In 2015, investors who kept their money in dollars and bought shares in metallurgical companies and fertilizer exporters did not fail. Analysts told which investments will become the most profitable and in which currency it is better to keep money in 2016.
A year ago, many investors would have given everything for a time machine or a crystal magic ball: in December 2014, they woke up in a country where the ruble had depreciated by half. There were few lucky people who were able to predict this and convert ruble savings into foreign currency. The majority of Russians began experimenting with shifting the ruble into various assets after the collapse began. And yet, investors - experienced and newcomers - found tools that helped to save money and even make good money, despite the crisis in Russia, which was looking for its "bottom" throughout 2015.
The most profitable currencies and stocks of 2015
Those who converted rubles into American currency did not fail: deposits in dollars turned out to be one of the most profitable. According to FxPro analyst Alexander Kuptsikevich, if we take 1 million rubles as a starting point and take into account losses during conversion, then the owners of deposits in dollars have enriched themselves by almost 200 thousand rubles over the past year. Thus, the dollar has risen in price by 15.3% in almost a year, and the yield on it has made investing in USD even more profitable. Adjusted for conversion, it was possible to receive $16.149 thousand, earn another $885 and, having exchanged at the rate at the end of the year, earn 192.263 thousand rubles, or 19.2%.
In 2015, euro deposit holders could receive the maximum profit of 90.325 thousand rubles or 9%, which is more than two times lower than in the dollar. Investments in pounds would bring 154.697 thousand rubles or 15.5%, on deposits in francs the yield would be 201.783 thousand rubles or 20.2%, which would slightly exceed the yield on the US currency.
The average return on shares in 2015 was more than 20% - this is how much the MICEX index has added since January 5. Traditionally, shares of the second and third tiers brought high income in 2015, some of them showed a yield of 800%, for example, the shares of the Vyborg Shipbuilding Plant. But all records were broken by the shares of Kaluga Supply Company Plus (+1160%).
Among the leaders in blue chips was Sberbank - from the end of 2014 to recent highs at the end of 2015, it added 100%. The greatest growth took place in October-November, when large foreign investors entered the securities of Sberbank. Almost 200% managed to add the papers of Polyus Gold. The growth of shares was accelerated by the news that OJSC Polyus Gold, 95% of which is controlled by Polyus Gold International, will now become the parent company of the entire gold mining group. Also in 2015, the attention of investors was attracted by dividend stories: preferred shares of Surgutneftegaz added 50% over 12 months. There were also some stories related to corporate events, for example, NCSP shares grew in 2015 by 225%.
Also in 2015, investors were interested in non-oil exporters, shares of metallurgical companies and fertilizer producers became especially attractive. Shares of Severstal added about 22%, shares of MMK added 67% last year, shares of Uralkali added about 40% over the year, shares of Akron rose by more than 100%, and shares of PhosAgro rose by 70%. Fertilizer stocks have acted as a shield to help many investors weather ruble weakness, analysts say: fertilizer prices were stable in 2015, companies were export-oriented amid a strong ruble depreciation, while ruble costs remained virtually unchanged. .
What currency to keep money in 2016
Despite the fact that the dollar became the most profitable currency in 2015, the majority of analysts polled by dp.ru believe that in the upcoming 2016, the US currency will no longer feel so confident. In their opinion, the high price of the dollar in 2015 was based on high, greatly inflated expectations of an increase in interest rates in the United States, but the reality turned out to be more modest than expected, and the dollar is more likely to show a decline in world markets in the coming year.
Petr Pushkarev, chief analyst at TeleTrade Group of Companies, advises to convert some of the dollars into euros at the beginning of 2016, while the value of the euro against the dollar is closer to 1.10. But buying dollars and euros for rubles at the beginning of the year, in his opinion, is already too late: it is better to wait a moment after the jumps and take advantage of the rebound in prices on the oil market, which is expected in the first half of the year, then both dollars and euros can still be purchased at the exchange rate. 7-8 rubles cheaper, and in a more favorable situation, it is possible to return the dollar to the area between 60 and 65 rubles.
In a negative scenario (if oil prices fall to $20 per barrel and remain at this level), the ruble may lose another 20-25% against the dollar, but its slight strengthening is more likely. This means that the share of the dollar and the euro in deposits can be gradually reduced and stopped at 25-35% of the savings, Vsevolod Lobov, head of the analytical service of Dokhod Investment Company, believes.
But there are analysts who believe that buying the dollar will help make money this year. According to Alpari analyst Anna Kokoreva, the dollar will strengthen due to the US monetary policy, which is aimed at strengthening its own currency. "The Fed has already raised rates and will continue to do so next year, which will systematically increase the value of the dollar. It is better to buy American currency in order to earn money for six months or a year," she said.
Many experts believe in the strengthening of the ruble and say that it should not be discounted. The territorial director of BCS Premier Vadim Isakov recommends leaving at least half of the savings in 2016 in rubles. Alena Afanasyeva, Senior Analyst at Forex Club Group, agrees that the strengthening of the ruble cannot be ruled out, and at the same time adds that it would be nice to pay attention to other currencies that have suffered heavy losses, as they are on the verge of oversold, and a reversal in commodity markets could trigger a recovery in demand for risky and commodity currencies. According to her, Canadian and Australian dollars may be among the leaders.
Where to invest in 2016
In the coming 2016, there will be more potential opportunities for earning on the restoration of depreciated assets, although conservative strategies and instruments will still be more in demand, and savings moods will prevail among investors.
According to the BCS forecast, the shares of representatives of the agricultural sector will continue to grow steadily, but it is also worth paying attention to the most undervalued liquid securities, such analysts include the shares of Uralkali, ALROSA, and Gazprom Neft. Growth potential, in their opinion, remains in the shares of Moscow Exchange, Aeroflot. Also, investors may wake up interest in the pharmaceutical industry, in this sector Vadim Isakov allocates low-cost papers of Protek and Pharmstandard.
According to Vsevolod Lobov (Dokhod), the optimal portfolio for this year is a focus on companies that can grow well with a slow economic recovery. In his opinion, these are, first of all, food producers (Cherkizovo, Rusagro), the financial sector (Sberbank and the Moscow Exchange), the same chemical sector, certain strong companies such as LSR and shares with a good dividend profitability - NLMK, Norilsk Nickel, MTS, MegaFon, VSMPO-Avisma. “There should be fewer shares in the portfolio of the metallurgical sector (especially those that do not pay dividends), retailers (although some of them remain very interesting) and electric power companies, which still bear too much risk for optimal portfolios,” Vsevolod Lobov believes.
Petr Pushkarev (TeleTrade) recommends that investors wait for a big downward correction in the stock markets of America and Europe, since the markets there are extremely overheated, according to his forecast, the correction in US stocks could be from 30 to 50%. “By the way, you can make very good money on the downward movement in Western stocks if you open a trading account with a broker who has the ability to trade stock indices for a fall. I would recommend making investments in the stock market, including the Russian one. already after this significant correction happens and ends.The decline in our market may not be strong, as on the American stock exchanges, it may be much more modest, however, all markets are strongly synchronized with each other, and it is more reliable to wait until the dust settles After that, perhaps already in the second half of 2016, we can see prices for the shares of Russian companies that are really attractive and interesting for investment," the analyst argues.
For conservative investors, buying bonds for a period of one to three years in early 2016 may be a good choice. If forecasts for a smooth slowdown in inflation and further reduction in interest rates come true, they will bring good profits. Vsevolod Lobov, in particular, draws attention to non-taxable personal income bonds of subjects of the federation not burdened with large debts, for example, bonds of the Krasnodar Territory, Samara Region, Yakutia, Krasnoyarsk Territory.
Analysts also note that it is worth paying attention to corporate bonds, because in the message of the President of the Russian Federation to the Federal Assembly there were words about the abolition of the tax on coupon income on corporate bonds. If such changes occur in the tax code, it could reduce the spread on government bonds, they say. "From government bonds, the most profitable option in 2016 is OFZ-IN - that is, bonds whose income is indexed to the official annual inflation rate. For example, this is 2.5% of annual income + an inflation rate of 7-8%, and in total it can be more than 10%," says Pyotr Pushkarev. In his opinion, bonds of Alfa-Bank are interesting among corporate ones, and Vsevolod Lobov notes bonds of telecoms and companies in the retail sector.
As for precious metals, they are not mentioned by analysts as a clear good investment in 2016. Vadim Isakov (BCS) says that those who plan investments for the long term, for 3-5 years, can in principle invest in gold or silver, since their quotes are close to their minimums, but the dynamics of their movement, as well as oil futures may be unpredictable for quite some time yet. Petr Pushkarev believes that it is better to wait for the first signs that the steady downward trend is changing and buy gold at $100-$150 per troy ounce more expensive than to be in a buy and sustain a possibly indefinite drawdown below $1,000 per ounce.
Oil futures, according to the general opinion of analysts, will not be able to bring the same astronomical income as in 2009, when prices returned from $35 per barrel to $60 and above within just 2-3 months. However, here it will be possible to play both for a rebound (for an increase), and then again for a fall. "Much will depend on China - recently China's growth rates have been gradually slowing down, but if the trend stops, the market may again start buying hydrocarbons and precious metals," says Alena Afanasyeva (Forex Club).
In general, 2016 inherited from 2015 the same risks for Russian investors - political and geopolitical. If the recession deepens, or there is a sharp aggravation of the geopolitical background, ruble assets may come under additional serious pressure, experts warn. Global political instability may intensify due to the US elections. One cannot ignore the sanctions pressure, weak global economic growth, low oil prices, ruble instability, high inflation, high cost of credit resources, and capital outflow. However, despite this tangle of problems, one can hope for a stabilization of the situation for Russia, which can become the basis for future growth.
Most likely, there will be no “magic” asset that will grow throughout 2016, so it’s better to start a mobile trading terminal for trading in oil contracts, and the ruble, and the exchange rates of world currencies EUR / USD, and others and several once a year, but immediately and precisely in real time to respond to any strong price changes, experts advise.
Economists' forecasts for 2016 are disappointing. Every day, faced with reports on financial policy and its state, analysts came to the conclusion that inflation would be incredible. The catastrophic collapse of the ruble did its job, and citizens felt it in their own pockets. Constant jumps in credit and deposit rates in credit institutions, the tense atmosphere in the financial market do not allow ordinary people to live and be happy.
This is what leads to the fact that a person thinks about saving savings in order to avoid financial losses. So how not to lose hard-earned money and increase it? What and where is it better to invest in order to earn? What are the best purchases to make?
To get rid of pessimistic thoughts, consider that some people do not have savings at all, and you have them, so you can invest well and stay in the black in this situation. The main thing is not to rush to the first financial instrument and not invest in it. Each of the options listed below has its own nuances and rather high risks. But for that they provide the maximum income to their investor.
Bank deposit
This is the best stable investment. The deposit is insured, and in the event of liquidation of the license from the bank, you will be returned the deposit amount, not exceeding 1.4 million rubles. But this is not a smart way to invest money. It is much easier to use this tool to increase capital for further investment. Any analyst will be able to decide that this is not reliable. After all, many open multi-currency accounts. And knowing the current situation, you can seriously burn out in this matter.
Which banks are best to deposit? This is a purely personal question. The deposit must be chosen based on your individual needs: amount, term, interest rate, availability of additional services. But the most reliable banks are listed in the TOP10 rating at the state level. Moreover, the government cooperates with many of them in the implementation of subsidies. And it is unlikely that it wants to close these financial institutions. This rating includes Sberbank, Rosselkhozbank, VTB24, Gazprombank and Alfabank. The first three leading positions are occupied by the first banks.
Buying a property
The most relevant idea is investing in real estate. It is this product that wins in its liquidity. Having invested in an apartment in an unfinished house, you can sell it in a couple of years at a markup of half the cost. But this financial instrument requires careful calculations. Investing in real estate freezes your funds not for six months, but for several years. Therefore, you must be absolutely sure that you will not need this amount of money in the near future. In this case, it is simply necessary to have savings for the purchase of real estate. The initial capital must be at least the cost of the apartment, appraisal and notary services. Often people in such a situation resort to mortgage products. But here you need to know all the nuances, otherwise you can not invest, but simply put money on a deposit, since this will not bring income. Also, after the purchase, the property can be rented out. Therefore, it is worth buying several one-room apartments, rather than one three-room apartment. The cost of rented real estate depends on various factors: the location of the apartment, the availability of infrastructure. You can also buy commercial real estate for its further sale in the relevant market. Before you buy, contact a financial consultant who will calculate the time frame for buying and selling real estate at a bargain price.
mutual funds
It is a risky financial instrument. The essence of this venture is the trust management of your capital by a specialized company for a specific fee. That is, you give your money to the fund to manage it. But you are responsible for everything. In case of incorrect actions of the company's employees, you will lose your savings. But practice shows that citizens receive a stable income from these investments.
It is important to choose a mutual fund based on reviews and fluctuation factors. During the last crisis, such organizations were able to return the funds to depositors only after five years. The most profitable were able to exceed the income of 40%. With this type of investment, you can withdraw your savings at any time.
P2P lending
It's kind of like an online deal. The creditor is an ordinary individual. Such an investment can bring a monthly income of half that amount. Your clientele will borrow at 1.5% per day. Why not a microfinance organization? But the systems where this transaction takes place daily take half of the percent for themselves. After accumulating a profit equal to your deposit, you can start earning on it by withdrawing the initial capital.
Binary Options
A rather risky product that should not be dealt with by people with gambling addiction. Here you need a cold calculation and goal setting. When betting, you can either get a 100% profit or lose the deposit in the same amount. If you do not understand anything about this, it is better not to risk it. Even old-timers at these rates lose crazy amounts. If, nevertheless, you decide to get acquainted with them, then it is better to choose a broker that provides a test account. Without investing a penny, you can try yourself as a trader.
Investment in someone else's business
Investing in someone else's has always been a risky business. This is especially true in times of crisis. Many people think that having invested money once, you can just lie and make a profit. To invest in a business, you need to know the person and trust him. Otherwise, you may lose all your savings. In the Russian Federation, this type of activity is not popular. All contributors-shareholders are required to actively participate in the life of the enterprise. If you invest in someone else's business, then a part of the amount is better.
Investing in your own business
This is the right way to invest, as here you are responsible for your actions and money. But even here there are risks involved. Before you start your own business, you need to decide on the number of competitors. It is better to start with the provision of services, especially if you do not have any initial capital. Try to do everything yourself and do not resort to bank lending. The main thing is not to be afraid to start building your own. Seeing the first profit, it will be possible to calm down a little and exhale with relief.
precious metals
They have always tended to rise in price range. That is why all people invest their savings in this niche. This method is considered the most risk-free. Such metals include palladium, silver, platinum, gold. Their profitability annually exceeds inflation. You can buy precious metals at the bank, but then these bars must be stored in a safe, paying for its cost. Otherwise, with any scratch, the ingot will depreciate. You can also purchase coins, antiques, securities, open an anonymous account.
Investing in Android Apps
Not many people know about this type of investment, which annually gives the investor a considerable profit. It is better to invest in applications that provide real help, as well as information and thematic applications.
If you got here, then you have a question - where to invest money? Here you will find the most profitable investment in 2016.
According to statistics 72% current millionaires started with investments that brought passive income. ©Forbes
It is worth starting with the fact that in the country at the moment the inflation rate is about 12%, that is, in a year your money will lose value if it is on the shelf.
Therefore, we decided to collect an investment portfolio, where it will be clearly visible where it is worth investing and what profit can be obtained by our own example.
Table of profitable investments in 2016
The table is updated every month on the 1st, this will help to more accurately show the benefits of each method of investing money.
| № | Website | Contribution $ | Profit per year |
|---|---|---|---|
| 1 | 1000 | 600% | |
| 2 | 100 | 280% | |
| 3 | 150 | 240% | |
| 4 | 100 | 180% | |
| 5 | 100 | 170% | |
| 6 | 800 | 140% | |
| 7 |  PAMM accounts | 500 | 135% |
| 8 | 100 | 92% | |
| 9 | 1000 | 60% | |
| 10 | Banks (rubles) | 1800 | 11% |
You can find out more about each type of investment from the table below.
1. Forex
Forex is a risky type of investment, where you need to understand all the intricacies, spend a lot of time, and also monitor the foreign exchange market every day.
Therefore, it was decided to find people who do this at a professional level and have low risks, and then invest in them and get their own percentage from this.
This is an ideal scheme for those who want to invest money in a profitable business that has more than 10% profit per month.
The company existed for 610 days, which is very cool for this industry. However, in the end they decided to close.
Skyllex is an Australian company that offers to invest money in their accounts, you can start with $50 and get a fixed profit of 50 to 80% per month, depending on the deposit.
The company is engaged in investing in the stock market, bonds and the most successful traders. They worked for more than a year and could bring more than 600% profit in 1 year of work.
PAMM accounts
PAMM accounts- this is a dangerous type of investment, where there is a chance to lose your money, but the profit here is much higher. The most important thing is to find profitable pamm accounts without large drawdowns over a long period.
It is also better to use trusted brokers who manage accounts of tens of millions of dollars, it is your safety that the money will be paid out. 
We use Alpari and can recommend three great PAMM accounts with no big drawdown that can bring great profits!
- Stability - 275% per year with minimal drawdowns. It has been working for 8 years and is considered the best account, although the commission is 70%.
- Eternity - 187% per year, with average drawdowns, $10 is enough for an investment with a commission from 20 to 50%.
MrGold — 185%, $10 deposit with minimal drawdowns. Commission 19-39% from profit (one of the most profitable accounts at the moment).
2. Venture funding
Venture funding is a long-term investment through the purchase of shares of growing startups in order to obtain high profits.
There are only a few large companies in Russia that can offer this type of service. I would like to note that this is not only a reliable type of investment, but also very profitable.
Insolt
The international investment platform Insolt offers several types of investment at once and the minimum profit is from 9% per month.
Trust management: this is the transfer of money into the hands of professional traders who are engaged in money management in the exchange markets. The average profit of such an investment is about 11% per month.
Investing in startups: this is a great way to make money on Insolt, where earnings per month reach up to 20% when it launches. In addition, you can always sell stocks that can go up in value!
is the most popular venture investment platform in Russia. Where potentially profitable startups are gathered.
The main plus is a simple approach to investing, where anyone can invest even $ 1. At the same time, a good investment portfolio brings 10-20% profit per month + sale of shares.
3. Buying shares
In America, large investors buy shares of companies and receive dividends from this, and also have the right to resell shares. This type of earnings has reached Russia. 
- the first Russian site that offers a fairly simple way to purchase shares of various companies.
You will need personal data and money, by the way, the order amount starts from 10,000 rubles. So be prepared to buy multiple packages at once.
Managers of IC "Freedom Finance" create agreements for signing by the client, after which securities will be displayed on the depositary account, which can be disposed of as you like. 
Personally, our team bought 400 shares of Gazprom for $1,000, which brings a profit of 5% per month - $50.
4. Sports betting
Sports betting- this is one of the most profitable investments in 2016, no one expected such a high profit from such a risky method.
And maybe this method did not make it to our list, if it were not for one company that offers passive income without participating in rates, and all this is official.
Unicore-Analyst managed to bring 175% profit in 5 months of his work. But why such a high profit?
The fact is that professional brokers take your money to the general account of the company, which participates in various sports betting. And as a rule, they guess the outcome of events in 80% of cases.
Futures trading is very popular, and the most popular trading is carried out on the Russian futures market "forts".
This is done by the Moscow Stock Exchange MICEX-RTS. Where you can trade on all the different assets:
- Currency;
- Shares of leading Russian companies;
- Bonds;
- Stock indices RTS and RTS Standard;
- Oil products;
- Precious metals;
- Diesel fuel;
- Electricity.
In order to make money on futures, you need a lot of experience, time and money spent. The futures market is a cross between the MICEX spot market and Forex.
- this is the most popular electronic currency, the price for 1 bitcoin is about $450, although a year ago this figure was about $200.
In addition to the fact that btc is growing in price again, you can not just buy bitcoin, but invest money in cloud mining, where the profit will be 150-200% per year, not taking into account the rise in the rate.
- this is one of the most reliable ways to invest, but the rates in banks are 4-12% per year, which does not even cover inflation.
Few people know, but when someone tries to make a contribution, they try to impose additional money on him. services that will reduce the percentage. And the money that the bank receives, it invests in more profitable investments.
For example, banks often buy not only currencies, but also precious metals, futures, stocks and are actively engaged in venture financing.
3 banks with the highest percentage on deposits with an investment of more than 100 thousand rubles:
- Uniastrum - a rate of 11.7% with a deposit of 100,000, you can make a profit of 11,750 rubles.
- Credit Europe Bank - a rate of 11.4% with a deposit of 100,000, you can make a profit of 11,474 rubles.
- Home loan - a rate of 10.8% with a deposit of 100,000, you can make a profit of 11,330 rubles.
And we bet that you have not even heard of this type of income, right? This is a fairly new and unusual way to make money on being right.
All you have to do is accept someone else's bet and bet some of your own money, if you win, you get someone else's bet. Or you can create your own dispute and make good money on it.
At the moment, this topic is only gaining popularity in Russia, so there are few sites that accept disputes, or rather there are only 2 of them.
BetOnMoney: rapidly growing in popularity and already accepting bets from $1 to $1000. The most interesting thing is that there are people who were able to earn $ 15,000 - $ 30,000 on disputes in half a year.
Boobu Club: a little less popular, which is why the rates are lower, but there are a lot of disputes themselves, which will allow you to earn $10,000 - $20,000 in half a year.
9. Issuance of online loans
Would you like to try yourself in the role of a bank, issuing loans in small amounts for a short period at a high interest rate?
It offers such an opportunity to all participants in its system, where everyone can become a borrower or play the role of a bank.
The average interest on issuing a loan is 0.3% per day, and the average term for issuing a loan is 20 days. That is, over this period, your amount will increase by 6%. And for the year you will get a profit of 106% if you issue one amount for the same period.
And if one of the borrowers does not pay, then this loan can be resold to the webmoney system, and the profit from other participants will easily outweigh the amount of the debtor.
10. Making money in China
We will talk about just a few types of earnings that do not require large investments of funds and effort.
Investment in the Chinese economy
China over the past 15 years has greatly developed its own economy and flooded the market with its products, which gives confidence that it will develop further.
Therefore, you can make investments in Chinese industries that will generate passive income every month using the site - Goldenprof.
We made a deposit of $1,000 and we have already managed to earn 150% of the profit, thereby recapturing our money.
Partnership programs
In order to start earning on affiliate programs, you need to register on aliexpress, as well as on alibaba. And start advertising different products on the Internet, spreading affiliate links.
We have created an Instagram account, where we post photos with links to unusual and popular products. The average income per month is about $300-500, if the account gains popularity, then the earnings will grow.
Output
There are quite a few ways to profitably invest money in 2016, and the most important task is to increase your capital and delegate funds to other projects.
This way of investing money will help you eventually acquire a high passive income, which will outgrow wages in a few years.
Money is not the most important thing in life, however, their amount makes life more predictable and, most importantly, comfortable. Actually, most people have two questions regarding finance:
First - how to earn?
The second question, from my personal point of view, is even more important than the first, in fact, having earned the first few millions (even rubles), it is important not only to hide them “under the pillow”, but to build a system where money will earn new money. Thus, a circuit is created, allowing the owner to relax, becoming richer.
Remember for really wealthy people “Money makes money”, now we will consider options for a profitable investment of money with the opportunity to make a profit.
I note that all instruments are random, depending on external conditions, they can be more or less attractive for your region.
Real estate
One of the most proven options investment for the purpose of investing money is the purchase of real estate. But how profitable is it?
The practice of recent years has shown that investing in real estate allows you to save capital denominated in rubles, but the dollar equivalent of investing in domestic real estate suffered losses. Plus, you need to remember the main feature - you won’t be able to quickly withdraw money from this asset (unless you are very lucky).
Gold, silver and other precious metals
I won't be wrong if I say that investing in gold is the oldest and proven way to save money by increasing capital. Actually, people used this option thousands of years ago, but “old age” did not make the option less effective. It can be stated that during periods of turbulence and financial crises, gold becomes one of the main havens for frightened investors around the world.
Why professional investors prefer to “wait out” the storm in gold and how it is right for an ordinary person, let's see how attractive it is?
Investing money in 2016 has a number of features, firstly, the period of turbulence in the global economy has already begun, everyone is waiting either for news from China or news from Iran. As a result, the flywheel of gold price buildup has already been launched, it jumped in December, and now it has gone down. What does it mean?
In fact, if you choose gold as a savings tool for a long period, at least 5 years, then you can definitely buy, but if the time frame is shorter, for example, a year or six months, then making such purchases is extremely risky. If we estimate the possible losses from the discount during the sale and fluctuations in the exchange rate, then the investment will go into the red. True, now there are options with metal accounts linked to the real exchange rate of the metal, but still, for the short term, this option is bad.
Banks
The banking system is one of the most popular channels for investing money by the population. Everything looks great:
- - came, put a deposit;
- - received interest (profit);
- - withdrew his money.
The truth behind the simplicity hides a lot of pitfalls:
- — bankruptcy of financial institutions. In Russia in 2015, a little less than 100 banks were withdrawn from the market by revoking their licenses. At the same time, not only small institutions went bankrupt, but also large ones included in the top large and systemic ones.
- - Deposit rates in rubles often do not even cover the level of official inflation. In practice, this means that by making a deposit you lose the real value of your savings.
The main advantage of such an investment is its simplicity, the absence of minimum boundaries. Any deposit can be made, it is unnecessary to “steam” thinking through the options.
Personally, I stopped using deposits in banks three years ago, why lose your own money, and if you still decide, then pay attention to the following:
- - in one bank you can open a deposit for an amount not more than the minimum guaranteed (now 1,400,000 rubles);
- - Be sure to look at the information about the bank.
- - you should choose from two categories, either state, or a large foreign one with the top 10 in Russia, about that.
- - Do not enter into long deposits. The situation on the market is constantly changing and perhaps in six months it will be possible to place money at a higher percentage. Be sure to consider options for investing money in different currencies, as it should be.
Securities
There are a wide variety of securities on the market today, ranging from stocks, bonds, to warrants and trust certificates. True, most of the exotic instruments are not available to ordinary residents of the country, but everyone can trade ordinary shares through a broker, but the huge turbulence and outright backwardness of the Russian stock market makes such investments very risky.
There are many chances to lose in the stock market to a beginner, but to make a profit is scanty. Plus, with the US and the EU, the rights of minority shareholders (owners of small blocks of shares) are protected as for dividend payments. Alas, it is more difficult to receive dividends in Russia, so think before embarking on an independent journey through the world of securities.
mutual funds
Mutual investment funds (abbreviated as mutual funds) derivatives of the game in the stock market. The main difference from banal trading through a broker is as follows:
- — the trade itself is carried out by the management company. Professionals (theoretically) are engaged in buying up, market analysis. What is a big plus, you need to clearly understand the responsibility they do not bear, the risks all fall directly on the owner of the share.
- — money is invested through the purchase of a share, which consists of several instruments. Depending on the mutual fund itself and its focus, the share structure can differ significantly, for example:
The structure of one and the units offered on the market looks like this
Regarding investing money in mutual funds, by and large it is quite interesting, but the previous crisis showed that in times of strong turbulence in the stock market, it is impossible to make money. The real value of the shares after 2008 recovered after 4 years.
Conclusion, today is not the best time to invest in mutual funds, 2016 promises to be very chaotic for the country's stock market.
Forex, PAMM accounts
The following must be clearly stated:
- The first is trading forex, PAMM accounts and other derivatives of this kind are certain mechanisms that allow you to both earn and lose money.
- Second, don't confuse big investors with investments of millions of dollars and small investments. Of course, all wealthy players invest in the stock market, but they do not just play on the rise or fall of currencies, they use very complex mathematical models, different tools. There are no simple bets on the increase or decrease of the ruble, but there is a whole range of different options, hedging, and so on. The use of such complexes allows them to earn (although sometimes they lose) a lot and for a long time.
Withdrawal, playing on forks and all similar directions for a private person with little money, a profitable investment of money, provided:
Or the user begins to take the direction seriously, learns mathematics, economics and turns this hobby into a full-time job. Then investing in PAMM accounts, Forex is profitable.
Or the user simply decided to tickle his nerves (the usual economic online toy) with the obvious attributes of a casino. In this case, this is just a game for fun, in the long term, for example, one year, such a player investor will receive a loss.
Nothing in the world comes from nowhere and nothing goes nowhere. Actually, when you read reports that Buffett or Forty suddenly s during the trading day, it means one thing - their complex tools worked and removed the "cream" from the market. Only one big minus, millions of such unlucky mini-investors playing simple and uncomplicated strategies, that is, you and me, acted as those very “cream”. Think it over
Binary Options
Investing in binary options has become a new trend in online games related to exchange trading. It is fashionable, but the main question remains, and Is it profitable to invest money in 2016?
The most important thing to remember is that a binary option is a regular bet (b), with a probability of winning less than 50%. As a result, only a very lucky person can earn from investments in the future of a month or a year.
Conclusion If you consider investing money as a long investment for profit, there is no point in using binary options.
HYIPs
Having mentioned in the article about the best options where to invest money so as not to lose and earn in 2016, the topic of forex, PAMM accounts, binary auctions, you simply cannot get around the topic of hype. Personally, I don’t work with such a tool at all on moral principles, my friends do it.
Let's start small, what is hype? In fact, we are talking about a simple financial pyramid. The word HYIP itself comes from the English abbreviation hyip (High Yield Investment Program), which sounds like highly profitable investment programs.
An abbreviation, an abbreviation, but we are talking about the same MMM only imported. From my point of view, investing in HYIPs is stupid, risky, but in fairness, I note that there are successful strategies for making money.
One of my acquaintances has been actively investing in HYIPs for ten years already, by the way, he also actively invested in MMM, moreover, he remained with a profit. What is his “chip” and how does he earn money on it?
- Firstly, he has actually been working with investing in HYIPs for about 10 years. Such experience gives him advantages over beginners, at least he invests in those projects that are at the start.
- Secondly, to play HYIP investing, he really allocates 10% of the profits (cumulatively from all sources) for the past year.
- Thirdly, he really has a "flair" when you need to withdraw money. It can be called differently - intuition, experience, but the fact remains.
- Fourth, for games in highly profitable investment programs, no more is left from other HYIPs, the remaining 50 earned funds are withdrawn from the game.
But even with all the pluses, experience and great intuition, at least every 3 years it turns out to be unprofitable for him.
Conclusion - HYIP investing is a game of Russian roulette, and instead of one cartridge there are at least 5, and sometimes all 6. This option is definitely bad if you decide to invest money to generate income with a guarantee for 2016.
Cryptocurrencies
Investing in cryptocurrencies (although to be honest, we are talking more about Bitcoin) has become a kind of trend in the Internet community, you can even say fashion.
Why the Internet community is actively investing in Bitcoin is simple, the real number of electronic coins of this system is limited, and its popularity has ensured demand. The limited resource and the presence of demand always push prices up (the law of economics). Moreover, the owner of the cryptocurrency is sure that at least this instrument is not afraid of inflation (limited emission), sanctions, economic disasters of a particular state. With these pluses, it is recognized as a means of payment by a huge number of other subjects.
The consequence of such positives was the rise in the price of Bitcoin several times since the launch. Those who were the first to invest in the coins of this cryptocurrency earned a lot, but the question of whether it is worth doing it today or not remains open. Most of the objective reasons that pushed the price up have already exhausted themselves, although it is possible that the growth trend will take place, but on a much smaller scale.
The time for buying up cryptocurrencies as a means of investment (an answer to the question of where to invest money in 2016) is almost over. Bitcoin itself is very expensive, and clones of this system are too unreliable or unpopular as a means of payment.
Venture investments, Startups (business angel)
One of the newer tools for investing your own money is venture capital investment. Of the many different tools that allow you to answer the question of where to invest money so that they also work, this one is perhaps one of the best.
What is a venture capital investment?
This is an investment in a business project at the initial stages of development. On the one hand, such investments are quite risky, on the other hand, they are highly profitable. Why?
It's simple, in fact, only one out of 5-10 projects that fall under venture investment works, but if a startup is “shot”, then the amount of profit is several times higher than the amount of initial investments. Here we can recall Facebook, the initial investment in the project was low, but as the company grew, its capitalization, one dollar invested brought investors $1,000 in profit at the stage of entering the stock exchange. Such a profit is more than enough to cover the losses from nine unsuccessful projects, fights back.
There are two options for investing in venture capital:
- — independently, acting as a business angel. All investments fall on your shoulders as well as risks. On the one hand, it's good if the project has a shot, but if you lose, then everything is yours.
- through a venture fund. This option is more suitable for beginners. Fortunately, today you can find a lot of both domestic resources and foreign ones offering to engage in venture capital investment.
The mechanism of operation of such resources is the same. You are offered to invest in a certain share of the required amount, while the investment amount can be as large as a few thousand dollars per share, up to small ones of 5-10 bucks. At the same time, you can invest in different projects, differentiating the risks. If the project collects the required amount of investment, then the transaction is legally formalized and a management company enters the project on your behalf, if the amount is not collected, the money is returned.
In general, the option is not bad in order to profitably invest your money with a profit, the main thing before working with such services is to study the legal framework and clearly understand the mechanism for reissuing ownership of the project. This moment is important both from the point of view of the safety of your capital and the subsequent payment of taxes.
Art
Buying art along with investing in gold has been and will continue to be a reliable way to save capital for the very wealthy. Why?
It's simple, it is people with big money who can afford to keep or attract experts, specialists who are able to evaluate and predict what is good and what is so-so. But even despite the expertise and opinions, according to statistics, only 1 out of 8 paintings can double in value within 10 years, this is after the evaluation process.
And what about buying in the "blind"! As for me, this is a game of Russian roulette, my advice is not to use this option.
Personally, I introduced this item after a conversation with a circle of acquaintances who enthusiastically told me about the prospects for investing in the Internet. Frankly, I was surprised and decided that it was about investing in applications, products, that is, banal venture capital investment, it turned out to be more and more difficult.
We are talking about redemption sites with passive income, the scheme is simple, you find a small resource with traffic of several thousand people and income from contextual advertising, you buy at a price of 20-25 income. Roughly speaking, if the site brings in 100 dollars, then it is redeemed for 2 thousand.
This option of investing money with constant interest is certainly good, but it has a number of disadvantages:
- - it is necessary to understand, and very well, qualitatively conduct an audit of such a resource (so that there are no jambs, for which you will then fall for);
- – the site requires constant support (publication of new materials, technical issues);
- - it is necessary to clearly understand that the resource will need to be promoted in order to maintain its performance.
Of course, the option of such an investment of your own money has a lot of positives, but there will be enough difficulties, so “measure seven times and cut only once.”
Invest in your own business, is it worth it?
The topic of my own business is very interesting and close to me, but I would not recommend investing free capital in it. Why?
It's simple, if you invest in your own business, then you need to deal with it, and then the question arises, what to do with the old business and its management! You can invest money only if you don’t have your own startup yet, or if you decide to do something new.
I am a supporter of differentiating risks and therefore eggs should be laid out in different baskets, if there is free money, then it is better to choose one of the alternative investment options, then a financial parachute is formed for all occasions.
The article turned out to be large, perhaps within its framework I did not consider all the options where you can invest profitably money with profit, interest in 2016, write comments, your personal experience or alternatives, we will definitely talk about them.
A few videos with tips on profitable investment.
Making a profit by investing is considered the most popular and profitable means among the modern population. But do not think that everything is so simple. It turns out that the ability to make a profit, thus, every year requires new knowledge in this area. In this article, we will share some secrets and talk about where to invest money in 2016 in order to increase it and not lose it.
Due to the fact that the technological process does not stand still, but grows and develops every day, there are more and more available ways to earn money through investment. Many of these methods work very effectively, and many, unfortunately, are irrelevant. Therefore, before investing your money in certain projects, you need to study the statistics and study some information. The main requirement for a person who wants to engage in a profitable investment of his funds is the correct use of the chosen method in order to increase the available finances and not lose them. The task is sometimes not easy. But still there are solutions to it.
Where is it worth investing free cash in the coming 2016 to make a profit
In our modern world, there is a huge variety of different means to increase your capital by investing them somewhere. In this case, we will talk about the most effective and non-violating investment methods.
Bank deposit
Investing your money in a bank is one of the most common methods of saving and saving money. But, unfortunately, it will not be possible to increase their number as much as possible with the help of this. According to the statistics of Sberbank of Russia in 2015, the average annual rate was approximately 10%. This figure is many times less than the data on inflation. But the most important thing in this case is the safety of money. For a profitable opening of a deposit, you must first of all familiarize yourself with some of the offers of banks, calculate the effectiveness, and make sure that the chosen financial institution is reliable. It is also worth considering the current economic situation in the country. It turns out that the higher the economic indicators, the lower the deposit rates.
Real estate investment
Investing money in real estate is considered a profitable way to quickly increase your budget. Indeed, real estate is the most effective method in investing finances. However, it is necessary to correctly approach the choice of this tool. Remember that with the correct use of this method, you can multiply your capital several times over. In many cases, the majority of citizens consider investing in real estate one of the most expensive ways. But if we turn to the opinion of a specialist, it should be noted that this particular method is today more accessible and effective.
Investing by the method of trust management of your funds
In this section, we will talk about the so-called investment method as trust management. This method is a new method in investing. But despite this, this method has gained great popularity. Its meaning lies in the right choice of a specialist who is able to competently manage investment flows and increase them without much loss.
It is not so easy to find the best broker quickly. Therefore, it is worthwhile to carefully study the information, and choose this specialist, focusing on those indicators that can confirm his success and capabilities in this field of activity. It will be most reliable to find several brokers. What income will we receive by choosing this investment tool? This is usually about 60-170% per annum. In order not to make a mistake with the right choice of a particular broker, refer to the reviews of independent experts in this field.
Investing money in precious metals
This article will answer the question where is the best place to invest. Here we present the most effective methods that can multiply your savings several times over. Gold, palladium, platinum, silver, and other metals of noble origin have been valued at any time and are still of great importance among all peoples of the world. And in our modern world, there are enough methods to earn good capital by investing in precious metals. You can trade metals on the financial exchange. Without a doubt, this method brings an excellent income to the investor. If you approach this correctly, you can not only increase your savings, but gain the necessary and useful experience.
Investing in oil
Unfortunately, it is impossible to do without black gold in our world. It is essential for all of us. Oil in various industrial areas is needed as air for the production of gasoline, various fuels, electricity, etc. With the positive dynamics of the growth of oil resources, exporters increase their capital many times over. And people who invest money in black gold get the opportunity not only to earn on the growth of this product, but also on its sharp fall.
Investing in Internet Domains
Investing in Internet domains is a very well-known and common method. Investing in so-called domain names has become popular with the rapid development of the Internet. The most famous deal, which was held not so long ago, brought its invertor over 300 million dollars!
Investing in HYIPs
The most common and fastest-growing method of investing is investing in HYIP projects. You can find them in huge numbers. But unfortunately, not all of them are considered worthy. Investors contribute their savings to projects of various innovative technologies. Before investing your finances in this project, you should monitor among the existing HYIPs and draw appropriate conclusions about their veracity.
Finally
Now you know where to invest money in 2016 in order to get a profit from them. Check out all these modern techniques that will help you make your capital so much more.