The question of how to manage the accumulated money excites the minds of many people. How can you make the most of the little money? And what is the safest way of investing for a person inexperienced in financial subtleties?

Here we will consider several working investment tools for an investor of any level. Let's start with a simple one - a bank deposit, and end with securities. Let's start!

Opening a deposit account

The most common and traditional way to help save a small amount in the last hundred years can be called bank deposits. Indeed, opening a deposit is publicly available, you can start with 1000 rubles, making a deposit does not require special financial knowledge.

Here are some useful resources on deposits:

However, there are several nuances that should not be neglected:

• It is more profitable to open a deposit for a period of at least 3 months
• Higher income can be obtained if you do not withdraw accrued interest, but provide for a deposit with the possibility .
• Opening an account online through a bank's website often results in an interest rate increase of 0.5% - 1%.
• To open a deposit, it is better to choose a bank that provides minimum penalties for early withdrawal of money from term deposit.

Let's calculate, based on the average interest rate, how much income you can get if you place a small amount of money on a deposit, for example, 5,000 rubles.

• 1st year: 5000 + 5000 x 10% = 5500 rubles;
• 2nd year: 5500 + 5500 x 10% = 6050 rubles;
• 3rd year: 6050 + 6050 x 10% = 6655 rubles;
• 4th year: 6655 + 6655 x 10% = 7320 rubles;
• 5th year: 7320 + 7320 x 10% = 8052 rubles.

Of course, at such a rate, without replenishment of the account, it is possible to double the amount of the deposit in 7 years. But the unpredictability of the domestic economy cannot guarantee that over such a long period of time there will be no events that devalue the little money invested.

Therefore, our task is to consider more effective types of investments that can bring significant income in the second year of their application.

What is a mutual fund and how profitable is it for an ordinary shareholder

Financial analysts consider quite optimistic (mutual funds). The cost of "entry" to the fund can vary from tens to hundreds of thousands of rubles.

For example, the minimum cost of a share of 15,000 rubles, sells shares of 30 thousand rubles. However, even very small money can be successfully placed in a mutual fund by acquiring not a whole share, but its share.

The indisputable advantage of investing in mutual funds is their complete transparency and state control. Financial activities mutual funds is strictly regulated by law. Therefore, fraudulent schemes when investing in mutual funds should not be feared.

If you do not know what a mutual fund is, then we highly recommend watching the video:

The only problem an investor faces is the choice management company, which will effectively invest shareholders' finances in profitable papers. To do this, you need to carefully study the ratings of mutual funds, which are published quarterly in the media or resort to the help of a financial consultant.

Where to begin? Here are some helpful resources:

The end of 2014 can be significant for mutual funds in that they began to actively invest in shares foreign companies. Since the investment attractiveness of Russian sites is quite limited, the expansion of the market will bring unequivocal benefits to shareholders.

Raiffeisen Capital Management Company, which showed a 31.54% yield on its Raiffeisen USA mutual fund at the end of the year, supplemented its portfolio with US, Chinese and European stocks.

Considering that among valuable papers the most popular blue chips are present, we should expect high returns in 2013 as well.

The risk of losing financial investments in mutual funds is purely theoretical. Due to the fact that the invested money is distributed among different objects, the chance that all enterprises will go bankrupt at once is zero.

PAMM - high risks!

PAMM investment is in many ways similar to the placement of funds in mutual funds, the money is also transferred to the trust management of the account manager. Only this all happens in the virtual space, with the help of the Internet and the Forex exchange.

Opening PAMM-accounts today, many financial experts refer to the most priority types of investment.

The advantage of this investment can be called the fact that at first a small investor can invest a small amount in order to "taste" the possibility of earning money on the international currency exchange.

The initial investment in a PAMM account can start from $100. By transferring money to trust management of an experienced trader, the investor is freed from vigilant control over currency price fluctuations.

And since the trader's remuneration directly depends on the income received, it makes sense for him to earn as much as possible.

Again, even if the session is not very successful in one trading period, it may overlap the next day. The average profitability of PAMM accounts, according to statistics, is never less than 10-15% per month.

For an inexperienced stock trader, the best option would be to invest in Alpari. More or less stable company. Forex-Trend competitor turned out to be a pyramid scheme

Consider what effect can be obtained by the results of the month, if you place a small amount of $ 1,000. Dividing the money between 20 traders, we have twenty PAMM accounts with $50 each. If we take into account that such a situation is possible that not all accounts will have equally profitable trading, then at the end of the month it will be necessary to calculate the average profitability.

The average monthly yield is 11.21%, and at the end of last year, the profit was 177%. Thus, minus the commission that the PAMM account manager will have to pay, the net profit from the invested thousand will be a little less than $100.

You can withdraw the profit received at the end of the first trading week. But it will be more profitable for the investor to capitalize profits, i.e. adding it to the principal amount of the account.

Passive income: gold, securities, currency

It is impossible not to call one of the solutions to the question “where to invest a little money” investing in precious metals. The acquisition of gold, platinum or silver is possible either in physical form(ingots), or by opening a metal account.

Undoubtedly, precious metals have not fallen in price for many decades. However, a dramatic increase in prices in the gold market is not observed.

Therefore, investing in precious metals should be planned for a sufficiently long period and it is better not to limit yourself to one metal when opening a metal account: “split” the amount into gold and another metal.

The topic of investment in precious metals is the most interesting for us. Here are some helpful resources

Hello, dear readers of the business magazine site. Today we will talk about investments. If you have money savings that you can invest and earn on it, then why not do it today. We have prepared a detailed analysis of the banking sector and show you where to invest at a high interest rate with a guaranteed income. It is important that the money not only lies in a safe place, but also works for you and makes a profit.

From our article you will learn:

• Where and how is it better to invest money in 2019 and make money on it?
• Which banks give the best interest on deposits?
• Where to invest money from 50,000 to 1,000,000 rubles to get real income?

All methods are really tested in practice and, according to many experts, are more relevant than ever. Let's get started.

We will give advice in which banks to invest money at a high interest rate with a guarantee + an overview of the TOP 10 profitable niches for investing.

Where is it better to invest money in 2019: basic rules and expert advice

Where to invest money at a high interest rate with a guarantee? This question is asked by many people year after year. Unfortunately, the situation with modern economy now is such that the usual earnings are sometimes not enough even for the most necessary things for life, huh? All this makes people look for new ways to earn money, which, fortunately, are not so few.

How it was 5 years ago, how it is now and how it is likely to be in the future: there are several industries that offer investors a reliable source additional income. First of all, these are bank deposits and work with securities. Of course, all these methods require deep knowledge, skills, and in order for them to be profitable, a serious and responsible approach is needed. But on the other hand, with a more thorough analysis, they can bring a decent additional income.

Important: when planning where to invest money, it is always worth listening to the advice of more knowledgeable people who have already managed to gain some experience in this area. Also, do not underestimate financial risks: any enterprise has them, and they must be taken into account! And the rest will be done by patience, perseverance and luck!

Where to invest money at a high interest rate with a guarantee - TOP 10 niches + expert advice

Option number 1. Buying foreign currency

In order for the invested money to bring profit, it is necessary that they constantly move in various financial flows in order to work. The purchase of foreign currency is one of the most common industries today, suitable for earning. Moreover, the most purchased currencies are the US dollar and the euro. Most of those who invest in foreign currency, does this because of the stable exchange rate against the ruble, as a result, people are not afraid that the dollar will collapse sharply tomorrow.

This method of investment can be implemented in several ways, the main of which are banks, brokerage firms. If in the first case, only a passport will be enough, then in the case of the stock market, it will be necessary to sign a binding contract. By the way, on the stock exchange, in addition to the dollar and the euro, the Japanese yen also has high quotes, Swiss franc, British pound sterling and some other currencies.

The main advantages of this type of income include the following:

• High percentage of profit. In some cases, the profitability of this type of earnings can reach about 80-100%.
• Ability to avoid inflation. If you know how the currency behaves in different periods, you can reduce the likelihood of falling under inflation to a minimum.
• You can practice at any convenient time. Here, a person is not tied to various conditions, so you can buy currency at any convenient time.
• Sufficiency of information. It means that a person can go online at any time of the day and “monitor” the situation. Due to the visibility of changes in rates, you can decide in advance on further actions.

Tip: for the fastest increase in capital, it is better to invest in the US dollar, if the safety of funds is in the first place, then you should choose Swiss francs.

Option number 2. Investments in works of art (antiques)

You can invest money in various works of art both in order to preserve your material wealth, and in order to significantly increase them. But, despite all these obvious advantages, in order to invest in art, you need to have a good understanding of art, as well as be aware of current trends. But first about the pros.

The first, and perhaps the biggest advantage is simplicity. In order to become a member, you do not need to obtain any additional licenses or other permits. All you have to do is look through the current catalogs or visit the exhibition or gallery directly. After that, the authenticity of the object is confirmed by an expert and then the purchase is made. But when acquiring a piece of art, you always need to be prepared for the fact that it may take several years, or maybe more, so this is considered a long-term investment.

The disadvantage of this method is the fact that you will need to at least partially understand this area or, in extreme cases, hire a consultant. By the way, many investors work with consultants.

Advice: experienced experts advise taking this method of earning very seriously and, if possible, studying all aspects in great detail. And always, before buying, it is better to spend money on an invited expert than to buy art for a lot of money - an object whose value will be minimal.

Option number 3. Investing in startups in young Russian projects

Why are startups good? The fact that the very concept of "" means something new, something that no one has done or done before, but in a different way. In a word, any startup is interesting and exciting, as well as risky.

In general, from the point of view of profitability, investing in startups is considered quite profitable, but you need to be prepared for the fact that the result will not be visible immediately. In addition to the advantages of this venture, it is always worth remembering the risks, the list of which can be narrowed down to the following three points (in short):

1. High competition. There are many startups today, but only a small part of them will be able to break through, enter a niche and, at the same time, earn money. One of the main disadvantages of investing in startup projects is the fact that you never know if it will work or not.
2. Lack of business contacts. Unstable deliveries, malfunctions, jambs with the service - these are just a small part of the problems that can arise if there is no experience. Business connections and effective business: communications still mean a lot in the modern business world.
3. Changes in legislation. What does it mean? It's simple: most start-up projects are tied up with small initial investments, and some can even be launched only with the support of government programs. And in case governmental support will be canceled or will be added additional terms, the whole idea of ​​a startup may come to naught.

Tip: It's no secret that any business requires constant attention and dedication, especially when you invest your own money in this business. To get the maximum result, you need to constantly monitor current affairs day after day, constantly solve problems, participate in all important stages of the project. This is the only way to ensure at least some effect, including economic.

Option number 4. Buying a farm for cryptocurrency mining

Recently, more and more users are choosing to earn money. According to Coinmarketcap, every day the volume of bitcoin trading is about 112 billion dollars, and this is not the limit.

To come to grips with, you do not need to do anything complicated. First you need to register on any of the cryptocurrency exchanges, fortunately, there are a lot of them now. The most famous of these exchanges are BTC-e, Cex.io, IndaCoins, LiteCoin, LocalBoitCoins and others. The next step is to earn bitcoins.

The process of issuing Bitcoin cryptocurrency (from the English mining - extraction, receipt). Mining is the process of obtaining bitcoins, which is based on solving mathematical problems with working with large amounts of data. In short, the essence of the work of the miner is to choose from millions of options for one and only correct code, which is called a "hash". For such a hash, you can get up to 25 bitcoins, given that the cost of one bitcoin today is 450 dollars.

Of course, bitcoin mining is a complex and long process, but the result is definitely worth it. You can also earn on the difference in its value in the market.

Option number 5. mutual funds

The abbreviation PIF means Mutual Investment Fund- a concept that is absolutely familiar to everyone who understands at least a little how the stock exchange works. People who work with the stock exchange, as well as with stocks and bonds, very often choose mutual funds as an investment project.

From the point of view of the layman, mutual funds can be characterized as a joint (collective) investment of funds and subsequent management of capital flows. There are many pitfalls in the stock market, so it is better to trust money to a professional and qualified manager than to manage it yourself.

In short, this is the main point of investing in mutual funds: to invest free finances in the fund, and the manager is already further acting on the basis of his own skills and competencies. You can choose a manager based on his professionalism, qualifications and excellent statistics.

The main advantage of investing in mutual funds is that at any time, the investor will be provided with reliable support, and several options will be available at once for further investment and money management.

Important: One of the basic rules for investing in mutual funds is that you need to invest money mainly in those stocks and bonds that have lost their positions now, but may rise in price again in the future, which will allow you to get a good profit in the future.

Option number 6. Investment in the construction of private houses/cottages

Real estate has always been and remains one of the most profitable areas for investment. But construction construction is different. In order to get a truly significant profit, you must initially have a fairly large amount of money, and besides, you need to know in which objects to invest money.

According to research by Barkley, 42% of investors prefer to invest in completed construction and 33% in active construction projects. Despite the fact that at the start of construction, an object can cost 30-50% cheaper, only 7% decide to invest in such real estate.

Construction under wrapping just involves investing money in construction, which is at the start, and then, after completion of construction, sell this apartment at a market price, thereby doubling or even tripling the invested funds.

The main disadvantage of this method is the fact that initially you need to have a fairly large capital that can be invested. It is also worth adding numerous financial risks, exchange rate fluctuations and other factors, so it is obvious that in order to participate in such investments, an experienced consultant is needed who will advise where it is better to invest.

But on the other hand, if everything works out, the profit will be truly large, and all investments will more than pay off.

Option number 7. P2P lending

Private lending, or as it is also called (from the English. Peer-to-Peer) is a method that, in last years is in high demand. The essence of this method is that the lender provides funds to the borrower on certain conditions. Before investing in P2P lending, you should consult with a lawyer in order to draw up a competent contract. This agreement should clearly spell out all the conditions under which the loan is made, and should also indicate all the main financial risks that the lender may incur.

The advantage of this method is that thanks to this lending system, you can get a fairly high income, because the percentage of the loan can sometimes reach up to 50% per annum. If you calculate, it turns out that by lending a person, for example, 100 thousand rubles, then at the end of the agreed period, you can already get 150 thousand back.

Of course, in addition to the obvious advantages, there are also disadvantages. The main disadvantage of this method is that no one can guarantee a 100% refund. No matter how thorough the search and verification of the borrower is, in the end, he may simply not have the funds to repay the debt. And going to court is a troublesome and costly business.

Option number 8. Foreign exchange market (Purchase of securities, shares)

Work with foreign exchange market and, in principle, it is considered quite profitable, but it should be remembered that you will not have to rely on quick earnings. Investing in securities most often involves the acquisition of a portfolio of shares, bonds, and Eurobonds.

Shares are a type of securities that gives the right to participate in the capital of the enterprise. The advantage of acquiring shares is the possible profit (sometimes equal to 100% or even more) in the event that the share rises sharply in price. The disadvantage of working with stocks is, again, the absence of any guarantees, since no one knows what will happen to the company tomorrow. And the shares of large stable companies are sometimes much more expensive.

Bonds, unlike stocks, allow the owners of these securities to increase their capital gradually. This method cannot be called fast, but it is relatively stable and reliable. The purchase of bonds can significantly reduce the risk of financial losses, but at the same time, they have a much longer term than stocks.

And finally, Eurobonds. Eurobonds are a type of securities issued by large corporations and government agencies in currency denomination. The minimum rate for purchasing Eurobonds is $1,000. The main advantage of working with Eurobonds is the exchange rate difference. This means that the owner at any time can profitably invest and sell a Eurobond and at the same time not lose, but even win on a percentage of the exchange rate difference.

Option number 9. Endowment insurance

Endowment insurance in Russia is not as developed as, for example, in the United States of America, but even here you can turn endowment insurance into a way to earn money.

Generally speaking, in general terms, the scheme accumulative insurance can be outlined as follows:

• The client concludes a life insurance contract with an insurance company, which specifies the amount of insurance payments. After signing the contract, the client pays the insurance premium to the company, the amount of which he chooses on his own. The fee can be paid in full at once, or it can be divided into several parts and paid gradually. If for a certain period of time (necessarily prescribed in the insurance contract), nothing happened to the client, he comes to insurance company and returns his funds, and even with interest.

For example, in the West, the percentage of large insurance companies is 10-12%, in Russia, this rate, unfortunately, is still less, only 5-7%. But even this will be a decent bonus to the deposited amount, after a certain period of time. In some ways, this method is similar to the usual Bank transaction, except that in addition to the deposit, the client receives, first of all, the life insurance service itself.

Option number 10. Bank deposits

When it comes to where to invest money in order to receive passive income, the first thing that comes to mind is bank deposits. This is not surprising, since bank deposits are fast, convenient and more or less reliable (especially if you know which bank to put money in).

The essence of this method is to conclude an agreement with a bank, on the basis of which a person brings money to the bank, thereby not only saving it, but also increasing it. This method is beneficial for both parties, since a person, in addition to the deposited amount, receives additional interest, and the bank receives its own benefit when it puts this money into circulation.

The indisputable advantage of this way of earning is that the bank, among other things, also insures money, that is, the depositor can be 100% sure that the money invested will be returned to him.

Important! You should always pay attention to the accompanying conditions of the deposit on which the bank operates. So, for example, in addition to the annual rate, there are also conditions such as the possibility of prolongation, capitalization, early withdrawal of funds, etc. All these concepts together make it possible to judge whether it is profitable to invest money in this bank or not.

Where is it better to invest money at interest in a bank with a monthly income? Survey of interest rates and offers of banks.

In which banks to invest money at a high interest rate with a guarantee - TOP-10 profitable offers of banks + tips for making money passively

Before answering the question “where to invest money at a high interest rate with a guarantee”, you need to carefully study the main options that various banks offer today. Below are the 10 most attractive bank deposits for individuals that exist today.

Bank #1: Bank Binbank, deposit "Maximum Interest"

The amount of the deposit is 1 million rubles. Interest rate - 8.20%, deposit term - 1 year. At the end of the year, the income will be 82,449 rubles

Bank #2: Rosselkhozbank, investment deposit

The amount of the deposit is 1 million rubles. Interest rate - 8.15%, deposit term - 395 days. Upon the expiration of the deposit period, the income will be 88,196 rubles.

Bank #3: Moscow Credit Bank, deposit "All inclusive: maximum income"

The amount of the deposit is 1 million rubles. Interest rate - 8.00%, deposit term - 1 year. At the end of the deposit period, the income will be 81,096 rubles.

Bank #4: Bank Promsvyazbank, deposit "My income"

The amount of the deposit is 1 million rubles. Interest rate - 8.00%, deposit term - 372 days. Upon the expiration of the deposit period, the income will be 80,438 rubles. There is an additional option of preferential termination.

Bank #5: Bank Otkritie, deposit "Superpromo"

The deposit amount is 1 million rubles. Interest rate - 7.5%, deposit term - 1 year. At the end of the year, the income will be 75 thousand rubles.

Bank #6: Bank of Russia, "Classic" deposit

The amount of the deposit is 1 million rubles. Interest rate - 7.40%, deposit term - 1 year. At the end of the year, the income will be 76,562 rubles. There are 4 options: monthly payment, capitalization, replenishment and preferential termination.

Bank #7: Bank Sovcombank, deposit "Maximum income"

The amount of the deposit is 1 million rubles. Interest rate - 7.50%, deposit term - from 9 months. At the end of the deposit period, the income will be 75,000 rubles. There is an option to replenish the deposit.

Bank #8: Bank UniCredit Bank, deposit "For Life"

The deposit amount is 1 million. Interest rate - 7.25%, deposit term - 1 year. At the end of the deposit period, the income will be 75,599 rubles. There is an option of monthly payments, capitalization and preferential termination.

Bank #9: Gazprombank, investment income deposit

The amount of the deposit is 1 million rubles. Interest rate - 7.20%. Deposit term - 1 year. Upon the expiration of the deposit period, the income will be 72,395 rubles.

Bank #10: Bank St. Petersburg, deposit "Rentier online"

The amount of the deposit is 1 million rubles. Interest rate - 7.00%, deposit term - 1 year. Upon the expiration of the deposit period, the income will be 70,384 rubles.

Where to invest 1,000,000, 50,000 -300,000 rubles in order to earn money and not burn out?

let's consider real examples investing money and see how much we can earn from it.

Example No. 1: We invest 1,000,000 rubles and analyze profitability

Where to invest money in 2019 to earn at the same time? Let's say a person has a million rubles. One million rubles- this is quite a decent amount in order to invest it for further earnings. Now the most important question: where to invest? Moreover, there are actually enough ideas. Take, for example, a bank deposit

Bank deposit- This is one of the most famous ways to invest money, which is also able to bring significant profits. So, for example, choosing a bank deposit with interest rate at 10% per annum, it will be possible in a year to get one million one hundred thousand rubles from a million.

If you make simple calculations, you can calculate that the return on this investment is 10%, this is an average indicator, which, nevertheless, is within the limits of reliability.

Definitely answer the question what is the normal rate of return?» No, because everything is very subjective and depends on each specific field of activity. For example, for production and sales, 10% is considered low, but considering that bank deposits are completely passive income, then 10% is quite a normal figure. If we also calculate the average annual inflation rate, we can get an even more accurate answer.

In addition to bank deposits, the construction sector is also interesting for investors. If you approach the issue from this point of view, for one million rubles you can buy a small studio apartment at the initial stage of construction, and then sell it, say, for 1.8 million. In this case, the profitability will be 44%, and this is already an excellent result. True, the downside is that in construction you always need to take into account risks, and the final cost of an apartment can change, both up and down, which will differ by an order of magnitude from the expected cost.

Important: there are several types of profitability, but for this particular case, return on equity is suitableRoe, which is calculated according to the formula (net profit / equity value) * 100% .

Example #2: We invest 300,000 in a real business project

An investment of 300,000 rubles is a sufficient amount to open a small business, which can bring a good income to the entrepreneur within the first year. If a person has free 300,000 rubles, the next step is, and this is a very important step. When choosing an industry where to invest and not burn out, one should be guided not only by intuition, but also by careful the financial analysis and consult with experienced investment professionals.

But offhand, there are several interesting ideas that can be implemented quite successfully, they are listed below:

• household goods . Household, or otherwise, household goods are always needed by everyone. If you find suitable suppliers, you can open, for example, a small online store selling household goods. Over time, household goods can be added Construction Materials, and it is also always beneficial.
• Kitchen furniture . Talented designers and carpenters will never be out of work, so if you have the funds, you can start fulfilling orders for the production of kitchen furniture. In order to open your own small workshop, you will need a production room and several workers. Over time, after regular customers appear, it will be possible to expand production.
• Food delivery. Food delivery services are a very convenient and necessary thing for many. The scheme of work is built as follows: you will need to collect a database of suppliers, these can be small cafes, snack bars, pizzerias, and then the user orders food through the delivery service, pays money for delivery. The advantage is the fact that it is not necessary to have your own fleet of vehicles, it is enough to connect drivers or a taxi service to the system.
• bakery shop . Opening your own baking shop is also very interesting, but at the same time, it has its own difficulties. So, for example, in order to start working, you will need to obtain special licenses for the production of food products and permits from the SES, an environmental certificate, and others. But on the other hand, if things go uphill, it will be possible to gain an up-to-date client base, eventually make good advertising for yourself, and maybe expand.

These were just some of the ideas, and in fact, there are many more, you just have to look.

Example number 3: Where to invest 50 thousand rubles to earn money quickly?

50 thousand rubles is not that much money, but even they, with a competent and thoughtful approach, can bring a good income. Of course, it is unlikely that you will be able to start your own business from scratch with such an amount, but invest in existing projects, or take an additional one - that's welcome!

Humanity now lives in a world where the Internet is developing very, very rapidly, and this is a huge plus. Now almost any information can be found on the Internet, where you can also get acquainted with real stories, as well as take into account the advice and recommendations given by experienced entrepreneurs.

So, the most suitable industries for investing 50 thousand are:

• Services sector;
• Franchising;
• Network marketing;
• Dropshipping or direct supply system;
• vending;
• Infobusiness.

These are just some of the investment ideas that do not require huge funds, can be carried out with the participation of attracted partners, and, in addition, these investments can bring good returns.

For example, a well-thought-out franchising, in a good scenario, can be profitable in the first months, since there is already a promoted name and a well-established scheme of work.

The same applies to the information business, but it is important to choose successful project. You can promote your project, and if you do it skillfully, you can soon feel the first successes from your work.

Conclusion + Related Video

In conclusion, I would like to say that no matter what idea is chosen or what project is launched, the main thing is to be patient. You should not wait for everything to come literally the next day, you should always remember that patience is the key to many doors.

Watch a video with an example of investing:

After all, only through your own experience, your own achievements and failures, you can achieve something. And in order for the work to bring pleasure, it is still better to invest in those areas that arouse at least some interest, personal participation. And there, over time, success and luck will come, well, economic efficiency, naturally!

In the conditions of an unstable economy in 2018, it is very difficult to decide where to invest your own savings so as not to lose them and make additional profit. It is necessary to invest money, if only because it is useless to keep capital at home - constant inflation leads to depreciation of money, so any amount can simply disappear.

However, a well-chosen investment option will not only save your savings, but will also help you become richer with their help. Let's take a closer look at the most reliable and riskier ways to invest money that will help you make money even in a very difficult 2018.

An option to invest money with a minimum of risks

For those who are just starting to navigate the world of big finance, suitable the least risky, although low-return options. If your goal is not to earn as much money as possible by investing it in a risky project, but simply want to save your savings and protect them from inflation, bank deposits and government bonds will help you with this. Each option has its own advantages. In 2018, they also remain relevant.

Investment idea #1 - bank deposits

The most common, albeit the least profitable, way is to place money on bank deposit. Such an investment saves the investor from having to keep capital at home, and also allows you to get small profit in the form of bank interest. The most reliable option is to invest in the giants of the banking sector, such as Sberbank, VTB, Rosselkhozbank and some other organizations. They are partially controlled by the state, so the risk of financial collapse of such banks is minimal.

Pros and cons of bank deposits:

• Reliability. Cash deposits are necessarily insured, insurance compensation is paid in the amount of up to 1.4 million rubles. If you need to invest more capital, you can invest it in several banks, and the money will be under the protection of the state.
• The income is known in advance, which is very important for the investor. When concluding an agreement with a bank, the interest rate is already known, and it is easy to calculate how much profit the depositor will receive.
• Stable profit. A term deposit involves depositing money into an account for a specified period of time, usually from a few months to several years. Interest is accrued on the deposited amount at certain time intervals.

The only disadvantage of a bank deposit is low profitability. The rates of even the largest banks do not exceed 9%, which at best covers inflation, but does not increase capital. In essence, the bank manages your money and takes profits for itself. While you can manage your finances on your own.

#2: Government bonds - another risk-free investment idea

Bonds are government securities issued to raise funds from the public. Such paper gives the right to a refund of the purchase price and to receive additional income in the form of a percentage of the price.

There are the following types of bonds according to the method of issuance and the possibility of obtaining income:

• Short-term bonds and treasury bills. They are issued by the federal authorities during the crisis period for short periods and provide an opportunity to receive a fixed income at a fixed interest rate.
• Medium-term government bonds and savings loans.
• Long-term government bonds and bonds of an internal currency loan.

All listed papers are government debt to bond buyers. They are in demand during a crisis period, when the state needs to raise capital to cover the budget deficit. When the situation improves, the funds are returned to the bondholders with the payment of the prescribed interest. Bonds can be distributed among buyers using the system of trading at auctions, the Ministry of Finance of Russia acts as an issuer.

The advantage of such securities is guaranteed return on investment and profit This is especially important in unstable times of crisis. Minus - low profitability: this is one of the least profitable investment options in terms of profit.

Another important point: when purchasing bonds, the funds are actually transferred under external management

If you do not understand economic mechanisms and do not want to constantly monitor the situation on the market, investing in a deposit or government bonds is the most reliable solution.

Average level of risk - options for how to invest money with moderate risks and earn

For those who own large capital and want to get a large profit from it, there are several more risky investment options. Deposits and bonds, at best, cover inflation, at worst, part of the money simply burns out. Because of this, investors are forced to look for more profitable investment options, despite the increasing risk.

Let us consider in more detail the most promising options for investing large and medium-sized capital:

Investment idea #3 - investing in real estate

One of the relatively reliable investment options is investing in the purchase of real estate. Despite fluctuations in the housing market, it will always be in price, this is the most reliable way to store capital for a long time.

There are strategies for investing with borrowed funds: an investor invests in the purchase of unfinished housing on the terms of shared construction with a mortgage, and after a few years sells the finished new building at a high cost. The level of profitability in this case can reach 20-30%, however, such strategies can be classified as risky. Against the background of the financial crisis, housing may remain unfinished, and price fluctuations can lead to a sharp drop in property values.

However, this investment option has several significant advantages.:

• Opportunity to earn income from rental housing. This will allow you to compensate for the costs of the sale and receive a stable income from the acquired property. This is actively used by residents of Moscow, St. Petersburg and other large cities, where the demand for rent is high, and the prices for it remain very high.
• Possibility of resale with a profit due to the difference in value, in this case, it is necessary to take into account the prospects for the development of the housing market and price fluctuations. Housing in prestigious areas is steadily growing in price, such capital is guaranteed not to depreciate.
• Guaranteed capital preservation. Any business can fail, a bank can lose its license, but housing will remain a valuable property that can always be resold. In addition, even in times of crisis, it can be rented out and made a profit.

This investment option has its own risks. It is necessary to carefully check the legal purity of a transaction with any real estate object; to make a purchase, you need to find a trusted real estate organization with a good reputation. Caution and a thorough check of documents allow you to avoid fraud and other unpleasant situations.

#4 - you can invest in precious metals

Another a reliable long-term investment option is the purchase of precious metals: gold, silver, platinum, palladium, etc. Despite inflation, their prices change little, precious metals do not lose much in value even in the most serious economic crisis. This is a reliable solution if you want to invest money for the long term: the prices of gold and other precious metals are rising slowly but surely.

To buy precious metals several possibilities:

• Buying bullion. There is no need to take them with you: the bars continue to be stored in a bank vault under reliable protection, the depositor receives only the purchase document in his hands. It is important to remember that resale in the next three years will have to pay 13% tax to the state, which reduces the return on investment. If more than 3 years have passed since the purchase, the tax is no longer charged.
• Buying coins from precious metals in Sberbank. Their cost is overpriced compared to the price of the precious metal itself, so this option has its drawbacks.
• Metal depersonalized account - this option is offered by Sberbank and other large banks. In this case, the depositor does not receive the metal in his hands, he acquires it as a currency and makes a profit due to the difference in the exchange rate. It should be borne in mind that there is a difference in the rate of selling and buying precious metals, so this option is suitable for large investments.
• Purchase of jewelry made of precious metals and art objects. The main difficulty can arise during resale: it is important to find a buyer and get the right price. To do this, you can use the resale through auctions of art and antiques.

Buying precious metals is considered a low-yield, but reliable option, this way of investing will not cease to be in demand.

#5 - structured bank deposits as another idea to invest money to earn money

Structural deposits are the opportunity to receive increased income from investing in the bank compared to conventional deposits. Such a deposit is the simultaneous use of two banking products: the funds are divided into two parts, and one of them is placed in the bank in the form of a term deposit, and the second is used to invest in some asset. It could be a share in investment fund, futures contract, company shares and much more.

The first part of the investment provides a guaranteed return: the profit on the deposit must be such that it covers possible losses on investing in the second part. As a result, the risk for the investor is reduced to a minimum: even if the investment in assets does not bring money, the invested funds will be returned. With the right selection of an asset for investing capital, you can get a considerable profit.

Structural deposits are offered by large banks such as Sberbank, VTB, Gazprombank and others. For each investor, the most reliable option for investing funds is selected, taking into account the current market situation and profitability prospects.

Structural deposits combine the benefits of investments with previously known and unknown income:

• On the one hand, the investor knows what he will get guaranteed income from placing funds on deposit and cover potential losses.
• On the other hand, an investor can get large profit from the resale of the asset, although its size is not exactly known and depends on the situation on the market.

Profitability is partially reduced, as the bank and investment companies take commissions for their services. All factors must be pre-calculated so that the income is above the minimum value.

Super-Idea for Investing Money #6 - Ready-Made Business

One of the riskiest investment options is purchase of a ready-made business with already launched mechanisms and a network of clients. Creating a business from scratch is problematic: you will have to find your niche, fight competition, gain consumer confidence and negotiate with suppliers. A ready-made company has already gone through all this, they can only invest in further development.

All offers of ready-made business can be found in our section

This solution has the following advantages:

• Ready business plan and state registration. Searching for your own idea takes a lot of time; starting a company from scratch means going through bureaucratic formalities. With a ready-made company, there will be no such difficulties.
• Availability of a ready-made office, staff, agreements with suppliers and partners. If the business is already running like clockwork, the new owner will get rid of a number of hassles.
• Presence of a ready client base. The company already has a certain reputation in the market, products are trusted by consumers.
• Already have a positive credit history. A sound financial reputation paves the way for attracting new loans and investments.
• There are state licenses for certain types of work. Obtaining a license from scratch is a costly and lengthy procedure.

However, this solution has many disadvantages. Few people voluntarily sell an ideal business: most often, owners are in a hurry to part with unprofitable enterprises that cannot cope with their obligations. Business reputation suffers when changing leaders, employees may begin to quit en masse when management policy changes. It is not uncommon for a buyer to find out after closing a transaction that the company has already been blacklisted by suppliers and other counterparties, so it is impossible to continue business.

In order not to face such a purchase, it is necessary to carefully check the financial documentation. You need to try to find out the true reasons for the sale of the business and determine the attitude of staff towards the organization.

Before buying a company, a full audit is carried out: accounting reports, tax returns are studied, an inventory of property is carried out.

#7 - participation in existing investment projects

One of the popular investment options is investing in existing projects with the opportunity to earn good money. The investor chooses a promising enterprise that needs funds for development, and after a certain period returns the invested capital with interest.

All proposals for investment projects can be found in the catalog of investment projects.

In this case funds are actually transferred under someone else's management, so you need to be completely confident in the profitability of the enterprise and the reliability of its owner. Before investing money, you need to carefully study the business plan, evaluate the accounting documentation of the enterprise, familiarize yourself with its credit history and financial reputation. If there is even the slightest doubt about the honesty and reliability of a partner, it is better to refuse such a deal.

Investing in someone else's business is always a risky venture. The economic environment is constantly changing and it is difficult to calculate profit for several years ahead. The most promising project may turn out to be unprofitable at best, and unprofitable at worst.

However, a good investment in investment project- this is an opportunity to make a big profit in just a few years

Investment Option #8 - Long Term Equity Investing

Investing in stocks gives you the opportunity passive income over many years through dividend organizations. The more stable and successful the enterprise is, the higher the value of its shares, and the more profitable the resale. However it is difficult to predict in advance the profitability of a business in a few years: A fall in the value of shares will lead to no income and direct losses. To prevent this from happening, you must carefully choose the direction for investing capital.

Distinguish two types of shares for long term investment:

• Ordinary shares. Shareholders have the right to manage the activities of the company, but they do not receive a stable income. Dividends are accrued depending on profit, and if the year ended with zero balance, dividends may simply not be.
• Preference shares. They do not give the right to manage the activities of the organization, however, they allow you to receive a fixed income every year, regardless of the performance of the company.

Organizations issue shares to raise new funds: each issue is an opportunity to expand activities and make a profit. However, expanding the circle of shareholders is an additional risk, so you need to carefully study the company's financial reputation.

To avoid losses, you must constantly monitor the stock price

It is profitable to acquire them at a depth of fall: in this case, the risk of losses is minimal, even a small increase in the exchange rate will lead to an increase in profits. It is profitable to invest in the shares of large companies for those who are interested in long-term profit: even if prices are falling now, in a few years they can rise significantly.

An example is the purchase of Alibaba shares by Alisher Usmanov in 2011. During this period, the value of the company was estimated at 37 billion dollars, but after 4 years it increased to 277 billion. The value of the shares increased many times over. As a result net profit of shareholders amounted to 500%.

Where to invest - option # 9 - we send money to open a successful franchise

Franchising is a type of buying a ready-made business. Franchise is the right to open a business under a long-standing and well-known trademark to customers. The franchise buyer receives detailed step-by-step instructions: how to open a business, how to furnish the premises, how to train staff, what standards to work to make the venture profitable.

All current franchise offers for 2018 can be found in our catalog

The more profitable the franchise, the more expensive it is: buying a name can cost hundreds of thousands of rubles. In addition to the costs of buying and implementing instructions, you will have to pay an additional fee for using someone else's brand, which also affects the return on investment.

However, such a purchase has advantage - no need to spend money on promotion from scratch, a popular brand attracts buyers, which means that the business is guaranteed to be profitable. This is a good solution for a big city, where you can easily find a room for rent in an area with high traffic and a constant influx of customers. Following the instructions will allow you to immediately get to work and recoup your investment in a short time.

If there is no such place for rent, and the brand is little known in the city, then it is more profitable to start a business from scratch. Otherwise, the large purchase and monthly franchise costs may not pay off, and the funds will be spent in vain.

Investments for the brave - where to invest money to earn money while taking high risks

If you already have experience in running a business or have a large enough amount that you can not be afraid of expenses, it is worth exploring options for high-risk financial investments. The enterprise can turn out to be profitable, and then the investments will pay off in the next year with little cost. However, more often it turns out the other way around: the business turns out to be unprofitable, and investments do not justify themselves. Every investor has the right to take risks and all options should be explored.

Investment option #10 - start your own business from scratch

Creating your own business - one of the riskiest investment options especially if you don't have experience. A novice entrepreneur does not know the many pitfalls of the business world, has no experience in attracting investments and drawing up a business plan. If you have a promising business idea, and you already know how and with whom you will implement it, it is worth the risk.

To get started you need develop a detailed business plan. To do this, it is worth assessing the current market situation in the chosen industry, determining the level of competition and upcoming costs for renting premises, purchasing equipment, raw materials, hiring personnel, and more.

It is advisable to find a niche in which there are few competitors: at the initial stage, it is problematic to cope with experienced business sharks. It is also better to do without bank loans: banks are reluctant to lend for new projects, and the interest on them will be very high.

Despite all the risks Owning a business remains one of the most popular investment options. It attracts young entrepreneurs for several reasons:

• The opportunity to do what you love. A hobby can turn into a source of constant income, and then life will become truly happy.
• Attracting partners and investors. The implementation of an interesting idea requires a team of like-minded people: this is how the most ambitious companies were born.
• Possibility of self-realization. Own business is a way to test your strength and conquer new heights of the financial world. There is no need to be afraid to start: after the first difficult period, a carefully thought-out enterprise will become a source of profit.

Money Investing Option #11 - New Franchises

Franchise novelties include offers that appeared less than a year ago and are not yet known to the general public. Their advantage is a ready-made instruction that will help a novice entrepreneur quickly create their own business and start earning. Such a plan and a registered trademark eliminates the cost of preparation, the establishment of an enterprise will take a little time. The estimated payback period of investments is 2-3 years, after which the company will begin to generate net profit.

However, a new franchise is an increased risk. It is not known how much the company will be in demand, whether it will be able to bypass competitors and win the trust of consumers.

If long-running franchises have already proven their effectiveness, then an untested brand is a double risk.

For such an investment to be profitable, careful calculation of investment and payback period is required, as well as constant control of the business for several years. Franchising is a risky investment option, so careful planning is required.

#12 - investing in startups will help you make good money

A startup (from the English Start-up) is a business project that is at the very beginning of its development. Often this is only a potentially profitable idea., for the implementation of which considerable financial investments. Should you invest in someone else's business?

On the one hand, this is an opportunity to help a novice entrepreneur, and if the idea turns out to be profitable, the investor will return all investments and receive a solid income. You can find dozens of examples of successful commercial ventures that would not have been possible without outside financial assistance.

To attract an investor, a detailed business plan should be developed with the calculation of the payback time and upcoming costs

On the other hand, investing in a startup ;— one of the most unpredictable investment options. If a business has not even started to exist, it is impossible to estimate its profitability, predict the number of buyers and detailed development costs. An investment can result in large losses without the ability to return the money, or, on the contrary, become a source of profit.

For a novice businessman, attracting an investor is also a risk. In this case, the investor can influence the company's policy and interfere with financial management, and this often interferes with business development. Both parties must carefully weigh the risks in order to make the right decision.

#13: Stock and Forex trading is too controversial, too risky

One of the most options where you can invest money is playing on stock exchanges and famous Forex. It is a transnational market for trading currencies and other assets, profit can be obtained from it by buying and selling assets at different rates. The excitement around it has not subsided for many years, and it is not necessary to wait for this trend to go out in 2018. Forex and similar stock exchanges have several advantages:

• Accessibility for everyone. Anyone can install special programs and start trading on the stock exchange and earn money. The popularity of such sites continues to grow, despite the crisis.
• Relatively low cost of entry into the market. A small amount of capital is enough to start trading and receive money for successful transactions.
• Availability of training. In the public domain, you can easily find articles, reviews, analytical materials and textbooks for mastering currency trading strategies. Also, investors have the opportunity to entrust their capital to experienced brokers and provide them with the opportunity to independently conclude transactions in the stock market.

However, there are many more downsides and risks to this investment option. It is impossible to accurately predict exchange rate fluctuations: the most experienced traders say that they have repeatedly completely "drained the deposit", that is, they lost all the money invested and earned. Education requires knowledge of the financial world and takes a lot of time: it takes more than one month to learn all the intricacies and secrets of the stock market. Because of this, many participants treat it like a lottery or gambling, and not as a serious investment.

Playing on the stock exchanges is a profitable, but very risky business. so it's best not to make it your only investment option. It is much safer to invest at least part of the capital in reliable projects, and use only a small part for stock trading.

#14 - invest in MFIs

Like banks, microfinance organizations not only issue loans, but also accept investments, and the interest rate on deposits there is much higher than in banks. The investor deposits funds in the MFI, the organization issues this money to borrowers in the form of loans under high interest, after which the investor receives the planned income. The scheme is similar to investing money in a regular bank deposit, but it has some annoying differences:

• Lack of insurance. Unlike bank deposits, such investments are not insured, which means that there is a certain risk of non-return of money. If the MFI offers insurance, the depositor will have to pay for it.
• The need to pay taxes. There is no need to pay personal income tax on bank deposits, and this rule does not apply to investments in microfinance organizations. The amount of tax will be 13% of all profits received.
• Large investment amounts. It is necessary to invest in MFIs at least one and a half million rubles, and this is a large investment for a private investor. For an organization and an entrepreneur, this amount starts from 100,000, the tax rate in this case will be not 13, but 6%.
• The advantage of investing in MFIs is the high return on investment. Interest rates can reach 60% per year: for comparison, this is 10 times the rate offered to the population by Sberbank. As a result, investments in MFIs continue to be in demand, despite the high risks for depositors.

Invest money and earn on super profitable investment companies - #15

A risky investment option is investing in the so-called super-profitable sites on the Internet. One of the varieties is HYIP (HYIP) - an investment project that most of all resembles a financial pyramid. Funds for such projects come only from new investors.: each new depositor brings money. which will go to existing investors. As soon as the funds stop coming, the financial pyramid collapses, and only its organizers and the very first participants remain in profit.

The profitability of such projects is doubtful: someone manages to earn large sums, but the vast majority of investors are left with nothing.

Activity financial pyramids recognized as fraudulent, but this does not stop those who want to get as much as possible without effort. In 99% of cases, such investments end in losses., and the very next day a new project under another big name may appear on the Internet. The most dangerous investments are in fast HYIPs - projects exist for only a few days, and they promise the highest percentages.

Where you should not invest money - where you can not earn, but lose

When choosing an investment option, it is necessary to avoid frankly fraudulent offers and risky methods that will lead not to profit, but to guaranteed losses. The Internet is full of tempting offers that promise guaranteed profits, but the result will only be loss of money and disappointment. There are several areas that best not to consider:

• Online casino. Many programs initially work for a fall: the client wins less and less, and the losses become larger. As a result, in a very short time, all investments turn into zero. Such casinos quickly close, but then open with a new name.
• Sports betting. It is almost impossible to guess the result of the competition, such bets are comparable to a regular lottery. Most often, excitement is replaced by disappointment: in 90% of cases, the bet ends in loss and the loss of a large amount.
• Internet poker. Most of all, such games resemble online casinos: it is impossible to win consistently, rare luck is replaced by a losing streak with a complete loss of the deposited amount.
• "Free" projects. On the Internet, you can find a lot of messages about hacked WebMoney wallets, casino cheating schemes, special deposits with a frantic interest rate. All such offers can be safely attributed to fraud: the money invested will not be returned, and it is almost always impossible to find scammers.
• Credit exchanges on the Internet. Such offers are also becoming more common: people are offered to lend their own money at high interest rates. However, there is no guarantee that the borrower will repay the loan and that it can be found at all.

These are just some of the ways of deception, forcing investors to part with their money. The main sign of a scam is the promise of a miracle: fabulous high stakes, instant profit, guaranteed results without effort. Love for a freebie turns into big losses and complete disappointment. In the worst case, scammers force you to bring a few more friends to the next pyramid, who will also part with the money.

How to choose the right investment education

To understand the intricacies of investing, it is necessary to study at least the basics of the economy and the existing range of investment proposals. It is much more profitable not to transfer financial management to a third-party specialist, but to study the financial market on your own in order to use all its possibilities.

You can choose from the following for training. options:

• Profile business courses on investment. Investing in your own development is always justified: you will learn how to invest money profitably and avoid fraudulent offers, get acquainted with examples of successful investments.
• Online consultations. It is not necessary to enroll in courses with personal attendance. Many specialists advise future investors via Skype, and such lessons will be no less effective, saving time and money will be an advantage.
• Educational videos and articles on the Internet. On the Web, you can find detailed materials about the pros and cons of each type of investment, but you need to check the reliability of sources.

Financial Literacy Training - one of the most valuable investment options. The more you know about the world around you and economic mechanisms, the lower the risk of losses and the higher the chance for a successful investment project. Use the maximum of opportunities to achieve a guaranteed positive result.

Where to invest money to generate income?

This is the main question of interest to business people in Russia. Especially sharply began to rise within economic crisis. The unstable economic situation in the country makes you think.

Instability on financial market made people think where to invest money in Russia, due to increased risks and lack of understanding of the ongoing changes.

Investing is dangerous, keeping is pointless

Precious metals (on the example of gold)

Bonds and stocks remain only securities» subject to temporary influence. Gold is the most stable currency among precious metals. For several centuries, this precious metal has only continued to increase its growth rate.

State banks support the value of this area with gold reserves. Investor, invested in gold, sleeps peacefully, knowing that the price of it will only increase.

Some features are inherent in precious metals, suppose a person decided to invest in gold, went to a banking institution to buy a gold bar, in addition to the cost of the goods, an 18% tax will be imposed by the state. When selling an ingot, there is no taxation, but no one will return the percentage overpayment.

Investing in precious metals at the household level

Russians consider gold and silver jewelry as an investment. This is partly true, but the cost of the product includes the work of a master (jeweler). The second negative point is sales. When trying to sell jewelry, pawnshops accept it at the price of scrap significantly different from the cost of goods.

The acquisition of precious metals is a very profitable investment direction, it should be taken into account minimum threshold profitability - 3 years. Average income from gold +20% per annum.

Securities (bonds, shares)

Risk-averse people can afford to invest in bonds. A bond is a business issue, the instrument is designed to receive a fixed income after a certain period of time.

You should not expect big earnings on bonds, call them profitable investment- the tongue does not turn, but how cash deposit mechanism, is worth considering.

Stock

One of the most profitable forms where you can now invest rubles is " Stock". Along with high profitability, it is associated with increased risks that depend on external influences.

A share is an equity security that gives the status of " co-owner of the company» allowing to count on a part of the profit of the organization. The connection is simple, the company develops and prospers, the package of securities grows in price, the co-owner receives part of the profit, if the company suffers losses, the owner also bears losses.

Work is carried out through brokers. More offers, allows you to independently choose stocks, work out strategies, and predict the behavior of indicators. Low threshold for entry, high probability rapid development constantly attracts new faces to the industry.

TOP 7 Where you should not invest cash

Fundamentals of investment business- acquisition of financial literacy. Keeping current projects under control, predicting market behavior, capturing the subtleties of the environment - these are the main components of a competent capital investor.

Financial pillow is an integral part of the investor

The term " financial cushion» - 6-month financial reserve, for pain-free living, without changes in the previous state of life. This condition must be met without taking into account other sources of income.

• Want to know what you can save money on right now to afford more? If yes, follow this link.

Study investment activity without a certain cash reserve is unreasonable. The only exception is a deposit in a banking institution, which for the most part acts as an instrument for saving current savings.

In case of delays in the transfer, freezing of the project, risks associated with the complete or partial loss of allocated funds, there should be an airbag. This is not advice, this is a postulate!

Alexey, 32 years old, Krasnodar

Time goes by and money depreciates. I started looking for where to put them. First I opened an account and started trading on Forex. I came to the conclusion that this is not mine.

And here I did not lose. Look at the current rate! Cryptocurrency is the future, it is already accepted in stores.