How to make a profit from money. Where to invest money, or the most profitable investments. Proper investment will help the investor

The first most popular and most commonplace type of investment is in banks. I don’t consider it at all as a type of investment due to the very low income. For me, a bank is just a storage facility for money, which is a little better than storing money “under the pillow” at home - a bank is more reliable and brings in at least some pennies.

I keep money in the bank only as a financial cushion with the amount of funds for living no more than for the next 6 months. For all other funds, the bank is used as a transfer point, after which the money goes into other financial instruments.

Still, if you decide to use a bank as an investment instrument, then you must remember that it is better to distribute funds among banks in such a way that each contains an amount of no more than 1,400,000 rubles, because insurance only covers this amount of funds. Naturally, you need to choose a bank based on reliability and popularity - you can look at this in all sorts of ratings and work with the top ten banks. If you really want reliability, then it is better to choose banks where the state is a partial owner - it is unlikely that the state will stop the activities of its bank. These are banks such as Sberbank, Rosselkhozbank, VTB, etc.

I use 4 banks: Moscow Credit Bank, Tinkoff Credit Systems, Sberbank, VTB.

2. Investing in real estate

A popular type of investment. Usually, if you ask a person “what to invest in,” most people will think of real estate.
Many people first think about real estate because of the banal point of view that if you have free money, then for fear of losing it, it is better to invest it in real estate, and there it will definitely be saved. Many simply do not consider real estate as an investment instrument specifically for creating money, but approach it from the position of saving money. But if we consider real estate specifically as an investment instrument, then it is far from simple, it requires knowledge, experience, it freezes money for a long time and the profitability is not always stable and high, and also requires a large initial capital. If you invest borrowed money, then you generally need a lot of experience, which is clearly not suitable for everyone.

If real estate is considered as an investment instrument, then I would recommend considering buildings at the “pit” stage, because they can give maximum profit. Especially if it is an investment in luxury housing. At the “pit” stage, it can cost 10-15-20 million (in Moscow), and after construction it will cost 30-40-50 million - there are such examples.

If you plan to earn income from renting in the future, then it is better to buy a lot of one-room apartments (near the metro - this increases the cost of rent).

Be sure to study the infrastructure of the area and its future for the next 3-5 years. It is the infrastructure that greatly influences the possible profit in this type of investment. .

3. Investing money in MFOs (microfinance organizations)

An excellent way to invest for those who want to receive reliable passive income, but are dissatisfied with the very small percentage in banks.

Advantages and disadvantages:
+ high annual percentage: 12-30%
— a fairly high entry threshold for individuals (this threshold is regulated by the state), i.e. with small amounts you simply do not have the opportunity to try this method;
— you need to carefully choose an organization, because no state deposit insurance; but the principle applies here: the larger and older the organization, the more reliable it is, but you must also remember that a reliable organization will not give you a very high annual percentage.

4. Investing money in mutual funds

You invest money in a fund where it is professionally managed by a company. In my opinion, the instrument has a very average return, but in principle it is stable. The main thing is that there are no serious fluctuations in the securities market (if you have chosen a mutual fund with securities that are the most popular). If you look at the statistics, after the 2008 crisis, mutual funds returned lost money to investors only by 2011-12, i.e. if you invested money before the crisis, then you got back the invested amount without losses (and, of course, without income) only after 3-4 years.

From my experience, I invested money in the Telecommunications Mutual Fund from TroikaDialog and in a year and a half it gave +44%. Then the fund came under Sberbank Asset Management, then I withdrew money from the fund.

There is a lot of detail about mutual funds in my articles:

5. Binary options

Binary options are options that either provide a fixed amount of income or not, depending on the fulfillment of a specified condition at a certain time. Here I recommend Binarium. They turned out to have excellent service and an interface that was clear to me, but I’ll make a reservation that I’m not a professional on the topic of trading. With the help of this service you can really earn quick money, but you can also lose it :-) For professionals in the field of exchange rates, there is an opportunity to earn money, and for non-professionals to quickly “play” and also earn money.

Screenshot to get started:

Screenshot after an hour of work (look at the balance):

6. Investing money in business

Of course, I understand that business is not just an investment in the form of “invest, forget, and get a profit.” This is possible, but this applies more to foreign countries. If we take Russia, then, in my experience, you cannot completely rely on people and, nevertheless, you yourself need to take part in the main decisions for effective business development.

Of all the instruments, business is the most highly profitable. The main risks are at the very beginning. Then, if the business grows, then the income increases, and the riskiness of this instrument decreases. Plus, this is a very exciting and interesting tool - it’s not for nothing that hundreds of thousands of books about business have been written.

If you have nothing to start your investments with, then business should become your first instrument and generator of income, which can then be distributed to other financial instruments.

1) the main thing is don’t be afraid to start;
2) choose an existing market to work on; the likelihood of creating a new market is very small;
3) choose a working business model that you saw somewhere - inventing a new one is extremely risky. Implementing a ready-made business model, only a little better than others, is much easier than “building a new bicycle”;
4) do not choose mass markets with high competition - you need to start with something small, otherwise when you listen to someone, you often hear that if someone wants an online store, then immediately equipment, phones, etc. , and people don’t understand that the margin there, God forbid, is 10% and in order to make money, you need to have very good turnover;
5) if there is no money at all, start with the services business, and not with the goods business - at the initial stage it is less expensive and less risky, but then it will be more difficult to scale it and improve the quality of the services provided, especially if the service is complex, multi-stage, etc.

In short, business is a must:) This is the main financial instrument.

As John Rockefeller said: “If you don’t have enough money, you have to do business. If there is no money at all, you need to start a business urgently! Right now!"

7. Investing money in securities

Using this tool requires certain professionalism and skills. Of course, there are many examples when shares of some companies in a short period of time (for example, 5 years) grew in price by 5-10-50 times or more - and it seems that this investment instrument is very promising. This is, of course, true, but we must remember that you need to understand this well and such examples of growth are rare, and no one advertises hundreds of other companies that have gone bankrupt. In my opinion, it is more profitable to trust a professional manager with a good history of profitability.

I myself use a Tinkoff Bank brokerage account. I sometimes buy shares. I invest extremely conservatively.

Over the last year, as of June 20, 2018, the income was 13.98%. This is almost 2.5 times more than the income of bank deposits in state banks.

8. Investing in precious metals

Investing in precious metals - such as gold (), silver, platinum, palladium.

You can go several ways:

1) Purchasing bullion from banks. Remember that if you sell them you will have to pay a tax of 13%.
2) Purchasing precious coins. The main supplier of this kind of coins is Sberbank.
3) Purchasing securities that are backed by gold through stock exchanges.
4) Opening an impersonal metal account. This is an account in which metals act as currency. At the same time, in reality you do not have any metals on your hands. Everything is conditional. Making a profit is possible if metal prices rise.

I myself participated in a typical hype - MMM, when there was a resuscitation of this system after the 90s. I made up my mind in the end, but nevertheless remained in the black: + 150,000 rubles is what I withdrew as profit, and another 40,000 were supposed to be paid, but were not paid. In short, I remained in the black, but this extremely risky type of income is not for me. They can play with small amounts, like investing $200 and being lucky - getting $400, or getting nothing :) I think it’s more interesting and faster to play in a casino :)

12. Investing money in cryptocurrencies

Who hasn't heard about cryptocurrencies now? Even the lazy one heard it. The topic is, of course, interesting, but very volatile and highly susceptible to panic.

I have my own crypto portfolio. I entered the market after Bitcoin began to cost $4-5 thousand. This was sometime in September 2017. Then I invested in different altcoins, tried to study the information, drew conclusions, read analytics, listened to YouTube “experts” :-) There were ups and downs. Redistributed the portfolio. I bought information from all sorts of closed services about what will grow and what won’t, etc. Invested in one ICO.

In short, there were a million actions and nerves, and the result was this:

At the time of entry, I bought almost 2 bitcoins. Now I have about one bitcoin :-) The money is approximately the same or even losses from the moment of entry. At the peak, I had about $33 thousand, which I did not convert into money, then I unsuccessfully repurchased a couple of times, etc. Now there are about 7 thousand $ left :-)

In general, the topic didn’t go well for me or I did everything at the wrong time. But I have a briefcase, maybe in a few years it will work :-) or I’ll lose it... :-)

13. Investing in sites of various types

Investing in websites is also one of my favorite topics because:

1) no large investments are required;
2) high rate of return on investment;
3) high profits;
4) the ability to do everything “with someone else’s hands” without serious risks of “handjob” on the part of the performers, and therefore a good opportunity to scale the process.

But the downside is that you need to understand this and be “in the know.” You can’t just go ahead and make money on a website without understanding the principles and methods of monetization. Or you can, but it’s a ridiculous $20-50 per month.

14. Investing money in sites under CPA (Cost Per Action) affiliate programs

You are paid a reward for a certain action by the user, for example, for purchasing a product, for registering in an online game, for completing a tour, for applying or issuing a credit card, and many, many other options.

The essence of the method is simple - a website is created, thematic traffic is driven, an affiliate program is placed and money is earned. For example, create a landing page for credit cards, where you describe 3-5 offers and provide affiliate links. If the bank approves the application submitted by a user of your site, you receive a reward of 400-1200 rubles per application (the price depends on the conditions of each bank). Another thing is that driving this financial traffic costs some effort.

In any case, such affiliate programs are very profitable. The main thing is to be able to choose the right affiliate program, niche, and drive traffic.

15. Investing in MFA sites (Made For Adsense)

In short, these are sites designed to make money from contextual advertising. It is impossible to make normal money from this, i.e. alternative ways of earning money will bring more. But there is an advantage to this type of earnings - it is the ability to install an advertising unit on the site immediately (this applies to Adsense) from the moment of creation, in YAN there are more requirements. This way, the site will immediately begin to bring something. From my experience, there really isn’t much money (depending, of course, on the topic), but medical traffic that is close to me gives approximately the following result - every 1,000 people per day bring about 1,500 rubles per month (provided that contextual advertising costs adequately, and not at half the screen after the page loads).

16. Investing money in sites with links

A mega popular type of earnings is the sale of links from the site, both rental and “eternal”. Investments in this type of income used to be very, very popular, and there was a high return. I myself made a lot of money from this: as an example, I’ll give a screenshot of the income of some of my sites (I started taking a screenshot - I saw that one site was banned - eh...):

In general, the number of sites matters here. At this stage of development of search engines, my income from this type of earnings has seriously dropped. I'm not betting on him now. Here is a screenshot of the income dynamics of one site over the years. In principle, this is the case for all sites.

Another disadvantage of such earnings is that after such monetization the site can be thrown into a landfill. And while it is monetized in this way, there will not be a large amount of traffic for other ways of earning money. Therefore, this monetization method is suitable if it is impossible to earn money in another “cleaner” way.

As of 2019, I sold almost all of my sites due to low income. We can say that this type of income no longer works.

17. Investing in phone apps (Android, iOS)

In principle, it’s a normal topic if you know how you can make money. The easiest way to make money is on simple applications that can somehow help in life. Or apps that aggregate useful information in one place on a specific topic, or free apps that upsell something during use. This can be collected on freelance for 30,000-50,000 rubles. In companies, naturally, it is more expensive. In this type of earnings, the idea of ​​this application is important. God forbid you try to repeat the success of some Angry Birds (by the way, the company that made this game had previously released several hundred! unpopular games) - this, firstly, costs a lot, a lot of money, and, secondly, if the idea fails, you will lose a lot.

18. Investing money in various public pages on social networks

My experience in this area has so far been unsuccessful, i.e. More money was spent on the development of the public than it brought in. Naturally, I outsourced everything and didn’t touch it myself. In principle, you can earn quite well from public pages, but you need ideologically active performers (in the case of outsourcing), if you are one, then this type of income can be very promising for you. It does not require large investments - mainly only at the initial stage, then you can gain subscribers by exchanges. The quality of public content is very important.

If you choose a public topic, it is better to choose the most popular ones for a wide audience - then you will have the maximum number of advertisers who will want to advertise with you. The most monetized and popular public pages are about success, psychology, relationships, money. By the way, based on a popular public page, you can set up a good sales channel for your business, but only on the condition that your product is for the masses and has a low average bill (for example, phone cases, T-shirts, small jewelry, inexpensive children's clothing, etc.) .

19. Investing money in your own development

I left the most important thing for last. Investing money in yourself is the most, most super important decision in your life, with the help of which you can always make money. Develop yourself, read, attend seminars, buy information products, go to trainings, and most importantly, then try, try, try to implement what you were taught there - of course, they don’t teach effective things everywhere - your task is to weed out nonsense and build effective skills into yourself one area or another. You will develop skills that will always be yours, no one can take them away.

This is the most risk-free investment and the most profitable - just an investor's dream, which is low-cost and accessible to everyone.

Without investing money in your development, everything else is practically meaningless. Investing in yourself is like a powerful catalyst in a chemical reaction (hopefully, remember a little chemistry).

I will be glad to receive comments on the article :) Good luck to you!

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Real estate, business.

Bank deposits

This is the simplest, most basic and reliable way of investing. You give yours to the bank under a certain percentage. Bankers “scroll” this money by investing in other financial instruments. For which you receive a pre-agreed percentage of profit.

For example, you invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but at 20% per annum. As a result, the bank returns your funds to you with accrued interest after a year, and pockets the remaining difference.

The advantage of investing in a bank is that you know exactly how much money you can get after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular deposit using a deposit calculator, and if you need to calculate the amount of overpayment on a particular loan, use a loan calculator.

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way of investing. In short, mutual funds are a collective financial instrument when investors’ money is invested in one large pot and then professional managers increase this one large amount of funds using various methods.

The funds of shareholders (as those who have invested their money in a mutual fund are called) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but managed. Any fool can just buy shares. The task of professional managers is to find stocks that have fallen in price at the time of purchase and are likely to rise further.

In order to determine this probability, technical and fundamental analysis is used, the economic situation is studied both in the world and in a particular region, news is monitored, as well as many other parameters that are too complex for the average person.

This is the essence of mutual funds, to save people who are ignorant in these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is easier to transfer this money to those people who are immersed in the topic of investing headlong and have extensive experience behind them. At least at the initial stage.

Next, as your experience in financial matters grows, you can begin to buy stocks, bonds and other investment instruments on your own. We will talk about this in more detail a little later, but for now let’s return to mutual funds.

Compared to other financial instruments, investing in stocks is more profitable in the long term, but at the same time it is also very risky.

Here you need to constantly keep your finger on the pulse, monitor the situation in the markets, so as to prevent the loss of capital in the severe fall of financial markets that occur during various crises.

To more clearly understand what kind of profit you can get from shares, watch the video “How to earn 678% profit on Sberbank shares.”

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are risk averse. It is very difficult to make a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, this financial instrument can hardly be called a profitable investment.

However, this does not mean that money should not be invested in bonds. The point is that it is not recommended to “keep all your eggs in one basket.” Experienced and successful investors always distribute their funds across several different instruments in order to reduce their risks.

Imagine, you invested all your money in shares, but after some time there was a crisis in the market and their prices fell. At the same time, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but will win on other instruments. But let's get back to bonds:

A bond is a debt security that confirms its owner’s right to receive a certain amount of money from the issuer.

And in order to understand how to correctly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from English.FOReign EXchange- foreign currency exchange) is a market for interbank currency exchange at free prices.

The essence of Forex is speculation with the currencies of different countries. For example, you bought 100 euros for 90 dollars. And after some time, these 100 euros were sold for 120 dollars. Thus, earning $30 on this transaction.

In Forex, trading always takes place in currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state is not receiving profit, but the country must be supported somehow. Since Greece is part of the European Union (EU), everything in this country is bought and sold in euros.

Thus, the instability of the economy of one state influenced the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro relative to the currencies of other countries. It is on such movements that money is made in Forex.

This method of investing can only be called profitable if you trade Forex yourself, when you already have extensive experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune on Forex. But there are millions of those who tried to get rich from this and went broke. Draw your own conclusions.

Endowment life insurance

This method of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program for accumulating, preserving and increasing your capital.

If regular insurance simply pays you a certain amount in the event of an insured event, then in this case, if nothing happens during the entire period of the contract, you will be able to receive either the entire amount accumulated over these years, or receive a monthly payment until the end of life.

OFBU

OFBU stands for General Funds of Banking Management. In essence, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing money in OFBU you have the opportunity to increase profits through wider combinations of investment funds. On the other hand, it is more risky.

There were cases when OFBU showed a profitability of 600% per annum. However, the main problem is that the activities of OFBUs are little regulated by law, which is why they are less subject to control, unlike the same mutual funds.

There are also cases where the short-sighted activities of managers led to the complete collapse of the OFBU.

You can read more about the activities of general banking management funds here:. On my own behalf, I will add that at the moment it is best to invest in OFBU such an amount of money that you will not mind losing if something happens.

Hedge funds

I’ll say right away that in our country this is a relatively new and not sufficiently developed financial instrument, which is available only to wealthy clients.

The minimum entry amount here ranges from several hundred dollars to a million. In the West, hedge funds are extremely popular.

Hedge funds do not have strict regulatory regulation, which allows them to freely choose enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super-profits and colossal losses.

One of the most striking examples of hedge funds is the Quantum fund, whose founder is the notorious, who was able to make a profit of $1 billion in a day!

Structured (structured) products

A structured financial product is a complex financial instrument, which is issued, as a rule, by commercial and investment banks and is created to meet the specific needs of clients.

This financial instrument became especially popular during the crisis. After all, when you invest money in a growing market and constantly receive good profits, this is one thing, but when the situation in the markets is not stable, especially during crises, many investors try to find reliable ways to invest funds, which will give them greater profits than bank ones deposits.

The essence of a structured product is simple - part of the funds, usually 80-90%, is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst case scenario, to stay with your money and not lose anything; in the best case, make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

Although, again, what to compare with. For example, the most successful investor in the world, Warren Buffett, has provided his clients with about 24% per annum over the past 35 years. 24% per annum doesn’t seem like a lot, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal was a symbol of wealth and power, so it became the cause of quarrels, robberies, murders and even wars.

Gold should not be considered the most profitable way to invest, despite the fact that it has risen in price in recent years. The fact is that most often gold acts as a refuge for investors in difficult times.

When crises dominate the world, in order to wait them out, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis subsides, investors immediately look for more profitable ways to invest their funds. This is what causes gold prices to rise in difficult times. But then, the price of precious metals inevitably falls.

Real estate

Real estate has always been a profitable way of investing. Not only does real estate itself not depreciate in value and, as a rule, only increases in price from year to year. But real estate also allows you to receive passive income from renting it out.

True, there is one serious “but” here, which is the high cost of real estate. Essentially, this is an investment for wealthy people. This is why this method of investment should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

True, there are exceptions. For example, you can profitable investment to real estate at the stage of its construction. At this time, as a rule, there is no need to pay the full price for housing and you can pay a certain part monthly.

Thus, if you have the opportunity to contribute the required amount and this will not affect the quality of your life, then you can safely look for suitable options. The fact is that at the construction stage, a square meter of housing costs much less than later, when the construction is completed.

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profits changes. The riskier a financial instrument, the greater the return it can bring. However, as well as a loss.

Each of these financial instruments has its own advantages and disadvantages. And under different life circumstances, it is worth choosing the best ways to invest. But, for myself personally, I have already determined the most profitable way To invest money– this is business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments are not up to you. They depend, for example, on the current market situation, on conditions determined by other people, on the financial results of a particular company, on the actions of speculators, on marketers developing certain financial products.

Creating your own business is entirely yours.

Here you set the rules by which you will play. Here you decide what income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word remains with you, even if you decide to sell it.

In 2007, I opened my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressing salons, in which I installed a solarium, all the necessary accessories, appointed an administrator and began to earn money.

This business has many advantages. I will talk about them in the next issues. For now, I just want to draw your attention to the fact that this business has brought me good dividends. I received more than 100% per annum in a year.

It was a great challenge in which I was able to showcase many of my talents. Organizational skills, management skills, design talents, tested my advertising vision.

I regularly conducted various marketing studies, collected analytical data, conducted negotiations, looked for suitable premises - this is only an incomplete list of those areas in which I applied my knowledge and experience, or mastered new horizons.

When you work for hire, you don't have as much responsibility as in your own business. These are very different measures. Wage labor is someone else's. Your own business is your own. You are your own boss. You decide how and when you work and not work. You don't have to answer to anyone. This is fantastic condition.

By creating your own business, you feel like a creator, artist, poet. You create your own product or service. And only you are responsible for its quality. It was a very interesting period of life, when I had to worry a lot, rejoice, worry, stress, and enjoy what I had done.

Creating your own business is very strengthened my self-confidence. If before this event, I had many complexes, fears, worries, doubts, prejudices, then after I organized my business, they melted away like smoke. I'm stronger. I have become stronger. I've grown up.

Why am I saying this?

In order to convey to you the idea that by investing money in your own business, you receive not only material benefits in unlimited quantities, but also develop in many areas of life, including personal and professional growth.

It is unlikely that you will achieve similar results by investing in deposits, shares, mutual funds. Therefore, if you have Free money And you are looking for where to invest them, then think about starting a business.

If you don’t have free money yet, then urgently start leading in order to collect initial capital. I have a topic on this topic that will help you in the near future accumulate initial capital to create your own business.

Personally, I did not take out any loans from banks, nor did I borrow money from friends and acquaintances. Everything I invested in my own business was the result of my effective management of the family budget.

Now, I am already developing several businesses. It's very interesting and exciting. These projects bring me much more profit than when I was employed. These businesses bring me more money than bank deposits or any other financial instruments.

At the same time, I am completely “violet” about crises and everything that happens in the world.

This doesn't affect my income in any way. This does not mean that I do not work with other financial instruments. Part of my funds is in bank deposits, part of the funds is invested in shares of various companies, and I regularly purchase additional assets that interest me. There are also investments in mutual funds and pamm accounts.

I regularly monitor what is happening in the financial markets and, depending on the situation, make decisions about buying or selling certain products. Investments are a very interesting and large topic in which there are no limits to perfection.

Dispatch

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

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! 👍💵👍

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Hello, dear readers!

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

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

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

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

Trust management technologies

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

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

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

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

Projects

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

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

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

I wish you all profitable investments!

12.02.2016 22.04.2016

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For those who are wondering where to invest money in 2019, expert advice will help them receive monthly income and ensure their financial well-being. Creating sources of passive income is the first step towards the life everyone dreams of. What investment tools exist and where is it really worth investing?

Where is it profitable to invest money so that it brings profit?

For those who are confused about where to invest money for passive income, I offer 13 best ideas that beginners and experienced investors follow.

- Bank deposit

Where is it profitable to invest a little money - a question that will be relevant at all times among prudent and thrifty people.

A bank deposit is a very popular investment option that is available to everyone. This option is perfect for you if you don’t know where to invest money on the Internet without risk. This method does not require any special knowledge or skills. The investor can read in advance the amount of his income and the time frame within which it will be received.

By investing an amount of up to 1.4 million rubles, you can be sure that in the event of bank bankruptcy or other force majeure circumstances, you will receive it, since it is subject to compulsory insurance. When investing a larger amount, problems may arise.

Negative points:

• Small annual percentage: from 0.1% to 9%.
• Due to inflation, profits may not be made.

Where is it better to invest money at interest in a bank with monthly income: top 6 best deposits

Where is it profitable to put money at interest, in which bank?
When choosing a suitable offer, evaluate the following criteria:

• expert rating of financial reliability from Expert RA, the National Agency;
• the period for which you plan to open the deposit;
• initial investment amount;
• annual return;
• the possibility of early withdrawal of funds and replenishment of the deposit;
• the presence of capitalization and the procedure for paying interest.

The following banks offer the most profitable products today:

• "Renaissance Credit" - up to 8.5% from 30,000 rubles.
• "Absolut Bank" deposit from 10,000 rubles at 8.5% for 367 days.
• "Otkritie" - offers up to 8% per annum.
• “VTB24” - deposit “Savings account with multicard” up to 8.5-10 from 1 year.
• “Super deposit” in “MTS Bank” at 8% per annum for 181 days from 50,000 rubles.
• “All Inclusive Maximum Income” contribution from MKB at 8% of 1000 rubles.

- mutual funds

Where to invest money for passive income? It is best for inexperienced investors to start with mutual funds, since this instrument allows them to earn income without having extensive experience and economic education behind them, entrusting all the concerns of asset management to competent portfolio managers.

Sberbank mutual funds

Investors who are familiar with how the stock exchange works and have an understanding of securities, stocks and bonds choose to increase their capital through mutual funds. You yourself can choose a manager to whom you are willing to entrust your money, based on positive statistics, reliability and profitability ratings, work experience and recommendations.
Positive points:

• assistance from professional portfolio managers;
• receiving a higher percentage than on deposits (from 10% and above);
• minimum investment amount from 1000 rubles;
• diversification of assets and reduction of risks.

• “Global Internet from Sberbank Management Company” (42%);
• Raiffeisen - IT (34%);
• Alfa Capital Technologies (32%);
• “April Capital – 2nd tier shares” (26%);
• "China from Management Bank Otkritie" (24%).

Where is it more profitable to invest money at interest for pensioners? Sberbank Asset Management has a high reliability rating and offers a large selection of mutual funds, each of which specializes in a specific area - stocks, real estate, bonds, gold. It is possible to choose an offer based on risk level:

• short;
• average;
• high.

Articles on the topic: Sberbank mutual funds for private clients: instructions for purchasing shares + review of profitability,

- Investments in real estate

Where do rich people invest their money? Investments in real estate are suitable for those who have large available sums and do not expect quick income. Purchasing real estate is a very successful and least risky investment, since apartments only increase in price from year to year. In addition, it can always be rented out, which will bring about 7% per annum.

The disadvantages include a large initial investment and lengthy paperwork.

Watch a helpful video about real estate investing

- Precious metals

Where is it profitable for an individual to invest money? In recent years, buying gold has gained popularity as a type of investment. It can be purchased in bars weighing from 1 to 1000 g in a bank and stored there by creating a special account. The investor's income is generated due to the rise in price of precious metals on the international market.
But both platinum and palladium are not lagging behind in terms of the number of requests. Silver is slightly less popular.
The negative aspects include:

• capital increases slowly.
• you need to correctly determine the time to purchase precious metals, based on world events.
• the investment will pay for itself over a long period of time.

- Business investments

If you are thinking about where to invest your money so that it generates income, then take into account the opportunity to invest in a new or existing business. Opening any own business or acquiring an existing business involves risks. It is very important to evaluate all the pros and cons in advance, calculate the risks, competitiveness, target audience, location, average score. All these factors affect the profitability of a business. There are also a number of unpredictable risks.

The negative side of this method is the lack of 100% guarantees, since the invested funds may not bring profit, but also not return.

- Start-UP projects

Investments in young and promising startup projects are for experienced investors. After all, such activity requires sensitive intuition and knowledge. If you make the wrong choice, you can lose all your invested assets, but if you are lucky, even one such project can promise multimillion-dollar profits. You can find promising projects on startup exchanges:

Investments in startups

• napartner.ru;
• smipon.ru;
• boomstarter.ru;
• planeta.ru;
• startup.network/ru/startups/.

- Purchase of securities

Where is it profitable to invest money for the long term? Investments in financial instruments such as securities do not immediately bring profit. Their main varieties are stocks, bonds and Eurobonds.

• The share involves the contribution of a share in the capital of the company. It gives the right to receive a portion of the income and take part in the company's decisions.
• A bond is a debt security. But its holder will not be a co-owner of the company, but will become a creditor. The bond specifically states how much the holder will receive at maturity. If you don’t know where to invest a small amount of money with a guarantee of return, then federal loan bonds issued by the Ministry of Finance of the Russian Federation will be a reliable choice. The state is the guarantor of the payment of income on investments. You can purchase government bonds at 8.48% per annum for an amount of 30,000 rubles or more at Sberbank branches with the Premier service area.
• Eurobonds can be issued by the state and various holdings not in local, but in foreign currency.

To gain access to trading on stock exchanges (MICEX, NYSE Euronext, London Stock Exchange, etc.), you will need to enter into an agreement with a brokerage company. The intermediary will provide you with software to access the auction and will make transactions to buy and sell securities, charging a commission for this. Today the following brokers are the most reputable and popular:

• "BCS Financial Group"
• Bank opening";
• "Sberbank"
• "VTB 24";
• "Finam."

- Loans at interest from a private person

Where is it profitable for an individual to invest money in order to receive a higher interest rate than on bank deposits?
Private lending against receipt is a type of provision of money to the borrower in the form of a loan on special terms. This service is most often used by people who cannot take advantage of a bank loan offer. When lending to individuals, the interest rate can reach 14-30%. It is very important that the contract is drawn up correctly, all possible risks are weighed, and information about the citizen with whom it is planned to conclude a contract is studied.

- Game on exchange rates

A very profitable way of investing, which is organized with the help of intermediary brokers trading in the Forex market. The most popular currencies today are the US dollar, euro, British pound, Japanese yen, and Swiss franc. But the exchange rate is very unpredictable, and this is probably the only drawback. Among the most popular Forex brokers:

• "Alpari";
• Forex Club;
• Forex4You;
• Amarkets;
• Alfa Forex.

- Investing in works of art and antiques

Purchasing works of art is a good way to increase your money. True, for this you need to have a good understanding of it and attend various thematic exhibitions and events. Before purchasing, it is always best to engage an expert to assess the authenticity of the piece.

It is most profitable to buy art objects during difficult times for the country, wars and emergencies.

The most promising investments are in:

• paintings by young artists (Clare Price, Louis Fratino, Ben Gooding, Pippa Young, Michael Covello, Oleg Dou, Egor Koshelev);
• works of famous authors (Malevich K.S., Rothko M., Serov V.A., etc.)
• Mutual funds of artistic values ​​(closed fund "Atlanta Art", specializing in Bryullov's paintings);
• antiques;
• precious coins;
• stamps;
• icons;
• vintage jewelry.

- Internet projects

With the development of modern technologies, this area of ​​investment is gaining momentum and has already found its fans.
There are several ways to invest:

Internet resources of an advanced nature, with exceptional content, created for sale in the future;
personal website, which is the basis of the business and constantly generates profit;
financing the most profitable projects in your opinion.

You can purchase ready-made websites that are already generating income at an auction through the telderi.ru service. For example, a site with a monthly profit of 10,000 rubles can be bought for 35,000-124,000 rubles, and a site with a profit of 100,000 rubles is valued at 200,000-5,000,000 rubles.

- Binary options

It is the fastest method of making a profit. The main task is to correctly predict the price of an asset. Of course, this cannot be done without risk and careful analysis of the economic situation.
After some time, an assessment of the provided result is given. If the assumption is confirmed, then the profit can reach 65-85%.

- PAMM accounts

It works like this: the manager has certain accounts and invests his personal funds there. This is the manager's capital. Then he creates an offer to conclude a deal, and under certain conditions, those interested can invest their funds in his PAMM account.
The status of this account can always be checked, as well as the actions of the manager can be stopped. This distinguishes them from mutual funds.

- Investments in self-development: intelligence is your main asset

This is one of the most profitable, reliable and useful investments. Any acquired knowledge, experience, or learned a new language will open up new prospects in your career ladder and give the necessary impetus for new achievements.

- Bankruptcy auctions

Participation in bankruptcy auctions for individuals and legal entities allows you to buy movable and immovable property for pennies for the purpose of further resale. Some lots offer the possibility of purchasing real estate for 1% of the real market value of the property.

Bankruptcy auctions are held on the following electronic trading platforms:

• "Russian Auction House" (auction-house.ru)
• Sberbank AST (sberbank-ast.ru);
• “Implementation Center” (centerr.ru), etc.

Article on the topic: Auctions for the sale of debtors’ property: ways to make money

Where is it more profitable to invest money in Russia today?

Where can you invest money in Russia? Today there are many options for creating a liability for individuals. When choosing the appropriate option, it is important to decide on the available amount, the period for which you are willing to invest money and the level of risk that you are willing to take.

For novice investors, it is best to start with bank deposits, bonds, mutual funds, and investments in yourself. This option is suitable for short-term investments (1-5 years), it will allow you to protect your existing capital and get a small profit with a minimal level of risk.