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 Invest money at interest every day large
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 a 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 in detail the experience of successful people, the 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 every person who wants to get a good return on investment 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. Investments are often associated with risks, when investing money you must understand that there is always a chance of losing it.
What is a financial cushion and how to create one? We are talking 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 should be noted that profitable investment 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.
For 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 various financial instruments, but also in sectors of the economy. 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 between the banking, oil and gas, manufacturing, agricultural and food sectors. If one area suffers losses, the rest will "pull" funds up and will not let the investment portfolio sink.
Principle 3. Control risks.
Risks are the main problem faced by all investors. 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 the same 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. Future millions won't run away if you take the time to become a good specialist in this domain. 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 will get more opportunities and will be able to 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.
Recently, 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 this scheme, you can see that experts agree that it is better for investors 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 the next time you will receive the same amount. It should be borne in mind that 30% yield is much better than banking. 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?
You can start investing savings in Moscow or any other city in the country with any amount. If you have chosen a bank deposit, earnings on the Internet or stocks as an investment instrument, 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.
Real estate
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 buy 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 large selection 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 commits 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. Each manager can lose funds, 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 (they often have to chase people who do not return loans on their own);
- 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 the most profitable investment can become your own business. 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 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 where 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 a small amount of 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 backed by precious metals);
- 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.
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 return on investment of money, if the project is successful;
- small entry threshold;
- the opportunity to gain useful experience.
Disadvantages:
- 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 sites
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.
Disadvantages:
- 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 be obtained only 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 useful 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.
Disadvantages:
- 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 pages 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.
Disadvantages:
- you need to publish material regularly;
- you can get a ban from the moderators.
Investments 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 probably met with ads that promise 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 money, loses it and doubles his bet. 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 probability 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 multiply 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 investing 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 come 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 sector (for example, the eviction of single pensioners, re-registration of housing, construction corruption), 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 restless for you yourself to spend 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 the list of projects in which you have already invested. I will do my best to ensure that the collected portfolio is profitable and successful.
At all times, enterprising people who know how to invest money under high percent, 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 are there 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 that, over time, can turn your 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 shares are a fairly 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 allow reducing 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 maximum amount compensation is - 1,400,000 rubles. By investing in one bank an 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 it is possible to 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) | by ACRA - B + low level 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 money 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 - you do not 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 changes in the value of a 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, 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. It is for this reason that 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. Speculation with real estate(resale) is already another direction that brings benefits, but not a stable percentage, in the current section we will pay attention solely to 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 premises, average daily number of people visiting a building or 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, then 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. In the case of holding shares for a longer period, the profit may be less, and more high risk general price reductions.
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 deal 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 income 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 minimum deposit;
· 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 to an amount that does not exceed the planned profit by 2 times, for example, in the case of AFK Sistema, the risk was limited to 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 based on the results of a year or longer, and are also particularly reliable and have minimal fluctuations during economic shocks, when it comes to government bonds.
Reminder: Bonds are securities and debentures, which give the right to receive the amount of debt with interest (coupon income). 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. On average, the profit per year 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 registration, it is enough to open an account with a forex broker and verify it by sending a scan of the 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 stock 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 - has been 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 rates, and adequate for large amounts and reliable borrowers. 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 (MFOs), 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 various 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 |
|||
Quick money | Monthly or at the end of the term, depending on the conditions |
|||
Kreditech Rus | Monthly |
|||
SMSfinance | At the end of the term |
|||
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 money, 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, as well as a deposit together with bonds, plus dividend shares, remain no less attractive.
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 - you 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 exchanges - you need to be able to calculate favorable interest and reduce the risk of default by setting appropriate screening criteria for borrowers, which only comes 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, 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 sharply 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 when early repayment you will lose all 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 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 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 yield 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 all over 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 prudent 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. It is also called " cash flow", A concept introduced 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 in your hands 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.
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 for earning 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.
In modern conditions, even a thousand rubles can serve as 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 the 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 profits: for example, 15-20 thousand rubles postponed 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 on 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! And 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 incomes. Below we will analyze the most proven and popular ones.
There are specialized services that allow startups to find funds for the implementation of 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 presents 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 turn your attention to large issuers with a good reputation and stable financial position.
Corporate debt securities are no different high reliability, like the state, however, 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%, which is 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 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 need to 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 defaults in the total amount of debts reduces profits 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 lies in the high profit - 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 also simpler 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 new project the other is more beneficial; 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 small 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.
The 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 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 keeps your money, but also charges them profit 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, the bank uses this money in its financial transactions and trading in the market in order to get more profit from additional funds.
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 it to you 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 term deposits, then for most of them the minimum threshold is the amount of 5-20 thousand. However, there are offers 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. This may not be a lot, but you've already seen what compound interest is capable of.
OFZ
Federal loan 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 a stable profit. 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 thing 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 the 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, you can buy it for 1,024 rubles and get guaranteed 70 rubles of profit 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 stock, you buy a basket of 500 companies. If you bought these shares separately, 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 profitability.
You can see the charts of more than 140 ETF funds:
Minimum deposit to start working on - $200 at the same time, you need to tick the box that you are a qualified investor when registering. This is a formality from the 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 have begun 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.
Like the foreign exchange market, commodities are subject to short-term ups and downs. But for the most part, the main precious metal is rising in value in a long-term trend, which is confirmed by 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 on bank deposits, devaluing part 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 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 protect 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 acquisition, 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 invested money even in the event of bankruptcy of the organization - after all, deposits 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 adherence to 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 says 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 it will significantly increase the rate at 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 with high returns 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.
All 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 overwhelming 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 arouse 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
In the 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 in both stock market instruments and 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.
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Hello dear readers of the "site"! In this article, you will find out where it is profitable to invest money so that you can get a monthly income, what ways of investing money are possible at a high interest rate with a guarantee, and how best to invest so that they work and bring profit to the investor.
This article was written based on the analysis of the experience of well-known investors, financial consultants, as well as the realities of the modern economy. Plus, the basic principles of investing are given, possible risks, the advantages and disadvantages of each investment strategy.
About where you can profitably invest your money in order to receive a monthly income and what options for investing money at a high interest rate with a guarantee exist - read the website in the magazineIn this section, we will talk about what is worth and what should not be done for young investors taking their first steps in investment activities... Consider the rules of effective investment, which will allow you to get a return higher than in a bank, but at the same time with almost the same reliability. Why almost? Because the main rule of the investor is :
The risks that the investor is willing to take on are proportional to the potential profit.
You probably can't wait to get started? Do you want us to reveal the secrets of where it is profitable to invest money in 2020 year at interest to earn even more as soon as possible?
We will disappoint you a little. The first thing to start with for a young, not yet fledged investor – from investing in yourself, in your knowledge and skills . Trust me, the ROI on this investment will surprise you!
And only then, when you already understand how a stock differs from a bond, what is the capitalization of an investment, who are brokers and traders, you can proceed to practice.
📝 Read also our article about how and how to become a successful investor from scratch.
2. 5 golden rules for investing money
Rule 1. Create an airbag
You should not start risky or not very financial transactions without a reserve for rainy day.
- How much should you keep in stock? According to experts, this should be the amount that will cover your expenses for six months;
- ? Defer from wages or other sources of income;
- How to calculate the size of the financial reserve? Calculate your monthly expenses. For example, you got 40 000 rubles. Multiply by 6 months, we get 240 000 rubles.
This is the reserve that you will not spend when investing. In order to make your first investment, you will need to save a little more.
So this will be forever! - you say. It is possible and faster if you have in addition to the salary passive income , that is, the monetary resources that you receive without making much effort ( renting out real estate, interest on a bank deposit etc.).
👉 Thus, if you put a financial reserve on a deposit in a bank, then you will kill two birds with one stone. Form a reserve and start receiving passive income.
Rule 2. Don't put all your eggs in one basket
Please note that you can trade directly in currencies, stocks and cryptocurrencies on the exchange. The main thing is to choose a reliable broker. One of the best is this brokerage company .
To avoid the need to use the financial reserve, you need to correctly distribute your funds in investments. You should not immediately invest all your free money in instruments that promise high returns. The risks that you will lose every penny are too great.
After all, you will not put a hundred fragile eggs in one basket? The likelihood that you will drop it 50 /50 ... And the risk that all eggs will break after falling is already much greater. This can happen with your funds if you decide to invest them all at once. only into one project.
Also, if you distribute your money to different banks, the same thing can happen. Better diversify investments, i.e. invest in different areas. Not only in banking, but also in oil, gas, information, production, etc. In the language of professionals, this is called an investment portfolio.
Investment portfolio- these are several investment instruments, combined together, differing in the degree of risk and profitability.
Depending on the chosen investment strategy, there are 3 types of investment portfolios:
- Aggressive the portfolio consists mainly of high-risk assets;
- Passive the portfolio is formed mainly from bank deposits;
- Moderate a portfolio includes both.
Rule 3. Assess the risks in advance
Before calculating the potential profit and thinking about where you will spend it, assess your possible risks and losses.
Don't build an aggressive portfolio right away. You risk losing everything!
Start small. From the amount that you are internally ready to lose (there is always a risk). And gradually build up momentum.
Take note! Under no circumstances use money received on a loan from a bank or borrowed from friends or relatives for investments. You run the risk of colliding with collectors and losing the trust and respect of your loved ones.
Rule 4. Choose collective investment
You don't have to invest alone. As your experience grows, you can invest in large projects by attracting co-investors. This will allow you to spread the risks to everyone. And the profit, respectively, too.
For example, if you have in mind some attractive investment project, but you do not have enough funds for it, then you can invite someone else to participate in it. There will definitely be someone who is ready to cooperate with you. on mutually beneficial terms.
If you are not ready to independently manage your investment instruments, you can use trustee services ... This is a company that will manage your funds in accordance with your chosen investment strategy. She can use these funds to make a profit, but she cannot dispose of them on the basis of ownership. The trustee receives a certain remuneration for his work.
When transferring funds into trust arrived and damages distributed among investors in proportion to their contributions .
Rule 5. Generate passive income
Investing and growing your capital is great. But do not forget that investments are always risky. Today you have income, and tomorrow you can lose it along with the invested capital. Alas, these are the realities of the modern economy.
10 profitable ways to invest money to keep it working and generating monthly income
4. Where can you invest money to make it work and generate income - TOP-10 profitable ways of investing
Today you can find a lot of financial fraudsters promising easy money, high profitability in a short time. They have nothing to do with real investments.
Therefore, we will consider time-tested investment tools that allow you to get a return on investment, taking into account reasonable risks. So, where is it better to invest in order to receive monthly income?
Method 1. Bank deposit
Bank deposits are among the most common investment instruments. True, the profitability of such an instrument rarely covers annual inflation in the country... Therefore, a bank deposit can be attributed rather to ways of saving rather than increasing your capital.
Bank deposit is the most popular and easiest way to invest money at interest
Low ↓ deposit profitability Is an honest payment for your peace of mind, because banking the risks are also small ↓.
And if the amount of your deposit does not exceed 1 400 000 rubles, you don't have to worry about anything at all. In accordance with current legislation, in the event of bankruptcy of a bank, the state will return all your money to you.
At the moment, the profitability of bank deposits fluctuates within 7 -10% , which is a couple of percent below inflation. We wrote about economics in the last article.
The most popular bank among the population is Sberbank , despite the fact that the interest on deposits in it is below the market average. The reliability of the bank, and not the potential profit on the deposit, is of decisive importance for many.
Pros (+) bank deposits are as follows:
- low risks, deposit insurance;
- the ability to return money at any time (sometimes even without losing interest);
- availability (you can start with a small amount, for example in 1 000 rubles).
The cons (-) include:
- deposit income at best covers inflation;
- in most banks, in case of early closure of the deposit, interest is lost.
Method 2. Securities
Securities, unlike bank deposits, usually bring higher profitability ... You can try investing in stocks or other financial instruments on the stock market, provided that you are ready to take on higher risks ... That's right, there is a detailed article on the site.
Investing in securities (stocks, bonds)
There are different types of securities. Let's consider the most popular ones: stocks and bonds.
Stock Is a security that confirms your stake in the company and gives you the right to vote.
Promotions are ordinary and privileged ... The latter have higher percentages, but there is no way to vote on general meeting shareholders. We wrote in more detail about what types of shares are in one of our articles.
Bond Is a security that confirms that you have borrowed a certain amount of money from the company that issued it.
Unlike a stock, it has a certain period of validity, after which it is subject to redemption. You can own shares for a lifetime and receive dividends.
Dividend- This is the income on a share, paid as a percentage of the par value of the security.
In addition, inflation eats up a certain amount of money every year. Therefore, investing in foreign currency for several years is not very effective. .
You can buy and sell currency on a special market called (from English Foreign Exchange – foreign currency exchange). In Forex, you can buy and sell almost any freely exchangeable currency. You can buy Chinese yuan for Japanese yens, Canadian dollars for euros, etc.
Forex works traders who buy and sell currencies throughout the day. Anyone (with the help of a broker) can buy and sell any currency in Forex. We recommend working only with trusted brokerage companies. Many successful traders trade through this broker.
Many companies offer training in the skills of working in the foreign exchange market. They attract potential investors with high returns. You should be vigilant and remember the main rule of investing: high incomes are associated with great risks!
Yes, in Forex you can increase your capital in a few months. But the risks of losing everything are very high. According to statistics 80 % of newbies lose their investment in the first month of Forex trading. Therefore, before deciding, carefully weigh everything!
Pros (+) of working in the foreign exchange market:
- minimum initial capital requirements ( from 100 dollars );
- profitability is higher than the market average;
- a variety of investment instruments (foreign currencies).
Cons (-) Forex:
- you need to have special skills and knowledge for investing;
- substantially high risks.
If you want to learn more about how to lead, read our article.
Method 4. Real estate
This is the second most popular strategy after bank deposit and a good option for those who are thinking where to invest money in 2020 year to earn. Investments in real estate no less reliable than investing in a bank... The difference is that a much larger size is required. initial capital.
Investments in real estate
Thanks to mortgage programs banks, you do not need to save up the entire amount for the purchase of the property of interest. Usually , enough 20 -30 % from original cost... However, buying an apartment or house on a mortgage and repaying it within 20 -30 years at the expense of salaries is not the best option for an investor.
You need to make sure that this real estate gave you passive income and covered your mortgage payments.
To do this, you can use the following measures:
- lease;
- if you bought a new building at the construction stage, sell it when the apartment is ready, at a higher price;
- make several studios out of a two- or three-room apartment and rent them out as independent apartments.
This investment strategy requires more time and knowledge, but its profitability is also different.
Pros (+) of investing in real estate:
- the ability to receive passive income through rental payments;
- the opportunity to make money on the resale of an apartment at a higher price (read about that in our article);
- preservation and passive capital increase (real estate, unlike other investment objects, in the long term grows in value).
The disadvantages (-) of this method include:
- high requirements for start-up capital ( from 300 -500 000 rubles);
- it is difficult to sell quickly if you need to return the money;
- physically obsolete ( wear, flooding, fires).
Method 5. Own business
This strategy is suitable for those who are not afraid to take risks, are ready to make decisions and be responsible for them.
Creating your own business
When deciding to open your own business, you must:
- correctly assess all the risks at the initial stage;
- calculate financial indicators ( payback periods, required investment, sales plans, production costs or ulugi).
If you have an entrepreneurial streak and a certain commercial background, then you can easily handle this.
Pros (+) of starting your own business:
- you are your own boss (you independently determine what and how to do);
- opportunity to attract co-investors ( crowdfunding campaigns, venture funds, other businessmen);
- it is not necessary to have the entire amount available to start a business (you can use bank loans).
The disadvantages of (-) investing in your own business are:
- high risks of losing everything;
- it is difficult to quickly return the invested funds;
- in the case of attracting co-investors, you can lose control of the company.
Method 6. Precious metals
Many consider investing in precious metals the most conservative option. Acquiring gold has been making significant profits for a huge number of years.
It is worth considering! Precious metals are not subject to physical damage, while their reserves are limited. That is why the value of gold, silver, platinum and palladium is constantly increasing.
There are several options for investing in precious metals:
- Purchase of ingots. In this case, the investor should remember that such transactions are taxed taxed whose size is 18 % ... Moreover, upon purchase, the ingots must be issued with certificate... Such investment should be carried out for the long term. It is important to provide a profit in excess of the amount of tax paid;
- Purchase of coins made of precious metals. Coins are not taxed. Moreover, some of them also have collectible value. But it should be understood that you can get serious profit from coins only a few years after their purchase;
- Opening metal accounts. A deposit in precious metals is suitable for those investors who want to invest for a short time. Since in this case there is no need to buy precious metals, there is no taxation. This option is one of the simplest and safest.... The investor contacts the bank, which recalculates the deposited amount in grams of precious metal. After a certain period of time, the depositor closes the deposit, receiving the current value of the metals placed on it;
- Purchase of securities of gold mining companies. To do this, you will have to become a member. The value of securities does not always increase rapidly. Therefore, they should be purchased for the long term.
Method 7. Antiques and works of art
Antiques, works of art, and collectibles are often referred to as the currency of the rich. If there is a large enough amount for investment, experts recommend paying attention to investing in such property.
Choosing this way, important to remember, what such investments are made only for the long term. In this case, it is better not to count on serious profits even after a year.
However, after several years, a serious jump in the value of the acquired property may occur. So, some paintings by famous artists at the time of their writing cost literally several hundred dollars, after ten years - tens of thousands, and after fifty - millions.
For investment purposes, you can purchase the following antiques:
- antique furniture;
- books;
- icons;
- ancient coins;
- porcelain;
- dishes.
It is important to understand that the named items must be exactly old... In art history, these are things made more than 50 years ago ... Some of these items may be of historical value and are protected by the state.
Investing in antiques requires a lot of money. Even 500 000 rubles for this type of investment is considered a small amount. However, you can start small. So, for example, Tretyakov managed to assemble my collection, starting with just a few paintings.
It should be understood what to buy really valuable things you yourself need to be an art critic, or to have such a friend. Without appropriate education, it is almost impossible to understand which items are of real value.
Of course, you can use the services of a consultant. However, this requires additional financial investments... Do not forget that any art critic can only assess the current value of the object, and not its potential profitability... You should contact specialists who understand not only art, but also investing.
Method 8. Franchising
Those who have capital in the amount of half a million rubles or more can create their own business by purchasing franchise ... In this case, the activities are carried out according to the scheme worked out by the seller. We wrote in detail about that in a separate article.
Starting a franchise business
It is important to understand that franchising cannot become passive income. The amount of profit depends primarily on the activity of the businessman.
However, a franchise helps save time, money and effort. This is achieved due to the fact that the marketing schemes, all processes in such a business have been worked out.
Among the advantages of a franchise are the following:
- a fairly short payback period - usually from six months to a year;
- brand awareness ensures a customer base no additional advertising, franchised goods and services already have their customers;
- the franchisor constantly supports the businessman;
- the level of competition is minimal, since the franchise provides for a specific number of projects in a specific territory.
However, the franchise business also has serious limitations ... The main one is that by purchasing a franchise, the businessman is limited in his actions. He is tied to the developed system and has no right to change the algorithm of actions without coordinating them with the franchisor.
Method 9. Binary options
Experts say that binary options are the fastest way to generate investment income. This option is based on the ability to take risks and analyze the economic situation in detail.
The task of an investor who chooses binary options is to correctly predict the value of the asset in use over a certain period of time.
After a specified period, the result is assessed.
- If the assumption turns out to be correct, the investor will receive profit ... It can be about 80 % rate;
- However, the forecast may not be confirmed. and the price will go in the opposite direction. In this case, the account will be fixed lesion up to 100 % rate.
At first glance, many people think that making money on binary options is the same as playing roulette. However, it is not. A more thorough study of the work on binary options allows you to increase the accuracy of predictions, and therefore, to increase the resulting profit.
There are a number of advantages of the considered investment method:
- A large number of trading instruments to choose from. Even a novice investor will be able to work with both currency pairs and with stocks, oil and precious metals;
- The size of the profit, as well as the level of possible loss, are predetermined. Moreover, some trading platforms allow you to independently determine the ratio of profit and loss;
- The trading platform can be accessed at any time from any device. For this, there is no need to install an additional software... To start the analysis, it is enough go to the broker's website;
- Binary options are traded around the clock, seven days a week. Therefore, the investor can earn at any free time;
- The trading interface is intuitive even for novice investors. In this case, only the final result of the asset value is reflected, intermediate prices are not shown to the user.
There are 2 options for making money on options:
- Call up represents buy deal ... It should be used if prices are expected to rise. If the value of assets decreases, a loss will be incurred.
- Put down - this is sale deal , profit will be received in the event of a decrease in the value of the asset.
Despite the large number of advantages, trading binary options also has disadvantages:
- A single wrong transaction can result in losses in the amount of about 90 % invested funds. To get them back, you need at least three profitable trades;
- When trading binary options, it is impossible to abandon the deal or close it before its completion. Even in cases where the investor realizes that he was mistaken, he has no choice but to wait for the option to expire;
- In contrast to forex, there are no credit obligations. It turns out that the investor has the opportunity to trade only with the funds that are available to him.
Binary options allow you not only to save your own funds from the harmful effects of inflation and devaluation, but also to increase them. To do this, it is important to carefully study the market, as well as make the right choice in favor of one of the brokers.
Method 10. Internet projects
The development of modern technologies has led to the fact that the popularity of investments via the Internet has increased significantly.
There are several areas for investments that are suitable for both a novice investor and an experienced one:
- Investments in startups, which are special Internet resources created for the purpose of development or their subsequent sale. The owner of the funds must understand all the details of the project and carefully monitor the implementation of the work. The amount of funds that the investor will receive is determined primarily by the degree of development of the resource, as well as its attractiveness for future buyers.
- Investing in the creation of your own website. A successful Internet resource can become the backbone of a business and generate regular income. This approach allows you to start your own business even with a small amount of money. At the same time, there are no expenses for renting commercial real estate, staff salaries. It is possible to offer a product or service to a wide audience. Investments in such a business are less risky, but the amount of profit in any case is determined by the efforts of the entrepreneur.
- Investing in online projects that seem to be the most profitable for the investor. You can choose effective Internet projects on specialized online resources. At the same time, the investor acquires part of the business. Subsequently, he is entitled to a percentage of the profits or to resell the share. The relationship between the project owner and the investor is governed by a special type of agreement. However, it is worth considering, what to predict efficiency in advance almost impossible... There are serious risks of such investments associated with the unpredictability of market behavior.
When choosing an investment method, it is important to conduct a quality analysis. This is the only way to understand what the potential profit and risks of the project are.
The surest way to invest money at a high interest rate with a guarantee is a bank. And in which bank it is better to invest capital at interest with a monthly income - see below in our review
5. Where is it better to invest money at a high interest rate with a risk-free guarantee - an overview of the TOP-5 banks
You can get an income guarantee, as well as ensure the safety of funds, by investing them in a bank.
Important! At the same time, it is worth choosing such credit organizations that participate in the deposit insurance system and have a high-quality reputation.
In addition, you should study and compare the conditions for deposits in different banks.
In which bank is it better to invest money at interest in 2020?
So let's consider, in which bank it is profitable to invest money at a high interest rate with a guarantee (with a monthly income). In order not to waste time analyzing a large number of banks, you can use the ratings of specialists. Example list of the best banks for investing presented below.
1) Tinkoff Bank
Tinkoff Is a unique Russian bank. It does not have a single branch throughout the country. Customer service is carried out completely remotely.
Here you can open a deposit at a rate up to 7% per annum ... The accrual is carried out monthly. In this case, the amount of the deposit must be not less 50 000 rubles.
The depositor has the right to choose the method of interest payment:
- capitalization;
- transfer to a separate card account.
The agreement provides for the possibility of replenishment, as well as partial withdrawal of funds.
2) Sovcombank
Sovcombank has extensive experience in the Russian financial market - he was founded in 1990 year. Today it is one of the twenty largest banks in our country.
The credit institution offers customers to open a deposit at interest up to 7.6% per annum ... The minimum amount in this case is 30 000 rubles.
Interest is paid at the end of the contract term. Besides, early termination interest per 3 months, six months and the full number of years persist. The deposit can be replenished, but partial withdrawal is not provided.
3) UniCredit Bank
UniCredit Bank is a lending institution based in Europe. This bank came to Russia more than a quarter of a century ago... Today it is the largest credit institution with foreign capital in our country.
Deposit rates depend on the term, method of calculating interest, and the amount. Opening a deposit in rubles , you can get it before 8,35 % per annum, in dollars – before 3,23 % , In Euro – before 0,20 % .
In this case, there are 2 options for calculating interest:
- with a monthly payment;
- with capitalization.
For the convenience of choosing a deposit, you can use the calculator posted on the bank's website.
4) Ural Bank for Reconstruction and Development
UBRD is one of the leaders in the banking sector in Russia. The credit institution has a wide branch network, which includes more 1 500 branches throughout the country.
Here you can invest at a rate up to 11% per annum ... Interest is calculated every 50 days. In this case, income can be capitalized or received.
For those who open a deposit in online mode , UBRD increases its stake on 1 %. Moreover, the bank connects depositors to the Internet banking system free of charge.
5) Absolut Bank
Absolut Bank operates in the Russian financial market since 1993 of the year. During this time credit organisation has won recognition not only of clients, but also of world rating agencies.
Clients can receive income on funds invested in this bank in the amount of up to 8.5% per annum ... In this case, the amount of the contribution must be not less 30 000 rubles... Interest on this offer is paid only at the end of the contract... Replenishment, as well as partial withdrawal are not provided.
For ease of comparison, the main conditions of the above deposits are shown in the table.
The table "Banks with better conditions on deposits, the main parameters of deposits ":
Credit organisation | Deposit rate | Basic conditions |
1. Tinkoff Bank | Before 7 % per annum | The depositor chooses to capitalize interest or receive monthly credit You can replenish and partially withdraw the deposit amount |
2. Sovcombank | Before 7,6 % per annum | Payment of interest at the end of the term Replenishment possibility, partial withdrawal is not provided |
3. UniCredit Bank | Before 8,35 % per annum | Accrual of interest on a monthly basis - at the depositor's choice by capitalization or payment |
4. Ural Bank for Reconstruction and Development | Before 11 % per annum | Capitalization or interest payments When ordering online, the rate increases by 1 % |
5. Absolut Bank | Before 8,5 % per annum | Interest is paid at the end of the contract Replenishment and partial withdrawal are not provided. |
4 topical options for investing money today at high interest rates
6. Where is it profitable to invest money in 2020 at interest - 4 best ways today
Bring low income. There are investment methods that allow you to get much great profit.
Choosing the best option, don't forget what with an increase in income, the risk of loss of invested funds also increases.
Below we will consider in more detail main ways of investing funds for the purpose of generating income.
Method 1. Promising startups
Investing in startups attracts investors by potential income in this method is not limited by anything... There are a huge number of projects on the Internet that you can invest in. To find them, you can use specialized sites.
When choosing, it is important to conduct a thorough analysis and comparison of a large number of projects. It should be remembered that some of them have been profitable for several years. Other projects turn out to be unpromising and only entail losses.
Method 2. Private lending (P2P lending)
Private lending has recently become more widespread and developed. This option involves the issuance of a loan by one individual to another... Using this method, it is important not only to draw up a contract as competently as possible, but also to conduct a thorough analysis of a potential borrower.
Explicit advantage private lending advocates high level of profitability ... By lending money, even for a short period, you can ensure profitability before 50 % per annum.
However, there is also a significant flaw – high profits come with serious risks. There is a possibility that the loaned funds will not be returned. It is impossible to guarantee the honesty of the borrower even in the case of a careful study of its characteristics.
Method 3. PAMM accounts
When investing in PAMM accounts, the owner of the funds transfers them to trust management professionals. Receiving money, the manager includes it in the turnover and does everything to get the maximum profit.
The investor can only wait while specialists distribute his funds between exchange and other promising assets in order to generate income.
Thus, PAMM accounts are one of the types of passive earnings. At the same time, the risks of such investments are relatively low.
To independently profit from trading on the exchange, you need not only money, but also specialized knowledge. At the same time, in order to invest in PAMM accounts, it is enough to find a company that provides sufficient profitability and transfer funds to it for management.
The profitability of such investments is determined primarily by the correct choice of the manager. This process requires a significant amount of time, as well as additional knowledge.
Method 4. mutual funds (mutual funds)
Mutual funds are essentially collective investment management funds... The property of such a fund is divided into parts, which are called share ... We wrote in more detail about (mutual funds) and how they work in the last article.
High liquidity of investments in mutual funds is achieved due to the fact that the shares are traded on the market. At the same time, the activities of the funds are regulated by law.... The relationship between shareholders and mutual funds is determined by the relevant documents.
An investor buys shares when he expects their value to rise. Once the price reaches the expected value, the profit can be fixed by selling it.
When choosing a mutual fund for investment, it is important to consider its type. It is possible to sell a share at any time only if open fund... From interval mutual fund you can exit only at pre-agreed intervals, and from closed- at the end of his work.
It is impossible to determine in advance what profitability the fund will show based on the results of its work. Profit can reach 50 % per annum, which exceeds the deposit rate by about 6 once. However, on average in the market, this indicator is equal to about 20 % .
It happens that funds show losses as well. But do not be afraid that managers will always give negative returns. The size of their commission depends on the amount of profitability ... Therefore, they work hard to maximize their returns.
Among the advantages of mutual funds are the following:
- availability. This type of investment is available to everyone, since it is enough to start investing 1 000 rubles;
- high level of liquidity;
- the activities of mutual funds are legally regulated and is under the control of the state;
- professional money management.
However, mutual funds also have limitations ... The most important of them is no guaranteed profit .
Keep in mind that some managers receive income even in cases where their work does not bring profit... That is why some funds in the course of their work show zero profitability, and sometimes even loss.
There are a huge number of types of mutual funds. However, regardless of the choice of the type of mutual fund, experts recommend investing in them only if long-term investments are planned.
It is important to carefully read the advantages and disadvantages of various types of investments in order to choose the best option for yourself.
7. Where not to invest your money - unsuccessful investment strategies
Many people want to make quick money without realizing that too high income is associated with high risks.
Financial Pyramide Is a deliberately unprofitable organization that pays income to investors by attracting funds from new investors.
Financial pyramids were very popular in 90 years in our country. I think everyone has heard about Sergey Mavrodi and his MMM .
But do not think that all these fraudulent organizations have sunk into oblivion. Every year, thousands of gullible investors suffer from the actions, or rather, the collapse of such pyramids. How can you avoid falling into a financial pyramid?
Let's highlight the main signs of a fraudulent scheme:
- Too high yield ( 30 % and higher);
- Aggressive advertising;
- Lack of real activity (does not produce or sell anything);
- The registered office of the company is located outside the country (offshore). we wrote in a separate article.
8. Answers to frequently asked questions
The topic of investing in order to generate income is quite extensive. In the process of studying it, a huge number of questions arise. Today we will answer the most popular ones.
Question 1. Is it realistic to invest money at 50 percent for 24 hours?
Today on the Internet you can find a huge number of proposals for investing money per day. However, not everyone knows how real it is.
You can make money in such a short period of time investment programs of microloan services... This option allows you to invest just for a day, counting on profitability minimum 8%.
Services that issue microloans allow you to replenish your account in a short period of time and start earning, minimizing the risks of losing funds.
The main advantages of the option under consideration are:
- high profitability;
- the opportunity to participate in the investment program with minimal investment;
- comfort of performing operations;
- ease of withdrawal of funds.
In addition, before investing money in a microfinance company, you should carefully study its reputation.
Question 2. Where to invest money (rubles) so as not to lose it?
We answer the popular question, where to invest money (in rubles or another currency) so as not to lose it
Keeping funds in rubles is not reliable. This is especially evident during economic instability. The presence in our country of a sufficiently high level of inflation, as well as devaluation, leads to the fact that simple storage of money in rubles becomes quite unprofitable.
For those who have financial savings, experts recommend investing them. This method of managing funds is more progressive and profitable.
You don't have to be a financial analyst to understand the effects of inflation and devaluation. It is sufficient to compare prices for certain goods and services over an extended period of time.
There are several reasons for the decline in the value of the ruble:
- decrease ↓ prices for raw materials negatively affects purchasing power Russian currency as it is clearly linked to oil prices;
- foreign sanctions significantly aggravate the position of the ruble relative to other currencies.
The described situations lead to the fact that simple storage of rubles will lead to the loss of part of the funds. This is especially true for a fairly large sum of money. In fact, the nominal amount of capital does not change, however decreasing ↓ purchasing power of assets.
The correct investment will help the investor:
- eliminate any impairment of the amount available;
- with a successful coincidence of circumstances, to increase capital at all;
- partially insure against serious economic shocks that are possible in the future.
The profitability of an investment depends on a huge number of factors. First of all, this concerns the size of the amount available. However, regardless of the amount of capital, investment is a better solution than conventional storage .
Investing always carries the risk of losing funds. However, if the investment is successful, you can provide stable passive income, as well as financial security.
Novice investors often face a number of mistakes that can increase their riskiness:
- making decisions about investing on emotions;
- lack of thorough analysis;
- low level of financial knowledge, as well as unwillingness to learn.
Question 3. Where can you invest 100 thousand rubles so that they generate income?
Some people think that it is necessary to have several million to make a successful investment. However, this is fundamentally wrong. Quite successful investments can be made even if there are several thousand, therefore 100 000 rubles are an excellent amount to start investing.
If you manage to place your capital in at least 3 investment areas, you can count on serious insurance against various force majeure circumstances.
In a modern economy, it is better to use the following investment methods, which are quite reliable and promising:
- investing in online projects such as websites, blogs, online stores;
- bank deposits;
- investment in innovation, as well as promising startups;
- investment in art;
- purchase of precious metals;
- investments in securities;
- acquisition.
Correct nesting allows, having 100 000 rubles, provide additional income.
If you have a larger amount, for example, a million or more, then we recommend watching the video below:
The problem of preserving and increasing one's own finances in the conditions of an unstable Russian economy is very acute. Despite the availability of many different investment options on the market, choose optimal way quite difficult. Nevertheless, there are a few simple rules, following which will help to competently invest a small amount of money or serious financial resources in 2018 safely and with maximum benefit.
Investment rules
Before answering the question of where it is most profitable and reliable to invest free money today, it is necessary to list a few recommendations of experienced investors. Their implementation will avoid unnecessary risk and ensure the safety of funds. The most important tips from financial market professionals are as follows:
- Don't invest the last... Investing is almost always a lengthy process. Therefore, you should first create a financial cushion that can provide for the investor and his family for at least 5-6 months.
Advice... A bank deposit can act as a financial cushion, since it is, rather, not an investment, but a savings instrument.
- Don't put eggs in one basket... Term from economic theory"Diversification" is the best fit as one of the main principles of any investment.
- Study the risks carefully... An important rule of the investor is not to overestimate the importance of profits, especially declared ones, and always consider it in conjunction with reliability.
- Cooperate with other investors... Large investments can bring more serious profits. Another important advantage of such associations is the separation of responsibilities, which reduces the risk of each individual participant.
- Strive to create passive income... The best option is to ensure your own life exclusively at the expense of this source. financial resources.
- Invest in education... Often the best investment is not buying an apartment, car or other product, but investing in yourself and developing your own potential.
Definition. Passive income is understood as a person's income, which does not depend on his daily activities. Typical examples are interest on deposits, dividends on stocks or from your own business, copyrights, and in some cases rent.
Of course, competent investment is a complex and multifaceted process that is difficult to implement, guided only by the 5 tips from experts described above. However, compliance with them will allow you to competently invest money in order to receive a stable monthly income without risking losing investments.
Bank deposits
The easiest and most widespread way to save money. Its main feature is the combination of low profitability and minimal risks. Now in Russia, banks are ready to open deposits at an average of 5-8% per annum, which can hardly be called serious earnings even in conditions of low inflation.
The main advantages of the decision to invest money at interest in the bank are:
- Low risk. Although we should not forget the numerous cases of revocation of bank licenses that occurred in 2016-2017;
- Liquidity. You can always withdraw money from the deposit, even if you lose interest;
- A variety of offered deposits, both in terms of profitability and timing. An investor can invest money for a short period, for six months, a year or several years;
- The minimum entry threshold. As a rule, a deposit can be opened with only 1,000 rubles in hand;
- The ability to open a deposit both in rubles and in foreign currency, for example, in dollars or euros;
- Simple and straightforward investment mechanism.
Among the disadvantages of investing by opening a deposit account, one can single out low interest and their loss in case of premature withdrawal of funds. As a result, a bank deposit can be considered an effective tool for saving funds, but it does not allow increasing the amount of financial resources. The most attractive investment options are large state-owned banks, for example, Sberbank, Rosselkhozbank, VTB, or banks with foreign participation, in particular, Raiffeisenbank or Rosbank.
Investments in mutual funds
Mutual investment funds are a form of collective investment. The mechanism of operation of a mutual fund is quite simple - it collects money from private investors and makes investments in the stock market. The estimated efficiency of investments is assessed by the specialists of the mutual fund. The main advantages of this type of investment are:
- The minimum entry threshold. Usually its value is 1 thousand rubles, as is the case with bank deposit;
- Higher than in the bank, the percentage of income;
- Using a variety of stock market mechanisms, including options, futures, stocks and bonds;
- Additional income in the form of dividends on securities;
- Participation of the investor in the formation of the investment portfolio.
Among the arguments in favor of a negative answer to the question of whether it is worth participating in investments in mutual funds, include:
- Relatively complicated investment procedure in comparison with a bank deposit;
- Higher investment risk, allowing losses;
- Need professional knowledge in the case of their own participation in the formation and management of the investment portfolio.
Today, the leaders in terms of the volume of funds attracted from individuals are mutual funds, formed with the largest Russian banks. These include Sberbank - Prospective Bond Fund, Alfa Capital Bonds Plus, Raiffeisen - Bonds, VTB - Treasury Fund, etc.
Forex and PAMM accounts
Forex is a global currency market designed to exchange and convert almost all currencies that exist today. An important feature of this type of investment is the possibility of both independent participation of the investor in the trades being carried out, and the choice of a managing trader who opens a special PAMM account to accumulate depositor funds on it.
The advantages of investing financial resources in Forex are as follows:
- A relatively affordable entry threshold, which is usually equal to the cash equivalent of $ 100;
- Possibility of obtaining high profitability;
- Online financial transactions;
- A wide variety of financial instruments. An example is trades conducted using various cryptocurrencies.
Important. Forex trading is an eloquent confirmation of the rule - the higher the possible profitability, the higher the potential risks.
The main disadvantage of investing in Forex is the potentially high risk of such investments. In addition, independent participation in trading requires special knowledge of the financial market, without which the likelihood of losing funds increases even more.
It is rather difficult to explain to a non-specialist or a so-called "teapot" the principles of Forex or the peculiarities of investing in the securities market. However, for any person, be it a student or a pensioner, the mechanism of investing in precious metals, for example, gold, is clear.
Today many banks offer this opportunity. Sberbank's proposal to open a so-called impersonal metal account is especially popular. This financial instrument is an account containing information on the amount of gold or other valuable metal owned by the depositor.
The advantages of investing in precious metals are as follows:
- A guarantee of the safety of invested funds, especially during periods of various financial crises, when other financial instruments are much less reliable;
- A clear investment mechanism;
- The possibility of replenishment;
- High liquidity.
The main disadvantage of investing in metals is the unpredictability of market prices. As a result, the yield can be as much as 50% in just a couple of months, or remain zero.
Real estate or construction
The classic investment option for those who seek to invest money so that they work and create passive income. The purchase of real estate, residential or commercial, with the subsequent renting out is popular financial instrument, able not only to save, but also to increase the investor's funds. Some of the most significant benefits of investing in real estate include:
- Receiving passive income by renting out housing or offices;
- A gradual rise in the price of an asset;
- The ability to use as collateral or to organize your own business.
A serious disadvantage of investing in an existing property, a new building, go land plot is a high entry threshold. Even the smallest apartment will cost several hundred thousand rubles. Two more important drawbacks are the low liquidity of the asset, which takes time to sell at a good price, as well as the need for periodic repairs.
Shares and securities
Acquisition of shares and other types of securities on the stock market is enough effective option investment. However, for a stable profit, you need specialized education or the involvement of specialists in the face of financial brokers.
One of the common options for investing in the stock market was described above in the section on mutual funds. These organizations, in fact, are financial brokers serving a large number of clients at once. The pros and cons of these investment methods are also broadly identical.
Mining and cryptocurrency
Numerous cryptocurrencies have gained serious popularity in the last 3-4 years. Their purchase and mining is considered a very real way to invest money in order to earn both at an ever-growing price and on the production of new bitcoins or other lesser known types of virtual coins.
Today, such a method of investing as ICO is extremely in demand. It represents the attraction of financial resources needed to launch a new cryptocurrency. Investment income depends on the success of the launched project.
The main disadvantage of this investment option is the high risk of such investments. Cryptocurrency markets are highly volatile, that is, very volatile. That's why big profit can result in no less significant losses in a matter of days.
Own business
Starting your own business is also accompanied by a high degree of risk. However, in this case, the investor independently influences all ongoing processes and can largely control them.
The main advantages of organizing your enterprise in the form of an LLC or individual entrepreneur is the ability to do what you love, while earning money. Among the pleasant bonuses is attracting co-investors and borrowed capital, which often allows you to get additional income. The disadvantage of developing your own startup is the high risk and low liquidity of most of the assets.
Microfinance organizations
The MFI market is much more organized and orderly today than it was 2-3 years ago. This is due to the tightening of control by the Central Bank. As a result, the number of microfinance organizations has dropped sharply, and the remaining companies are quite an interesting investment option.
The main advantage of investing in MFOs is a higher profitability, several times higher than usual. bank interest... The flip side of such a serious benefit is the riskiness of such deposits. As insurance against the loss of funds, it is recommended to apply only to large MFOs that have been successfully operating in the market for a long time.
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