home Boiler room In what business to invest money to earn. Business investment

In what business to invest money to earn. Business investment

Every advanced person thinks about where it is better to invest money.

Demand generates supply and today the investor is offered dozens of places where it is profitable to invest money can be a profitable idea. Let's review the most affordable and interesting options where you can invest money in 2019, compare their pros and cons, conditions and benefits!

Where to invest money - Startups

are innovative companies that offer new technologies that simply did not exist before. Implementing new and unknown technologies in life, bringing them to the mass consumer is a very difficult task, which at the same time can bring thousands of percent of profit.

Note that: Every day there are new startups requiring investments. But only 10% of them work for more than a year.

In order to make money on , you need to make sure that the idea, goal, plan, team in a young company are well interconnected, if the company understands what it needs and what it does, this is an important component of success.

There are quite a few examples when startups literally from scratch turned into million-dollar companies, enriching their investors along the way. Today, there are special startup exchanges through which companies and investors converge. is a site where startups register themselves, their proposals, business plans and declare the necessary amount to start. Investors choose startups and invest in them. So each startup can have many investors. When a startup collects the requested amount, the project begins to work and, if successful, it will reward its investors.

Now that the American machine has stopped printing money in the same amount, there is an opinion among rich and wise people that new markets will not be born in the next 10 years, since there simply will not be free funds in the world for this. In 2018, the startup market has shrunk. This was also affected by the crisis and solvency.

Minuses

A startup is about risks and the unknown. Often start-ups die not because of a bad idea, but because of poor organization, incompetence of company managers.

Where you can invest small money - PAMM accounts

I do this type of investment.. in fact, it is very similar to a mutual fund, only it is managed by one person. A professional trader creates a special PAMM account with a broker. Initially, this account contains only its authorized capital, for example, $50,000. Further, investors can invest money in this account. The trader trades on the stock exchange with the money of this account and the profit from trading is distributed in proportion to the contributions of each investor.

Over the past 7 years, many brokers on PAMM accounts were born and died. Whatever managers of existing brokers say, today there is only one leader - this.

It is this broker that owns the PAMM account trademark, since it was he who invented this system.

Profit in this type of trust management borders on an average of 4-6% per month or 80-120% per annum considering reinvestment. Moreover, it is reinvestments that allow you to multiply your own profit and allow you to! This is a very high percentage, despite the fact that there are practically no risks with portfolio investments, and the minimum investment starts from $10. As you can see, this is the place where absolutely everyone can invest little money.

Alpari provides all the statistics and data on the manager's work, displays his transactions and trading volumes. At the moment, there are PAMM accounts that have been operating for more than 4 years and bring a stable profit. Since managers have different trading strategies, the profitability of individual PAMM accounts varies. If the conservative ones bring 4-6% per month, then the aggressive ones can give out in one month!

Risk control

When investing in 10-15 different PAMM accounts at the same time, you reduce risks to the very minimum. If one account for the reporting month brings a loss, then the rest will cover this loss with their profit.

PAMM accounts are available to everyone, from the moment of registration with a broker to an investment, it will take no more than 10 minutes.

You will find more detailed information about investing in PAMM on this blog, which is dedicated to them.

pros

High profitability, practically no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.

Investments in the stock market

If money is deposited in a bank for safekeeping, then it is invested in the stock market to reap the benefits. The stock market is a platform where securities, goods and even services are bought and sold. The main platforms are stock exchanges. In Russia it Moscow Exchange— the merger of two previously separate sites, MICEX and RTS.

It is not the investor himself who has the right to trade directly on world exchanges, but an intermediary - a broker with the appropriate license. An investor opens a trading account with a broker and through it buys stock assets, like securities and others.

Investment in Options

For me it very profitable type of investment. Not so long ago I tried all the possibilities and I am ready to tell you everything in detail.

A binary option is a contract with the condition of an increase or decrease in the price of an asset within the time period you set. If your condition is met - the price of the asset rises or falls according to your forecast at a set time, then you make a profit. Everything is arranged in such a way that even a child will understand.

Best of all, I will immediately give an example:

You buy a binary stock option Microsoft for 1 hour and indicate that the price will rise. If in an hour, the price of Microsoft shares will be higher than at the time of buying the option, you get 80% of the profit. If you invested $100, then in an hour you could earn 80 dollars.

You can invest in options for periods ranging from one minute to a week, you set the investment period yourself. Among the assets there are shares of the largest companies in the world, such as Gazprom, Facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. And also among the assets there are assets of the commodity market (oil, gas, gold), stock indices, currencies ...

How to make money investing in options?

Yes, very easy! Only follow the news. If you find out what Toyota tomorrow starts selling a new series of cars, it means their stock will rise tomorrow. All you have to do is invest in a 1-day or even an hour-long Toyota stock option in the middle of the day or at the very beginning of it. If you find out that the tsunami flooded the Toyota plant, then their shares will fall and you can invest in an option with the condition of a price drop.

Thus, you see that you can earn not only on the growth of shares, but also on the fall. And there is a lot of news on companies every day, and thanks to a large number of assets, you can invest in options daily. It is enough to make only 2 successful transactions per day in order to earn more than $ 5,000 per month.

Here's a recent example as a guide:

Step 1 - choose an asset. I chose Facebook stock from binary options:

Step 2 - Specify the expiration time of the option and the forecast. I set the option expiration time to 21:35, since it is 21:25 now, I will invest for 10 minutes. In this case, I predicted the growth of the stock price and pressed the button UP:

Step 3 - I make a profit. 10 minutes went by quickly and Facebook shares managed to rise in price a little:

pros

These are the most highly profitable investments, in just 5-15 minutes you can get from 70% of the profit. Many transactions can be made every day. Among the assets are the stock, commodity and foreign exchange markets. Available to absolutely everyone, the minimum investment is only $25

Minuses

High returns come with high risks. Successful investments require preparation and careful analysis of the asset. Due to the possibilities of super short-term investments, the investor must have psychological stability, have his own strategy.

Investments in shares

quite an old and classic way. There are many ways to invest in stocks, depending on the company. Average stock returns fluctuate from 10 to 20% per annum.

But there are exceptions, for example, Nvidia shares in 2017 added 200%.

For established companies, the average growth can be 5% per year. For example, Google, this is already a huge business, imagine what he needs to do to increase the cost by 100% in half a year? It's practically impossible. But it is enough for a small pizzeria to open a couple of new restaurants and conclude lucrative contracts in order to add 500% in a couple of months.

You will be able to see in practice how shares are bought and sold on stock exchanges NASDAQ, XETRA, and others with a broker (the minimum deposit to open an account is $500). There you can, Microsoft and more than 1000 companies from around the world.

In addition to the billion-dollar companies that have already taken place, new ones are constantly appearing, the shares of which are very cheap, but their potential, as well as the price, can increase thousands of times. For example, the same Apple when it was a small startup.

If you do not want to risk big money, but want to make money on stocks, CFD contracts are an ideal option - this is trading on the price difference.

It must be said that among the assets of the broker are not only stocks, but also all currency pairs, indices and commodities, energy and others. Minimum deposit $200, and minimum transactions from 10-20 dollars.

pros

Shares are able to bring good profits, privileges and are long-term investments.

Minuses

The minimum block of shares can cost a lot of money, and shares of unknown companies are quite risky.

Investing in metals

Buy physical gold for the future - one of the old traditions of saving money. And today, gold bars are freely available in almost all banks in many countries, including Russia, Ukraine, Belarus. An ingot of gold can have different weights, it varies from 1 gram to 1 kilogram. Each bank sets its own price for it.

Note that: Over the past 15 years, gold has experienced a price boom, but since 2012, it has been inexorably losing value. To date, the future of gold, and investment in gold can only be long-term.

This precious metal will not lose its main value, but even a small drop in price can bring losses to the investor, because not only capital is lost, but also time.

A few years ago, Warren Buffett sold all his "gold" assets and did not lose. I think that in 2018 you should not rush to invest in gold, at least you should wait until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that in 2017 mutual funds engaged in gold have already suffered losses.

pros

Metals have a certain physical reserve, so you should not expect strong drops in price. Metals are long-term and reliable investments. Investments in metals are available to almost everyone who has a bank account.

Minuses

The price of metals is highly dependent on different economies. You should not count on a large percentage of profit. When selling gold in a bank, you must pay a tax of 13%, this is the percentage that can be achieved over several years of investment.

Compared to bank deposits investment in the stock market considered to be much more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment. More voluminous in terms of money and types of companies is the foreign market, where even children know about shares. mostly based on stocks. But in order to be successful in investing in stocks, it is not enough just to have money to invest, you must be well versed in business and be able to predict. For those who do not feel confident in these skills, trust management is the best choice.

Where to invest money safely - Bank deposits

Today, the most popular way for Russians to save money is a bank deposit. It inspires more confidence among citizens than investing in investment funds. Perhaps this is due to the inertia of thinking, because in the days of the USSR it was possible to invest personal funds only in a savings bank.

I would say that people do not invest money in banks, but simply deposit . The only exceptions are very, very large amounts.

Interest income at bank rates is small, on average 7-9% per annum, and the state insures up to 1,400,000 rubles each deposit against unforeseen circumstances.

Among the most reliable banks:

Sberbank (sbrf.ru)
Vneshtorgbank (VTB) St. Petersburg (vtb.ru)
Gazprombank (gazprombank.ru)
Rosselkhozbank (rshb.ru)

They offer not the largest, but stable and reliable annual interest: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are a place where everyone can invest money, but it is difficult to call it an investment. Only a banker can earn in a bank, and a depositor can only save his money.

pros

The pros are that the banks are relatively reliable and you will definitely save your funds.

Minuses

7-10% returns do not justify themselves, since the inflation rate is just at this level. It's hard to call it an investment.

Where to invest money - PIF

Mutual Investment Funds are also one of the types of capital investment where it is profitable to invest money relative to the bank. Mutual funds are created to attract investments for the purpose of trading on commodity and stock exchanges, as well as real estate transactions. Mutual investment funds have long been the most popular places where not every person from the street could invest money.

There are several types of mutual funds

Pif open type- here you can freely buy or sell a share.
PIF interval type- shares are sold only after a certain period of time.
closed-type pif— do not accept deposits from private investors. Usually the profit is paid at the end of the year.

A mutual fund can be thought of as a trust – you buy units and your money is managed by the company, causing the unit prices to rise. But as I said, in 2018 the risks are high. If you decide to invest in a mutual fund, it is worth investing in them not all the capital, but only some part. The yield ratings of mutual funds can be viewed on the pages:

//pif.investfunds.ru/ratings/
//www.nlu.ru/pif-doxod-ranking.htm

If you decide to invest in a mutual fund, I advise you to carefully study not only the company itself, but also the market outlook, as well as ask for plans, ask a question about the future market of managers and make sure that they are confident in their actions and know how they will act in different situations.

The mutual funds are managed by professionals, but even they cannot stop the fall in prices. In this case, do not rush to sell shares. You have to wait until they rise in price again. In any case, in order to remain profitable, you need to invest in mutual funds for a long-term perspective of several years.

In order to earn and be able to make money, you need to have a solid capital.

For the most part, investments in successful mutual funds start from half a million rubles.

At the same time, it is necessary to understand that it is safer to invest simultaneously in several different mutual funds. Also, for a successful investment, you need to understand and understand the stock market, stocks and the current state of the market, and other economic factors.

pros

A good mutual fund is highly reliable, as it is regulated by the state. In good years, the profit can be up to 80% per annum. Limited risks depending on the specific conditions of each mutual fund.

Minuses

Long process of transferring and receiving money. If you do not live in the city where the mutual fund is located, then investments will be extremely inconvenient (signatures, documents, transfers). Good mutual funds may have high minimum investment thresholds.

Art objects

100% returns are not uncommon in this free market. But only smart and tasteful investors can feel what exactly can have the greatest investment potential.

250 000% per annum

The most reliable investments are investments in famous artists of the last century. For example, Andy Warhol's Lemon Marilyn was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

Among contemporary artists, you should choose the most active, who are regularly exhibited in galleries and advertised in every way. Paintings by such artists can rise in price by 100-300% per year, while paintings by famous contemporary artists can be bought from 10-20 thousand dollars. It is worth saying that the main buyers of art are by no means amateurs and collectors, but players in the financial market.

Not all investors understand painting or artists, but this does not prevent them from making money on this. Such investors attract special consultants who make an objective assessment of the asset, verify the authenticity, accompany the process of buying and selling.

pros

With a competent approach, they bring not only aesthetic pleasure, but also high profits.

Minuses

Requires a high understanding of the market. Assets generally do not have high liquidity, unless it is a painting by Monet or Van Gogh.

Where to invest money online

Many people like to invest money in internet business. With the advent of the Internet, various ways of investing your capital have also appeared. All income on the Internet is based on services, trade and advertising. There are people who invest money in websites for advertising or trade. Investors purchase or create a website for the subsequent sale of advertising or specific goods and services on it. The price for advertising depends on the level of the site, its attendance, subject matter, and other indicators.

Instruction

To profitably invest money, analyze the economic and socio-cultural conditions in the time period and territorial location in which you are currently located. Determine what is guaranteed to generate income over the next 2-3 years.

Please note that most consumers do not seek to purchase luxury goods and expensive things. Nevertheless, the sphere of everyday services and essential goods remains in demand. This is the catering sector - canteens and cafes. As well as hairdressers with a package of inexpensive services, car washes and gas stations. Even many turn to private clinics to qualified specialists and pharmacies.

The demand for children's clothing is always higher than for adult clothing, because children are always growing. In addition, parents also often spend money on toys. Underwear needs to be replaced more often than casual and outerwear.

And what people can not do without is food. Therefore, the production and sale of products will always remain profitable activities. This also includes crop production and animal husbandry.

You can invest money in your business, developing it from scratch. Or support the business ideas of other entrepreneurs by becoming their partner. For a competent choice, use the services of professionals who can evaluate your investment project.

The possibility of investing in a ready-made, established business by buying a small business from another businessman is not ruled out. Just ask the entrepreneur why he implements it. It is possible that he has his own personal reasons for this, which do not affect the further prosperity of the business. But just in case, learn about the business from other independent sources.

Consult with lawyers and other entrepreneurs. With the successful acquisition of a ready-made business project, you will be more insured against possible failures. Everything will be fine-tuned there, from experienced employees and proven equipment to business connections. Learn all the subtleties in this area of \u200b\u200bproduction.

If you do not have enough experience, then do not get involved with attractive projects. To get started, try your hand at less risky, but also less profitable business areas. You can even just invest in the expansion of another entrepreneur's business with a percentage of the profits.

Read business magazines, chat on forums with. It is possible that some person has a creative business plan, but does not have the money to implement it. The main thing is that these services or goods are in demand, and the chosen niche in the market is relatively free. In this case, there will be fewer competitors and risks for business promotion.

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

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

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

Rule number 1. Free money

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

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

In addition, an incorrectly calculated economic budget of your own family will cause additional difficulties for you. After all, sometimes emerging domestic problems require an urgent solution.

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

But if you still decide to take out a loan, then our article on how, even with a bad credit history, will help you.

Rule number 2. Regular income

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

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

Rule number 3. Investment plan

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

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

Rule number 4. Don't waste your profits

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

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

Rule number 5. Control your money

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

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

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

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

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

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

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

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

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

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

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

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

2. Where to get money to invest profitably - tips

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

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

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

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

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

And secondly set aside monthly10 % from the income received preservation. Thus, you will create a clear structure for the distribution of funds and in a few months you will come to the intended result.

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

3. 13 ways to invest money so that it works and generates income

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

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

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

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

Method of investing money No. 1 - deposit

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

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

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

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

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

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

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

Which bank is better to put money at interest in 2019 - expert opinion

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

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

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

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

"Sberbank";
"Rosselkhozbank";
"VTB 24";
"Gazprombank";
"Alfa Bank".

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

Method number 2. Investing in mutual funds

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

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

The principle of operation of mutual funds

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Method number 3. Acquisition of real estate

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

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

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

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

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

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

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

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

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

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

In today's world, there are a lot of schemes used scammers when selling a home. And your initial conviction may later turn out to be a deception.

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

Method number 4. precious metals

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

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

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

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

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

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

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

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

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

Secondly It should be understood that such investments pay off only in the long run.

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

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

Method number 5. Business

Investment method number 5. Business creation and development

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

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

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

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

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

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

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

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

Method number 6. Purchase of securities

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

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

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

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

Main advantage such an acquisition can be considered a huge profit based on the increase in its price. The entire scheme for storing and controlling such papers is now in electronic form, so it is very convenient to use.

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

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

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

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

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

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

Flaw of this method is that it is very difficult to choose the right stock or bonds into your portfolio. You will have to resort to the opinion of professionals and experts.

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

Method number 7. Private lending (P2P lending)

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

Your advantage is high yield. Providing credit obligations from one individual to another for a short period allows you to get up to 50% per annum. But the disadvantages of this method are also serious.

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

Method number 8. Buying currency

This way of investing can be carried out both with the help of banks (banking institutions, branches, etc.), and by attracting brokerage companies to trade in the Forex currency market. One of the best brokers is " ForexClub".

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

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

Key Benefits This method can be called some points.

First of all , the increase in profit is achieved in 100% and more, which allows you to increase the initial capital, enriching yourself daily.

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

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

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

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

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

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

Of course, buying them is more expensive, but this operation gives stability, because their position is more stable in the foreign exchange market.

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

Method number 9. Investing in art

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

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

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

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

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

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

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

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

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

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

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

Method number 10. Internet projects

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

Way to invest money #10. Investing in Internet projects

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Method number 11. Binary Options

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

Method number 11. Investing in binary options

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Method number 12. PAMM accounts

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

Investment method No. 12. Investing in PAMM - accounts

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

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

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

Key Benefits money contributions in this way are:

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

Method number 13. Invest in yourself

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

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

1. Health

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

2. Appearance

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

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

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

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

3. Knowledge

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

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

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

Believe me, there is nothing educational in visiting a beach or a bar. It's also good to get into museum , theatre , cinema ,Botanical Garden or even zoo .

Invest in yourself - this is knowledge, experience, skills, ability to apply the whole range of acquired skills in practice at the right time for you. After all, it was not in vain that wise people said: “Knowledge is not to be carried behind your shoulders, and you never know what information will be useful to you today.”

7 principles of investing to make money

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

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

Principle 1. Long-term perspective

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

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

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

Principle 2. Careful examination of the financing instrument

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

Principle 3. Own opinion

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

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

Principle 4. Know how to stop

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

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

Principle 5. Take your time

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

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

Principle 6. Choose winners

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

Principle 7. Think about tomorrow

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

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

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

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

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

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

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

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

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

Expert Tip #2: Create Recurring Passive Income

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

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

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

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

Expert Tip #4 High Yield Investing

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

Expert tip #5. Check information

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

6. Where not investing money so as not to burn out - the main investment mistakes

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

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

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

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

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

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

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

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

The question of how to manage the accumulated money excites the minds of many people. How can you make the most of the little money? And what is the safest way of investing for a person inexperienced in financial subtleties?

Here we will consider several working investment tools for an investor of any level. Let's start with a simple one - a bank deposit, and end with securities. Let's start!

Opening a deposit account

The most common and traditional way to help save a small amount in the last hundred years can be called bank deposits. Indeed, opening a deposit is publicly available, you can start with 1000 rubles, making a deposit does not require special financial knowledge.

Here are some useful resources on deposits:

However, there are several nuances that should not be neglected:

It is more profitable to open a deposit for a period of at least 3 months
Higher income can be obtained if you do not withdraw accrued interest, but provide for a deposit with the possibility .
Opening an account online through the bank's website often results in an interest rate increase of 0.5% - 1%.
To open a deposit, it is better to choose a bank that provides for minimal penalties for early withdrawal of money from a term deposit.

Let's calculate, based on the average interest rate, how much income you can get if you place a small amount of money on a deposit, for example, 5,000 rubles.

1st year: 5000 + 5000 x 10% = 5500 rubles;
2nd year: 5500 + 5500 x 10% = 6050 rubles;
3rd year: 6050 + 6050 x 10% = 6655 rubles;
4th year: 6655 + 6655 x 10% = 7320 rubles;
5th year: 7320 + 7320 x 10% = 8052 rubles.

Of course, at such a rate, without replenishment of the account, it is possible to double the amount of the deposit in 7 years. But the unpredictability of the domestic economy cannot guarantee that over such a long period of time there will be no events that devalue the little money invested.

Therefore, our task is to consider more effective types of investments that can bring significant income in the second year of their application.

What is a mutual fund and how profitable is it for an ordinary shareholder

Financial analysts consider quite optimistic (mutual funds). The cost of "entry" to the fund can vary from tens to hundreds of thousands of rubles.

For example, the minimum cost of a share of 15,000 rubles, sells shares of 30 thousand rubles. However, even very small money can be successfully placed in a mutual fund by acquiring not a whole share, but its share.

The indisputable advantage of investing in mutual funds is their complete transparency and state control. The financial activities of mutual funds are strictly regulated by law. Therefore, fraudulent schemes when investing in mutual funds should not be feared.

If you do not know what a mutual fund is, then we highly recommend watching the video:

The only problem that the investor faces is the choice of a management company that will effectively invest the finances of shareholders in profitable securities. To do this, you need to carefully study the ratings of mutual funds, which are published quarterly in the media or resort to the help of a financial consultant.

Where to begin? Here are some helpful resources:

The end of 2014 can be significant for mutual funds in that they began to actively invest in shares of foreign companies. Since the investment attractiveness of Russian sites is quite limited, the expansion of the market will bring unequivocal benefits to shareholders.

Raiffeisen Capital Management Company, which showed a 31.54% yield on its Raiffeisen USA mutual fund at the end of the year, supplemented its portfolio with US, Chinese and European stocks.

Taking into account that among the securities there are the most popular "blue chips", we should expect high yields in 2013 as well.

The risk of losing financial investments in mutual funds is purely theoretical. Due to the fact that the invested money is distributed among different objects, the chance that all enterprises will go bankrupt at once is zero.

PAMM - high risks!

PAMM investment is in many ways similar to the placement of funds in mutual funds, the money is also transferred to the trust management of the account manager. Only this all happens in the virtual space, with the help of the Internet and the Forex exchange.

Opening PAMM-accounts today, many financial experts refer to the most priority types of investment.

The advantage of this investment is that a small investor can initially invest a small amount in order to "taste" the possibility of earning money on the international currency exchange.

The initial investment in a PAMM account can start from $100. By transferring money to trust management of an experienced trader, the investor is freed from vigilant control over currency price fluctuations.

And since the trader's remuneration directly depends on the income received, it makes sense for him to earn as much as possible.

Again, even if the session is not very successful in one trading period, it may overlap the next day. The average profitability of PAMM accounts, according to statistics, is never less than 10-15% per month.

For an inexperienced stock trader, the best option would be to invest in Alpari. More or less stable company. Forex-Trend competitor turned out to be a pyramid scheme

Consider what effect can be obtained by the results of the month, if you place a small amount of $ 1,000. Dividing the money between 20 traders, we have twenty PAMM accounts with $50 each. If we take into account that such a situation is possible that not all accounts will have equally profitable trading, then at the end of the month it will be necessary to calculate the average profitability.

The average monthly yield is 11.21%, and at the end of last year, the profit was 177%. Thus, minus the commission that the PAMM account manager will have to pay, the net profit from the invested thousand will be a little less than $100.

You can withdraw the profit received at the end of the first trading week. But it will be more profitable for the investor to capitalize profits, i.e. adding it to the principal amount of the account.

Passive income: gold, securities, currency

It is impossible not to call one of the solutions to the question “where to invest a little money” investing in precious metals. The acquisition of gold, platinum or silver is possible either in physical form (bars) or by opening a metal account.

Undoubtedly, precious metals have not fallen in price for many decades. However, a dramatic increase in prices in the gold market is not observed.

Therefore, investing in precious metals should be planned for a sufficiently long period and it is better not to limit yourself to one metal when opening a metal account: “split” the amount into gold and another metal.

The topic of investment in precious metals is the most interesting for us. Here are some helpful resources

One of the most famous ways to invest money is investing in a business. Many business areas allow potential investors to choose the most appropriate and promising investment option, focusing on their preferences and expert opinion. It is worth noting that not in all cases it is necessary to have a lot of money to make a profit. Even modest contributions can generate significant returns if the project is successful.

Fundamentals and types of investment in business

There are several types of business investment, which are distinguished by:

investment stages - in a business that has just started or in an already promoted company;
the volume of contributions - equity participation or full financing of the project;
by right of ownership - investments in one's own or someone else's business;
according to the forms of profit - income of an active or passive nature.

Also important is the type of investment, which can be direct or portfolio. In the first case, the investor invests only in one company, and in the second case, he distributes his funds among several organizations, forming a kind of portfolio.

Information diagram of the main strategies for investing in a business

Why you need to invest in a business

If a potential investor has a certain amount at his disposal, then the most rational decision would be to invest in business projects. Such actions will ensure a comfortable existence for both the most risky investor and his entire family, if everything is done correctly.

The mentality of the majority of our "Soviet-style" citizens is limited by various prejudices. They do not believe that it is possible to make a profit without investing fabulous funds, and without having special talents in the economic sphere. But these postulates are erroneous and have not corresponded to reality for a long time. Even a small amount of money can "work" for the benefit of its owner. To understand and accept this, you need to change your thinking and stop working "for your uncle", opening your own horizons in the field of entrepreneurship. If you invest in a business created independently and from scratch (own business), you can get the desired feeling of stability, confidence in the future.

Investing in a business: pros and cons

Of course, any investment process goes hand in hand with risk (however, like all existing types of investments). But, as you know, those who do not take risks do not become an investor, do not get a chance to improve their lives, and continue to work "from pay to advance".

Investing in a business has several benefits:

The ability to choose any direction from those that are most interesting and familiar.
There are no income restrictions. In other words, you can expect to receive a profit of 100% or more in excess of the initial investment. The faster the company develops, the higher the level of financial returns.
There is no need to have a large initial capital. Even a little money can help you make good money.
The investor has the right to directly influence the activities of the company in which he invested funds (if the type of deposits is not bonds). In some cases, the investor takes control of the organization into his own hands, increasing the income item.
Visible return on investment. The company's assets reflect the results of investment activities.
Ease and availability of passive income through investing in business projects.
At the same time, it is not necessary to have special knowledge and skills in the field of investment. Such an activity is a great way of self-realization. You can create your own business from scratch and subsequently be proud of your "brainchild".

Disadvantages of investing in a business:

High risks of financial losses. If the business is organized incorrectly, then there is a high probability that part of the funds (and sometimes all the capital) will be lost.
Corruption in the country and a large number of legislative restrictions can cause slow business progress. Restrictive acts, inspections of regulatory authorities, fiscal services sometimes cause the collapse of even the most successful business.
For active investors, having a certain knowledge in the field of economics is necessary in order to maximize their income.
Unstable return on investment in business projects. Many factors influence profitability. Having absolutely identical initial conditions, you can get different income in the end. Therefore, it is so important to actively study the market and adapt in time to its changing direction.
Discord between partners. In some cases, when the conflict between investors reaches its climax, one of them goes out of business, taking his funds. Such actions negatively affect the profitability of the entire enterprise.
The need for patience. You should not count on momentary enrichment, because it takes some time to get more or less significant profit.

It is also possible the occurrence of various force majeure circumstances. In addition, very often business projects require regular cash injections. If this is not done, then you can get a decrease in the profitability of project investments. However, do not be afraid of such an impressive list of cons, because these are more warnings than a pattern.

Ways to reduce the risks of investing

Two interested parties - the owner of the business and the investor - want to receive income and minimize all kinds of risks as much as possible. The owner of the company wants to attract more investors and keep them, and the investor wants to save his money and increase it. There are several main investment risks:

Organizational - not properly organized business;
Legal - lack of legal confirmation of the fact of investment by the investor;
Financial - ignorance of the basic rules in the field of economics, which entailed losses;
Economic - an unstable state of the economy.

If you use the services of lawyers at the initial stage and protect your investments with documents, you can avoid the influence of the legal aspect. It is also necessary to adequately assess the economic efficiency of the current project. It is recommended to carefully study the field of activity in which a particular company operates. If a person is absolutely ignorant in a certain area, then he should refuse to invest in such a project. To increase the chances of success when investing in a ready-made business, it is worth visiting the office of this company, talking with employees, assessing the general situation.

Top 9 ways to invest in a business

Creating "your" business. This method is suitable for those who have basic knowledge of the rules of doing business, understand the economy, at least at the initial level. The presence of the notorious "entrepreneurial streak" is also welcome. In this case, you have to invest not only your money, but time and mental strength. It is difficult to call this method passive - it is an active type of activity. In addition, you should not count on a quick return. However, one of the clear advantages of investing money in your own business is the undivided ownership of all profits. Owning a business is a dream for many, but not everyone can achieve it. You will have to invest finances, time, soul, experience, knowledge, before resting on your laurels.
Become a franchisee. Buying a franchise business allows you to save several years that would have to be spent on promoting the company. In the case of a franchise, the entrepreneur receives a ready-made business with a recognizable name. What are the advantages of this way of investing in a business:
1. Advertising costs are kept to a minimum;
2. Few expenses;
3. Availability of professional support and advice from the franchise owner;
4. Payback comes very quickly.
In some cases, the franchise owner helps with staff training, decoration of a commercial or industrial premises, and provides ready-made equipment.
Online business projects. Today, investing in a business in this way is a very popular investment option among modern investors. The webmaster creates his site, fills it with unique content, monetizes it by selling ads. This is a very effective method of selling information online. If the investor is an expert in any field and can offer site visitors copyrighted content, then the success of his site is guaranteed. Topics for articles can be very different - from legal advice to acne problems on the face. The organization and conduct of online seminars using web programs are also very relevant. You can buy a ready-made site and keep it afloat by periodically adding new publications, while selling contextual advertising in parallel.
Startups? Why not! Finding a promising project is not so difficult. Many startups have only a good idea in their arsenal, but do not have the money to implement it. Investors in this case take on all the risks of implementing the project and invest their money in it. The author gets about 10-15% of the income. This way of investing can equally well both "get rich" and ruin an investor.
Buying shares. Successful and not so successful companies sell their shares through the stock exchange. A share is a title security in which an investor is entitled to some portion of a company. How to make money on stocks? You can buy securities at a low price and sell them at a higher price. However, before buying, you should carefully study the financial condition and reporting of the company, because the security of not every organization can make a profit.
Investments in production business projects. An investor invests his finances in a factory or plant for the production of any goods. First, you should study the profitable part of the enterprise, its competitiveness and compare the likelihood of a return on the money spent. If the company has a stable position in the market, then a return on investment is more than likely. It is best for a novice investor to invest in factories that produce mass-market goods, which are engaged in the manufacture of essential products.
Investing in small business. Small industries and firms that are not part of any corporations and associations can be a good investment. You can invest in a ready-made enterprise and expand it, or you can invest money in a business from scratch. These methods will be effective if you choose the right direction.
Purchase of bonds. These securities are a kind of documented evidence that the investor, by purchasing them, lends money to the company. This is one of the ways entrepreneurs borrow funds. The level of risk in this case is much lower than when investing in stocks. This type of investment is debt and is considered a more reliable way to generate income. Bond coupons are paid regularly. Sometimes low credibility companies offer very high coupon rates to attract more investors.
mutual funds. This type of investment is classified as direct. An investor buys a share in a fund. He, in turn, invests the funds received at his own discretion, taking into account diversification risks. But this way of investing money is highly dependent on stock market crashes. The investor does not in any way participate in the activities of the mutual fund, shifting all responsibility for the success of investments to its managers. It is worth noting that no one needs to pay commissions. The difference in the share price is the profit or loss.

It is impossible to call investment in a business an absolutely safe way to earn money. But if you approach this matter clearly and competently, calculate the possible risks, involve reputable specialists in the matter, then you can manage your money well and get a source of stable income, which we all dream of.

In what business to invest money to earn. Business investment

Where to invest money - Startups

Where you can invest small money - PAMM accounts

Risk control

Investments in the stock market

Investment in Options

How to make money investing in options?

Investments in shares

Investing in metals

Where to invest money safely - Bank deposits

Where to invest money - PIF

There are several types of mutual funds

Art objects

250 000% per annum

Where to invest money online

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

Rule number 1. Free money

Rule number 2. Regular income

Rule number 3. Investment plan

Rule number 4. Don't waste your profits

Rule number 5. Control your money

2. Where to get money to invest profitably - tips

3. 13 ways to invest money so that it works and generates income

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

Which bank is better to put money at interest in 2019 - expert opinion

Method number 2. Investing in mutual funds

Method number 3. Acquisition of real estate

Method number 4. precious metals

Method number 5. Business

Method number 6. Purchase of securities

Method number 7. Private lending (P2P lending)

Method number 8. Buying currency

Method number 9. Investing in art

Method number 10. Internet projects

Method number 11. Binary Options

Method number 12. PAMM accounts

Method number 13. Invest in yourself

1. Health

2. Appearance

3. Knowledge

7 principles of investing to make money

Principle 1. Long-term perspective

Principle 2. Careful examination of the financing instrument

Principle 3. Own opinion

Principle 4. Know how to stop

Principle 5. Take your time

Principle 6. Choose winners

Principle 7. Think about tomorrow

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

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

Expert Tip #2: Create Recurring Passive Income

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

Expert Tip #4 High Yield Investing

Expert tip #5. Check information

6. Where not investing money so as not to burn out - the main investment mistakes

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

Opening a deposit account

What is a mutual fund and how profitable is it for an ordinary shareholder

PAMM - high risks!

Passive income: gold, securities, currency

Fundamentals and types of investment in business

Why you need to invest in a business

Investing in a business: pros and cons

Investing in a business has several benefits:

Disadvantages of investing in a business:

Ways to reduce the risks of investing

Top 9 ways to invest in a business

Recommend other articles

Berry cheesecake with blackberries without baking How to make cheesecake at home

Risotto with juicy beef