The most profitable investment of money. Where is it profitable to invest money - ideas for the right investments. What to invest in

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

Demand creates supply, and today investors are offered dozens of places where investing money can be a profitable idea. Let's review the most accessible and interesting options where you can invest money in 2019, compare their pros and cons, conditions and benefits!

Where to invest money - Startups

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

Note that: Every day new startups appear that require investment. But only 10% of them have been working for more than a year.

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

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

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

Minuses

A startup means risks and the unknown. Often startups die not because of a bad idea, but because of poor organization and incompetence of company managers.

Where can you invest a little money - PAMM accounts

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

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

It is this broker who owns the PAMM Account trademark, since it was he who came up with this system.

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

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

Risk control

By investing simultaneously in 10-15 different PAMM accounts, you reduce risks to the bare minimum. If one account for the reporting month brings a loss, then the others will cover this loss with their profit.

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

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

pros

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

Investing in the Stock Market

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

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

Investments in Options

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

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

The best way is to give an example:

• You are buying a binary option on a stock Microsoft for 1 hour and indicate that the price will rise. If after an hour, the price of Microsoft shares is higher than at the time of purchasing the option, you receive 80% of the profit. If you invested $100, in an hour you could earn 80 dollars.

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

How to make money investing in options?

Yes, very simple! Only follow the news. If you find out that Toyota Tomorrow starts sales of a new series of cars, this means their shares will rise tomorrow. All you need to do is invest in a Toyota stock option with the condition that the price rises for 1 day or even an hour at the peak of the day or at the very beginning of it. If you find out that a tsunami flooded a Toyota plant, then their shares will fall and you can invest in an option with the condition that the price will fall.

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

Here's a recent example as a guide:

Step 1 - select an asset. I chose Facebook shares using binary options:

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

Step 3 - Make a profit. 10 minutes passed quickly and Facebook shares did not have time to rise much in price:

pros

This is the most highly profitable investment; in just 5-15 minutes you can get 70% profit. There are many trades you can make every day. Assets include the stock, commodity and foreign exchange markets. Available to absolutely everyone, minimum investment is only $25

Minuses

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

Investments in shares

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

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

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

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

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

If you do not want to risk a lot of money, but want to make money on shares, CFD contracts are an ideal option - this is trading on price differences.

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

pros

Shares can provide good returns, benefits and are long-term investments.

Minuses

A minimum stake in shares can cost quite a bit of money, and shares of unknown companies are quite risky.

Investing in metals

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

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

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

A few years ago, Warren Buffett sold all his gold assets and was right. I believe that in 2018 there is no need to rush to invest in gold, at least it is worth waiting until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that in 2017, mutual funds dealing with gold have already suffered losses.

pros

Metals have a certain physical reserve, so there is no need to expect strong drops in price. Metals are long-term and reliable investments. Investments in metals are available to almost everyone who has a bank account.

Minuses

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

Compared to bank deposits investing in the stock market are considered significantly more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment. More voluminous in terms of money and types of companies is the foreign market, where even children know about shares. mainly based on shares. But in order to successfully invest in shares, it is not enough just to have money to deposit; you need to have a good understanding of business and be able to predict. For those who do not feel confident in these skills, trust management would be the best choice.

Where to reliably invest money - Bank deposits

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

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

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

Among the most reliable banks:

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

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

pros

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

Minuses

7-10% yield is not justified, since the inflation rate is exactly at this level. It's hard to call it an investment.

Where to invest money - mutual fund

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

There are several types of mutual funds

• Open type mutual fund— here you can freely buy or sell shares.
• Interval type pif— shares are sold only after a certain time.
• Closed type mutual fund— do not accept deposits from private investors. Typically, profits are paid at the end of the year.

A mutual fund can be considered as a trust management - you buy shares, and your money is managed by the company, as a result of which the prices of the shares rise. But as I already said, in 2018 the risks are high. If you decide to invest in some kind of mutual fund, you should not invest all your capital in them, but only some part. Mutual fund profitability ratings can be viewed on the following pages:

• //pif.investfunds.ru/ratings/
• //www.nlu.ru/pif-doxod-renking.htm

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

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

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

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

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

pros

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

Minuses

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

Art objects

One hundred percent return is not that uncommon in this free market. But only smart investors with good taste can sense what exactly may have the greatest investment potential.

250,000% per annum

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

Among contemporary artists, you should choose the most active ones, who regularly exhibit in galleries and are advertised in every way. Paintings by such artists can rise in price by 100-300% per year, while paintings by famous contemporary artists can be bought from 10-20 thousand dollars. It is worth saying that the main buyers of art are not amateurs and collectors, but financial market players.

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

pros

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

Minuses

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

Where to invest money on the Internet

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

Currency, bank deposit or real estate: where is the best way to invest your savings? AiF.ru found out from experts.

Tamara Kasyanova, Ph.D. Sc., First Vice-President of the Russian Club of Financial Directors

Today there are practically no low-risk investment instruments left that Russians could use.

Investments in foreign currencies, such as the dollar or euro, may not be a profitable investment against the backdrop of surges in energy prices. In order to make money on exchange rate differences, it is necessary to operate with much larger amounts than even the insurance amount for deposits in the amount of 1.4 million rubles. For example, if the Russian currency falls by 5 rubles, the benefit will be a little more than 100 thousand rubles.

At the same time, Russians are very reluctant to change old habits: people are used to investing money in parts in different currencies and precious metals.

Real estate also remains a popular investment format for preserving accumulated funds. Meanwhile, the category of citizens who have the opportunity to store money in real estate are unlikely to be “irresponsible” and lose their invested income.

Storing money in deposit accounts with the current inflation rate may be a futile exercise. Most likely, it will only be possible to achieve the preservation of their real value taking into account inflation.

It is likely that buying investment coins will be one of the few justified investments today.

Alena Afanasyeva, senior analyst at FOREX CLUB Group

There is no clear answer to the question “where is it more profitable to invest money?”, since everything depends on the investment horizon and the amount of funds.

If you have small savings that you may need in the near future, then it makes sense to consider either deposits with the possibility of early withdrawal or short-term investments in financial markets. In the first case, you will receive minimal profit, and in the second, your actions will be associated with certain risks of losing part of your funds, although if the outcome is favorable, the profit may be quite high.

Among financial instruments, precious metals may have growth prospects, and silver has even higher potential than gold. In addition, over the coming months, it is possible that the euro will strengthen against most currencies due to the current monetary policy of the ECB.

If we talk about long-term investments, here you can consider purchasing residential or commercial real estate, since prices have currently dropped significantly, and the growth potential in the next 2-3 years is quite high. However, there are disadvantages: large investment amounts, long term and low liquidity of such property. It is not a fact that if you need money, you will be able to quickly sell housing at the desired price.

In the longer term, shares of Russian companies and Russian indices have good potential. While our country remains a risk zone, most investors prefer to refrain from investing in local assets. However, as soon as the course is set to warm relations with the West, the economic environment will become more attractive for investment, which will entail an influx of capital and a logical increase in stock prices. The parallel strengthening of the ruble will only accelerate the process of appreciation of Russian assets. However, in this scenario there is too much uncertainty due to the geopolitical factor. In addition, the economy will need at least 2 years to demonstrate a full recovery from the current “bottom”.

Kirill Yakovenko, analyst ALOR BROKER

In the medium term (3-6 months), the optimal placement of available funds, in my opinion, will be the purchase of a block of shares in Russian companies. In May - July, the registers of shareholders of many issuers will be closed, and if you own their shares during this period, you can count on good dividend payments - up to 25%.

In the long term, it is better to transfer funds to professional asset managers, they are able to generate returns of 30-60% per year in both rising and falling markets. Now almost every brokerage company provides such services.

At the same time, there is no need to rush to invest in bank deposits and foreign currency in the near future, since against the backdrop of a strengthening ruble and lower deposit rates, they are unlikely to help outpace inflation.

Hello, dear readers!

Many people want and are ready to invest. But some of us are stopped by the lack of significant capital. Fortunately, small amounts can be successfully invested. This is exactly what today's article will be about. So, read on and find out where to invest a little money to make money.

I will say right away that there are indeed restrictions on the minimum investment size in many investment companies and projects. If we talk about large European brokers, the entry threshold, as a rule, starts at $10,000 or even more.

Why is this being done? Large companies simply do not want to waste time on servicing and supporting clients who bring in little income. In general, the usual Western prudence is manifested.

At one time, I encountered this myself. However, there were investment options. And over time, it became absolutely clear that even with a small amount you can start making good money from investments.

Trust management technologies

Secondly, never, under any circumstances, trade forex or binary options on your own. Barkers lure you with easy money. In fact, it is always a one-way ticket to losses. There are sad statistics: beginners lose on Forex in 99.7% of cases.

At the same time, there is a slightly smarter way to make money. You can invest in experienced managers who have proven themselves over time and are included in this 0.3% of successful traders. In essence, this is the same thing that is offered by the large European brokers mentioned at the top of the article.

Modern technologies for investing in Forex through managers are called PAMM and MAM. The adequate return on these instruments lies in the range of 20-100% per year.

PAMM accounts especially common in RuNet. Competition in the industry is fueling the fight for customers. As a result, there is now a large selection of successful managers and a number of convenient services for monitoring your investments. At the same time, the minimum amount for cooperation with one or another trader starts from $10-$100.

Projects

Also, I would note highly profitable projects. They are also called hypes. This is quite a risky tool.
Typically, the risk is covered by generous returns. Profits can amount to tens of percent, and not per year, but per month. The least risky tactic is to invest in a particular project for a period of one or two months, and then withdraw funds.

In conclusion, I note the need for comprehensive. Try to combine different tools. And then the risk will decrease, and the potential profitability will remain the same.

I would be grateful for your questions/opinions on where to invest a little money to earn money in comments.

I wish you all profitable investments!

12.02.2016 22.04.2016

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• • Method No. 10 - Bank deposit
  • Method No. 9 - Precious bank metals
  • Method No. 8 - Purchasing securities on stock exchanges
  • Method No. 7 - Trust management, mutual funds and PAMM accounts.
  • Method No. 6 - Investing in someone else's business project
  • Method number 5 - Open your own business
  • Method #4 - Creating and owning your own website
  • Method No. 3 - Investing in real estate
  • Method number 2 - Engage in short-term lending
  • Method No. 1 - Investment in children’s education or self-education
  • A dubious way to invest small money: from 1500 rubles
• 4. Conclusion

This article will discuss ways to invest small amounts of money, which, as a rule, are available to the most ordinary citizen of our country. There is a misconception that investing is the prerogative of rich people. This is a misconception; almost every Russian can invest small amounts of money.

The expression “money must work” has become quite popular and modern, especially on the Internet. However, it is worth noting that although this expression is popular, only a few people put it into practice. The reason is that most people face certain obstacles and do not know how to overcome them or do not want to deal with them

The fact that you want to invest presupposes the presence of a certain amount of free funds and the absence of debts on payment cards, loans, and so on. If you still owe money to someone, then it is better to postpone investing - existing instruments, as a rule, will not give you income exceeding the interest rates on bank loans.

Most common problem - the presence of medium and small savings, because they are so small that it is difficult to invest them in a worthy and profitable business project.

Therefore, the question arises - where can you invest a small amount? Before answering this and other questions, it is necessary to create a solid basis for saving money.

We decided to compile the top ten ways in which you can invest a small amount of money, while not only preserving your savings, but also increasing them.

1. Accumulation of invested capital

You need to start saving the minimum amount 10% from your monthly income, even if it’s a couple of hundred rubles at the beginning. The amount may be more than 10%, but not less.

Even “funny” money at first turns into decent amounts over time. To save money, review your expenses and give up various luxury items and other non-essential expenses.

It will be wrong to deprive yourself of everything - you will not be able to hold out long enough. Read more about how to save and save your money in . There we described 10 ways to save money, even if you have a small salary.

Saving money to start investing

A very correct decision There will be a transfer of part of the salary to various special piggy bank accounts (it may be worth opening a deposit), such services are often offered by modern banks. You don't see or have this money, so you're not tempted to spend it.

Also an important condition for normal investment work will be the presence of “NZ”. Those. money covering your six months of expenses, the so-called “rainy day reserve”.

Each person may face temporary difficulties, non-payment of wages, illness or job loss.

Once the initial capital has been accumulated, it is best to explore the question “Where to invest a small amount of money?”

Download the finished plan from Nikolai Mrochkovsky

The most effective real estate investment strategies of 2016

2. Where can you invest a small amount of money?

Before investing money, you should always start by increasing your own knowledge on the subject. Study the concepts and terms in financial markets, find out what analyzes are applied to securities (technical or fundamental), find reliable sources of information on the Internet (perhaps books, diaries of private investors) and constantly refer to them. (Cm.

Famous all over the world investor Warren Buffett I read over a hundred books on investing before I was 20.

3. Where to invest a small amount of money - 10 reliable ways

Let's look at the main ways you can invest a small amount of money, for example 500 thousand rubles. Let's start with the method that brings the lowest income.

Method No. 10 - Bank deposit

This type of investment is very familiar to everyone. However, he ranks only 10th position, the reason is too low income. Although the interest rate often seems tempting, the reality is completely different. The bank rate very rarely exceeds the inflation rate by 3-5%, sometimes not even reaching these figures. Accordingly, the illusion of income is created.

But despite all of the above, bank deposits have some significant advantages. Two of them can be particularly highlighted:

• All deposits in the Russian Federation are protected by the state deposit insurance program. Therefore, even in the event of a banking collapse, the state will compensate for your losses. However, it is worth considering that the sum insured does not exceed 1 4 00 000 rubles, this amount already includes interest.
• You save your time, and it is always worth a lot. All you have to do is bring the money to the bank and make a deposit, the financial institution will do the rest for you.

Method No. 9 - Precious bank metals

Small savings can be invested in precious banking metals. Often this includes silver and gold, in rare cases others are also found.

There are two ways to invest in precious metals:

• First, open an impersonal metal account (OMA).
• Secondly, purchase bullions of precious metals.

In the first case, the client does not “contact” directly with the metals, but in the second case, the client receives the ingots in his hands, using them as he sees fit. A significant advantage of purchasing bullion is that you can buy it in any weight, which in turn allows you to invest a small amount of money. Bar sizes start from 5 gram.

Method No. 8 - Purchasing securities on stock exchanges

The profitability from this type of investment is much higher when compared with bank deposits. But it is worth noting that acquiring such securities requires at least a little experience. Therefore, before taking on this type of investment, it is worth paying attention to at least minimal training.

And on top of everything else, an unstable situation on the stock market can contribute to the depreciation of shares of even very reliable enterprises.

Method No. 7 - Trust management, mutual funds and PAMM accounts.

This investment consists in the fact that the investor entrusts his funds to brokers, who combine the deposits of a large number of investors into one impressive portfolio, after which they use the invested funds at their own discretion.

Often these investments are used on stock exchanges and Forex. If we compare the purchase of securities and trust management, we can say that the second method is much more reliable, due to the fact that your funds are used by professionals.

Method No. 6 - Investing in someone else's business project

Considering that we are discussing where to invest small amounts, this option is suitable for investing in small business projects.

However, a logical question arises: what will happen if the business project “ will burn out“or something will not go as planned?

In this case, it all depends on how exactly the documents were drawn up. Basically, a “burnt out” businessman returns the money spent to the investor over time.

This may take from several months to several years. But it is worth remembering that the risks of losing everything are quite high. The reason lies in the fact that investor And entrepreneur, very often united by friendly or family ties.

Method number 5 - Open your own business

Although we can say that this is the most difficult option where you can invest small funds, but at the same time it is also the most interesting investment. In this case, the risk of losing savings is very high, but if successful, the novice businessman will be fully rewarded.

It is worth noting that owning a business will take a lot of effort and time from a novice investor. However, if you were unable to get your own business off the ground, the experience gained in running your own business will not be in vain. (We recommend reading -? Business ideas from scratch or without investment)

Method #4 - Creating and owning your own website

In a sense, this position is similar to the previous one. Your own website does not require a lot of investment. All you need is:

• invest in creating a website,
• pay for initial promotion (website promotion (SEO)),
• open a WebMoney wallet,
• register yourself as an individual entrepreneur.

However, it is worth considering that although all of the above will not require much money, you will have to devote more than enough time to this project.

See how to How to easily distinguish real ways to make money on the Internet without cheating from fraudulent schemes

Step-by-step plan from Andrey Merkulov

Dozens of ways to make money on the Internet in a variety of areas

Method No. 3 - Investing in real estate

During the period of the ruble collapse, square meters become much more affordable. However, this investment instrument requires a professional approach.

Watch the video from real estate and finance expert Nikolai Mrochkovsky

Download the step-by-step plan from Nikolai Mrochkovsky

The most effective real estate investing strategies of 2016

It is also advisable to carry out investment activities with real estate at the very peak of the crisis. Only a pro can determine the very bottom. Enlist the support of such a person in your environment. In this case, you can ensure yourself the likelihood of the most profitable purchase.

Method number 2 - Engage in short-term lending

If the 8 methods described above are not suitable, or you have not yet made the final decision on where exactly to invest a small amount of your funds, then you can lend your savings to friends. But at the same time, it is worth considering that if you lend, even to your friends, at interest, you are breaking the law of the Russian Federation.

It is worth especially noting the WebMoney credit exchange. Using this platform, you can issue a loan without breaking any laws.

The main direction on this platform is short term loans. The rates on such loans are quite good, but there is no guarantee of repayment.

Method No. 1 - Investment in children’s education or self-education

One of the best investments where you can invest a small amount is self-education .

Investment in education always remains the most relevant and in demand. The reason is that neither age, nor profession, nor place of residence will hinder you. You will always have the opportunity to improve your skills or learn a new profession.

But it’s worth remembering that it’s best to get a diploma that you can apply in reality. When choosing a new profession, you should also take into account your attitude towards it, since it is always better to do what you are passionate about.

It is impossible not to mention investing in the education of your own children, which is also the most profitable and long-lasting investment.

Questionable method invest small money: from 1500 rubles

There are many different projects on the Internet that offer to invest money at high interest rates. We recommend that you treat such projects (hype, various “multipliers” of wallets, etc.) with caution and not trust them. Your task is where to invest and earn money, and not lose it. Therefore, make sure that the project (type of investment) is reliable and only then trust your money. We described one example of an incomprehensible method below.

Here is the text of a method that provides high income from investing. The essence and purpose of almost all of them is the same; they all work on the principle of a financial pyramid.

“Define for yourself an acceptable commission level for investment intermediaries. It could be 2% , and maybe 5% in some cases. Add the commission amount to the amount you plan to invest - this will be your initial investment amount.

If you carefully consider your options, you can find companies that will place your investments even without commissions.

Pay attention to hidden fees and read purchase agreements carefully. It is best to choose not only commission-free options, but also those that offer discounts for reinvesting the profits. This discount can reach 5%.

The main difference between these two instruments is that DRIP requires you to own at least 1 share of the issuing company, so for new investors, DSP is more likely to be used.

You also need to constantly look for new funds with a low entry threshold for investment. They usually use an automatic investment plan and withdraw a certain amount from your personal account for deposits automatically. This is a fairly simple and inexpensive way to create your own stock portfolio.”

4. Conclusion

Let’s summarize the question: “where to invest a small amount of money?” Even if you have 500 $ , you can take advantage of all popular investment methods.

But in this case, we recommend that you pay attention to investing in mutual funds and mutual funds. stock and foreign exchange market. pay attention to index funds, which operate in the “broad” market. The return on such investments will be about 10% per annum. By choosing a specific fund, you will be able to invest funds in the future without additional commissions.

Don't rely on short-term price changes. This is a path to losing your invested funds.

Only an experienced investor can afford to invest significant funds in the securities of a certain company, while having a lot of other shares and investment deposits to diversify possible risks.

Option opening a deposit involves a stable method of savings; due to the minimal risks of this type of investment, it is popular with many investors. Moreover, the state provides guarantees and compensates your deposits in the event of bank bankruptcy.

Small banks, in order to attract funds for deposits, often give a higher and more favorable interest rate on payments for the client. We also recommend reading the article on this topic - - expert advice

Now that you know where it is better to invest a small amount of money, you can start your small investment activity and make money. This is much more profitable than storing money at home under the mattress.

Either way, keep your money at home under your pillow or in a savings bank. That's all! Today there are a lot of ways to invest your hard-earned money: from traditional bank deposits to innovative blockchains. It's eye-opening, isn't it? Find out from this article where to invest money to receive monthly income, and capital will find you.

Preface: what does a novice investor need to understand?

Please note that we do not use the word “know”, because it is impossible to know everything in the world, and in general there is Google-Yandex-Wikipedia for this. But you need to understand the key concepts. If only because the tips given in the article on how to invest money so that it works for you are based on the experience of serious investors and financiers. Plus, you need to constantly read the news, because the economy changes, like the weather over Bermuda, and in order not to get sucked in, you need to be up to date.

Valuable advice: Determine the risks for yourself, that is, what you are willing to sacrifice and how far to go in order to have a profit, and so that the profit does not have you.

5 rules of investment

These are the golden rules, that is, tested to pinpoint precision.

Don't forget about them:

• The straw needs to be laid down.
  You should have a reserve for a rainy day. How much to save? Experts believe that a good “mattress” will be an amount that could cover your expenses for six months. Let's say you earn a thousand dollars a month - you need to have six in your stash! The question arises: where can we get them, these “drafts”? learn to save and save money. If you can’t control your income enough to be able to save, it’s too early for you to invest.
• Learn to diversify, gentlemen!
  With this complex term we want to explain something simple: don’t put all your eggs in one basket. Distribute your 100% capital across several channels, and it’s even better that these channels don’t touch each other. For example, if you bought shares in an oil company, then it is better not to put it in a bank associated with it. Forget even dollars: invest it somewhere that does not depend on oil. An excellent alternative is environmental energy sources.
• Calculate how failure will turn out
  It’s sad to think about a losing option, but believe me, this is not pessimism, but pure calculation. What happens if the bank where you have a deposit goes bust?

  Valuable advice: start investing with an amount that you wouldn’t mind losing if something happens.

  When it doubles itself, you can add another source and even increase the risk category.

• Share and Receive
  It is very difficult to be a solo investor. So try to be part of a team, attracting co-investors, working with coaches, going to seminars. Thus, you exchange experience with others and reduce the risk of mistakes. By the way, the risks in mutual investment are distributed among several people.
• Passive income is required
  Playing on the stock exchange, investing in dubious but fast-growing cryptocurrencies is wonderful, this is youth! But you should always have a passive source of income. To put it simply, combine this rule with the first. Make a bank deposit with interest and save that interest for a rainy day.

How much can I start investing with?

Theoretically, at least from 100 rubles! The question is how soon the income you receive will begin to satisfy you. Try to accumulate at least a four-digit reserve and start investing from that amount.

TOP 10 most profitable ways to invest money

And now we come to the main course. Remember that this article is one big piece of advice on how to invest money to get monthly profits. We are not talking about fly-by-night projects, unethical projects and illegal ways to get rich quick. Only legal and only proven ways!

No. 1. Invest money in the bank

A scheme that has been tested for generations - and it has a big “but!” Namely, low return on capital. How much do banks promise for deposits in national currency? What is the inflation rate in the country? The same thing: this investment rarely justifies itself as a source of income. But it helps to preserve the value equivalent of capital.

Valuable advice: if you need to “hold over” an amount not exceeding 1,400,000 rubles, feel free to put it in the bank. In case of bankruptcy, according to the law, all your money will be returned to you.

By the way, in Russia Sberbank inspires the most trust - not surprisingly, it is the bank with the largest share of state assets.

1. Your money is insured;
2. You can remove them at any time by terminating the contract;
3. You can start even with a deposit of 1000 rubles.
4. Income barely keeps up with inflation;
5. If you withdraw your money early, you likely won't receive interest for the year.

No. 2. Stocks and bonds

They differ from deposits in a higher level of profitability, because the risks are already higher.

Stock - This perpetual certificates of equity participation in the capital of companies. Bonds are confirmation of loans, that is, you provided a certain amount of money for a certain period, and upon its expiration the amount will be returned to you with interest.

The difference between the former is that dividends, that is, income from them, can be received throughout your entire life.
If you have no time to monitor the price of securities, you can entrust transactions to a broker. This is an intermediary who will conduct trading on the exchange on your behalf and take a certain commission for this.

• You can buy from 1 stock or bond;
• The yield is higher on securities than on deposits;
• You become a co-manager of the company whose shares you hold. This may sound funny in relation to the holders of a couple of Gazprom shares, but according to the law it is so;
• You can invest in several different companies, thereby expanding your risks;
• You must either constantly monitor the securities market or pay a commission to the broker;
• The risks are greater, which means there is also a chance of making a loss if the stock price falls.

No. 3. Buy and sell foreign currency

If we recall from the theory of microeconomics that there are three types of investments - short-term, medium-term and long-term, then transactions with currency almost always belong to the first type, sometimes to the second. Because once you buy dollars, you will hold your breath and watch the exchange rate: as soon as it reaches its peak, you will sell some of the money, right? In addition, if you “overexpose” it, then within a few years inflation will eat up part of your money.

Valuable advice: abandoning the relics of the past - money changers and exchange stalls on the street, make your assets electronic and trade on online exchanges. For example, in Forex.

1. The initial capital may also be small;
2. There are a large variety of currencies, which again helps to diversify risks.
3. Beginners in Forex are not always lucky, on the contrary: about 80% fail with their initial investment;
4. It is necessary to study the principles of fluctuations in the foreign exchange market and take into account many factors;
5. You also need to monitor the state of the exchange rate daily.

No. 4. To buy an apartment

This is a good investment in the future, because no matter what happens, inflation will not eat the roof over your head. In addition, by investing money during the construction stage, you will save a lot on the price per square meter. The main “But!” in this case, the starting capital is high: after all, no one will sell an apartment for $100, even in the outback.

Valuable advice: Research mortgage financing programs in your community.

Perhaps you will buy the property you are interested in by paying only 30% of the price and will be able to pay off the mortgage over the next years from your income. But then it is better to rent it out as an office or as a residential property, in order to be an investor and not a slave to payments.

1. Stability and safety of capital;
2. Opportunity to earn money from rentals;
3. Possibility to resell at a higher price in the future.
4. Large start-up capital is required;
5. Low liquidity means that the sale of the asset will take some time;
6. It is necessary to periodically repair, in this case it means increasing capital.

No. 5. Open an individual entrepreneur

Only those who are passionate about the idea and who are ready to take responsibility for their decisions will succeed in becoming a businessman.

In general, this path involves a lot of worries:

• Calculation and composition of a business plan;
• Assessment of risks and competition in this area;
• Calculation of payback periods;
• Selection of premises for rent and equipment if necessary;
• Personnel search.

The most important advantage: you are your own boss. If you want, attract co-investors, if you want, take out a loan to finance your business, fortunately, in our time this is not a problem. However, the risks of losing more than you earn are always high.

No. 6. Investments in gold and precious metals

We are talking about that eternal and liquid material that always attracts with its brilliance. There has never been a time when an investment in gold did not pay for itself over the years or, at least, did not allow one to preserve capital. The price of silver, gold, platinum, palladium will only increase, because their reserves are decreasing. How can you invest in precious metals?

1. When buying bullion, however, you will have to pay an 18% tax - so it is profitable to invest in this form for many years;
2. Purchasing coins for which you do not have to pay tax, and in addition to jewelry value, they can have numismatic value;
3. Opening an account in metal. Yes, this is also possible - you don’t need to literally buy a bar or coin, you just need to transfer the invested amount into virtual grams;
4. Investments in securities of ore mining companies. Again, it’s risky and you don’t know when it will pay off.

No. 7. Invest in art

If you have a taste, or perhaps more correctly, a “sniff” for what is called a work of art, you are in luck. Because if you invest successfully, you will become rich. True, not immediately - maybe even after the death of the author or her own. Because this investment is considered long-term.
But if you want to get rich even before moving to another world, pay attention to antiques. That is, those whose age exceeds 50 years and which carry exchange value. Here you need to have an impressive amount, because no one will offer a 13th century Bible for a couple of thousand rubles.

No. 8. Become a franchisee

Why promote your business while spinning like a squirrel in a wheel? If you can buy the right to sell from a well-known global company. Yes, you will also have to be active here, but you will start from a prepared springboard.

The advantages of franchising will be the following:

• Fast payback period;
• No advertising costs;
• Training and support of a businessman by experienced gurus;
• Low level of competition, since the franchise plan provides for a competent distribution of franchisees.

Here you will not have as much freedom as when opening your own business, and you will have to follow a clear algorithm. So this type of investment is for those who DO NOT like to take too much risk.

No. 9. Stock trading and binary options

Predicting the value of assets over time is the essence of binary options.

It's like throwing a coin into the future: if it comes up heads or profit, you will receive a profit of up to 80% of the bet. If you get heads or a loss, you will lose your entire bet. True, binary options differ from roulette in that you need to carefully study the theory in advance.

No. 10. Internet projects

As in the previous case, here you can earn and invest without leaving your home. Well, or at least keeping a laptop with the Internet at hand.

You can invest in the following Internet projects:

1. Startups raising funds to complete a project. By the way, popular ICO companies for blockchains are the same way of investing;
2. Create and promote your own website. You can earn money both from selling products and from displaying advertising;
3. Investing in profitable investment projects.

Let's talk about banks...

Returning to the most reliable source of investment - bank deposits, we ask: which banks can you trust? We left aside the already famous Sberbank of Russia and identified 5 other best ones according to depositors.

1. Tinkoff Bank

We can safely call this bank a Russian economic miracle. Until now, not a single branch has been opened; depositors are served online. Here are the most tempting conditions for deposits from 50,000 rubles: at a rate of 7% per annum. You can transfer interest to the card or leave it in the account, capitalizing it further.

2. Sovcombank

This institute has been registered since 1990 and since then has suffered virtually no crises. Deposits from 30,000 rubles, interest 7.6 per annum. You can even terminate the contract early, receiving interest for 3 or 6 months.

3. UniCredit

A bank with a solid foundation in Europe, operating in the Russian Federation for more than 25 years. It is considered the largest Russian bank with foreign capital. Deposit rates are up to 8.35% per annum in rubles and up to 3.23% in dollars. Interest can be withdrawn monthly or left, capitalizing it.

4. Ural Bank for Reconstruction and Development (UBRD)

The largest institute in the central part of the country, it has more than one and a half thousand branches in the Russian Federation. Rates in rubles can reach 11% per annum, interest is accrued not monthly, but once every 50 days. You can get the highest rate by opening a deposit online (using online banking is free).

5. Absolut Bank

Operating in the country's market since 1993. It offers deposits at a rate of up to 8.5% from 30,000 rubles, in general the conditions are the same as in Sovcombank, you can top up your account, but early termination is not provided. This means that if you want to return the deposit, you will not be paid interest.

Are you taking risks? 5 ways to invest money profitably

It has been proven that the most profitable investments come with a high degree of risk. And usually we are talking about contributions to new projects, technologies, and research. What will be a hit in the investment market in 2019?

Startups

It has been at the top of the rankings for many years now. The Internet offers thousands of young ideas ready to be implemented at your expense. Some are ready to increase your capital over the next few years, others may turn out to be unprofitable. Therefore, before investing in a startup, you need to carefully study its essence and conduct a risk analysis. Specialized sites offering such projects for investment must provide analysis data free of charge.

Private lending

The savings method is as old as the world: you provide a loan to a specific person or organization, and after a while you receive the money back with interest. Based on the simplification of loans in electronic format, many microcredit organizations have formed in Russia. You can become a co-founder of one of these. The high risk is that no one guarantees the borrower’s honesty and that the money will be returned on time.

PAMM accounts

Investments in stock and foreign exchange funds, implying the transfer of account management to specialists. Your broker or manager will make transactions on your behalf, put accumulated interest into circulation, in a word, do everything to increase the capital in the account. It all depends on how well you choose the manager. Of course, you need to understand something about PAMM accounts yourself.

Mutual funds or mutual funds

You and several other investors collectively own the investment, your share is called a “share.” The difference from “dead” deposits is that shares are traded on the market, just like shares.

Mutual funds are:

1. Open, from which you can exit at any time with your capital;
2. Interval, allowing you to exit only during certain periods of time;
3. Closed ones, which, like deposits, have a working life - you can exit only after it expires.

Profits from mutual funds can reach 50% per annum, although taking into account all the risks and price drops, the real figure is about 20%. Who guarantees high profitability from such projects? The manager himself, whose earnings depend on the profitability of the mutual fund. In any case, this type of investment is recommended as a long-term one.

Blockchains

With the advent of decentralized ecosystems that confirm transactions based on