Where to invest money this year: tips

Good afternoon, dear investors. 2016 is approaching, which means it’s time to calculate profits on existing investments and look for new ways to make money in the financial markets. After all, only those who regularly monitor new products and do not get hung up on one thing can claim to receive maximum profit from investments.

Specialists from the School of Investments took up the issue of how to increase money in 2016, and now we bring to your attention a selection of current options.

I’ll say right away that there will be several ways to invest money, and each of them is good in its own way. By choosing any of the options presented below, you will not go wrong, and then see what your soul is more inclined to.

Government bonds

Stock

An ageless classic, an asset that will never lose relevance. The list of options for where to invest money in 2016 in the stock market is wider than ever.

Moreover, it is gratifying to say that Russian shares are not in last place in terms of attractiveness. Even the reputable agency Citi Research included several domestic companies in the list of the most promising assets.

When talking about investing in stocks, it is difficult to single out just one thing, because... There are millions of ways to make money on the stock market; in addition to shares directly, there are other auxiliary tools. Our website is dedicated to investing in them.

Therefore, I’ll just say that by investing in stocks, you can make a profit, the size of which, in general, is not limited. You can receive either 20% per year or 520%. The main thing is to choose the right assets.

And, if you do not yet have the experience to choose an asset yourself, I recommend that you contact the excellent company Zerich, which provides a full range of services for investing in shares, including personal consultations, assistance in choosing an asset, opening an investment account and transferring profits using the specified details.

And finally, to summarize our excursion, I will mention another promising asset, also classified as domestic. It belongs to derivative investment instruments and is called "". It brings together 50 of the largest Russian companies, which makes it a reliable, profitable and low-volatility means of increasing capital.

That's basically it. If you have any questions, or if any of the options above are of particular interest to you, leave a comment and receive detailed information on it. Until next time.

Best regards, Nikita Mikhailov

When a year ago we wrote the article “Where to invest money in 2015,” we, of course, assumed that the economic situation would be difficult. However, it turned out to be even heavier than many experts expected. Despite this, we will try to give another forecast for the next year, 2016.

In December, the number of people asking themselves how to save money in 2016 will likely be fewer than those who asked the same question a year ago. And precisely because there was actually less money. But still, they exist, just as there are tools that will help, if not get significant income, then at least not lose what you have.

Bank deposit

And again, like last year, we place a bank deposit in first place among all answers to the question of where to store money in 2016. There are two explanations for this:

• bank deposit is the safest way to invest
• bank deposit is the most accessible way to invest

Agree, in order to take money to the bank, you do not need to have the knowledge of an advanced economist and the reserves of Roman Abramovich. If you have accumulated 10-20-30 thousand rubles, you can already open a deposit. And if you consider that a significant part of banks allow you to open a deposit in Internet banking, then the task is completely simplified. The main thing is to make the right choice.

But this is more difficult. TOP 10 banks offer deposits at the level of 7-10% per annum. This is frankly not enough, considering that according to forecasts, real inflation in Russia in 2015 will be 10-12.5%, and in the future, according to the most optimistic data, 7-8%. That is, by investing money in a large bank, you will only just “catch up” with inflation. Although we will give it its due: in December, at the peak of the panic, many banks offered deposits at 15.18 and even 20% per annum. True, for a fairly short period (on average, a year), and without the possibility of replenishment. Today banks do not have such a need.

So, the TOP 10 banks are only suitable if you just want to save money adjusted for inflation. This year, market leaders have seriously increased liquidity and do not need expensive deposits from “physicists”.

But we cannot say the same about medium-sized banks (around 50-150 in the ranking by assets). After the revocation of Probusinessbank’s license, no one feels protected today; the revocation of licenses will continue (more than 80 banks have lost their licenses this year). Banks within the specified range do offer more “tasty” deposits, but another problem is mixed in here: the danger of license revocation. Yes, if you invested up to 1.4 million rubles, then your deposits will be returned to you, but the prospect of being nervous and waiting for a return is not encouraging.

So, if you just need to save money in 2016, then go to a large bank. If you need to save and earn money taking into account the risk, then we go to the middle one. If you want to earn more and are willing to take serious risks, then go to a small bank.

Consumer cooperative

Unlike banks, the activities of consumer cooperatives are not so strictly regulated and therefore they can afford greater risk. Accordingly, this is reflected in deposit rates. Today it is quite possible to buy a share in a cooperative with a yield of 18, 20, or even 25% per annum, which is significantly higher than what banks offer and allows you to really make money.

However, if you are seriously considering a co-op as the answer to the question “where to invest your money in 2016,” then be prepared to take on more risk. Deposits in cooperatives are not insured by the state, like in banks. The insurance that the employees of these institutions tell you about has nothing to do with the deposit insurance agency. Accordingly, no one will guarantee payment of up to 1.4 million rubles to you.

If you want to invest money in a consumer cooperative, carefully study its activities and especially its history. If it is more than two or three years, then this is already a guarantee that the cooperative will not disappear tomorrow or the day after tomorrow. And in any case, prepare for greater risk than in the case of a bank. If risk doesn’t scare you, and the organization is chosen correctly, then a cooperative is perhaps one of the ideal ways to invest in 2016.

Real Estate Investments

When talking about where to store money in 2016, one cannot fail to mention real estate. After all, Darkness Twain said “Buy land, this product is no longer produced.” Real estate (both land and apartments) is a really good way to invest, but with one drawback: it is an investment for the long term. In our case, this is at least 3 years, but in reality 5 years, which will be required for the market, firstly, to stop falling, and secondly, to start growing.

Why is it profitable to buy real estate now? Yes, because the demand for it has dropped significantly, and in 2015-2016. It is planned to bring large facilities laid out in 2012-2014 to the market. Developers have nowhere to go - they need to get at least part of the profit. Therefore, prices for new buildings have decreased significantly (by 10-15 percent or more). Prices for secondary housing have fallen even more: the purchase of new housing is stimulated by a government program, but there is no analogue program for secondary housing.

There is another major disadvantage to investing in real estate: you don’t know what will happen to this house and its surroundings in 3-5 years. Utility problems may begin in the house (the foundation will float, cracks will appear, alcoholic neighbors will appear), another new building may grow next to the house, which will block the luxurious view of the river (lake, forest). Finally, a successful city will lose its investment attractiveness, and with it the influx of migrants.

Well, let's be honest: buying real estate is a major investment. The conversation is about at least one and a half million rubles, which is enough for a one-room apartment. And you will have to forget about this money for several years, since according to experts, the housing market will hit rock bottom in 2017-2018, and will only begin to grow slightly in 2019. Of course, you can simply invest money in land by purchasing a plot, but this is an even riskier investment. Therefore, if you have at least one and a half million rubles, you know for sure that you will not need them in the next 3-5 years, and you can imagine what will happen to this house and the surrounding area, then feel free to invest. Sooner or later the housing market will go up. Simply because it cannot be otherwise.

Investments in currency

At the end of last year, any average Russian, in response to the question of where to invest money in 2015, would answer without hesitation: “Of course, in foreign currency.” And the situation with jumps in dollar and euro exchange rates in mid-December clearly indicated this. However, the reality of this year turned out to be much less obvious. As of January 1, the US dollar was worth 56 rubles, the euro – 68 rubles. In mid-November of this year, the cost of the US dollar was 64.7 (+13.3%), the cost of the euro was 69 rubles (+1.5%). In other words, people who invested in foreign currency either slightly outperformed inflation or lost significantly. At the same time, even those who were winners experienced doubts every day, observing exchange rate fluctuations, and the income turned out to be comparable to a bank deposit.

In what currency should you keep your money in 2016? We assume in the one in which you are going to spend them.

If you are planning a trip to Europe, keep the euro, if the immediate future is Russia, then, of course, rubles...

In our opinion, we should not expect significant changes in the exchange rates of leading currencies in 2016. Both a slight strengthening and weakening of the ruble are possible. Therefore, this method of investment is only savings. As for other currencies, you need to be even more careful with them. An example is the Chinese yuan, which, although it showed an appreciation of around 10%, made investors seriously nervous.

Investments in antiques

We can't say that the best solution for where to keep your money in 2016 is investing in antiques. Moreover, there is no particular difference compared to the situation at the end of last year. Yes, antiques will definitely bring profit to their investors, but after years. And here the period is not even 3-5 years, but much longer. Finally, to buy antique paintings, statues, furniture, coins, books, etc., you need to have an excellent understanding of them. As a result: if you don’t understand anything about antiques, it’s better not to buy them.

Investments in the stock market

Here it is very short: if you don’t understand. Don't invest. Yes, the general drop in production does not mean that everything is falling everywhere. Now new centers of growth are forming in the domestic economy: high technologies, the chemical industry, certain branches of mechanical engineering and even woodworking are making good progress, which would seem to be completely unique. But in order to seriously play in the market and make a profit, you need to spend at least half an hour on it every day and have the appropriate qualifications. If you just want to buy Gazprom or VTB shares and wait, then this, of course, is a good investment option, but definitely for a period of 2-3 years.

Investments in precious metals

Although they say that gold is the best investment, in today’s situation it is far from the most profitable investment instrument. Let's take a look at the picture. At the peak of the panic in mid-December, the price of gold reached 3,100 rubles per gram. Then the picture calmed down and the price began to fall - to 2,000 rubles per gram in May. Then, however, there was an August growth, when the yellow metal regained 500 - 550 rubles, but rolled back again in the fall. As a result, we have 2300-2400 rubles per gram. Silver, which costs significantly less, generally repeated the somersaults of the “senior comrade.” As a result, those who bought metal in December-January are now in a clear disadvantage. And their mood may be even worse, since the medium-term forecast gives either a decrease or preservation of the current value.

We conclude: precious metals are not the best solution to the question of where to store money in 2016.

As a result, when solving the problem of where to store money in 2016, we have a bleak picture.

• If you want quick profits, it is better to go to the stock market or invest in a consumer cooperative.
• If quick profit is not important, and the main thing is to preserve capital, then both a bank deposit and the purchase of real estate will do.
• And finally, if you are not a professional, but want to invest money somewhere, we recommend avoiding the currency and stock markets, as well as antiques.

Hello! Today I would like to give some recommendations on how to where to invest money in 2016. When I started looking for what was written about this on the Internet, I noticed that many simply listed popular investment methods without bothering with the question. How relevant will this be in 2016? That is, instead of answering the question “Where to invest money in 2016?” , I found mostly answers to the question , and 2016 was mentioned only in the title. I got the impression that some comrades publish the same universal recommendations from year to year, only changing the year in the title. As said Carlson, — “Well, I don’t play like that!”

However, I also came across specific ideas, and I decided to summarize the most sensible ones, in my opinion, in this article.

So, What economic conditions does 2016 bring us? We can assume that 2016 will not be much different from 2015. It is likely that in the first half of the year the ruble will strengthen slightly, because our national currency over the past years has tended to strengthen in the first half of the year. Usually the best period for the ruble is the period from February to June. But we should not forget that the ruble is still depreciating much faster than the same dollars or Euro. So the following strategy may make sense − sale of currency in early February, followed by its purchase at the end of May.

In general, try diversify your savings across currencies. For example, 80% keep savings in foreign currency (in dollars, euros, francs, pounds, yuan, yen, etc.), A 20% - in rubles. During from February to June I recommend increasing the percentage of ruble assets (for how long - depend on the situation).

Let's take a look now various investment instruments And their relevance in 2016. Let's start with the most attractive options.

The best investment options in 2016

Investments in the Chinese economy

Recently, November 30, 2015, IMF Executive Committee decided to include Chinese yuan included in the basket of world reserve currencies. And with October 1, 2016 CNY will officially become a reserve currency. By the way, about this for now few people know– this event is not widely discussed in the world. Although this event is of great significance, especially for investors.

And what does this all mean? And this means that yuan and at Chinese securities available now huge potential for growth. And now there is a chance to be one of the first to jump into this investment rocket of the Chinese economy and enjoy the flight to the fullest!

So I recommend turning your attention to the yuan and Chinese securities. For example, he offers to buy China equity ETF (ticker: FXCN). You can also consider investing in relevant Mutual funds (although ETFs will still be more profitable).

Gold

It could be a good option for long-term investment. Although many predict a fall in the price of gold next year to $750-$950 per ounce, we still need to admit that gold is now clearly undervalued. And this means that A global trend reversal is about to occur. This is also supported by the pattern that when all analysts agree and speak with confidence about the continuation of the trend, the trend reverses. This does not mean that the trend will reverse in 2016. But gold is a long-term asset you can wait.

Another thing that speaks in favor of gold is the fact that the world is now on the verge of third world war (one might even believe that it is already underway). And in conditions when instability and crisis reign all around, capital begins to flow into "safe haven", which is gold.

Therefore, the recommendation is as follows - hold until 20% capital in gold and buy more if it becomes cheaper. Gold has now very good potential for growth and when the trend reverses, this potential will be fully realized. Again, taking into account the possible strengthening ruble in the first half of the year, from the beginning of the year it is better to focus on ruble assets, gradually reducing their share until the summer, while increasing the share of gold.

Acceptable investment options in 2016

Russian securities

I believe that investing in Russian And can bring good profits in 2016, since over the past years their value has not increased significantly and, accordingly, good potential for growth has accumulated. Moreover, since 2015 in Russia and there was an opportunity to invest through - and this is an additional bonus. Depending on your risk appetite, you should focus either on (low risk and low return), on either (high risk and high return).

By the way, in 2016 Central Bank plans to release Federal Loan Bonds, nominated in yuan. Buying such bonds is another good way to invest in Chinese economy, and at the same time in Russian economy. And at the same time, you can receive bonuses based on.

By the way, invest in gold ETF or in China stock ETF also possible via . The brokerage company additionally charges 5.5% (at the time of writing) in rubles for the account balance.

Bank deposits

The simplest and one of the most reliable investment options in 2016. True, it is not a fact that the return on investing money in a bank will cover inflation.

Make bank deposits better at the beginning of the year and for a long time, because Central Bank took a course towards reducing the rate, which suggests that deposit rates will decline. The next rate cut may already happen January 29, 2016.

On the other hand, I very much doubt that the rate will be significantly reduced during 2016. Most likely, the decrease will be insignificant.

Questionable options that you can still pay attention to

PAMM accounts

There was a lot of talk about how January 1, 2016 Forex V Russia will finally die. In the form in which we are accustomed to seeing it, it is quite possible. After all, with 1st of January comes into full force Forex law , and the activities of any brokers who have not received a license Central Bank, will be prohibited. At the moment, only the license has been received Finam Forex LLC. Also, 3 more brokers who have submitted applications are under consideration (, Forex Club and Tele Trade together with Profit Group). Brokers requested a delay in the entry into force of the law for another year, and Central Bank I wasn’t even against it, but the legislators decided not to give delays. It turned out that market participants themselves initiated the creation of the law, but their expectations did not coincide with how they see market regulation Forex legislators.

In general, after the scam Forex Trend And Pantheon Finance V late 2014 – early 2015, people began to lose interest in PAMM accounts, since it turned out that they could not provide the profitability they projected FT And PF. And then there’s the new law – it’s unclear how it will work in practice and what it actually brings to us.

All in all, complete misunderstandings. Therefore I would recommend postpone investments in PAMM accounts until the law settles down. Perhaps this instrument will disappear altogether, or access to the mass investor will be limited, or something else will happen. Wait and see. But even if everything remains as it is now - I would not recommend investing more than 15% portfolio. Still, this is a rather risky investment instrument.

Hype

This is a rather dubious and high-risk instrument, however, it can bring good profits with the right approach and a certain amount of luck.

If you are one of those investors who like to take risks, welcome to! Remember that in such projects, those who entered the project at an early stage and those who actively invite new participants have the opportunity to win. Therefore, if you invest in such projects, you need to look for new and promising ones, and after joining the project, actively agitate the people. But remember that bills against financial pyramids are already being passed, which means such activity (including campaigning) will soon be outlawed and some problems may arise. So decide for yourself.

Bad Investment Options in 2016

Real estate

Real estate prices continue to decline. Some analysts predict this decline could continue. up to 2020. Population incomes are falling and, accordingly, demand for housing is falling. So Nowadays, buying real estate is not the best investment.

Conclusion

Summarize. In 2016 I recommend paying attention primarily to the following investment areas: China , gold , and, to a lesser extent, Russian securities . It is advisable to purchase all this through in order to receive an additional bonus. Don't forget about bank deposits . This is a simple and reliable way to, if not increase, then at least save your savings from inflation. But to such investment instruments as hype And PAMM accounts I recommend that you treat it with caution, and if you invest money there, then only a small part of your portfolio, which you are willing to risk without fear of losing this money. Well, what about the purchase? real estate for investment purposes it is better to postpone it for now (presumably for 3-5 years).

Happy investing in the coming year!

• • 1. Bank deposit - which bank is better to put money at interest?
  • 2. Purchasing real estate (editor's choice)
  • 3. Investing in mutual funds
  • 4. P2P lending
  • 5. “All or nothing” - binary options
  • 6. Investing in someone else's business
  • 7. Investing money in your own business
  • 8. Investing in precious metals
  • 9. The magical power of art
  • 10. Investing in venture funds
  • 11. Investing in cryptocurrency
  • 12. Investing in phone applications (iOS, Android)
  • 13. Investing in groups, public pages on social networks
  • 14. Purchase of a payment terminal
  • 15. Investing in yourself
• • Method number 1. Purchase of shares
  • Method number 2. Microcredit in Webmoney
  • Method No. 3. Investment in web projects (sites, portals, services, etc.)
  • Method number 4. Investing in PAMM accounts
  • Method No. 5. Earning money from dachas and summer cottages (editor's choice)
• • Expert tip #1. Deposit in a commercial bank
  • Expert tip #2. Investing money in real estate
  • Expert tip #3. Currency investments
  • Expert tip #4. Investing in your own online business
• 4. Where it is better not to invest money - recommendations
• 5. Conclusion

Economists' forecasts for 2019 (most likely the 20th year too) are becoming less and less reassuring. The catastrophic collapse of the ruble, irrational jumps in lending rates in banks, the tense atmosphere on the stock market - all this gloomy news leads to serious reflection by every Russian.

Everyone is thinking about the same thing: how to avoid annoying financial losses, what and where to invest their money in order to earn, save, or at least not lose, in order to receive a monthly income and so that the wave of financial cataclysm does not completely absorb the money, as well as what purchases should I avoid today, etc.?

But first you still need to charge optimism . Just think about the fact that, unlike millions of other people, you currently have free capital. This means that you did everything correctly before and you have a chance to come out of this situation well. Main– choose the most profitable investment instruments.

What if you want to invest money and make money, but you don’t have any money. For this purpose, we wrote an article - where we also described what to do if banks and microloans refuse to give you money.

Read below about ways to invest money in order to save and increase it. There you will also find expert advice on where to invest money during and after the crisis.

1. Where to invest money so as not to lose - 15 ways to save capital

Each of the methods of investment described below is characterized by a greater or lesser share of risks. And at the same time, under favorable conditions, each of them is able to provide liquidity and profitability to your capital.

Let's take a closer look at financial instruments and their capabilities, what you can invest money in today in order to receive a stable monthly income.

1. Bank deposit - which bank is better to put money at interest?

This method is hardly more profitable than saving money at home “under the pillow.” It is unlikely that it should be considered at all by a serious investor. It is reasonable to use a bank deposit only as a “transit” point on the path of capital movement into more solid financial instruments.

Investing money in a bank deposit is not the best way to increase capital; it can rather be classified as a way to save your money.

Any economist will doubt the reliability of " airbags » bank deposit. After all, in the event of an urgent withdrawal of money, you can lose all the accrued interest. Banks generally find it difficult to part with dollar deposits.

If you want to temporarily entrust money to a financial credit organization, then the most optimal solution would be to distribute 1,400,000 rubles among various banks. This volume of deposits will allow you to reliably insure your capital in case of bankruptcy of any of the financial institutions you have chosen.

Where to invest money so that it works - 7 investment methods that I tested on people

In which banks is it better to invest money at interest?

When deciding which bank to invest money in and where to open a deposit account, get to know TOP 10 leading banks in the country, pay attention to their reliability rating. It’s good if the state is a co-owner of the financial institution. It is unlikely that it is interested in stopping the activities of its own banks. Among them are For example, such “bisons” of the Russian financial market as Rosselkhozbank, Sberbank, VTB and some others.

We present the TOP 5 banks in which you can safely invest your money at interest

1. Bank "Sberbank"
2. Bank "Rosselkhozbank"
3. Bank "VTB24"
4. Bank "Gazprombank"
5. Alfa Bank Bank

2. Purchasing real estate (editor's choice)

There is a misconception that in order to start making money in real estate you need to have a large starting capital. In fact, there are several options to get all the benefits of investing in real estate with a small amount of 200 to 1 million rubles at your disposal:

1. Using the principle of leverage and good debt
2. By participating in a co-investment project, when a group of investors chips in to buy some tasty asset

One of the principles of investing that Kiyosaki constantly talks about is the use of good debt and leverage. The bottom line is that you use only part of your money for the purchase, and take the rest from the bank at a certain percentage.

For example, you have 1 million rubles that you are ready to invest in real estate, consider two options:

You buy for cash a small studio apartment in a new building in a provincial town. When the new building is completed (about 1.5 years after the foundation pit), it usually increases in price by about 20-30%, that is, in fact, you will receive a profitability approximately 1.5 - 2 times higher than the bank one.

Option No. 2 - you take 1 million rubles and purchase 3 apartments using leverage (mortgage). For each apartment you make a down payment of 10% and the rest is paid by the bank. While the new building is being built, you pay interest on the mortgage - about 10,000 - 15,000 for each apartment or 30 - 45,000 per month on the loan, then at the final stage you exit the deal - with this scheme, the profitability increases to 60 - 100 per annum.

Watch a fragment of Nikolai Mrochkovsky’s seminar in which he examines this strategy in more detail:

Acquisition of real estate at the stage of closed sales

A real example of one of our investors Nikolai Mrochkovsky - he purchased an apartment in a new building in the city of Gorodets in the Nizhny Novgorod region at an early stage in closed sales for 975,000 rubles, after 6 months he sold it also at an intermediate stage through a developer company for 1.3 million) His the profit amounted to 325 thousand rubles for 6 months of investment or 33% in just 6 months.

But such projects usually do not appear in the public domain; it is better to look for them at closed meetings and in investor clubs,

Investing in real estate with maternity capital

Investing in real estate in 2019

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

In 2019, we recommend considering real estate investment strategies that are focused on generating a stable cash flow, rather than counting on rising property values. There is a high probability that the selling price tag will remain low for quite some time, and many new buildings risk becoming unfinished

Investing in real estate will almost always save your investment, and with a competent approach to investing in real estate, it will increase your investment

Options for investing in real estate with a stable rental income

Free investing knowledge base

41 ways to invest in real estate

If you are going in the future make a profit by renting out housing, then it is most rational to purchase several apartments now in a new single-family building or an apartment building. The cost of rent will be increased by such factors as the location of housing near a metro or railway station, developed infrastructure of the area, the presence of large enterprises, airports, etc.

By investing in rental property, you can receive a stable monthly income. (This includes both commercial real estate (renting out a commercial space, warehouse, office, etc.) and residential real estate (cottage (house), apartment, room, etc.))

Download a free business plan from Yu. Medushenko

How to purchase an apartment building with bank money and receive from 100,000 to 300,000 per month from rent

It is advisable to carry out investment activities with real estate at the very apogee of the crisis. Only a true professional can determine the moment when the economic downturn reaches the bottom. Therefore, enlist the support of such a specialist. He will provide you with the best possible purchase.

3. Investing in mutual funds

The essence of this contribution is as follows: you entrust your capital to a fund where it is managed by a team of professionals. You pay for the activities of your money managers and are responsible for them yourself. But for all that, it is a fairly stable source of average income.

It is important to choose a mutual fund with the most popular securities and hope that the market is not “stormed” by strong fluctuations. According to statistics, after the previous crisis, reputable mutual funds managed to return money to investors only after 4-5 years. The most persistent of them were able to accumulate up to 40 % arrived. (What is a mutual fund, and also about other ways of investing money in order to make a profit)

A significant advantage of this investment method is the ability to withdraw your capital or its share at any time.

4. P2P lending

We are talking about the so-called social loan, when ordinary citizens act as lenders and borrowers. The monthly profitability of such peer-to-peer lending can reach 50 % . Your clients will be ready to enter into insured transactions with you at one and a half percent per day.

True, the system that provides a platform for such microloans takes half of your every percentage. However, you will have your 0.70% per day consistently. And after some time, having withdrawn your deposit, you will be able to earn profit.

5. “All or nothing” - binary options

This is what binary options are sometimes called. This investment instrument either gives a fixed amount of profit or gives nothing. Everything depends on the participant fulfilling a certain condition at a certain time. Here you can gain huge capital, or you can lose it.

If you do not understand the marketing topic, then fortune is unlikely to smile on you here. Only “aces” of the currency field feel like a fish in water on a binary option, capable of predetermining the potential risks of a transaction. Read what binary options are and how to make money on them.

Binary options are a high-risk financial instrument, but where there is high risk, there is high profit

If you still want to try yourself in binary options trading, we recommend choosing a reliable broker that has been providing its services for many years. For example, this could include a company IQoption.

6. Investing in someone else's business

Investing money in someone else's business is always a risk, especially in times of crisis. After all, it’s not just, as some people believe, “invest and forget,” but the interest “drips” by itself. To make a profit, you need to be on 100 % confident in the people you trust with your savings.

In Russia, such “numbers” rarely pass. Any business we do requires personal participation. If you decide to invest in someone else’s company, do not part with all your money at once - limit yourself to some part.

7. Investing money in your own business

Small-scale business is the surest tool for increasing investment during a crisis. Of course, at the very beginning you cannot avoid encountering risks. However, once you cross the starting line, you can breathe a sigh of relief.

It is clear that it is hardly worth counting on something grandiose against the backdrop of fading banking activity and wage arrears. However, being passionate about an interesting activity and overcoming difficulties on the path to success guarantee moral satisfaction. (you will find business ideas with minimal investment, what kind of business you can open at home, etc.)

Investing in a business is an excellent investment for the purpose of generating monthly income. For recommendations on where to start opening a business, see the picture.

Well promoted business is a reliable financial instrument where you can now invest money in order to receive a monthly income, since it is the business that will not only consistently generate income, but over time it will also provide funds for investing in other financial instruments.

1. Try to find your niche in a market with a minimum number of competitors. Do not throw yourself into the “pool” inhabited by “other people’s devils.”
2. Follow the beaten path: use ready-made models and business schemes - you will get fewer bumps.
3. It is best to start with the sale of services, especially if there is not enough money to purchase goods.
4. Try to do without bank lending.
5. Don’t be afraid to start: it’s not the gods who open companies.

8. Investing in precious metals

This is a proven way to save and increase your savings. Metals used to make jewelry are considered precious. Such valuable metal raw materials include palladium, platinum, silver, gold . They are too tough for inflation, so they are always in favor with far-sighted people.

There are several ways to purchase precious metals:

• Buying bullion from banks ( keep in mind , that you will have to pay a 13 percent tax if they are sold (after 3 years, no tax is charged on the sale of property (gold)).
• Purchasing coins made of these metals (you can use the services of Sberbank, the main supplier of such products). Unfortunately, the cost of coins is initially greatly inflated in relation to the cost of the precious metals from which it is made.
• Purchasing art and antiques made from precious metals.
• Purchasing gold-backed securities on stock exchanges.
• Creation of a metal impersonal account. In such an account, metals act as currency. At the same time, the person who opened the metal account does not actually have any metals in his hands. This convention has a huge advantage: you don’t have to store valuables. Income from a virtual product is possible when metal prices begin to rise.

The profitability of this method of investing money is also not very high. In fact, no one will give you gold in your hands

9. The magical power of art

This reliable type of investment is not liquid for everyone. First of all, you should have a good understanding of art. Then the profit from these investments can simply go off scale. One masterpiece of painting or one marble figurine can bring hundreds of percent of income.

It is clear that the value of ingenious creations is not threatened by any financial cataclysms. However, finding their true connoisseurs can be oh so difficult. Practice shows that by purchasing a true work of art, you can absolutely save money in troubled times. But, as a rule, only 4 masterpieces out of 10 manages to come true.

10. Investing in venture funds

Investing in startups– innovative projects or enterprises are both profitable and risky. We are talking about introducing previously unused technical know-how into production. Statistics show that only 2 % businesses justify such investments. But the profit from them, as a rule, covers the rest 7-8 % unsuccessful investment objects.

You can make a contribution not only with real money, but also with promised amounts (commitments). Profit should be expected in 3-7 years, until the financially supported companies get back on their feet. Small enterprises created in knowledge-intensive production areas have the best chance in this matter.

11. Investing in cryptocurrency

Cryptocurrency is a new electronic payment method that came into practice on the threshold of the new millennium. Features a high level of protection. Bitcoin became the pioneer, followed by the remaining 150 of its “clones.”

Today, cryptocurrencies are becoming real competitors to traditional money and have a significant impact on the global economy. eBay and Amazon are already working with cryptocurrencies.

Of course, like any innovation, cryptocurrencies do not yet have a wide distribution. However, many experts believe that they are the future. Their main argument is the complete impossibility of inflation of the new type of money.

12. Investing in phone applications (iOS, Android)

The most profitable business– making a profit from applications that can provide real help. It is no less profitable to invest in applications that aggregate useful information on a specific topic.

Free applications are also worthy of attention, the distinctive feature of which is the sale of something.

13. Investing in groups, public pages on social networks

Publics on social networks– one of the most common online messages of our days. Some are trying to make money from public pages, although this is quite a risky business - since there are a lot of scammers and schoolchildren in this field who come for easy money

The main thing is to be a mega-active performer. If you are one of those, you are guaranteed success. This activity does not require special investments. It is enough just to fork out a little at the initial stage. And in the future, the number of subscribers can be increased through exchanges.

A big role in this matter is given to the content of the public, or more precisely, its quality. You also need to be able to choose a topic that is interesting to a wide audience. The relevance of the topic will attract a lot of advertisers. The most popular and most monetized are publics that address issues of money, success, and gender relations.

On the basis of such a popular public page, it is quite possible to establish a profitable sales channel. The main thing is that the products sold are not very expensive and are intended for mass users.

14. Purchase of a payment terminal

Payment terminals currently serve millions of people. The range of options for these software systems is constantly expanding. Using them involves a fairly high commission. Having bought several of these devices, you will burden yourself with only one concern - withdrawing money from them on time.

15. Investing in yourself

Finally, let’s talk about the main thing – investing in your own development. It's not just important. This is the starting point of any business success.

Don't spare money on "smart" books, useful seminars, practical trainings, valuable information products, especially courses on investing and making money . They will become your guides in the ocean of cash flows and investment whirlpools. They will teach you how to avoid pitfalls and shoals. With their help, you can quickly filter out unnecessary, ineffective methods of earning money.

The capital acquired in this way will always be with you. No one can take it away from you under any circumstances. He is not threatened by any force majeure or crises. This is the lowest-cost and at the same time the most profitable type of investment. After all, it is not just risk-free - it is anti-risk. Any investor can only dream of such a combination.

Without self-development, building an investment business is doomed to failure. Investing in yourself is a powerful generator of ideas and a unique catalyst for success.

Before you decide where to invest money at a high interest rate with a guarantee, you need to understand that such an investment is a difficult task, since a guarantee implies low risks when investing. The activity itself (investing) is a risky business, so in any case, where high profitability (high percentages) are present and high risks.

2. Where can you invest money to earn money - 4 ways to profitably invest money

A fatal mistake is an unforgivable luxury for an investor. Especially in times of crisis. Therefore, experienced financiers know: a reasonable investment has nothing to do with what is popularly called “flogging a fever.”

And one more investor taboo: he never reacts to revelations accidentally found on the Internet by some unknown “trader-investor” Vasya Pupkin.

Basic rules for break-even investing

1. Until you have experience, use only available funds for deposits. These do not include money borrowed from someone or bank loans. Investing always involves risks. Don't deprive yourself of your last penny.
2. Don't invest with your last money
3. Take care of passive income by regularly saving part of your salary.
4. Keep in mind that “easy” money (won or inherited) tends to go away just as easily: you don’t feel sorry for it, it’s not earned. You will need to be especially restrained with them.
5. Don't deviate from your investment plan.
6. Carefully study each niche of your investments, relying on the advice of competent people who have achieved real results and sincerely wish you success.
7. Start learning how to invest right now, just like when you studied art or physics at school, most people remain poor only because knowledge determines success in any business - especially in investing.

Let's look at the main ways to invest money at a high interest rate with a guarantee.

Investment is a risky investment of capital with the aim of generating income. Therefore, no one will ever guarantee that you will receive income from your investment. Each type of investment has its own risks, some have greater risks, others less.

Method number 1. Purchase of shares

Purchasing securities can be a source of stable income. After all, having become a shareholder of a reputable company, you can count on regular dividends. But this investment instrument needs to be mastered thoroughly. You cannot rely only on luck, although in the history of the stock market, of course, there have been cases when the price of shares “soared” tenfold over several years.

However, more often there are unpublicized stories involving the loss of all investments. To avoid going broke, it makes sense to entrust the management of your savings to a professional trader with a credible history of profitability.

Method number 2. Microcredit in Webmoney

This payment service provides an excellent opportunity to make money on microloans. You can determine the amount of the borrowed amount and interest yourself. But it won’t be easy to repay a loan from an online fraudster.

So the risks of such online investing are quite high. Experts recommend acquiring a large clientele and giving out small amounts. And you can check the absence of claims against the virtual borrower using his account.

Method No. 3. Investment in web projects (sites, portals, services, etc.)

The advantages of online investments include the following:

• the admissibility of their small volume;
• speed of return;
• high level of profitability;
• the ability to scale your business without the threat of serious risks.

Now let’s look at the features of different types of investing in websites:

1. Investment of funds under CPA affiliates

The essence of this method is that you receive your reward for a certain action on the site, namely: registration in the game, product purchase, application for a tour, issuing a credit card. Such affiliate programs are necessary to promote any selling resource. Moreover, each affiliate solves its own specific problem.

For example, you are tasked with creating a bank card landing web page. You describe several offers and then provide affiliate links. If the application of a user of your page is approved by the bank, you are due a reward of, say, 1,500 rubles (payment for each application is determined by the conditions of work in a particular bank).

The only difficulty here is to catch up with traffic. However, if your efforts have an effect, such affiliate programs can be very profitable.

2. Investing in MFA sites

This time we are talking about resources aimed at generating income from contextual advertising. You are unlikely to get a huge profit from this type of income. However, it has one very big advantage - the ability to almost immediately install an advertising unit on the site. (For example, Adsense blocks or YAN blocks (Yandex advertising network))

This means that the site will start making money almost from the first day of its existence. The level of profitability is largely determined by the theme of the site.

For example, a popular medical portal can bring in 15,000 rubles in monthly income (with an average traffic of 1,500 users per day).

It all depends on the ability to monetize traffic on the site. The most profitable sites for payments in contextual advertising are sites for financial, construction, etc. subject.

For example, the average financial “trust” site can generate income every month of 10 - 30 thousand rubles on link sales.

True, at the current stage of development of search engine robots, the income from this type of investment has dropped significantly for many. Some even stopped betting on it after analyzing the unprofitable dynamics of income.

The main disadvantage of such monetization – after it, the site can be confidently written off as scrap, since search engines can impose sanctions on web resources and then the project’s traffic will drop, and accordingly, the income from the sale of links will also drop. If the site makes money using such an “unclean” method, you will not see a large volume of traffic for “clean” methods of income (contextual, banner advertising, etc.).

Method number 4. Investing in PAMM accounts

This type of investment in Forex is becoming increasingly attractive today. The deposit amount may be limited to only 500 rubles, which contributes to the growing popularity of PAMM. The mechanism of this investment method is to transfer money savings to a professional trader for management. This virtually eliminates non-trading risks. (We recommend reading in - How to trade on the Forex market, where to start playing on the Forex exchange)

A guarantee of the safety of the investor’s interests is the presence of the manager’s own capital on the PAMM account. The latter is only allowed to make transactions on the account without withdrawing the principal’s money from it. The investor can always monitor the progress of transactions online or view the history of their completion.

A big plus PAMM investing is an investor opportunity have full control over your funds , entering and withdrawing them at your own discretion. An investor can also diversify his money by placing different traders in PAMM accounts. You can also carry out trading operations yourself, copying the transactions of experienced traders.

Method No. 5. Earning money from dachas and summer cottages (editor's choice)

Dachas are one of the most undervalued markets today and here’s why:

1. Now it has again become fashionable and profitable to vacation in Russia
2. You can now register at dachas
3. You can live in your dachas all year round and have all the necessary communications connected
4. Transport accessibility in big cities has increased significantly
5. The dacha market has not yet caught up with the new conditions and there is practically no competition on it, while more and more people want to buy a house for the weekend or for a vacation every day

Watch the lesson from our expert - Anton Murygin, who specializes in this special type of real estate:

3. Where to invest money to receive monthly income - 4 expert tips on where to invest money

The 2020s in Russia promise to be years of testing for all citizens, including investors. To prevent it from becoming ruinous for you, experts unanimously urge you not to keep your savings at home. In a year they can depreciate by 10-15 % , or even higher.

You should also follow the forecasts of specialists and advice from experts in a variety of sectors of the economy and, of course, rely on your sixth sense.

Where is it more profitable to invest money now? What investment recommendations do experts give in 2019? In what areas of investment now, in their opinion, are there minimal risks for placing funds? Where to invest to receive monthly income?

Expert tip #1. Deposit in a commercial bank

This financial instrument, popular among our compatriots, is recommended to be used, first of all, by those who do not seek to increase their capital, but only to protect it from depreciation.

It is expected that in the 2020s, the level of inflation in the country will reach 13% - 15% (the Ministry of Economic Development predicts inflation at 5-7%, but it all depends on the state of the economy and we can safely assume that inflation will reach the above-mentioned 13-15 percent) . Meanwhile, the interest rate on deposits in national currency averages 10-13%. Thus, interest payments in banks should cover the depreciation of money.

However, when depositing your savings in banks, you need to take into account two important points:

1 . When choosing a deposit program, give preference to the most reputable and stable financial and credit organizations. Today, the first positions in the reliability rating are occupied by such large financial institutions as Sberbank, Gazprombank, VTB, FC Otkritie And Rosselkhozbank.

2 . Before opening a deposit with a financial institution, you need to clarify whether it is a participant state deposit insurance programs. If you receive an affirmative answer, you can open an account without fear, depositing up to 1,400,000 rubles : such a deposit is considered insured, and, in the event of the bank losing its license, will be guaranteed to be returned.

Expert tip #2. Investing money in real estate

Experts rightly believe that investments in residential buildings in 2019 are long-term investments. Now, many industries have already begun to catch up with the sharp fluctuations in the exchange rate and prices have gone up, real estate is still holding up, and many developers and private owners are offering good discounts.

But if you know how to wait, then this use of your money will be optimal. In a couple of years, prices will rise again, and you will become the owner of a decent profit.

Regarding the selection of investment objects, experts give the following instructions:

• Don't invest (buy) now commercial real estate.
• It is advisable to purchase housing in small but promising cities: they will be the “first signs” in terms of rapid development in the post-crisis period.
• The ideal option is to acquire one- and two-room apartments: they are easy to rent even in times of crisis; in addition, they are considered the most liquid type of real estate.
• To successfully sell a house after the crisis ends, it is often necessary repair it, worry about finishing work that will give the room an impressive and respectable look.
• Reputable investors may consider offers on foreign real estate markets. Today there is an increase in prices in the markets China, Thailand, Morocco, Brazil, Malaysia. Moreover the cost of housing in the listed countries is not at all much higher than on the Russian market.
• If you don't feel confident enough in this area, hire a pro and pay him well. A financial assistant will warn you against many risks and will provide you with valuable information about promising construction projects located in residential neighborhoods convenient for living. You definitely can't go wrong with this advisor.

Expert tip #3. Currency investments

This type of investment is considered a globally recognized method of income in a crisis economy. Experienced investors can earn a good income in a few weeks by transferring money from one currency to another. (We recommend reading -)

However, currency investors should take note of the following information:

1. Anyone who is willing to take risks can make traditional investments in dollars and euros: the value of these currencies will change depending on price fluctuations in the oil market and the situation in the world political arena. The main thing is to monitor forecasts when concluding contracts.
2. A more conservative group of investors it is necessary to give preference to more stable currencies - the Swiss franc, the Chinese yuan or the pound sterling.
3. Buying now is considered promising euros and dollars with a view to selling them next year, when the market value is expected to increase.

Expert tip #4. Investing in your own online business

The most profitable business in the context of current economic problems is conquest of virtual space . The production of goods, as well as the provision of services, are extremely risky enterprises in today's real market. Therefore, experts advise investing (investing) money in Internet projects.

Your own Internet project can be created in various versions:

• in the form of an online store selling consumer goods;
• in the form of a personal blog or forum providing users with paid services or consultations;
• in the form of an information portal that allows you to place advertisements and advertising banners of third-party organizations and individuals for a fee.

It is best to order a website and its promotion from IT specialists, and then constantly fill it with quality content and current offers. Unlimited network activity by territorial and time limits is the best prerequisite for its profitability.

Other smart investment options in 2019, according to experts, are:

• investments in PAMM accounts;
• own foreign exchange reserves
• investments in blue chip stocks and bonds;
• but let us emphasize that real estate remains the most stable and interesting

These are typical pyramids like the infamous MMM. Crazy profits - up to 3% of profit - only shine here for their creators. The lifespan of such a pyramid is from a year to a couple of months.

Another complete adventure is online casino. No one has ever managed to win big money in it, but losing all the capital is quite possible. The fraudulent online gaming scheme is based on the gambler’s inability to stop in time.

If you do not control yourself, it is better not to have anything to do with either real or virtual scoundrels. Don't be tempted by "free cheese": the pursuit of him always ends with the click of the mousetrap door.

5. Conclusion

So, you have learned about the most popular methods of investing during a crisis and have become acquainted with the opinions of authoritative experts on this matter. Now it's up to you. After all, it’s up to you and only you to decide where to invest your money (your acquired capital). The burden of responsibility for the decision made will also fall on you.

Perhaps the choice of investment objects at the moment is not as wide as many would like. Moreover, the situation in the country is so unpredictable that all forecasts are very relative. Therefore, you need to keep your eyes open and be able to quickly adapt. The main thing to understand: a crisis

For people who want to open or find new sources of income, there are many business options available in 2016. You can, for example, open your own business and collaborate with, the director of which you yourself will be, if you have the means, or find other cities. There are many opportunities open, but it all depends on your preferences and starting capital. You can invest money in the development of your own business, or you can become an investor or investor.

Advice: Whatever method of earning money from an investment you choose, do not rush to spend the profit received. If you start investing it in development, your business will flourish, and you will get a lot more money. And profits will grow.

Where is it profitable to invest money in 2016?

Russia is going through a crisis. And given this crisis, it is necessary to approach the issue of investing money as seriously as possible, especially if you have a large amount. Stock markets are a field full of risks, and business may not always be profitable. So which is better to choose?

Bank deposit in rubles and foreign currency

This is one of the simplest and most reliable ways to increase your finances. Moreover, the most profitable for you will be a replenished deposit and a deposit with interest capitalization. You will replenish your amount, and accordingly, your interest earnings will increase significantly. And when interest is capitalized, your earnings will themselves increase your final income. If you invest a significant amount, it will not be superfluous to insure your deposit, and then even in the event of bankruptcy of the organization you will not be left without money. But it's not that simple. You will have to face the choice of bank and tariff choice. Experts recommend contacting one of the five most reliable banks:

• Sberbank.
• Rosselkhozbank.
• Gazprombank.
• VTB 24.
• Alfa Bank.

Purchase of real estate

Another very profitable investment. In large cities, housing prices are unlikely to drop much. Unless, of course, there is a global flood or a volcanic eruption. Therefore, it is not only profitable, but also very reliable. Moreover, you can choose any real estate: from apartments and dachas to office space. Besides the fact that your money will not lie idle, it can serve you well. After all, the purchased premises can be rented out, and this will bring you good passive income, and you can sell such property at any time and often for more than the price at purchase.

Investing in precious metals

In 2016, gold prices are close to their minimum. Expert Rodinkova believes that this will be a profitable purchase for those who plan to work in this direction for a long time and invest a lot in it. You can safely invest in gold, silver, palladium and platinum. In this case, purchase and storage occurs only through the banking system and capital growth occurs, unfortunately, slowly.

Purchase of securities

The main types of securities are bonds, Eurobonds and shares - you can invest in them for a long time. Buying shares is quite risky. And the more reliable the investment, the more expensive the securities will be. Experts call the risk of storing such documents an undoubted disadvantage. With bonds in rubles and euros, not everything is simple either. In the current crisis conditions, metamorphoses are continuously occurring with Russian and foreign currencies.

Internet projects

Due to the convenience and benefits of working with the Internet, investing in Internet projects is becoming increasingly popular. In this case, in all options you can earn money with minimal investment. So you can:

• Create your own website as the foundation for your business;
• Financing of the finished project;
• Opening an online store.

Investment in business

There is no need to say much about the fact that investing in your own business is a very profitable business if it is successful, because it is obvious. Of course, like any other investment, it is risky. But if you competently develop a concept and business plan, in consultation with experts in this field, you can ensure a comfortable future for yourself for many years to come and, perhaps, provide it not only for yourself, but also for your children. Even if your starting capital is small, there are many funds that can help you. Firstly, you can open a business together with someone else. Secondly, a business does not necessarily need a lot of funds. There are a lot of business ideas with minimal investment. Such as, for example, breeding, growing vegetables, fruits and mushrooms, home consultations, making original ones and much more. , oddly enough, can also be made at home.

Advice: Since any investment (no matter what you choose) carries considerable risks, weigh the pros and cons. Think about whether you want your money to work for you and earn passive income, or whether you would like to develop as a businessman. In addition, a beginner should not open a risky business as soon as he has the money for it. To begin with, it is better to invest in a reliable and proven project.

Which mutual funds should I invest in in 2016?

Some people familiar with the stock markets prefer to invest their money in mutual funds (UIFs). Now in Russia the following types are found on the stock market:

• Securities mutual funds;
• Index funds;
• Industry funds;
• Real estate and mortgage funds;
• Venture funds;
• Funds of artistic values;
• Money market funds;
• Credit and rental funds.

Which of these mutual funds will be more profitable to invest in in 2016? The most reliable investment would be an investment in a bond mutual fund. But you can earn only 9-10%. Investing in a mutual fund of shares will be riskier. But at the same time, in this case, the greatest benefit awaits you if the risk is justified. In this case, income can increase to 5-100% of the deposit. It should be noted that during the year the value of shares will both rise and fall. You will need to be prepared for this. You can invest in industry mutual funds, but in this case you will need knowledge in economics. After all, you will need to understand which industries will grow and develop. And in this case, your risks will bring you good profits. Funds can also be open and interval. In the first case, you can invest money and withdraw it later at any time, and in the second, you can redeem the shares only once in a certain period of time. Most often this is once a quarter. Mutual funds also differ in the method of management, which can be either active or passive. If you choose the active method, then you must have certain knowledge and qualifications in this area, but you will also receive more profit than when choosing a passive method. But if you choose the passive method, then even if you make a mistake, it will not make you lose much. You can purchase mutual funds both from the management company and from its intermediaries: investment companies, banks and other financial organizations.

Where to invest a million rubles in 2016?

So, it is difficult to say whether the amount is large - a million rubles. For a person earning no more than 20 thousand rubles a month, perhaps a lot. But for someone who sees this million every week, not very much. But in any case, this amount will be quite enough to get a good income. But where to invest a million rubles? Today, experts offer several common methods, some of which have already been mentioned above:

• Make a deposit in a bank;
• Invest money in bonds;
• Invest money in stocks (the same risky method that is not recommended for beginners);
• Mutual funds;
• Trust management. The bottom line is that you give your money to specialists who will multiply it. After that, all you have to do is track the results of their work. There are companies that promise a profit of 50-80% in the first year, but in the second and subsequent years they can receive a loss of 20-30%. It is better not to mess with such people and choose those that guarantee a stable income of 10-20%;
• Business projects.

Advice: If you have accumulated a large amount of money, do not rush to invest it entirely and put it into circulation. First, consider whether it might happen that you will not have enough for something if you invest all your money for a long time. And secondly, especially if you are a beginner, try to choose the least risky investments with your million. For example, in real estate. You can also divide the money and make contributions to several authorities.

So, you can invest a million in any business you like, and it is not at all necessary to invest with great risks. The business that will suit you best is the one that will guarantee you a stable income and the least amount of hassle. Experts believe that this will be the best investment.

Which currency is better to invest in in 2016?

A year ago, Russia was rocked by the dollar-euro boom, when everyone fell asleep with one exchange rate, and woke up and saw such a rate that they could think about vision problems. And people who had previously invested in foreign currency earned very good money. But what to do now and in what currency can you store your rubles? Financial analysts still suggest keeping your funds in the form in which they will be spent, that is, in rubles on the territory of the Russian Federation. And if you choose a foreign currency, which one is better? In fact, if we talk about dollars and euros, during any crisis or market collapse they remain at approximately the same level relative to each other. However, the dollar still has an advantage, because this currency is more popular. Financiers argue that the dollar will jump in 2016 in the same way as in the previous boom period. Therefore, you need to be careful and not buy/sell currency during periods of these same jumps. And there is no need to panic either. Over time, the picture will level out, and you will not incur large losses.

In some banks you can now make multi-currency deposits. According to experts, this is a profitable offer for 2016, and this will be a way out in today’s situation on the foreign exchange market. At the same time, you can use them to open a deposit in rubles, dollars and euros. The disadvantage of such an investment is the relatively low interest rates, so in order to get a significant income, you will have to invest a fairly large amount.

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2016 is a year of crisis, risks and losses. But even in such conditions, you can earn a good basic and additional income with both minimal investments or no investments at all, and with large ones. And income can be both active and passive. Which one you like best is up to you to decide. But it is worth noting that in most cases the most profitable investment is in active work, and the most reliable is in passive work.

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