Online investment methods with daily payment are the best investment projects. How and where to invest money at interest every day - investment methods with guaranteed profit Where to invest money in order to receive
Hello, dear readers of the SlonoDrom.ru magazine! Almost every one of us sometime thinks about where to invest money so that it works and brings a monthly income.
There are actually a huge number of investment options! Not all of them are effective, and what to hide is often just fraudulent organizations, the only purpose of which is to get money and hide with them forever. I know about it firsthand! 😀
In this same publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice, we will try to objectively figure out where it is more profitable and best of all to invest our money.
You will also learn about where you should not invest your money, so as not to lose it!
And most importantly, I will share with you my life experience , specific examples and useful tips that will allow you to invest money correctly and receive high passive income! 👍
Regardless of what amount of money you are going to invest: small or large - this article will be most useful for you!
Plus you will learn:
- What are the investment options, what is their profitability and which one to choose?
- Where can you profitably invest your money on the Internet?
- How to invest money correctly so as not to burn out?
- And also about where it is better not to invest your money!
Sit back and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded! 😉
1. What is important to know about investments?
First what you need to know before investing your money anywhere is that you only need to invest your own free funds ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.
Nobody gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).
This must always be remembered, because investments can bring both profit and loss!
Secondly, before investing your money somewhere, you need to actually assess what kind of risks and what profitability can be obtained from one or another attachment.
Usually the risk is proportional to the income, i.e. the higher the yield, the higher the risks and vice versa. But this rule does not always work.
But in any case, he who does not take risks does not earn. It is always necessary to take a meaningful risk! 😉
In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:
- profitability,
- risk,
- payback period,
- minimum investment amount.
We will also consider all the pros and cons of each investment option.
Thirdly to reduce risks, it would be logical to diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.
For example, you can distribute like this:
- conservative portfolio (bonds, real estate, precious metals ...) - 50% of all funds;
- moderate portfolio (Mutual funds, stocks, business projects ...) - 30% of all funds;
- aggressive portfolio (foreign exchange market, cryptocurrencies ...) - 20% of all funds.
❗️Important:
You do not need to invest all your money only in instruments with very high profitability, since in this case the risk of losing your money will also be very high!
And many people, on the contrary, strive to get the maximum income, but at the same time completely forget about the risk. And as a result, due to greed, they are left with nothing.
Investing is primarily about risk management! First of all, you need to take care not to lose money. Profit is the second thing.
And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.
Read this article to the end, as at the end of the article you will learn about other important investment rules! 👇
2. Where better to invest in 2020 - TOP 15 profitable investment options
So, let's finally consider the options and decide where you can profitably invest your money so that they bring income!
I will immediately share with you, by my personal example, one rather profitable investment that allows you to receive much more than ordinary bank interest. 😉
Pamm account "Arslanov Fund" and its profitability
Another PAMM account, in which I have invested - "", the largest account in Alpari, it manages more than 155 million rubles!
Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, but nevertheless for 5 years it brings investors "clean" about 60-80% ... Agree very well! 😀
Another plus of Pamm accounts is that the minimum investment amount is practically unlimited here, you can start at least from 3000 rubles.
I am just looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article about it.
However, although in this way it is possible to earn quite significant amounts, nevertheless, one should not forget about the risks. However, invest in PAMM accounts no more than 25-30% from the total amount of your investments (at the same time, distribute the risks among the accounts, do not invest everything in only one account, at least choose 2 accounts).
More details about this type of investment will be described below in the article, so be sure to read it to the end.
And now we will consider separately each of the options where you can invest money.
Option # 1: Bank deposits / savings accounts
DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 4% to 8%.In recent years, deposit rates have been steadily falling down and will likely continue to fall in the future.
How to make money on the growth of stocks - an example of Google
So for 3 years, Google shares have grown by more than 100%!
For these purposes, the so-called "individual investment accounts" (IIS) are suitable, which, for example, can simply be opened in the same one (following this link, you can invest for 1 month without commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.
☝️ In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay taxes on income! Such preferential terms were developed by the state to support and develop investment in the country.
But naturally, there are many nuances to consider when investing in stocks. Risks are always and everywhere - you should not forget about them!
The biggest risk for stocks (for those who bet on their growth) is financial crisis ! The rest of the time, stocks are generally growing steadily and are showing good returns.
In addition, you need to understand that the price of shares is highly dependent on the actions of speculators, rather than on the company's real financial position in the market.
Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:
- RTS (50 largest companies in Russia),
- S & P500 (500 largest US companies),
- NASDAQ (100 US high-tech companies).
If you do not want to personally engage in investing, then there is an option to entrust your money to a professional manager. I already mentioned how I invested in Alpari managers at the beginning of the article! I will definitely tell you more about this direction just below in this article!
You can easily invest in stocks through.
OUTPUT: With proper management, shares can bring good returns, several times higher than the interest rate on bank deposits. But at the same time, they belong to more risky assets.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
15-100% per annum (change in share price + dividends) | depends on the strategy | 1-7 years old | from 5-10 thousand rubles |
(⭐️⭐️⭐️ - medium / high) | (⭐️⭐️ - medium / high) | (⭐️⭐️ - medium) | (⭐️⭐️⭐️ - low) |
➕ Pros and ➖ Cons: | |||
(+ ) With minimal / moderate risks, you can get a relatively high return. | (+ ) High liquidity - at any time, shares can be quickly sold and money can be got in your hands. Low entry threshold. | (- ) Knowledge is required. Uncontrollable risk and "flirting" with the market can lead to significant losses. | (- ) In the event of a crisis, stocks can seriously and in a short time fall in price. |
Option # 4: PAMM accounts, PAMM portfolios, trust management and structured products
DESCRIPTION: But this method is usually suitable for those who have no experience and even time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).That is, in this case, you entrust your money to traders - those who are professionally engaged in trading in the financial markets.
All you need to do is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.
PAMM-account "Moriarti", its profitability for 5 years amounted to 135,464% (click to enlarge)
💡 More than $ 2.5 million , its profitability for 5 years amounted to over 135 thousand percent.
However, it should be borne in mind that despite the fact that in the past the accounts / portfolios showed good returns, in the future there is always a possibility that they will turn out to be unprofitable.
Therefore, I repeat, do not invest all your money in one trader! Distribute funds at least among 2-3 reliable managers that trade profitably for a long time. If the accounts are relatively new (less than 6 months), then separate the initial investment among 5-10 traders.
Constantly monitor the situation and get rid of accounts / portfolios that bring losses for a long period. This is the whole secret of investment!
For more information about what Pamm accounts are and how they work, you can view a free training webinar from professionals in their field:
You can go to the Alpari website and get acquainted with the Pamm accounts.
With a larger initial capital, you can work with large exchange brokers (for example, Finam and BCS), which also provide various trust management strategies.
✅For example, on Finam in trust, you can give from 300 thousand rubles... Their website contains dozens of diverse strategies: conservative, moderate and aggressive.
Of course, both brokers and managers cannot 100% guarantee that you will receive income.
Immediately I want to tell you a few words about the so-called "structured products", because they are also directly related to trust management. Income here, as a rule, is not the same as PAMM accounts can give, but nevertheless, structured products can bring significantly more than bank interest and bonds.
They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).
The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which experts expect to rise or fall in the future.
Investing in such products is usually possible from 3000 dollars(some brokers have a higher minimum threshold) and for a period from 3 months.
I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.
✅BCS offers investment in Gazprom shares with guaranteed returns 10% per annum(even if the price for them falls) and 100% capital protection. In the event that the stock price rises, then you can even get 14% per annum .
Thus, there are only 2 options: you get either 10% or 14%... Consider that there are no risks, except for the actual bankruptcy of the company. But it is extremely unlikely that the number one company in the entire brokerage market in Russia will go bankrupt, like Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.
The investment is designed for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.
OUTPUT: Trust management combines convenience, moderate risks and medium / high returns. Especially suitable for beginners.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 15% to 200% per annum and above | depends on the type of strategy: conservative, moderate, aggressive | 1-8 years old | from 500 rubles |
(⭐️⭐️⭐️ - high / medium) | (⭐️⭐️ - medium / high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
➕ Pros and ➖ Cons: | |||
(+ ) By distributing funds among the most effective managers / strategies, you can get a good average return. Suitable for beginners. | (+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade yourself. | (- ) Relatively high risks compared to bonds and bank deposits. | (- ) It is difficult to predict profitability as there may be unprofitable periods. The managers need to be monitored periodically. |
Option # 5: Bonds
DESCRIPTION: Where do you think the big banks are investing? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.
Along with bank deposits, bonds are considered one of the simplest investment instruments. But unlike bank deposits, the rate on bonds is significantly higher.
For those who do not know, a bond, in a simple way, is an IOU. Only large companies and states can act as borrowers.
☝️ By the way, Sberbank and other banks sell national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyNS .
I agree, not very much, but the rate is certainly better than most of the bank deposits currently available. Moreover, in the future, interest rates on deposits may decrease.
You can also consider bonds of large reliable companies - the rates on them will be higher! For example, for Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the term).
At the same time, you can invest large funds in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.
Also note that there are bonds, the yield on which can be dozens and hundreds of percent ... But such bonds have a low credit rating (for this they are called "junk bonds"). Although they are capable of generating a fairly high income, they are a very risky investment.
Bonds, like shares, can be bought without the need to pay income tax (if you buy them for a period of more than 3 years).
OUTPUT: Bonds are suitable for those looking to earn an average yield with a relatively high guarantee.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 7% to 15% per annum (for risky ones from 30% to 100% and above) | depends on bonds (for government bonds - very low) | 7-12 years old | from 10 thousand rubles |
(⭐️⭐️ - medium / low) | (⭐️ - low) | (⭐️⭐️ - medium / low) | (⭐️⭐️⭐️ - low) |
➕ Pros and ➖ Cons: | |||
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income. | (+ | (- ) Relatively low yield compared to stocks and some other assets. | (- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less credibility it has. |
Option number 6: Forex
DESCRIPTION: Forex is essentially a foreign exchange market where you can buy / sell a particular currency.
This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).
Example!
For example, you bought 10,000 dollars at the rate of 57 rubles / dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.As a result, after the exchange, you received 600,000 rubles, and the income, respectively, was 30,000 rubles(of which the broker's commission is about 600-800 rubles).
You can trade on Forex either yourself or give money to the management of professional traders (this will be described in detail in the next section of the article).
When trading currency on your own, it is very important to have trading experience and s knowledge of the foreign exchange market ... Climbing into the foreign exchange market just like that, in the hope of easy money is not worth it (and when I did exactly that), as this usually leads to serious losses.
It is important to note that in personal trading, you need to follow a proven trading strategy, otherwise the trade is likely to turn into a casino and lead to a sad result known in advance.
But on the other hand, if you observe risk (money management), manage emotions and trade solely by strategy, then you can really make good money on Forex. But this needs to be learned!
Although you can start at Forex with minimum amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% in a month (which is very good), the profit will not be so big.
As for me, one of the most effective trading strategies for day bars is Price Action. Many articles have been written about her on the Internet - read it to anyone interested!
Among reliable brokers, you can choose, for example, Alpari or RoboForex.
OUTPUT: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can get high returns. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below! 👇
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 15% to 100% per annum and above | depends on the strategy (initially has a high risk) | 1-7 years old | from 100 rubles |
(⭐️⭐️⭐️ - high / medium) | (⭐️⭐️⭐️ - high / medium) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
➕ Pros and ➖ Cons: | |||
(+ ) With an effective strategy, you can get high returns. | (+ ) Low entry threshold and availability. | (- ) High risks, especially for beginners. It is possible to lose significant money in a short time if the risk is not managed. 99% of newbies lose their money. | (- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period. |
Option number 7: Own / partner business
DESCRIPTION:
And this, in my opinion, is one of the most profitable ways of investing, which can bring you more than one hundred or even a thousand percent of income!
Of course, in most cases, a business requires a personal presence. But on the other hand, a business can be automated, or you can simply invest money in someone else's business at the stage of development.
Alternatively, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).
Moreover, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with practically no investment or with minimal investment, so money is not the most important thing here, the main thing is desire and aspiration! 😀
I myself have started a successful business from scratch several times! By the way, if we turn to statistics, then among millionaires about 70-80% Are entrepreneurs who started a business from scratch!
✅ Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!As Confucius said:
« Choose a job you like and you won't have to work a single day in your life!«
And how to find your favorite job / life's work - read.
If you do not yet have a stable source of income, then first of all think about creating a business, even a small one at first. The main thing in this business is not to be afraid. take the first step!
Think you have always wanted to open your own body shop, hairdresser, sporting goods store or handicraft store?
Here are some more helpful tips:
- Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
- Choose niches with minimal competition - they are easier to start there.
- If you have little start-up capital, it might be worth trying a service business.
I will also give you several options from my experience of how you can start a business with minimal investment, I think it will be interesting for you! 👇
Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this! 🙂By the way, goods from China are now very popular, where the mark-up can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page).
Another area where large investments are not required and it is not so difficult to start is the wholesale business via the Internet.
Moreover, both in the case of wholesale and retail sales, the goods do not need to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).
In short, the essence of dropshipping is that you work with a supplier who ships the product directly to the customer. He sells his goods and from this he has income, and you get your markup on the sale.
Read more about how to organize - read in a separate article!
OUTPUT: The business is able to bring very high profitability with minimal investment. In addition, a business can be turned into a favorite thing, which is interesting and you want to do it!
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 30% to 1000% per annum and above | Initially high risk | from several months to 1-5 years | from 10,000 rubles (you can even start from scratch) |
(⭐️⭐️⭐️ - high / medium) | (⭐️⭐️ - medium / high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low / medium) |
➕ Pros and ➖ Cons: | |||
(+ ) One of the highest returns among all investment instruments. | (+ ) It is easier for business to find partners and / or co-investors. You can start without big investments, the main thing in business is the idea! | (- ) High initial risks. 7-8 out of 10 start-up businesses are closed within 2-3 years. Low liquidity - it is difficult to sell a business quickly. | (- ) You need to understand the business and understand how it works, even if you are investing in "someone else's" business. You constantly need to learn. |
Option number 8: Mutual investment funds
DESCRIPTION: Mutual funds can also be attributed to trust management, which we have already talked about a little.
Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).
Absolutely any person can become a depositor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, the shareholders receive a profit or loss.
It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.
Mutual funds usually give low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds over 11 months:
Profitability of mutual funds for 11 months
However, mutual funds do not give a guaranteed profit, unlike bonds and deposits - there are also often unprofitable periods.
But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.
The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example, Sberbank.
If this type of investment is suitable for you, then it makes sense to choose not one unit investment fund, but several in order to distribute possible risks.
And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With such a simple action, you will protect yourself from unreliable and fraudulent organizations.
OUTPUT: Mutual funds can be considered as an alternative to brokers who also invest mainly in the stock market. In the absence of a crisis, they usually also bring good returns.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 12% to 30% per annum | moderate | 3-10 years | from 1,000 rubles |
(⭐️⭐️ - medium) | (⭐️⭐️ - medium) | (⭐️⭐️ - medium) | (⭐️⭐️⭐️ - low) |
➕ Pros and ➖ Cons: | |||
(+ ) The average yield exceeds the interest rates on bonds and deposits. | (+ ) Low entry threshold, as well as control over the activities of mutual funds by the state. | (- ) There is no guarantee that you will receive income. There is an additional "commission" (surcharge) for the purchase / sale of shares. | (- ) You will have to pay 13% income tax - many other investments have preferential tax conditions. |
Option number 9: Microfinance organizations (MFOs)
DESCRIPTION:
Another type of investment is investing in an MFI. The return on such investments on average ranges from 12% to 30% per annum.
The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).
The longer the investment period, the higher the interest rate. The minimum term in an MFI is usually 3 months.
It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.
If you nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.
⭐️ Good advice!
Look primarily at the “age” of the MFI, not the interest rate that you are promised.After all, it is better to invest in a reliable organization at a slightly lower interest rate than in a newly emerging MFI with a high interest rate.
Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFO.
If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and safer to invest in real estate than in an MFO! 😀
And besides, I myself do not take loans / loans (especially consumer loans) and I do not advise others! 😉
OUTPUT: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But at the same time, there are corresponding risks. And the entrance threshold is rather big, to put it mildly.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 10% to 30% per annum | moderate | 3-9 years old | from 1 million rubles |
(⭐️⭐️ - medium) | (⭐️⭐️ - medium) | (⭐️⭐️ - medium / low) | (⭐️ - high) |
➕ Pros and ➖ Cons: | |||
(+ ) High rate relative to bank deposits. | (+ ) Income passivity. Minimal participation on your part. | (- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles. | (- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. Fraud is present. |
Option number 10: Precious metals
DESCRIPTION: Another well-known type of investment is investments in precious metals, in particular in gold. Moreover, such investments are highly reliable!
It is especially important to invest in gold and other precious metals during a crisis, since this is where money from the stock market migrates.
Gold coins / gold bars can be purchased both in almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).
Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.
Gold Prices - Chart
❗️ Over the past 5 years, gold in rubles has grown from 1600 rubles per gram to 2400 rubles / gram.
The total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and then such a yield was obtained thanks to serious devaluation of the ruble.
However, if you look at the dynamics of gold against the dollar, you can see that gold after 2012 has dropped significantly in price and is currently in a sideways trend.
OUTPUT: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to preserve them.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 3% to 15% per annum (during a crisis, the yield is higher) | Minimum | 7-20 years old | from 1000 rubles |
(⭐️ - low) | (⭐️ - low) | (⭐️ - low) | (⭐️⭐️⭐️ - low) |
➕ Pros and ➖ Cons: | |||
(+ ) High investment reliability. There are practically no risks of gold depreciation. Easy to buy / sell at any time. | (+ ) Precious metals (especially gold) are a "safe haven". Investing in them is suitable for saving funds in times of crisis. | (- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years. | (- ) Relatively high commissions of banks / brokers when buying / selling precious metals, incl. gold. |
Option number 11: Cryptocurrencies (bitcoin)
DESCRIPTION:
Over the past, Bitcoin has grown more than once and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.
Of course, the best time to invest was a few years ago, when Bitcoin was worth about 150-200 dollars.
Some experts claim that in the future, Bitcoin may cost hundreds of thousands of dollars and even possibly reach $ 1 million.
Others argue that Bitcoin will crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably grow in price.
Moreover, while cryptocurrencies are showing a steady growing trend.
But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.
For example, Bitcoin in just a day can rise or fall by 10-25% - this is quite common here. And in a year you can increase your investments 3-10 times, or lose almost everything!
OUTPUT: On the one hand, cryptocurrencies are too risky a tool, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - it is definitely not worth investing all your money in them!
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 20% to 1,000% per annum | elevated | from 3 months to 1-5 years | from 100 rubles |
(⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very low) |
➕ Pros and ➖ Cons: | |||
(+ ) In case of growth of cryptocurrencies, it is possible to multiply the invested funds in a short time. | (+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency. | (- ) Very high volatility of cryptocurrencies, in a matter of days they can both rise in price and seriously collapse. Low predictability. | (- ) Cryptocurrencies are not backed by anything, as this is another bubble. Complete lack of guarantees - in case of loss of money, no one will return them. |
Option number 12: Internet projects (online business)
DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to make money in this global network.
It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.
At the moment, the following directions are popular:
1. Sites. Information sites are created and filled with unique content.
With minimal investment, it is possible to get high profitability through advertising. Usually, the site starts to bring the first income in 4-6 months.
WITH 1000 visitors per day, depending on the topic, you can earn about 200-3000 rubles in a day. The spread is very large, since what kind of income you receive depends on the topic of the site.
Earning money on sites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.
But still, in the beginning, you will need to grasp the essence and understand the key details of such a business.
2. Social publics. Surely almost every one of us is subscribed to some community on social networks (VKontakte, Facebook, classmates ...).
In the meantime, the owners of such public pages also earn mainly from the publication of advertising posts. In pubs with millions of subscribers, the cost of one ad post can be worth 2-7 thousand rubles .
Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right topic for a public, post high-quality and interesting content and develop a public, then you won't have to wait long for success!
3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.
For example, if a person who follows your affiliate link opens a current account in a specific bank, then you can earn 2-3 thousand rubles
If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go precisely to advertising.
But in this case, experience plays the main role, without it you can nowhere!
4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers ...
For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.
For example, if you need to transfer money from Yandex wallet to Qiwi wallet, then the easiest way to do this is using exchangers. By the way, with the help of exchangers, you can also purchase bitcoins.
Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a pretty decent income is obtained.
5. Apps for iOS / Android. Since relatively recently, Android and iOS applications have become very popular - this is a large segment of the market where a lot of money is spinning.
Therefore, if you have an interesting idea that will be in great demand, then it might be worth trying to create your own application.
❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent partner commissions from airlines.
Even if you don't understand anything about how to create applications, they can be done for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.
Here, as elsewhere, it is the idea that plays a key role - the success or failure of the application depends on it.
6. HYIPs. HYIPs - in reality, are a financial pyramid that lives off the funds invested in it.
Such HYIPs offer very high percentages ( 1-5% daily) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.
There are HYIPs that “live” for several months or even for several years, but the profitability on them, respectively, is several times / tens of times lower.
In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of depositors mainly earn money - who managed to withdraw money with a profit until the HYIP turned into a "scam" (stopped paying money).
And yet, I strongly advise you not to invest in HYIPs, especially if you do not particularly understand this.
OUTPUT: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 30% to 500% per annum | moderate | from 3 months to 2-4 years | from 500 rubles |
(⭐️⭐️⭐️ - high) | (⭐️⭐️ - medium / high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
➕ Pros and ➖ Cons: | |||
(+ ) High profitability. The investment can pay off very quickly. | (+ ) Some projects can be started with minimal investment or even from scratch, investing only your own time and effort. | (- ) There is a risk that the project will not work and will not pay for itself. | (- ) Knowledge is required. You yourself need to be well versed in the key nuances of an Internet business. |
Option # 13: Venture funds / investments
DESCRIPTION:
Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.
The essence of venture funds is that they invest money exclusively in projects that are at the stage of development (startup) or even at the stage of idea.
A distinctive feature of venture capital investments is a very, very high profitability, they can bring thousands of percent!
But on the other hand, only 1-2 out of 10 projects shoot out and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.
☝️ A real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.In 2 years, Apple shares have risen by about 5000 times! So if you were investing in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .
There are basically several ways to invest in start-up projects:
- crowdinvesting and crowdlanding platforms (suitable for beginners);
- venture funds;
- investor clubs.
OUTPUT: Yet venture capital investment is underdeveloped in Russia. And often a large start-up capital is required, and scammers are often found among crowdinvesting platforms (where the entry threshold is not high). Meanwhile, venture investments can bring very high returns!
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 40% to 3000% per annum | elevated | from several months to 1-3 years | from 10,000 - 100,000 rubles (to venture funds - from 500,000 dollars) |
(⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️ - high / medium) |
➕ Pros and ➖ Cons: | |||
(+ ) If successful, you can get the highest yield possible. | (+ ) Large funds are not always required to invest at the start of a project. | (- ) Very high risks, most start-up projects turn out to be unprofitable. | (- ) Fraud is widespread - investment sites may turn out to be financial pyramids. |
Option number 14: Objects of art
DESCRIPTION:
Another unusual way to invest your money is to invest in art. This is a fairly narrow and specialized market, but it can still generate good returns.
It's no secret that certain works of art can cost hundreds or even millions of dollars. And if you really understand art, then on investments you can earn hundreds of percent of the profit.
❗️ The only important feature is that such investments often require large investments ... And besides, in order to get a good return, you need to invest for a long period ( decades ).
Like investments in precious metals, investments in art objects are not subject to inflation and will only cost even more over time.
And the crisis has practically no effect on the value of art objects.
OUTPUT: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
from 20% to 100% per annum and above | minimum | usually 1 to 3-5 years old | from 100,000 rubles and more |
(⭐️⭐️ - medium / high) | (⭐️ - low) | (⭐️⭐️ - medium) | (⭐️⭐️ - high / medium) |
➕ Pros and ➖ Cons: | |||
(+ ) You can get relatively high returns with minimal risks. | (+ ) High reliability. Over time, art objects only grow in value. | (- ) Often, investment in art requires a large initial capital and involves a long-term investment. | (- ) You need to be a specialist, have specific knowledge and experience. |
Option number 15: Knowledge and own development
DESCRIPTION:
As incredible as it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience ...).
You need to understand that first of all it is knowledge / experience, and not money allows you to earn and increase your own.
I think more than once you have heard stories that most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).
In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow! 🙂
If you have free funds, then it all the more makes sense to invest some of them in your development: attend trainings, webinars and seminars.
One of the most important differences between investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.
For example, an experiment was conducted in the United States: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after a couple of months he managed to earn tens of thousands of dollars from scratch.
OUTPUT: Therefore, if you do not yet know where to invest your money, then the safest option is to invest it in yourself (at least some of it). And do not forget that even a bad experience is also an extremely valuable experience! 👍
Profitability: | Risk: | Payback: | Minimum investment: |
---|---|---|---|
endless | minimum | from several weeks / months | from 0 rubles |
(⭐️⭐️⭐️ - very high) | (⭐️ - very low) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
➕ Pros and ➖ Cons: | |||
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience. | (+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money. | (- ) For many, it is difficult at the first stage to motivate themselves to study. | (- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience. |
3. Golden rules of correct investing - TOP-5 tips
And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!
First, as I said at the beginning of the article, is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.
Instead of investing everything in one instrument, divide the amount equally into several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.
If you have very little money, then consider starting your own business.
Second- try to invest most of the funds (40-60%) in assets with the lowest risk, the best choice between profitability and risk, as for me, is real estate.
And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then you should not meddle yourself and invest all your money in high-risk instruments: Forex, stocks, bitcoins ... hoping that you will quickly multiply them is by no means worth it.
Believe me, this is a tried and tested way, on which a huge number of people have lost fortunes!
It will allow you to get through bad times and find other sources of income.
Fourth- create passive income so that you can receive money even when you are not working.
Fifth- before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.
It will also be great if you learn to give 10% of your profits to charity.
✔️As Socrates said:
There is only one good - knowledge and only one evil - ignorance.
4. Where to invest money to make money - specific examples
In this section of the article, I will tell you where, according to my experience, I would have invested money, having available this or that amount of investment!
I will not consider very risky investment options in these examples. Consider only conservative and moderate risk investments.
- Where to invest 100,000 - 200,000 rubles?
100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.
Alternatively, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.
If the risk allows, you can try to invest in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.
- Where to invest 300,000 - 500,000 rubles?
It is also a relatively small amount in terms of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.
If there is an option within this amount to purchase real estate during the construction phase, you can invest in it.
- Where to invest a million rubles?
Having 1,000,000 rubles in hand, you can already try to invest in almost any of the instruments described in this article.
For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of the foundation pit.
Or as an option:
- You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them into trust, PAMM accounts / portfolios, or invest in mutual funds.
- But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
- I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it becomes more expensive in the next couple of years.
- For the remaining amount, you can try to open a business (including on the Internet).
5. Where is it better not to invest in order not to burn out - important tips on how to avoid fraud
At the end of the article, let's talk about no less important: how not to lose your money and how not to get caught by scammers.
The world is full of people who invent various schemes to take money through fraud. Especially nowadays, fraud is thriving on the Internet (and not only!).
Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with a nose.
Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, quick payments, very favorable conditions, etc. - all if only people have invested their money.
💡Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from the greed of other people!Money does not come out of nowhere, if someone receives money, then surely someone will part with it!
The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, any plausible story can be created that the project really functions (provides any services), but in fact the organizers of this project only make money on the investments of gullible people.
Sometimes the "history" of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.
HYIPs(which we talked about earlier), in fact, are also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to make money on them, but experience is required). Also, here you can add various casinos and other methods that promise "easy" money.
Another controversial investment tool is sports betting... It is realistic to make money on them in the long term, but only the organizers of the bets and 5-10% of the participants (those who are in the subject) do it, and the rest only constantly lose money.
I will also highlight another type of common fraud on the Internet - this is the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw your money away (tested on your own skin 😀).
Thus, you need to invest in what you are good at! Otherwise, those who are well versed in what you do not know will profit from you! This is my sad experience.😞
If you are not yet particularly versed in this or that investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! This will be your most profitable investment!
6. Conclusion
Well, you have learned about all the most popular and profitable ways of investing money.
Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!
I hope my experience for some of you turned out to be at least a little valuable and you have already decided on where to invest your money! 😀
I emphasize once again that, in my experience, the most profitable investments are investments own business / business and knowledge !
❓❓❓
Where do you think it is better to invest your money? Feel free to share your opinion in the comments!
Thank you for reading the article to the end! I wish you a successful and profitable investment! 👍💵👍
P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!
At all times, enterprising people who know how to invest money at a high interest rate could give up hired labor, realize their own aspirations and dreams, become freer and happier. There are thousands and even millions of similar examples:
Warren Buffett (82.5 billion USD);
Ray Dalio (17.4 billion USD);
George Soros (8 billion USD);
· Donald Trump (3.1 billion USD) and many other well-known investors today.
And these are only public figures, and how many less striking examples there are around the world. It is not at all necessary to strive for super-large amounts and take risks, why not just earn at least an extra monthly interest on your savings in the next year. We were inspired by an article about investments on the InvestingNotes.trade portal where to invest money at interest, and get tangible income, which, over time, can turn life around. We'll look at good options too. Investment types
Let's start by defining the general directions of how and where to invest money at interest. Less risky and standard options are available today:
· Bank deposits - the simplest and most affordable way for everyone, but also less profitable than any other (4-7% per year at rates of recent years);
· Mutual fund - another common option, promoted by large banks, can bring both a loss and a profit (10-50% per year, depending on the chosen fund);
· Real estate is a popular, but expensive way to invest money at a good percentage, which needs a special approach (10-15% per year, depending on the category of real estate and the value of the object);
· Dividend stocks are a rather profitable and low-risk way to participate in exchange trading (10-50% per year, depending on strategy and skills);
· Bonds - a reliable way to get coupon income, especially when buying government securities (approximate profit of 10-20% per year);
· PAMM - an innovative direction in trust capital management on Forex and an option of how to invest money at a high interest rate (income is not limited, as well as risks);
P2P lending is a profitable option, but it has a number of nuances and requires considerable experience in selecting a borrower (income is around 50% per year and above);
· Investments in MFOs are investments in companies issuing microloans and audited by the Bank of Russia (profit is about 10-20% per year with low risk);
Let's consider each direction in more detail in order to understand at what interest rates you can invest your money.
Bank deposit
Do not assume that deposits are the lot of newcomers to investing. Investments in deposits are used even by experienced investors with large capital (50% of the portfolio), since they reduce the risk in the portfolio. Contributions differ:
· The maximum level of reliability - the rate will not change in the event of economic upheavals;
· Minimal risk, since the money is insured by the state and backed by the authority of the bank;
· Accessibility - any citizen of the Russian Federation can open a deposit, and calculate future profit using a calculator;
· Ease of use - no need to study economic factors or market nuances, it is enough to invest money in a bank at interest and receive a fixed income.
Thus, with practically no risk (provided that the money is in a reliable bank), the investor will not only save his own funds, but also increase them.
Important note: There is a common misconception that the contribution only covers inflation, but this is fundamentally wrong. If you pay attention to the amount of inflation, then in 2017 it was only 2.5%, and the rates on deposits were in the region of 7-8%. It turns out that in 2017-2018, the deposit really allows you not only to save, but also to earn. As a rule, the state tries to keep the refinancing rate higher than inflation, although not in all years it succeeds.
Inflation rate graph for the last 10 years in Russia.
Refinancing rate chart of the Central Bank of the Russian Federation.
What is required to invest money at interest with a guarantee on a bank deposit:
· Amount from 1000 rubles;
· An open account in any convenient bank.
As for deposit insurance, today the maximum amount of compensation is 1,400,000 rubles. By investing in one bank the amount not exceeding the above, the investor can be sure that the money will not be lost, even if the bank's license is revoked. In other banks, the amounts are insured independently, so you can distribute a large amount across several credit institutions.
The only question remains as to which bank is better to invest money at interest. It is necessary to take into account a number of factors at once: credit rating, rate size, capitalization, etc. For convenience, we present a comparative table for several banks widely represented in different regions and sorted in descending order of the size of the rate.
Name of the bank | Interest rate (%) | Term for the specified rate (days) | The product's name | |
Sovcombank | Maximum income with Halva | ruA (moderately high level of creditworthiness) |
||
East Bank | Eastern (tariff zone 1) | ACRA - B + low level of creditworthiness |
||
Renaissance Credit | Renaissance Lucrative | ACRA - BBB - moderate level of creditworthiness |
||
Home Credit Bank | Profitable year | ruBBB + (moderate level of creditworthiness) |
||
Tinkoff Bank | Smart Deposit (increased rate) | ACRA - A moderately high level of creditworthiness |
||
Absolut Bank | Absolute maximum + | |||
Promsvyaz Bank | Profitable | ruBBB- (moderate level of creditworthiness) |
||
Easy income | ||||
Post Bank | Your (online) | Not assigned |
||
Accumulative (everything is under control) online | Not assigned |
|||
Uralsib Bank | Income (online) | Not assigned |
||
Bank Russia | Investment | |||
Russian standard | Maximum income | Not assigned |
||
Ak Bars Bank | Just accumulate | ruA- (moderately high level of creditworthiness) |
||
Gazprombank | Saving | ruAA + (high level of creditworthiness) |
||
Alfa Bank | Win + (Maximum +) | ruAA (high level of creditworthiness) |
||
Rosselkhoz Bank | Profitable (online,% at the end of the term) | ACRA - AA high level of creditworthiness |
||
Profitable (online) | ruAAA (maximum level of creditworthiness) |
The above table will help you to profitably invest in a bank at interest and is relevant at the time of publication of the material. For the sake of conclusion, it should be noted that banks with an unrated rating, as a rule, have very low creditworthiness indicators and are at risk in the event of undesirable economic events. It is worth choosing an organization with a moderate level of creditworthiness or higher.
Important: many insist on capitalizing the interest on the deposit, thinking that this brings significant benefits. In reality, capitalization gives a very small advantage for 1-3 years, for example, in Sberbank if the deposit rate is 4.35% per annum, then with capitalization in 3 years it will be only 4.64%. Such a benefit in the amount of tenths of a percent does not really matter when in different organizations you can invest money with a difference of 1-2 percent.
An example of calculating profit from a bank deposit:
· We open a deposit in Tinkoff Bank - the product “Smart Deposit (increased rate)” at 7.21% per 100,000 rubles;
· Term - 334 days;
· Profit - 6 595 rubles.
As a result, a bank deposit is a reliable tool for preserving capital and increasing it, as we have seen from the dynamics of inflation. In addition, deposits are a very simple and affordable option for investing money that anyone can master. To choose which bank to invest with interest, you should take into account many factors (interest rate, credit rating, term of the deposit, etc.).
Mutual fund
The next area of investment is also largely associated with banks, but with more profitable financial products - with Mutual Investment Funds (UIF). They are collective investment management organizations.
The scheme is simple: you invest in a fund that buys shares and other assets with all its capital. The fund's profit is growing, as is the value of the share. After 1-3 years, the share may rise in price by 50-70%, and this is not the limit. At any time, you can sell your share and make a profit minus a small commission in favor of managers, as a rule, it will be 1-2%.
What are the benefits of mutual funds:
· Low entry threshold - you can invest from 1 thousand rubles;
· Wide diversification - for 1 thousand rubles the investor will receive a share in the full portfolio, which is protected from risks (having opened an account with a broker for a thousand, he would not have been able to buy any asset, especially several);
· Professional management - no need to follow the market, learn exchange trading, specially trained people will do all the work for you;
· Relatively high interest rates - mutual funds allow you to make a profit of over 30-40% per year if the economy grows.
The only drawback of a mutual fund is that in times of crisis, shares can become cheaper, as a result, you will have to wait until the price recovers and makes a profit. This is not a problem if the investment period is 3 years or more.
An example of the profitability of a mutual fund is Alfa-Capital Technologies. A very interesting fund from Alfa-Bank, which has existed for over 10 years. Nuances:
· Sale price - 3387.68 rubles per share;
· Profit - 39.09% or 39,090 rubles.
The graph of the change in the value of the share of Alfa-Capital Technologies.
What is required to invest in a mutual fund:
· Amount from 1000 rubles;
· An open account in a bank or organization where there is a similar service.
Important: in general, it is more convenient to invest in mutual funds in banks, since there will be no extra commissions when transferring funds to the desired account, money can be withdrawn in cash. Nevertheless, there are very lucrative offers in third-party management companies.
For convenience, consider a comparative table of several mutual funds in various management companies.
Name of unit investment fund | Total growth over 5 years in% (2013-2018) | Approximate annual return in% |
April Capital - Shares of commodity companies | ||
April Capital - Shares | ||
Agidel - promotions | ||
URALSIB Growth shares | ||
Arsagera - stock fund | ||
Alpha Capital Technologies | ||
April Capital - Second Tier Shares | ||
Raiffeisen - Raw materials sector | ||
Raiffeisen - USA | ||
VTB - Metallurgy Fund | ||
Leader - Promotions | ||
OLMA - USA | ||
Sberbank - Global Internet | ||
Solid - Globe | ||
VTB - Fund for State-Owned Enterprises |
The above table is focused primarily on the performance of the fund. When choosing, it is desirable to include additional evaluation criteria, such as: reliability, ease of transfer to the account, etc. As already mentioned, it is easiest to work with a bank where you have an account, for example, in Sberbank, VTB, Alfa-Bank and other organizations. You can invest in mutual funds directly online from your personal account.
The instability of mutual funds can be clearly seen during the 2008 crisis. This is what happened with the above-mentioned Alfa-Capital Technologies fund.
As you can see, those who bought shares at the beginning of 2008 were in significant losses by almost 70-80%. In this situation, the most important thing is not to sell shares, but to wait patiently. Already in 2010, the value of the share recovered and continued to grow. For this reason, the optimal investment period in mutual funds is from 3 years or more. A similar situation happened with all investment funds, regardless of the company.
As a result, a mutual fund is a rather attractive option for investment, where you can get significantly more than on a bank deposit. Nevertheless, mutual funds also have some instability, which is associated with the crisis in the economy. This does not mean that the mutual fund is becoming a high-risk investment; rather, the crisis years will require a little more time from the investor in order to gain profit as a result of investments.
Real estate (rent)
The third popular investment option is real estate that can be rented out. Real estate speculation (resale) is another area that brings benefits, but not a stable percentage, in the current section we will focus exclusively on the lease of an object and the potential income from such activities.
A few nuances:
· It is quite simple to buy a dwelling (apartment) and rent it out to a tenant - this method is best suited for those who do not have experience and large investments;
· A more profitable and difficult option is to buy commercial real estate - in this case, hundreds of factors must be taken into account (potential circle of tenants, profitability of the premises, average daily number of people visiting the building or the area next to it, etc.).
What are the benefits of renting out real estate:
· Monthly interest and stable income, subject to long-term agreements with the tenant;
· The increase in the value of the object over time due to the inevitable growth of the real estate market;
· There is no need to register a business and pay insurance premiums.
The graph of price growth in the real estate market. Small falls are observed only in crisis years. In other cases, every year the object rises in price by 5-10% and even more.
Disadvantages:
· High threshold of entry - significant investments are required to purchase an object;
· The complexity of finding a tenant and periods of downtime.
Important: taking out real estate in a mortgage is not always a good option, since it imposes a lot of obligations on the investor and significantly reduces the return on investment. In theory, this scheme works if you buy an object for the future, so that tenants actually pay the mortgage for the owner.
An example of real estate investments in the regions:
1. purchase of an object (1-room apartment) in Yekaterinburg for 2,200,000 rubles;
2. renting out housing for 15,000 rubles a month (average price on the market), payments for housing and communal services on the tenant;
3. Approximate income for the year - 180,000 rubles, or 8.1% + growth in real estate prices 5-10%.
Thus, to invest in real estate you will need:
· Availability of capital in the amount of 2-3 million rubles (plus or minus depending on the region);
· Buying a good apartment or commercial real estate with the necessary repairs and other conditions necessary for renting;
· Search for a tenant.
As a result, real estate investment is a stable direction for earning a monthly percentage of rent. At the same time, buying an apartment and renting it out does not require any special skills. If you buy commercial real estate, the profit will be higher, but so will the potential risk, because you need to take into account various factors regarding the business prospects of the property.
Dividend shares
Buying shares has long been considered a profitable investment option at interest. However, a speculative approach to the stock market carries many risks of price declines and losses. Investing in order to receive dividends from the company has become a good alternative.
Reminder: A share is a security that gives the investor the right to a share in a company, as well as to receive dividends. The purchase and sale of securities is carried out only from brokers licensed by the Central Bank of the Russian Federation, otherwise, carrying out transactions through dealing centers, the investor will not have the right to receive dividend payments.You can find encyclopedic (practical) articles on investing in stocks on Equity.today if you want to invest in stocks and other securities.
Several features:
· Buying shares requires special skills in using an electronic terminal (it should be mastered in advance on a virtual account);
· Income from dividends is not always large, reliable companies offer an average of 3-5%, and new organizations make a rate slightly higher around 10%;
· It is not necessary to buy dividend shares for the whole year, it is enough to buy the paper before the list (register) of holders to receive dividends is closed;
· After receiving dividends, you can wait for a favorable price and sell the paper.
In general, an experienced dividend investor can make a profit in the region of 30-40% per year if you buy shares only to receive dividends, and then sell them when a favorable price is reached. Holding the shares for a longer period may result in lower gains and a higher risk of a general decline in prices.
An example of investing in dividend stocks. Sistema's shares in 2017 had good potential. It was enough to buy securities before 11.07.2017 in order to receive dividends at 0.81 rubles per share.
Price chart for AFK Sistema ordinary shares. On July 11, 2017, the security was in the range of 12.50-12.52.
Let's calculate the profit from the transaction with AFK Sistema:
· Bought shares at 12.5 per 100,000 rubles = approximately 8,000 shares;
· Received dividends at 0.81 per share = 6,480 rubles, or about 6.5% in a couple of days;
Sold shares on 09/05/2017 after 2 months at 13.0 = additional profit of 4000 rubles;
· Total profit - 10,480 rubles or 10.5% for two months.
Note: do not forget that profit tax of 13% will also be deducted from the profit received. Therefore, with 10.5%, the investor will actually receive 9.1% of the profit.
A year later, Sistema's shares are already worth 10 rubles each, we would simply be at a loss, and even fell to almost 8 rubles.
What you need to buy shares:
· A deposit with a broker, preferably from 10,000 rubles, some have restrictions that you can start trading only from 30,000 rubles, etc., so you need to check the information about the minimum deposit in advance;
· Possession of a terminal for carrying out transactions with shares;
· Understanding the stock market, tracking the calendar of dividends on shares;
· Timely closing of the transaction with a profit.
Important: one way or another, stocks are a rather risky asset. There is always a chance that after receiving dividends, the price will not roll back to its previous level in order to close the deal with a good profit. As a result, you will have to wait much longer. Therefore, it is necessary to limit in advance the potential risk per transaction in an amount that does not exceed the planned profit by 2 times, for example, in the case of AFK Sistema, the risk was limited at around 10 rubles per share.
As a result, buying dividend stocks is an interesting investment, but it also carries a lot of risks. It is not very profitable to buy reliable securities with small dividends in the long term, since companies sometimes offer only 2-3% per year, which will not even cover inflation, and the securities themselves may fall in price. In addition, the company has the right to in advance refuse to pay dividends for the current year. The best option is to buy the share right before the close of the register just to receive dividends, and then close the deal at a bargain price.
Bonds
A much less risky option, how to invest money at interest on the stock exchange, is to buy bonds. They allow you to receive a fixed income as a percentage at the end of a year or longer, and are also particularly reliable and minimal fluctuations during economic shocks, when it comes to government bonds.
Reminder: Bonds are securities and promissory notes that entitle you to receive the amount owed with interest (coupon yield). There are government and commercial bonds. In general, you can get income from bonds that exceeds the rate on deposits for 2018, about 8-10% per year.
What you need to buy bonds:
· A deposit with a broker from 30,000 rubles, since this is the size of the minimum purchase set for the purchase of OFZ by individuals, the maximum is 15 million rubles;
· Possession of a terminal for carrying out transactions with bonds;
· Understanding of the exchange market and work with bonds.
Advantages of bonds:
· Reliability;
· Income is higher than the deposit;
· Ease of use, just buy and wait for the coupon income.
An example of a bond transaction. The safest way to buy OFZ is federal loan bonds. They are backed by the state, so they will definitely be fulfilled in 99.9% of cases.
List of OFZs in the terminal of one of the brokers for April 2018. As you can see, most bonds yield in the region of 7-8% per annum, with a coupon paid every six months.
A clear calculation of profit using the OFZ-n calculator when buying for 100,000 rubles in Sberbank.
Yield chart for OFZ-n in Sberbank. In general, with a deposit rate of 4.5%, you can get 6.9% on bonds, which is more profitable.
As a result, bonds are a very reliable way of investing, especially when it comes to OFZs. With the help of such securities, you can get income in excess of the rate on deposits.
PAMM
An innovative option, how to invest money at a high interest rate, are PAMM accounts with various forex brokers. Their essence boils down to the fact that investors collectively invest in the account of an experienced trader who trades in the foreign exchange market. The trader's profits and losses are shared proportionately with all investors. It turns out a convenient analogue of trust capital management without unnecessary formalities. As we already said, on InvestingNotes you can find a lot of information and instructions on PAMM accounts, there is also a ready-made portfolio and profit percentages for the last month. What is the advantage of a PAMM account:
· You can get a big profit, like a professional trader in the financial market;
· A minimum of formal procedures for opening an account and transferring money, it is enough to deposit funds through a reputable broker, the rest is done automatically;
· Very low entry threshold, you can start with almost any amount from some brokers, for example, in Alpari investments start from $ 100 (6000 rubles);
· Ample opportunities for diversification, since you can distribute funds to several traders at once, or immediately invest in ready-made PAMM portfolios.
PAMMs also have disadvantages:
· A high level of risk in the first place, since a trader can drain the deposit - this is easily eliminated due to diversification (investments in several accounts);
· Commission when withdrawing funds to a bank account or other source - due to high income, it does not play a big role;
· Difficulties may arise when working with large amounts - the bank may require supporting documents, so it is worthwhile to think over the scheme of transferring money to the account in advance (you should also not forget about self-paying profit tax of 13%).
In general, all of the above disadvantages are not critical and can be easily solved, and when working with small amounts - up to 500,000 rubles are completely absent.
An example of investing in a PAMM account with a broker Alpari. In order not to be puzzled by diversification, we will immediately select a ready-made portfolio in the rating under the name “SAVGROUP PAMM FUND”. It has the following yield curve and results for 3 years of existence.
Yield curve and statistics SAVGROUP PAMM FUND.
As you can see, over 3 years the portfolio has grown by 254.6% and has more than 5,800,000 rubles under management. The average annual profit is around 80%. Excellent result.
Calculation of the approximate profitability:
· Term - 365 days;
· The total profit for the year is 116.3%, we deduct the manager's remuneration = 98.8% or 98,800 rubles of profit.
What you need to invest in PAMM:
· Initial deposit - at Alpari from 6,000 rubles, there are other brokers with no restrictions, but it is better to choose reliable ones;
· Selection of a good PAMM portfolio or account, taking into account various factors (account age, profitability, maximum drawdown and other indicators);
· Timely withdrawal of funds - as a rule, it is optimal to invest money for 1 year, much depends on the aggressiveness of the account.
Thus, PAMM is a highly profitable way of investing, which also involves considerable risk. It is convenient, does not require unnecessary registrations, it is enough to open an account with a forex broker and verify it by sending a scan of your passport. You can deposit and withdraw funds directly from your bank card. With the turnover of large amounts, you will need to independently pay income tax - 13%, with small capital PAMM accounts are devoid of any drawbacks.
P2P lending at interest
The issuance of loans directly at interest existed at all times and was called differently, today such a name as "P2P lending" is popular. In theory, an investor simply lends money to another individual at a favorable interest rate. You can search for borrowers on special exchanges, for example, loans in WebMoney Debt are very developed.
Advantages:
· Very high profitability - usually the interest goes off scale up to 50% per year or more, with small amounts, investors ask for more than 10% per day;
· Ease of issuance and search for a borrower through the exchange;
· Low entry threshold.
The disadvantage is that there is always a risk that the money will not be returned. Of course, there will be certain consequences for the borrower, courts, etc., but they even manage not to give money to large banks. Careful selection of the borrower does not guarantee success, but increases its likelihood.
List of popular P2P lending exchanges:
· Vdolg.ru - the largest Russian service for issuing loans;
· City of money - operating since 2013;
· WebMoney Debt - another Russified version of the P2P exchange;
· Zopa - the first P2P lending company established in 2005 in the UK;
· Prosper - a company from the United States;
· Lending Club and many others.
An example of investments in P2P lending in WebMoney Debt. There are a lot of different offers in the system.
An indicative list of applications forWebMoneyDebt.
In general, the amounts are different and are within 10,000 WMZ, which is equivalent to $ 10,000 and 600,000 rubles. The rates are indicated approximately from 0.04% per day, in fact, they can be much higher for new borrowers. Here is an example of the conditions that most investors offer for small amounts.
Of course, this is an initial start-up application for only $ 5, but comes out at 600% per month and 7200% per year. Adequate investors offer rates in the region of 0.1% per day or 36.5% per year. Thus, by investing 100,000 rubles in P2P, you can get about 30,000 rubles of profit and more. Risks should be reduced by distributing the amount to several borrowers at an appropriate percentage.
Note: to receive a loan, a person will need a high statusBL (BusinessLevel), which confirms the solvency of the systemWebMoney. This greatly simplifies the filtering of loan applications, plus you can additionally request scans of documents from the borrower. The system itself acts as a guarantor of the return.WebMoney.
What you need to invest in P2P:
· Initial capital - from 10,000 rubles;
· Search for a suitable exchange;
· Careful selection of borrowers;
· Miscalculation of interest to reduce risks.
As a result, P2P lending is, in simple words, ordinary loans to individuals. You can search for borrowers directly or on special exchanges. The conditions can be offered very different: for small amounts and new borrowers, huge interest, and for large amounts and reliable borrowers, adequate. The only risk is that the money may not be returned, as well as in banks, so you need to immediately calculate the profit so that such a case overlaps.
Investments in MFIs
In order not to risk money in P2P lending in vain and not waste time checking borrowers, you can immediately invest in microfinance organizations (MFIs), which take such risks themselves. Today MFIs have become very popular, because a loan can be obtained directly on the Internet to a bank card.
Advantages:
· Reliability. MFOs have a corresponding license from the Bank of Russia and are recorded in the register, not being shell companies, one-day.
· Convenient interest payments in most MFIs with monthly income.
· High income (10-20% per year in rubles).
· Flexible terms, you can invest for a month.
Disadvantages:
· A considerable entry threshold - from 1.5 million rubles.
· No investment insurance from the state.
· A small number of companies accepting investments from individuals. persons (there are 5 of them at the moment).
· It is necessary to pay tax of 13% on profits - it is paid by the MFO itself as a tax agent.
For convenience, a comparative table with different MFIs and their conditions will be presented below.
Name | Income in rubles per year | Investment term in months | Minimum and maximum amount in million rubles | Interest payment procedure |
Home Money | Monthly, quarterly or at the end of the term, depending on the conditions |
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Quick money | Monthly or at the end of the term, depending on the conditions |
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Kreditech Rus | Monthly |
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SMSfinance | At the end of the term |
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Monthly |
An example of calculating the return on investment in an MFO:
· Investment of 1.5 million rubles in Home money;
· Income for the year will be 13%, net of tax = 11.31% or 169650 rubles.
What is required to invest in an MFI:
· Minimum capital - from 1.5 million rubles;
· A suitable MFI accepting investments from individuals. persons.
As a result, investing in MFIs is a fairly reliable way to get income higher than on bank deposits and even bonds. The important thing is that when investing in an MFI, an acceptable and even low level of risk. In addition, most organizations offer monthly interest payments, which is very convenient.
What to look for when making deposits with interest
Despite the abundance of investment methods, there are many pitfalls and points that you should definitely consider. Let's list the main nuances associated with investing at interest.
Nuance number 1. Amount of free money
First of all, you should decide on the amount of investments. What is important to understand:
· You cannot take money to invest in a loan - it is risky and pointless;
· Capital should be exactly free, and not accumulative for future housing or a car;
· Ideally, if your budget is divided into categories (daily expenses 50%, savings for purchases 20%, investment savings 20%, airbag 10%).
Selection of investments depending on the amount:
· Up to 10,000 rubles - it is better to stay on PAMM accounts and portfolios, or open a deposit in a bank in order to save more funds, mutual funds with a similar purpose are also suitable;
· 10,000 - 100,000 rubles - PAMM-accounts can still show themselves well, more conservatively you can invest in mutual funds and deposits, as well as bonds, you can aggressively earn extra money through P2P lending and dividend stocks;
· 100,000 - 1,500,000 rubles - it is advisable to focus on more reliable and legalized forms of investment, for example, bonds, dividend shares, as well as mutual funds and bank deposits;
· Over 1,500,000 - 2,000,000 rubles - ideally to buy real estate or invest in an MFO, mutual funds remain no less attractive, as well as a deposit together with bonds, plus dividend shares.
Thus, you need to select the best investment option for the appropriate capital. The more money, the more reliable and low-risk method will be required. In practice, having a very small amount, for example, up to 100,000 rubles, it is much better to invest in your own education and acquire new skills that will increase your income from your core business.
Nuance number 2. Availability of specific knowledge and skills
Many investment industries may require specific knowledge and experience. Where can you invest money without any experience at all:
· Bank deposit;
· Buying an apartment for rent.
Where experience is required:
· Dividend stocks - you need to be able to use the terminal, analyze stocks and the stock market;
· Bonds - no less difficult market, where it is worthwhile to navigate well before buying anything;
· Commercial real estate - one should imagine business processes and be an entrepreneur by nature, so that the object is really profitable and attractive for future tenants;
· P2P lending on stock exchanges - you need to be able to calculate profitable interest and reduce the risk of default by setting appropriate criteria for attracting borrowers, which comes only with experience;
· PAMM accounts - you should study the basics of trading and understand how you can identify traders using optimal trading strategies, if you invest without experience, then it is easy to get into a drain account or portfolio.
In general, you just need to be smart about investing, take your time, read the literature, see real investment examples and draw the appropriate conclusions. If you immediately give your money without understanding, then you can get a loss at best, and at worst - lose all your capital.
Nuance number 3. Investment term
You should always pay attention to the optimal investment period. Sometimes you can invest for a month, and sometimes for several years. Which products do this primarily apply:
· Mutual funds - in some years (crisis) the fund may bring a loss and it will take another 1-2 years to go into profit, so the optimal investment period is 3 years or more, depending on the circumstances;
· Dividend stocks - sometimes you have to wait more than a year to exit a stock that has fallen in price;
· PAMM-accounts - in certain months a trader may be at a loss, but this does not mean that at the end of the year he will not show an excellent result;
· Bonds - the yield grows closer to the maturity, so you need to count on sitting out the entire maturity without buying bonds for 10 years or more.
Of course, the terms even apply to deposits in the bank, because in case of early repayment, you will lose all the interest earned. It is advisable to calculate your investments so that you do not have to withdraw money before the expiration of the planned time frame.
Nuance number 4. Profitability level
Everyone wants to get a certain result from investing. Some expect great returns - over 50-100% per year, others - want more reliability for a lower percentage. Consider which tools are better to choose in certain cases:
· Maximum reliability, 4-7% income - bank deposit;
· High reliability, 8-10% yield - OFZ bonds;
· Moderately high reliability, 10-20% of income - real estate and MFOs;
· Average level of reliability, 25-35% of income - mutual funds;
· Acceptable level of reliability, 35-50% of income - dividend shares;
· Weak level of reliability, 50-100% of income - P2P lending and PAMM accounts.
In the end, it all depends on the goal. If there is a small capital and there is a desire to risk increasing it quickly, then it is better to choose PAMM accounts, P2P. With a large account and adequate goals, the choice is wider: you can earn optimally, or you can underestimate the risks.
Nuance number 5. Insurance and degree of risk
In the previous nuance, we considered that there are risky and less risky investments. However, in addition to income, there are other factors that affect risk, such as insurance. Who has insurance:
· Bank deposit - up to 1,400,000 rubles in one bank;
· Bonds - within the framework of the property of the company or the state, since you will be a creditor and have the rights to a share in bankruptcy (this usually does not apply to dividend shares, because the owners are the last to reach the owners).
Also, you can insure real estate, but this is already associated with additional costs. In other types of investment, there is no insurance, as a result, there is a risk of losing all the money.
Nuance number 6. Reinvestment opportunity
A very important factor is the potential for interest reinvestment. This requires that investment income comes in monthly or quarterly. This is possible with almost any investment:
· Real estate - you can reinvest the rent in other directions (deposit, mutual funds, etc.);
· Bank deposits - only with the possibility of withdrawing interest, or with capitalization;
· Dividend shares - if the deal is successfully closed, the next one can be opened with a larger amount;
· Bonds - coupon income is paid every six months, it is possible to reinvest it;
· P2P lending - monthly payments can be lent again;
· MFO - if profit is paid every month or quarter.
A completely different situation concerns:
· PAMM-accounts - it is possible to reinvest when withdrawing part of the money with an increase in profitability, but this will affect the final result;
· Mutual funds - you can sell one share at a time when a profit is achieved, but this will reduce the overall profit.
It is important to choose a convenient reinvestment option, for example, if you plan to work with only one type of investment or several.
Nuance number 7. Convenience of withdrawal of funds and tax base
Not every option for investments with interest is equipped with a convenient scheme for transferring funds to a bank account. In addition, the question of paying taxes may arise. What's convenient:
· Bank deposit - no extra commissions, no tax is paid;
· Mutual funds - as a rule, money is circulated in the bank, which reduces costs, and all taxes and remuneration to managers are paid automatically.
The rest is less convenient:
· Real estate - if the rent is paid without problems, then when planning the sale of an object there will be a lot of difficulties, as well as when buying;
· Dividend shares - the broker is responsible for paying taxes, but the transfer of funds to a bank account may imply a commission;
· Bonds - similar to shares;
· PAMM accounts - when withdrawing, the broker charges a commission, and when working with a large amount, you will still need to pay 13% tax on your own;
P2P lending - here you will need to register as an individual entrepreneur, which can significantly reduce income due to payment of fees and taxes, plus commissions for withdrawing to the bank;
· MFO - the tax is paid by the organization itself, the withdrawal may be accompanied by commissions.
Of course, everyone is obliged to comply with the law and register as an entrepreneur, pay taxes, but with the turnover of very small amounts, this is no longer a practical need at the moment. Otherwise, almost all investment methods have some kind of commission, or automatic payment of taxes on profits, since such is the state structure around the world.
Where not to invest
Often, novice investors, when looking for where it is more profitable to invest money at interest, come across deception and fraud. To protect yourself from losing money, as well as increase the likelihood of successful investment, you should understand where you definitely do not need to invest money. Let's consider the main options:
· Pyramids - a well-known fraud, like "MMM", when the first depositors are paid interest at the expense of the investments of others. Sooner or later, such a pyramid will collapse, and everyone who did not manage to withdraw their money will be left with nothing.
· HYIPs - high-risk and fraudulent investment projects, including the aforementioned pyramids. As a rule, they imply an extremely high percentage with weekly payments, often disguised as companies engaged in cryptocurrency mining or investing in the United States.
Where you do not need to invest for sure, if you do not understand the issue, you have no experience. You can make money in these types of investments, but it is very difficult and a minority achieves this:
· Binary options - most of them are used as a lottery, in fact, you can earn money if you have sufficient experience in trading, calculated for years. 95% of people here are losing money. Unfortunately, the active promotion and advertising of trading is not true.
Forex - huge leverage is used here, knowledge and extensive experience of speculation is required, as with options, which will take several years of hard work. Again, 95% of people are left with nothing here. This does not apply to PAMM accounts, where a beginner will still be able to navigate.
· Stock speculation using leverage - it is also easy for a licensed broker on the exchange to lose money in a crisis and price collapse if you use leverage. Therefore, never use leverage without trading experience, even with dividend stocks.
· Unreliable startups and ICOs - there are simply much more risks than chances to make money. It is difficult to verify all the information about the companies, and there is no guarantee of a refund.
Thus, choose only reliable investment options. Think carefully about how legitimate the activities of the company you are giving money to, check all the reviews about the company. In recent years, a sensible approach has been required more and more, as even small banks have their licenses revoked. It is best to invest in proven and large holdings, rather than little-known fly-by-night firms.
In the final section, let's pay attention to a few useful recommendations that are most often provided by investment experts:
1. Develop a strategy from several areas of investment. It is better to spend most of the funds on more conservative investments, and leave a small part for high-risk investments. For example, it is very popular to keep 50% of funds on deposit, 30% in bonds, and the remaining 10% in stocks or mutual funds.
2. Use diversification as much as possible. It is undesirable to invest all the money in one project or shares of one company, it will be much safer to find out where it is better to invest money at interest, and divide the amount over several projects. For example, instead of investing in one PAMM account, distribute funds among several, or use ready-made portfolios. Diversification is best applied in mutual funds, where the fund has already distributed funds over a large number of stocks and bonds.
3. Focus on passive income and monthly interest. This is also called "cash flow", a concept coined by Robert Kiyosaki. Professional investment involves minimal involvement in property management. For example, dividend stocks will require you to keep track of quotes and the calendar, spend energy and nerves on successful and unsuccessful transactions, education. Renting out real estate will require constant contact and search for tenants, as well as in P2P lending. More passive income will be when using deposits, bonds, MFOs, PAMM portfolios.
4. Don't expect quick results. Investing is a marathon, not a sprint, where income is determined by the end of the year. This mainly concerns mutual funds, shares, PAMM accounts. A lot of investors have lost interest and money due to lack of patience. It is better to start investing gradually, especially if there is not enough knowledge and experience.
5. Do not expect financial freedom from a small capital. Even having 1 million rubles on hand for investment, you will not be able to quit your main job or business, there is always the risk of a bad year. Unfortunately, the dream of living on interest is largely a utopia, because you need a much larger amount and very competent capital management. If we are talking about an even smaller amount - 50,000 - 100,000 rubles, then it is more efficient to invest this money in yourself. For example, learn new skills in stock trading or education to increase income for future investments.
Let's briefly summarize. There are many options where to invest money at a high interest rate. It can be a trivial deposit in a bank or buying real estate for rent, which is generally a conservative and reliable direction with an income of 5-10% per annum. More profitable, but risky is investment in mutual funds, PAMM portfolios, dividend stocks, as well as P2P lending, where you can earn 30-100% per year. Something in between is investments in MFOs and bonds, where earnings can be up to 10-20% for a similar period.
Capital can not only be stored, but also multiplied, for example, investing money at interest every day. To do this, there are exchanges for trading, currencies, binary options, mutual funds, lending in the WebMoney system, bank deposits and more than ten other methods. Profit can be received almost daily and not put much effort into the process of earning.
The Internet is replete with offers to invest in mutual funds - mutual funds. Many perceive them as nothing other than financial pyramids. There is some truth in this, since many pyramids call themselves mutual funds, although this is far from the case. It is possible to receive permanent and even daily income only in real mutual funds.
What are mutual funds? These are funds that buy and invest in assets at the expense of shareholders (equity holders). A certain number of people invest their money in a fund, which should not only return these funds over time, but also increase them. It can be a certain percentage of the investment amount, or a specific amount - the size of the investment profit. But, in any case, the shareholder (investor) will receive his share of the fund's profit.
A mutual fund does not exist on its own: it is managed by a management company. Its headquarters have trustees who work directly with shareholders - investors. They also provide all the information about the growth of profits, and also take part in the formation of the investment portfolio.
Shareholders' money can be invested in:
- Foreign exchange speculative operations.
- Securities, shares.
- Purchase of fixed assets.
- Acquisition of other assets.
How do you get money every day from investments in mutual funds? Of course, no one will transfer a part of his profit to the depositor every day. He can receive it after a while or, at will, immediately take both his share and the amount of accumulated profit. But as soon as money is received from investments in mutual funds, you can independently calculate the return on investment and other indicators.
Calculating the percentage of profit accrued every day is also not difficult. The biggest advantage in this way of earning is that you do not need to deal with investing and other important issues yourself. You just need to deposit money and become a shareholder. At a certain moment or within the agreed time frame, the shareholder will receive his profit.
Another popular type of money investment with daily earnings is their investment on the binary options exchange (BO). Here everything is much more interesting, since profit can be received daily and almost completely control, monitor the earnings process. For this you need:
- Register on the BO exchange.
- Download the program - a platform for work.
- Practice on a demo account if this service is provided free of charge.
- Deposit money into your account and start investing.
An option is a conventional name for an asset that will rise in price or, conversely, fall. On the site, you can see two buttons for predicting changes in the option price: either its rise or fall. Sometimes the buttons have different names, but the essence remains the same. Earnings consist in predicting whether the option will fall in price or rise. In this case, the forecast can be every minute, daily, for a week or another period.
Of course, charts, analytics, indices and other important information are visible on the site. It will help you make correct predictions. But one cannot do without fundamental and technical analysis, as well as knowledge. If the forecast was correct, then the money is immediately credited to the account. The withdrawal is possible at different times: from every hour to once a day, etc. It all depends on the choice of the BO exchange.
Investing money in trading and Forex
There are a lot of trading exchanges. Every second person considers himself to be a successful trader, if he at least came out in plus during the first month. What are these people doing? They register on the brokers' website and start trading assets, including money. An example of such trading is the Forex market. It is used to buy and sell different currencies.
Previously, Forex existed only because of the need for large multinational companies, central and private banks, importers, exporters. They needed to buy and sell different currencies. But now it is an excellent platform for successful traders to earn money. True, for the implementation of one transaction alone, it will take from 100 thousand dollars. To overcome this condition, you need to register on the broker's website. He also works in the Forex market and is authorized to carry out transactions.
The essence of Forex trading is as follows:
- You need to buy one currency at one time at the current rate and resell it at another time at a different rate. On the difference in quotes and volumes of the sold currency, you can get a daily profit.
- A pair of currencies is involved in one transaction. For example, dollars are bought for euros. This pair looks like this: USD / EUR. The trader buys a certain amount of dollars for the euro based on weaving quotes. Then he can sell dollars again for euros or another currency, but at a different rate. If it is more profitable, then the trader makes a profit.
Likewise, to work on Forex brokerage sites, you need to download the program. This is a site that is also an online platform for thousands of people to work at the same time. Quotes are streamed online from major exchanges, and traces are carried out only in real time. There are only two buttons: Sell and Buy.
An experienced trader does not operate purely intuitively, but uses indices, chart data, news, and all types of analysis. Such earnings can be daily, since money for each foreign exchange operation is credited almost instantly. Everyone can calculate how many percent of the profit he receives daily from Forex trading. The main investment here is money, not another asset.
Cryptocurrency is electronic money that is not controlled by any banking system or government in the world. They exist on their own, even though they have development companies. Operations with them are very well coded and protected by a high level of security. The most popular types of cryptocurrencies include:
- Bitcoin.
- Ethereum.
Since the cost of cryptocurrency changes daily, you can make good money on it and get your percentage of profit. There is a constant upward trend in the rate of bitcoin and ethereum. But the most expensive cryptocurrency is still Bitcoin. If at the dawn of its existence for a million bitcoins it was possible to buy only pizza, now:
1 bitcoin is equal to more than $ 3000 (the rate is constantly growing).
Of course, there are also falls with electronic coins, but still there is a constant upward trend. If you invest in cryptocurrency now, then with a high probability this money will bring considerable profit in the future.
There are two ways to earn daily from the received interest from investments in cryptocurrency:
- Its purchase for profit in the future. For example, now you can buy 1 bitcoin and wait for its rate to increase significantly, or by a certain amount of percent. Then this money can be exchanged again and you can get back your investments along with interest - profit from the change in the exchange rate.
- Currency speculation, that is, trading. There are separate cryptocurrency exchanges where bitcoins, ethereum and other electronic money can be bought and sold right away. Quotes are constantly changing, which you can make good money on. For example, you can buy ethereum for rubles at one rate, and after a while or on the same day sell it at a more favorable rate. Of course, to earn money every day you need to invest a considerable amount.
Cryptocurrency trading is gaining momentum in popularity. Everyone strives to invest in this area in order to receive money and their percentage of profit every day.
Bank deposit
Everyone can invest money at interest every day if they open a bank deposit. A deposit is an account that stores the amount deposited by the client. He puts it there at interest, usually annual interest. To calculate the monthly interest rate, divide the annual interest rate by 12. To determine the daily interest rate, divide this figure by the average number of days in the month of the current year.
Of course, deposits can be different: differ in the interest accrual scheme, terms, payment methods, currency, etc. But in all cases, an agreement is concluded in which all these conditions are indicated. For example, for one deposit, money can be withdrawn only after the expiration of the term for placing the deposit, in another way - at the end of each month (the amount of accumulated interest). Sometimes the formula for calculating interest on the interest that has accumulated over a month is used. It all depends on the bank's program and the conditions for placing a deposit.
The most profitable and important thing in this method of daily earnings with investing money is that interest will be charged in any case. This is not trading where you can lose everything in an instant. Under the agreement, interest is charged in the agreed amount within the specified period. There can be no changes, as well as the fact that the contribution is suddenly canceled. Even if the bank declares itself bankrupt, the funds will be paid by a special fund.
Other popular ways to invest money with interest on a daily basis
With the development of Internet technologies, e-commerce, trading, there are a lot of ways to make daily money on investing. These include:
- Speculative transactions within electronic exchangers ... Users are very active in buying and selling currency on online exchangers. Many people take advantage of this situation and have found ways to make money on currency quotes every day. They invest money in one currency, and then sell it on an exchanger for another at a favorable rate for themselves. Earning comes from the difference in quotes.
- Lending on Webmoney ... Those who have free money can pass the certification of the WebMoney payment system and issue loans to its other users. Of course, loans are provided at a certain percentage. Each lender has its own rating, so users of the system can choose exactly who to contact. If you deposit a considerable amount into your account and issue this money at interest, then earnings can be received daily.
- Investments in real estate ... If you invest in buying an apartment, house or other real estate object, you can get money from renting it out. As soon as the purchase pays off, the day will come for the first profit. It can also be calculated as a percentage. If you provide a daily rental service, then earnings will become daily. Clients will pay for rent on a daily basis or for each hour of using the residential / commercial property.
There are more than ten ways to invest money at interest every day - from trading to binary options, mutual funds, deposits and renting out real estate. It remains only to choose the most profitable and convenient option for yourself.
How to reduce risks
How to reduce labor intensity
How much money to invest
Current types of investments with a low level of risks
What to look for when choosing where to invest money
To understand whether it is worth investing in one or another source of income, it is necessary first of all to determine the criteria by which it will be determined whether this is a worthwhile undertaking or not.
If we restrict ourselves to three simple criteria, then we would like to highlight the following:
Profitability
Profitability is undoubtedly one of the determining factors when choosing where to invest in order to earn. It is measured most often as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just to save it, then at least the level of profitability should be higher than the level of annual inflation. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5%, which is lower than the average annual inflation rate, which for the last three years until 2017 is 9.9%. Therefore, in order to invest money at a high interest rate and make money on it, it is necessary to use other opportunities, which we will consider below.
Risks
The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the likelihood of events in which an investor can lose profit or even his investments. If, when considering ready-made investment proposals, the amount of profitability is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to delve into what the project actually earns on, how long this process has been established and whether a situation may arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts in this who understand and understand this. You also need to understand that more often than not, the higher the profitability, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a low interest rate, and as you gain experience, switch to more profitable offers at a high interest rate.
Labor intensity
If in pure investment, when you have invested money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in your own business, an additional factor appears, such as labor intensity - this is the amount of working time spent, multiplied by the experience and expertise of the performers. In other words, how much time will you or your team spend on developing your business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but at the same time the required labor intensity of the process greatly increases, especially if you independently participate in business processes. At the same time, risks are inversely related to the experience and expertise of the team, that is, the more experience and knowledge, the less risks.
Where to invest in 2020 so as not to lose - Moscow expert advice
When there is an understanding of what factors are decisive when choosing where to invest money so that they work, you can already consider and evaluate specific investments, which we will now do.
All options will be somehow related to collateralized loans.
We believe that such investments, for objective reasons, are the least risky, but at the same time they have a high profitability.
At the same time, everyone will be able to find an acceptable type for themselves, based on the possible labor costs and the availability of expertise.
To begin with, we will tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans issued by financial companies (MFIs, PDAs, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Interest rates on such loans are much higher than those of bank loans, and average from 40% to 100% per annum. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, and they do not have the opportunity to go through long and thorough bank checks. The second category of borrowers is people with a damaged credit history, for whom the road to banks is closed. Or people who do not have the opportunity to prove their unofficial income.
All loans are issued either secured by real estate, or secured by cars. At the same time, the maximum loan amount most often does not exceed 50% of the market value of the collateral object, and the loan term is usually no more than one year. If the borrower cannot pay off the loan, then the collateral is sold at market value, which makes it possible to cover both the amount of the principal debt and the amount of accrued interest. If the difference remains, it is transferred to the borrower.
It is the presence of collaterals that ensures the minimum level of risks for the investor, financial companies and this activity in general.
In 2020, according to experts, activities with collateralized loans have become especially popular and in demand among borrowers, while worthy players have appeared on the non-bank lending market, allowing ordinary individuals to invest money in this area without any labor costs and not only not to lose. but also make good money on this, having received your interest with a guarantee secured by the presence of collateral.
Now that we have figured out how it works and why the risks are minimal, let's move on to considering specific types of investment, their profitability and labor intensity. There are three of these options:
- Profitable treasures from 14% to 22% per annum
- Investing-Easy at 24% per annum
- Investing-Profi up to 100% per annum
Let's dwell a little more on each of the options, and you can find out in detail about each by clicking on the corresponding link, where you can also leave an application for participation in the corresponding program.
Profitable savings
This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: I invested money and received income at the expiration of the term or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Companies accepting savings:
This type is for those who want to dive more into investing in secured loans and get a higher return on investment than in conventional deposits. Here, the investor himself issues loans on collateral on his own behalf, but all other business processes, such as finding borrowers, underwriting (risk assessment and checking the borrower), collateral assessment, drafting contracts, accepting payments and others, are carried out by qualified specialists. The investor's labor costs are the consideration and selection of investment proposals and attendance at the conclusion of the contract. Yield 24% per annum. Suitable if you have investments of 300,000 rubles or more, it is optimal to invest 500,000 rubles or more.
The most profitable, but also the most time consuming type of money investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for the search for borrowers, must be performed independently. Yield up to 100% per annum. A good option, where to invest 1,000,000 rubles and in a year and a half to earn a million rubles from above.
Where is it profitable to invest money at interest - comparison of options
- Risks
- Payouts
- Labor intensity
- Investment amount
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Inflation is an ongoing process from which no one is immune. The only chance to avoid losing funds is to start investing. In addition, this is a great opportunity not only to save money, but also to increase your savings. To invest money at interest every day, you need to know what a "deposit", "participation in trading", "binary options", "anonymized metal accounts" and other concepts that relate to capital investments are.
Investment basics
An investment is an opportunity to receive passive income that does not require much effort and time. For bankers and economists, investing is associated with stable well-being, which eliminates potential material problems and increases the investor's income. Investments can be divided into several types of investment objects: real, financial, venture, speculative.
The minimum risk of losing his money is received by the investor who chooses real investments:
- acquisition of a ready-made and successfully operating business;
- human capital;
- money.
Financial investments are based on investments in intangible assets:
- securities;
- bank deposits;
- hype projects;
- Mutual funds.
Venture capital investments imply the contribution of financial resources to:
- innovative enterprises;
- new organizations;
- progressive projects that are just starting their work on the market.
Speculative investing is based on buying any assets at the lowest price and selling them at the highest price. This method is most often used by businessmen who are good at predicting and analyzing the rise and fall of the exchange rate.
Each investor selects the most appropriate option for himself, which corresponds to preferences, financial capabilities and willingness to take risks.
- Explore the subject of attachment as much as possible.
- Consult with investors who have laid out their funds in the past.
- Assess potential risks and your readiness for financial losses.
- Analyze on what income and after what period of time the beginner expects.
The main areas of short-term investment
In order to receive an annual income of 20% or more, people resort to using short-term investments. Among their main advantages are the ability to quickly receive additional income. While investors who prefer to invest in long-term projects wait for their money for three years or more, short-term investments can have a positive effect on income in less than a year. Short-term investments in the Internet are actively promoted today.
Leading positions are occupied by:
- Forex market.
- Investment funds.
- Debt online services.
Internet technologies attract investors due to the fact that the investment period starts from one day. And you can draw up all financial documents and keep accounts right from home.
What amounts can you start investing with?
From 5 thousand rubles and more
Five thousand rubles is a great amount to start investing. Beginners can invest in PAMM accounts, as this is the simplest method. This method involves the transfer of financial resources to professional traders through the currency exchange. In the future, the total income from trading will be divided between the investor and the manager. The profit from such a "modest amount" can reach from five to thirty percent per month.
Investing such an amount in a startup may turn out to be pointless, since in the early stages of business development, the investor will have many unforeseen losses that may exceed the amount of the initial investment. A more or less reliable way to start your business with 5,000 rubles in your pocket is to create your own web resource, start blogging or an online magazine. The main thing in such a business is to have experience, strategy and content plan.
The most valuable thing in an investment object is considered to be a human resource. In other words, by investing money in courses, trainings, master classes and lectures, you can gain a large store of knowledge, which will soon become the equivalent of no less large income.
10 thousand and more
Investing in paintings, antiques and other masterpieces of art is very popular among investors. With a successful investment, a $ 300 painting can increase in price by 25% in just a year. It is not at all necessary to be well versed in art; it is important to sell the product to the right person at the right time.
Bankers believe that the most stable currencies in the world are the Norwegian and Swedish crowns, as well as the British pound. And in a few years, their growth in price is predicted in relation to other monetary units. Therefore, by investing 10,000 rubles in such a currency, the investor is guaranteed not to lose anything. It is important to understand that investing in crowns is only profitable if they are planned to be resold not earlier than in three years.
Some investors buy gold bars because there is a belief that the precious metal will never lose its relevance. Having invested 10 thousand rubles, in a year you can get some profit.
25-30 thousand
Having an extra 30 thousand rubles, you can invest in stocks and bonds, engage in stock trading. Securities should be considered if you have experience in investing. In addition, you need to be able to make forecasts and analyze the market situation. Stock speculation is a good way to make money for professional traders. Despite the fact that brokerage companies open access to users even with a minimum amount (sometimes even starting from $ 1), you can significantly increase your income only with an investment of at least $ 500.
50 thousand and more
Investing 50,000 rubles in the development of your startup is a promising solution. Whether it's selling handmade products, repairing smartphones, opening a nail salon - topical services will always be in demand.
This amount can already be distributed among different assets. An investor can collect a portfolio of stocks to invest the available amount. For example, Tesla shares are worth $ 249, while Amazon shares are $ 830. By investing money in several assets at once, you can increase your chance of earning income from at least one of them.
Also, part of the amount can be sent to the PAMM account. According to the rating of TOP-50 investors, professionals invest in this area from $ 100 to $ 700,000. Despite the increased risks, such investments give good returns.
Popular methods to invest money at interest every day
Investors today are investing in antiques, cars, precious metals, real estate, education, courses, trainings and other options for passive income. But you can get additional income only if the investor sees the future in the industry he has chosen.
Invest money at interest every day in mutual funds
Unit investment fund (mutual investment fund) by its principle resembles PAMM-investment, but has higher security and lower profitability. The resources invested by the investor are used to purchase securities of large organizations, and if a profit can be made from such an investment, it will be distributed among all participants.
Mutual funds can be viewed as trust management: an investor invests money (buys shares), but the company manages them - as a result, the prices for shares increase. Among the disadvantages of a mutual investment fund is the inability to predict the result of a particular mutual fund. Sometimes even experienced professionals with regular growth can fail at any moment.
The structure and principle of operation of the mutual fund.
Invest money at interest daily in binary options
Investing financial resources in binary options is considered to be a very profitable investment. At the same time, it is very risky. This is a kind of drawing up a contract with a forecast of a rise or fall in the value of an asset within a period set by the investor (for a minute, hour, day, week). If the prediction comes true, and at the indicated time the value of the asset rises (or falls), then the investor receives an income of 70 to 90%. But if he makes a mistake, he will lose the entire deposit.
In practice, it looks something like this: an investor watches the latest news and draws attention to the fact that the day after tomorrow the H&M trademark launches the sale of a new collection. Accordingly, soon their shares should skyrocket. All that is needed is to invest in an option with the condition that the stock price grows, say, the day after tomorrow. This is how experienced investors can make several successful deals in a day.
Investing money in trading and Forex
An option suitable for both novice and experienced traders. Forex offers structured products that allow you to preserve your savings and increase your income. There are two types of financial instruments for this:
- Low-risk (making a small profit).
- High-risk (but with great opportunities).
It is important to work on Forex in a clear and structured manner, without excitement and unnecessary emotions. Since trading signals and analytical thinking are the most accurate indicators of the market situation.
Invest money at interest every day in cryptocurrency
Among the main advantages of cryptocurrency are:
- the opportunity to start investing with a minimum amount;
- the trust of investors around the world;
- independence from political and economic conditions;
- minimum commissions;
- sharp changes in exchange rates.
Opening a deposit in a bank
By opening a deposit, the user of banking services practically does not risk anything, since bank deposits are insured and regulated by the state. Bank employees immediately stipulate for what time frame and for what specific amount the client can count on. At the same time, we must not forget that the percentage of the deposit is quite low, which is why passive income will be scanty.
Depersonalized metal account
Among the advantages of investing in precious metals through banks, one can single out an increase in their prices due to depletion of reserves. Since 2009, the gold rate has doubled - in other words, the return on this type of investment is 5-10% per year. You can open an impersonal metal account in many Russian banks (for example, Sberbank offers such a service).
Bidding
Bidding implies fair competition when buying and selling assets on exchanges. You can trade regardless of income level. At the same time, there are some restrictions from the law that allow you to control this process and minimize risks. There are two options for trading - up or down. In the first case, you can make money when the price of an asset rises, and in the second, when it falls. You can participate in online trading from anywhere in the world.
Debt online services
As an alternative to the banking credit system, there are p2p lending services. In such projects, money is issued directly from the investor to the borrower. As a rule, such services work around the clock and seven days a week, are available for retirees, students, unemployed, etc. Money can be invested in them, which are then issued in the form of loans. In case of a successful return, the investor makes a profit, but there is a risk that the borrower will not repay the debt.
Where is it better not to invest to avoid fraud
"A win-win combination", "Only here and only now", "Winning is guaranteed" - calls, which in no case should be responded to. Most often they are used by online casinos, lotteries, betting, online poker and other online gambling, which remain illegal and unofficial. This is a kind of bait for Internet users who are convinced that it is quite possible to get big money in the shortest possible time. But after the first investment, the scammer's trap closes.
It is also impossible to invest money in the area in which the investor is not oriented - investing money requires an analytical mindset, the ability to predict and understand the dynamics of market development.
Anyone can become a successful investor. However, there is no 100% guarantee of profit from any instrument, you need to study all of them - analyze the risks, constantly monitor trends for the selected asset, etc. The main thing is to follow the basic postulates of investing, which are relevant for both beginners and experienced specialists: do not invest money exclusively in one project, distribute financial resources for different instruments, invest only those funds, the loss of which will not greatly affect the wallet.