What can you invest 100 thousand rubles in?

Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂

There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest your money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amount of money you are going to invest: small or large, this article will be as useful as possible for you!

In addition, you will learn:

• What investment options are there, what are their returns and which one should you choose?
• Where can you profitably invest money on the Internet?
• How to invest money correctly so as not to burn out?
• And also about where it is better not to invest your money!

Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.

No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).

You should always remember this, because investments can bring both profit and loss!

Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.

Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.

But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

We will also consider all the pros and cons of each investment option.

Third to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute it like this:

1. conservative portfolio (bonds, real estate, precious metals...) - 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (foreign exchange market, cryptocurrencies...) - 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!

On the contrary, many people strive to receive maximum income, but at the same time completely forget about risk. And as a result, due to greed, they are left with nothing.

Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important rules of investing!👇

2. Where is the best place to invest money in 2019 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest your money so that it generates income!

Option #1: Bank deposits/savings accounts

Deposit rates have been falling steadily downward in recent years and are likely to continue to fall in the future.

How to make money on stock growth - Google example

In 3 years, Google shares have grown by more than 100%!

For these purposes, so-called “individual investment accounts” (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).

☝️In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But naturally, there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!

The biggest risk for stocks (for those who bet on their growth) is a financial crisis! The rest of the time, shares generally grow steadily and show good profitability.

Alternatively, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (100 US high-tech companies).

If you do not want to invest personally, then there is an option to entrust your money to professional managers. But I will describe this in detail below.

CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.

Option #4: Bonds

Along with bank deposits, bonds are considered one of the simplest instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.

For those who don’t know, a bond, simply put, is an IOU. Only large companies and states can act as borrowers.

? By the way, Sberbank and VTB24 recently began selling national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most bank deposits currently available. Moreover, in the future, deposit rates may decrease.

You can also consider bonds of large, reliable companies - their rates will be higher! For example, on Sberbank bonds the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, you can invest large amounts of money in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.

Bonds, just like shares, can be purchased through an individual investment account (IIA) without having to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.

Option #5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles per 1 dollar, and you sold dollars.

As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).

You can trade on Forex either yourself or give money to professional traders to manage (this will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.

It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise trading will most likely turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to strategy, then you can actually make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $1, you still need more or less serious investments (preferably from 100 thousand rubles), since even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be that big.

In my opinion, one of the most effective trading strategies on day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!

Among reliable brokers you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore riskier. However, with skillful investing you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Option No. 6: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold...).

That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.

All you need to do is distribute the initial investment amount into parts (preferably at least 5-10) and invest in different managers.

For example, the Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.

At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.

⭐️ About profitability!
The income here can be quite acceptable - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!

PAMM accounts and PAMM portfolios for investments must be assessed based on at least 3 parameters:

• account/portfolio age,
• past profitability,
• funds invested by other investors.

For example, here is one of the most popular PAMM accounts on Alpari:

PAMM account “Lucky Pound” and its profitability (click to enlarge)

💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.

However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.

Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been generating losses over a long period. This is the whole secret of investment!

Read more about how to properly invest in PAMM accounts (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information there!

With larger initial capital, you can work with large stock brokers (for example Finam and BCS), which also provide various trust management strategies.

For example, you can give Finam in trust from 300 thousand rubles. Their website presents dozens of diverse strategies: conservative, moderate and aggressive.

Of course, both brokers and managers also cannot 100% guarantee that you will receive income.

I would like to tell you a few words about the so-called “structured products”.

They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely in specific stocks, futures...), which experts expect will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.

Here is an example of structured products on Alpari:

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Especially suitable for beginners.

Option No. 7: Own/partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated or simply invested in someone’s business at the development stage.

Another option is to buy a ready-made business or open a franchise business (in this case the risks will be much lower).

Moreover, even if you have a small initial capital, you can still open your own business. Many people have opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and desire!😀

I myself started a successful business from scratch several times! By the way, if you look at the statistics, then among millionaires there are about 70-80% - these are entrepreneurs who started a business from scratch!

✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!

As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«

Read about how to find your favorite job/work of life.

If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s small at first. The main thing in this matter is not to be afraid take the first step!

Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?

Here are some more useful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a service business.

I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂

By the way, goods from China are now very popular, where the markup can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page websites).

Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.

Moreover, in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.

Read more about how to organize in a separate article!

CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!

Option #8: Mutual funds

DESCRIPTION: Mutual funds can also be classified as trust management, which we have already talked a little about.

Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (investing in certain stocks, bonds...).

Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:

Profitability of mutual funds for 11 months

However, mutual funds do not provide a guaranteed profit, unlike bonds and deposits; there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example Sberbank.

If this type of investment is suitable for you, then it makes sense to choose not one mutual fund, but several, in order to distribute possible risks.

And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on forums. With this simple action you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.

Option No. 9: Microfinance organizations (MFOs)

DESCRIPTION: Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum period in MFOs is usually 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest money in bonds or in a bank at interest.

If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.

⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.

After all, it is better to invest money in a reliable organization at a slightly lower interest rate than in a newly established MFO with a high interest rate.

Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀

And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉

CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.

Option #10: Precious metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. Moreover, such investments are highly reliable!

It is especially important to invest money in gold and other precious metals during a crisis, since this is where money migrates from the stock market.

Gold coins/gold bars can be purchased from almost any bank (Sberbank, Gazprombank) or from brokers (for example, Alpari).

Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for a longer term period of 3 years or more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.

The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term for the purpose of preservation.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.

Of course, the best time to invest was a few years ago when Bitcoin was worth around 150-200 dollars.

Some experts say that in the future Bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that Bitcoin is about to collapse. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably increase in price.

Moreover, while cryptocurrencies are showing a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it and yet it is a rather risky investment instrument.

For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for themselves, one thing is clear - it is definitely not worth investing all your money in them!

Option No. 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

The following directions are currently popular:

1. Websites. Information websites are created and filled with unique content.

With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very wide, since the topic of the site determines how much income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.

But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.

2. Social publics. Surely almost each of us is subscribed to some community on social networks (VKontakte, Facebook, Odnoklassniki...).

Meanwhile, the owners of such public sites also earn money mainly from publishing advertising posts. In public pages with millions of subscribers, the cost of one advertising post can be 2-7 thousand rubles .

Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, you won’t have to wait long for success!

3. CPA affiliate programs/traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods/services.

For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.

If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, the main investments here go specifically to advertising.

But in this case, experience plays the main role, without it you can’t go anywhere!

4. Online services. You can also invest money in creating an online service. These include various freelance exchanges, message boards, exchangers...

For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is with the help of exchangers. By the way, you can also purchase bitcoins using exchangers.

Exchangers, in turn, charge a small commission for the exchange (usually 1-5% ). Due to turnover, a fairly decent income is obtained.

5. Applications for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is circulating.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.

Even if you don't know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, the key role is played by the idea - the success or failure of the application depends on it.

6. Hype. HYIPs are in reality a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them is correspondingly several times/tens of times lower.

In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad; in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is their very, very high returns, they can bring in thousands of percent!

But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.

Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .

There are basically several ways to invest money in startup projects:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investments are poorly developed in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Option #14: Art objects

DESCRIPTION: Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent profit on investments.

❗️ The only important feature is that such investments often require large investments . And besides, to get a good return you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only become worth more over time.

And the crisis has virtually no effect on the value of art objects.

CONCLUSION: This type of investment is suitable for those who understand at least something about art and are ready to invest money for the long term.

Option No. 15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience...).

It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.

I think more than once you have heard stories about how most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of it in your development: attend trainings, webinars and seminars.

One of the most important differences between investing in knowledge is that no one can ever take it away from you. You can lose everything, but not the acquired skills and experience.

For example, in the USA they conducted an experiment: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after just a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t forget that even a bad experience is also an extremely valuable experience! 👍

3. Golden rules of proper investing - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!

First, what I already talked about at the beginning of the article is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.

Instead of investing everything in one tool, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.

If you have very little money, then think about starting your own business.

Second— try to invest most of your funds (40-60%) in assets with the lowest risk; the optimal choice between profitability and risk, in my opinion, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.

Believe me, this is an already tried path on which hundreds of millions of rubles have been lost!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.

It will also be great if you learn to give 10% of your profits to charity.

As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!

I will not consider very risky investment options in these examples. Let's consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. As a last resort, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try investing in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

This is also a relatively small amount by investment standards. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate at the construction stage, then you can invest in it.

— Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.

For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts/portfolios, or invest them in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also advisable to divide the amount into 3-5 parts), gold, art objects...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• With the remaining amount you can try to open a business (including on the Internet).

5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud

At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially nowadays, fraud flourishes abundantly on the Internet (and not only!).

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.

Both on the Internet and in real life, people often come across “super profitable” projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payments, very favorable conditions, etc. - all if only people would invest their money.

Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from other people's greed!

Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.

Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.

I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (it’s not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience was at least a little valuable for some of you and you have already decided where to invest your money! 😀

Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!

One hundred thousand rubles is, frankly speaking, an insignificant amount for investment. If you invest this amount every month, then this is already a serious investment business. Therefore, you must initially decide whether this is a one-time investment of funds and there will be no further investments, or whether this is the beginning of an investment process, albeit not in such amounts, but with regular additions.

Let's start with the position: there are 100,000 rubles and there will be no more. We are talking about passive investment. Opening your own business for such an amount requires active participation in an open business, so it will not be considered here.

Where to invest 100,000 rubles:

• to avoid losing money from inflation;
• in order to earn a profit that covers inflation, pay taxes, and have “bread and butter” left over.

How to protect yourself from inflation

You can protect yourself from inflation, which today is approximately 12%, with a regular bank deposit. Here are a number of Moscow banks that offer to accept deposits from individuals at 16% and above:

1. Commercial Bank "RosinterBank": product "Profitable +", rate up to 20%;
2. JSC "Bank "Arksbank": product "Profitable+", rate up to 17%;
3. Joint Stock Commercial Bank "Credit-Moscow": product "It doesn't get better!", rate - 16%;
4. Commercial Bank "AiMoneyBank": product "Maximum interest", rate - 16%.

You will not receive the full amount for these deposits; you will have to pay income tax on the amount of income that exceeds the rate of 13.25% since, if the return on the deposit is higher than 5 percentage points of the refinancing rate (8.25%) of the Central Bank, a tax of 35% is levied. .

If you make a deposit in RosinterBank today, you will not only cover inflation, but also receive a profit, provided that the inflation rate does not exceed the stated percentage by the end of the term of your deposit.

How to make a profit

If you cut off the offers of the “scammers” who have filled more than 90 percent of the Internet with their promises of quick enrichment, then there are not many offers of 100 thousand rubles left from which you can expect a profit.

The main condition for proper investment:

• not of dubious origin;
• do not participate in MLM programs and do not;
• don't mess with ;
• do not purchase binary options;
• Not .

Following these rules will save your funds for safer investments. Such an investment could be a portfolio of securities.

Investment portfolio

Simply buying a few shares that have high liquidity and are currently rising in price, and wait until profits appear, is not very wise. You need to know the stock market, the state of affairs in this company, maybe this is a market surge, followed by a collapse and you are at a loss. In this situation, it is better to purchase highly liquid securities: government bonds, Eurobonds or shares of large and well-known companies.

Warren Buffett, the world's richest stock investor, advises studying the stock market and looking for promising companies. . And patience is the best quality of an investor. Buffett buys shares of promising companies, in his opinion, and waits a year or two until they begin to grow. Further, depending on the circumstances: if a company is on the verge of a breakthrough in new technologies, Buffett buys the entire company. If he is in doubt, he simply sells the shares at a profit.

Of course, you can study fundamental and technical analysis, sit down at the computer and, using a demo account, hone your skills as a financial trader, and then create an investment portfolio for yourself that will bring regular profits. This is possible if you decide to become a professional financial trader, but even so, no one can guarantee constant success in the stock market.

A reasonable way to form an investment portfolio worth 100,000 rubles is to contact a financial broker in a well-established financial company. A financial broker will help you create a portfolio to suit your requirements, and if necessary, can take control of it under your control.

Individual investment account

An interesting investment instrument appeared at the beginning of 2015 -. It can be opened by any investor through a broker or investment management company. The investment amount is up to 400,000 rubles, the investment period is at least 3 years. The advantage of such an investment is tax benefits on income: the account owner is offered to receive 13% of the deposit amount or exemption from income tax for the entire period of investment.

Mutual funds

It is quite reasonable to give money for management to a mutual fund (). The main thing is to choose the right mutual fund. To do this, it is enough to study the profitability of mutual funds and their management ratings, published on the pages of financial publications or on the Internet. The main disadvantage of such an investment is your complete ignorance of how your money is managed, and the advantage is the ability to withdraw your share at any time.

Public-private projects

A very interesting area of ​​investment is a concession agreement with the state in the field of housing and communal services, healthcare and a number of other infrastructure areas. The new procedure for obtaining concessions allows the implementation of public-private projects bypassing the competitive system. From May 1, 2015, investors themselves can come up with the initiative to conclude concessions on the basis of public-private partnerships, without a competition. This became possible thanks to changes to the “On Concession Agreements”. This means for the investor the opportunity to take over concessions such as pharmacies, waste disposal points or other profitable projects. Perhaps the amount of one hundred thousand rubles will not be enough to fulfill the concession agreement, but here it is possible to attract credit funds or organize a concession pool of investors, thus increasing the capital to the required level.

Investing money in an existing business

It can turn out to be a very profitable investment project. A lot of companies need funds to expand their business, which they cannot get from banks, or can get, but at prohibitive interest rates. You can search for such companies on the Subscribe.Ru website in the BusinessPartner.ru section.

The big disadvantage of this approach to the problem of “where to invest one hundred thousand rubles” is the high degree of risk. There are a lot of scammers roaming the Internet who want to get your hard-earned money. Therefore, a thorough analysis of such proposals, detailed acquaintance with the business, verification of documents for its implementation, personal acquaintance with business participants, legally competent registration of investments in this business is a necessary condition for investing funds.

Franchising

Franchising today is one of the areas that, with a minimum investment, makes it possible to guarantee a guaranteed return on investment in a short period of time and receive a constant income. Purchasing franchises from well-known companies can be a good source of income, but most of them are beyond one hundred thousand rubles. There are plenty of franchising offers on the Internet; it is quite possible to find an offer with a price around the indicated amount. The main thing is to decide on the choice of company and get the best franchising conditions. Many provide a detailed description of the conditions for purchasing a franchise and algorithms for doing business, for example http://www.franchisekey.ru/ or the website of the Russian Franchise Association http://www.raf.ru/.

Shuttle business

Many today have forgotten that the well-being of many Russian families was formed in the 90s of the last century in this business. But even today, with one hundred thousand rubles, you can try this business.

The algorithm for such a business today looks like this:

• You look at advertisements for goods on the Internet, periodicals and on television;
• You choose a product that is in high demand.
• You are looking for a manufacturer of an analogue product or a wholesaler in China (of course, not the original manufacturer).
• You contact a manufacturer or wholesaler and order a minimum batch for testing (minimum batch from 20-30 thousand rubles).
• You place advertising on Avito (free or paid for 500 rubles per week).
• You offer the product at a premium (minimum 50%).
• You organize delivery of goods by couriers.

The profitability of such a business, with good organization, is at least 20% per month. But you have to work hard yourself.

8th method: “Investing in Internet projects and startups”

One of the most accessible and least labor-intensive ways to increase capital is investing in Internet projects. On this market you can find offers with a minimum entry level into a project of $1 and a potential yield around 5%-7% per month. Briefly about the specifics and advantages of these investments.

The Internet is one of the few segments of the economy that, even in these difficult times, continues to be in a growing trend. You can see for yourself how quickly various online projects are developing today: social networks, online stores, applications, etc., which easily bring more than 200% profit per year to their owners at relatively low costs.

Is it possible to become an active participant in this market? Easily! By becoming a co-owner of one of these projects, you will ensure a virtually guaranteed return on investment. Moreover, over the past few years this area has acquired a completely legal framework. Now, most investments in Internet projects are made on specialized sites operating under the supervision of financial regulators.

A simple illustrative example is the investment one, in which the owners of promising websites and startups attract investments for their development, and investors have the opportunity to invest in a growing project and become its share owner.

The minimum investment size on ShareInStock.com is $1, which makes investing in Internet projects feasible for each of us, while a fairly significant dividend yield of 3% to 10% per month will allow us to ensure a return on our funds in the first year.

The work of ShareInStock.com is carried out under the supervision of a regulatory body, and investments in Internet projects themselves are carried out through the acquisition of legal securities of projects by investors (as in the stock market).

In this article, we limited ourselves to investment investments of 100,000 rubles. If you continue to invest the funds received from investments, increasing your investment capital, your opportunities will expand significantly and new areas of investment will appear.

A hundred thousand can grow well if you manage it well. Money must work and generate income. What can you expect by investing only 100 thousand rubles, and what methods of investing such an amount can be offered.

“Working won't make you rich. You get rich in your free time,” Robert Kiyosaki.

Free money should work, generating income - a well-known axiom. Indeed, keeping money under your pillow is, at a minimum, unwise due to inflation, which depreciates it. How much money do you need to have in order to invest profitably and where exactly should you invest in order to earn reliably and decently? With the amount, everything is simple: there is as much as there is. There are few millionaires in our country; there are many more people of average income. Let's consider what kind of income you can expect by investing only 100 thousand rubles, and what ways to invest such an amount can be offered.

Bank deposits

It is unlikely that you will be able to get rich from such investments, but you can try to protect your savings from inflation. A few simple tips. The bank must be large and proven to be reliable. In such a bank, the maximum income on a deposit is currently 12%. Thus, the annual income that you will be entitled to from a deposit of 100 thousand rubles will be 12,000 rubles. You will most likely receive it after the expiration of the deposit agreement.

Advantages

• Reliability and simplicity.

Flaws

• Deposit agreements have unpleasant limitations. For example, early withdrawal of a deposit will result in penalties and reduce your income to a minimum. In addition, during a crisis, a sharp inflationary jump can depreciate your savings. So this method, in addition to its advantages, has serious disadvantages.

Investments in PAMM accounts

One of the most promising investment market instruments. This type of investment is carried out on the Forex currency market. Actually, this market is traded by a professional trader, specially trained and experienced in stock trading. Having a special account (PAMM account) and his own funds on it, he attracts additional funds from investors and uses them in trading.

Traders become professional after at least five years of active trading, and not everyone is ready for this type of business. Therefore, the investor can only choose a manager (or PAMM account) and invest his funds in it. Based on the results of trading, profit (loss) is distributed according to the agreement (offer) accepted by the investor on the trader’s terms.

The profitability of a PAMM account thus depends on the professionalism of the trader. A good return on constant investment can be considered 30-40% per annum. Various thematic resources provide examples of profitability of 100% and even 200-300%, but we will be skeptical about this. Of course, in certain periods this is possible, but it would be an exaggeration to consider such profitability constant.

Advantages

• The main advantage of PAMM accounts is good profitability with a minimum of worries. By devoting just a few hours a month to this, you can earn very good money. Over time, a certain strategy is developed that reduces investment risks and, as a result, the opportunity to earn more.

Flaws

• The main disadvantage is the presence of risks. Actually, this circumstance accompanies any business. Failures and financial losses are possible, especially at the beginning, when you are still inexperienced.

A decision to invest in PAMMs must be made consciously, based on carefully studied statistical material and an understanding of the process.

Mutual investment funds (UIFs)

Such funds bring together shareholders who want to invest, but are unable to do so on their own. The funds of a large number of shareholders are accumulated by mutual funds and invested in various instruments to generate profit. Shareholders' investment capital can be invested in precious metals, stocks, bonds, currencies, etc.

Invested funds don’t just sit there – they are managed. For example, assets are purchased at the time of their minimum value with the confidence that they can be sold profitably during a price rise. Thus, the task of mutual funds is to relieve the investor from the difficulties of independent investing, making money for both him and himself.

Advantages

• During periods of market growth, profitability can be up to 50%, and in some cases up to 100%.

Flaws

• Mutual funds are not equally profitable in different economic periods. In times of crisis, the yield (9-10%) on them is inferior even to bank deposits. That is, with 100 thousand in a year you can earn only 9–10 thousand rubles. So with mutual funds it is better to wait for better times.

Buying gold

A fairly reliable investment is investing in the purchase of gold. But the reliability of such investments lies only in saving money. Naturally, you need to buy gold when its price falls, and sell it during periods of rising prices. We are not talking about jewelry, but about bank gold.

Advantages

• Investments based on growth can be quite promising - you just need to wait for such growth.

Flaws

• The rise in the price of gold, which continued until 2012, has stopped and, having fallen slightly, remains stable. Thus, from an investment point of view, buying gold is not interesting now. However, this does not mean that you do not need to monitor the state of the gold market.

Endowment life insurance

Insurance against unforeseen circumstances, which differs from ordinary insurance by combining insurance with the preservation, accumulation and increase of capital. With regular insurance, a certain amount is paid if an insured event occurs.

If you choose accumulative insurance and nothing happens to you during its validity, you will receive the accumulated amount in a lump sum or will receive monthly payments for the rest of your life. Naturally, this method of investing cannot be considered highly profitable, but it has clear advantages.

Advantages

• The main advantage is, in fact, insurance for the situation specified in the policy, which you will not receive with other types of investment. You will be able to gradually. At the same time, some insurance companies have adopted a condition under which a person who has received a disability group is completely exempt from insurance premiums, and the company pays him the amount that was agreed upon in the contract.
• You will make contributions periodically, this will become a habit, which, without negatively affecting your budget, will help you collect good capital.

Flaws

Insurance programs are concluded for a period of at least five years; termination of the contract before the expiration of this time will lead to the loss of part of the money. You can’t call endowment insurance a pure investment - it’s rather a way to discipline yourself in order to raise money, for example, for a child’s education or for some expensive purchase.

Own business

This path is fraught with risk, but with the right investment of 100,000 rubles, you can organize a viable and profitable business, such as a workshop, hairdresser or online store. It is quite possible to purchase a ready-made business - it all depends on your abilities and ability to run your own business.

Advantages

• If you calculate everything correctly, your own business can increase your initial investment tenfold. In addition, you will get the opportunity to do what you love.

Flaws

• You will have to devote all your time to the business, take risks and calculate every action, and the result may be disastrous.

Education

A good education can be considered an investment tool with which you can secure a comfortable future for yourself. Knowledge is priceless, and it is impossible to do without it now. Along with your education, your attractiveness as a candidate for a prestigious position will increase.

Advantages

• They seem obvious - with a fishing rod in your hands you can catch as many fish as you want. The main thing is to choose the right direction in which you could improve.

Flaws

• If you are already sufficiently educated and confident that your knowledge is sufficient, this method is not for you. In addition, there is no way to get rich quickly - this method of investing in yourself is long-term.

As you can see, there are a sufficient number of opportunities to earn money by investing even relatively small amounts. The main rule of investment should be a mandatory understanding of what risks await you when using various instruments. Do not invest your last money in any risky ventures.

Relatively speaking, if you only have 100 thousand rubles in savings, we would not recommend investing all this money in PAMM accounts. Put 90 thousand on deposit in a reliable bank, and experiment with 10 thousand for your health. On the other hand, being overly cautious should not stop you. Take action - this is the only key to success.

In this material:

For an enterprising person, money is a tool for earning new capital. Knowing where to invest 100,000 rubles to earn money can provide everyone with passive income or their own business.

Bank deposits

The simplest way to save and increase 100,000 rubles is to invest them in a bank. This is the most reliable option to make money on this capital without doing absolutely anything and without risking. But the interest on deposits offered by all banks is slightly higher or comparable to the level of official inflation. And they are absolutely incomparable with the real inflation rate.

An alternative to ruble deposits can be deposits in foreign currency. Throughout the history of our country, the ruble has become cheaper against the dollar and the euro. And only over a period of time it gradually strengthened. Considering that foreign currency deposits also earn interest (albeit less than ruble deposits), they can be considered as a very profitable option where to invest 100 thousand rubles. Especially during periods of economic recession in the country, when the domestic currency can quickly fall in price.

Metal bank accounts are also a good way to invest 100,000 rubles. This type of investment is similar to investing in precious metals. In this case, the deposit amount is converted into a certain amount of precious metal at the current exchange rate. At the end of the deposit period it is converted back. If, for example, gold goes up in price, one hundred thousand will also go up. The benefit of a bank deposit is that the difference between the purchase price and the sale price of the precious material is minimal, and often completely absent. In jewelry stores, the cost of buying gold can differ by 2-3 times from selling it. That is, everything earned over the years will go to the jeweler’s profit.

Securities

Purchasing shares of enterprises and organizations is a profitable way where you can invest 100 thousand rubles. However, it is not as complicated as it seems at first glance. In the USA and Europe, enterprising housewives invest their savings in stocks in order to save a decent amount by retirement age.

The basic rules of investing in stocks are simple. Firstly, long-term investments pay off much more often than short-term ones. Example: shares can rise and fall in price over the course of a year, but over the course of 5-10 years they often increase significantly in price.

Secondly, all the money is not invested in the same stocks. They choose 2-3, or even up to a dozen different stocks, thus forming an investment portfolio. Even if some shares lose value, the profits from the rest will offset the losses.

Thirdly, shares also bring annual profits - dividends. Some shares can bring up to 15-20% of dividends from the profits of the company that issued them.

For those who are serious about investing in securities, you can consider investing in mutual funds. Mutual investment funds (MUIFs) accumulate the funds of their investors in order to invest them profitably in the stock market. The issue of purchasing or selling securities is resolved by a team of professionals trained in accordance with the standards of the Federal Financial Markets Service. Thanks to professional fund management, the risk of loss is minimized.

Small business

You can invest 100 thousand rubles in your business. This can be a very profitable investment, but it requires some hard work yourself. Those who believe that investing this amount is not enough are mistaken. One hundred thousand is a fairly reasonable amount for a small business with several employees.

There are many examples:

• sewing workshop at home;
• cell phone repair shop;
• tents selling ice cream, newspapers and magazines, all sorts of useful little things.

When starting your own business, it is important to calculate the risks. First of all, you need to have fairly deep knowledge in your chosen field of activity. If you rely on hiring hired specialists, the lion's share of the profit may go to paying for their labor. Confidence in the sales market is also necessary: ​​the product or service must be in demand in the area where it will be offered. If there is already strong competition in the proposed sales market, this can complicate matters, or even lead to bankruptcy.

A less risky option to invest 100,000 rubles to earn money is franchising. Purchasing a franchise will allow you to open a guaranteed profitable business with a minimum investment, quickly recoup it and earn stable income in the future. Many franchises cost well over one hundred thousand, but offers with prices around this amount are not uncommon.

In addition to your own business, you can invest 100 thousand rubles in someone else’s business. In this case, all the troubles and labors will fall on the shoulders of the business initiator. The investor will only have to control the process. But even in this case, you should carefully calculate the risk of others, check all the documents, fill out the paperwork so as not to fall for the scammers.

A modern version of business is Internet projects. Investing 100,000 rubles to make money on a commercial website or online store is quite a profitable and interesting business. The bulk of the initial capital will go to pay specialists who will develop the site and promote it.

One of the oldest types of income with which you can invest your capital is reselling things. Choose a popular product, compare prices from different stores and find a similar one at a lower cost. This could be, for example, a manufacturer from China. Then, using electronic bulletin boards, find buyers for it.

other methods

Many great entrepreneurs believe that money spent on education is the best investment in the long run.

When we invest one hundred thousand in acquiring a new profession, improving qualifications, it seems that the money is immediately lost. However, throughout the rest of your life, a new profession or new skills will help you earn a living or acquire additional income in addition to your main one at any time.

One hundred thousand or less can be loaned at interest. You can lend money for long periods at low interest (comparable to bank interest) - this will bring a small but stable income with almost no risk. Or in small amounts for short periods of time, as pawnshops or microfinance organizations do. The income is higher, but the risk also increases. If in the first case a well-executed receipt or agreement is enough to protect your investments, then in the second it is advisable to secure yourself with a pledge.

PAMM accounts

An even more profitable and risky activity is investing in PAMM accounts. Profitability can exceed 20% monthly. Join our group In contact with to find out which are the most profitable and least risky accounts with returns of 20% per month.

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