Where is the best place to invest with interest? Where to invest at a high interest rate with minimal risk

Where to invest money at interest: 12 basic rules to avoid bankruptcy + 5 directions for investment + 6 undesirable options for deposits.

Almost everyone sets themselves the goal of financial independence and well-being in order to meet all their needs, while not denying themselves anything. However, not everyone achieves this.

Of course, for this you need to have a mind and work hard. But such conditions also do not guarantee a comfortable life. Therefore, many get out as best they can.

Some prefer to go fraudulent or gambling, others are looking for projects that where to invest with interest.

Indeed, investments can bring good returns. The problem is that all existing options have their own risks and peculiarities. And, of course, it is necessary to understand at least the basic principles of money circulation.

Otherwise, it will be possible to say goodbye to the money earned with blood and then. To prevent this from happening, we suggest that you familiarize yourself with different ways, as well as sources at interest, study all the nuances and draw conclusions.

We study standard options where it is better to invest money at interest

To the question: “Where is it better to invest money at interest?” economists and experts can answer more informatively. Moreover, the opinion of each of them also diverges.

Therefore, the right decision is an independent analysis of all methods, based on the size of the existing asset, the desired return, timing, and the amount of investment risk.

Making forecasts for 2017-2018, analysts report little comforting news regarding investing money at interest and the economic situation in general.

Unstable situation, fluctuations in interest rates on loans in banking institutions, falling national currency make people who want to have confidence in the future, wonder what will happen in the near future.

Because of this, many people think about investing their money at interest, and the relevant organizations provide such an opportunity.

But before you understand the sources for investment, learn the basic principles of investing money in order to avoid losing them.

Experts in the field of economics and finance strongly recommend that you adhere to the following rules that apply to absolutely everyone:

1. It is worth investing only your own money. If you do not have good capital and intend to take out a loan, know that this is a bad idea. The loan imposes an obligation on you to return the money, and if you “burn out”, you will need to pay with your own money, which you will not have.
2. Make a list of the pros and cons of each option beforehand., where you can invest in order to choose the most optimal one.
3. Do not plan on spending money, especially the first money received from investments. Accumulative capital is cumulative because it is not spent on entertainment and personal needs.
4. It is better to invest in different projects. In the case of diversifying (distributing) a large amount of money, you minimize the likelihood of a complete bankruptcy.

Withdraw interest sooner to avoid losing money. Suppose you decide to invest in investment company at 10% per month 10 thousand rubles. If the money is left in the work of the project, in 8 months the amount will double.

You will have 20 thousand rubles, half of which will be your net profit. The first deposit has been repulsed and it is desirable to withdraw it, and the passive income will be brought to you in the future by the 10 thousand rubles left on the balance sheet.

Demand the provision of results on investment projects. This will protect you from fraud in 90% of cases, because scammers will not be able to fulfill your request.

Organizations that operate transparently and honestly have nothing to hide, so it will be easy for them to demonstrate their financial performance.

5. Be flexible. The investment market and the economy are quite volatile, which makes it necessary to adapt in order not only to save, but also to increase money.
6. It is worth investing your capital in the area in which you understand. Do not even think about investing in Internet startups when you yourself have worked in the rural industry for 5 years.
7. Gather information about leaders investment project where they intend to invest. The success of the project in most cases depends on the persons occupying the leading positions. following this principle to some extent will allow you to make predictions for the future.
8. Explore the product or service in which you are going to invest. The object of capital investment at interest should be known as much as possible.

Invest some of your money in international companies. Due to the influence of local factors, each industry or a single region is not immune from risks, so the crisis can overtake anywhere.

However, international organizations are less exposed to risks, differ increased reliability and stability.

9. Do not be lazy to carry out calculations, analyze news reports and charts, analyst reports. Of course, this will not give you a 100% guarantee of the correct investment of money at interest. However, this will allow you to become an educated investor and achieve greater awareness.

So, it is proposed to invest money at interest in such sources:

• credit and banking institutions;
• real estate (residential, commercial);
• securities and financial instruments;
• Internet projects;
• and etc.

One of the Western publications conducted a study to find out where different segments of the population prefer to invest. It turned out that poor people send money to return of debts, secured - in companies and securities.

Option number 1. The essence of investing in a deposit account.

Bank deposits on the scale of popularity of investing money are in first place. In fact, the investor gives the bank a loan at 10-15% per annum. The Bank, at its discretion, disposes of this money during the entire investment period.

Investing money in credit and banking institutions is associated with low returns. However, the reliability of this option for most is a decisive factor. Therefore, if you do not know where to invest money at interest safely, a bank deposit is what you need.

If money in the amount of up to 1.4 million rubles is placed on a deposit, investments are insured against bankruptcy by the state.

More benefits can be obtained if you invest in foreign currency. Many distribute their funds into three deposits: euros, dollars, rubles and invest in different banking institutions. Interest income will vary depending on the amount invested.

Benefits of investing in a bank:

• minimal risk,
• low entry threshold (no need to have huge amounts of money to invest in a bank),
• fixed income,
• guarantee of receiving money even in case of license revocation,
• possibility early withdrawal profit (interest on the deposit).

Disadvantages of investing in a bank:

• not high interest.

To open , it is important to consider the following aspects: investment period ( optimal solution will be 3-6 months. ), currency, interest and the bank itself (preferably the state bank).

The most reliable banks in order to invest money at interest are:

• Sberbank (detailed conditions can be found here: https://data.sberbank.ru/moscow/ru/person/contributions);

  

• VTB 24 ;

  

  

• Rosselkhozbank;

  

• Uralsib;
  
  
  

  

• Alfa Bank ;

  

• Gazprombank.

  

Option number 2. Is it possible to profitably invest money in real estate at interest?

Also a popular option where it is profitable to invest money at interest is real estate. Some believe that this method allows you to save capital, but not accumulate. However, this is misleading.

If you have a large amount of money and certain knowledge, investing in real estate is an opportunity to receive monthly interest. The maximum profit can be obtained, according to experts, if you invest in buildings in which it is only planned to fill the foundation.

Premium class real estate brings considerable interest. At the time of construction, depending on the location, it can be bought at a price of 3-10 million rubles. Finishing construction works the cost of housing will soar at least 3 times.

Profitable to invest in one-room apartment. After its purchase, the premises are rented out. First you return the invested funds, and then you receive income.

In this case, it is necessary to purchase an apartment near the metro or in the city center. So rent will increase significantly. Studying the infrastructure of the area will help make the investment more profitable.

In metropolitan areas, capital is often invested in commercial real estate , i.e. non-residential premises for the purpose of leasing or resale as a warehouse, office, shop, retail space.

To resell a property, you need to install it original cost based on current market prices. The potential level of profitability shows the economic feasibility of investing money in housing.

For example, rent one-room apartment can bring you 6% per year. Let's add another 20%, which we get due to the general increase in real estate prices (the figure can vary significantly in each individual region of the country).

The sum is the rate of return. However, it should be borne in mind that it does not take into account such factors as depreciation and overhead costs, insurance, downtime, tax payments and similar costs.

As practice shows, such an investment of money brings profit only in the long term. If you are waiting for income here and now, it is worth investing in something else.

If you decide to invest in housing, consult with experts first, as only they can determine the economic downturn when such investment activities the most profitable.

Benefits of investing in real estate:

• sustainable prospect of earning income through constant growth housing prices;
• the chance of losing money is minimal.

Disadvantages of investing in real estate:

• dependence of profitability on the cost of acquisition;
• the need for a large amount of money to invest in a purchase square meters;
• low liquidity for urgent sale.

Option number 3. Where is it more profitable to invest money at interest, if not in securities?

Financial instruments like securities are another of the options that exist today, where it is more profitable to invest money at interest. In order for investments in shares to be economically profitable, it is necessary to have all the necessary information in this area and feel like a fish in water in it.

For this reason, few people manage to get good interest with the idea of ​​investing in securities. Therefore, if you do not feel 100% sure, it is better to turn to qualified traders for help.

How do you get money by investing in securities? By investing in the shares of a company or organization, you become its co-owner.

In the form of interest, a certain share of the company's profit (dividends) is paid monthly or quarterly, commensurate with the number of purchased shares.

Changes in the price of securities occur in the market every day, and accordingly there is a need to know when securities should be held and when to sell.

Advantages of the decision to invest money at interest in stocks:

• the possibility of making a good profit not only on dividends, but also on resale (sometimes at a price several times higher than the initial one);
• ahead of inflation;
• acceptability of investment of money in parts.

Disadvantages of investing in financial instruments:

• the need to have impressive experience and skills in order to use this financial instrument;
• you will receive interest last after distributing it among creditors, suppliers, employees;
• there are risks of bankruptcy due to the depreciation of shares, the possible economic insolvency of the organization.

At the same time, the presence of 1-5% of the shares gives you the right to take part in the board of directors, the right to vote on managerial decisions. Depending on how successful the year was for the enterprise and your skills, as well as the type of action, you can get 50-60% profit per year.

Since the number of domestic private investors in securities is small, there is little competition in the Russian market. To fully invest in stocks, you need an amount equal to or greater than $ 5,000.

The largest international companies offering to invest in their shares at interest are:

• mastercard,
• coca-cola,
• google,
• Adidas
• Nokia.

Among Russian companies where you can invest in the purchase of shares:

• Gazprom,
• Sberbank,
• Yandex,
• Rosneft,
• Lukoil.

It is advisable to invest small amounts of money in bonds with short-term maturity. Based on the advice of a broker, you can buy securities, for example, Rosselkhozbank or Transaero airlines. The average yield will be 11-14% per annum.

Option 4. Is it worth investing money at interest in Internet projects?

Websites are recognized as one of the modern options where many people prefer to invest money at interest. More precisely, their development for subsequent monetization.

But for effective investment in Internet web resources, you definitely need to know the methods of how to get money on them in the future and understand the basic principles.

The degree of risk is relative. They can be minimized by correctly evaluating the prospects of the object, where money is expected at interest.

First, you study the profitability of a niche, thereby choosing the subject of the portal. Then you give money to purchase a website, a domain and pay for hosting, you bear the cost of hiring a workforce: programmers, webmasters (if the resource is not ready), copywriters and seo-specialists.

The performers will be responsible for filling the Internet project with unique content, its optimization and promotion.

In the case of investing money at interest in a profitable idea, with the right strategy, you can achieve a profit of 100-200% within a year, and also come to a passive income that does not require your direct participation.

Pros of investing in websites:

• high profitability in a relatively short period of time;
• the need for a not very large amount of money to start;
• the possibility of scaling the process in the future.

Cons of investing money at interest in Internet projects:

• the need for deep knowledge;
• high risks of non-return on investment.

To receive monthly interest, you need to use different methods of receiving money: CPA affiliate programs, MFA sites.

What does the decision to invest in CPA affiliate programs imply? It includes searching for a relevant and profitable offer (company, advertiser's offer), and connecting to it.

In simple words: you place an affiliate link on the site and attract users.

If you invest money at interest in MFA sites, you will receive profit from contextual advertising. This method will not bring much income, but there is a significant advantage in placing Google AdSense ad units.

They are a profitable means of getting money, but only in case of good traffic and a good choice of topics for your portal. Thus, a medical resource with daily attendance of 2-3 thousand users will bring an average of 15-20 thousand rubles. per month.

They can also act as assets. This implies a decision to invest in:

• purchase of popular public pages, communities and groups (for monetization or promotion and further resale);
• creation and promotion of games and applications.

Option number 5. Offline business: why is it advisable to invest in Russian enterprises?

Often, as an option for investing money at interest, experienced analysts and financiers recommend choosing a domestic business, the annual profit from which can be at least 40-80%.

This is the most optimal value, since lower interest rates are not economically beneficial for the investor, while larger ones can lead to loss of money.

If the company is consistently making good profits, this indicates its development and success. So, you have a guarantee that the organization will not go bankrupt, and you will not lose money.

Examples of where you can profitably invest in an offline business in Russia:

1. Yekaterinburg Feed Mill (https://korma-ekb.ru)

   An acceptable amount to invest in a business is an amount in the range of 50-300 thousand rubles.

   If you invest for a year, you will receive 40%, for two - 95%, for three - 150%. Interest is paid at the end of the term. There is early return money, if you give at least a month's notice.

   Official moments: you arrive at the enterprise and conclude an investment agreement. The contract is registered in the State Register.

2. Agriculture, animal husbandry in general. In this case, you can conclude a contract for 12 months, if necessary, its validity period is extended. The optimal amount of money that it is desirable to invest - from 50,000 to 500,000 rubles.

   In this case, interest is paid annually or at the end of the term (50%).

   For investing in Agriculture it will be necessary to conclude an agreement between the investor and the farmer. A bail is provided.

Among the most profitable are such projects for investment in the field of agriculture:

• KFH and Partners ( https://kfh-ff.ru)
• "World of the Earth" ( https://mirzemli.ru)
• GeoDevelopment ( https://www.geodevelopment.ru)

Advantages of investing money at interest in an offline business:

• impressive profit margin;
• the ability to manage the case;
• there are no restrictions on the amount of profitability.

Disadvantages of investing in Russian enterprises:

• lack of guarantees and protection from the state;
• riskiness;
• influence market conditions payback periods and interest rates on deposits.

Where to invest money at interest will be a bad decision?

You should see the differences between a disguised scam and a profitable project for investing money.

Investing money at interest is absolutely not profitable and even unsafe in the following organizations:

• mutual funds;
• stock exchanges;
• binary options;
• Forex;
• bookmakers.

The probability of a return of money when investing in the above options does not exceed 5%. In 95% of cases you will lose your capital. This is due to the large number of scammers who turn these ways, wherever you want to invest money, into a pyramid scheme.

Only the creators of these scams will receive interest. Equally adventurous would be to invest in online casino. Their owners and managers build their fraudulent schemes on the basis of immoderate human excitement.

Interest-bearing investments into precious metals- a good option, but its payback stretches for several years. Therefore, you will receive money from deposits in gold after a few years.

*This is how the price of gold has changed in recent years

You can also invest into art, but every year there are less and less connoisseurs of antiques and objects of cultural, historical reflection. This will complicate the resale of works of art.

If the risks of losing money on deposits are very high, it is better to wait a bit until better times, or give preference to safer ways of investing.

Now you have a general idea of ​​the common options, Where is the best place to invest with interest?. The advantages and disadvantages of each method will help you decide.

Where to invest money to receive passive income?

We offer you an overview of investment projects:

Be it real sectors of the economy or Internet projects - all methods have their own degree of risk and level of profitability. be guided comparative characteristic and expert advice, make a choice based on them, but be sure to do it yourself. It is up to you to decide where to invest the money earned at interest.

Useful article? Don't miss out on new ones!
Enter your e-mail and receive new articles by mail

Many of us are accustomed to saving money for various needs. But leaving your savings at home is not advisable, because you must always remember that inflation eats them up every year, and the accumulation itself loses its meaning. But there are several ways not only to save your accumulated money, but also to increase it, or to receive passive income monthly or annually. We are talking about investing, it is not necessary to be an economist to make your own money work for you, it is enough to know for sure exactly where to invest money at interest. This will be discussed further.

Investing in bank deposits

If you are wondering where to invest under high percent with a guarantee, then a bank deposit is the most reasonable option. The reason for this is the state guarantee, the fact is that all deposits in Russian banks are insured for up to RUB 1.4 million, respectively, regardless of financial condition financial institution, your money is guaranteed to be returned to you at your request. Moreover, it does not matter at all which bank you have chosen, if it has a license from the Central Bank of the Russian Federation, then it will definitely take part in the deposit insurance system.

As for the interest rate, here you have to carefully study the market current offers. For example, in some banks, deposit rates are quite low and do not even cover the level of inflation, for example, in Sberbank, the average rate ranges from 3 to 6 percent a year, but nevertheless, most depositors choose it, for one simple reason - for this moment it is the most reliable bank in Russia. But, as mentioned earlier, you should not worry about your own savings, because they are under the reliable protection of the state, respectively, you can safely choose any commercial Bank with high returns.

For example, in Tinkoff Bank today the deposit rate is from 8% per year, the maximum amount is up to 30 million rubles. In addition, the following Russian banks can offer a high percentage:

• UniCredit Bank;
• Citibank;
• Trust bank;
• Bank Zenith;
• Credit Europe Bank;
• Home Credit Bank.

Please note that the maximum insurance amount reaches 1.4 million rubles, so if you have larger amount own savings, it is wiser to disperse them in various banks.

As mentioned earlier, investing money at interest in a bank is today the most reliable way to save own funds. That is, there is a 100% guarantee that you will not lose them, but, on the contrary, increase them. In addition, financial institutions offer several ways to make a profit. That is, you can receive interest monthly, once a year, or only at the end of the term of the deposit agreement, and in this case you can use the interest capitalization service, and thereby increase your profit.

Deposits in Russian commercial banks: comparative table

Individual investment account

More recently, or rather, since January 1, 2015, the inhabitants of our country have a unique opportunity to invest their funds in an individual investment account, abbreviated IIA. Not everyone knows what it is yet, but the bottom line is that individuals can invest their funds in large Russian companies, but they cannot do it directly on their own, so they conclude an agreement with the management company and open an account there. In the future, the intermediary will invest your funds.

In Russia, there are more and more such companies, some of them owned by large commercial banks, such as Sberbank, VTB24, and Alfa-Bank. The minimum investment amount is not limited, the maximum is up to 400,000 rubles per year.

Please note that only able-bodied citizens can open an account, and to be more precise, taxpayers, because when they open an IIS, they receive an income tax benefit.

For example, if you put 400,000 rubles into your individual investment account for the year, then you have the opportunity to return 13% of the invested amount in the form of income tax, in total it is 52,000 rubles. True, the nuance is that in order to take advantage of the benefit, funds must be kept in the account for at least 3 years.

How IIS works

mutual funds

Mutual funds are similar. In simple terms, mutual funds are management companies that distribute the investment contributions of shareholders. Mutual funds can be divided into several types:

• stock fund;
• commodity market funds;
• money market funds;
• bond funds;
• credit funds;
• real estate funds and others.

Features of investment that the investor can get here profit from 30 to 70%, although in recent times there is a decline in profitability by 11%. However, there are certain risks involved. The essence of mutual funds is that one investor is entitled to a share of the profit in proportion to the size of his share. Can an individual with a minimum start-up capital become a shareholder? Yes, maybe, because here the initial amount of the contribution ranges from 1 to 3000 rubles.

What are mutual funds: definition

Buying shares of large companies

Another way to invest your own funds with great profit is to buy shares of large Russian companies such as Sberbank of Russia, Gazprom, Lukoil and others. Here, each potential investor has two ways to benefit: the purchase of securities for the purpose of subsequent resale and a percentage of the company's activities through dividends.

In the first option, a potential investor on the stock exchange acquires a block of shares with the help of an intermediary at one price, in the future, during a price jump, resells them at a better price. In the second option, the owners of the shares annually receive income in the form of dividends. Which of the two options is more profitable, the question is ambiguous. As for the payment of dividends, this value is not constant, that is, the company makes a payment based on the results of the past year, the more profit the company received, the more benefits the shareholders will receive. On average, the size of dividends ranges from 3 to 5% of the value of one security.

Buying securities for the purpose of their subsequent resale is quite a risky undertaking. After all, a simple person who does not have analytical skills can hardly correctly predict the fluctuation of quotations in the stock market. Accordingly, when investing in stocks, there is always a risk.

Important! An individual cannot be a buyer on the stock market, therefore all trades are carried out with the help of an intermediary - a broker. If you are interested in this method of investing, then you need to conclude an agreement with an intermediary for the provision of brokerage services.

Private investment

Private investment of money at interest is a special type of provision financial assistance individuals. The principle is quite simple, each person may need borrowed funds, but for some reason they cannot get a loan from a bank, for example, due to the lack of a permanent source of income or a damaged credit history. Here, a private investor who is ready to provide a loan at a certain percentage can come to their aid.

Is it worth talking about the risks in this case? Indeed, they are unreasonably high, but the profitability can be quite large. After all, private investors provide loans for a long period at a high rate. But there is a high probability that the borrower will not cope with his obligations and the investor will not be able to return his savings in the near future.

If you want to become a private investor, then be sure to remember that the loan agreement must be certified by a notary. It should also contain all the essential conditions, including the amount of remuneration, sanctions in case of non-fulfillment of the terms of the contract, and the procedure for collecting debt.

Investing in MFIs

Probably, there is hardly a person who does not know what a microfinance organization is. In short, these are companies that issue short-term loans at a high interest rate. It is this type of lending that most residents of our country prefer, here you do not need to wait a long time until you get approved for a microcredit and provide information about wages, get borrowed funds You can literally on one passport.

Despite the high competition in our country, there are several reliable microfinance organizations that are expanding their client base, respectively, they periodically need to attract investments. Even an individual can become an investor, for whom there is only one requirement - minimum amount investments from one and a half million rubles.

Consider the list of microfinance institutions and the return on investment for one year:

1. MoneyMan - This company is powered by Russian market for more than 5 years, in addition, it has offices in 4 more countries. Here you can invest your funds for a period of 1 year at 20% per annum.
2. Home money is a fairly well-known microfinance company in our country, here the yield can reach 26% per year.
3. Bystrodengi is a reliable company that has been operating on the Russian market for about 10 years, with a return on investment of 18% per year.

This, of course, is not the whole list of microfinance companies that need to raise capital from outside. You can choose any other. At the same time, be sure to pay attention to the reliability of the enterprise, usually the company provides a potential investor with reporting documents that can confirm its solvency and stability.

Please note that if you receive income from investments, then do not forget to pay income tax, for this you need to file a declaration in tax office no later than April 31 of the year following the year of receipt of income.

Other ways to invest

Undoubtedly, there are other ways to save and increase your own funds. For example, you can use your personal savings to purchase precious metals: gold, silver, platinum or palladium. It is these precious metals that are steadily growing in price, and the price increase exceeds the inflation rate in the country, which means that you are guaranteed not to be at a loss. Moreover, if it is said in which metal it is more profitable to invest money, then, most likely, in palladium, because according to the forecast of analysts, in a few years its value may increase significantly.

And another option is purchase of foreign currency: dollar or euro. The risk, of course, is quite high here, because the exchange rate is so unstable that you risk simply incurring a loss if the foreign exchange rate declines. By the way, at the moment there is just a steady decline.

The last option where you can invest your own savings is the purchase of real estate. After all, housing always goes up in price. If you purchase an item real estate, then guaranteed, if you do not increase your savings, then be sure to save them. In addition, housing can always generate income, because it can be rented out.

Thus, if you are looking for profitable investment at high interest, you can choose one of the proposed options. Which option is less risky and more profitable, most likely, this is a bank deposit, at least for an ordinary person this is the most familiar way of saving. In addition, there is no need to pay income tax on this type of income if the rate on it does not exceed the refinancing rate + 5%.

Last update:  12/02/2019

Hello, dear readers of the financial magazine site! Today we will try to reveal the question "Where to invest money." After all, the difficult economic situation in the country's economy makes you constantly worry about your own financial resources.

Therefore, we constantly face many questions, first, where to invest money, to keep and not lose, then where to invest, to earn, to receive monthly income etc.

Detailed instructions: where to invest money so that they work and bring monthly income + 35 ways to invest money

If there is even a small amount of accumulated capital, then there is a real fear of losing it. That is why we try to be more literate in matters of investing money, exploring various profitable investment opportunities.

Of course, many of us are far from politics, big economy and government methods, but this does not deprive us of the opportunity to study the experience successful people, view expert advice, identifying most best way investing money to earn income. Such a detailed review of the situation will help determine the most profitable area of ​​investment money at the moment.

From this article you will learn:

• Where to invest in 2020 not to lose— expert advice;
• Where to invest money to earn (to make them work) at a high percentage with a guarantee - the basic principles of investing money;
• Consider where you can invest money in Russia + real ways to invest money, depending on the amount of money.

5 rules for investing money

1. Where to invest money so as not to lose - 5 basic investment rules 💎

So all the same, how to invest money so as not to lose it and what needs to be done to make it work and generate income? On our site we present the site 5 rules of investing to be taken as a basis. They will be kind to you" table book”, which will help you make the most correct actions to save and save money.

These rules have been developed through experience gained and have been proving their effectiveness for many years.

Rule number 1. Free money

This is the first rule, which says that you can invest (invest) only those funds that are available after fulfilling all basic obligations and needs, that is we are talking about not taken on credit/debt, etc.

Never take money to invest on credit or duty. It should be understood that subsequently an unsuccessful investment can lead to bankruptcy and limit the ability to return funds at the appointed time.

Moreover, miscalculated economic budget own family will cause additional difficulties for you. After all, sometimes emerging domestic problems require an urgent solution.

Remember that private loans, credit debts can not only rewrite your good story, but also spoil the relationship with close relatives, obligations to which will remain unfulfilled.

But if you still decide to use a loan, then our article is about how, even with a bad credit history- to help you.

Rule number 2. Regular income

When investing your own money, it is important to realize that you can only count on the money that you manage to earn in the usual way, without resorting to the results of investments. About where you can earn money without investments, we already wrote in the article.

Divide these income items into 2 parts, one of which constantly increases capital, remaining intact, and the second ensures personal existence and is replenished monthly from stable sources.

Rule number 3. Investment Plan

Make it up in advance, defining clear parameters. Consider all your possibilities and ways, try to choose 2-3 types of investment. At the same time, it is important to understand that the actions you have planned can be adjusted taking into account the changing economic situation in the country. That is, the built investment plan should be flexible and relevant.

Try to make sure that all available funds are not invested in one single project (investment method). The greatest efficiency will be the investment of funds in several projects. Even if in some area it will not be possible to achieve a profit (there will be a loss), then other types of investment will correct the situation.

Rule number 4. Don't waste your profits

This rule says that the money earned should form and increase your capital. Many experts advise to quickly withdraw the money earned from investing in other investment objects.

Form your own investment portfolio and look for new most profitable sources of investment.

Rule number 5. Control your money

Try to be interested in the movement of your own funds and assets as often as possible, paying attention to even minor nuances. This will avoid a lot of mistakes and problems, and will also allow you to make the right decisions on investing your money.

In addition, you should be very careful with dubious and super profitable investment proposals. Carefully check all possible information on these types of investments.

It should not be forgotten that cases fraud have become much more frequent and it is not always possible to immediately determine the veracity of the intentions of the company / person.

Find out about the company that plans to work with you. Look through various reviews on the Internet and learn from the experience of other people who have a history of investing in it.

Try to make preliminary calculations, pay attention to the totals. Too fast and high profit should alert you.

By remembering these simple rules, it will be easier for you to navigate your own capabilities. It should be understood that only a thorough study of the situation and the proposals received will help you become a more competent investor.

We are accustomed to trust the words of our friends, parents, relatives, but the situation changes daily and yesterday's profitable deposits may turn into a risk of loss today. That is why you should count on your financial literacy .

According to experts, the income we receive monthly must be divided by 3 parts:

• main- this is the money that is spent on buying food, clothes, paying housing expenses.
• funded - it is approximately 10% from the amount received. Here, expenses are assumed to be for the purchase of a car, a trip on vacation.
• working- the entire remaining amount, which can be disposed of at your own discretion. It is she who is the source of future investments.

As you can see from the diagram, there is little money left for investment, but it is they who are able to increase many times with the right approach.

Even if there was a situation in which you fell into the hands of a very profitable project, and there are not enough own funds for it, try to find other investors / co-investors. By joining forces, you will create a common fund, which in financial language is called pool, thereby giving a start to the business itself to receive higher interest.

These situations are not rare and people very often seek to find like-minded people who have a cash reserve. The general idea is able to give an incentive, and the raised capital is a good return.

2. Where to get money to invest it profitably - tips 📑

Sometimes it seems that the very word " Investment"implies a large financial amount that is difficult to immediately find. (Our article "" to help you). That is why we try to put banknotes in a box, keeping them at home until better times.

In fact, this position unfaithful , because any free money should work for you, attracting new financial resources. If we talk about such a method as preserving and increasing capital with the help of a bank deposit, then the initial amount of investment can be 1000 rubles.

It's just important to choose the right bank deposit and the terms of its use. Read about what happens in a separate publication of our magazine.

Yes, buying currency, precious metals , art objects, and even more so own business will require a larger amount from you. But here, too, there is a way in which you can gradually collect the missing finances.

First, teach yourself to save. Try to shop the right way, creating your own benefit. We recommend reading the article - + expert advice "

And secondly, set aside monthly 10 % from the income received preservation. Thus, you will create a clear structure for the distribution of funds and in a few months you will come to the intended result.

Profitable ways to invest money so as not to lose, save and earn - TOP-35 ways to invest

3. 35 ways to invest money so that it works and generates income 💸

Let's try to consider the most relevant options for investing your own money, determining their advantages and disadvantages.

Method number 1. Bank deposit (in which bank is it better to put money at interest)

This is the most common way that is available to anyone who wants to invest their money. Its whole essence is that an agreement is concluded, on the basis of which all the funds you deposit are not only kept for a certain time, but also multiplied according to the specified rate.

The investor (depositor) acquires confidence in that he will receive income, the amount of which can be calculated in advance. This method of working with money is beneficial for both parties.

Method of investing money No. 1 - deposit

You replenishing the deposit, you work to increase it, and bank, taking money, conducts a lot of operations that give him their benefits.

So, your contribution is under 10% is given for a loan with debt obligations to another client in 20 % and, exactly one year later, the returned money will make a significant difference (income) to this institution.

You can choose the most optimal deposit for yourself either on your own or with the help of a consultant who always focuses on the offers that are relevant in a given period.

Another significant advantage this method can be called deposit insurance introduced recently in connection with the regular bankruptcy of credit institutions. Your contribution is now 1,400,000 rubles subject to compulsory insurance, and hence the return in any case by the state.

That is, if your investment amount exceeds this specified threshold, then you can split the money using the services of several banks.

Despite these positive aspects, there are also significant minuses . So, initially for invested funds it is set lowest percentage of all investment methods and can be from 0.1% to 9%, which varies depending on the terms of the proposal.

Moreover, unstable financial situation in the country leads to permanent depreciation of funds(inflation). But, even in this case, your small profit will allow you to avoid significant losses, keeping your capital at the same level.

Which bank is better to put money at interest in 2020 - expert opinion

When deciding for yourself which bank is better to invest your money in and where to open a bank deposit (deposit account), we recommend that you familiarize yourself with the TOP- 5 banks of the country, paying attention to the reliability rating of these banks.

The bank is more reliable if the main shareholder (controlling stake) is the state. It is unlikely that the state will be interested in the bankruptcy of its own banks.

Reliable banks include for example, such giants of the banking sector as Sberbank, VTB, Rosselkhozbank and some others.

So, the TOP 5 banks in which you can safely invest money at interest:

1. "Sberbank";
2. "Rosselkhozbank";
3. "VTB 24";
4. "Gazprombank";
5. "Alfa Bank".

The reliability rating of banks changes slightly over time. But the first 3 (three) jar are almost always in their places, as it is big banks with state financial support, that is, reliability at the highest level in the country. Here you can choose a deposit with replenishment, capitalization of interest, as well as prolongation. About that, you can read in one of our publications.

Method number 2. Investing in mutual funds

People who are somewhat familiar with stock exchange , shares, bonds and work with securities prefer to invest in mutual funds (mutual funds).

In fact, this combination only sounds complicated, but it has a simple basis. It represents collective investment of funds and their further management. All money is collected in a common fund, and then, with the help of a professional manager, is directed to the chosen method of use.

The principle of operation of mutual funds

AT most in our own way, we ourselves very rarely have real information related to economic indicators even the most successful organization. Therefore, the ability to acquire any security is enough, but to manage it competently is not.

Important! By investing money in mutual funds, we get the opportunity to acquire those stock, bonds, gold or currency, which have fallen slightly in price, but are able to gain their positions in the future, determining good growth and a significant share of profits.

To achieve this ideal situation, specialists in investment funds must have an excellent understanding of the economy, not only at the level of their country, but also in general, in the world. It is important to master the basics technical and fundamental analysis, view news feeds and be able to properly respond to constant changes.

It is very difficult for an ordinary consumer to obtain a complex of such knowledge, and even more so to actively dispose of it, therefore, there is a need for the services of a specialist. This is the essence of investing in mutual funds.. You give your free money to managers who have vast experience and good statistics.

Thereby, advantage investment fund is that at any stage you are provided with maximum support and various options for investing funds from which you can choose the most optimal.

There is no need to immediately immerse yourself in all the subtleties and nuances, study daily methods, it is enough to entrust your funds correctly. In addition, you can gradually delve into the ongoing actions thoroughly by acquiring additional shares of the same organization on your own.

It should be understood that any activity management company is subject to constant control by the state, and this is already confidence for you in honest cooperation.

It is precisely such tough measures in the legal field and legal issues that ensure the protection of our investment rights as shareholders.

For the most part, a company that values ​​\u200b\u200bits reputation allows only trusted employees with a special certificate to manage the attracted contributions. It is also important that the amount of your initial investment is practically unlimited. It can start from 1000 rubles.

All available capital can be distributed initially between several mutual funds, which will allow you to create your own portfolio, limiting your share risks.

Logically, the situation turns this way: if even one investment fund puts your money at risk and brings you lesion , then the other will help restore the lost amount and, most likely, will provide income .

Even if the fund is recognized bankrupt , then your property invested in this investment will be prohibited from bidding by law. If necessary, you can always request the results of an independent audit, which is carried out daily. So, with the help of the registrar, the fund's own rights to invested shares and all property are recorded. And annually, the company's accounting is subject to audit.

Negative side such a method can be called your own indiscretion, when a young untested specialist, taking up a case, “letes you down” and your expectations.

It is quite difficult to check its actions in advance, so there is a risk of losing accumulated money.

The only right decision you may want to learn a lot more about the mutual fund you plan to invest in. Try to analyze the situation, look for reviews, read forums, insure yourself.

Method number 3. Acquisition of real estate

Investment method number 3. Purchase of real estate (office, residential, etc.)

This method has always been the most effective for investing money. It should be understood that the acquired property (apartment, etc.) almost never loses its price. We have already told how profitable it is to buy an apartment and, in a separate article.

Over the next few years, its value will gradually increase. Sometimes this happens in sharp jumps, often just a systematic increase, but it always gives its owner the opportunity to be in plus . In more detail about, as well as the pros and cons of this method of investing, we wrote the previous material.

In addition, the purchased option can always be rent out, and this is the way passive income leading to further accumulation. Experts have noticed that in order to invest it is best to purchase simple rooms or one-room small apartments.

An example of an apartment that can be rented from 20,000 rubles per month in a large city

The rented premises of two such objects are several times more expensive than one area consisting of 2 rooms.

Also, a small quadrature is easier to repair, giving it a presentable look, and furnish it with your own furniture. If we use the language of numbers, then renting the purchased room will bring us 10-20% per annum that maximizes the return on investment in 6-8 years old, and after that the period of receipt of net profit will begin.

But renting an entire apartment brings only 5-7% per annum and this is a longer period for the return of their funds. Besides existing method daily rent of housing gives the most favorable prospects, but entails the need for constant work on search for residents and repair which will become more frequent.

You will need to provide not only the most Better conditions, but also the prestige of the location of the room in the area. Investing your own money in housing has mass benefits . This is stability, and the possibility of further residence and return of invested money at any convenient time.

It is worth understanding that sell property you can always. (For information on how to do this quickly, read the article -?). Moreover, you can easily give your square meters hand over them by inheritance or bequeath a specific person.

disadvantage In this way, it is necessary to consider the high cost of the object and the difficulties in making a transaction. So it is not always easy to collect the amount from 500 000 rubles, and even a loan taken from a bank imposes a lot of obligations on you. But having money on hand is not a guarantee of a successful result.

AT modern world there are many schemes used scammers when selling a home. And your initial conviction may later turn out to be a deception.

Therefore, vigilance is very important when searching for premises, checking documents and working with lawyers.

For more information on real estate investing, see the video below:

Method number 4. precious metals

The purchase of gold has become a very common way of investing. It is purchased in special ingots and, as a rule, kept in the same banks, creating a special account.

Over time, prices for this instrument may, as grow, and fall, but for the most part they provide the owner of the precious metal with profit. It is not difficult to buy it even on the day of the application itself.

If the transaction occurs in an impersonal form, then VAT in fact sales or purchases do not receive . But the formation of metal into an ingot involves tax payment value added in the amount 18% (VAT).

In addition to gold, actively sold silver, palladium and platinum. In fact, the entire income of the depositor is formed due to the growth in the cost of precious metals in world markets. If necessary, accounts can be replenished in the monetary equivalent of the value of this investment instrument.

Closing the contract, according to its terms, the bank has the right to give you not only financial resources, taking into account the increase in the amount, but also the bars themselves. By the way, very often prematurely closed accounts do not entail the payment of accrued interest.

Advantages of this method is that it protects savings from inflation, protects the owner in case of any unstable economic or political situations in the country. In addition, here is high liquidity use, that is, a quick transfer to cash, as well as a stable increase in the cost of them.

Gold, as a precious metal, is always valuable. The price of gold is subject to small fluctuations, but in the long run grows in price.

From shortcomings can be called the need to create special storage conditions, purchase and sale produced only through banking system, and the increase in capital growth is slow.

In addition, when working with this method, you must follow a few basic rules.

First, the acquisition of precious metals is important to carry out in the most favorable period. Try to identify the underlying price decline.

Secondly, it is worth understanding that such investments pay off only in the long term.

And, thirdly, when starting the main actions, try to preliminarily study the market, understand the peculiarities of the extraction and consumption of each metal, and also analyze the forecasts of experts.

Getting gold gradually depletes its reserves, which allows you to make the price more expensive after a time period.

Method number 5. Business

Investment method number 5. Business creation and development

Creating and developing your own business, as well as acquiring already finished project involves special risks in the initial stages. In general, of course, the sphere of investing money is considered profitable, but it can be very difficult to achieve such a result. About that, we already wrote in our issue, where detailed instructions how to discover, what to look for, as well as popular business ideas as examples.

Important not only initially correctly calculate the amount of investments, staff availability, purchase of goods and other items of expenditure, but also take into account the rent of the premises, the traffic of the planned place, and even the cost of the average check, which gives reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt the original plans. it presence of competitors, not a good relationship with suppliers, equipment upgrade, changes in Russian legislation , and much more.

advantage such investment can be considered the possibility of joint ownership of the business, collegial management of it and the search for a niche poorly occupied by competitors.

Under such conditions, as well as competent business management, you can not only receive a good income, but also be sure of its constancy.

Negative side this method is called the absence 100% guaranteed. Your invested funds may, in the end, not only not return, but also impose special obligations to eliminate debts resulting from activities.

Any area of ​​business requires special attention, constant work and personal dedication. You will either have to constantly monitor the course of affairs with the money invested, or independently participate in them, achieving positive results.

In more detail and in detail about, we wrote in our past material.

See also the video below about investing in business projects:

Method number 6. Purchase of securities

Investing in such instruments becomes profitable in the long run. The main types in your portfolio can be called stock, bonds and Eurobonds.

Way of investing money №6. Purchase of securities (stocks, bonds, etc.)

Let's take a look at each purchase in more detail.

So " stock" is a security that makes it possible to confirm one's right to a share in the company's capital. It allows not only to receive dividends, but also to participate in the management of the enterprise itself.

Main advantage such an acquisition can be considered a huge profit based on the increase in its price. The whole scheme of storage and control of such papers is now in in electronic format and therefore very convenient to use.

Also, when working with securities, many companies open their controlled companies in offshore zones("offshore"). we have already written in our previous issues.

negative moment experts call the high risk of storing these tools. Such an acquisition is done at your own risk. No one gives good guarantees of the success of such an event.

"Bonds" their owners increase capital gradually. Its growth is slow, but it makes it possible to become stable. In the general portfolio of securities, they are most likely acquired for diversification, that is, expanding the range.

They reduce risk and are suitable for those users who can expect a long period of adding initial funds.

"Eurobonds" are issued most often by corporations and the government in foreign currency denominations. The initial rate for their acquisition is 1000 dollars.

Main advantage of this method of investment lies in the cost difference between currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.

Flaw This method is that it is very difficult to choose the right stocks or bonds in your portfolio on your own. You will have to resort to the opinion of professionals and experts.

Only they, understanding the real economic situation of our country, as well as understanding all the nuances of working in this area, are able to advise and choose the most optimal solution for you.

Method number 7. Private lending (P2P lending)

Another method that is now the most widely used. This is a method in which money is provided to the borrower on special terms. It is important to draw up a contract correctly, evaluate everything risks and losses, to study the personal data of the person with whom you have to work.

Your advantage consists of high yield. Provision of credit obligations from one individual allows another for a short time to receive up to 50% per annum. But the disadvantages of this method are also serious.

There is a possibility of non-repayment of borrowed funds. Even a very thorough search for borrowers does not guarantee their honesty.

Method number 8. Buying currency

This method of investment can be carried out both with the help of banks ( banking institutions, branches, etc.), and attracting brokerage companies for trading in foreign exchange Forex market. One of best brokers is " ForexClub".

If a In the first case you just need to provide a document proving your identity, then in the second- a special agreement is signed, which initially may carry additional risks. In one of the articles in our magazine, you can find out what and what you need to pay attention to when.

That is why it is important to choose the right specialists with significant experience in this field of work. The most popular currencies today are: American dollar, Euro, Japanese yen, Swiss frank, and English pound sterling.

Key Benefits This method can be called some points.

Firstly , the increase in profit is achieved in 100% and more, which allows you to increase initial capital enriched daily.

Secondly If you know the dynamics of the growth of the exchange rate, then it becomes possible to protect yourself from inflation. You can independently choose a currency, determine its changes and predict further consequences.

Thirdly , the purchase for you is not limited in time. This process can be scheduled for any period of personal free time.

AND, fourthly By providing constant access to the Internet, you are able to independently control the situation, monitor course changes, and determine the effectiveness of your further actions.

Flaw with these advantages, only one is the unpredictability of the currency. In order to make the right decision, you need to carefully monitor the changes, be able to correctly predict the behavior of quotes and try to bet on various types of funds.

Yes, experts advise to instantly increase your starting capital, make an investment in dollar or Euro.(In the near future we wrote in the last issue, which provides advice and expert opinions).

If it's a priority for you safety of funds despite the difficult political environment, turn your attention to pounds or Swiss frank.

Of course, their purchase is more expensive, but this operation gives stability, because their position is more stable on foreign exchange market.

☝ It has also been growing in popularity lately. We covered them in detail in our last issue.

Method number 9. Investing in art

This is one of the stable ways not only save your funds, but also increase them significantly. To do this, it is important not only to really understand art, but also to attend special events, selecting your future buyers.

This method has both a lot of advantages and disadvantages. As you know, the art market has existed for quite a long time and everyone can become a participant, regardless of gender, age, and even religious prejudices.

The first and significant a plus work with masterpieces is very simple purchase procedure works. There are no special formalities, licensing, special checks. The investor selects a future acquisition from the catalog or by visiting the gallery itself. He is called the price of the canvas he likes according to the established price list.

If necessary, an expert is involved to confirm the authenticity of the work. Such a specialist can be provided both by the organization itself and from the circle of personal preference. The work you like is carried out by a purchase operation and given to the investor in his hands.

By the way, it is believed that investing in such sources becomes most profitable during periods of crisis, wars or extreme situations. This is a kind of capital protection, providing further profit.

But against the background of these advantages, one can distinguish a number of shortcomings . Let's start with the fact that this market has low liquidity. Auctions are held with frequency 1-2 times a year, and the sale itself may take 6 to 18 months .

In addition, the availability of buyers who are able to pay you the required amount is very limited and it is important to convince them of the importance of the acquisition. Many credit institutions refuse to lend to their clients, even if they are trying to secure them with the very objects of art as collateral.

No work can bring its owner an intermediate income, such as renting an apartment or buying shares, but the costs can be significant. The owner needs to ensure not only the correct storage conditions, but also insurance, security, delivery.

In addition, sometimes it happens that the period of price increase is replaced by its stability and waiting for a long time the owner may just make a small profit. Even at well-known auctions and auctions does not exist 100% counterfeit protection. Often, the staff of experts there is very limited and it is not physically possible to check all works of art purely physically.

Many experts advise taking this method of investing capital very seriously. Try to provide for yourself the maximum possible methods of checking works for authenticity, involve those employees who will give a guaranteed result.

It should be understood that only the canvas that has not been put up for sale for a long time and spent it in one collection has a serious chance of increasing its value.

Method number 10. Internet projects

With the development of modern technologies, this direction is becoming more and more popular.

Way to invest money #10. Investing in Internet projects

At its core, it has 2 areas, which may be of interest to both a novice investor and an already experienced specialist.

Firstly, the World Wide Web allows you to create innovative web resources that are regarded as startup. By the way, we wrote in our last article.

Secondly, you can invest in creating your own website, which will become the foundation of your business and begin to bring additional funds on a regular basis.

AND, third, financing those projects that seem most profitable to you.

Let's take a closer look at each direction in order to understand how profitable it can become later.

In the first case you will need come up with an original idea, which will be able to interest the future buyer with its profitability. Having worked it out more carefully, it is important to understand even the smallest details.

Further, specialists are involved who are able to bring the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed according to which this business project is actually carried out and tested.

Your investment is returned back with a return . The amount of profit received on hand depends entirely on the degree of development of the created Internet site and its attractiveness for future owners.

Second case has a more common onset and is beneficial for a number of reasons. You can create your own business on the Internet, even with a small capital.

You save on retail space , warehouses, staff, but you have the opportunity to access a wide range of users and implement at a convenient time.

Investments in this type of activity less risky than creating a business in reality. But the development of such a direction and the multiplication of initial financial sources completely depends on your employment, interest and intentions.

Third way attachments funds through the space of the world wide web is also associated with doing business, only by people who are able to prove the effectiveness of their start. There are many platforms where people post their projects with a specific description of the cost and level of profit.

Investing in websites. An example of selling a site from the Telderi exchange. The lot indicates the average monthly income and expenses and other information for buyers (investors)

They offer you to invest in it, promising a certain share of shares, on which you can later receive income or raise money for their sale. Registration of such obligations takes place by a special type of contract worked out by specialists.

Investing in Internet projects- this is the direction that should be studied very carefully, because it is impossible to predict the result in advance. Of course, there are risks here.

And perhaps disadvantage such a method can be called unpredictability. The experts calculated that 10 offers put forward for consideration only 4 capable of becoming profitable .

Method number 11. Binary Options

This is the fastest way to make a profit on your investment. It is based on two components: risk taking and clear detailed study economic situation.

Method number 11. Investing in binary options

Your task is to provide a correct prediction for the price of the asset being used. For example, it is most convenient for a person to work with stocks. By purchasing an option on them, he is betting that, for example, exactly in a day their value will become much higher than indicated at the moment.

After the specified time, the result is evaluated. In the event that the assumptions are confirmed, the amount of profit will fluctuate from 65-85% . This is a significant increase in invested capital.

But do not forget that you may not guess. Exactly then is lost 80-100% rates. We have already written in detail about options in our issue - “What is it and real beginner reviews”.

At first glance, it may seem that generating income in this way - just a game of chance. Actually it is not. It is worth delving a little into the created system, and you will begin to make predictions more correct, and this, as a result, increases the chances of a favorable outcome of the bet.

Investing in binary options, it is worth considering that they have a mass benefits.

Firstly , those trading instruments that will be offered to you have a wide range and provide the right to a huge choice. So anyone, even a novice contributor, can work both with standard currency pairs, and precious metals, shares of various companies, oil and other assets.

Secondly , your level arrived and possible risk predetermined. In general, you can calculate in advance how much you can get as a result of a positive outcome of the case and what you can lose if the situation is incorrectly resolved.

Some trading platforms offer their consumers to independently set the percentage of the future outcome.

For example, by setting the numbers 80/70 , you lose 80% of the bet without guessing it, or gain 70% of the initial capital.

Thirdly , any interested investor is always provided with easy access at any time of the day. That is, there is no need to download and install additional programs, pass levels of control or somehow confirm their individuality.

It is enough to get to the official website of the trading platform and you can track the results, make new bets, and analyze the situation. In addition, all trading continues every minute, without breaks on weekends, holidays or at night. Thus, your desire to start earning on the money invested can come true at any second, you just need to find free time.

AND, fourthly , the trading interface is designed in such a way that even the most uninitiated beginner will understand on an intuitive level. All intermediate price fluctuations of the instrument you have chosen are removed, giving only the final result for the time you set.

There are 2 main principles here: CALL UP - a deal to buy (profit from rising prices) and PUT DOWN - a deal to sell (income when the price falls). Despite such a number of advantages described, it is worth understanding that binary options, like any other type of capital investment, they can have some disadvantages.

Let's list some of them. So, the only failure you made is capable of taking away up to 90% invested capital. And this is sometimes a very significant amount, and in order to return it back it takes about 3-4 successful transactions.

In addition, it is not allowed here in advance break deals or refuse them. Even if you understand the fallacy of your actions, and the worsening forecast constantly confirms your guesses, then you can only hope for a miracle, waiting for the final result.

Also, the program itself assumes the absence of credit obligations. That is, you can invest only free funds that you have available. On the one hand, this is even good, because, as a rule, a novice investor enters into passion and is able to spend more than he intended from the very beginning.

But, on the other hand, there are some types of transactions or the stability of the economic situation, when a positive result can be predicted in advance, and this can lead to significant earnings.

Only at this moment there is very little money in your account. Working with binary options is capable of not only save invested funds, but also increase them significantly, one has only to correctly understand the situation and study in more detail the scheme of work with each tool.

Method number 12. PAMM accounts

This is another way to manage your finances, which allows you to entrust personal savings to a specialist. In more detail about how to open and choose a PAMM account for investment, we told in one of our articles.

Investment method No. 12. Investing in PAMM - accounts

It is worth immediately understanding what is the difference between a mutual fund ( mutual fund) and PAMM account.

If in the first case the manager has full access to your funds and can dispose of them at his own discretion, without being liable even in case of losses, then the second option assumes only the presence of a deposit, which can only be handled by concerted actions.

PAMM account is intended for trading, making deals, but only in a technological way. Moreover, all funds provided for investment on this account can not only be checked at any time, but also the actions of the manager can be stopped at any time.

Key Benefits money contributions in this way are:

• Opportunity to earn significant profit through the skillful actions of a specialist. As you know, such accounts provide access to the most highly profitable investments.
• Minimum investment threshold. Some of these accounts may start with an amount of 100 dollars and that is why they become not only attractive, but also accessible to a large circle of people.
• Full control . Thanks to the automated system, the account holder can easily and quickly analyze the activities carried out, and all calculations are performed automatically.
• Easy choice of manager. Throughout all the work processes, not only its statistics are published for each PAMM account, but also the history of operations, which makes it possible to easily view the current situation, contact your manager and, if necessary, replace him.
• Portfolio formation. As in the situation with mutual funds, the occurrence of risks is always possible. That is why it is necessary to insure yourself by creating several accounts with different assets.
• Liquidity of operations. At any time, if necessary, you can not only deposit your funds, but also withdraw them. The whole operation takes no more than a day, but gives the owner confidence that there is control and even the most complex transactions can be stopped during their execution.

Method number 13. Invest in yourself

This is another way to invest money. It is considered very beneficial in the sense that even the smallest knowledge gained while attending courses can become a serious platform for a further start.

In general, this type of investment has 3 main directions.

1. Health

Even if it seems in their 18 years, you do not have problems in this area, be sure that they will appear without due attention to you. And how well you take care of him now, depends on your condition in adulthood.

2. Appearance

This is a constant work on yourself. In order to be properly perceived, you need to follow cleanliness of clothes, own fragrances, skin, nails and hair.

Of course, there is no need to constantly visit expensive salons and spend all the money on procedures, but it is also useless to make appointments when the external image looks like a fat, greasy cat.

Try to join the sport in order to have a beautiful figure and a toned stomach, watch your hairdo, and even more so unpainted hair roots, sign up for manicure and pedicure procedures.

Timely monitor the condition of the skin and at least purchase the necessary creams to help fight wrinkles, pay attention to your wardrobe. Try to select for him things of good quality in a strict business style. Don't forget to wash and iron your clothes on time.

3. Knowledge

The fulfillment of the first two main points entails further personal growth. Now it is important to read books of various kinds, drawing something important for yourself.

Make it a habit to read daily at least 50 pages . Sign up for useful courses, trainings, visit presentations (for example, such as - "", etc.) try to communicate with new interesting people.

If you have the opportunity to watch a training video, use it. Schedule a trip to another country or city, choose excursions with which you can study history, various types of architecture.

Believe me, there is nothing educational in visiting a beach or a bar. It's also good to get into museum , theatre , movie Download Ways to Invest in Document.PDF(980 KB)

There you will find many useful information on the topic of investment.

7 principles of investing to make money 📋

We wrote above about where you can invest money with a guarantee, so we also suggest that you familiarize yourself with the principles of investing.

Basic principles of investing money at a high interest rate with a guarantee of income

Principle 1. Long-term perspective

Imagine a situation in which the market, which has become so familiar to you, simply closed and it was decided to resume its activities only after a few years. Where would the money be invested?

Try to think ahead without resorting to daily quotes, the mood of other investors, fluctuations in commodity prices and finished products. So, for example, take the purchase of shares of a well-known company " Coca Cola". Even at the time of its conquest of the market, they cost $40.

The increase in the price of sugar in those years caused the value of the security to fall to its minimum. A rush was created in which they were sold almost for next to nothing, but today we understand how profitable these purchases became then. Agree that this is a great example of where you can invest money to earn. Such a prospect can be offered to you by shares of another company, buying gold , antiques and even apartments .

Principle 2. Careful examination of the financing instrument

Before you give away even a small amount of your hard-earned savings, try to make an in-depth analysis of the chosen method. Talk to those who already work in this field, consider their experience. This principle applies in particular to areas such as mutual funds, work on stock markets , PAMM accounts.

Principle 3. Own opinion

It is not enough to just have information, even if it is collected very carefully, it is important to be able to cut off everything unnecessary and look at the future perspective.

Try not to succumb to the forcing opinion from the outside, develop your character by determining your outcome and the result of investments.

Principle 4. Know how to stop

Sometimes it happens that work in one direction ceases to be profitable, and there can be many reasons for this.

Consider other options, look for more promising investments, learn to close unnecessary pages.

Principle 5. Take your time

Making investment transactions in the modern world, we rely mainly on the help of the Internet. It seems and more efficient and faster. But such a position is initially wrong. It is important to understand in subtleties and nuances, determine the outcome of the case and only then make a decision.

After all, the question of where to invest money at a high percentage with a guarantee requires taking into account all the outcomes of the event (from getting big losses to getting a decent income).

Principle 6. Choose winners

It should be understood that even against the backdrop of a difficult economic situation in the country, there are companies that give good performance and develop very steadily. The task of the investor is to find access to its shares and get them for the success of their business.

Principle 7. Think about tomorrow

This principle of investing lies in the fact that even if you are very lucky today, you should not stop there, withdrawing all the money to buy expensive things.

Continue your work, look for new sources, tools, ways, collect your portfolio. Only this way of action will lead to a stable positive result.

5. Where to invest money to get monthly income - 5 useful tips from experts 💡

Where to invest money in order to receive income every month, we wrote above, so we suggest that you also read the advice of experts who have experience in investing.

Since earning our money, we try to not only save, but also multiply, and in a crisis, lack of stability and a difficult economic situation in the country, there is a feeling of fear, accompanied by a sense of loss.

So, expert advice on where to invest money in order to earn and not lose it:

Expert Tip #1. Try to minimize the risk for part of your investments as much as possible

From the total amount of capital, separate 30% and give yourself a guarantee that they will invested without loss. In this way, experts believe Bank deposit, purchase of art objects, purchase of gold bars, precious metals and real estate.

The main essence of the advice is that with any further arrangement of affairs, you will be able to save the starting amount, and if possible, you will also earn on it.

Expert Tip #2: Create Recurring Passive Income

If this is your principle, pay attention to the purchase of stocks or bonds, and indeed securities.

By the way, even buying your own square meters, which are then rented out, will also allow you to receive a monthly income. You can read more in our article - - ideas and sources of passive income "

Expert Tip #3: Separate How You Invest (Diversify)

It is important to understand that keeping all the money in a single project is very inefficient, diversify your investments. That is why, having ensured stability, try to find a profitable business area or become a co-investor in a business that, in your opinion, will be very profitable.

Expert Tip #4 High Yield Investing

For economical and frugal people, this way of investing capital should become the most extreme, because in fact it is associated with big risks . Your appeal to mutual funds or PAMM accounts, and even more so binary options, will allow you to instantly receive income, and endanger the entire initial capital.

Expert tip #5. Check information

Before you invest your money, you need to carefully and scrupulously study the object of investment. Make sure that the expected return is correct, you may be offered to invest in an object with a questionable return.

6. Where do not invest money so as not to burn out - the main investment mistakes 📛

Despite many warnings and a huge amount of information on the Internet, people who want to invest their own money make a number of mistakes that lead to an undesirable result.

The very first and most important the moment is that newcomers give their finances at random, agreeing with the arguments of acquaintances, relatives and even third-party representatives of the worldwide network. Of course, the probability of receiving income still remains, but it reduced to a minimum.

Second mistake can be called an emotional state. There are frequent cases when, inspired by the example of a friend, a person tries to imitate his behavior, repeating each step of investing, but without a clear calculation and pre-planned prospects, instead of increasing funds, we get them loss .

Another wrong move considered to be in a hurry. People are in a hurry in choosing an investment tool, as well as in the desire to take the first results. As everyone knows, profits don't grow on trees. That is why it must be expected. Give yourself time to understand the subtleties and subjects, learn to act systematically.

Real examples of investing money for profit - ways to invest from 100-500 thousand rubles to 1000,000 to earn

7. Where is it better to invest money to make money - real ways + examples of investing a small amount of money to make a profit 💰

Even the smallest earned capital is already becoming an object of further reflection. It is, as it were, a small door that opens the way for you into the world of big investment.

So, let's consider it profitable, starting with a small amount of 5000 rubles and ending 1 million.

Many people think that minimal risk with good returns are incompatible concepts. But is it really so?

Yes, it is possible, but only if it concerns conservative or moderately aggressive investment in liquid assets, where the safety of investments is guaranteed by the state itself.

Today, there are many investment options where you can invest your money with minimal risk.

Let's consider them in more detail.

Bank deposits

Despite the current situation that has developed around the banking institutions of the country, deposits still remain one of the best and most reliable types of investment.

Recall that recently, due to the difficult economic situation, licenses have been revoked in many regional (small) and even large banks.

At the same time, it is necessary to take into account the fact that this investment option is perfect for those categories of citizens who are ready to deposit at least an amount of interest.

Depending on what goals the investor himself has, the type of deposit is chosen:

• if you want to try yourself in long-term investment - the best option will formalize term deposit for a period of 1 to 3 years, at a high fixed percentage;
• for those citizens who plan to regularly replenish their deposit, it is recommended to issue the type of deposit where there is opportunity to take advantage of interest capitalization. It is worth noting that in this version of the deposit, the interest rates are low, however, due to constant replenishment, you can increase your capital well;
• if investors regularly need cash, it is necessary to choose deposit option with the possibility of early withdrawal. In the end, you can make a deposit with the withdrawal of interest per month (once a month you can withdraw your income).

In the case of deposits, attention should be paid not only to the interest rates themselves with the highest yield and other bonuses that can be offered by bankers, but also to whether deposits in a particular bank are insured or not.

If the deposits are really insured, then their safety is guaranteed by the state and if the bank is liquidated, the deposit is returned to its owner. rightful owner, if there is no insurance - the loss of your capital.

The maximum deposit that is guaranteed to be returned to the owners is 1.4 million rubles. If the size of the deposit, for example, is 2 million rubles, the owner may not receive 600 thousand.

Another important nuance that you should pay attention to is the fact - in what currency should the deposit be? Here it is better to proceed as follows: divide the capital that is being prepared for a deposit into 3 equal parts, put each of them in rubles, dollars and euros. In this case, the investor in any case invests at a high interest rate in the bank.

In the period 2017-18, it is advisable to purchase the yuan, as the World Bank predicts rapid growth for this currency.

Investing in bonds

For those categories of investors who do not perceive the deposit as a source of stable good profit, there is an opportunity to use financial instruments such as bonds.

A bond is a security issued by a country state actors, municipal organizations and by by and large treated like a debt.

The bonds themselves can be purchased with the help of brokers in the same way as: stocks, futures, options.

One bond is equal to 1 thousand rubles. For this reason, you can buy as many bonds as the capital itself allows.

In this investment option, profit is formed from several facts, namely:

• from the very difference between buying a bond and selling it (a bond costs less than face value, and after a few years it can significantly increase in price);
• coupon profit.

It is necessary to take into account the fact that bonds can be redeemed in the period from 1 to 25 years, while foreign - up to 50 years.

Moreover, if you choose coupon income, then it can be fixed or directly tied, for example, to the refinancing rate or to the inflation rate in the country.

Investing in stocks and Eurobonds

To ensure that investing in shares does not bring with it great risks of losing your capital, it is recommended to purchase securities of exclusively advanced organizations operating in the domestic or foreign market x.

Shares that were purchased from large, well-developed companies provide a guaranteed stable income to their owners. At the same time, liquidity allows you to additionally earn on the difference in the price of these shares.

When investing in this area, the best solution would be to purchase such types of shares as:

• so called " blue chips” , which refers to the shares of large domestic organizations that are included in the RTS index or the MICEX;
• so-called “second-tier” stocks, which can bring big profits, but at the same time there is a high probability of becoming bankrupt due to a decrease in their cost;
• shares of the world's largest companies Google, Amazon, Apple and so on. As a rule, the risk of becoming bankrupt here is practically zero, and the profit is more than substantial;
• purchase of Eurobonds. These are shares domestic enterprises, which are issued in foreign currency- dollars, euros, pounds and so on.

In the event that an investor has managed to form for himself a universal portfolio of shares of successful enterprises, he has the right to expect an income ranging from 17 to 20% per year from the amount of investments.

Structured products - what is it?

The final type of conservative financial instruments are structured products or products with excellent protection. At the same time, they differ from steel varieties of investment in the considerable amount of capital that is required for entry - about 100-200 thousand rubles.

What is meant by the term “structured products”? By and large, this is very complex financial portfolio, which includes quite a few tools:

• deposits;
• indices;
• insurance and so on.

More specifically, this product is a ready-made investment strategy, which is tritely acquired by the investor himself.

The release of such products is carried out by banking institutions, brokers themselves, or directly by investment funds.

The main types in this direction are considered to be:

• investment shares;
• indexed deposits;
• trust management agreements;
• bonds, bills, etc.

If we talk about risks, here we can note several varieties of structured products:

• guarantee of return of invested capital in partial volume. An example of this can be a guarantee for a return of 92-95% of the investment amount;
• full return on investment guaranteed. Everything is simple here - in case of any troubles, a 100% return on investment is guaranteed;
• nominal investment guarantee. This terminology implies the virtually complete absence of guarantees for the return of investments.

At the same time, it must be remembered that the only option in which the bankruptcy of the investor may occur is the bankruptcy of the issuer itself.

Investments at high interest with maximum risks

Consider options for investing your capital in projects with maximum profit, but also high risks.

Investing in mutual funds

The essence of share investment funds is simple - the investor transfers his capital to the fund's account, where they are combined with in cash other investors, and then shares of any companies are purchased for the total amount. Dividends received from shares are divided among investors in equal shares.

At the same time, the investor does not perform any operations on his own - this is done by professional managers.

As you can see, each banking institution has its own mutual funds with their own interest rates. At the same time, the risk itself lies in the fact that these investments are not protected by the state.

Investing capital to provide loans in the Webmoney system

WebMoney is payment system that works on the internet. With it, you can make purchases of any goods and services. At the same time, it is possible to issue loans to each private owner of the system.

From the photo you can see that users can install maximum amount a loan that they offer to arrange at home, interest rate and the repayment period.

At the same time, it is necessary to pay attention to the fact that only those users who have passed the identification process can provide loans, including those who can issue them. In simple words, they uploaded their passport data.

Investment option for various MFIs

Surely many people know what an MFI is - it is an analogue of banking institutions that provide loans on loyal terms. Moreover, they provide mostly micro-credits.

If we talk about the benefits of investing in MFIs, these are annual percentage profit, which can reach about 40%.

If we talk about the disadvantages of this type of investment, then today there is such a tendency that approximately 50% of such MFIs are liquidated per year, and therefore there is a high probability that you can go bankrupt.

Investment in Internet sites

Today, there are over a trillion sites on the Internet, most of which bring good profits to their owners.

It is worth noting that each site is someone's project, which has its own individual design and activities.

With the help of modern technologies, even a schoolboy can make up a website today, spending only a few days on it.

At the same time, the main problem of investing in this direction is that many people invest in the unprofitable direction of the site. In addition, there are other disadvantages:

• lack of any guarantees;
• you need to have basic knowledge of website promotion;
• it is necessary to have a clear development strategy.

If we talk about the benefits themselves, it is that you can achieve a profit of 100-200% of the investments themselves, while such income will be monthly.

From the screenshot, you can see that the “Income” column shows how much the site owner earns monthly.

The “Price” column indicates how much you need to pay the owner of the site if someone wants to buy it.

On average, the period from the payback of their investments to making a profit can vary from six months to 3 years.

Investments in social networks

We all use social networks, go to various groups and read funny or useful posts. However, few people know that the administrators of these groups receive income from the ads they place in their groups.

If we talk about the investments themselves, then the cost of the group directly depends on such factors as:

• attendance;
• the number of subscribers;
• user engagement.

From personal experience, we can say that the cost of one subscriber when buying a group varies from 15 to 50 kopecks. At the same time, it is easy to calculate if the group has about 100 thousand subscribers - its cost is 20 thousand rubles.

This price is indicated when buying groups in Odnoklassniki.

In the presence of such a group, you can receive an income, on average up to 5 thousand rubles per month. But at the same time, you need to be prepared for the fact that at any moment, without explanation, the administrators of the social network can block the group, and thus all investments “merge”.

video consultation

One of the most popular videos on the topic. About the universal and most efficient investment even small amounts says Pavel Bagryantsev.

4