So where is it profitable to invest your money so that they work? In this article, we will look at 5 popular ways to invest funds that have stood the test of time.

Hello, friends! Alexander Berezhnov is with you, entrepreneur and one of the founders of the HiterBober.ru website.

In writing this article, I relied on my experience, the experience of my friends, and also studied a huge amount of materials and talked with large millionaire investors in order to give the most competent and detailed answer.

With this post, I begin a series of articles on the topic “Where to invest money”.

Here we will consider both popular ways of investing money and “exotic” ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.

At the end of the article, I will tell you where you should NOT invest money so as not to burn out. So let's go!

1. Principles of competent investment or what experienced investors look for

Here we will look at the principles that should be followed in order to get a percentage of your investments above the bank rate with almost the same reliability.

Why do I say that almost the same? Remember the golden rule of investing?

Profit is always proportional to the risks that the investor takes on!

It may seem banal for someone, but the first thing you should start investing with is to purchase necessary knowledge. This means that it is best to invest the first money not in stocks, not in gold, not in a bank, but to invest in yourself - they will pay off many times over. So it is recommended to do two richest man in the world - Bill Gates and Warren Buffett.

After you have the necessary knowledge and understanding of various financial instruments, their principles of operation, expected profits and risks, you can move on to practice.

Principles of competent investment of the world's leading investors

Principle 1. Create a financial cushion

This means that without a certain financial base, it is STRICTLY FORBIDDEN to invest. The only exception is a bank deposit, as it is rather not an investment, but a savings instrument.

What is a financial cushion and how to create it?

financial pillow- this is a six-month supply of money that you and your family can live on while maintaining the usual standard of living, having no other sources of income.

You can create such a pillow by regularly postponing financial receipts (salary) or by selling existing property.

For example, if your family is used to living on 50,000 rubles a month, then you must have at least 300,000 rubles to start investing.

The exception when you can start investing money at interest without having a financial cushion is if you have passive income.

Passive income- the flow of money coming to you, which does not depend on your daily efforts, such as renting out real estate, stock dividends or profits from an existing business.

Principle 2. Diversify investments

For your money to work correctly, think about where to invest it in order to comply with the principle of diversification, that is, the division of funds into different investment instruments.

If you have become interested in the topic of investing, then surely this concept is familiar to you. In other words, this means " don't put all your eggs in one basket". If you have a basket of eggs and it falls, then all the eggs in it will break and you will be left with nothing.

This will happen with your savings (savings), if you invest them all in one business (project) or investment instrument.

By the way, diversification involves not only investing in different financial instruments, but also in different sectors of the economy.

For example, if you invest in the stock market, then try to form your investment portfolio* so that your money works in companies of different sectors.

Investment portfolio- the totality of all assets of the investor. For example, if you have a deposit in a bank, stocks, real estate, a business - all these tools for making a profit in terms of investments will be called your investment portfolio.

To make your investment portfolio as resilient as possible to market changes, invest 20% of free funds in the banking sector, 20% in the oil and gas sector, 20% in the manufacturing sector, and 20% in the agricultural or food sector.

So, if one company (sphere) starts to suffer losses, then the rest will “pull” your funds up and will not let the portfolio sink.

Principle 3: Manage risks

Risks- this is the main "problem" that absolutely all investors face.

Remember, before you invest money somewhere, think about how much you can lose and only then - how much can you earn.

Unfortunately, beginners make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are already rubbing their hands in anticipation of millions.

How are things in practice?

But in practice - everything is different! Having overestimated their strength and experience, many people immediately try to engage in aggressive investing and lose money, instead of investing in more conservative instruments. So it turns out in the end that the greed of the fraer ruined ...

Investments are the same science as any other professional business, which means that you need to evolve in this direction gradually, going from simple to complex.

Start with 100 or with 1000 dollars, and God forbid you invest large amounts at once, especially in what you do not understand!

The height of illiteracy here is to borrow money at interest and try to quickly "crank" them in some "super profitable" way.

In 99% out of 100, this ends with the loss of the entire amount and the credit burden that hangs over you like a sword of Damocles.

Do not rush, because if you become an investment specialist, then your future millions will not run away from you anywhere. On the contrary, if you rush and try to get rich instantly, then there is a great chance that you will never earn big money.

Principle 4. Attract co-investors

As you gain experience as an investor, you can invest together to form investment pools. So you can get more opportunities - where to invest money so that they work with maximum return.

For example, you have found a project or tool that you think is attractive for investment, you have free funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on a parity basis with you.

AT last years fairly common topic pamm accounts. In this case, investors transfer to trust management* own cash professional financial asset manager.

Trust asset management- a type of financial and business relationship where one person or company transfers its money (property) to another person - a trustee.

At the same time, the manager cannot dispose of these funds or property on the basis of ownership, but only has the right to use it to extract profit, a percentage of which he receives as a reward for successful management.

So several investors can create such pamm account pooled together and transfer this amount to trust management, while all risks of losses are assumed by investors in proportion to the invested funds.

With the manager of such an account (trader), investors can agree that he should stop working on the account when he receives losses in a certain percentage of the account value.

If we summarize this investment scheme, we see that investors are ready to donate, for example, 15% of their money to potentially receive 30% income.

Principle 5. Create passive income

Increasing your capital is very good, but no less important point what remains here is the creation of passive income from your investment activities.

Why is it so important?

If you understand the course of my thoughts, then you are guaranteed to take a fresh look at investing your funds.

illustrative example

You invested 100,000 rubles and received 130,000 rubles in a year, that is, you earned 30% on the invested funds.

However, next time you cannot be 100% sure that you will earn another 30% or more in a year. Considering that such profitability is much higher than the banking one, it means that the risks of this method are much greater.

You may even lose most or all of the amount if something goes wrong next time.

On the other hand, if for 100,000 rubles you could create passive income for yourself, for example, the same 2,500 rubles a month, which also amounts to 30,000 rubles a year, then in this case, you can easily borrow the same 100,000 rubles and invest them more conservatively, so your asset with a passive income of 2,500 rubles is a guarantee of the return of a new loan amount of 100,000 rubles.

In order to better understand how to create passive income and then create assets with it, I recommend playing the game " Cash flow» the famous investor, entrepreneur and business coach Robert Kiyosaki.

By the way, here is what Robert Kiyosaki says about the importance of passive income:

2. How much can I start investing

You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.

If you have no money at all, then just start saving at least for 10% from any of your income. This is how you develop the habit of creating financial reserve and as your income grows, your savings will increase proportionately. Money will work for you while you rest.

All famous people who teach success and proper handling of personal finances talk about the need to save money: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.

The fact is that many people, with an increase in income, begin to spend even more and even take loans, since they do not have enough money all the time. It is called "reached the good life".

Always control your balance between income and expenses, live within your means!

Franchising is one of the most reliable and profitable ways to invest.

Do you want a reliable investment option? Take advantage of the offer of our website partners: become co-owners of a chain of Japanese cuisine restaurants.

The project is handled by Alex Yanovsky, a businessman with 20 years of experience who has launched many successful startups from scratch. At the time of writing, the Sushi Master franchise has 125 restaurants in 80 cities and 8 countries around the world.

My friend Sergey, opened a Sushi Master point in Maikop in the format of an island, having invested 1.5 million rubles, and six months later he already paid off his investment. So the scheme works not only in theory, but also in practice.

In section number 4, I will describe in detail how to competently open a business for this franchise, investing quite a moderate amount in a promising area of ​​\u200b\u200bpublic catering.

Here is what Alex has to say about the benefits of starting a franchise business:

3. Where to invest money to make it work - 5 profitable ways to invest

Now many people's eyes widen from various proposals - where to invest money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super-course, after which you will become a millionaire in a week.

But in most cases, all these "magic pills" are nothing more than good way steal your savings.

Now we will look at the classic ways that allow you to invest in understandable instruments with predictable returns and moderate risks.

Method 1.

This is the most popular way to save money, but its income is barely comparable to the inflation rate in the country. So if you invest money in a bank and keep it there from year to year, then at best you simply won’t lose it, there is no question of more or less tangible earnings.

Now Russia has adopted a law that guarantees payments on deposits in 1,400,000 rubles in case the bank fails. This applies to all banks that have an official license to carry out banking activities.

Previously sum insured was 700,000 rubles. That is, if you invested your money in a bank and for some reason it ceased to exist, then the state will compensate you for your money if the deposit amount does not exceed the insurance one.

Now in our country there are hundreds of banks with interest rates from 5% before 12% .

Historically, the most popular bank among our citizens is Sberbank, although here the percentage of deposits is one of the lowest, but a large branch network and high reliability of the bank itself allow it to remain a leader in terms of deposits.

Pros and cons of investing in a bank account

Pros:

• high reliability (low risks);
• high liquidity (the ability to return money at any time);
• the minimum threshold for investment (you can start with 1000 rubles);
• simplicity and clarity of the investment instrument.

Minuses:

• low interest on deposits;
• loss of interest on early withdrawals.

Method 2. Stock market and mutual funds

Part of the financial market where people or companies can purchase stocks, bonds, futures and other securities.

If you have free funds and want to get more income than in a bank, but you take on relatively large risks, then the stock market will be a good tool for you.

To start investing in securities, you just need to contact a bank or a specialized brokerage company that deals with operations in the stock market.

Personally, I recommend two well-known brokerage companies for this: Aton Investment Company and Otkritie Brokerage House. You can safely invest your money in these companies so that they work and not be afraid to lose them.

Many cities have their offices.

By the way, speaking of the stock market, it is worth noting that there are different types investors by duration of investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities within a short period of time: from a few minutes to several weeks.

There are medium-term investors, they buy shares for several weeks or months. There are also long-term investors, they usually act on the “bought and forget” principle - they invest their money in securities for several years, assessing the potential of the company and the industry in which it operates.

The last type of investor is investment guru Warren Buffett. Once he was asked when to sell the purchased shares, and then Buffett replied that never! This is his concept of long-term investment.

You can manage your investments yourself or entrust this business to a professional manager (trader).

There are also special funds where you can invest money - mutual funds.

mutual fund- share investment fund. This is a financial organization that independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.

Based on the results of a certain period of management, interest is accrued to you according to the size of your share.

But if you definitely receive more at the end of the year than you invested in the bank, then here your profitability may be negative, that is, the fund may work at a loss.

Pros and cons of investing in the stock market and mutual funds

Pros:

• a small initial amount for investment (from 1000 rubles or even less);
• interest at the end of the reporting period is usually higher than in a bank;
• a large selection of investment instruments (stocks, bonds, futures, options);
• opportunity to receive dividends;
• the opportunity to independently compile an investment portfolio, choosing a flexible ratio of risks and expected returns.

Minuses:

• relatively greater complexity of the investment process compared to bank deposit;
• relatively large risks (you can get a loss);
• in certain cases, special knowledge is required (with independent investment portfolio management).

Method 3. Forex (currency market)

Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy some monetary units for others, such as dollars for euros.

Speculator traders make money on Forex, most of them make intraday trading operations.

After all, we want to know all the ways where to invest money so that they work and Forex will help us with this. After all, here you can quickly increase capital several times in a couple of months. In a popular article on our website, I have already talked about my experience of trading on the stock exchange and about how.

Indeed, in Forex you can earn a lot. However, this comes with huge risks and you can lose your investment capital in minutes.

Now a large number of companies offer Forex trading services. Such companies are called Forex brokers.

Be careful when choosing a forex broker. Since there are many companies now that do not bring your trades to real currency market and you just play on your computer in the trading program like in a casino (losing your money, of course).

Before you start doing this way of investing, read customer reviews, go to the company's office, make sure it is trustworthy and serious.

Pros and cons of investing in Forex

Pros:

• a small entry threshold (usually from $100);
• the ability to quickly and earn a lot;
• a large selection of investment instruments (currency pairs for trading).

Minuses:

• special technical skills and knowledge are required for investment;
• very high risks.

Method 4. Bitcoin (Cryptocurrencies)

Here you can make very good money, but also lose if you do not follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages: decentralization, anonymity, security, limitedness. This means that Bitcoin is not controlled by any state, and due to the limited issue and the growing demand for cryptocurrency, its price will only grow in the future. You can buy Bitcoin at a favorable rate in - this service is not only an exchanger, but also a crypto-wallet where you can safely store cryptocurrency.

Method 5. Real estate

One of the classic investment tools, when a person with money wonders where to invest his money.

You can buy both residential and commercial invisibility. It is natural that commercial real estate gives more income than residential, however, and requires more knowledge for its competent purchase.

Property other than buildings also includes land, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but this way of investing is also not without its drawbacks.

Pros and cons of investing in real estate

Pros:

• the opportunity to rent out real estate and receive passive income;
• the opportunity to sell real estate and earn on the difference between the purchase and sale prices;
• a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
• due to the fact that real estate is a tangible (tangible) asset, it can be used for your own commercial or non-commercial needs, for example, you can open a business in the premises, you can live in residential real estate.

Minuses:

• high entry threshold (usually from several hundred thousand);
• low liquidity (cannot be quickly sold without a significant loss of market value);
• subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money if it is damaged or lost).

Method 6. Own business

If you have an entrepreneurial spirit and some commercial experience, then one of the best decisions for you is to invest in your own business.

Simple example:

Resale of Chinese goods with a large margin (300-800%).

You can buy goods in bulk in China or from a wholesale supplier in a major city and start selling them online. Often such a scheme is also called "Business with China" - a very profitable and promising direction in Runet.

The team of our site is personally acquainted with a successful entrepreneur in this field, Evgeny Guryev. Zhenya not only has been running her business for a long time and effectively, but also teaches others about it.

If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months - contact Evgeny and he will guide you by the hand on all issues of creating a successful business selling Chinese goods.

Be sure to check out the testimonial of the wife's students to be inspired by their success stories:

Yes, there are also certain risks here, but you can manage them flexibly, because in this case you yourself decide where to direct this or that money in order to get the maximum return from them.

It is especially effective to invest in your own business if it is already running, and your new investments will help the business bring even more profit.

Pros and cons of investing in your business

Pros:

• you manage your money yourself by building and optimizing business processes (being the owner of the business);
• for business projects, it is quite easy to find co-investors, which helps to attract larger amounts than if investments were made alone;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risk of losing money;
• low liquidity of most assets (you cannot quickly sell equipment, goods, and the like without a significant loss in value);
• loss of a share in a business project (in case of attracting co-investors).

4. Sushi Master franchise business - investing money profitably

Owning a business from scratch is a rather risky undertaking. This requires a solid start-up capital, an original idea and a well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a known payback period and guaranteed profitability.

The network of Japanese cuisine restaurants has its representative offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business falls on the Russian market.

Franchising is one of the leading activities of the Sushi Master company. The promoted product of the company is a predictable business with a proven and effective structure.

The owners pass the finished model to their partners, the latter only have to comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.

Franchise payback period: 5-18 months depending on the region of location, chosen format and other objective factors.

The algorithm for opening a Sushi Master franchise branch is as follows:

1. Apply on the official website of the company.
2. You pay a lump-sum fee - at the time of this writing, this amount is 400,000 rubles.
3. Take a course at the training center in Krasnodar.
4. You get the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
5. Together with the franchise owners, you choose a place for a restaurant, calculate the payback, and get the support of a start-up team.
6. You open a restaurant.
7. Together with the team, bring the project to a stable profit.

You will calculate the total initial investment together with the team on an individual basis. Cost range: from 1.3 to 4.5 million rubles. The term for opening a restaurant is from 3 months.

The advantage of this model is that it is guaranteed to work. All possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a member of a successful business that has already paid off more than 100 times, brought and still brings profit to its owners.

The co-owner of the company, Alex Yanovsky, is the founder of his own School "Business behind Glass", a successful entrepreneur whom I know personally. In his honesty, as well as in the profitability of the franchise, I have not the slightest doubt.

The risks are minimal, and the support of the training center led by Alex Yanovsky is continuous and constant. At your disposal - the experience of successful businessmen, professional equipment, proven marketing technologies.

The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Public catering establishments in the street format or the "island" format are in demand and popular - we offer these options to our partners.

5. Where you should not invest money so as not to burn out

You should not invest in obviously losing enterprises - casinos, illegal and morally unacceptable projects.

These include criminal types of business: trafficking in drugs, weapons, contract goods, organizing brothels, shell companies that launder money, as well as fraudulent schemes in the real estate sector (corruption in construction, eviction of lonely old people and re-registration of housing).

To live in peace, engage in honest and socially acceptable ways of making money, then you will gain not only financial freedom, but also spiritual harmony.

6. Conclusion

In this article, we reviewed the fundamental principles of investing, recommendations from the best investors and experts in the field of business and finance, and also got acquainted with the most popular ways to invest free money.

In the next part of the article “Where to invest money”, I will talk about less common and at first glance not obvious ways to increase your capital.

And if almost everyone knows about bank deposits, the stock market and real estate, for example, few people know how to create a good passive income for themselves by investing in their own Internet projects.

Dear friends, I hope that now you have figured out where to invest money so that it works and brings you profit. After all, it is you who can become rich and earn millions.

I wish you a successful investment!

Where is it more profitable to invest rubles in a crisis so as not to lose your savings - recommendations from experts + TOP-5 most profitable investment areas today

Passive income is what many people dream of, regardless of age, place of residence and other factors. One of the most famous and reliable ways to get passive income is deposits, but not everyone knows what needs to be done to make such a dream come true.

We are often asked the question of where to invest money in 2019 in order to earn money, so we have prepared material for you with a detailed consideration of various investment options.

5 ways to invest money profitably

There are a large number of options for investing money, but we have compiled the TOP 5 most profitable ones. When compiling this list, we tried to correlate both profitability and risks, so you will not see in it ways of earning that involve high risks.

Let's start considering investment options from the least profitable way out of 5.

5. Mutual funds - monthly income

Often, when asked where to invest money in order to receive a monthly income, people receive an answer about the option associated with mutual funds (mutual funds). Under this name lies a special property complex, which does not have a legal entity.

Each mutual fund is based on the principle of trust management of the fund's property. Thus, it is possible to achieve an increase in the value of this property, which means the appearance of profit for each investor (in such a system they are called "shareholders"). The number of shares depends on the amount of investments, the ratio of which to the total number determines the amount of profit (the more you invest, the more you get).

It is worth explaining that an investment share is a special security that certifies the right of the owner of this paper to a certain part of the property fund to which it belongs. You can find more information about this security in the rules of a specific fund.

To redeem units at current value means to exchange securities for money, and the amount will depend entirely on the interest to which you are entitled, it is indicated in the unit.

Note that each share provides a certain amount of rights, regardless of investors, and the rights of each owner are recorded with the help of an independent organization that maintains a register of investment share holders.

Yes, this investment option can be considered in some situations, but the amount of income it brings, according to past data, is not so large, and the risks of investing in mutual funds are relatively high (you can’t call them big, but there is a chance of a collapse in the market, and this lead to significant losses of shareholders).

4. Bank deposit with interest

Recommended investments: from 100,000 rubles.
Risk: minimum.
Yield: low.

If you are thinking about where to invest money at interest in order to have a stable income throughout 2019, then one of the most acceptable options would be a bank deposit.

Let's look at the essence of this option: a depositor (a person who wants to open a bank deposit) transfers a certain amount of money to a credit institution, which conducts certain financial transactions with them, leading to a profit. Thus, the bank can provide profit for itself and the depositor.

It is worth discussing such a moment as the interest rate. The investor will receive a fixed amount of profit, regardless of success financial transactions that were spent with your money. If the deposit provides for 10% per annum, then, as you might guess, from 100,000 rubles of the deposit, a person will receive 10,000 profits. Yes, the annual percentage of this option is relatively small, but it should be understood that there are practically no risks in this method of investing money.

The only risk that a person who has made a bank deposit has is a certain chance that the bank will lose its license or go bankrupt. Fortunately, such situations can be easily avoided if you follow one simple rule - contact only well-known and reliable banks.

Note! The given example does not reflect the whole essence of deposits, because there are other options. Carefully study the conditions, because interest can be charged not once a year, but 4 times, or even every month. Of course, in such situations, the interest will be much less, if you are not sure that you can do without this money for a year, it is worth considering such options.

Recommended investments: from 30,000 rubles.
Risk: minimum.
Yield: below average.

You can endlessly choose a place where it is better for a novice investor to invest, but it will not work to come to a specific conclusion, since there are a large number of points of view, many of which contradict each other. Let's look at the two main options that are in the third position - securities and precious metals, and also draw conclusions.

As for securities, they are of various types:

• basic (shares, bonds, bills and much more);
• derivatives (options, swaps, etc.).

Note that for competent investments of this type, it is necessary to study a lot of information related to this issue and be aware of the current situation on the market. Thoughtless investments in securities are unlikely to lead to at least some profit, so it is worth considering the second option.

As for precious metals, such investments are much simpler, since each person understands their essence. The most common option is to simply buy one of the metals on the following list:

• platinum;
• gold;
• palladium;
• silver.

This option does not always make a profit (this requires a large price jump), because the sale price always differs significantly from the purchase price. The most interesting way to invest in precious metals is to purchase precious coins, which have an additional reason for the increase in value.

We are talking about the desire of collectors to acquire them, because the circulation of such coins is quite limited. But you should understand that such an investment is designed for at least 10 years, because you need to wait until the coin becomes in demand.

Note! The risk of investing in precious metals is minimal, as they are all slowly but adding in value.

2. Investments in PAMM accounts

Recommended investments: from 1000 rubles.
Risk: average.
Yield: high.

The World Wide Web is incredibly developed, so many people began to ask themselves the specific question of where to invest money on the Internet in 2019. Let's talk about the way to make money, which is the most profitable today in Russia. We are talking about passive income, where it is more profitable to invest money, we will now tell.

PAMM accounts is a term closely related to the Forex market, but do not rush to choose from the methods presented earlier, since such investments do not require a thorough and long study of the market. If you explain the essence of such investments in simple terms, then, one might say, you simply trust your money to the trader (manager) who trades them.

Note that the manager himself makes a certain contribution to the PAMM account, then the percentage of investments of each investor is calculated. This is necessary in order to correctly divide the profit (what percentage do you have of the amount of the PAMM account, such a percentage of the profit from trading operations will be yours).

The most famous PAMM broker in Russia today is, the largest and most profitable PAMM accounts are located here.

Note! This option has risks that can be reduced if you know certain. We are talking about the choice of a manager, on which it depends whether you will make a profit or suffer losses.

When choosing, you should rely on the profitability of the account, its drawdowns and many other factors (we advise you to study the schedule that should be attached to each PAMM account). It is important to look at the contribution of the manager himself, because this can say a lot, or rather, about his confidence in his abilities and a specific score.

It is worth noting that PAMM accounts have one indisputable advantage, the essence of which is the absence of transferring money to the trader, because they will continue to be on your account, that is, he will only be able to trade with them, and it will be impossible for him to withdraw these funds.

Recommended investments: from 1,000,000 rubles.
Risk: minimum.
Yield: average.

We are often asked where to invest a million rubles to earn money without big risks. One of the most well-known ways to the public is the purchase of real estate. In this matter, the main difficulty lies in not making a mistake with the acquisition of an apartment in any new sector, where there will not be strong demand in the future.

This way of earning money should be called profitable in situations where a person can correctly analyze the situation and understand whether there will be demand for this property in the future. 1 million rubles is the minimum amount, but it is better to engage in such investments if you have at least 3-4 million rubles.

The disadvantages of the method are that if you miscalculate with the acquisition, then you will simply lose part of the initial amount, and the losses will be significant. We also mention the significant loss of time.

It is recommended to buy real estate only for those people who are ready to analyze the real estate market, compare offers and correctly choose the most attractive options. It should be understood that this will take a lot of time, but with a share of luck and diligence, it turns out to earn quite a lot.

AT this material the most popular options were collected on the advice of experts, but the question of where it is profitable to invest money in 2019, so as not to lose, you must answer for yourself. Someone prefers more profitable options, while someone seeks to protect themselves from high risks.

In the last article, we reviewed . The disadvantage of these types of investments is a rather low profitability. They are aimed more at preserving capital than at generating a good income. If this yield is not for you, then in this article you will learn more profitable investments that allow you to earn higher profits.

Immediately make a reservation, here we will talk about the potential possible profitability. No one guarantees you absolutely stable profits. All investments are subject to certain levels of risk. And you may even get losses. But if you use several tricks, you can reduce the likelihood of losses and get a very good profit, according to at least significantly exceeding, for example, what bank deposits give. But first things first.

The most profitable investment of money

Profitable investments in the stock market

The stock market allows you to invest money in several directions at once.

Profitable investment in bonds

Investing in bonds allows you to earn income slightly ahead of inflation. There are 3 types of bonds:

• OFZ or federal loan bonds
• municipal bonds
• corporate bonds

The most profitable are corporate bonds, in second place are municipal bonds, OFZ - they are inferior to them in terms of profitability. In terms of reliability, the opposite is true, the most reliable are OFZs, etc.

Profitable investments in stocks

In our opinion, the most promising investment of money is. And although the purchase of shares is considered a risky business and quite justifiably, if you invest money for a long time, such risks are reduced significantly, and on especially long periods they generally tend to zero.

The fact is that the market value of shares can vary greatly within even one year: both up and down. Sometimes such movements reach 20-30% in each direction. But on our side 3 assistants are time, inflation and business development.

If you buy shares for a long time, then according to statistics, the value always increases. According to statistics, the Russian stock market is growing at about 18-25% per year. Of course, this is an average figure calculated for a period of 10-15 years.

Advice. Take a look at. In addition to the potential for growth, you will qualify for a portion of the profits in the form of annual dividends. And if the company is developing steadily, then its final profit will also grow, which in turn will have a positive effect on the amount of dividends received.

Profitable investments in mutual funds

When buying mutual funds, you immediately become the owner of a whole package of shares (bonds) selected according to certain principle. This may be, for example, only dividend stocks of companies that pay traditionally high dividends. Or shares belonging to any industry: oil and gas, financial, electric power and others.

Profitable investments in ETFs

An alternative to mutual funds are ETFs. In the world it is the most popular way of investments among investors.

For those who do not know what an ETF is, I will briefly explain .... an investment fund buys various securities in a certain proportion (for example, shares), and issues its securities on the purchased assets, which are also freely traded on stock exchange.

In Russia, the ETF market is not yet highly developed. About 10 different ETFs are traded on MICEX (http://moex.com/s221)

ETFs have the following features:

• reliability. This is also a security that is regulated by financial authorities on a par with stocks, bonds
• low cost in the range of 2-5 thousand rubles. Those. I have an amount of only 20-30 thousand rubles, you can make an investment portfolio that will include shares of several hundred companies from all the leading countries of the world. Such diversification will reliably protect your investments from unstable economic shocks. When an economic downturn in one country does not greatly affect the state of your portfolio.
• currency diversification - investing in foreign assets - you protect your investments from the devaluation of the ruble. Here you can draw an analogy with the purchase of a currency with additional growth of shares through development and, accordingly, additional profit.
• When you buy an ETF, you are investing in several companies at once. Or in the company of other countries. Let's say in FinEx ETFs MSCI China UCITS - for $30 you will become a shareholder of about 150 largest Chinese companies
• high liquidity. ETFs can be sold at any time, without any additional fees, as is the case with mutual funds.
• low costs - the annual commission is from 0.1 to 0.9%, which is several times lower than that of mutual funds. The difference will be especially noticeable in the long term.

The above methods of investment can be attributed to the "classic" The following investment methods are highly risky. When, in addition to trading risks, you can incur the so-called and. And as you know, high risks also carry fabulous profits (at least you can count on them).

Highly profitable investments in PAMM accounts.

The essence of the account is that you give your money to the management of traders who earn money in the financial markets. Profits are shared in a certain proportion: 50/50, 70/30 or 80/20. Those. You get 80%, the manager takes 20% for the result. In the event of a loss, the entire burden falls on your shoulders.

How much can you earn?

Depending on the aggressiveness of PAMM accounts, you can count on 30-100% per annum.

Advice. Choose several reliable accounts that have been in existence for at least 1 year and show an average annual return in the region of 30-50%. More aggressive accounts sooner or later "merge" or go into a deep drawdown of 50%. By investing in several accounts, you protect yourself from losses, if one account goes negative, the profit from others compensates for this loss and, in aggregate, you will receive a profit.

Investments in HYIPs

This type of investment is highly risky. Basically, it's a gunpowder keg game. You can lose all your money in one moment. However, for those who want to significantly increase their capital, this is fast way achieve this. able to bring 5-10% per month. In a year, you can double or even triple your investment.

Advice. Invest in HYIPs a small part of your capital. And always withdraw profits regularly. Never invest in one HYIP. Pick a few and spread your money over them.

Finally

If you look at the future, then it is investments in the stock market that allow you to receive stable long-term profits. Investments in PAMM accounts and HYIPs can be considered as temporary short-term investments, also with enough high levels risks.

Investing in stocks, bonds can give you more additional income. We are talking about IIS (). I think an additional 13% in the form of profit will not hurt anyone. Profits are never redundant.

Good luck with your investment!!!

Greetings! This year cannot be called boring and predictable: neither for Russia nor for the world financial markets. Indices like Russia and the USA have been growing well, over the past 10 months my portfolio has grown by 20 percent.

What's next? How to preserve capital in a situation of high uncertainty? What to invest in in 2019-2020? For convenience, I divided the tools by goals: not to lose, to earn on the growth of the asset and / or and receive income in foreign currency.

Here I took the tools with almost 100% reliability. "Almost" because. All three assets only partially compensate for the losses from inflation!

Bank deposits

If your investment horizon is too short for risky assets, you don't have much of a choice. Ideas will also have to be left, so the only thing left for you is banal bank deposits.

If you need to try to save your capital first of all from your loved one, then it is better to open term deposits, without the right to replenish and withdraw (for example, the “Save” product from Sberbank). These deposits always offer the maximum interest rate. And it is forbidden to withdraw part of the deposit until it is closed.

Most importantly, do not forget about the "limiter" in the form of 1.4 million rubles in one bank. This is how much (and not a penny more) the Deposit Insurance Agency will return in the event of a bank failure.

Reliable bonds

If you have a slightly longer horizon and a slightly higher financial IQ, you will probably be interested in these debt securities. Judge for yourself: the risks of state bankruptcy are much lower than the risks of bankruptcy of any one bank, even a large one. Plus, bond yields are almost always higher. bank deposit.

By the way, do you know that with the money that you leave in the form of a deposit, the bank almost immediately buys bonds and thereby earns the difference in interest without risking anything?

Federal bonds are considered the safest. Their repayment is guaranteed by the government Russian Federation. But it is better to form a bond portfolio from . Fortunately, the symbolic value of the bond (only 1,000 rubles) allows this.

You can advise something specific only knowing specifically your investment plan, so below I will give a couple of interesting papers in my opinion.

For example, OFZ-PK are bonds with a variable coupon. Coupon size is linked to average rate RUONIA and is reviewed from time to time. OFZ-PD fixes the coupon rate at a constant level (for example, 6-7% per annum) until maturity.

But most interesting option in 2019, I think. The face value of such bonds is constantly indexed to the level of inflation (calculated by the consumer price index for each day with a lag of three months). For OFZ-IN, the coupon is 2.5% per annum above inflation (CPI).

Gold

Stock

Unlike bonds, stocks are instruments with potentially high returns. Experts believe that in 2019 the MICEX index will still grow, the Central Bank will continue to reduce the key rate, and oil prices will rise. Against this background, many Russian "giants" have a good growth potential.

To make a profit in the future, today you can invest in the securities of exporting companies: ALROSA (excellent performance of the company for last year), Protek, NLMK (Rosneft is not on the list of recommended companies). Analysts advise paying attention to shares of LUKOIL and Sberbank, which were undervalued last year (even despite the fact that it grew quite strongly, its p\e is still low).

Some are betting on the rise of the electricity companies that bummed out last year. Of particular interest are the shares of Rosseti and IDGC of the South.

The main idea and advice is to pay attention to companies with the prospect of growth and.

Abroad, the high-tech sector looks more promising than others: Facebook, Alphabet, BYD Company, Google, Amazon, Netflix, NVIDIA and others.

Own business

Owning a business is a profitable, but very risky option. Initial capital is needed from the first day, and the return on investment can be obtained, at best, in six months or a year. Or not get it at all...

Not to risk large sums, start with a project on the web. Firstly, a lot of problems like renting an office, warehouse and logistics disappear. Secondly, the starting amounts here are much more modest than for opening your own.

To earn passive income

Real estate

Real estate brings passive income only when "square meters" are rented out. But you should not count on millions in profits from the delivery of ordinary residential premises.

I cite data for 2016 from the analytical center SRG. The average return on residential real estate in St. Petersburg is 7.7% per year (return on investment is 14 years). In Moscow, the average yield is lower: 5.8% per annum with an object payback of 17 years.

Real estate abroad brings even less - up to 5-6% per annum. In some cases, it is better to transfer the decision of all organizational issues to a professional management company. She will look for tenants, resolve issues with current repairs and payment, etc. For this, she will have to “gift” 15-20% of the rental price. But - a real passive income!

On the other hand, if you have an apartment for rent, you can try to rent it out by the day (through AirBNB, mainly to foreigners) and thereby increase the yield up to 10-12% per annum with a good load.

To receive income in foreign currency

Of course, in order to receive income in foreign currency, you can simply buy shares or. Thus, you will partially eliminate the risk of being left with nothing during the next collapse of the ruble. But there are other ways too.

Eurobonds

Eurobonds can boast all the advantages of ruble bonds. plus have additional protection from currency risks. After all, they are “euro” for that, that they are nominated in foreign currency: dollars, euros, Swiss francs and British pounds sterling.

Today, Eurobonds of such companies as AHML, Alfa-Bank, VTB Bank, Gazprom, LUKOIL, MTS, NLMK, Novatek, Russian Railways, Rosneft, Sberbank, PhosAgro and Uralkali are represented on the Moscow Exchange.

The average yield on Eurobonds is 3-5% per annum (paid twice a year). The minimum face value of a security starts at $1,000. The main problem of such securities is liquidity. But more about that some other time.

unit-linked programs

About unit-linked programs, I already . Let me remind you: a foreign product combines savings, life insurance and investments.

Moreover, you can invest in a bunch of foreign instruments that are not available to private investors from Russia. For example, in the same mutual funds, where entry thresholds through a broker often start at $50,000.

By the way, since 2013, it has been successfully traded on the Moscow Exchange, which cover a fairly large part of the markets that were previously available only through foreign brokers.

For some of them, the average annual return from mid-2014 to mid-2016 (in terms of rubles) was about 50%. For example, FinEx MSCI USA Information Technology UCITS ETF (shares in the US IT sector) grew by 49.8% per year.

But foreign currency deposits today bring mere pennies (up to 2% per annum). And no one is already considered as a serious tool for investing.

In this article, I have given only a part of the tools available to an ordinary investor from Russia. Remember that only by collecting from this kind of assets can you be sure of achieving the challenges you face!

What assets do you plan to invest in in 2018-2019? Subscribe to updates and share links to fresh posts with friends on social networks!

Gone are the days when keeping money in a savings account at a bank was considered the accepted norm. Today, everyone knows that money should not be a dead weight, but work. However, this simple rule is not so easy to implement in practice. It seems to many that a small amount of money is not suitable for investing in a business or project. In this article, we will talk in detail about where to invest a small amount of money in order to receive fixed income.

Experts argue that the problem of investing money is a complex issue more from a psychological point of view than from an economic one. The fear of investing in a project overrides the economic feasibility of the rule that money must work. Especially when it's not a big amount.

People consider the issue of investing money to be the prerogative of very wealthy and successful businessmen. At the same time, investing is a way of investing money, regardless of the amount.

To narrow down the search for interesting and really working ideas for investing money, in this article we will limit the budget to 50 thousand rubles. But this does not mean at all that ideas cannot be used for an amount of 5-10 thousand rubles.

Here it is more important to understand the principle of investing and the essence of the law launched by Robert Kiyosaki that "money should work."

Are we saving or multiplying?

Before looking for an investment option, it is important to clearly define the goal. If the goal is to preserve capital, then best method there will be a bank deposit. But at the same time, a bank deposit is not the best way to capitalize a deposit and make a good profit.

Even with the most favorable interest rates, by the time the contract expires, inflation offsets all economic benefits.

This is where you will have to choose between financial risk and capital growth. It is also important to understand that when investing money in any project that generates income, it is important to wait for the time.

It is impossible to pull money out of circulation, whether it be any business project or investment in mutual funds.

You also need to analyze your financial capabilities and decide on the desired income. Money must be truly free.

Golden rules for successful investing

When thinking about where to invest a small amount of money so that they do not lose them and that they bring income, you need to clearly understand the principle of investing.

The rules of successful investing will help you properly manage your earned money and avoid the mistakes that many beginners make.

Rule number 1. Money must be free

Experts recommend that before any investment of money, secure a so-called "financial pillow". This concept came to us from the West and means a specific amount of money that is necessary to ensure life.

This includes food, utilities and medical services, purchase of gasoline, etc. Depending on the situation in the family, the number of children, you need to calculate how much you need for these mandatory expenses per month. Now multiply it by 6 and get the amount that will be the "financial pillow" for 6 months. It is this period that experts determine the most profitable for investing money.

An exception to this rule can only be passive income from a bank deposit that was previously placed with a bank.

Rule number 2. Having a steady income

When investing money, you must understand that money cannot be withdrawn from circulation. You must have active or passive income in order not to withdraw money from the project for a certain period of time.

Therefore, if you are not sure that in the near future you will receive a constant income, then it is better to refuse to invest.

Rule number 3. Distribution of money in different directions

Considering that we are specifically considering investing a small amount of money, it will be difficult to distribute it in different directions.

But in order to understand the rules of the investment market, you need to know that diversification allows you to minimize financial risk as much as possible.

Rule number 4. Planning and strategy

Set a clear goal for your investment. It is important to understand how much you want to extract from the capital that you tax and for how long. Write down a long-term and short-term goal. This will allow you to decide on the investment option and choose the most optimal way.

Rule number 5. Learn the types of investing

Before you invest in a project or give it to a professional for work, study everything yourself available ways investing that suits your amount of money.

Compare risks and opportunities. If you invest on your own, you should start with a small amount of money and choose the simplest ways. Over time, by increasing the experience and level of knowledge, you can move to the next level.

You should be careful about offers of quick windfall profits. At first glance, they seem very tempting, but often carry a very high unjustified financial risk.

7 best ways to invest money

1. Investing in gold or precious metals
2. Purchase of securities
3. Starting your own business
4. PAMM accounts

In order to understand the essence of each of these types of investments, their risks and opportunities, let's take a closer look at each.

Investing in gold or precious metals

When it comes to a small amount of money of 1-2 thousand dollars, then buying gold is the best option. But, as in the case of a bank deposit, here we are talking more about the safety of money than about making a profit.

Unlike a bank deposit, by investing in gold, you will be independent of the inflation rate. Gold does not lose value and every year its face value only increases.

The statistics of Sberbank of Russia show the profitability of metal accounts over the past 5 years in the region of 84%. At the same time, the price for 1 g of gold increased by 30% from 2012 to 2017.

When investing in precious metals (gold, platinum, silver), you don’t have to worry that at the end of the contract, you will receive an amount of money that no longer has the nominal value that it had at the very beginning of the deposit.

Given the economic instability in our country and rising inflation, investors recommend giving preference to just such an investment compared to a bank deposit.

You can choose 4 investment options:

• buying gold bars;
• buying coins;
• depersonalized metal accounts;
• purchase of shares backed by gold.

The undeniable advantage of such a contribution is the availability of this method.

Here you do not need to have fundamental knowledge in the field of investment in order to calculate the profitability and risks of the project. Silver is purchased in ingots from 50 g to 1000 grams, palladium from 5 to 100 grams.

When concluding an agreement, the bank without fail issues a document confirming the authenticity of gold and its estimated value.

What should you know about this type of investment? Gold is a property, which means that when sold to a bank, you will need to pay an 18% tax.

You can get around this moment if you purchase coins instead of gold. The fact is that they are already money in themselves, so they are not taxed when sold.

Another type of this method of investing funds is OMS (impersonal metal accounts). Such an account can be opened in any Russian bank licensed for this type of operation.

Video. Investing in gold

The client purchases gold from the bank at the price that is set on the day of the transaction and opens the OMS. The purchase price of the precious metal in the bank will be higher than on the stock exchange.

When opening a special account, the client does not specifically deal with gold. He transfers money to the account, acquiring a certain number of grams. When closing an account, the bank returns to him the cash equivalent of the current account.

At the same time, there will be no need to pay a tax of 18% for gold. OMS are not subject to VAT. Additionally, interest is accrued on an impersonal account, as in the case of a bank deposit.

But a serious drawback is the financial risk. Unlike deposits, such MHIs are not insured by the bank. In the event of a bank failure, there is a high probability of not returning your capital.

Summing up, it should be said that investing in gold and precious metals is safe, but not profitable. If you are more of a way to save money, then investing in "gold" is best option with minimal risk.

If we are talking about making a quick profit, then this path will not be the fastest.

• long-term investment;
• availability;
• high liquidity of gold;
• precious metals do not lose their value;
• passive income opportunity.

• when selling gold, you will have to pay tax;
• high purchase price of precious metals in the bank;
• long-term investment;
• You won't be able to make big profits right away.

Purchase of securities

This type of investment refers to the purchase of shares and bonds of companies. A security is a document that gives certain rights to property or part of it.

A security has a market and par value. What is the difference? The market price is formed under the influence of supply and demand of the stock market. The nominal value is the actual price declared by the company. It depends on the size of the capital of the company. In simple terms, the sum of all authorized capital divided by the number of issued shares of the company.

Dividends are paid to shareholders based on nominal value, not market value. As a rule, the nominal value is a very conditional indicator and rarely coincides with the market value, which is formed by demand.

The advantage of such an investment is that you can count on good income, which does not compare with annual interest from a bank deposit.

The downside is that in order to manage investments, you need to be well versed in the specifics of the stock market.

Securities are one of the most volatile instruments subject to numerous external and internal economic factors. For beginners who still want to try their hand at investing in securities, experts recommend purchasing dividend stocks. In any case, they will be able to make a profit.

Starting your own business

Many of this type of investment, given the small amount of capital, may be very skeptical. However, today on the Internet you can find a lot of business ideas for starting your own business with minimal investment.

Here is just a short list:

1. Growing house plants.
2. Flower shop.
3. Opening of a nail studio.
4. Shugaring salon.
5. Breeding nutria or rabbits.
6. Production of semi-finished products at home.
7. Home atelier for tailoring and repairing clothes.
8. Making gel candles or handmade soap.
9. Organization of weddings.
10. Cleaning company.

A mutual fund is a mutual investment fund.

This organization is based on the trust management of depositors' money.

The purpose of such a fund is to manage the funds of depositors, while investment processes professionals are doing.

Simply put, you allow experts to manage capital by investing it in various areas of production.

It should be noted that investing in mutual funds today is no longer as popular as it was 10-15 years ago.

In the early 2000s, the rapid development of such funds allowed their investors to extract up to 500% of the profit from projects. Today we are not talking about such a huge profit, but it is still a good type of investment.

Any citizen who has money to buy one share can invest in a mutual fund.

A share is one part that has its own nominal value. The advantage of such an investment is that you do not need to have fundamental knowledge in the field of economics and finance. Professionals will be engaged in the search for profitable projects. At the same time, the PIF does not limit geographical position companies. So, you can invest in domestic and foreign companies.

Experts here use the principle of diversification. The one we talked about in the basic rules for successful investing.

A mutual fund allows you to invest money in the development of companies engaged in oil production, the sale of cosmetics, the production and processing of goods.

How does the investment fund work?

For example, you have an amount of 50 thousand rubles. You understand that this is not enough to launch a large project. If you find 9 more people with the same amount, then half a million rubles can already allow you to launch an interesting and profitable business idea. But where to find the rest of the participants? Here the mutual fund just allows you to combine the efforts of several investors for competent money management. At the same time, the fund does not limit the amount of the contribution. Anyone can become a participant, and the income will be distributed according to the amount of the investment.

It should not be forgotten that a certain amount will need to be given to experts, because it is they who will analyze the market and determine where to invest money.

Each of the participants of the fund, depending on the amount of investment, receives a certain number of shares. This indicates that each share has its own face value.

With all the money, the fund to which you entrusted the assets buys shares of companies (maybe different companies) and manages them on the stock exchange. At the end of a certain period, which is stipulated in the agreement, the participants of the fund can withdraw their profit along with the initial capital invested. And they can only take the profit, leaving the captal to work further.

It is fair to say about the financial risk that exists in this type of investment. Of course, it is, but minimal.

Firstly, professionals who have a special education and extensive experience in the field of investing will work with money.

And secondly, given the principle of diversification, the money will be circulating in different projects. The probability that all projects will immediately “burn out” is minimal.

The good news for those who are afraid to invest in mutual funds is government control. But even in this case, in order to minimize financial risk, it is important to choose the right fund.

Consider several criteria when choosing. Don't just focus on profitability. It can be high performance in a short period or a simple coincidence, a lucky coincidence. If it is profitability for you that is the main criterion when choosing, then analyze the profitability of a mutual fund over a long period of time.

There are open and closed mutual funds, which differ in the rules for entry and equity participation.

An open-ended fund is convenient for a minimum amount of equity participation and a short-term investment.

A closed-end fund offers investment for the long term.

Having on hand an amount of 10-15 thousand rubles, you can already safely invest it in a mutual fund and at the same time count on a profit that will grow every year.

Very often, people, having the amount of half a million rubles in their hands, do not come up with anything new, except to place all the funds in a deposit account.

The income from such an investment will be much greater than from a deposit, but only if this fund works well.

• experts manage the contribution;
• high profitability;
• free entrance;
• low entry threshold;
• possibility of deposit insurance;
• state control over the work of the fund;
• transparency in money management;
• the possibility of withdrawing money with an open form of deposit;
• variety of projects.

• payment for the services of professionals;
• financial risk.

Investing in PAMM accounts

Another option for investing a small amount of money is PAMM accounts. To some extent, this option is similar to a mutual fund in that it pools the money of several investors.

But the main difference is the management of that money. Anyone can become a trader and manage investment accounts. These are brokerage companies that have recently gained great popularity due to intensive advertising in the mass media.

PAMM is a form of money management by one person who "plays" securities on the exchange. All other participants observe the process, making a profit in proportion to the money invested.

In order to implement this type of investment, you need to find a professional successful broker. A professional broker is the key to the success of this type of investment. It is important to understand that everything monetary transactions take place without the participation of the contributor.

If you have always wanted to make money on the exchange, but at the same time you understand that you do not have sufficient experience and knowledge, then investing in a PAMM account will be the best option.

Brokers earn their percentage from each transaction, so they are primarily interested in the success of the project. But at the same time, they do not invest their money, which means they do not bear financial risk. For an investor, investing in a PAMM account is a good opportunity to receive passive income.

Video. Investments in PAMM accounts

Conclusion

Of course, this list of options for investing a small amount is far from complete. In this article, the information was based on the criteria for the amount of capital of 50 thousand rubles and the lack of specific experience.

Today on the Web you can find many proposals on the topic of investing a small amount. In order not to become a victim of scammers, do not consider options for financial pyramids. The tempting offer of quick and high profits is always leveled by the fact of the complete loss of one's capital.

Video. Where to invest a small amount of money?