Where can you invest money. Investing for beginners - where to start, types of investments
Smart investment is the key to a highly secure future. By placing free money in promising investment projects, you get the opportunity to significantly increase your well-being. What tools are potentially profitable and what profitability they can bring to a novice investor, we will analyze in detail in today's article.
Free money can be invested in these projects:
Sources of investment
The question is where to get free cash, asked by those people who are already thinking about their future. As you know, money is never superfluous. Therefore, if you do not purposefully take measures to accumulate capital, then there will be nothing to invest. So where can you get free money for investment?
Let's consider 3 reliable options:
- Save 10-20% of your salary ... This option always works. It is important to determine how much can be withdrawn without consequences. If you find it difficult to save money and are tempted to spend it, you can start. True, there are not so many options and they are not so profitable compared to an investment of 100,000 or more. But you can think of investing a little money as a timeline that will lead you to a big goal.
- Borrow money from relatives ... Not the best idea, but it has a place to be. Moreover, parents can give initial capital for a good deed free of charge.
- Additional income ... As sources of additional earnings, one can consider overtime part-time work at the main place of work or short-term options with small pay. Of course, you will have to work harder. But it's worth the effort to generate passive income in the future.
TOP-17 ways to invest free money
So, you have a little capital and you want it to work. Below is a list of 17 working ways where you can invest your free money. You just have to adapt them for yourself and depending on the ratio of income and degree of risk.
1. Bank deposit
It makes sense to invest free money in the bank when you need to dig up an emergency reserve just in case. In addition to term deposits, the interest on contributions is quite penny. Therefore, it is not worth counting on good dividends even from a large amount. Anyone who nevertheless decided to place savings in the bank account in the amount of more than 1,400,000 rubles needs to divide it and put in different jars ... To in case of default the state reimbursed the investment in full.
2. Securities
Stocks are one of the most attractive, but also the most risky options. As practice shows, it is better to entrust the disposal of securities to experienced professionals, although they cannot guarantee income. The peculiarity of the method is that there is no upper ceiling for profit or loss. In each case, everything is individual... Of course, you can predict the main trend based on past experience, but this does not always work.
Read our review on how to avoid mistakes that 90% of novice investors make, and.
3. Real estate
Quite a popular method of attracting free money. After all, investing means getting a quick income and covering mortgage payments. However, it must be borne in mind that if the apartment for some reason is not rented out, the money must be paid out of your pocket. In the case when housing is purchased with your own capital, you will receive a stable profit from minimal risks... It is most profitable to rent an apartment for offices and other commercial premises.
4. Binary options
With their help, every investor has the opportunity to make money on the shares of popular companies, banks and corporations. The scheme of the options work is structured as follows: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the profits can reach 70%.
Earning on options depends on whether you guess or not, whether it grows or the price will fall for shares at a certain time. You can buy them at different times, ranging from 1 minute to months.
Option investing is done through a broker and requires knowledge of the basics fundamental and technical analysis.
5. Microfinance organizations
7. Business
One of the most controversial investment options. On the one hand, with the right choice of a niche, it can bring the greatest profit to its owner. On the other hand, you cannot hope for long-term income without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face the strict restrictions of the franchisor.
Read separate post, and you will find out what other pitfalls await you in.
8. Precious metals
13. Own website
Website development is one of the most popular ways to invest in this too. there are a number of reasons:
- small initial investment;
- efficiency of creation;
- you can start earning right away;
- passive income in perspective.
With all the advantages, it should be borne in mind that competition in this area is huge.
And before starting a project, you need to understand all possible ways of monetization and promotion. Ideally, the investor should deal with these issues on his own, then the income will be maximum.
14. Social networks
The topic of making money on public pages in social networks does not lose its relevance. There are active discussions on the Internet whether you can still make money on your group or the train has already left. It is difficult to answer this question unequivocally. In any case, those who started a couple of years ago have clear advantage... In general, it all depends on the organizational skills of the investor and experience in promoting projects.
In any case, doing social networks yourself, you do not need a lot of money. With a successful combination of circumstances, you will receive a good income from the sale of advertising; with a bad experience, nothing will prevent you from selling a unprofitable group.
15. Education
At the initial stage of your career, it is very important to invest money in acquiring knowledge. New skills make it possible to establish yourself as a competent specialist and earn more money for a comfortable life in the future.
16. Structural products
A stable way to invest savings, which gained popularity at the height of the crisis and is still used today. The essence is in the division of capital and the investment of the main share of investments (80%) in bonds and the remainder (20%) in futures and options. This combination allows the investor to receive up to 40% profitability if successful, and if it fails, to remain with his funds.
Pay attention to the comparison table below (click on the picture to enlarge it):
Based on it, we can conclude that structured products have the highest profitability with relatively small investments.
The profit may be higher when it comes to, but it is important to carefully monitor news and analytics.
17. PAMM accounts
Investing in PAMM accounts is the transfer of free money to a trader for a temporary order in order to increase it as a result of trading on Forex. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. In case of a loss, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.
Conclusion
As you can see, there are a lot of worthy options where you can invest your free money. The entry threshold for the listed alternatives is affordable, so you can try all the tools and find the right one with little or no cash loss. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.
Cash depreciates over time, that is, it loses its purchasing power due to inflation. This process is ongoing. That is why keeping your savings under the mattress is unprofitable and unwise. Funds need to be invested profitably. Only then can they be preserved and increased.
Do not think that only wealthy people can profitably invest money in Moscow or another city in the country. Every person should be able to properly manage their savings. At the same time, the main danger for any investor is the lack of information. That is why you need to study the experience in detail successful people, basic rules for investing money, expert opinions, and so on. It's worth starting your journey by reading this article. If you are interested in information on how to properly work with online investments, then follow the link. Important: come back, there is a lot of useful information here!
Basic investment principles
There are 5 basic principles which should be adhered to by everyone who wants to get a good return on their money with the least risk. They are formulated taking into account the experience of the world's leading investors. Ignorance or disregard for these rules can be costly. Let's take a look at each principle separately.
Principle 1. Create a financial cushion.
Investing money is strictly prohibited without a certain financial base. The only exception is a bank deposit. After all, it is, rather, not an investment, but a savings instrument. Investing is often associated with risks, investing money you must understand that there is always a chance of losing it.
What is a financial cushion and how to create one? It is about a six-month supply of money on which you and your family can live, maintaining the usual standard of living without other sources of income. To create such a cushion, you need to regularly set aside financial receipts (such as salaries) or sell existing property.
If your family spends 50 thousand rubles a month, you need to collect at least 300 thousand rubles. Only after that is it worth thinking about what you can profitably invest money in.
It is worth noting that profitable investing of money can be done without a financial cushion only if you have passive income... It is called the flow of incoming funds that does not depend on daily efforts. This can be income from your own business, renting an apartment or dividends on stocks.
Principle 2. Diversify your money invested.
In order for the money to work correctly, think about what it can be invested in in order to comply with the principle of diversification, that is, division into different instruments. This concept probably familiar to you. In other words, it means "don't put all your eggs in one basket." After all, if it falls, you will be left with nothing. The same will happen with your funds if they are invested in one project. Always adjust your investment portfolio: let's say your investments have grown over the year in one of the industries. Then you need to add some of the money to other projects so that the invested finances do not accumulate in one area.
Diversification involves investing money not only in different financial instruments, but also in the industry. For example, if money is invested in the stock market, shape your portfolio so that it works in companies in different sectors.
What is an investment portfolio? It represents the aggregate of all assets of the depositor. If you have invested money in business, stocks, real estate, all these profit-making tools will be called an investment portfolio.
To make it as resilient as possible to market changes, it is recommended to distribute savings among the banking, oil and gas, manufacturing, agricultural and food sectors. If one area suffers losses, the rest will "pull" funds up and prevent the investment portfolio from sinking.
Principle 3. Control risks.
The risks are the main problem that absolutely all investors face. Before investing money, consider how much investment you can lose and where you can recoup it. Only after that is it worth predicting the possible profit.
Unfortunately, novice contributors make the same mistake. Having overestimated their strengths and experience, they immediately choose aggressive investments instead of investing in more conservative instruments. As a result, the depositor loses all his savings.
Profitable investment of funds is as much a science as any other professional business where a serious approach is required. That is why it is necessary to evolve in this direction gradually, moving from simple to complex.
Start at $ 100 or $ 1,000. It is not worth investing large sums of money, especially in what you know little about. Never take loans or credits with the hope of multiplying them in some super profitable way. In 99% of cases, this ends with the loss of the entire amount and debt obligations. Agree, no one wants to stay in debt for 500000 or even 1,000,000 rubles
Thus, there is no need to rush. The future millions will not run away if you take the time to become a good expert in this area. Otherwise, it is impossible to make a lot of money.
Principle 4. Attract co-investors.
As you gain experience, you can invest together. This way you get more options and can choose the most profitable investment.
For example, you know about a profitable and reliable project or tool, you have free funds, but they are not enough. Then it is worth finding people who are ready to support this investment idea and invest on an equal footing with you.
V Lately trading accounts have become a fairly common topic. In this case, people transfer their savings to a professional manager in trust. However, he cannot dispose of them on the basis of ownership. Funds can only be used to make a profit. The manager receives a percentage of it as a reward for good work.
Thus, several investors can create a trading account and transfer it to trust. They assume all risks in proportion to the money invested. At the same time, depositors can agree with the manager to stop working when losses are incurred in a specific percentage.
IMPORTANT: Summing up such a scheme, one can see that experts agree that better investors willing to donate, for example, 15% of their savings to earn 30%.
Principle 5. Create passive income.
Increasing capital is very good. However, it is equally important to create passive income from investment activities.
Let's say you invested 100 thousand rubles in 2018, and after 1 year, in 2019, you received 130 thousand rubles. In this case, the earnings are 30%. But there is no guarantee that next time you will receive the same amount. It should be borne in mind that the yield of 30% is much better than the banking one. This means that the risks are also higher. If something goes wrong, you could lose all or most of your savings.
ADVICE: On the other hand, if for 100 thousand rubles you could create passive income for yourself (for example, the same 30 thousand rubles a year), you can easily take out a loan for the same amount. These funds should be invested more conservatively. The asset and passive income will act as a guarantee of the return of the borrowed money.
How much money can you start investing with?
You can start investing savings in Moscow or any other city in the country with any amount. If as investment instrument you have chosen a bank deposit, earnings on the Internet or promotions, even 100 rubles will be enough.
What if there is no money at all? In this case, you need to start saving at least 10% of any income. Thus, a habit will be formed to create a financial reserve for yourself. As income rises, savings will increase proportionally. The invested funds will work, and you will have a rest.
All famous people who teach the correct handling of finances and, by their own example, will show where it is better to invest, say that it is necessary to save money. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.
Unfortunately, many people spend even more as their income increases. Some even take out loans because they do not have enough money all the time. In this case, it is impossible to become a successful investor and earn the desired amount. That is why you need to constantly monitor the balance between income and expenses, live within your means.
Where to invest money to make it work?
Today you can find a lot of information about where to invest. There are both traditional and more modern methods.
Banks
Bank deposit is the most popular way to invest your money. However, the income received is barely comparable to the inflation rate.
The advantages of this method include:
- high reliability;
- high liquidity;
- the minimum threshold for investing money;
- simplicity and clarity of the investment instrument.
Disadvantages of a bank deposit:
- low profitability;
- loss of interest in case of early withdrawal of funds.
The property
You can invest in residential or commercial real estate... Of course, in the second case, you can earn more. However, buying a commercial property requires a lot of knowledge.
Pros:
- the opportunity to make money on the difference between the cost of buying and selling;
- the opportunity to receive passive income by renting out real estate;
- protection of funds from inflation;
- the ability to invest in real estate for their own needs.
Minuses:
- low liquidity;
- high entry threshold;
- susceptibility of objects to mechanical damage.
Mutual funds
Such organizations represent a form of collective investment and use funds from individuals. In other words, mutual funds take shareholders' money and purchase shares of certain companies for them. The received profit is distributed in proportion to the contributions of the participants.
Pros of mutual funds:
- interest based on the results of the reporting period is often higher than in the bank;
- a wide range of investment instruments;
- small initial investment.
Cons of mutual funds:
- the complexity of the process of investing funds in comparison with bank deposits;
- relatively large risks.
Trading accounts (Forex market)
In this case, the money is transferred to the management of a professional trader. He makes foreign exchange transactions in the Forex market. At the same time, account holders can control their savings and, if necessary, stop the manager's work and withdraw the earned money.
Pros:
- small entry threshold;
- high profitability;
- the ability to change the manager at any time;
- the ability to withdraw money at any time;
- no need for special skills and knowledge.
The only drawback of trading accounts is the high risks. Every manager can lose money regardless of his experience.
Binary options
In this case, the trader determines whether the value of the underlying asset will be higher or lower than its current price by the time of expiration. If the forecast comes true, he makes a profit. A very simple and quick way to make money, however, the risks are appropriate: without a clear strategy, you should not mindlessly invest.
Pros:
- a large selection of trading instruments;
- the ability to plan potential profits;
- the ability to trade anywhere and anytime;
- simplicity and short-term trading;
- small entrance threshold.
Minuses:
- high level of losses;
- lack of the possibility of early closing of the transaction.
Issuance of microloans through the exchange
In this case we are talking about P2P lending, that is, when the lender and borrower are ordinary citizens... They cooperate through various exchanges without the participation of banks.
Pros:
- a small entry threshold has been set;
- the creditor independently decides to whom and on what conditions to issue money;
- access to the system and work with clients are carried out around the clock;
- the lender can diversify capital, that is, consider an unlimited number of applications and conclude any number of transactions.
Minuses:
- insufficient protection of investors (often they have to independently chase after people who do not return loans);
- the inability to fully check the borrower's solvency;
- many exchanges are HYIP projects.
Business
Do you have an entrepreneurial streak and a certain commercial background? Then your own business can become the most profitable investment. There are also certain risks here. However, the investor can flexibly manage them, since he makes decisions on his own.
Pros:
- the investor independently manages the funds, building and optimizing business processes;
- it is quite easy for business to find a pool of investments, which allows attracting additional funds;
- it is easier to get a loan for a business than for other investment instruments.
Minuses:
- high risks of loss of funds;
- low liquidity of many assets;
- the need for personal involvement in running a business.
Securities
Using this tool requires professionalism and skill. There are many examples when the shares of some companies have grown several times in a short period of time. However, there are hundreds of other organizations that have gone broke. Nobody advertises this. There is no guarantee that the money invested will bring profit.
Pros of securities:
- you can get high profits;
- you can independently come up with an investment scheme;
- you can even invest small amount money;
- the resulting profit and loss depend only on the investor.
Minuses:
- certain knowledge is required;
- expected income is unstable.
Precious metals
Precious metals have always been highly valued, and their value increases every year. That is why this method is one of the most reliable. Money can be profitably invested in gold, silver, platinum and palladium.
Pros:
- the presence of various forms of investment (ingots, coins, compulsory medical insurance, securities, which are provided with precious metal);
- relative stability of the exchange rate;
- preservation of the value of metals for a long time;
- protection of funds from inflation.
Minuses:
- relatively low level of liquidity;
- slow growth in value;
- high tax on the purchase of bullion;
- high spread when purchasing coins;
- at opening OMS receipt profit is possible only if the cost of the metal rises.
Art
Paintings, sculptures, antiques, vintage cars and so on are considered as an investment asset. The money invested in art can be easily withdrawn back by selling exhibits at an auction.
The advantages of this method:
- the opportunity to get ultra-high profits;
- increased resilience to economic and political shocks;
- minimal risks.
Minuses:
- large entry threshold;
- low liquidity;
- the complexity of assessing value and authenticity;
- long-term investment.
Venture funds
Venture funds accumulate investors' funds on their accounts, which are invested in the development of startups. The most popular are innovative and high-tech projects, because their prospects are much higher, and high-tech startups require initial capital to get started, but the revenue is much higher.
Advantages:
- maximum profit from investment of money, if the project is successful;
- small entry threshold;
- the opportunity to gain useful experience.
Flaws:
- big risks;
- relatively long terms for the project to reach self-sufficiency.
HYIPs
is a pyramid-based investment fund. In this case, the money is paid at the expense of new depositors. How to make money in such projects can be easily found on the Internet, this industry is built on advertising noise and each developer tries to make the project as accessible as possible.
Pros:
- crazy profitability (1-3% per day);
- high rate of profit;
- low entry threshold;
- complete anonymity of all participants in the process.
Minuses:
- a high level of risk, since it is difficult to predict the time of the hype operation;
- lack of a chance to recover lost funds.
Cryptocurrencies
- this is the same money, only in digital format. We are talking about Bitcoin, Litecoin, Namecoin and so on.
Pros of investing in cryptocurrency:
- the opportunity to make money on the difference in the exchange rate;
- small commissions for transactions or their absence;
- small entry threshold;
- uncontrolled exchange of money between users.
Minuses:
- high volatility;
- lack of guarantees for the safety of funds;
- obligatory availability of certain knowledge.
CPA websites
If you are looking for where to invest, you can also choose to invest in an information site, forum or blog. It must be created for a CPA affiliate program. These sites host thematic traffic and affiliate links. The owner receives money for a certain user action (for example, buying a product, watching a video, downloading a file, filling out a questionnaire, and so on).
Advantages:
- various actions are paid for, and not just the purchase of goods;
- you can choose several affiliate programs at once;
- affiliate links can be placed even on sites with low traffic.
Flaws:
- non-transparency of relations between partners of the CPA network;
- possible disruptions to payments.
MFA Sites
MFA sites are built to make money on Google Adsense contextual advertising.
Pros:
- high cost of clicks due to competition among advertisers;
- minimum site requirements;
- availability of analytical tools;
- the speed of adding a site to the system.
Minuses:
- the minimum withdrawal amount is $ 100;
- the earned money can only be received by submitting a personal check sent by mail for collection;
- there is a risk of account blocking.
These sites are created to sell rental or perpetual links. Earlier this way of making money was very popular. However, today there is a decrease in income due to increased risks for buyers.
Pros:
- instant income;
- ease of earning;
- constant rise in prices.
Minuses:
- the risk of falling under the filters;
- decrease in the relevance of links;
- constant decline in positions.
Applications for phones
The easiest way to make money is with simple phone apps that can help you in some way. They can also combine helpful information on a specific topic. In addition, these can be free applications in which you can buy something while using it.
The advantages of this method:
- the investor needs a small amount of money;
- you can make good money if the application is unique and useful;
- the invested funds are almost impossible to lose, because it all depends on your efforts.
Flaws:
- a good idea is required;
- it takes a lot of time and effort.
This method can be called quite good. However, it is precisely the ideological active performers that are needed. Making money on the Internet is a very promising direction, if you pay due attention to it and approach it as a serious investment. 95% of public sites are now "dead", their owners spent their own funds on advertising and promotion, but did not receive the expected profit due to a frivolous attitude to the project.
This method has the following advantages:
- creating a public is very simple;
- investments are required only at the initial stage;
- You can make money on advertising or selling a public.
Flaws:
- you need to regularly publish material;
- you can get a ban from the moderators.
Investment in your development
If you want to invest money, choose investment in your development. This is the most profitable and risk-free way. If you don't invest in your development, everything else is practically pointless.
Advantages:
- the benefit reaches 100%;
- risks are minimized;
- so everyone can invest money.
There are practically no drawbacks to this option. You must be prepared for the fact that self-development will require a lot of effort and time.
Where should you not invest?
Almost every person has heard about making money in an online casino at least once in their life. And if not, then you've probably come across an ad that promises crazy profits without much effort. You just need to go through a simple registration, and then proceed according to a strict scheme. What is its essence? You need to place a bet. If you lose, it doubles up and bets again on the same color. According to Martingale's law, victory will surely await you soon. If the casino allows you to win, you need to immediately change the color. After that, the player acts according to the already familiar scheme. He bets, loses, and doubles. This continues until the person runs out of funds or wins.
There are various casinos among the methods of making money on the Internet. Some of them take 10-15% of the profit, and redistribute the rest between the players. However, there are not so many of them. Most online casinos take everything and only create the appearance of a game. They work for a while, get paid, and then disappear. Soon such casinos will start their activities again. However, they now operate under a new name and use a different site. How to make money under such conditions is a big question. The main difference between the casino is that everything is decided for you even before the bet, so keep this in mind.
I do not recommend investing in online casinos, because there is no easy money. But if you nevertheless decided to place a bet, then play no more than 2-10 minutes a day... It is during this period of time that the casino allows itself to be beaten. If you exceed it, you will lose all your savings. Casinos are masters of drawing your money and gamblers often go into the red. There are often cases when the thirst for easy money led people to a very unenviable position. If you are a gambling person, it is better to refrain from this earnings. Not only luck works here, but also a clear program and pseudo-random, controlled by the casino organizers.
Lotteries are analogous to casinos. In this case, the organizers sell tickets, for example to 10,000 rubles... There is one winning one among them. The winner receives 500,000 rubles, and the rest of the money goes to the organizers. The lucky one is photographed and shown to everyone as an example of the company's honesty. This allows organizers to raise even more money. But the likelihood of winning the lottery remains very small.
HYIPs are considered to be one of the most profitable ways to invest money. Such structures operate on the principle of a pyramid scheme. They attract investors' money, promising a high return on investment, which can reach 15-100% per month. Funds are paid as long as there is a stream of new depositors. We can say that HYIP is the same casino, because you can never predict what will happen in the end, your investments can both increase and disappear. Like any other pyramid, HYIP projects are a highly profitable industry, but with very high risks. I recommend making a few trial investments, and better even theoretical ones. Find any transaction that matches your planned investment and watch it. It is most convenient to keep track of several projects, so you will learn how to pay attention to trends and understand the mechanics of how HYIPs work. Be skeptical about the opinions of experts advertising HYIPs, remember that they get paid for it.
The principle of operation of such structures is quite simple and straightforward. First, the pyramid itself is created. After that, active hype advertising begins on the network. People think they are putting their savings in something real (like Forex, futures, stocks, etc.). However, nothing is actually invested and everything is in one place. As soon as the creators see that the expenses exceed the income, they close the project. All those who invested money in HYIP and did not manage to withdraw it are left with nothing.
Such pyramids live from 1 day to several years. It is on what project you face that your win or loss will depend. It is worth noting that most HYIPs are closed on the very first day due to the lack of experience of their creators. However, there is a small category of admins who have been running their projects for years. This suggests that progress does not stand still. The creators of such schemes are coming up with more and more new ways to work longer and earn more.
I have experience with such pyramid schemes. At first, I didn't have anything good from HYIPs, although there was still a profit from time to time. Today I am receiving a stable income. However, as I said, every time the HYIP admins come up with something new, and because of this, it is increasingly difficult to distinguish them from normal investment projects. That is why, if you have never worked with financial pyramids and do not know how everything works, you should not invest in such projects.
Remember that you can invest in HYIPs, but only their creators benefit from such investments. Also, those who managed to enter and exit the project on time can get profit. Unfortunately, there are not so many such people. If you do decide to participate in the hype, choose a project with a longer history of work in the market. In addition, it is necessary to closely monitor its activities. If you have the slightest doubt, you need to quickly withdraw your savings with interest. However, this does not guarantee the safety of your finances.
Also, do not invest in illegal and morally unacceptable projects. We are talking about the sale of drugs, weapons, counterfeit goods, the organization of brothels, shell companies that launder money, fraudulent schemes in the real estate industry (for example, the eviction of single pensioners, re-registration of housing, corruption during construction), and so on. Even if you are promised high profitability and stability, you must understand that, firstly, you will have to answer for this, and secondly, it will be unpleasant and uneasy for you to spend the money received at the expense of the suffering of other people. To live in peace look for honest and socially acceptable ways to earn money... Only in this case will you find financial freedom and spiritual harmony.
Assistance in creating an investment portfolio
Do you want to make a profitable investment in Moscow, but doubt your abilities? Then contact me. I have been investing on the Internet for over 5 years and have consistently made a profit. Readers of my blog can order a professionally assembled portfolio for free. To do this, just write to the mail [email protected]... In the letter, indicate the amount available, the desired profitability and a list of projects in which you have already invested. I will do my best to ensure that the portfolio I have collected is profitable and successful.
Many who have spare funds want to invest money to make them work. At the same time, it is important that the income received exceeds the inflation rate. At the same time, every investor wants the risk to be minimal. In such a situation, one cannot do without studying modern investment options.
Before proceeding with the analysis and comparison of options for investing money, you should remember a number of rules. They help you invest as efficiently as possible. Below are expert tips to avoid most investing problems.
- Only free money can be invested. In other words, the amount that can be invested is defined as the remainder of the income after payment of basic payments and needs. You should also not risk your own money, borrowed or borrowed. If you do not follow this rule, you can get into a difficult financial situation... There are cases when the families of the investor were left without a livelihood. In addition, there is a risk of loss of funds, which will lead to the inability to pay the loan. The result can be a bad credit history.
- You should not expect that you will immediately be able to provide for yourself by receiving passive income. Most likely, at first it will be too small to provide a comfortable existence. Therefore, at first, most of the earned funds will have to be reinvested, that is, directed to increase the invested capital.
- Follows in mandatory draw up an investment plan. It must clearly indicate all the parameters for investing money. First of all, such a plan should fix which investment options and in what proportion will be carried out. At the same time, it must be flexible enough and easily adapt to changing conditions.
- In order not to lose all invested funds, the risks should be diversified. That is, you cannot invest all the capital in one investment project... It is best to choose at least 3 suitable options. The likelihood that three projects will turn out to be unprofitable at once is small. With proper analysis, at least one will make a profit.
- It is important to constantly monitor the money invested. Regular monitoring of the situation allows you to make the right decision, as well as adjust the financial plan if necessary.
- You should not get involved with dubious projects that promise huge profits. In this case, there is a high probability of encountering fraudsters, which means that you will lose your invested funds.
These simple tips help even novice investors to correctly enter the financial investment market. Do not forget that investing is also work. Without regular analysis of the situation, it is unlikely that it will be possible to make money.
Top 10 most profitable investments in 2020
Instability economic situation leads to the fact that the profitability of investment products is constantly changing. It is important to calculate everything possible options and coordinate them with the prevailing circumstances in the country and the world. In search of an answer to the question of where to invest money profitably in 2020, experts have compiled a rating of the best options.
Investments in small business development (Alpha.Digital platform)
For those who decide to start investing with an amount of 100 or more thousand rubles, investments in a small business through specialized sites are excellent. Most often, these options are offered large banks... They develop investment products. By investing money in them, the owner of the funds essentially credits the companies selected by the bank.
Despite the fact that the risk in this case completely falls on the shoulders of the investor, it can be noted that it is relatively low. This is due to the fact that the money invested is distributed among a large number of organizations.
An excellent example of a site that offers to make a profit in this way is Alfa.Digital, organized by the bank of the same name. The following investment conditions are offered here:
- yield up to 30% per year;
- payments are made once a week with accrued interest;
- the minimum investment amount is from 100 thousand rubles.
Investments in P2P lending
The P2P lending service allows you to invest almost any amount. In fact, it is a so-called social loan. Both the borrower and the lender in this case are private individuals.
This option is a very profitable investment. The percentage of P2P lending is about one and a half percent per day. True, about half of them will have to pay for a service that performs intermediary services.
For those looking for P2P lending services, you can explore two interesting portals - Vdolg.ru and Loanberry. The first site accepts investments in the amount of 4 thousand to 10 million. This amount is enough to invest money and receive monthly income. Loanberry allows you to start investing in loans to individuals from 1000 rubles with interest from 20-30 percent per annum. Moreover, now there is such a function when, for a fee of 5%, you can connect insurance against default, when the site takes over the payment of the debt in the event of a borrower's default.
Investing in Forex (foreign exchange market)
Many have heard what Forex is. However, not everyone understands that it is not limited to independent trade. Making money in the foreign exchange market by trading will require a significant amount of serious knowledge. In addition, without experience, it is unlikely that it will be possible to make money by trading on your own.
However, you should not refuse to invest money in Forex, it is enough to choose one of two popular methods:
- Pamm accounts represent a certain type of transfer of funds to the management of professional traders. In this case, you can even invest a small amount. It is determined solely by the terms of the selected PAMM account.
- Those who dream of concluding transactions in Forex on their own can use social trading systems or copy transactions of professionals. In the first case, based on the opinion experienced traders predictions of market behavior are made, which help newcomers to make the right decision. When copying trades, you should choose a trader to whom you have confidence in order to learn about all the trades they make.
When opening positions on their own, the investor has more opportunities to reduce the risk. This is due to the fact that in the absence of confidence in this or that forecast, one can refuse to conclude a deal. In PAMM accounts, all decisions are made by the manager himself.
Investing in startups
Investing in a startup is a profitable investment that can generate significant returns if successful. A startup in the financial world is a business project or idea that is at an early stage of development. It is only natural that even the most best projects need an infusion of funds for their implementation. However, not all idea owners have free funds. Therefore, they are forced to seek help.
It is unlikely that it will be possible to get a loan for the development of the project from the bank. This is due to the lack of confirmation of the profitability of new projects. New businessmen come to the aid of investors who prefer to invest in promising projects at the stage of their inception. The main difficulty of investing in startups is that it is very difficult to determine which project will turn out to be profitable and which will bring a loss.
Investing money in mutual funds
A mutual fund or mutual fund is a promising investment that can be classified as a type of collective investment. Investors (in this case, they are called shareholders) acquire a part of the fund's property, which is called a share, and wait for its value to rise. In fact, such investments should be long-term, in this case the probability of making a profit is the highest. The advantages of the mutual fund are:
- a high degree of protection from the state;
- no need to have special knowledge;
- low entry threshold - the cost of a share starts from two thousand rubles.
The profitability of a mutual fund depends on the investment strategy that it uses. There are moderate, conservative and aggressive funds. In the order in which they are listed, profit grows. But do not forget that the risk is directly dependent on it.
Experts recommend that if an investor, in the course of choosing where to invest in 2020 is profitable and safe, gives preference to mutual funds, choose funds for investment that invest the collected funds in the field of IT technologies. Today they are the most promising. In addition, such mutual funds are distinguished by the best combination of profitability and risk.
Investments in investment or endowment insurance
Investment and endowment insurance programs are a combination of a profitable financial product with insurance. When concluding an investment insurance contract, the client receives a number of advantages:
- guaranteed profitability of 13% from the state due to tax deduction;
- investment profitability due to the management of your money by an investment or management company;
- the ability to open a deposit for a longer period than ordinary deposits.
- Free life and health insurance;
Endowment insurance allows you to solve two problems:
- protect yourself in case of financial problems;
- accumulate a significant amount of money through effective cash management.
Investments in securities (via IIS)
Those who decide to invest in stocks and bonds should open an individual investment account. This can be done by contacting brokers or a management company. Most often in the stock market, investors make money in one of two ways:
- Independent trading involves opening deals solely based on the knowledge of the investor himself. In this case, it is unlikely that it will be possible to make a profit without experience and certain skills.
- Copying the strategies of experienced managers. Such a profitable investment, for example, is offered by the Finam company. It is implemented using the Trade center service. It is enough to choose a strategy and connect to it so that all transactions made on the professional's account are transferred to the investor's IIS.
Investing money in real estate
This method requires the investor to have a fairly large sum of money. The amount of capital depends on the region and the type of property being purchased.
With the aim of making a profit, you can purchase both residential and commercial real estate. There are several options for making a profit with this method of investing:
- buying real estate for the purpose of subsequent leasing;
- purchase for resale.
In the second case, it is possible to increase the size of income by buying real estate under construction or by acquiring dysfunctional or "grandmother's" apartments and selling them after renovation.
It is important to remember that the sale of property that has been owned for less than five years creates an obligation to pay income tax.
Bank deposits
Deposits have recently been losing their popularity. This is explained by a decrease in the level of interest rates. However, they deserve attention. Despite the fact that this option is not a real way to make money, if you invest money with interest on the deposit, you can reduce the impact of inflation. Deposits are suitable for those investors who do not have enough luggage financial knowledge as well as large capital.
A deposit can be opened even for small amounts - many banks offer to conclude an agreement for one thousand rubles or even less. For many, the defining indicator when choosing a contribution is interest rate... In connection with the deposit insurance system operating in our country, the choice of the bank has faded into the background. In search of where it is more profitable to invest money, you should pay attention to the programs offered by Tinkoff Bank. The rates here are always at a fairly high level.
Investments in MFIs
Investments in MFOs allow you to invest your own capital at a high percentage. In this case, you do not need to have any additional knowledge and skills.
Nevertheless, this option is not suitable for everyone. Most companies set a fairly high minimum entry threshold. Traditionally, it is at the level of one and a half million for individuals and 500 thousand for legal.
Thus, there is no universal answer to the question of where to invest money. The decision must be made for each case separately, focusing on the amount available, as well as the desired risk and return.
Although most people would like their funds to be profitable, only a small percentage decide to invest them, fearing any difficulties and restrictions.
Anyone can become an investor and receive, even having an amount of 500-1000 rubles, since there are assets where you can invest a little money.
To help novice investors, below will be presented options for where to invest a little money so that they work, the specifics and pitfalls with various profitable assets, as well as a number of recommendations on the topic.
Here you will find real investment options for small amounts that are suitable for people with almost any income.
What does a small amount mean
According to Rosstat, the average salary in Russia is just over 45 thousand rubles. Of course, it varies significantly depending on the region and in fact fluctuates on average. from 20 to 50 thousand... Almost everyone can save 10% of their income, thus having 2-5 thousand rubles per month.
But it is important that the amount that you set aside to earn money in the market was not to the detriment of your financial situation... Roughly speaking, you do not need to save on food and eat doshirakas in order to buy a couple and wait for the payment of dividends on them.
V modern conditions even a thousand rubles can be an excellent start for earning money and increasing capital.
Money makes money.
This is a favorite phrase of all investors and traders.
For earnings, this amount is not large, but it may seem so only at first glance. In fact, investing only 3,000 rubles a month and receiving from them an average of 1.5% per month or 18% per year, in 10 years the investor will have a million rubles on his account, and in 20 years - already 7 million.
The secret to the growth of profitability in this case is the efficiency of the use of which grows along with the investment period.
Of course, in some cases it makes sense to invest a little more in order to earn more tangible profit: for example, 15-20 thousand rubles deferred for several months. Consider specific options for where you can invest a small amount of money and what potential such investments may have.
Now let's give one real example.... Let's take the amount of investment in 2000 rubles, which all citizens of a country with average earnings can afford. We open a brokerage account with an average yield of 25%, which, according to statistics, is inherent in earnings in the stock market. Let's take 2% yield per month.
Let's imagine that over the course of 20 years we will replenish this account with 2,000 rubles. And after this period, the account will already have 11,800,000 rubles! It's hard to even imagine such a sum. But it's real! It all started with this small amount of 2,000 rubles.
20 years may show a lot for someone, but even if you are 40 years old, then you probably already understand that at 60 you will not give up that kind of money and it will be very useful to you.
Where to invest small amounts of money
There are many options for multiplying money. And everyone can choose the one that suits them based on the amounts, risks and potential income. Below we will analyze the most proven and popular ones.
There are specialized services that allow startups to find funds to implement their projects, and investors can profitably invest their money, helping to develop other people's ideas. Such sites are called.
On them, the investor can evaluate the proposed investment options, the expected timing and profitability, and then choose the most suitable one for himself. We can mention Napartner, Planeta, Startupnetwork and others.
The Napartner platform features many projects at different stages: idea, prototype, start-up and expansion. The startup organizer indicates the essence of his business, the required amount of investment, the percentage of profit that the project investor will receive in the future, as well as the estimated payback period.
Amounts and terms can be very different, depending on the type of business, and the future share of the investor, as a rule, varies from 10% to 80% future profits. For example, a startup is looking for 6 million rubles to open an Internet hypermarket of building materials. In the future, the investor will receive 30% of net profit with a payback period of only 1 year. As you can see, there are options where it is profitable to invest a little money.
At the same time, it is profitable to invest a small amount of money, becoming a full-fledged sponsor of a separate project on the resource, it can be difficult, since the number of cheap startups on it is small. Now the most affordable of them requires an amount of $ 1,350.
However, a huge plus of such services lies in the availability of joint investment opportunities - even in the largest and most expensive one, you can invest any amount, becoming one of the many investors, between whom the profit will subsequently be divided.
Thus, you can invest in an expensive large-scale project even if you have $ 100.
Bonds
When choosing high-yield bonds, you need to remember about the very real probability of default on them, which is why you should pay attention to large issuers with a good reputation and stable financial position.
Corporate debt securities are no different high reliability, like government, but they are one of the most balanced options for where you can invest small money in terms of the ratio of return and risk.
An example is the bond issue Mechel 17 about... The corporation offers holders a coupon at the level of 10.38%, paid every six months. At the same time, a really small amount of money can be invested in securities, since the lot size for them is one bond, and the par value is only 350 rubles.
The market price for them practically corresponds to the face value, which allows you to start investing with an amount of even less than 500 rubles, and this is a fairly reliable option where you can profitably invest a small amount of money.
It should be borne in mind that in Russia, private investors will have to pay personal income tax from all income received on corporate bonds.
Private lending (P2P lending)
A risky, but quite attractive option of where it is profitable to invest small money is considered P2P lending, or the issuance of loans to individuals.
You can turn your borrowing into a regular investment activity... For this, there are various services, one of the most famous of which is WebMoney and its credit exchange.
In order to use this service, you must confirm your identity with a personal certificate of the service, which reduces, but does not exclude, the risks of fraud and non-return.
Of course, lending from individuals is more expensive than from banks, which allows an investor on the Webmoney credit exchange to receive an income from their investments per month equal to the interest on bank deposits for 2-3 years.
At the same time, it is quite possible to start investing with $ 100 on the account.
Thus, investing relatively small amounts, you can count on a potential income of 100 percent or more per year.
However, this is possible only in theory, since in practice the share of non-refunds in total amount debt, reduces profits by up to 50%. Of course, there are risks everywhere and this is not a reason not to do it.
Digital options
This way of investing money is considered trading rather than investing. However, digital (binary) options are still one of the options for where to invest a small amount of money with a lack of funds for more serious investments.
The attractiveness consists in high profits - from 70% in just 10-15 minutes.
Websites
Investing money in sites implies active income, not passive, since the site needs to be managed, new content added or advertised.
Even if you want to do any service or paid service, you need to constantly monitor your performance and attract new customers.
If we talk about small investments, this means that you will need to add content to the site yourself and spend a lot of time promoting it, for example, publishing links to your site on forums and social networks.
But there are more simple ways- for example, buy a ready-made website and add ads to it Google adsense , and then passively receive profit from advertising.
You can choose and buy a site on the largest exchange Telderi.ru. But even for this, you need to understand a little about the site's indicators in order to distinguish a profitable and promising project from a loss-making one.
Profitable sites sell for various reasons - urgently need money for a new project, another more profitable; a person is engaged in creating websites and selling them; the main work of the current owner does not leave time for the development of the site; the site is just tired of the owner and there is no desire to deal with it, it also happens.
Some people are only engaged in buying sites. The payback rate of the project is up to 8 thousand dollars in about a year or two. The more expensive the site is, the longer the payback period.
Investing little money in currency
This way of investing is a bit similar to the classic trading on.
The purchase of currency can be carried out both with the help of banks familiar to us, and in the terminals of specialized brokers. The largest are those - which have been on the market for almost two decades.
Let's take a look at the example of a popular and well-known currency pair. By the way, remember that famous collapse of the ruble, when the dollar rate rose from 30 rubles to 70? Many have made money on this, especially since the dollar rate has been growing for quite a long time. Those who were able to invest in time, even if small money, made good money. And in the world, such fluctuations occur constantly.
Wherever you invest money, you always find out how it works, what it can bring. It's the same with currencies. It is necessary to analyze the market situation before investing even small amounts in 500-1000 rubles... If everything is done correctly, then this thousand can multiply with just one transaction.
For example, here is the result of one of our GBP / NZD trades with a broker in just one day:
At first, you can invest in the so-called safe-haven assets - the Japanese yen and the Swiss franc. The latter is one of the most stable at all. This is a kind of analogue of gold in the foreign exchange market.
Many professional and large traders do not open deals every day, but wait for a good moment and open positions for a month or more. This is more like investing, not trading. And the profit is also high here.
Someone else's business
Risky enough, but very promising option what to invest a little money in to make it work is someone else's business.
An advantageous difference from your own business in this case is the absence of the need to constantly spend your time, as well as a lower entry threshold.
There are several options for such investments:
- Stock... Equity securities allow you to take part in the management of a joint stock company, and also give the right to receive part of its profits.
- Loan agreement with the founder... In this case, the return of the debt will not legally depend on the success of the business, and the amount of profit will be agreed in advance as a percentage of the amount owed.
- Investments in business development as an investor... This can also include startups, but in addition to them, you can invest in the development of a ready-made business, for example, in the opening of new directions or points.
Investing in a ready-made business is not through stock exchange and brokers will always go their own way. These can be contracts, the acquisition of shares outside the exchange, all sorts of agreements.
Just think, maybe there are people in your environment who work for a good company, where you could invest money. You just need to make an offer and start negotiations.
The disadvantage of such methods is the increased risks.
Bank deposit
The bank is the most proven, reliable and less risky way where you can invest small amounts of money. Its essence lies in the fact that you conclude an agreement with the bank, within the framework of which it not only stores your money, but also calculates profit on it in the form of interest. It can be obtained after the expiration of the contract.
At the same time, you can invest money at interest, starting with almost any amount.
Well, and the bank uses these funds in its financial transactions and trading in the market in order to get more profit from additional cash.
The guarantee that you will receive your money is compulsory insurance of deposits in the amount up to 1.4 million rubles... Roughly speaking, if your deposit is just not more than this amount, then the bank will pay you it anyway, even if it goes bankrupt. Refunds in this case are at the expense of the state.
Naturally, the more money, the higher the profit. But seasoned pros advise “don't keep all your eggs in one basket”. - this is one of the basic rules of successful investment, which we will talk about later. Therefore, divide the amount of your deposit into several banks within the insurance.
If we talk about classic time deposits, then for most of them the minimum threshold is an amount of 5-20 thousand. However, there are proposals from relatively small banks that allow opening a full-fledged deposit even from 1000 rubles: for example, MTS Bank offers a deposit MTS Profitable, and Textbank - Profitable +.
In addition, there is such a product as a savings account, the minimum amount for opening which is only 1 ruble. Services for its provision are offered even by such giants of the industry as Otkrytie - on this account, customers are charged 6,17% annual. Perhaps this is not a lot, but you have already seen what you are capable of. compound interest.
OFZ
Federal bonds are considered a highly reliable asset, which makes the choice of options wide enough, since the investor does not have to discard proposals with a high level of risk.
There are various types of securities on the market, however, federal loan bonds with constant income are in the greatest demand for obtaining stable profits. The coupon for such instruments is set at issue and remains unchanged until maturity, which allows you to calculate your future income.
As an example, consider OFZ-PD 25083 with a fixed coupon equal to 7% from par. The positive point is that payments on it are made twice a year, which allows you to reinvest more often or just spend the profit you receive.
The par value of the security is one thousand rubles, however, due to a decrease in the Central Bank rates, there has recently been a general increase in interest in OFZs, which is why the bond is now traded with a margin of 2,4% from par. Accordingly, it can be purchased for 1,024 rubles and a guaranteed 70 rubles in profit will be received in a year.
Federal loan bonds are not traded in lots, due to which you can invest small amounts of money in them by buying one or more securities.
A significant advantage of investing in OFZs is considered to be the exemption of the investor from paying tax on the coupon income received. Corporate bonds are deprived of this preference, which somewhat reduces their real yield.
Despite the availability of investments and profitability, the OFZ profit does not suit everyone.
ETF
When you buy SPDR share, you buy a basket of 500 companies. If you bought these shares individually, you would need a lot more money.
The number of funds that are not tied to indices, but tied to the industry is growing, for example, PureFunds Drone Economy Strategy ETF (IFLY) invests in drone manufacturing companies. There are separate ETFs for various industries like oil, refining, biotechnology, medicine, fast food, and so on.
The average share price is $ 10-40. By buying one share, you are acquiring a whole portfolio. It is worth saying that, like mutual funds, these are more long-term investments. Large portfolios reduce risks, but also reduce profitability.
You can see the charts of more than 140 ETF funds:
Minimum deposit to start working on - $200 Moreover, when registering, you need to tick the box that you are a qualified investor. This is a formality from a European regulator, confirming that you understand the risks of financial markets.
Also, a broker with a 20-year history of work has popular ETFs in its assets:
Investments in gold and other precious metals
Recently, more and more people began to invest in purchases. But you don't buy bars or store them under your pillow. In fact, you won't even feel them. Upon purchase, all this is stored in a special account in cash equivalent at the bank.
As well currency market, a commodity is subject to short-term ups and downs. But for the most part, the major precious metal is rising in value in a long-term trend, as shown in the screenshot below.
It is not for nothing that gold has been considered the main asset of the refuge for many decades. This metal is not subject to inflation, which eats up your savings in bank deposits, devaluing some of the profits. Also, no economic shocks, political events, natural disasters, geopolitical risks affect the dynamics of gold. How, for example, a currency or the stock market can collapse in a matter of hours.
Gold in such unstable situations can only get even more support and begin to grow. Since all investors will begin to withdraw investments from risky assets and invest them in stable metals.
It would seem - since everything is so wonderful, why doesn't everyone invest in gold?
And this has its drawbacks. Namely, an inconvenient storage system, high taxation, and so on. You can store gold only through the banking system. Well, profit can only be counted on in the long term.
To summarize, you can invest in gold in quality. Investments in metal are available from 1000 rubles through banks.
The goal is to save or earn
The choice of an investment asset depends almost entirely on the goal of the investor. If he invests the last money in order to secure them from inflation, it is necessary to choose low-yield assets with a minimum level of risk. In turn, the higher the desired level of return for the investor, the more risky assets he should use.
If you are saving money to buy real estate or another important purchase, then risking money is not worth it. In this case, it is better to choose a bank deposit, since only it has a guarantee of return on the money invested even in the event of the bankruptcy of the organization - after all, deposits of up to 1.4 million rubles are insured by the Deposit Insurance Agency.
In search of the ideal option for where it is better to invest small money, investors often forget that it is not necessary to choose the only one, because even 300-500 dollars can be divided into several different assets. This will help keep your investment in the event that one of the investments fails and brings losses.
Basic principles of investing small money
Investing even small amounts requires taking measures that increase the likelihood of making a profit. Of course, it is impossible to completely eliminate the risk, however, following these tips can significantly bring the investor closer to the goal.
- Investing free funds... A good investor knows to invest only free, deferred money that will not worsen your standard of living.
- Having a goal and strategy... Investing is about analysis and forecasting. It is not worth investing money in any instruments just for the sake of investing - a good investor should know how much, in what time frame and under what conditions he would like to earn.
- Discipline... Following your own strategy should be mandatory for the investor, despite the fact that no one will control him. If the strategy suggests that it is time to sell one or another asset, you should not try to hold it further under the influence of momentary emotions - often such incidents end in losses.
- Reinvestment... The secret to good long-term profits is compound interest. That is why it is better not to spend your profit, but to invest again, expanding your investment portfolio.
- Regular investments... Since we are talking about where to invest a little money, the best way to increase your profits is to make regular investments. For example, if you save 2,000 rubles a month, the investor is unlikely to lose much in the quality of life, but at the same time will significantly increase the speed with which his profit will grow.
- Don't stop learning... Stay up to date with events, news and new promising directions. This is the only way to be the first to find promising activities and have time to “catch the wave”. As it once was with Bitcoin.
Where is it better not to invest
There are many ways to invest funds that attract an investor high profitability and quick profits. However, the proverb about free cheese has not been canceled. Consider a few assets that are undesirable to invest in.
HYIP projects
Various sites promising 50-90% profitability per month, which do not have a clear concept of how such profitability is achieved. As a result, they turn out to be just financial pyramids. Of course, it is possible to make money on such projects, but not at all. It turns out this, as a rule, only at the very beginning, because, after attracting a certain amount of money, they simply close and all participants know about it in advance. The goal is to have time to withdraw the deposit before closing.
For this reason, investing in various HYIP projects, financial pyramids, money multipliers, etc. are permissible only if the investor is aware of the risk and is ready to completely lose all invested capital in a short time. If it is a pity to lose money, it is not worth investing even small amounts in such projects.
Personal growth trainings
Self-development is the best way to invest, but for this it is better to read books and get a specialized education.
Various kinds of seminars and trainings have long become a business in which the goal in itself is not to teach clients how to invest, but to make money on what they come (give me 10,000 and I will tell you how to make money).
The vast majority of such seminars will not provide the investor with information and skills beyond those that can be found for free on the Internet, but at the same time it can significantly empty his wallet.
Microfinance organizations
The large percentage offered by the MFO against the background of bank deposits looks very tempting, but it must be remembered that such investments are not protected by the state, and a significant part of companies of this kind end up through bankruptcy when it becomes impossible to continue to partially pay out money to their first investors at the expense of attachments are as follows. For this reason, there is a very significant likelihood of losing your funds, and on a completely legal basis.
An investor must understand that if an organization offers income that is much higher than the market, and at the same time very profitable and comfortable conditions for investment, this should raise suspicion. There are a huge number of scammers working on the network who want to make money on novice investors - you need to learn not to fall for their tricks.
Conclusion
V modern world any person can become an investor, regardless of income level.
1000 rubles can become a million in the future.
There are many ways to invest a small amount of money as instruments stock market and in more complex and risky projects.
Depending on the type of asset, you can start investing both from 30 thousand and from 1 ruble, which gives a novice investor the opportunity to try his hand and earn his first profit in this industry.
If you find an error, please select a piece of text and press Ctrl + Enter.
One of the most available options"Where to invest on the Internet", and sometimes very profitable, is. Next, you can look towards the creation or ready-made Internet sites (online stores) for the purpose of further earnings or resale. Buying shares (shares) in already existing Internet projects is also an investment, albeit a rather risky one, since you do not fully know what real goals the organizer pursues.
Despite the obvious availability, I do not recommend investing in HYIPs, lending (loan exchanges), binary options, sports betting, because the risks are extremely high. As a rule, in the options proposed above, it is possible to work with the use of electronic payment systems, such as Webmoney, Yandex.Money, Perfect money, QIWI and others.
Where to invest 100,000 rubles (dollars, hryvnias)
First of all, it is worth deciding on the risks. If the main goal is to try to keep your savings, more conservative options are suitable, for example, bank deposits, purchase precious metals long term investment in antiques. With an amount of 100 thousand dollars, you can add an option with the purchase of real estate.
Considering more profitable, but also more risky options "where to invest 100,000 rubles", you can pay attention to the purchase of companies (Gazprom, Google, Yandex, etc.), (trust management). For more information on the pros and cons of the listed options, see the article above.
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