Invest money at a high interest rate. Where to invest a small amount of money

Passive income is what many people dream about, regardless of age, place of residence and other factors. One of the most famous and reliable ways to generate passive income is deposits, but not everyone knows what needs to be done to make such a dream come true.

We are often asked the question of where to invest in 2019 in order to earn money, so we have prepared a material for you with a detailed consideration of various investment options.

5 options where to invest money is profitable

There are a large number of options for investing money, but we have compiled the TOP 5 of the most profitable ones. When compiling this list, we tried to correlate both profitability and risks, so you will not see in it ways of earning that involve high risks.

Let's start looking at investment options from the less profitable way out of 5.

5. Mutual funds - monthly income

Often, when asked where to invest money in order to receive a monthly income, people get an answer about the option associated with mutual investment funds (UIFs). This name covers a special property complex that does not have a legal entity.

Each unit investment fund is based on the principle of trust management of the fund's property. Thus, it is possible to achieve an increase in the value of this property, which means the emergence of profit for each investor (in such a system they are called "shareholders"). The amount of investments depends on the number of shares, the ratio of which to the total amount determines the amount of profit (you invest more, you get more).

It is worth explaining that an investment share is a special security that certifies the right of the owner of this security to a certain part of the property fund to which it belongs. You can find more information about this security in the rules of a particular fund.

To redeem shares at the current value means to exchange securities for money, and the size of the amount will completely depend on the percentage to which you are entitled, it is indicated in the share.

Note that each share grants a certain amount of rights regardless of investors, and the rights of each owner are recorded with the help of an independent organization that maintains a register of investment share holders.

Yes, this investment option can be considered in some situations, but the amount of income it brings, according to past data, is not so great, and the risks of investing in mutual funds are relatively high (they cannot be called great, but there is a chance of a collapse in the market, and this will lead to significant losses of shareholders).

4. Bank deposit with interest

Recommended investments: from 100,000 rubles.
Risk: minimum.
Profitability: low.

If you are wondering where to invest money at interest in order to have a stable income throughout 2019, then one of the most acceptable options would be Bank deposit.

Let's consider the essence of this option: a depositor (a person who wants to open a bank deposit) transfers a certain amount of money to a credit institution, which spends certain financial operations leading to profit. Thus, the bank can provide profit for itself and the depositor.

It is worth discussing such a moment as the interest rate. The depositor will receive a fixed amount of profit, regardless of the success of the financial transactions that were carried out with your money. If the contribution provides for 10% per annum, then, as you might guess, from 100,000 rubles of the contribution, a person will receive 10,000 profits. Yes, the annual percentage for this option is relatively small, but it should be understood that there are practically no risks in this method of investing money.

The only risk that a person who has made a bank deposit has is a certain chance of the bank losing its license or ruining it. Fortunately, such situations can be easily avoided if you adhere to one simple rule - contact only well-known and reliable banks.

Note! The given example does not reflect the whole essence of deposits, because there are other options. Carefully study the conditions, because the interest can be calculated not once a year, but 4 times, or even every month. Of course, in such situations, the interest will be much lower, if you are not sure that you can do without this money for a year, it is worth considering such options.

Recommended investments: from 30,000 rubles.
Risk: minimum.
Profitability: below average.

You can endlessly choose the place where it is better to invest for a novice investor, but it will not work to come to a specific conclusion, since there are a large number of points of view, many of which contradict each other. Let's look at the two main options that are in third position - securities and precious metals, and also draw conclusions.

As for securities, they are of various types:

• basic (stocks, bonds, bills and much more);
• derivatives (options, swaps, etc.).

Note that for competent investments of this type, it is necessary to study a lot of information regarding this issue and be aware of the current situation on the market. Thoughtless investments in securities are unlikely to lead to at least some profit, so the second option is worth considering.

As for precious metals, such investments are much easier, since everyone understands their essence. The most common option is to simply buy one of the metals on the following list:

• platinum;
• gold;
• palladium;
• silver.

This option does not always make a profit (this requires a big jump in price), because the selling price always differs significantly from the purchase price. The most interesting way to invest in precious metals is to purchase precious coins, which have an additional reason for the increase in value.

We are talking about the eagerness of collectors to acquire them, because the circulation of such coins is quite limited. But it is worthwhile to understand that such an investment is designed for at least 10 years, because you need to wait until the coin becomes in demand.

Note! The risk of investing in precious metals is minimal, as they all slowly add in value.

2. Investments in PAMM accounts

Recommended investments: from 1000 rubles.
Risk: average.
Profitability: high.

The World Wide Web is incredibly developed, so many people began to ask the specific question of where to invest money on the Internet in 2019. Let's talk about the most profitable way to make money in Russia today. It is about passive income where it is more profitable to invest money, we will now tell you.

PAMM accounts are a term closely related to the Forex market, but do not rush to choose from the methods presented earlier, since such investments do not imply a thorough and long study of the market. If you explain the essence of such investments in simple words, then, one might say, you simply trust your money to the trader (manager) who trades it.

Note that the manager himself makes a certain contribution to the PAMM-account, then the percentage of investments of each investor is calculated. This is necessary in order to correctly divide the profit (what percentage do you have from the amount of the PAMM account, this percentage of profit from trading operations will be yours).

The most famous PAMM broker in Russia today is, the largest and most profitable PAMM accounts are located here.

Note! This option has risks that can be mitigated if certain ones are known. We are talking about the choice of a manager, which determines whether you will make a profit or suffer losses.

When choosing, you should rely on the profitability of the account, its drawdown and many other factors (we advise you to study the chart that should be attached to each PAMM account). It is important to look at the contribution of the manager himself, because this can say a lot, or rather, about his confidence in his abilities and a specific account.

It should be noted that PAMM accounts have one indisputable advantage, the essence of which lies in the absence of transferring money to the trader, because they will continue to be in your account, that is, he will only be able to trade them, and it will be impossible for him to withdraw these funds.

Recommended investments: from 1,000,000 rubles.
Risk: minimum.
Profitability: average.

We are often asked where to invest a million rubles to make money without big risks. One of the most well-known ways to the public is to buy real estate. In this issue, the main difficulty is not to be mistaken with the purchase of an apartment in any new sector, where there will be no strong demand in the future.

Profitable this way earnings should be called in situations where a person can competently analyze the situation and understand whether there will be a demand for this property in the future. 1 million rubles is minimum amount, but it is better to engage in such investments if you have at least 3-4 million.

The disadvantages of this method are that if you miscalculate with the purchase, then you will simply lose part of the initial amount, and the losses will be significant. We will also mention the significant loss of time.

It is recommended to buy real estate only for those people who are ready to analyze the real estate market, compare offers and competently choose the most attractive options. It should be understood that this will take a lot of time, but with a bit of luck and diligence, it turns out to earn a lot.

In this material, the most popular options have been collected on the advice of experts, but the question of where it is profitable to invest in 2019, so as not to lose, you have to answer yourself. Someone prefers more profitable options, and someone seeks to protect themselves from high risks.

One of the priorities of an independent person is to receive income expressed in monetary terms. Such income (if from it, other taxes and expenses) can be active or passive. In the first case, in order to get his money, the employee performs certain actions in accordance with the requirements of the direct manager. The second option implies that income is the result of correctly made investments (investments) in any project or business.

Investing money in Russia is invariably associated with risk: there is a high probability of losing them, if not due to the actions of individual fraudsters, then as a result of another "surprise" from the state. Therefore, a citizen who is thinking about where to invest money should be especially careful in choosing sources of income. The safest and most promising of them will be listed below.

The most profitable investment of money today

First of all, the future investor needs to decide which investment object of the available funds is most interesting to him. It makes no sense to invest in a project, even the most fashionable and with an impeccable reputation, if it is incomprehensible or unpleasant: the only result of such an experiment will be an obsessive desire to quickly "recoup" your investments and leave the game.

Advice: no need to immediately get carried away with exotic ideas. For example, a person who is just starting his career as an investor is unlikely to invest all his savings in: such a business is not only risky (animals can get sick and die at once), but also requires the arrangement of a separate room, which is associated with increased costs. Undoubtedly, it is possible to make money on a project, but only if you have a "safety cushion" or other projects that allow you to stay afloat in the event of a disaster.

So, having determined the goal and abandoning unconstructive ideas, the novice investor must decide where to invest money; it is best to choose any option from the following list.

Deposit

A traditional bank deposit is, if not the most profitable, then the safest investment. Funds deposited by a citizen into his account are insured without fail, and therefore, even with the collapse of the bank, the depositor will receive compensation, albeit not in full. It is not excluded, however, cases when the only way to restore justice would be the filing statement of claim to court, and how long it will take to move from instance to instance is impossible to predict; but the chances of a favorable outcome are consistently high.

So, to make money on a deposit, you need to find a bank offering deposits on the following conditions:

• high accrued interest;
• deposit security guarantee;
• the ability to withdraw money at any time.

Important: special attention should be paid to the last point. If the bank offers an attractive interest rate, but at the same time prohibits the client from using the placed funds before the expiration of a certain period, such a deposit is not suitable for receiving monthly passive income, although it can serve as an object of long-term investment.

The most attractive for depositors, according to the rating compiled by experts, are the following banking organizations.

No. 1 - " Tinkoff Bank» ... Its main advantage is its distance: depositors are serviced only by phone or via the Global Network. An exception is the delivery of plastic cards, which requires personal contact between the courier and the recipient.

Terms of a deposit at Tinkoff:

• interest rate - up to 7% per year;
• the minimum investment amount is 50,000 rubles;
• interest is transferred to the issued plastic card;
• the depositor can replenish the account or partially withdraw money from it.

No. 2 - "Sovcombank"... It has been operating since 1990 and is one of the top 20 largest banks in the country.

Terms of a deposit in Sovcombank:

• interest rate - up to 7.6% per year;
• accrual period - once a calendar month;
• the minimum investment amount is 30,000 rubles;
• interest is paid at the end of the term of the deposit, but is partially retained in case of early termination of the agreement;
• the deposit can be replenished, but money cannot be withdrawn from it.

No. 3 - "UniCredit Bank"... European organization, represented in Russia for 25 years. The largest of the country's remaining banks with foreign capital.

Terms of deposit at UniCredit Bank:

• ruble interest rate - up to 8.35% per year;
• dollar - up to 3.23% per year;
• in euros - up to 0.20% per year;
• accrual period - once a calendar month;
• the minimum investment amount is 50,000 rubles.

Important: current legislation does not prohibit a citizen from having deposits in several banks at once. The main thing is the availability of starting funds and the legally flawless execution of the contract.

Mutual funds

The essence of the action of a mutual investment fund, or mutual fund, is the joint management of investments, which are made up of the funds of each fund participant who decides to invest in one or several projects. Accordingly, all the property of a mutual fund consists of proportional parts - shares.

Benefits of investing in mutual funds:

• registration in accordance with applicable law;
• legal protection of each of the parties;
• high liquidity due to the constant presence of assets on the market.

Disadvantages:

• the lack of guaranteed profits, and sometimes the loss of the fund;
• the possibility of fraudulent actions on the part of the fund manager.

Despite the high liquidity and potential profit of up to 50% per year, participation in A mutual fund can hardly be called a profitable investment for a novice investor: depending on the terms of the agreement, he may receive the right to sell his share at any time (open-ended fund), at certain periods (interval) or at the end of a specified period (closed). The first option is less common and usually associated with the greatest risks; a citizen who is thinking about where to invest money in order to make a profit in the short term should pay attention to other - "faster" projects.

Forex

The principle of operation of the Forex market (FOReign EXchange, foreign currency exchange) is very simple: a depositor (trader, player) makes money by guessing rate fluctuations in the currency pair of his choice (for example, the dollar / euro): buying 1500 dollars for 1200 euros, he can in the future, sell them for 1300 euros, thus obtaining an income of 100 euros - today about 7000 rubles. In addition to currency pairs, a person looking for an object of profitable investment of funds can guess the fluctuations in the prices of various stocks or precious metals.

Important: to make a profit on Forex, you need to conclude an urgent (for 10 minutes, three hours, a day or a week) deal for the fall or rise in the pair rate. The deal can be concluded for the entire amount of funds available (highly not recommended), or for any specific amount. At the end of the specified period, the investor who made the correct bet receives his winnings and a percentage bonus from the broker.

Both the advantage and disadvantage of investing money in Forex trading is unpredictability.: Even the most experienced investors cannot say with complete certainty that the rate will go up or down. Depending on the confluence of many random factors, including changes in foreign and domestic policy, a player can either get huge profits in one deal, or be left not only without money, but also with completely spoiled nerves.

Advice: You should not immediately invest heavily in Forex trading. To assess market opportunities, it is enough to invest a minimum of money; then, with a satisfactory result, the amount can be gradually increased.

PAMM accounts

PAMM accounts (Percent Allocation Management Module) differ little from mutual funds: the manager (manager) invites people who are thinking how to profitably invest money to become co-investors in the project; if they are successful, each of them can receive an income proportional to the share in the total capital. The difference is precisely in the way of control: the activity of a PAMM account throughout its existence is controlled by one person, receiving for his efforts up to 50% of the profits, depending on the total investment and the terms of the contract.

It is difficult to say how profitable it is to invest in PAMM accounts; the amount of income (both total and each of the project participants) depends on the talents and conscientiousness of the manager, as well as on many random factors.

Advice: as in other cases, a potential investor is not recommended to invest all the money in a PAMM account: even with a favorable set of circumstances, the profit will be relatively small - less than in more risky enterprises. It is better to divide the available funds into several parts: for short-term, long-term, more or less reliable projects.

Precious metals

Investing in precious metals (gold, platinum, silver) is one of the most popular ways to generate passive income in Russia. A citizen who thinks about where to invest money can either buy bullion (it is, of course, better to keep them in safe deposit boxes), or buy futures or become the owner of an impersonal metal account. In part, the purchase of jewelry is part of this option for a profitable investment.

The main advantage of investing in precious metals is a consistently high price for them: if necessary, the investor can simply sell his property, having received a little less or more than he paid.

Stability is at the same time the main disadvantage of investing: metal prices fluctuate so little that a player on the stock exchange simply cannot get a large momentary income.

Advice: do not neglect the opportunity to invest in precious metals. In the long term, this will at least create a "safety cushion" for the investor, and in case of serious changes in the market, the probability of which is always nonzero, it will become an important source of income.

Real estate

As in the case of precious metals, real estate investments are intended to provide the depositor with income rather in the long term. Although the fluctuations in the real estate market are usually more significant, sharp drops or jumps in prices are unlikely to be expected. For a person who is thinking about where to invest money and who has a suitable amount on hand (housing, as you know, is not cheap), investing in real estate is a way to make money not only on the subsequent sale of an object, but also on renting it out. According to experts, the average passive income of a lessor is 10-15% per year. Thus, the payback period for an object that is constantly in operation is 6–8 years.

Advice: One of the easiest ways to make money on real estate is to purchase a housing certificate in a building under construction. When the object is ready for delivery, the investor can sell it at a higher price or use the document in kind - for example, by renting new apartment for rent.

Cryptocurrency

Investing money in cryptocurrencies (bitcoin, litecoin, ethereum and others - the assortment is huge today) is a rather risky, but also promising way. In fact, this is the same speculation on the stock exchange: the goal of the buyer of any currency is to buy it at a lower price and then, after waiting for growth, to sell it at a higher price; the difference between the purchase and sale prices will be the income.

Benefits of investing in cryptocurrency:

1. Significant fluctuations in the exchange rate, giving the investor the opportunity to sell or purchase the required amount on the most favorable terms.
2. Crypto-money can be obtained without making purchase and sale transactions - by means of mining (using the computing power of a computer).
3. "Transparency" of transactions and transfers of certain types of currencies (in particular, bitcoin), which protects each of the parties to the transaction from fraudulent actions of the counterparty.

Disadvantages:

1. Difficulty of entry. The price of the most famous cryptocurrency, bitcoin, has grown from a few cents to several thousand dollars in seven years. It goes without saying that it is much more difficult for a new investor looking for where to invest money now to become the owner of at least one bitcoin than in 2011-2012.
2. Unpredictability. Cryptocurrency rates are not regulated by anyone: both sharp jumps and unexpected downturns are possible, which can drain the nerves no worse than playing on Forex. It will be extremely difficult for a person who yesterday bought a crypto unit for 11 thousand dollars to come to terms with the idea that today it costs 8 thousand, and tomorrow, according to all forecasts, its rate will decrease by another thousand or two. But it will become even sadder when, after a hasty sale at a reduced price, the currency begins to actively grow again, reaching a record 12 thousand dollars per unit. The ability to cope with such setbacks is the main condition for a long and fruitful presence in the cryptocurrency market.
3. The high cost of mining. If a person, pondering where to invest money, decided not to buy cryptocurrency, but to get it on his own, he will have to spend money on mining equipment; in addition, far from cheap cooling units will be required. Don't forget about electricity bills - the main and only driving force behind the process. Of course, theoretically, you can use your own personal computer, but its computing power will not allow you to get significant profits.

Advice: investing in new cryptocurrencies may be more profitable option... While the rate is weakened, there is a chance to acquire a conventional unit at the lowest price; then, depending on the circumstances, the currency may rise, and then the buyer will win, or stall - in this case, you will not have to regret much about the minimum investment.

Starting a business

Another option, at least in the early stages, does not promise passive income, or otherwise merge into the business world. At the same time, it is not necessary to become the owner of the entire business: you can cooperate with acquaintances or friends, or buy a share in an already functioning project. It all depends on the imagination and ambitions of the novice investor, as well as on the availability of the required amount.

It is quite logical that the main danger of starting your own enterprise is the likelihood of a quick collapse for a number of reasons:

• young business was unable to withstand the competition;
• the investor made a gross financial mistake or committed an offense and, as a result, was left without funds or was imprisoned;
• the tax burden turned out to be too heavy.

Based on these considerations, a person who does not stop pondering where to invest money, it is better at least at the beginning of the path to join forces with like-minded people or find an experienced consultant, which will help to solve the problems arising in the course of registration, registration and operation of the project.

However, not everything is smooth here either: both partners and consultants may turn out to be unreliable, incompetent people, or even common scammers who are going to embezzle the money invested in the project. In such a situation, there is no need to talk about profitable investments: after the discovery of deception, all the forces of an unlucky entrepreneur will be aimed at eliminating financial problems or tracing the person who appropriated the money.

Advice: you should not trust the affairs of unfamiliar people, no matter how tempting their offers may be. It is better to use the services of qualified, respected specialists, even if the profits they promised will be an order of magnitude less: the investor can at least be sure that his money will not dissolve without a trace, but will work, bringing, although not too large, but stable income.

Investing in yourself

You can go the other way, investing money not in business, precious metals or Forex, but in self-development. In fact, a person who does not have the proper competence, even with a good starting amount, will not be able to achieve impressive results, and most likely, sooner or later, will spend the savings by committing one or several rash acts. To avoid misunderstandings and mistakes, it is necessary, without sparing time and money, to acquire the necessary knowledge and skills: take training courses, study the topic on their own, purchase special programs and equipment.

Of course, at first glance, this may not seem like a smart investment, but a person with useful information is likely to cope with an unexpected problem or chronic difficulties (for example, the peculiarities of domestic taxation).

Advice: in addition to gaining new knowledge, it would be nice for a novice entrepreneur to invest in his own appearance. The money spent will be paid off by the opportunity to successfully communicate with people, which means - to conclude more profitable contracts from a financial and legal point of view, while simultaneously finding permanent business partners.

Objects of art

It is difficult to say how much and under what conditions the value of the objects of art acquired by the investor will rise, be it antiques or masterpieces of young authors. And if in the first case the investor can at least expect to return the money spent by selling the painting or statue at par, then the quite likely outcome of the second is the creator's obscurity and the buyer’s losses.

For a citizen deciding where to invest money, it will be helpful to keep in mind the legal risks of acquiring art: they can be stolen, have another rightful owner, or even fake.

Advice: in order not to be in an unpleasant situation, the investor is advised to use the services of experts specializing in the desired field of art history. This will allow not only to identify a fake, but also not to commit stupidity when buying a work by a novice author.

What is not worth investing your money into?

In theory, any business can be profitable if the organizers do not directly notify potential investors of their criminal intentions. The question is in the luck of the investor, the legality of the actions of both parties and the prospect of the project. Someone managed to get income on financial pyramids Oh; for someone, investing in completely legitimate mutual funds or PAMMs can turn into a collapse.

Still, it's not worth risking, especially for the entire amount at your disposal. A person who is just starting to invest is strongly discouraged from spending money on participation in various pyramids based on attracting new investors.

Deliberately unreliable projects can be distinguished by the following criteria:

1. The depositor is promised too favorable conditions. A profit of 60% per year or the opportunity to get a couple of million for one bet is certainly attractive, but not very realistic. It is impossible to completely reject the likelihood of unexpected receipt of a large sum of money (what then to do with lotteries?), But you should not trust overly tempting offers that have no basis whatsoever.
2. Obsessive, very aggressive advertising. A striking example is countless online casinos: even people who are not at all interested in the work of their marketers are familiar gambling... To a lesser extent, this applies to financial pyramids: their advertising in terms of solidity is often not inferior to the proposals of the most respected banks.
3. Offshore asset placement. Also not a 100% indicator, but the desire to minimize the tax burden is not yet a sign of a desire to deceive depositors.

Advice: instead of ignoring the proposals of seemingly dubious companies, it is better for a potential investor to make an effort and understand the scheme of their work. It may turn out that in reality everything is much simpler and even more transparent, and it is quite possible to profit from participation in the project.

How much money can you start investing with?

It is impossible to answer the question exactly. It all depends on the sphere of business chosen by the investor, his prudence and elementary luck.

The amount that most modern experts advise to be guided by is 100 thousand rubles. It is quite enough for investments in works of art, precious metals or cryptocurrency. Having accumulated more, you can try your hand at real estate transactions or open your own business.

A smaller amount is also not a problem: its owner may well open a bank deposit, conduct a couple of transactions in Forex, invest in acquiring knowledge or improving his own appearance.

Every investor (both a beginner and one who has been investing for a long time) needs to keep in mind a few simple tips:

1. It is important to take care of the "airbag"- money that can be used in case of loss of invested funds. The recommended amount is equal to the average expenses of the depositor for six months. For example, if a person spends 50 thousand rubles a month, the "safety cushion" should not be less than 300 thousand. Where to get the necessary money, the investor must think for himself: it is unlikely to help here, but to save a certain amount from each wages quite real.

Advice: A "safety cushion" can not only be stored at home, but placed on a long-term deposit, preferably with the ability to withdraw funds as needed.

1. You don't have to invest all your money in one thing.... It is obvious that in the event of a business collapse, the failed investor will be left either completely without funds, or with minimal compensation on hand. It is better to divide the amount into three or four parts, at least one of which should be invested in a long-term project. The rest can be disposed of at your own discretion, without forgetting, of course, about caution.
2. It is necessary to assess the risks in advance... No one wants to think about the unpleasant, but it is better to be prepared for a difficult situation (and keep a "safety cushion" with you) than to be confronted with a fait accompli. A competent investor planning a profitable investment needs to concentrate on the negative side of the matter: otherwise, everything may end not only in ruin, but also in attempts to get out of the debt hole, or even in a real prison term.

Advice: do not neglect the advice of specialists. For an investor, it will be much more painless to spend a certain amount and in the future to imagine all the possible cons and advantages of the enterprise, than to try to figure it out on his own, losing precious time - and therefore money.

Video - where to invest money without risk?

Summing up

Investing funds for the purpose of obtaining passive income is always associated with the risk of losing the invested money, but at the same time it can bring a person a stable profit, the amount of which depends on the efforts of the investor, his chosen field of activity and the combination of circumstances.

The main thing is not to forget about the rules of financial security and to assess in advance the prospects, including legal ones, of each transaction being made: this way the investor will be able to avoid disappointment and stay in positive territory by multiplying his savings.

Every advanced person thinks about where to invest money.

Demand generates supply, and today the investor is offered dozens of places where profitably investing 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 - Startups

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

Note that: New startups that require investment appear every day. But only 10% of them have been working for over a year.

In order to earn money, 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 many examples when startups literally from scratch turned into millions of companies, enriching their investors along the entire development path. 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 required amount to start. Investors choose startups and invest in them. So every startup can have many investors. When the startup reaches the requested amount, the project starts working 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 the world simply will not free funds... The startup market shrank in 2018. This was also affected by the crisis and solvency.

Minuses

A startup is about risks and unknowns. Often, startups die not because of a bad idea, but because of poor organization and incompetence of company managers.

Where can you invest small money - PAMM accounts

I am engaged in 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. This account initially contains only its authorized capital, for example, $ 50,000. Further, investors can invest in this account. The trader trades on the exchange with the money of this account and the profit from the trade is distributed in proportion to the contributions of each investor.

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

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

Profit in this type of trust management borders at an average level 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! This is very high percent, despite the fact that with portfolio investments, there are practically no risks, and the minimum investment starts from $ 10. As you can see, this is the place where absolutely everyone can invest small money.

Alpari provides all 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 stable profits. Since the trading strategies of managers are different, the profitability of individual PAMM accounts also differs. If the conservative ones bring in 4-6% per month, then the aggressive ones can give it 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 investment, it will take no more than 10 minutes.

You will find more detailed information about investments 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 in order to benefit from it, they are invested in stock market... The stock market is a platform where securities, goods and even services are bought and sold. The main sites are stock exchanges. In Russia it is Moscow Exchange- merging of two previously separate platforms 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 an appropriate license. An investor opens a trading account with a broker and through it buys stock assets like securities and others.

Investing in Options

For me it very profitable type of investment. Not so long ago I tried all the possibilities and 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 at a time specified by you. If your condition is met - the price of the asset rises or falls according to your forecast at the specified time, then you make a profit. Everything is arranged in such a way that even a child will understand.

Best of all, I'll give you an example right away:

• You are buying binary option for shares Microsoft for 1 hour and indicate that the price will rise. If after an hour, the price of Microsoft shares is 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 from one minute to a week, the investment period is set by you. 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 by investing in options?

It's very simple! Only follow the news... If you find out that Toyota sales of a new series of cars starts tomorrow, which means their shares will rise tomorrow. All you need to do is invest in a Toyota stock option with a 1-day or even 1-hour price increase in the height of the day or at the very beginning. If you find out that the tsunami flooded the Toyota plant, then their shares will fall and you can invest in an option on the condition that the price falls.

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

And here's a recent example as a guide:

Step 1 - choose an asset... I selected Facebook stocks for binary options:

Step 2 - Specify the option expiration time and forecast... I indicated the expiration time at 21:35, since it is now 21:25, then I will invest for 10 minutes. In this case, I predicted a rise in the share price and clicked the button UP:

Step 3 - I make a profit... 10 minutes passed quickly, and Facebook shares managed to gain a little in price:

pros

This is the most profitable investment, in just 5-15 minutes you can get 70% of the profit. Many trades 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. A successful investment requires 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 old and classic way. There are different ways to invest in stocks, depending on the company. Average stock returns fluctuate from 10 to 20% annual.

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

For established companies, the average growth can be 5% per year. For example, Google is a huge business that has already taken place, imagine what it needs to do to increase its value by 100% in half a year? It's almost impossible. But for a small pizzeria, it is enough 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 other exchanges with a broker (the minimum deposit for opening an account is $ 100). There you can, Microsoft and over 1000 other companies from all over the world.

In addition to already established billion-dollar companies, new ones are constantly appearing, whose shares are very cheap, but their potential, like 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 the ideal option - this is trading on the price difference.

There are more than 1000 shares different directions, for example Adobe, Electronic Arts, AMD, Ford etc.

I really like trading with a broker, I have been working with this broker for many years and above you have seen an example of a transaction at the branch of this broker for options.

Now I'll show you an example of a stock deal. In order to buy shares, I went to trading platform, chose Ferrari stock and pressed the button BUY:

A little later, Ferrari shares rose in price, as did my profit:

At this point, the profit is still floating, as it depends on the share price, which continues to change. To get profit on your account, you need to sell shares, that is, close the deal, which I did:

Now my account has been credited with profit in $73,2 :

It must be said that among the broker's assets are not only stocks, but also all currency pairs, indices and commodities, energy and others.

pros

Stocks are capable of generating good returns, privileges and can be a long-term investment.

Minuses

The market can be volatile and needs to be constantly analyzed. Although portfolio investments are quite stable even in times of crisis.

Investing in metals

Buy physical gold for future use is one of the long-standing traditions of saving money. And today, gold bars are available for free sale in almost all banks in many countries, including Russia, Ukraine, Belarus. A gold bar can be of different weights, ranging from 1 gram to 1 kilogram. Each bank puts its own price on it.

Note that: Gold has experienced a price boom over the past 15 years, but has been relentlessly losing value since 2012. Today 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 of his "gold" assets and was right. I think that in 2018 there is no need to rush to invest in gold, at least it is worth waiting 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 dealing with gold have already suffered losses.

pros

Metals have a certain physical reserve, so there is no need to expect strong drops in price. Metals are a long-term and safe investment. Investing in metals is available to almost anyone with 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 are considered significantly 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 promotions. are mainly based on stocks. But in order to successfully invest in stocks, it is not enough just to have money to invest, you need to 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 securely - Bank deposits

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

I would say that people do not invest money in banks, but simply deposit ... The only exception can be 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 for each deposit against unforeseen circumstances.

Among the most reliable banks:

• Sberbank (sbrf.ru)
• Vneshtorgbank (VTB) St. Petersburg (vtb.ru)
• Gazprombank (gazprombank.ru)
• Russian Agricultural Bank (rshb.ru)

They offer not the largest, but stable and reliable annual interest rates: 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 make money in a bank, and a depositor can only keep his funds.

pros

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

Minuses

7-10% profitability does not justify itself, since the inflation rate is exactly at this level. It is difficult to call it an investment.

Where to invest money - mutual fund

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

There are several types of mutual funds

• Piff open type- here you can freely buy or sell a share.
• Interval Pif- the share is sold only after a certain time.
• Closed Piff- do not accept deposits from private investors. Profit is usually paid at the end of the year.

A mutual fund can be viewed as a trust management - you buy shares, and your money is managed by a company, as a result of which the prices for shares go up. But as I said before, the risks are high in 2018. If you decide to invest in a mutual fund, it is not worth investing in them all the capital, but only some part. The ratings of the profitability of mutual funds can be viewed on the following pages:

• //pif.investfunds.ru/ratings/
• //www.nlu.ru/pif-doxod-renking.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 prospects, 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 fund is 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 value again. In any case, in order to stay profitable, you need to invest in mutual funds for the long term of several years.

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

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

At the same time, it is necessary to understand that it is safer to invest in several different unit investment funds at the same time. 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, profits can be up to 80% per annum. Limited risks depending on the specific conditions of each mutual fund.

Minuses

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

Objects of art

One hundred percent return is not like that very rare in this free market. But only smart and tasteful investors can sense what may have the greatest investment potential.

250,000% per annum

The safest investment is investment in famous artists of the last century. For example, Andy Warhol's painting Lemon Marilyn was acquired 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 ones, who are regularly exhibited in galleries and advertised in every way. Pictures of 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 should be said that the main buyers of art are by no means amateurs and collectors, but financial market players.

Not all investors are versed in painting or artists, but this does not prevent them from making money on it. Such investors attract special consultants that make an objective assessment of the asset, verify the authenticity, accompany the purchase and sale process.

pros

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

• • Experienced Investor Rules
• • Option number 1. Bank deposit
  • Option number 2. Investing in the stock market. Mutual funds
  • Option number 3. Investing in the foreign exchange market
  • Option number 4. Investing in real estate
  • Option number 5. Investing in a multi-apartment rental building
  • Option number 6. Investing in a business project
• 5. Conclusion

Have you decided to make a fortune, but do not know where to invest the money so that it works and will surely bring income? Are you plagued by doubts, indecision? Trust me, it's okay. Every millionaire has gone through this.

Perhaps this article will help you find a foothold and get on the path of a new life. It has accumulated the experience of many wealthy people who have achieved success through bold and wise investment decisions. You will learn about time-tested ways of profitable investment and will be able to "try" these methods for yourself, learning from others' examples, mistakes and achievements. Let us analyze in detail in the article where to invest money so that it brings a high percentage of profitability.

Rules and ways where you can invest money to make them work

1. Investing funds for the purpose of making a profit - rules and recommendations of investors

Setting off on this voyage, you need to choose the right course so as not to run into reefs and shallows.A newbie investor also needs to decide at the very beginning of his journey on a direction that will provide him with maximum returns and minimum risks.

At the same time, one should not forget the common truth: who does not risk, he has no chance to earn. And one more golden rule of the investor: big risks are proportional to big profits.

However, in order for the risks to be justified, the first investments must be made not in a bank, not in shares, not in precious metals, but ... into myself... This means that a novice capitalist needs to acquire the necessary knowledge about money and the tools for working with it. Only armed with theory, you can prevent many risks in the practice of investment.

Experienced Investor Rules

Rule 1. Creating a financial cushion is a sine qua non for investing

One of the taboos of an experienced investor is to invest without a reliable financial base. In this case, we are not talking about bank deposits, which are not profitable, but rather a savings instrument.

Such financial "rear" is created by monthly saving money or by selling expensive property.

Let's say if you are used to living on the amount 100 thousand rubles per month, then before starting investing you must have at least 600 thousand rubles... Only those with passive income can do without a financial cushion.

- financial flows that do not require daily efforts (profit from business, renting out real estate, dividends on shares).

Rule 2. Diversification

In order for monetary investments to work effectively, distribute them among various investment instruments and, preferably, in different sectors of the economy.

Consider the textbook example of a basket of eggs. If it topples over, all the eggs will break. Therefore, by dividing your money and investing it in diversified areas (companies), you will not be left on the beans if one of these areas (companies) becomes unprofitable. The rest of your investments will "pull" your funds, not letting all the capital "go to the bottom".

Invest, let's say 30 % funds to the bank, 30 % to the oil and gas sector, 3 0 % into the manufacturing sector, and 10 % - in food. In this case, all the instruments in your investment portfolio are shares, real estate for rent, profitable business, bank deposit- will be resistant to market metamorphoses.

Keep in mind that you can buy real estate thanks to the parent capital - everything is about maternal capital 2019-2020 .

Rule 3. Keep everything possible risks under control

Without losing, you will not earn - all investors have to put up with this condition. But at the same time, experienced financiers try to dispose of their funds in such a way as to lose as little as possible and earn as much as possible.

Beginners tend to overestimate their strengths and flog a fever. They want lightning-fast blitzkrieg - and often find themselves overboard. Money doesn't like haste and aggression.

The art of investing - it is, first of all, thoughtfulness, prudence and gradual - STEP BY STEP - promotion.

You need to act according to the principle: from the simple to the complex, from the conservative to the vanguard. Start with, say, a thousand dollars and invest it in an area in which you are well versed (Recommended reading -). Forget about gambles with borrowed money by investing it in one actively advertised, but rather vague "business".

This could all end complete financial fiasco burdened by the overwhelming burden of credit.

Recommended! Take your time: Ostap Bender did not remind his impatient partner for nothing that "soon only cats will be born." Remember how carefully the great strategist himself carefully carefully his strategy in order to achieve the cherished goal.

Rule 4. Look for co-investors: this will multiply your opportunities

By joining forces with other investors and creating a "common pot", in the language of financiers called "pool" - you will achieve the maximum return on investment.

Let's say you come across a promising project or an attractive investment tool. And you don't have enough free money at the moment. The most reasonable thing in this case is to involve in this business those who will also like this investment idea, and together with them invest funds on an equal footing. (We recommend reading -)

Today, a popular topic for investors has become pamm accounts... It is about transferring your assets to trust management to a professional manager (trader), who receives a percentage as a reward for successful financial transactions. If the trader's management turns out to be ineffective, work with him stops.

If several investors jointly create such a pamm account and transfer their pumas to trust, then risks of losses are distributed to all- in proportion to the amount of money invested.

I follow this investment scheme, investors donating a small percentage of their money (as a rule - 10-20 % ), significantly multiply their income and reduce risks.

Rule 5. Creating passive income is just as important as multiplying assets

According to the famous American entrepreneur Robert Kiyosaki, passive income is a key condition for financial freedom. By his definition, assets are not only generators of income (rent, investment, business), but also its absorbers (houses, cars, liabilities).

Therefore, in order to get rich, it is necessary not only to have assets, but also to master the leverage that allows you to get these assets over and over again. This function is performed by passive income.

Let's consider this rule with an illustrative example. Let's say you invested 50 thousand rubles and received 75 thousand rubles a year later. Thus, your money has generated 30% of the profit. But you have no guarantee that you will earn the same amount next time. After all, such a "gain" significantly exceeds the banking one, which means that the risks of such a way of earning are much higher. In the event of force majeure, you face the loss of most of your capital or even the loss of the entire invested amount.

Now imagine that you created your passive income for the same 50 thousand rubles. It brings you consistently 1.5 thousand rubles a month, or 18 thousand rubles a year. Now you can quite now get a loan of 50 thousand rubles in order to use it as an investment. In this case, your passive income will be a reliable guarantee loan repayment.

2.What amount can you start investing with?

If you want to start investment activity from a bank deposit or purchase of shares, then any amount will do. You can start with at least a hundred dollars.

If you haven't made your start-up capital yet, start saving by monthly 10-15 % from your income. This is an easy way to build up a financial reserve that will grow as your income grows. So you will develop a very useful habit in yourself - to control your expenses without increasing them as you accumulate money.

Mark Zuckerberg is a prime example of prudent financial management. This millionaire has a spartan lifestyle. The rich man sleeps on a mattress spread out on the floor. I bought only a table and a chair from the furniture. Founder of Facebook, Zuckerberg has no internet access.

And this is not an isolated case of austerity among more than wealthy people. In the secular chronicle, there are enough anecdotes about "greedy" millionaires, walking in torn socks, saving used tea bags and being content with only one carrot for breakfast.

However, what is called "greed" in the language of the layman, millionaires and billionaires call "smart economy." The most successful of them learned the science of living within their means better than anyone else.

Strive to achieve a balance between your income and expenses - and you can become one of them.

3. Where to invest money to make it work: 5 options for profitable investment

Today, novice investors have a lot of temptations. The Internet is replete with paid special courses that promise a miraculous transformation into a millionaire in a couple of days, you just need to follow their recommendations on where to invest and when to expect profit.

However, such "freaky" recipes are often nothing more than a veiled scam designed for people who are naive and greedy for easy money.

You should familiarize yourself with the classic ways of investing. They will allow you to invest your savings in understandable instruments, which will lead you to predictable income and avoid excessive risks.

Option number 1. Bank deposit

This method is the most popular, but its income is minimal. But it saves money from inflation, especially when it comes to small deposits. Usually, the conditions of the deposit in banks differ significantly. Moreover, each financial institution provides customers with several types of deposits to choose from.

The optimal is the interest rate on the deposit, the amount of which is not lower than the refinancing rate. In this case, nothing threatens the depositor's money. Today in Russia there are many banks whose interest rates reach 10-12 % ... Sberbank is traditionally considered the most reliable financial institution, although it does not have a high percentage of deposits

Many banks provide customers with the opportunity to open deposits in any currency: rubles, euros or dollars ... In some, you can even open metal deposits ( silver, platinum, gold). Such an account holder has income when the price of precious metals rises. True, it is not guaranteed, since prices for precious metals may decline.

For reliability, it is recommended to open a deposit not in one, but in several reputable banks at once. Unfortunately, not a single financial institution is insured against bankruptcy. But banks don't all go broke at the same time. The weakest link in banking system are small banks.

In accordance with the legislation of the Russian Federation, if the bank loses its license, the insurance payment on the deposit is equal to one million rubles, i.e. amount in 1,000,000 rubles you will definitely get it from the state. This guarantees the clients of the bankrupt bank compensation for their funds, if the amount of the deposit did not exceed the insurance one.

Advantages and disadvantages of investing in a bank deposit

Advantages of a bank deposit (+):

• availability and simplicity;
• low risks;
• high liquidity (there is always an opportunity to withdraw money);
• the investment threshold is minimal (a thousand rubles is enough).

Disadvantages (- ):

• low level of profit;
• loss of income in case of early withdrawal of funds.

Option number 2. Investing in the stock market. Mutual funds

Stock market Is a place for the sale and purchase of securities: stocks, futures, bonds, etc.

This is a vast field of activity for those who have free assets and expect large returns, while taking into account the multiple risks lurking in operations in the stock market.

According to the duration of investing money in securities, investors are divided into long-, medium- and short-term (speculators).

The first type (long-term) includes investors who make purchases for several years in the long term. The cohort of these investors includes the most successful investor in the world, Warren Buffett.

Medium-term traders buy securities for several months or weeks, while short-term traders keep buying from several weeks to a couple of minutes.

You can independently manage your investments, or you can contact a reliable brokerage company or entrust the case to a trader. In addition, there are mutual investment funds (UIFs) where money is invested.

Let us dwell in more detail on this new form of collective investment for Russians.

Mutual fund - these are funds of several investors who have combined their securities into one investment portfolio and transferred them to the trust management of the manager company.

Mutual funds are open, closed and interval.

With an open fund an investor (depositor) can sell or buy his share any day, at interval- only in certain terms(several times a year), and when closed- exclusively at the end of the project.

As investment instruments in a mutual fund can be: cash, bonds, stocks, real estate. The most popular are mixed investment funds.

The income of shareholders is determined by the increase in the value of their shares, which can either rise or fall depending on fluctuations in the market value of securities. Therefore, the shareholders bear the risk of losses, because the profitability of the fund is not ensured either by its management company or by the state.

Each investor of the mutual fund receives income exclusively from the reverse sale of his shares. If it grows market price shares or bonds in the fund, the value of the shares also grows. At the same time, the activities of the management company are controlled by the FCSM, due to which the funds of the shareholders cannot "dissolve in the fog." In case of bankruptcy of the management company, the mutual fund does not “evaporate”, but is transferred to the disposal of another company.

To compensate for the costs associated with the issuance and redemption of shares, they usually introduce surcharges to the value of units when they are issued and discounts when they are redeemed... The surcharge for the acquisition of units practically reduces the number of units recorded in the shareholder's register. And the discount reduces the amount of money given to him in case of redemption of the shares. This is the direct cost of the shareholder. The maximum allowance is not exceeded aet 1,5 % from settlement the same value of the share. The maximum discount is not higher 3 % from the estimated value of the share.

At the expense of the property of the mutual fund, monetary remuneration is paid to the management company, the depository, the registrar, the appraiser and the auditor. Their sum is no more than 10% from the annual value of the mutual fund's assets. In addition, investors pay taxes on their income received from the fund. Residents of the Russian Federation pay tax at the rate of 13%, non-residents - 30%.

Advantages and disadvantages of investing in mutual funds and the stock market

Advantages (+):

• small initial investment (from a thousand rubles);
• a wide range of investment instruments;
• a fairly high percentage for each reporting period;
• receiving dividends;
• independent compilation of an investment portfolio, allowing you to correlate risks with projected profitability;
• information transparency: Management Company publishes full reports of its activities on a regular basis.

Disadvantages of investing in the stock market and mutual funds (-):

• the complexity of the investment procedure;
• big risks (there is no 100% guarantee of profitability);
• the need to acquire special knowledge in case you have to manage investment portfolio on one's own

Option number 3. Investing in the foreign exchange market

The English word "FX-market", or "Forex" (in Russian Forex), is the name for the global currency exchange market. All types of currencies are converted here. This is a real Klondike for speculative traders who perform most of their trading operations during the day. This allows some of them to multiply their capital several times in just a few weeks. We recommend that you read what Forex is and how it works in. From the article you will learn whether it is possible to make money and whether it is realistic to do it without investment.

However, in Forex, you can both make money quickly and a lot, or lose everything overnight. Huge risks are always associated with crazy luck here. Sphere foreign currency deposits supportive exclusively of professionals with deep knowledge in the field of finance. If you want to learn more about how to trade on Forex market then read on.

Fortune smiles on Forex as well for emotionally stable individuals. Therefore, beginners are the first to lose their money here. They tend to skip quickly and rarely come back from the first major failure. Only those who believe in luck remain, are distinguished by their diligence, iron discipline and vigilance.

We advise! You need to be extremely careful about the numerous offers of Forex brokers. Among these companies, there are many that, by concluding a contract with you, are not going to bring your trade deals to the real market. As a result, all your money will smoothly flow into their accounts, and you will be left out in the cold.

To prevent this from happening, before making a responsible investment decision, “probe the soil” well: monitor customer reviews, visit the office of a brokerage company, familiarize yourself with the management - in a word, make sure that the assistant you have chosen really trustworthy.

Advantages and Disadvantages of Investing in Forex

Advantages of investing in Forex (+):

• a small amount to enter (from hundreds of dollars);
• the ability to earn a lot and quickly;
• a wide selection of currency pairs for trading transactions.

Disadvantages (- ):

• the need for specialized knowledge and technical skills;
• extremely high risks

Option number 4. Investing in real estate

Both commercial and residential real estate, as well as a water body, a ship, land plot, an airplane and even a spacecraft (in accordance with the Civil Code of the Russian Federation).

It is clear that the more expensive real estate is, the more profit it will give, but at the same time it will require more literacy from the investor.

Advantages and Disadvantages of Investing in Real Estate

Advantages (+):

• the ability to have passive income by renting out real estate;
• the opportunity to make good money when selling real estate;
• the right way to save money during inflation;
• the possibility of targeted use of tangible assets (real estate is square kilometers where you can place your own business or use them for living).

Disadvantages of real estate investing (-):

• a fairly high entry bar (from hundreds of thousands or more);
• low level of liquidity (it is difficult to quickly sell without a tangible loss of value);
• susceptibility to damage and even loss ( natural disasters accident, damage to unscrupulous tenants), which requires the allocation of additional funds for insurance of tangible assets.

Option number 5. Investing in a multi-family rental building

In general, this is a type of investment in real estate, but it should be distinguished separately due to the many features of such an investment scheme. Unlike the usual investment in housing, which you can later resell, an investment in an apartment rental building allows you to start making a profit in 2-3 months and achieve a cash flow of 100-300 thousand rubles per month.

The meaning of such an investment scheme is that you buy or rent big house, divide it into apartments and start renting out all the housing separately. The scheme is much more profitable than renting an entire house to one family. Of course, this type of investment requires preparation and careful planning. We advise you to use our free business plan on how to create apartment house and start making money on it.

Download your free business plan

Business on apartment buildings from scratch

Watch a video from a successful investor who has already started making money on the created apartment building:

Option number 6. Investing in a business project

If you have commercial experience and you are not without an entrepreneurial streak, then investing money in a business - yours or someone else's - is one of the best solutions. True, there are pitfalls here, but they can be easily avoided, having the financial reins of government in hand.

But you and only you will determine the directions cash flows that will ensure you get the most out of them. It is not without reason that many financiers believe that investing in their own business is the main condition for its rapid rise and prosperity.

Investing in your business is a profitable and correct investment

Advantages and Disadvantages of Investing in Your Business

Advantages (+):

• the ability to effectively build business processes and their regulation due to the ownership of monetary leverage;
• the ability to easily and quickly find co-investors and thus attract solid capital to the business;
• advantages in obtaining a loan in comparison with other investment ones.

Disadvantages of investing money in your business (-):

• big risks in the conditions of market competition, requiring business insurance;
• low liquidity: many assets, such as equipment, are difficult to sell without significant loss of time and money;
• the possibility of losing a share in the business when attracting co-investors into it.

4. Where not to invest money

You should not tempt fate by entrusting your savings to the authors of dubious projects (casinos, slot machines, all kinds of pyramids) and other adventurers "from the high road." Communicating with them is like robbing yourself.

Special care should be taken towards businessmen in conflict with the Criminal Code: drug dealers, arms and other contraband dealers, brothel organizers, and owners of shell companies.

It's also best not to have anything to do with the real estate scammers. Otherwise, you will be involved in their corruption schemes or become complicit in such morally unacceptable acts as, for example, the eviction of lonely elderly people.

It is unlikely that a normal person needs money at such a price. Moreover, there are many other - honest, socially acceptable, not contradicting human morality - ways to earn money. Do them, you will not only gain financial well-being and independence, but also a reputation as a worthy person.

5. Conclusion

The expression "movement is life" is suitable not only for a living organism, but also for money. If they do not move, do not work - they weaken, shrink and disappear. Losing their activity, they become dead capital, victims of inflation.

In this review, we talked about the main and popular ways to invest your money, and also considered the rules and recommendations of successful investors who have gained financial independence.

In this article, you learned about the most popular methods of investing free money, allowing you to increase your capital; reviewed the basic principles of capital investment; got acquainted with examples from the life of the most successful millionaires on the planet.

Now that you have become a financially literate person, and

Some still don't know where is it profitable to invest money and how to get profit from your investments!

What do you need to know about investing?

Where is the best place to invest your money?

What should you know about where to invest your money profitably?

Investing money is always a risk.

Even the most reliable banks can go bankrupt and getting your funds back can be difficult.

It is not possible to avoid this 100%, but you can choose the most reliable place and make sure that even if the organization collapses, you get back what you put in.

What a person who invests money for the first time needs to consider:

You shouldn't put all your savings in one place.

The attachment must be documented without fail.

This is a mandatory measure that will allow you to get your money back in unforeseen circumstances.

Pay attention to deadlines.

If you wish to receive your funds earlier than the term specified in the agreement, you can lose the accumulated interest.

Consult with friends and family, find out where is it profitable to invest money.

10 ideas for where to invest your money

When investing, you should consider several options and choose the best one, which is right for you.

The best ideas for where to invest your money:

Suitable as an additional way to save and increase funds.

Few know what mutual investment funds are and are afraid to invest their funds in them, but in vain.

Income from mutual funds is average, but stable.

For a year or two, you can get about 40% of the initial amount.

Real estate.

Investing in real estate is the best option.

The price of real estate can rise and fall, but they always rise in the end, and the sale of an apartment at such a moment brings a lot of profit.

You can also rent an office or.

Own business is a great way to invest, save and increase money.

In order not to lose money, it is necessary to draw up a clear, as detailed plan as possible, to weigh all the pros and cons, to choose the business that you like.

Shares and securities.


Over a long period of time - about 5 years, the invested money grows many times, however, in order not to lose money, you need to have some experience in trading securities, and have at least minimal financial knowledge.

In order not to burn out, you should choose a manager who will do everything necessary.

Metals: gold, silver.

To purchase bars and coins, you need to contact Sberbank of Russia.

It is also possible to purchase gold-backed securities by visiting stock exchanges.

Investments are highly effective, however, it should be borne in mind that when selling gold bars subsequently, you will have to pay a tax of 13%.

Own site.

Investments in website development are not too high and fully justify themselves.

One well-promoted site can bring in up to 40,000 rubles every month, depending on the amount of advertisements being placed.

Venture fund.

Venture funds are now considered a worthy alternative to other financial instruments.

The investment pays off, but you need to wait a few years to make a profit.

Own development.

A person who wants to increase his capital and earn big money should never forget about his own development.

Investments in this case are made in education, appearance, knowledge of the world - travel, seminars and trainings.

A multilaterally educated person will always find his place in the world.

Art.

Buying and selling art objects: paintings, first editions of books, antiques, you can make a lot of money.

But for this you need to understand the value of things, be able to separate the wheat from the chaff, or resort to the services of a specialist.

Deciding whether where is the best investment, you need to calculate all the options for the possible development of events.

In order not to lose all your investments at once, in case of negative developments, it is recommended to invest in several different directions.

The question of where to invest money most profitably worries, as a rule, those who are not familiar with, or are not familiar with the principles of increasing profits and methods of investing funds.

Tips for those wishing to invest their money:

1. Thinking about preserving and increasing funds is necessary in those periods when everything is in order with finances, and the payment of a large debt does not hang on the nose. Panic sometimes makes you take the wrong action.
2. Within six months, you should accumulate an amount that will be deposited in the bank at interest. The larger the amount, the more you will eventually be able to withdraw from the account.
3. Always strive for financial freedom. Do not reassure yourself that everything is fine today and nothing else is needed.
4. If you have children, think about their future right now. You can open a savings account in the name of the child, and put money on it until the age of majority.
5. Every three to four months create new source additional income.
6. The most effective ways of investing remain the same from year to year: real estate, investments in precious metals, and the stock markets.
7. Gold is most liquid in bullion rather than in numbers in a brokerage account. It is best to invest in gold indices in the stock markets.
8. You should only use the stock market as a means of investing and multiplying capital if you are confident in your financial knowledge and abilities.
9. It is best to think about securing your future at the age of 20-30. However, due to inexperience, you should resort to the help of specialists so as not to lose your investment.

Investments without losses: where is the best investment?

By observing the basic rules drawn up by investment specialists, you can achieve a multiple increase in capital and reduce risk.

The main investment rules:

Reinvestment.

The funds received by investing should not be spent immediately.

They need to be invested in other projects, leaving a certain percentage of the profit for the necessary expenses.

Don't invest your last money.

If you invest everything that is in the wallet, you can be left without a livelihood at all.

The main rule successful investments- to act wisely, and investing all the last means is a crazy act.

Carefulness when making deals.

Read all documents, ask for a contract and consult with specialists.

Investing money "in different baskets".

One project will bring money earlier, another much later.

To always make a profit, you need to calculate the funds and distribute them in different baskets - deep and lower.

Where is the best place to invest small amounts of money during a crisis,

you will learn from the video:

Where is it profitable to invest money - features of investing in real estate

Real estate transactions are the most popular today than investments in mutual funds and funds.

Many people buy housing at the stage of its development at the lowest price, and then resell it, receiving a good percentage.

However, in this case, there are several pitfalls and the risk of running into an unscrupulous developer.

To get the most out of your real estate investment, you should purchase one and two-room apartments, but not three-room, as they are worse bought.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are better left for local residents.

Selling an apartment in the capital will be very difficult.

To quickly find a buyer, you should make cosmetic repairs in a new building.

There are many answers to the question, where to invest money is most profitable, but everyone chooses the correct answer for himself, in accordance with the possibilities.

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