in this business is not to be afraid. take the first step!
Think you have always wanted to open your own body 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 invest a lot of money right away.
- Choose niches with minimal competition - they are easier to start there.
- If you have little start-up capital, it might be worth trying a service business.
I will also give you several options from my experience of how you can start a business with minimal investment, I think it will be interesting for you! 👇
Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell products through ad platforms (the most popular is Avito). I just started with this! 🙂By the way, goods from China are now very popular, where the mark-up can reach up to 500-3000%. Including such products are successfully sold through the Internet (one-page).
Another area where large investments are not required and it is not so difficult to start is the wholesale business via the Internet.
Moreover, both in the case of wholesale and retail sales, the goods do not need to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).
In short, the essence of dropshipping is that you work with a supplier who ships directly to the customer. He sells his goods and from this he has income, and you get your markup on the sale.
Read more about how to organize - read in a separate article!
OUTPUT: The business is able to bring very high profitability with minimal investment. In addition, a business can be turned into a favorite thing, which is interesting and you want to do it!
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 30% to 1000% per annum and above | Initially high risk | 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 returns among all investment instruments. | (+ ) It is easier for business to find partners and / or co-investors. You can start without big investments, the main thing in business is the idea! | (- ) High initial risks. 7-8 out of 10 start-up businesses are closed within 2-3 years. Low liquidity - it is difficult to sell a business quickly. | (- ) You need to understand the business and understand how it works, even if you are investing in "someone else's" business. You constantly need to learn. |
Option number 8: Mutual investment funds
DESCRIPTION: Mutual funds can also be attributed to trust management, which we have already talked about a little.
Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).
Absolutely any person can become a depositor, for this you need to purchase a share (share) in a share investment fund... Depending on whether the mutual fund successfully manages investments, the shareholders receive a profit or loss.
It should be noted that the activities of mutual funds are regulated by 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 low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds over 11 months:
Profitability of 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 or more.
The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example, Sberbank.
If this type of investment is suitable for you, then it makes sense to choose not one unit investment 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 such a 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 mainly in the stock market. In the absence of a crisis, they usually also bring good returns.
Profitability: | 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: | |||
(+ ) Average profitability 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 the purchase / sale of shares. | (- ) You will have to pay 13% income tax - many other investments have preferential tax conditions. |
Option number 9: Microfinance organizations (MFOs)
DESCRIPTION:
Another type of investment is investing in an MFI. The return on such investments on average ranges from 12% to 30% per annum.
The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).
The longer the investment period, the higher the interest rate. The minimum term in an MFI is usually 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 nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.
⭐️ Good advice!
Look primarily at the “age” of the MFI, not the interest rate that you are promised.After all, it is better to invest in a reliable organization at a slightly lower interest rate than in a newly emerging MFI with a high interest rate.
Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFO.
If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and safer to invest in real estate than in an MFO! 😀
And besides, I myself do not take loans / loans (especially consumer loans) and I do not advise others! 😉
OUTPUT: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But at the same time, there are corresponding risks. And the entrance threshold is rather big, to put it mildly.
Profitability: | 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. | (+ ) Income passivity. Minimal participation on your part. | (- ) Very high entry threshold. According to the law, MFOs are allowed to borrow 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. Fraud is present. |
Option number 10: Precious metals
DESCRIPTION: Another well-known type of investment is investments in precious metals, in particular in gold. Moreover, such investments are highly reliable!
Investing money in gold and other precious metals is especially important to invest during a crisis, since this is where money migrates from stock market.
Gold coins / gold bars can be purchased both in almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).
In spite of high reliability, investing in gold is more suitable for maintaining existing Money than to multiply them. In addition, such investments are designed for a longer term of 3 years or more.
Gold Prices - Chart
❗️ Over the past 5 years, gold in rubles has grown from 1600 rubles per gram to 2400 rubles / gram.
The total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and then such a yield was obtained thanks to serious devaluation of the ruble.
However, if you look at the dynamics of gold against the dollar, you can see that gold after 2012 has dropped significantly in price 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 preserve them.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 3% to 15% per annum (during a crisis, the yield is higher) | Minimum | 7-20 years old | from 1000 rubles |
(⭐️ - low) | (⭐️ - low) | (⭐️ - low) | (⭐️⭐️⭐️ - low) |
➕ Pros and ➖ Cons: | |||
(+ ) High investment reliability. There are practically no risks of gold depreciation. Easy to buy / sell at any time. | (+ ) Precious metals (especially gold) are a "safe haven". Investing in them is suitable for saving funds in times of 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 of banks / brokers when buying / selling precious metals, incl. gold. |
Option number 11: Cryptocurrencies (bitcoin)
DESCRIPTION:
Over the past, Bitcoin has grown more than once and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.
Of course, the most the best time for investments it was a few years ago, when bitcoin was worth about 150-200 dollars.
Some experts say that in the future, Bitcoin may cost hundreds of thousands of dollars and even possibly reach $ 1 million.
Others argue that Bitcoin will 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.
Moreover, while cryptocurrencies are showing 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% - this is quite common here. And in a year you can increase your investments 3-10 times, or lose almost everything!
OUTPUT: On the one hand, cryptocurrencies are too risky a tool, and on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - it is definitely not worth investing all your money in them!
Profitability: | 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 case of 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 rise in price and seriously collapse. Low predictability. | (- ) Cryptocurrencies are not backed by anything, since this is another bubble. Complete lack 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 make 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 get 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 topic, you can earn about 200-3000 rubles in a day. The spread is very large, since it depends on the topic of the site how much income you receive.
Earning money on sites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.
But still, in the beginning, you will need to grasp the essence and understand the key details of such a business.
2. Social publics. Surely almost all of us are subscribed to some community in social networks(VKontakte, Facebook, classmates ...).
Meanwhile, the owners of such public pages also earn mainly from the publication of advertising posts. In pubs with millions of subscribers, the cost of one ad post can be worth 2-7 thousand rubles .
Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right topic for a public, post high-quality and interesting content and develop a 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 follows your affiliate link opens a current account in a specific bank, then you can earn 2-3 thousand rubles
If you know how to 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 specifically to advertising.
But in this case, experience plays the main role, without it anywhere!
4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers ...
For example, projects that deal with exchange are very popular. electronic money(in fact they are called exchangers).
For example, if you need to transfer money from Yandex wallet to Qiwi wallet, then the easiest way to do this is using exchangers. By the way, with the help of exchangers, you can also purchase bitcoins.
Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a pretty decent income is obtained.
5. Apps for iOS / Android. Since relatively recently, Android and iOS applications have become very popular - this is a large segment of the market where a lot of money is spinning.
Therefore, if you have an interesting idea that will be in great 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 partner commissions from airlines.
Even if you don't understand anything about how to create applications, they can be done for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.
Here, as elsewhere, it is the idea that plays a key role - the success or failure of the application depends on it.
6. HYIPs. HYIPs - in reality, are a financial pyramid that lives off the funds invested in it.
Such HYIPs offer very high percentages ( 1-5% daily) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.
There are HYIPs that “live” for several months or even for 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 depositors mainly earn money - who managed to withdraw money with a profit until the HYIP turned into a "scam" (stopped paying money).
And yet, I strongly advise you not to invest in HYIPs, especially if you do not particularly understand this.
OUTPUT: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.
Profitability: | 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 profitability. The investment can pay off very quickly. | (+ ) Some projects can be started with minimal investment or completely from scratch, investing only your own time and effort. | (- ) There is a risk that the project will not work and will not pay for itself. | (- ) Knowledge is required. You yourself need to be well versed in the key nuances of an 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 instrument.
The essence of venture funds is that they invest money exclusively in projects that are at the stage of development (startup) or even at the stage of idea.
A distinctive feature of venture capital investments is a very, very high profitability, they can bring thousands of percent!
But on the other hand, only 1-2 out of 10 projects shoot out and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.
☝️ A real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.In 2 years, Apple shares have risen by about 5000 times! So if you were investing in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .
There are basically several ways to invest in start-up projects:
- crowdinvesting and crowdlanding platforms (suitable for beginners);
- venture funds;
- investor clubs.
OUTPUT: Yet venture capital investment is underdeveloped in Russia. And often a large start-up capital is required, and scammers are often found among crowdinvesting platforms (where the entry threshold is not high). Meanwhile, venture investments can bring very high returns!
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 40% to 3000% per annum | elevated | from several months to 1-3 years | from 10,000 - 100,000 rubles (to venture funds - from 500,000 dollars) |
(⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️ - high / medium) |
➕ Pros and ➖ Cons: | |||
(+ ) If successful, you can get the highest yield possible. | (+ ) 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 widespread - investment sites may turn out to be financial pyramids. |
Option number 14: Objects of art
DESCRIPTION:
Another unusual way to invest your money is to invest in art. This is a fairly narrow and specialized market, but it can still generate good returns.
It's no secret that certain works of art can cost hundreds or even millions of dollars. And if you really understand art, then on investments you can earn hundreds of percent of the profit.
❗️ The only important feature is that such investments often require large investments ... And besides, in order to get a good return, you need to invest for a long period ( decades ).
Like investments in precious metals, investments in art objects are not subject to inflation and will only cost even more over time.
And the crisis has practically no effect on 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.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 20% to 100% per annum and above | minimum | usually 1 to 3-5 years old | from 100,000 rubles and more |
(⭐️⭐️ - medium / high) | (⭐️ - low) | (⭐️⭐️ - medium) | (⭐️⭐️ - high / medium) |
➕ Pros and ➖ Cons: | |||
(+ ) You can get a relatively high profitability with minimal risks. | (+ ) High reliability. Over time, art objects only grow in value. | (- ) Often, investment in art requires a large initial capital and involves a long-term investment. | (- ) You need to be a specialist, have specific knowledge and experience. |
Option number 15: Knowledge and own development
DESCRIPTION:
No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience ...).
You need to understand that first of all it is knowledge / experience, and not money allows you to earn and increase your own.
I think more than once you have heard stories that most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).
In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow! 🙂
If you have free funds, then it all the more makes sense to invest some of them in your development: attend trainings, webinars and seminars.
One of the most important differences between 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 United States: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after a couple of months he managed to earn tens of thousands of dollars from scratch.
OUTPUT: Therefore, if you do not yet 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 a bad experience is also an extremely valuable experience! 👍
Profitability: | 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 themselves to study. | (- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience. |
3. Golden rules of correct investing - 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 correctly!
First, as I said at the beginning of the article, is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.
Instead of investing everything in one instrument, divide the amount equally into 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 lowest risk, optimal choice between profitability and risk, as for me, is real estate.
And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then you should not meddle yourself and invest 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 a tried and tested path, on which hundreds of millions of rubles have been lost!
It will allow you to get through bad 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 this is a real company and not a scam.
It will also be great if you learn 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 make money - specific examples
In this section of the article, I will tell you where, according to my experience, I would have invested money, having available this or that amount of investment!
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 that large sum, 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.
Alternatively, 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 structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.
- Where to invest 300,000 - 500,000 rubles?
It is also a relatively small amount in terms 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 in hand, you can already try to invest in almost any of the instruments 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 the foundation pit.
Or as an option:
- You can invest part of the money (100-250 thousand rubles) in the shares of promising companies, give them to trust, 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 becomes more expensive in the next couple of years.
- For the remaining amount, you can try to open a business (including on the Internet).
5. Where is it 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 get caught by scammers.
The world is full of people who invent various schemes to take money through fraud. Especially nowadays, fraud is thriving on the Internet (and not only!).
Therefore, before investing money anywhere, it is worth checking 10 times to see if you will 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, quick payments, very favorable conditions, etc. - all if only people invested their money.
Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from the greed of other people!Money does not come out of nowhere, if someone receives money, then surely someone will 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 fact the organizers of this project only earn from 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), in fact, are also built on the basis of financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to make money on them, but experience is required). Also, here you can add various casinos and other methods that promise "easy" money.
Another controversial investment tool is sports betting... It is possible to make money on them in the long term, but only the organizers of the bets and 5-10% of the participants (those who are in the subject) do it, and the rest only constantly lose money.
I will also highlight another type of common 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 your money away (tested on your own skin 😀).
Thus, you need to invest in what you are good at! Otherwise, those who are well versed in what you do not know will profit from you! This is my sad experience.😞
If you are not yet particularly versed in this or that investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! This will be your most profitable investment!
6. Conclusion
Well, you have learned about all the most popular and profitable ways of 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 on where to invest your money! 😀
I emphasize once again that, in my experience, the most profitable investment Are attachments own business / business and knowledge !
❓❓❓
Where do you think it is better 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 a successful and profitable investment! 👍💵👍
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!
- 1. Bank deposit - which bank is better to put money at interest
- 2. Acquisition of real estate (editor's choice)
- 3. Investing in mutual funds
- 4. P2P lending
- 5. "All or nothing" - binary options
- 6. Investing in someone else's business
- 7. Investing money in your own business
- 8. Investment in precious metals
- 9. The magic power of art
- 10. Investing in venture funds
- 11. Investment in cryptocurrency
- 12. Investing in applications for phones (iOS, Android)
- 13. Investing in groups, publics in social networks
- 14. Purchase of a payment terminal
- 15. Investing in yourself
- Method number 1. Acquisition of shares
- Method number 2. Microcrediting in Webmoney
- Method number 3. Investing in web projects (sites, portals, services, etc.)
- Method number 4. Investing in PAMM accounts
- Method number 5. Earnings at dachas and summer cottages(Editor's Choice)
- Expert advice # 1. Commercial bank deposit
- Expert Advice # 2. Investment of funds in real estate
- Expert Advice # 3. Foreign exchange investments
- Expert Advice # 4. Investing in your own online business
- 4. Where money is better not to invest - recommendations
- 5. Conclusion
Economists' forecasts for 2019 (the 20th most likely too) are becoming less and less reassuring. The catastrophic collapse of the ruble, irrational leaps in lending rates in banks, the tense atmosphere in the stock market - all this gloomy news makes every Russian think seriously.
Everyone thinks about the same thing: how to avoid annoying financial losses, what and where to invest your money in order to earn, keep or at least not lose, in order to receive monthly income and so that the wave of financial cataclysm does not completely absorb the money, as well as what purchases should be abstained from today, etc.?
But first you need to recharge. optimistic ... Just think about the fact that, unlike millions of other people, you have free capital today. This means that you did everything right before, and you have a chance to get out of this situation well and do it. The main thing- choose the most justifiable investment instruments.
What if you want to invest and earn money, but you don’t have any money. To do this, we wrote an article - where we also described what to do if banks and microloans refuse to give you money.
Read about ways to invest money in order to save and increase it below. There you will also find expert advice on where to invest during and after the crisis.
1. Where to invest so as not to lose - 15 ways to preserve capital
Each of the following ways of investing money is characterized by a greater or lesser share of risks. And at the same time with favorable conditions each of them is capable of providing liquidity and profitability to your capital.
Let us consider in detail financial instruments and their capabilities, where you can invest money today in order to consistently receive monthly income.
1. Bank deposit - which bank is better to put money at interest
This method is hardly more profitable than saving money at home "under the pillow." It is hardly worth considering for a serious investor. It is reasonable to use a bank deposit only as a "transit" point on the path of capital movement into more solid financial instruments.
Investing money in a bank deposit is not the best The best way capital increase, it can rather be attributed to a way to save your money.
Any economist will doubt the reliability " airbags » bank deposit... Indeed, in the event of an urgent withdrawal of money, you can lose all the accrued interest. It is generally difficult for banks to part with dollar deposits.
If you want to entrust money to a financial and credit institution for a while, then the most optimal solution there will be a distribution of 1,400,000 rubles for various banks. Such a volume of deposits will allow you to reliably insure your capital in case of ruin of any of your chosen financial institutions.
Where to invest money to make it work - 7 ways I have invested in people
In which banks is it better to invest money at interest?
When deciding which bank to invest money in and where to open a deposit account, get acquainted with TOP 10 leading banks in the country, pay attention to their reliability rating. It is good if the state is the co-owner of the financial institution. It is unlikely that it is interested in the termination of the activities of their own banks. These include, for example, such "bison" of the Russian financial market, how Rosselkhozbank, Sberbank, VTB and some others.
We present the TOP-5 banks in which you can safely invest your money at interest
- Bank "Sberbank"
- Bank "Rosselkhozbank"
- Bank "VTB24"
- Bank "Gazprombank"
- Bank "Alfa-Bank"
2. Acquisition of real estate (editor's choice)
There is a misconception that in order to start making money on real estate, you need to have a lot of start-up capital. In fact, there are several options to get all the benefits of investing in real estate having at your disposal a small amount from 200 to 1 million rubles:
- Using the principle of leverage and good debt
- Participating in a co-investment project when a group of investors jointly buys some tasty asset
One of the principles of investing that Kiyosaki constantly talks about is the use of good debt and leverage. The bottom line is that you use only part of your money to buy, and you take the rest from the bank at a certain percentage.
For example, you have 1 million rubles that you are ready to invest in real estate, consider two options:
You buy a small studio apartment in a new building in a provincial town for cash. When a new building is commissioned (about 1.5 years after the foundation pit), it usually rises in price by about 20-30%, that is, in fact, you will receive a profitability of about 1.5 - 2 times higher than the banking one.
Option number 2 - you take 1 million rubles and purchase 3 apartments using leverage (mortgage). For each apartment you pay an initial fee 10% and the rest is paid by the bank. While the new building is being built, you pay interest on the mortgage - about 10,000 - 15,000 for each apartment or 30 - 45,000 per month on a loan, then at the final stage, exit the transaction - under such a scheme, the profitability rises to 60 - 100 per annum.
Watch a fragment of Nikolai Mrochkovsky's seminar in which he analyzes this strategy in more detail:
Acquisition of real estate at the stage of private sales
A real example of one of our investor Nikolai Mrochkovsky - he bought an apartment in a new building in the town of Gorodets in the Nizhny Novgorod region at an early stage on closed sales for 975,000 rubles, after 6 months he also sold it at an intermediate stage through a developer company for 1.3 million) profit amounted to 325 thousand rubles for 6 months of investment, or 33% in just 6 months.
But such projects usually do not appear in open access, it is better to look for them at closed meetings and in investor clubs,
Investing in real estate with parent capital
Investing in real estate in 2019
During the collapse of the ruble square meters become much more accessible. However, this investment instrument requires a professional approach.
In 2019, we recommend considering real estate investment strategies that are focused on obtaining a stable cash flow, rather than counting on an increase in the value of real estate There is a high probability that the price tag for the sale will be low for a long time, and many new buildings are at risk of becoming unfinished
Investing in real estate will almost always preserve your investment, and with a competent approach to investing in real estate, it will increase your investment
Real estate investment options with stable rental income
Free investment knowledge base
41 ways to invest in real estate
If you are going in the future make a profit by renting out housing, then it is most rational to buy several apartments now in a new single building or a tenement house. The rental price will be increased by such factors as the location of the property near the metro or railway station, developed infrastructure area, the presence of large enterprises, airports, etc.
By investing in real estate for rent, you can consistently receive a monthly income. (This can be attributed as commercial real estate(renting out commercial premises, warehouse, office, etc.), and residential (cottage (house), apartment, room, etc.))
Download a free business plan from Yuri Medushenko
How to buy an apartment building with bank money and receive from rent from 100,000 to 300,000 per month
It is advisable to carry out investment activity with real estate at the height of the crisis. Determine the moment when the economic recession reaches the bottom, can only be a true pro. Therefore, enlist the support of such a specialist. He will provide you with the best purchase.
3. Investing in mutual funds
The essence of this contribution is as follows: you entrust your capital to a fund, where it is managed by a team of professionals. You pay for the activities of your money managers and you yourself are responsible for it. But for all that, it is a fairly stable source of average income.
It is important to choose a mutual fund with the most popular securities and hope that the market is not "stormy" from strong fluctuations. According to statistics, after the previous crisis, solid mutual funds managed to return money to investors only after 4-5 years. The most persistent of them were able to accumulate up to 40 % arrived. (What is a mutual fund, as well as about other ways of investing money in order to make a profit)
A significant advantage of this investment method is the ability to withdraw your capital or its share at any time.
4. P2P lending
We are talking about the so-called social loan, when ordinary citizens act as lenders and borrowers. The monthly return on such equitable lending can be as high as 50 % ... Your clients will be ready to conclude insured deals with you at one and a half percent per day.
True, the system that provides a platform for such microloans takes half of your every percentage. However, you will have your 0.70% per day stably. And after some time, having withdrawn your deposit, you can already make money on profits.
5. "All or nothing" - binary options
This is sometimes called binary options. This investment tool either gives a fixed amount of profit, or gives nothing. It all depends on the fulfillment by its participant of a certain condition at a certain time. Here you can acquire huge capital, or you can lose it.
If you are not versed in the marketing topic, then fortune is unlikely to smile at you here. Only the “aces” of the currency sphere, who are able to predetermine the potential risks of a transaction, feel like a fish in water on a binary option. What are binary options and how to make money on them read in.
Binary options are a high-risk financial instrument, but where there is high risk - high profits
If you still want to try yourself in trading binary options, then we recommend choosing a reliable broker that has been providing its services for many years. For example, this could include a company IQoption.
6. Investing in someone else's business
Investing money in someone else's company is always a risk, especially in times of crisis. After all, it is not easy, as some believe, "put in and forget", but the interest "drips" by itself. To get profit, you need to be on 100 % confident in people you trust with your savings.
In Russia, such "numbers" are rare. Any business with us requires personal participation. If you still decide to invest in someone else's company, do not part with all your money at once - limit yourself to some part.
7. Investing money in your own business
Small-scale business is the surest way to increase investment in times of crisis. Of course, at the very beginning, you cannot avoid meeting with risks. However, having crossed the starting line, you can breathe a sigh of relief.
It is clear that it is hardly worth counting on something grandiose against the background of the fading banking activity and wage arrears. However, being passionate about something interesting and overcoming difficulties on the way to success guarantee moral satisfaction. (you will find business ideas with minimal investment, what kind of business you can start at home, etc.)
Business investment is an excellent investment in order to generate monthly income. See the picture for recommendations on where to start starting a business.
Well-promoted business is a reliable financial instrument where you can now invest money in order to receive monthly income, since it is the business that will not only generate stable income, but over time it will provide funds for investing in other financial instruments.
- Try to find your niche in the market with as few competitors as possible. Do not rush into the "pool" inhabited by "alien devils".
- Follow the beaten path: use ready-made models and business schemes - you will get fewer bumps.
- It is best to start with the sale of services, especially if there is not enough money to purchase goods.
- Try to do without bank lending.
- Don't be afraid to get started: it's not the gods that open the firm.
8. Investment in precious metals
This is a proven way to save and increase your savings. Metals used to make jewelry are considered precious. Such valuable raw materials include palladium, platinum, silver, gold ... They are too tough for inflation, therefore they are always in favor with far-sighted people.
There are several ways to acquire precious metals:
- Buying bars in banks ( keep in mind that you will have to pay 13 percent tax if they are sold (after 3 years, the tax on the sale of property (gold) is not levied)).
- Purchase of coins from these metals (you can use the services of Sberbank - the main supplier of such products). Unfortunately, the value of the coins was initially greatly overstated in relation to the value. precious metals of which it is made
- Purchase of art and antiques from precious metals.
- Purchase on stock exchanges valuable papers backed by gold.
- Creation of an impersonal metal account. In such an account, metals act as currency. At the same time, the person who opened a metal account actually does not have any metals on his hands. This convention is a huge plus: there is no need to keep valuables. Income from a virtual product is possible when metal prices begin to rise.
The profitability of this method of investing money is also not very high. In fact, no one will give you gold in your hands
9. The magic power of art
This reliable type of investment is far from being liquid for everyone. First of all, you should be well versed in art. Then the profit from these investments can simply go off scale. One painting masterpiece or one marble figurine can generate hundreds of percent of income.
It is clear that the value of brilliant creations is not threatened by any financial cataclysms. However, finding their true connoisseurs is, oh, how difficult it is. Practice shows that by buying a true work of art, you can save one hundred percent money in times of trouble. But, as a rule, only 4 masterpieces out of 10 manages to sell.
10. Investing in venture funds
Investing in startups- innovative projects or enterprises - a business, as profitable as it is risky. We are talking about the introduction into production of previously unused technical know-how. Statistics show that only 2 % enterprises justify such an investment. But the profit from them, as a rule, outweighs the rest. 7-8 % unsuccessful investment objects.
The contribution can be made not only with real money, but also with the promised amounts (commits). Profits should be expected in 3-7 years, until the financially sponsored companies are on their feet. Small businesses established in high-tech production areas have the greatest chances in this matter.
11. Investment in cryptocurrency
Cryptocurrency Is a new electronic means of payment that has come into practice on the threshold of the new millennium. Differs in a high level of protection. Bitcoin became the pioneer, followed by the other 150 of its "clones".
Today, cryptocurrencies are becoming real competitors to the usual money and significantly affect world economy... EBay and Amazon are already working with crypto tools.
Of course, like any innovation, cryptocurrencies do not yet have a wide distribution sphere. However, many experts believe that they are the future. Their main argument is the complete impossibility of inflation of a new type of money.
12. Investing in applications for phones (iOS, Android)
The most profitable business- making profit from applications that can provide real help... It is equally profitable to invest in applications that aggregate useful information certain topics.
Also noteworthy are the free apps, hallmark the use of which is to sell anything.
13. Investing in groups, publics in social networks
Publics in social networks Is one of the most common online messages today. Some try to make money on public pages, although this is a rather risky business - since there are a lot of scammers and schoolchildren in this field who come for easy money
The main thing is to be a mega-active performer. If you are one of those, you are guaranteed success. This activity does not require special investments. It is enough just to fork out a little at the initial stage. And in the future, the number of subscribers can be increased through exchanges.
Big role in this case, the content of the public is assigned, or rather, its quality. You need to be able to choose a topic that is interesting to a wide audience. The relevance of the topic will attract a lot of advertisers. The most popular and maximally monetized are publics that touch on the problems of money, success, and gender relations.
On the basis of such a popular public, it is quite possible to establish a profitable sales channel. The main thing is that the products sold are not very expensive and intended for a mass user.
14. Purchase of a payment terminal
Payment terminals currently serve millions of people. The range of options for these software systems is constantly expanding. Using them involves a fairly high commission. Having bought several such devices, you will burden yourself with only one concern - to take money out of them on time.
15. Investing in yourself
Finally, let's talk about the main thing - investing in our own development. It’s not just important. This is the starting point for any business success.
Do not spare money on Smart books, useful seminars, efficient trainings, valuable information products, especially courses on investing and making money ... They will become your landmarks in the ocean of money flows and investment whirlpools. They will teach you how to avoid pitfalls and avoid shallows. With their help, you can quickly filter out unnecessary, ineffective earning methods.
The capital acquired in this way will always be with you. Under no circumstances can anyone take it away from you. He is not threatened with any force majeure, no crises. This is the lowest cost and at the same time the most profitable type of investment. After all, it is not just risk-free - it is anti-risk. Any investor can only dream of such a combination.
Without self-development, building an investment business is doomed to failure. Investing in yourself is a powerful generator of ideas and a unique catalyst for success.
Before deciding where to invest money at a high interest rate with a guarantee, you need to understand that such an investment is a difficult task, since a guarantee implies low investment risks. The activity itself (investing) is a risky business, therefore, in any case, where high profitability (high percentages) are present and high risks.
2. Where can you invest money to make money - 4 ways to profitably invest money
A fatal mistake is an unforgivable luxury for an investor. Especially in times of crisis. Therefore, experienced financiers know: a reasonable investment has nothing to do with what the people call "fever".
And one more taboo of an investor: he never reacts to the revelations of some unknown "trader-investor" Vasya Pupkin, accidentally found on the Internet.
Basic rules for breaking even investment
- Until you have experience, use only free funds for deposits.... This does not include money borrowed from someone, bank loans... Investing is always risky. Don't deprive yourself of your last penny.
- Don't invest with your last money
- Take care of passive income by regularly postponing part of the salary.
- Keep in mind "easy" money (won or inherited) tends to leave just as easily: you do not mind it, it is not earned. With them, you will need to be especially restrained.
- Do not deviate from your investment plan.
- Study each niche of your investments carefully based on the advice of competent people who have achieved real results and sincerely wish you success.
- Start learning investing right now, just like when you studied art or physics at school, most people remain poor only because knowledge determines success in any business - especially investing.
Let's consider the main ways where to invest money at a high interest rate with a guarantee.
Investment is a risky investment in order to generate income. Therefore, no one will ever give a guarantee that you will receive income from your investment. Each type of investment has its own risks, in some the risks are large, in others less.
Method number 1. Acquisition of shares
Buying securities can be a source of stable income. After all, having become a shareholder of a reputable company, you can count on regular dividends. But the data investment instrument you need to master it thoroughly. One cannot rely only on luck, although in the history of the stock market there have certainly been cases when the stock price has “skyrocketed” dozens of times over the course of several years.
However, more often there are unpublished stories with the loss of all capital investments. In order not to go broke, it makes sense to entrust the management of your savings to a professional trader with a credible track record of profitability.
Method number 2. Microcrediting in Webmoney
This payment service provides an excellent opportunity to make money on microloans. You can determine the amount of the borrowed amount and interest yourself. However, it will not be easy to return a loan from an Internet scammer.
So the risks of such online investment are quite high. Experts recommend acquiring a large clientele and issuing small amounts... And you can check the absence of claims against the virtual borrower using his account.
Method number 3. Investing in web projects (sites, portals, services, etc.)
The advantages of Internet investments include the following:
- the admissibility of their small volume;
- quick response;
- high level of profitability;
- the ability to scale the business without the threat of serious risks.
Now let's look at the features of various types of investing in sites:
1. Investment of funds for CPA-affiliate programs
The essence of this method is that you receive your reward for a certain action on the site, namely: registration in the game, product purchase, tour request, credit card processing... Similar partnership programs are necessary for the promotion of any selling resource. Moreover, each affiliate program solves its specific task.
For example, you are tasked with creating a landing web page by bank cards... You describe several offers and then give affiliate links. If the application of the user of your page is approved by the bank, you are entitled to a remuneration, say, 1,500 rubles (payment for each application is determined by the conditions of work in a particular bank).
The only difficulty here is to catch up with traffic. However, if your efforts have taken effect, such affiliate programs can be very profitable.
2. Investing money in MFA sites
This time we are talking about resources aimed at generating income from contextual advertising. You will hardly get a super-large gain from this type of earnings. However, it has one very big advantage - the ability to install an ad unit on the site almost immediately. (For example, Adsense blocks or YAN blocks (Yandex Advertising Network))
This means that the site will start making money almost from the first day of its existence. The level of profitability is largely determined by the topic of the site.
For example, a popular medical portal can bring from 15,000 rubles in monthly income (with an average traffic of 1,500 users per day).
It all depends on the ability to monetize traffic on the site. The most profitable sites for payments in contextual advertising are sites for financial, construction, etc. subject.
For example, the average financial "trust" site can generate income every month in the amount of 10 - 30 thousand rubles on link sales.
True, at the current stage of development of search engine robots, the income from this type of investment has dropped significantly for many. Some even stopped betting on it, having analyzed the unprofitable dynamics of income.
The main disadvantage of such monetization - after it, the site can be confidently written off to the scrap, since search engines can impose sanctions on web resources and then the traffic to the project will fall, respectively, and the income from the sale of links too. If the site earns by such a "unclean" method, you will not see a lot of traffic for "clean" methods of income (contextual, banner advertising, etc.).
Method number 4. Investing in PAMM accounts
This type of investment in Forex is becoming more and more attractive today. The amount of the deposit may be limited to just 500 rubles, which contributes to the growing popularity of PAMM. The mechanism of this method of investment is to transfer money savings to the management of a professional trader. This virtually eliminates non-trading risks. (We recommend reading in - How to trade on Forex market, where to start playing on the Forex exchange)
The guarantee of the safety of the investor's interests is the presence of the manager's capital on the PAMM-account. The latter is only allowed to make transactions on the account without withdrawing the principal's money from it. The depositor can always follow the course of transactions online or view the history of their execution.
Big plus PAMM investing is a contributor's opportunity fully dispose of their funds , entering and withdrawing them at your own discretion. An investor can also diversify his money by placing on PAMM accounts of various traders. You can also perform trading operations yourself by copying deals experienced traders.
Method number 5. Earnings in summer cottages and summer cottages (editor's choice)
Dachas are one of the most undervalued markets today and here's why:
- Now it has become fashionable and profitable to have a rest in Russia again.
- You can now register at the dachas
- You can live in dachas all year round and connect all the necessary communications
- Transport accessibility in big cities has grown significantly
- The dacha market has not yet won back the new conditions and there is practically no competition on it, while there are more and more people who want to buy a house for a weekend or for a vacation every day.
Watch a lesson from our expert - Anton Murygin, who just specializes in this special form real estate:
3. Where to invest money to get monthly income - 4 expert advice where to invest money
2020 in Russia promises to be years of testing for all citizens, including investors. So that it does not become ruinous for you, experts unanimously urge you not to keep your savings at home. In a year, they can depreciate by 10-15 % , or even higher.
You should also follow the forecasts of specialists and the advice of experts in various sectors of the economy and, of course, rely on your sixth sense.
Where is it more profitable to invest money now? What investment recommendations do experts give in 2019? In what areas of investment now, in their opinion, are the minimum risks for the placement of funds? Where to invest to get monthly income?
Expert advice # 1. Commercial bank deposit
This one is popular with our compatriots financial instrument it is recommended to use it, first of all, for those who seek not to increase their capital, but only to protect it from depreciation.
It is expected that in the 2020s, the inflation rate in the country will reach 13% - 15% (the Ministry of Economic Development predicts inflation at 5-7%, but it all depends on the state of the economy and we can safely assume that inflation will reach the aforementioned 13-15 percent) ... Meanwhile, the interest on deposits in national currency averages 10-13%. Thus, interest payments in banks should cover the cheapening of money.
However, when giving your savings to banks, you need to take into account two important points:
1 . When choosing a deposit program, give preference to the most solid and stable financial and credit institutions. Today, the first positions in the reliability rating are occupied by such large financial institutions as Sberbank, Gazprombank, VTB, FC Otkritie and Rosselkhozbank.
2 . Before opening a deposit with a financial institution, you need to clarify whether it is a member state deposit insurance programs... If you receive an affirmative answer, you can open an account without fear, depositing up to 1,400,000 rubles : such a deposit is considered insured, and, in case the bank loses the license, it will be guaranteed to be returned.
Expert Advice # 2. Investment of funds in real estate
Experts reasonably believe that investment in residential buildings in 2019 is a long-term investment. Now many industries have already begun to win back the sharp jumps in the rate and prices have pulled up, real estate is still holding, and many developers and private owners give good discounts.
But if you know how to wait, then such a use of your money will be optimal. In a couple of years, prices will rise again, and you will be the owner of a decent profit.
Experts give the following instructions regarding the choice of investment objects:
- Don't invest now (buy) commercial real estate.
- It is advisable to purchase housing in small, but promising cities: it is they who will become the "first swallows" in terms of rapid development in the post-crisis period.
- The ideal option is to acquire one- and two-room apartments: they are easy to rent out even in times of crisis; moreover, they are considered the most liquid type of real estate.
- To successfully sell a home after the crisis is over, it is often necessary repair it, take care of finishing work, which will give the room an imposing and respectable look.
- Reputable investors can consider proposals in foreign real estate markets. Today there is a rise in prices in the markets PRC, Thailand, Morocco, Brazil, Malaysia... Moreover the cost of housing in these countries is not much higher than in the Russian market.
- If you do not feel confident enough in this area, hire a pro and pay him well. The financial assistant will warn you against many risks, obtain valuable information for you about promising construction projects located in residential neighborhoods. You will definitely not go wrong with this advisor.
Expert Advice # 3. Foreign exchange investments
This type of investment is considered a worldwide recognized way of income in a crisis economy. Experienced depositors can make a decent income in a few weeks by transferring money from one currency to another. (We recommend reading -)
However, foreign exchange investors should take note of the following information:
- Those who are willing to take risks can make traditional investments in dollars and euros: the value of these currencies will change depending on fluctuations in oil prices and the alignment in the world political arena. The main thing is to keep track of forecasts when concluding contracts.
- A more conservative group of depositors it is necessary to give preference to more stable currencies - the Swiss franc, Chinese yuan or pound sterling.
- The acquisition is considered promising now euros and dollars with the aim of selling them next year, when an increase in market value is expected.
Expert Advice # 4. Investing in your own online business
The most profitable business in the context of the current economic problems – conquest of virtual space . The production of goods, as well as the provision of services, are extremely risky ventures in today's real market. Therefore, experts advise to invest (invest) money in Internet projects.
Your own Internet project can be created in various ways:
- in the form of an online store selling consumer goods;
- in the form of a personal blog or forum providing users with paid services or consultation;
- in the form of an information portal that allows you to place advertisements and advertising banners of third-party organizations and individuals for a fee.
It is best to order a website and its promotion for IT specialists, and then constantly fill it with high-quality content and relevant offers. Unlimited network activity by territorial and time frames is the best prerequisite for its profitability.
Other options for smart investments in 2019, according to experts, are:
- investments in PAMM accounts;
- own foreign exchange reserves
- investments in blue-chip stocks and bonds;
- but we emphasize that real estate remains the most stable and interesting
These are typical pyramids like the infamous MMM. Crazy profits - up to 3% of profits - are shining here only for their creators. The lifespan of such a pyramid is from a year to a couple of months.
Another continuous gamble is online casino... No one has yet managed to win big money in it, but it is quite possible to drain all the capital. The fraudulent scheme of an online game is based on the inability of a gambler to stop in time.
If you are not in control of yourself, it is better not to have anything to do with either real or virtual rogues. Don't be tempted by "free cheese": the pursuit always ends with the click of the mousetrap door.
5. Conclusion
So, you have learned about the most popular ways of investing during the crisis and got acquainted with the opinions of authoritative experts on this matter. Now it's up to you. After all, it is up to you and only you to decide where to invest your money (your acquired capital). The burden of responsibility for the decision will also fall on you.
Perhaps the choice of objects for investment at the moment is not as wide as many would like. Moreover, the situation in the country is so unpredictable that all forecasts are very relative. Therefore, you need to keep your eyes open and be able to quickly rebuild. The main thing to understand is: a crisis