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Income income. Additional multiple sources of income - what types are there, where to look and how to create

Constantly and most importantly guaranteed, getting a certain income every month is the dream of any investor. Money works without your participation or any effort and brings in even more money. How can this be achieved? The answer is you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of funds invested. And let's say, for novice investors, the profit received from their investments will be relatively small. But you need to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and permanent. According to law - over time, even the most modest capital can turn into a rather impressive amount, the profit from which will give you a significant financial flow in the form of monthly income from the allocated funds.

Where can you invest your money to get a constant monthly income?

We buy with different coupon payment dates. It is on these dates that you will receive profits. You can build a portfolio of bonds in such a way that monthly profits are credited to your account. Typically, coupons are 91 or 182 days long. Every 3 months or six months, the profit from the purchased bond will go to your account.

Dignity. More high profitability... Clearly predicted and fixed income. High (you can instantly sell bonds without losing the accrued profit).

Disadvantages. The likelihood of bankruptcy of the issuer of the bond. For blue chips, this probability is low. For OFZ (federal loan bonds) and municipal bonds - it is practically zero. Usually (although very rarely) so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and you will be fine.

4. Dividend shares ... You buy that pay dividends consistently. And not just dividends, but. On average Russian market this amount is 3-6% of the value of the shares. There are companies (but there are few of them) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.

Of course, the profitability is still small, but if we consider that you are buying a piece of a working (and, moreover, successfully) business, then with the further development of the company, the profit will also grow.

For example. Share price on stock market very volatile. They can "walk" in the range of 20-30% throughout the year, both up and down. At the beginning of the year, the shares of SurgutNeftegazP cost almost 50 rubles per share, then the price fell almost 2 times within six months, to 28 rubles. Considering that the average yield is 10% per share (at a price of 45 rubles) or 4.5 rubles, buying at the “bottom” at 28 you would provide yourself with a profitability in the future of 17% per annum. And if the company's profit continues to grow, then the annual profitability will easily exceed 20%.

Dignity. Having bought a "piece of business" in the form dividend shares, you will be entitled to count on a share of the company's profits. You can find, thereby getting even more annual yield. With the development of the company, profit will increase, which means that dividends will also grow.

Disadvantages. Uneven dividend payments. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Purchased shares can drop significantly in value. But if you are aiming (for several years), then this will give you the opportunity to purchase an additional block of shares at bargain prices.

Finally

Receive passive income every month you can (and even need to). There is nothing complicated about it. The listed methods are available to everyone. And don't forget. Divide your funds into several parts, and use them to make a profit in every way. So, of course, the total profit will decrease, but you will greatly reduce the risks when investing.

Hello, dear readers of the "site"! In this article, you will find out where it is profitable to invest money so that you can get a monthly income, what methods of investing money are possible at a high interest rate with a guarantee, and how best to invest so that they work and bring profit to the investor.

This article was written based on the analysis of the experience of well-known investors, financial consultants, as well as the realities of the modern economy. Plus, the basic principles of investing, possible risks, advantages and disadvantages of each investment strategy are given.

About where you can profitably invest your money in order to receive a monthly income and what options for investing money at a high interest rate with a guarantee exist - read the website in the magazine

In this section, we will talk about what is worth and what should not be done for young investors taking their first steps in investment activities... Consider the rules of effective investing, which will allow you to get higher returns than in a bank, but at the same time with almost the same reliability. Why almost? Because the main rule of the investor is :

The risks that the investor is willing to take on are proportional to the potential profit.

You probably can't wait to get started? Do you want us to reveal the secrets of where it is profitable to invest money in 2019 year at interest to earn even more as soon as possible?

We will disappoint you a little. The first thing to start with for a young, not yet fledged investor – from investing in yourself, in your knowledge and skills . Trust me, the ROI on this investment will surprise you!

And only then, when you already understand how a stock differs from a bond, what is the capitalization of a deposit, who are brokers and traders, you can proceed to practice.

2. 5 golden rules for investing money

Rule 1. Create an airbag

You should not start risky or not very financial transactions without a reserve for rainy day.

  • How much should you keep in stock? According to experts, this should be the amount that will cover your expenses for six months;
  • ? Defer from wages or other sources of income;
  • How to calculate the size of the financial reserve? Calculate your monthly expenses. For example, you got 40 000 rubles. Multiply by 6 months, we get 240 000 rubles.

This is the reserve that you will not spend when investing. In order to make your first investment, you will need to save a little more.

So this will be forever! - you say. It is possible and faster if you have in addition to the salary passive income , that is, the monetary resources that you receive without making much effort ( renting out real estate, interest on a bank deposit etc.).

Thus, if you put a financial reserve on a deposit in a bank, then you will kill two birds with one stone. You will form a reserve and begin to receive passive income.

Rule 2. Don't put all your eggs in one basket

Please note that you can trade directly in currencies, stocks and cryptocurrencies on the exchange. The main thing is to choose a reliable broker. One of the best is this brokerage company .

To avoid the need to use the financial reserve, you need to correctly distribute your funds in investments. You should not immediately invest all your free money in instruments that promise high returns. The risks that you will lose every penny are too great.

After all, you will not put a hundred fragile eggs in one basket? The likelihood that you will drop it 50 /50 ... And the risk that all eggs will break after falling is already much greater. This can happen with your funds if you decide to invest them all at once. only into one project.

Also, if you distribute your money to different banks, the same thing can happen. Better diversify investments, i.e. invest in different areas. Not only in banking, but also in oil, gas, information, production, etc. In the language of professionals, this is called an investment portfolio.

Investment portfolio- these are several investment instruments, combined together, differing in the degree of risk and profitability.

Depending on the chosen investment strategy, there are 3 types of investment portfolios:

  • Aggressive the portfolio consists mainly of high-risk assets;
  • Passive the portfolio is formed mainly from bank deposits;
  • Moderate a portfolio includes both.

Rule 3. Assess the risks in advance

Before calculating the potential profit and thinking about where you will spend it, assess your possible risks and losses.
Don't build an aggressive portfolio right away. You risk losing everything!

Start small. From the amount that you are internally ready to lose (there is always a risk). And gradually build up momentum.

Take note! Under no circumstances use money received on a loan from a bank or borrowed from friends or relatives for investments. You run the risk of colliding with collectors and losing the trust and respect of your loved ones.

Rule 4. Choose collective investment

You don't have to invest alone. As your experience grows, you can invest in large projects by attracting co-investors. This will allow you to spread the risks to everyone. And the profit, respectively, too.

For example, if you have in mind some attractive investment project, but you do not have enough funds for it, you can invite someone else to participate in it. There will definitely be someone who is ready to cooperate with you. on mutually beneficial terms.

If you are not ready to independently manage your investment instruments, you can use trustee services ... This is a company that will manage your funds in accordance with your chosen investment strategy. She can use these funds to make a profit, but she cannot dispose of them on the basis of ownership. The trustee receives a certain remuneration for his work.

When transferring funds into trust arrived and damages distributed among investors in proportion to their contributions .

Rule 5. Generate passive income

Investing and growing your capital is great. But do not forget that investments are always risky. Today you have income, and tomorrow you can lose it along with the invested capital. Alas, these are the realities of the modern economy.


 10 profitable ways to invest money to keep it working and generate monthly income

4. Where can you invest money to make it work and generate income - TOP-10 profitable ways of investing

Today you can find a lot of financial fraudsters promising easy money, high profitability in a short time. They have nothing to do with real investments.

Therefore, we will consider time-tested investment tools that allow you to get a return on investment, taking into account reasonable risks. So, where is it better to invest in order to receive monthly income?

Method 1. Bank deposit

Bank deposits are among the most common investment instruments. True, the profitability of such an instrument rarely covers annual inflation in the country... Therefore, a bank deposit can be attributed rather to ways of saving rather than increasing your capital.


 Bank deposit is the most popular and easiest way to invest money at interest

Low ↓ deposit profitability Is an honest payment for your peace of mind, because banking the risks are also small ↓.

And if the amount of your deposit does not exceed 1 400 000 rubles, you don't have to worry about anything at all. In accordance with current legislation, in the event of bankruptcy of a bank, the state will return all your money to you.

At the moment, the profitability of bank deposits is fluctuating within 7 -10% , which is a couple of percent below inflation.

The most popular bank among the population is Sberbank , despite the fact that the interest on deposits in it is below the market average. The reliability of the bank, and not the potential profit on the deposit, is of decisive importance for many.

Pros (+) bank deposits are as follows:

  • low risks, deposit insurance;
  • the ability to return money at any time (sometimes even without losing interest);
  • availability (you can start with a small amount, for example in 1 000 rubles).

The disadvantages (-) include:

  • deposit income at best covers inflation;
  • in most banks, in case of early closure of the deposit, interest is lost.

Method 2. Securities

Securities, unlike bank deposits, usually bring higher profitability ... You can try investing in stocks or others financial instruments on the market valuable papers, provided that we are ready to take on ourselves higher risks ... That's right, there is a detailed article on the site.


 Investing in securities (stocks, bonds)

There are different types of securities. Let's consider the most popular ones: stocks and bonds.

Stock Is a security that confirms your stake in the company and gives you the right to vote.

Promotions are ordinary and privileged ... The latter have higher percentages, but there is no way to vote at the general meeting of shareholders. We wrote in more detail about what types of shares are in one of our articles.

Bond Is a security that confirms that you have borrowed a certain amount of money from the company that issued it.

Unlike the stock, it has a certain period an action after which it is subject to redemption. You can own shares for a lifetime and receive dividends.

Dividend- This is the income on a share, paid as a percentage of the par value of the security.

In addition, inflation eats up a certain amount of money every year. Therefore, investing in foreign currency for several years is not very effective. .


You can buy and sell currency on a special market called (from English Foreign Exchange – foreign currency exchange). In Forex, you can buy and sell almost any freely exchangeable currency. You can buy Chinese yuan for Japanese yens, Canadian dollars for euros, etc.

Forex works traders who buy and sell currencies throughout the day. Anyone (with the help of a broker) can buy and sell any currency in Forex. We recommend working only with trusted brokerage companies. Many successful traders trade through this broker.

Many companies offer training in the skill of working on foreign exchange market... They attract potential investors with high returns. You should be vigilant and remember the main rule of investing: high incomes are associated with great risks!

Yes, in Forex you can increase your capital in a few months. But the risks of losing everything are very high. According to statistics 80 % of newbies lose their investment in the first month of Forex trading. Therefore, before deciding, carefully weigh everything!

Pros (+) of working in the foreign exchange market:

  • minimum initial capital requirements ( from 100 dollars );
  • profitability is higher than the market average;
  • a variety of investment instruments (foreign currencies).

Cons (-) Forex:

  • you need to have special skills and knowledge for investing;
  • substantially high risks.

If you want to learn more about how to lead, read our article.

Method 4. Real estate

This is the second most popular strategy after bank deposit and a good option for those who are thinking where to invest money in 2019 year to earn. Investments in real estate no less reliable than investing in a bank... The difference is that a much larger size is required. initial capital.


 Investments in real estate

Thanks to mortgage programs banks, you do not need to save up the entire amount for the purchase of the property of interest. Usually , enough 20 -30 % from the original cost. However, buying an apartment or house on a mortgage and repaying it within 20 -30 years at the expense of salaries is not the best option for an investor.

You need to make sure that this real estate brought you passive income and covered your mortgage payments.

To do this, you can use the following measures:

  • lease;
  • if you bought a new building at the construction stage, sell it when the apartment is ready, at a higher price;
  • make several studios out of a two- or three-room apartment and rent them out as independent apartments.

This investment strategy requires more time and knowledge, but its profitability is also different.

Pros (+) of investing in real estate:

  • the ability to receive passive income through rental payments;
  • the opportunity to make money on the resale of an apartment at a higher price;
  • preservation and passive capital increase (real estate, unlike other investment objects, in the long term grows in value).

By cons (-) this method relate:

  • high requirements for start-up capital ( from 300 -500 000 rubles);
  • it is difficult to sell quickly if you need to return the money;
  • physically obsolete ( wear, flooding, fires).

Method 5. Own business

This strategy is suitable for those who are not afraid to take risks, are ready to make decisions and be responsible for them.


 Creating your own business

When deciding to open your own business, you must:

  • correctly assess all the risks at the initial stage;
  • calculate financial indicators ( payback periods, required investment, sales plans, production costs or ulugi).

If you have an entrepreneurial streak and a certain commercial background, then you can easily handle this.

Pros (+) of starting your own business:

  • you are your own boss (you independently determine what and how to do);
  • opportunity to attract co-investors ( crowdfunding campaigns, venture funds, other businessmen);
  • it is not necessary to have the entire amount available to start a business (you can use bank loans).

The disadvantages of (-) investing in your own business are:

  • high risks of losing everything;
  • it is difficult to quickly return the invested funds;
  • in case of attracting co-investors, you can lose control of the company.

Method 6. Precious metals

Investing in precious metals is considered by many to be the most conservative option. Acquiring gold has been making serious profits for a huge number of years.


It is worth considering! Precious metals are not subject to physical damage, while their reserves are limited. That is why the value of gold, silver, platinum and palladium is constantly increasing.

There are several options for investing in precious metals:

  1. Purchase of ingots. In this case, the investor should remember that such transactions are taxed taxed whose size is 18 % ... Moreover, upon purchase, the ingots must be given certificate... Such investment should be carried out for the long term. It is important to provide a profit in excess of the amount of tax paid;
  2. Purchase of coins made of precious metals. Coins are not taxed. Moreover, some of them also have collectible value. But it should be understood that you can get serious profit from coins only a few years after their purchase;
  3. Opening metal accounts. A deposit in precious metals is suitable for those investors who want to invest for a short time. Since in this case there is no need to buy precious metals, there is no taxation. This option is one of the simplest and safest.... The investor contacts the bank, which recalculates the deposited amount in grams precious metal... After a certain period of time, the depositor closes the deposit, receiving present value metals placed on it;
  4. Purchase of securities of gold mining companies. To do this, you will have to become a member. The value of securities does not always increase rapidly. Therefore, they should be purchased for the long term.

Method 7. Antiques and works of art

Antiques, works of art, and collectibles are often referred to as the currency of the rich. If there is a large enough amount for investment, experts recommend paying attention to investing in such property.


Choosing this way, important to remember, what such investments are made only for the long term. In this case, it is better not to count on serious profits even after a year.

However, after several years, a serious jump in the value of the acquired property may occur. So, some paintings by famous artists at the time of their writing cost literally several hundred dollars, after ten years - tens of thousands, and after fifty - millions.

For investment purposes, you can purchase the following antiques:

  • antique furniture;
  • books;
  • icons;
  • ancient coins;
  • porcelain;
  • dishes.

It is important to understand that the named items must be exactly old... In art history, these are things made more than 50 years ago ... Some of these items may be of historical value and are protected by the state.

Investing in antiques requires a lot of money. Even 500 000 rubles for this type of investment is considered a small amount. However, you can start small. So, for example, Tretyakov managed to collect his collection, starting with just a few paintings.

It should be understood what to buy really valuable things you yourself need to be an art critic, or to have such a friend. Without appropriate education, it is almost impossible to understand which items are of real value.

Of course, you can use the services of a consultant. However, this requires additional financial investments. Do not forget that any art critic can only assess the current value of an item, and not its potential profitability. You should contact specialists who understand not only art, but also investing.

Method 8. Franchising

Those who have capital in the amount of half a million rubles or more can create their own business by purchasing franchise ... In this case, the activities are carried out according to the scheme worked out by the seller. We wrote in detail about that in a separate article.


 Starting a franchise business

It is important to understand that franchising cannot become passive income. The amount of profit depends primarily on the activity of the businessman.

However, a franchise saves you time, money and effort. This is achieved due to the fact that the marketing schemes, all processes in such a business have been worked out.

Among the advantages of a franchise are the following:

  • enough short term payback - usually from six months to a year;
  • brand awareness ensures a customer base no additional advertising, franchised goods and services already have their customers;
  • the franchisor constantly supports the businessman;
  • the level of competition is minimal, since the franchise provides for a specific number of projects in a specific territory.

However, the franchise business also has serious limitations ... The main one is that by purchasing a franchise, the businessman is limited in his actions. He is tied to the developed system and has no right to change the algorithm of actions without coordinating them with the franchisor.

Method 9. Binary options

Experts say that binary options are the fastest way to generate investment income. The basis of this option is the ability to take risks, as well as analyze the economic situation in detail.


The task of the investor who chooses binary options is to correctly predict the value of the asset in use over a certain period of time.

After a specified period, the result is assessed.

  • If the assumption turns out to be correct, the investor will receive profit ... It can be about 80 % rate;
  • However, the forecast may not be confirmed. and the price will go in the opposite direction. In this case, the account will be fixed lesion up to 100 % rate.

At first glance, many people think that making money on binary options is the same as playing roulette. However, it is not. A more thorough study of the work on binary options allows you to increase the accuracy of predictions, which means, to increase the resulting profit.

There are a number of advantages of the considered investment method:

  1. A large number of trading instruments for selection. Even a novice investor will be able to work with both currency pairs and with stocks, oil and precious metals;
  2. The size of the profit, as well as the level of possible loss, are predetermined. Moreover, some trading platforms allow you to independently determine the ratio of profit and loss;
  3. The trading platform can be accessed at any time from any device. There is no need to install additional software for this. To start the analysis, it is enough go to the broker's website;
  4. Trade binary options carried out around the clock, seven days a week. Therefore, the investor can earn at any free time;
  5. The trading interface is intuitive even for novice investors. In this case, only the final result of the asset value is reflected, intermediate prices are not shown to the user.

There are 2 options for making money on options:

  • Call up represents buy deal ... It should be used if prices are expected to rise. If the value of assets decreases, a loss will be incurred.
  • Put down - this is sale deal , the profit will be received in the event of a decrease in the value of the asset.

Despite the large number of advantages, trading binary options also has disadvantages:

  1. A single wrong transaction can result in losses of about 90 % invested funds. To get them back, you need at least three profitable trades;
  2. When trading binary options, it is impossible to abandon the deal or close it before its completion. Even in cases where the investor realizes that he was mistaken, he has no choice but to wait for the option to expire;
  3. In contrast to forex, there are no credit obligations. It turns out that the investor has the opportunity to trade only with the funds that are available to him.

Binary options allow you not only to save your own funds from the harmful effects of inflation and devaluation, but also to increase them. To do this, it is important to carefully study the market, as well as make the right choice in favor of one of the brokers.

Method 10. Internet projects

Development modern technologies led to the fact that the popularity of investments via the Internet has increased significantly.


There are several areas for investments that are suitable for both a novice investor and an experienced one:

  1. Investments in startups, which are special Internet resources created for the purpose of development or their subsequent sale. The owner of the funds must understand all the details of the project and carefully monitor the implementation of the work. The amount of funds that the investor will receive is determined primarily by the degree of development of the resource, as well as its attractiveness for future buyers.
  2. Investing in the creation of your own website. A successful Internet resource can become the backbone of a business and generate regular income. This approach allows you to start your own business even with a small amount of money. At the same time, there are no expenses for renting commercial real estate, wages staff. It is possible to offer a product or service to a wide audience. Investments in such a business are less risky, but the amount of profit in any case is determined by the efforts of the entrepreneur.
  3. Investing in online projects that seem to be the most profitable for the investor. You can choose effective Internet projects on specialized online resources. At the same time, the investor acquires part of the business. Subsequently, he is entitled to a percentage of the profits or to resell the share. The relationship between the project owner and the investor is governed by a special type of agreement. However, it is worth considering, what to predict efficiency in advance almost impossible... There are serious risks of such investments associated with the unpredictability of market behavior.

When choosing an investment method, it is important to conduct a quality analysis. This is the only way to understand what the potential profit and risks of the project are.


 The surest way to invest money at a high interest rate with a guarantee is a bank. And in which bank it is better to invest capital at interest with a monthly income - see below in our review

5. Where is it better to invest money at a high interest rate with a risk-free guarantee - an overview of the TOP-5 banks

You can get an income guarantee, as well as ensure the safety of funds, by investing them in a bank.

Important! At the same time, it is worth choosing such credit organizations that participate in the deposit insurance system and have a high-quality reputation.

In addition, you should study and compare the conditions for deposits in different banks.

In which bank is it better to invest money at interest in 2019?

So let's consider, in which bank it is profitable to invest money at a high interest rate with a guarantee (with a monthly income). In order not to waste time analyzing a large number of banks, you can use the ratings of specialists. Example list of the best banks for investing presented below.

1) Tinkoff Bank

Tinkoff - unique Russian bank... It does not have a single branch throughout the country. Customer service is carried out completely remotely.

Here you can open a deposit at a rate up to 7% per annum ... The accrual is carried out monthly. In this case, the amount of the deposit must be not less 50 000 rubles.

The depositor has the right to choose the method of interest payment:

  • capitalization;
  • transfer to a separate card account.

The agreement provides for the possibility of replenishment, as well as partial withdrawal of funds.

2) Sovcombank

Sovcombank has extensive experience in Russian financial market- it was founded in 1990 year. Today it is one of the twenty largest banks in our country.

The credit institution offers customers to open a deposit at interest up to 7.6% per annum . Minimum amount at the same time is 30 000 rubles.

Interest is paid at the end of the contract term. Besides, early termination interest per 3 months, six months and the full number of years persist. The deposit can be replenished, but partial withdrawal is not provided.

3) UniCredit Bank

UniCredit Bank is a lending institution based in Europe. This bank came to Russia more than a quarter of a century ago... Today it is the largest credit institution with foreign capital in our country.

Deposit rates depend on the term, the method of calculating interest, and the amount. Opening a deposit in rubles , you can get it before 8,35 % per annum, in dollars – before 3,23 % , In Euro – before 0,20 % .

In this case, there are 2 options for calculating interest:

  1. with a monthly payment;
  2. with capitalization.

For the convenience of choosing a deposit, you can use the calculator posted on the bank's website.

4) Ural Bank for Reconstruction and Development

UBRD is one of the leaders banking Russia. The credit institution has a wide branch network, which includes more 1 500 branches throughout the country.

Here you can invest at a rate up to 11% per annum ... Interest is calculated every 50 days. In this case, income can be capitalized or received.

For those who open a deposit in online mode , UBRD increases its stake on 1 %. Moreover, the bank connects depositors to the Internet banking system free of charge.

5) Absolut Bank

Absolut Bank operates in the Russian financial market since 1993 of the year. During this time credit organisation has won recognition not only of clients, but also of world rating agencies.

Clients can receive income on funds invested in this bank in the amount of up to 8.5% per annum ... In this case, the amount of the contribution must be not less 30 000 rubles... Interest on this offer is paid only at the end of the contract... Replenishment, as well as partial withdrawal are not provided.

For ease of comparison, the main conditions of the above deposits are shown in the table.

The table "Banks with the best conditions for deposits, the main parameters of deposits":

Credit organisation Deposit rate Basic conditions
1. Tinkoff Bank Before 7 % per annum The depositor chooses to capitalize interest or receive monthly credit

You can replenish and partially withdraw the deposit amount
2. Sovcombank Before 7,6 % per annum Payment of interest at the end of the term

Replenishment possibility, partial withdrawal is not provided
3. UniCredit Bank Before 8,35 % per annum Accrual of interest on a monthly basis - at the depositor's choice by capitalization or payment
4. Ural Bank for Reconstruction and Development Before 11 % per annum Capitalization or interest payments

When ordering online, the rate increases by 1 %
5. Absolut Bank Before 8,5 % per annum Interest is paid at the end of the contract

Replenishment and partial withdrawal are not provided.

4 actual investment options Money today at high interest rates

6. Where is it profitable to invest money in 2019 at interest - 4 best ways today

Deposits bring low income. There are investment methods that allow you to get much great profit.

Choosing the best option, don't forget what with an increase in income, the risk of loss of invested funds also increases.

Below we will consider in more detail main ways of investing funds for the purpose of generating income.

Method 1. Promising startups

Investing in startups attracts investors by the potential income in this method is not limited by anything... There are a huge number of projects on the Internet that you can invest in. To find them, you can use specialized sites.

When choosing, it is important to conduct a thorough analysis and comparison of a large number of projects. It should be remembered that some of them have been profitable for several years. Other projects turn out to be unpromising and only entail losses.

Method 2. Private lending (P2P lending)

Private lending has recently become more widespread and developed. This option involves the issuance of a loan by one natural person to another... Using this method, it is important not only to draw up a contract as competently as possible, but also to conduct a thorough analysis of a potential borrower.

Explicit advantage private lending advocates high level of profitability ... By lending money, even for a short period, you can ensure profitability before 50 % per annum.

However, there is also a significant flaw – high profits come with serious risks. There is a possibility that the loaned funds will not be returned. It is impossible to guarantee the honesty of the borrower even in the case of a careful study of its characteristics.

Method 3. PAMM accounts

By investing in PAMM accounts, the owner of the funds transfers them to trust management professionals. Receiving money, the manager includes it in the turnover and does everything to get the maximum profit.

The investor can only wait while specialists distribute his funds between exchange and other promising assets in order to generate income.

Thus, PAMM accounts are one of the types of passive earnings. At the same time, the risks of such investments are relatively low.

To independently profit from trading on the exchange, you need not only money, but also specialized knowledge. At the same time, in order to invest in PAMM accounts, it is enough to find a company that provides sufficient profitability and transfer funds to it for management.

The profitability of such investments is determined primarily by the correct choice of the manager. This process requires a significant amount of time, as well as additional knowledge.

Method 4. mutual funds (mutual funds)

Mutual funds are essentially collective investment management funds... The property of such a fund is divided into parts, which are called share ... We wrote in more detail about (mutual funds) and how they work in the last article.

High liquidity of investments in mutual funds is achieved due to the fact that the shares are traded on the market. At the same time, the activities of the funds are regulated by law.... The relationship between shareholders and mutual funds is determined by the relevant documents.

An investor buys shares when he expects their value to rise. Once the price reaches the expected value, the profit can be fixed by selling it.

When choosing a mutual fund for investment, it is important to consider its type. It is possible to sell a share at any time only if open fund... From interval mutual fund you can exit only at pre-agreed intervals, and from closed- at the end of his work.

It is impossible to determine in advance what profitability the fund will show based on the results of its work. Profit can reach 50 % per annum, which exceeds the deposit rate by about 6 once. However, on average in the market, this indicator is equal to about 20 % .

It happens that funds show losses as well. But do not be afraid that managers will always give negative returns. The size of their commission depends on the amount of profitability ... Therefore, they work hard to maximize their returns.

Among the advantages of shares investment funds the following can be distinguished:

  • availability. This type of investment is available to everyone, since it is enough to start investing 1 000 rubles;
  • high level of liquidity;
  • the activities of mutual funds are legally regulated and is under the control of the state;
  • professional money management.

However, mutual funds also have limitations ... The most important of them is no guaranteed profit .

Keep in mind that some managers receive income even in cases where their work does not bring profit... That is why some funds in the course of their work show zero profitability, and sometimes even loss.

There are a huge number of types of mutual funds. However, regardless of the choice of the type of mutual fund, experts recommend investing in them only if long-term investments are planned.

It is important to carefully read the advantages and disadvantages of various types of investments in order to find the best option for yourself.

7. Where not to invest your money - unsuccessful investment strategies

Many people want to make quick money without realizing that too high income is associated with high risks.

Financial Pyramide Is a deliberately unprofitable organization that pays income to investors by attracting funds from new investors.

Financial pyramids were very popular in 90 years in our country. I think everyone has heard about Sergey Mavrodi and his MMM .

But do not think that all these fraudulent organizations have sunk into oblivion. Every year, thousands of gullible investors suffer from the actions, or rather, the collapse of such pyramids. How can you avoid falling into a financial pyramid?

Let's highlight the main signs of a fraudulent scheme:

  • Too high yield ( 30 % and higher);
  • Aggressive advertising;
  • Lack of real activity (does not produce or sell anything);
  • The registered office of the company is located outside the country (offshore). we wrote in a separate article.

8. Answers to frequently asked questions

The topic of investing in order to generate income is quite extensive. In the process of studying it, a huge number of questions arise. Today we will answer the most popular ones.

Question 1. Is it realistic to invest money at 50 percent for 24 hours?

Today on the Internet you can find a huge number of proposals for investing money per day. However, not everyone knows how real it is.

You can make money in such a short period of time investment programs of microloan services... This option allows you to invest just for a day, counting on profitability minimum 8%.

Services that issue microloans allow you to replenish your account in a short period of time and start earning, minimizing the risks of losing funds.

The main advantages of the option under consideration are:

  • high profitability;
  • the opportunity to participate in the investment program with minimal investment;
  • comfort of performing operations;
  • ease of withdrawal of funds.

In addition, before investing money in a microfinance company, you should carefully study its reputation.

Question 2. Where to invest money (rubles) so as not to lose it?


 We answer the popular question, where to invest money (in rubles or another currency) so as not to lose it

Keeping funds in rubles is not reliable. This is especially evident in economic instability. The presence in our country of a sufficiently high level of inflation, as well as devaluation, leads to the fact that simple storage of money in rubles becomes quite unprofitable.

For those who have financial savings, experts recommend investing them. This method of managing funds is more progressive and profitable.

You don't have to be a financial analyst to understand the effects of inflation and devaluation. It is sufficient to compare prices for certain goods and services over an extended period of time.

There are several reasons for the decline in the value of the ruble:

  1. decrease ↓ prices for raw materials negatively affects the purchasing power of the Russian currency, as it is clearly linked to oil prices;
  2. foreign sanctions significantly aggravate the position of the ruble relative to other currencies.

The described situations lead to the fact that simple storage of rubles will lead to the loss of part of the funds. This is especially true for a fairly large sum of money. In fact, the nominal amount of capital does not change, however decreasing ↓ purchasing power of assets.

Correct investment will help the investor:

  • eliminate any impairment of the amount available;
  • with a successful coincidence of circumstances, increase capital at all;
  • partially insure against serious economic shocks that are possible in the future.

The profitability of an investment depends on a huge number of factors. First of all, this concerns the size of the amount available. However, regardless of the amount of capital, investment is a better solution than conventional storage .

Investing always carries the risk of losing funds. However, if the investment is successful, you can provide stable passive income, as well as financial security.

Novice investors often face a number of mistakes that can increase their riskiness:

  • making decisions about investing on emotions;
  • lack of thorough analysis;
  • low level of financial knowledge, as well as unwillingness to learn.

Question 3. Where can you invest 100 thousand rubles so that they generate income?

Some believe that for successful investment it is necessary to have several million. However, this is fundamentally wrong. Quite successful investments can be made even if there are several thousand, therefore 100 000 rubles are an excellent amount to start investing.

If you manage to place your capital in at least 3 investment areas, you can count on serious insurance against various force majeure circumstances.

V modern economy it is better to use the following investment methods, which are quite reliable and promising:

  • investing in online projects such as websites, blogs, online stores;
  • bank deposits;
  • investment in innovation, as well as promising startups;
  • investment in art;
  • purchase of precious metals;
  • investments in securities;
  • acquisition.

Correct nesting allows, having 100 000 rubles, provide additional income.

Question 4. Where and how to profitably invest money on the Internet in order to get a quick profit?


 There are many ways on the Internet where you can profitably invest your money so that it makes a profit. Below are the most profitable of them. But remember: the higher the yield, the higher the risk

Finding the right way to invest online often takes a lot of time and effort. Below are promising and profitable options where you can invest on the Internet to make them profitable:

  1. Stocks (stock market);
  2. Forex;
  3. PAMM accounts;
  4. Binary options;
  5. HYIP projects (very risky investments).

Before choosing one or another method of investing in the network, it is important to calculate the risks and possible returns in advance.

9. Conclusion + video on this topic

In this article, we described in detail where to invest money in order to receive a monthly income and examined popular ways of investing money at a high interest rate with a guarantee.

We hope that this information will be useful to you, and you will soon noticeably improve your financial condition.

And also a video:

On the pages of the site you will find a lot of useful information for yourself.

Since the publication of the works Tim Ferriss and Roberta Kiyosaki such a thing as " passive income"Has turned into a kind of mystical thing that makes it possible to start a rich and free life for everyone who can get it.

Not surprisingly, many are tempted to get their hands on this Holy Grail. But before you start acting, it is better to take a closer look at what passive income is and how it works.

What is passive income and earnings

In simple terms, passive income is creating something ( material or intellectual value), which will allow you to receive money for an indefinite period without further human participation.

How to create passive income?

The simplest examples of passive income are book authors... They can spend months writing a novel, and then spend decades getting paid for every copy of the book they sell. They create value that then works for them.

However, this was too narrow a definition.

According to a reputable publication Investopedia passive income is "earnings that a person earns from rental property, a limited liability partnership, or other business in which he is not actively involved."

True passive income is income that does not depend on the mandatory performance of any regular activities and comes in even if its owner does nothing at all.

Popular culture in Russia defines passive income in rubles as “ any money you can make lying on the beach and sipping a cold mojito», but this is a delusion.

For example, a well-known financial coach and expert in the USA Todd Tresidder notes that today, passive income can be considered any income that requires minimal effort after the initial investment of time or money, and works in accordance with with Pareto's Law - « 20% of the effort gives 80% of the result».

Before thinking about how to create passive income, you need to understand about active income.

What is active income?

Active income is the reward a person receives for the work they do. Regardless of the profession, if a person spends his time and energy in exchange for money, this is an active income. Earning options may be different ( lawyer, doctor, bartender, loader, copywriter, print or online correspondent) but the principle remains unchanged.

  • The principle of active income: work - eat.
  • The principle of passive income: work - eat today, tomorrow, the day after tomorrow ...

The main point of creating passive income is to make a solid investment or work at a certain moment, and then, without making much effort in the long term, reap the benefits of your labor. Since there are a lot of different options for passive income, it is worth talking about each of them separately, highlighting a few of the most common and accessible to everyone.

Types and sources of passive income

Today there are a variety of ideas, examples and options for sources of passive income. However, it is immediately important to realize the fact that it will not be so easy to do this. Otherwise, most of the hired workers, forced to work hard "from bell to bell," would have gone on free bread long ago. For those who are still determined, it makes sense to pay attention to such sources of passive income as:

  • bank deposits;
  • valuable property and real estate;
  • securities;
  • participation in mutual funds;
  • creation of intellectual property;
  • creation and optimization of your own business.

For each of these areas and ideas, there are ways of passive income. And having chosen the path that is closest to themselves, everyone can familiarize themselves with them in detail.

IMPORTANT! The biggest and easiest money is earned on the desire of a person not to work, so on the Internet you can find thousands of offers from scammers, so when creating passive income, focus on its legality, adequacy, reliability and simplicity, where it will not be possible to deceive you.

Stocks as a source of passive income on the Internet

For example, if you start from $ 3000 and report monthly at $ 300 at 50% per annum, then in 11 years you will already have $1 000 000 !

You invest $ 3600 a year for 10 years, and you get a million dollars in return.

1 year $ 8,565
2 years $ 17,362
3 years $ 30,558
4 years $ 50 351
5 year $ 80,042
6 year $ 124 577
7 years $ 191,381
8 year $ 291,586
9 year $ 441,893
10 year $ 667 355
11 years $ 1 001 032

Look at the graph of this option for passive income on the Internet for clarity:

A stock portfolio is a great passive income option, it is understandable and adequate, and will be an interesting way for most.

Here you can find hundreds of European and American stocks, commodity futures, energies and other assets.

One way or another, stock prices are rising all the time, and companies that more and more people learn about are growing hundreds of times.

Over the past 3 years, only one has grown by 300% ... This is the most advanced and legal passive income on the Internet.

Valuable property and real estate

This type of passive income includes:

  • real estate;
  • precious metals and stones;
  • antiques;
  • objects of art;
  • collectibles (coins, stamps, books, vinyl records, etc.).

But you need to understand that for the development of such a business, you need to have not only the start-up capital, but also the necessary knowledge. So you have to find experts and, at first, involve them in the case.

How much can you earn this way? Depending on the chosen direction and market conditions, the profitability may be from 15 to 70%... Looks pretty good, but keep in mind that investing in real estate, precious metals, as well as luxury items and collectibles is not passive income in the classical sense. Yes, it may fit Pareto law, but nevertheless, the person is required to:

  • careful study of relevant market analytics;
  • the ability to choose liquid assets;
  • careful observation of tax matters;
  • ability to find and attract customers.

There is one more thing - it is desirable to invest for a long time. Real "exhaust" can only be obtained years in 5-10... During this time, an apartment bought in a new building may rise in price by 30-40%, and various antique values ​​and even more. This type of passive earnings basically does not require anything from you - you bought it and keep it, and after n amount of time you sold it.

For example, Andy Warhol's painting Lemon Marilyn was bought by an investor in 1962 for $ 250. After 45 years, it was sold for $ 28 million.

Earnings on PAMM investing

For those who are not well versed in stock trading, investment solutions from offering such opportunities as automatic copying of transactions of successful traders or.

The bottom line is to invest in money managers on the currency exchange. Traders will take small percentage from the profits, but also make money for you. Thus, it is beneficial to everyone.

To make it easier for users to choose the most suitable option, all brokers provide a rating of managers' profitability, where you can clearly see their success both in the short and in the long term.

The return on investment in traders is highly dependent on professionalism and market conditions and may fluctuate from 30 to 150% per annum and you don't need to do anything yourself.

Creation of intellectual property

The most pulp for those wishing to create passive income from scratch.

For people with valuable knowledge, experience, or good creative ability, passive, no-investment income can be earned through

  • creating audio,
  • video,
  • graphs,
  • text materials of artistic or scientific content.

There can be a great many ideas for this part:

  • writing books
  • scripts
  • music
  • software

with the subsequent receipt of both royalties for the work itself and royalties, which will be paid whenever others want to use your work.

And although not everyone can see large sums of earnings here, the availability of methods makes this area very attractive.

Bank deposits

The most popular and simplest passive income in rubles is opening a bank deposit.

That is, in principle, you can put money in a bank and live on one interest. The main advantages of this option are:

  • extreme simplicity of the process;
  • you don't have to do anything at all (just come to the bank, conclude an agreement and give the money to the cashier);
  • relatively low risks of losses.

However, there are also negative aspects. The first is more than modest profitability. The average rate of large banks is no more than 7-8% per annum. Less established institutions offer 8-11% in rubles or 2-3% in USD.

In order to earn at least $ 1000 per month at a rate of 2% annual, you must already have 600 thousand dollars, which will all the time lie on the deposit "dead weight".

Creation and optimization of your own business

Any business is painstaking and hard work. But only for the time being. According to the American financier Tim Ferriss, the success of any business is determined by its return.

  1. Its first phase involves solid cash infusions and constant control by the owner. It takes about 4-5 years. In some cases, up to 10 years.
  2. After that, the business evolves into the second phase and comes into compliance with the already mentioned Pareto Law - it provides its owner with 80% of the result with 20% of the effort. At this stage, there are no longer any problems with how to create passive income based on it.

The business owner can shift the lion's share of the worries to the management staff, and he himself can concentrate on things that are interesting to himself or other promising business.

How to get passive income in Russia

It is not much more difficult to organize the creation of passive income on the territory of the Russian Federation than in any other country in the world. However, there are also some nuances. Russia, for example, cannot be called “ haven of peace", So investing in stocks Russian companies in the long term, require particularly careful calculations and a willingness to quickly look for new solutions. However, nothing prevents you from buying shares of foreign companies through or.

The real estate market here is also characterized by its heterogeneity. For example, if by 70% the territory of the Russian Federation, real estate prices behave predictably and in accordance with global forecasts, in regions such as MSC or SPB sometimes it is very difficult to predict price movements. During the period of a general boom, a relative calm can reign here, and vice versa, when there is a crisis and stagnation everywhere, the volume of transactions with real estate in Moscow, for example, can go off scale.

As a conclusion

As you can see, passive income is real, however, it is not always passive for 100% , as some not too honest authors of various trainings and educational materials like to say.

Nevertheless, in any variant of passive income, he will not have a boss in front of you, a work schedule, and in the case of passive earnings on the Internet like shares or trust management - a territorial tie.

At first, you need to do a lot ( originally unpaid) work to make a profit and get a steady flow of money.

Passive income has many benefits, but as elsewhere, there are trade-offs. Initially, it is difficult to get a big return from it, so you have to put up with the need to go to a regular job, or maybe even more than one, in order to raise money to start. And only those who are ready to mobilize efforts and forget what laziness are can achieve success here.

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Who wouldn't want to drive around different countries, relax in resorts and do whatever you want, while receiving a constant influx of money, but is this possible? - Of course!

This time let's talk about how to create passive income from scratch, what are the ways and how long it will take for financial independence.

Passive income Is a profit that does not require your direct participation. It only needs indirect actions that help create and maintain a constant income.

That is, our task is to do something once, after which to receive constant profit and only occasionally make changes that will help maintain or increase our income.

10 ways to create passive income

As always, let's start with the simplest, where you need a minimum investment. And we will finish in the most profitable way, which will require the most return.

The easiest and most reliable option is to open a deposit in a bank, where you can receive 6-10% profit per year, depending on the total term and amount of investment.

For example, with a deposit of 100,000 rubles, you can earn 8,000 rubles per year. But if you invest 108,000 rubles next year, then your income for the next year will already be 9,000 rubles.

If you make reinvestments within 10 years, then you can save 250,000 rubles. And imagine that you have invested a million rubles, then in 10 years you will have a net profit of more than 1.5 million rubles from the bank.

Remember that banks can revoke their licenses, in which case the state will return the money within 1.4 million rubles to all clients.

2. Investments in HYIPs

There are business projects on the Internet that collect investments from people, and after a short period of time they pay with high interest.

The more popular name for such projects is. In 2016, we managed to rise from $ 3,000 to $ 12,565, that is, we received more than 300% of net profit.

Where profits are high, there are always high risks. HYIPs often close before you have time to withdraw your money. Therefore, I recommend reading -.

Well, if you do not want to understand this, then you can just follow our list of HYIPs that pay in 2017.

- the most famous cryptocurrency in the world, which was created for the quick transfer of money without commission and at the same time you can go unnoticed.

He was mining this cryptocurrency using his computer and having accumulated a decent amount, he waited for the rate to rise in order to sell everything.

At the moment, 1 btc costs $ 900, and at the beginning of last year, it could be bought for $ 400. That is, with an investment of 100,000 rubles, one could earn 220,000 rubles per year (120,000 net).

PAMM accounts- this is the connection of a personal Forex account to an experienced trader, after which transactions will be copied to your account.

Thus, an experienced trader can bring in a year up to 300% of the profit of which he takes 30-60% for himself (commission for excellent work).

As a result, you can earn on PAMM accounts from 30 to 180% of the profit from one trader. Experienced investors create entire portfolios with up to 20 different PAMM accounts.

5. Earnings on social networks

Social networks are recognized as the most visited sites. And where there are a lot of people, there will always be many opportunities for passive income!

For example, you can do:

  1. Create a YouTube channel and earn on advertising;
  2. Create and promote VKontakte groups for resale;
  3. Create a large VKontakte group and earn from advertising;
  4. Create an Instagram account and complete small tasks to earn money;
  5. Post links of affiliate programs.

6. Participation in affiliate programs

Few people know that most of the current Internet services can generate additional money. For example, you send a link to a friend on a useful site, and for this you get a percentage of his order.

affiliate program- this is making a profit from a service where orders are made using your links. You earn from this from 5 to 50% (depending on the service).

But only a few of these are building a whole business! For example, you can tout LetyShops on various forums, which allows you to save money on electronic purchases.

If your friend buys a lot of goods on AliExpress, tell him that you can save 5-10% on each purchase if you do it using LetyShops!

And not so long ago I made a list of the most that can bring up to 30,000 rubles a month from various forums and social networks!

7. Creation of information business

If you are a true professional, why not write a book and teach other people? It's about creating a cool info business that will bring passive profit!

For this, as a rule, they create a personal website, where they beautifully talk about what you can come to if he buys your book or takes a whole course for 30-50,000 rubles.

In addition, you can create a personal YouTube channel and promote it to 50,000 subscribers. After that, you will have many clients.

Several of my friends are already working closely with the information business and I can say with confidence that after a few years you can earn 150,000 rubles a month (from the sale of books alone).

Do you know that about 70% of all light industry goods are produced in China. They have learned to make quality things that are also very cheap.

There are really many schemes for making money with China. For example, you can open a company and participate in tenders for the purchase of equipment or open your own shop in the city.

Another way to sell goods through the Avito or Yula site. Well, in addition to open your own online store.

As a rule, the mark-up on goods is 40-80% of the original cost. Thus, by selling a dozen goods a day, you can reach a net income of 100,000 rubles a month!

A business like the resale of real estate is not suitable for everyone, because for this you need to have a decent amount of money. Realtors know very well that this is a great way to make money.

For example, in Moscow, apartments are quickly bought up at the stage of the foundation pit, especially if the house is being built in a new district that will only be equipped.

After the house is rented out and all the benefits are carried out, apartments rise in price by 20-50% of the initial cost. Well, after the development of the entire area, apartments will cost 2 times more than the initial price.

Thus, with an investment of 3,000,000 million in 5 years, you can get 6,000,000 million rubles. Therefore, wealthy realtors often buy apartments at the excavation stage.

10. Renting out office space

One-room apartments in Moscow closer to the center cost 5-7 million rubles, and such an apartment can be rented out for 40,000 rubles. That is, our "odnushka" will pay for itself in 12.5 years.

But smarter people will look in the direction of office space, where for that kind of money you can get up to 70 sq. m and when renting a company at a standard price of 13,500 rubles per sq. m, the premises will pay for itself in 6 years.

It turns out that buying an office is 2 times more profitable than buying an apartment. By the way, retail space can pay off even faster!

In fact, there are many more interesting ways to create passive income that never made it into one article. If you want to continue, write in the comments.

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What is passive income and how to create it to an ordinary person? How can you live only on a percentage of your investment and never work again. Read about all this below.

1. What is passive income

Passive income is a permanent and stable source of income that does not require any time expenditures (or they are minimal)

The main idea of ​​passive income is to create eternal sources of profit for yourself and then receive money from them on an ongoing basis. That is, we once created something and then do nothing in order to receive funds. For example, the work we are used to is an active source of income, since payment is made only when the employee goes to work. Therefore, you need to constantly waste your time.

The most simple example passive income is renting out an apartment. You get paid monthly rent. In order to receive this money from you, no further action is required.

The sooner you think about creating passive income, the more opportunities you have. You will be able to accumulate more funds faster and more to implement your plans. Most of us dream of creating ourselves financial freedom and not working anymore, but doing what we like.

The benefits of passive income

For example, you can save money for a bank deposit every month and save up a good amount over the course of a year. In 3 years this amount will be even more substantial and perhaps even a percentage of it will be enough for you for some needs.

3.1. The accumulating effect of compound interest

In mathematics, there is such a thing as compound interest. Simply put, this means that over time, your savings begin to grow not linearly, but exponentially. This can be easily achieved by reinvesting the income earned.

My wealth is the result of a combination of several factors in living in the United States, good genes, and the cumulative effect of compound interest. Warren Buffett

For example, if we put 1 million rubles at 10% per annum, then in a year the amount will be 1.1 million rubles. Two years later, the account will be the amount of 1.21 million rubles. In the second year, the capital grew by 110 thousand rubles, and not by 100 thousand rubles, as in the first year. Even in such a short period of time, it is already noticeable that capital begins to work even more efficiently for us.

I agree with those who say that this is insignificant. However, if we take a calculator and calculate what will happen in 10 years, in 20 years, it turns out that the effect is already huge amounts.

How quickly the amount in compound interest grows

To double the original amount of money at a constant interest rate 10% per annum will take not 10 years, but only 7.25 years. It will take 11.5 years to triple.

  • Develop your financial literacy... To do this, read books about investing, trading, the philosophy of wealth. You can start with Robert Kiyosaki and continue with specialized stock literature.
  • Create new assets regularly. Look for new opportunities, they are always there.
  • Create multiple sources of passive income. It's not worth getting attached to only one.

3.3. Rules: how to get rich from scratch

There is a basic set of rules that anyone who wants to become rich should follow. They are not at all complicated and can be done by any person:

  1. Pay yourself. As soon as you receive your salary, first of all set aside some of the funds for yourself (at least 10%). Most often, the population, on the contrary, pays off debts and spends money, and what remains is set aside. This is a habit of poor people, exclude it from your life.
  2. Save what you put aside... This rule implies that the deferred funds cannot be spent.
  3. Increase your money... It is necessary to invest money in reliable assets in order to constantly increase your capital. We will tell you about the sources of passive income just below.
  4. Save the multiplied... The earned profit is best reinvested so that savings grow faster. There is no need to invest in dubious and too risky assets.
  5. Create several types of assets to minimize your risks. Whatever your general reliable income, it will be even more reliable if you distribute money among several such sources.

4. Sources of passive income

Many sources of passive income can be created. Everything depends on the individuality of each of us. We all have slightly different knowledge, skills, capabilities, wishes, so you can only decide for you what exactly to do. We will only consider in detail the basic options for stable sources of money. We will focus on a mathematical basis to calculate how beneficial each source is.

How many sources of passive income you will have is up to you. I can only say that the more there are, the more reliable and wealthy your life is. Therefore, follow the Paretto principle: 20% brings 80% of the result. Make a little effort in different industries to get the most benefit.

4.1. Bank deposit is a reliable source of passive income

A bank deposit is the most popular means of saving and accumulating funds among the population in Russia. The interest rates offered by banks are certainly not as large as we would like, but nevertheless this is really the most reliable way to slightly increase your capital in the absence of any action.

There are a lot of offers on the market of bank deposits. Each bank offers its own line of deposits. If you spend literally 10 minutes, then you can choose the most profitable one for you. Do not be lazy to do this, because there are always profitable offers in banks, where the profitability will be slightly higher (at least by 1-3% per annum).

There is no need to worry that the funds will be wasted. All deposits are insured by the DIA for the amount of 1.4 million rubles (including interest). It makes no sense to put exactly 1.4 million rubles in one bank. Better to put a little less to insure the accrued interest. For example, if we are talking about the rate of 8% per annum for a year, then it would be logical to put the amount of 1.29 million rubles and sleep peacefully (at the end of the term the deposit will be 1.3932 million).

How much can you earn

The profitability of the deposit varies due to the economic situation. The relevance of the information should be checked. As of 2019, you can find deposits with a maximum rate of 8.5%. In more reliable banks at 7% per annum. These are almost the smallest deposit rates in the new history of Russia. Previously, there were always offers at 10-12%.

  • Investment reliability (the amount is insured by the DIA)
  • Predictable income
  • No action required from the investor
  • You can invest any amount
  • There is no way to "break" and spend money, tk. it is necessary to terminate the deposit agreement and then the accumulated interest will "burn out"
  • Low profitability
  • It is impossible to close the deposit ahead of time without losing interest
  • It is impossible to store substantial amounts of more than 1.4 million rubles in one bank due to the risks of its closure

I also advise you to partially keep money on debit cards, which give interest on the balance. These cards also give cash back on any purchase. I use these cards myself:

  • Tinkoff. 6% per annum on the balance. Amount up to 300 thousand rubles. You can transfer any amount to a special savings account at 5%.
  • Benefit (HomeCredit Bank). 7% per annum on the balance. Amount up to 300 thousand rubles.

Summing up, we can say that it makes sense to have some part of the money on deposits, because it is a liquid and reliable asset.

4.2. Renting out real estate

Real estate objects have always been and will be in trend among investors. Such purchases can be visually seen and felt. However, their profitability is extremely low, but first things first.

You can make money on real estate in two ways:

  1. Rentals
  2. Resale

For passive income, the first option is considered, since the second method is more risky and requires a constant search for new good offers on the market.

The following types of real estate investments are shared:

  • Residential (apartments)
  • Commercial (garages, office premises, warehouses)
  • New buildings (investments in the construction of new facilities)

Large investors buy commercial real estate more often, since the return on delivery non-residential premises usually brings more profit, and also does not need any repairs. However, this situation occurs only in favorable periods of the economy, when GDP is growing steadily, inflation is within acceptable limits.

It is difficult for an ordinary person to buy commercial real estate because of its high cost. Objects are different, but usually a good place costs as much as 3-5 one-room apartments. Therefore, many would rather choose the option with the purchase of 3 apartments than one such object.

Since 2014, the economic situation in Russia is rather difficult. Real estate prices are not rising. Therefore, many who have invested in commercial real estate are now at a loss. Residential also fell in price, but with slightly less losses for the investor.

What is the profitability

The rental yield is at a modest 4-6% per annum. This is even less than bank deposits... At the same time, there are still risks of damage to property by tenants and from time to time you will have to invest in repairs (rarely, but such moments do happen).

Real estate will rise in price over time, but it is hardly worth counting on, since this is an extremely long process. For the growth of its value in the country as a whole, there must be the economic growth... Otherwise, due to cuts in wages and high inflation, no one risks getting into mortgages (most apartments are bought on credit), even with low rates.

  • High reliability
  • Real estate can be seen with real eyes, which is very important for many people
  • Stable rental income
  • Great option for risk diversification
  • Low profitability
  • Low liquidity (when selling, you will have to look for buyers for an average market value, plus another 2-3 weeks of registration of the transaction)
  • There are overhead costs for maintaining the property
  • Large investments (real estate costs several million rubles at least)

4.3. Investments in securities

The securities market is traditionally considered one of the most profitable options for increasing money. The average yields are at the level of 8% -20% per annum, provided that you operate on the "buy and hold" principle. If you engage in trading, you can significantly increase these numbers and get 30%, and even 100%.

High profitability and high liquidity allow you to quickly and efficiently manage your capital. Anyone can enter the market, while it is enough to have a small investment. I would recommend entering the market with amounts of 100 thousand rubles or more.