Where to invest 100 thousand rubles: analysis of the rationality of investing small Money+ 3 promising options for investing money.

If you own some money capital, then, sooner or later, you will think about the possibility of investing the available material resources, say, in obtaining additional profit.

There are many options, which vary depending on the goal that you are pursuing. We will talk about how profitable and with maximum benefit for ourselves to invest one hundred thousand in this article.

Is it promising to invest 100 thousand rubles?

How to properly manage the available capital is a responsible question. Many still prefer not to invest their rubles anywhere, keeping them as a "stash".

But having even such a small amount as 100 thousand rubles, you can increase your profits and succeed in life, if you only know how to invest your savings wisely.

to get returns:

Invest in yourself, in expanding your own knowledge and horizons.

• Firstly, the amount of one hundred thousand is enough to comprehensively check the state of health and take care of it. You can use this money to carry out the necessary examinations, or for a subscription to the gym.
• Perhaps you have long wanted to change the image? Investing a hundred thousand in yourself is a smart decision! Maintaining your health, both physical and psychological, is important.
• One hundred thousand rubles is also a sufficient amount in order to improve your skills or succeed in an area in which you lack knowledge. In this case, this money can be used to pay for courses or trainings. In any case, such a decision will benefit you in life.

Invest in passive income.

This type of investment includes: bank deposits, mutual funds, purchase of shares and bonds. Whichever of the above you choose, you end up with additional income with a minimum of effort.

Invest in building your own business.

At first glance, it may seem that one hundred thousand is too small an amount to start your own business. But this is not so at all ... Creating a small business often does not require large material investments.

Let us consider in detail each of the options where to invest 100 thousand rubles, and discuss the pros and cons of this investment.

Option number 1. Invest 100 thousand rubles in yourself

1. Invest in additional knowledge and skills.

If you have a sum of one hundred thousand rubles, you can invest these funds to receive additional education.

What goals can be achieved if you invest 100 thousand rubles in your education:

Broaden your horizons.

Perhaps there are areas in which you would like to get more knowledge, but there was no suitable opportunity?

Get additional skills to move up the career ladder.

It happens that in order to get promoted at work, people lack knowledge of a foreign language or an insufficient level of computer use hinders. You can take an English or French course and get the pay raise you want.

Get knowledge in the area in which you would like to work in the future.

If everything is clear with the first two points, then we will consider the last point in more detail.

With one hundred thousand rubles, you can easily get an education in the following areas:

• hairdressing,
• makeup,
• manicure and pedicure,
• sewing business,
• Interior design.

At the same time, this amount will be enough not only to receive an education and an appropriate diploma, but also to invest in the purchase of the necessary materials to start work:

Thus, if you invest 100 thousand rubles in this, you can completely change your field of activity, succeed in it and receive a solid income.

2. Invest a hundred thousand in the purchase of expensive devices for work.

This option, in which you can invest hard-earned rubles, will surely interest you if:

• The lack of necessary gadgets hinders your advancement in the workplace.
• You cannot fully follow the situation in the world or the country, you want to expand your horizons and always “be in the know”.
• The acquisition of modern technical devices is necessary for the status.

If any of the above problems are familiar to you, you can safely spend the available amount of one hundred thousand rubles to achieve the necessary goals.

3. Invest in keeping fit.

Although at first glance this investment option seems useless, it is worth taking a closer look at it.

It is worth investing your 100 thousand rubles in this way in this case:

You have long wanted to examine your state of health.

Thanks to this, you will keep your health strong for a long time. This means that you will work more productively, get sick less often, and the risk of investing the same money in the purchase of medicines and operations will decrease in the future.

I have dreamed of going to the gym for a long time.

Buy a subscription to the gym - this is how you put your body in order, and add activity and creativity to yourself.

Wanted to change the image and wardrobe.

In order to be successful, you just need to look neat. Perhaps you should change your haircut or add some colorful suits to your closet.

Whichever option you choose, remember that it's never too late to change something in your life and try something new.

These examples only confirm this truth:

The idea of ​​investing 100 thousand rubles in yourself and your interests will never become unjustified, but, on the contrary, will help you become a successful person.

Option number 2. Invest 100 thousand rubles to receive passive income

The most rational options where you can invest 100 thousand rubles for profit:

• Bank deposit.
• Mutual investment fund (PIF).
• Valuable metals.
• Acquisition of shares.

We will conduct a detailed review of each of the options in order to invest one hundred thousand.

1. Bank deposit.

This idea, where to invest rubles or currency, is the most popular. Most people believe that investing one hundred thousand rubles in is a win-win and reliable option.

In fact, this is indeed the right decision, since the thousands of rubles that you decided to invest are in the bank. So you don't have to worry about them. In addition, you will receive an additional amount for the use of your funds.

But this option to invest your rubles also has many disadvantages:

• A small interest rate - an average of 8% to 10%.
• The inability to withdraw your contribution before the expiration of the contract.
• You may lose your deposit if the bank closes.

Whether to invest in a deposit or not is a personal matter.

But if you still decide to do this, consider all the nuances:

• Decide on the deposit currency - find out in which currency it is best to make a deposit.
• Do not look for the bank with the highest interest rate- a great risk of losing your thousands of rubles.
• Specify the scheme of accrual and payments on the deposit.

The list of the most reliable banks in Russia, where you can safely invest 100 thousand, includes:

2. Mutual investment fund.

mutual funds- these are funds that form their property from the investments of investors (in other words, shareholders), and with the help of management company manage this capital.

That is, you become the owner of a part of the property that makes up the share.

The reasons why this option to invest rubles is gaining popularity:

• Minimum investment- you can invest with from 1 thousand rubles.
• No risk- Mutual funds are properly controlled by the state.
• Refund - at any time you can get your investment back.

But this method also has its drawback - you need to be able to choose the right one. unit trust to invest your capital, as there is a risk of losing investments.

3. Precious metals.

And this market has one interesting feature - prices for precious metals are constantly growing. However, only in the long term investment.

The following metals are considered to be the most profitable to invest your rubles:

Despite the reliability of the idea to invest 100 thousand rubles in precious metals, do not forget about the disadvantages:

• Keeping gold or other bullion at home is quite risky.
• Giving precious metals to the bank for savings is expensive.
• No one can accurately predict the future price of the precious metal.

The easiest way to invest one hundred thousand in gold bars is to purchase the one that suits you at Sberbank: https://www.sberbank.ru/ru/person/contributions/values/metall

4. Acquisition of shares.

This way to invest your capital is also very popular. But you need to understand that investing one hundred thousand rubles in profitable stocks is not an easy task. Here you need to either rely on your own luck, or entrust the choice of papers to a good specialist.

Many also advise buying shares of companies that have established themselves in the market and whose services you use yourself.

By itself, the action is security, which, roughly speaking, gives you the right to own part of the enterprise. Based on the profits received, the company will pay you dividends.

This is one of the disadvantages of buying shares - the amount of your income will not be stable.

Shares are bought and sold on stock exchanges, so before you invest your hundred thousand rubles, you will have to properly study the market and follow the quotes.

Never rush when buying stocks - weigh the pros and cons!

These are the most basic ideas where you can invest 100 thousand rubles to get passive income. Do not forget to think about every step in this matter so as not to lose your money.

Option number 3. We invest 100 thousand rubles in the creation of our own business

To organize a successful enterprise, the available amount will be enough - 100 thousand rubles. Such an investment is always worthwhile, because it will help you reach a whole new level of life.

We will discuss promising business ideas, for the implementation of which 100 thousand rubles will be enough.

Business idea number 1. Organization and holding of events.

The amount of 100 thousand rubles will be enough for you not only to launch such a project, but also to promote it.

The idea has been tested for a long time and is very popular today. This is due to the fact that lately people prefer to entrust the organization of important events in their lives to professionals.

Implementing such a business idea, you can provide the following services:

• Determining the format of the celebration- you help the customer to find out what the scope of the proposed holiday will be.
• Venue definitions- look for a suitable institution, acceptable in terms of pricing policy.
• Celebration itself- services of toastmaster, presenter.
• Room decor - you can decorate banquet halls, prepare arches for the solemn painting of the young, decorate children's parties.

Rental of decor, costumes.

As you can see, the list of services that can make a profit is quite extensive. You can render them all or just some.

Here it is worth considering the geography of the location of your business. If you are going to organize it in a small town, provide the maximum service. But if you plan to develop this idea in a big city, choose a narrow specialization.

Consider a plan for the phased organization of such a business:

You can hold and organize a variety of events:

• children holidays,
• wedding,
• Birthday,
• corporate parties,
• surprise parties

This business idea is not difficult to implement, moreover, it is not expensive. it good way invest your hundred thousand rubles.

Business idea number 2. Opening of a children's hairdresser.

Today, almost all ideas that are somehow connected with children turn out to be profitable. And the children's hairdresser is no exception.

In order to organize such a business, you will need to invest one hundred thousand in such items of expenditure:

1. Rent a room in which the hairdresser will actually be located.
2. Arrange it so that it looks exactly like a children's salon.
3. Purchase the necessary equipment and tools.
4. Run an advertising campaign.

In order for investments in such a business project to pay off faster, you can expand the range of services:

It is almost impossible to fail in such a business.

You just need to correctly position the product and take into account small nuances:

• It is best to organize a children's hairdresser in large shopping centers or (if we are not talking about small towns).
• You need to design the room in such a way that the children want to go there.
• It is worth hiring only qualified specialists for work, because working with children requires patience and accuracy.
• Create your own website where you will inform people about the services of your salon and prices.
• Do not forget about small gifts for young guests.

If you correctly invest the first hundred thousand rubles in this business, then in a few years you can organize a whole network of children's beauty salons.

Business idea number 3. Realization of tropical fruits.

This is due to the fact that large supermarket chains, as a rule, are afraid to purchase large wholesale lots of exotic fruits, as this is a considerable risk. Fruit may not be sold on time and the store will suffer significant losses.

You do not need to buy goods from large enterprises at all. Contact vendors who are willing to sell you small quantities of fruit. You can even find compatriots living, say, in Thailand for cooperation.

You can succeed in this business in this way:

• Sell ​​fruits at retail by pre-order.
• Forming gift boxes from exotic fruits - now such baskets and bouquets are incredibly popular.
• Organize tropical fruit fairs.

In any case, to organize such a business, you need your own website. As long as your profit is small, you can create it yourself on a free platform.

The free platform for creating websites UCoz is very popular:

Such an idea, of course, requires a lot of effort to implement. But with skillful promotion, it will definitely turn out to be profitable, and you will be able to invest your hundred thousand rubles wisely.

Do you have 100 thousand rubles, and you do not know where to invest them?

Business idea number 4. Earnings on vending machines.

To buy one machine, you will need from 7 thousand rubles. But making money on one device will be quite problematic. Therefore, if your starting capital is one hundred thousand rubles, it is better to invest them in the purchase of several installations at once.

Such vending machines are used to sell various products:

• chilled drinks,
• tea and coffee,
• snack products,
• chewing gum,
• newspapers and magazines.

The sale of flowers and french fries has also become new areas in the field.

The chart below shows which vending machines are the most popular:

It is necessary to place vending machines in crowded places and, of course, starting from the goods that will be sold in them.

Suitable places for the location of vending machines are:

• shopping centers,
• educational institutions,
• public transport stops,
• office centers,
• hospitals,
• parks, zoos, amusement parks.

Before purchasing a vending machine, decide on the location of its installation. And then think about which of the machines will be the most relevant there.

If you carefully calculate and organize everything, such a business will pay off within 12 months.

We have considered the 10 most correct options, where to invest 100 thousand rubles, depending on what you want to get from investing this money.

Whatever your initial capital, money should bring income or help make dreams come true.

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If you invested 100 rubles in bitcoin in 2011, you would now earn about 30,000 dollars...

Article navigation

• Investments on the Internet from 100 rubles: high profitability and risk
• ICO and purchase of altcoins
• Investments in sports betting
• HYIPs and financial pyramids
• Conclusion of Online Disputes
• MLM games
• Is it possible to invest 100 rubles and get 200 without cheating

On the Internet, you can not only read the news or look for new friends in in social networks, but also receive passive income from moderate investment. Entrepreneurial users are always looking for where to invest 100–200 rubles and earn money, so we will analyze this issue in detail and identify reliable niches.

Let's start with the fact that in order to invest in online projects, you must complete the "Young Fighter Course". There are many dubious offers on the Internet offering to make money on transfers through magic wallets with double or triple money back. This is a hoax, like numerous polls: 1000 rubles in 5 minutes. An Internet investor must learn to clearly identify reliable tools. If the proposal contains the wording: “quickly, without investments, without leaving home”, then most likely this is another financial pyramid, which is designed to quickly extort money.

Any person (with a good salary or a student of a school or university) can invest in promising areas. You can start with 100 rubles, if you set aside such an amount constantly and accumulate, say, 5-10 thousand rubles. With such a start-up capital, it is quite possible to succeed if you make “bets” on proven directions.

• There are no age restrictions.
• You can invest any amount, even 50 rubles saved on breakfast at school.
• Replenishment and withdrawal of money is carried out on bank card, electronic wallets.
• A large amount of information on thematic sites for earnings.

If a novice entrepreneur gains basic experience, then he can easily find tools for passive income.

Investments on the Internet from 100 rubles: high profitability and risk

Investments from 100 rubles are available to every user who has plastic card or a Webmoney wallet, Yandex.Money, Qiwi, etc. As in “adult” investing, where big money is spinning, there are conservative tools and high-risk directions. The choice of an object for the placement of funds depends on the tasks that the businessman sets for himself. If he wants to quickly earn 100-200% on top, then he will have to use dubious projects like hype, economic games, etc.

There are various ratings of verified sites on the network where you can raise money from 100 rubles, but you should not unconditionally trust this information. The creators of such web resources usually pursue one goal - a set of referrals to different projects to receive additional income. They receive bonuses for every new registration or transaction. Carefully check the data of the agitator in several sources and treat beautiful promises and laid out screenshots critically.

Investments on the Internet can really bring additional income, and in some cases, online projects give much more profit than similar offline assets. For example, if you put 5 thousand rubles on a deposit in Rocketbank, then, taking into account capitalization, the income will be 304 rubles per year. If you invest this money in a personal blog or in a community on Vkontakte, you can earn much more. The only condition is a clear investment strategy and constant business monitoring.

ICO and purchase of altcoins

The popularity of cryptocurrency is difficult to overestimate. Following Bitcoin, other “coins” appeared on the market, each of which is unique in its own way. Predicting growth is quite difficult, but in the case of BTC, the “oldest” investors were able to provide for themselves and their families for several lives. In 2010, Bitcoin cost 3 rubles, 100 rubles could buy 33 coins, and sell them for 24 million rubles (at the exchange rate for June 2019). These are beautiful numbers, but even now, if you invest 500 rubles in a promising cryptocurrency, you can earn 100-200% on top and more.

Novice investors should take a closer look at XRP (Ripple), BNB (Binance Coin), EOS and QSP. These “coins” have a low entry threshold. For example, XRP costs 33 rubles, 500 rubles can buy 15 coins. If the Ripple rate grows at least 10 times, then the income will be about 5 thousand rubles or 500%.

To make 1000 out of 100 rubles, pay attention to the capitalization of the cryptocurrency and follow the financial news. Positive changes have a positive effect on the dynamics of the exchange rate, while negative ones work in the opposite order.

Investments in sports betting

Betting is one of the "simplest" ways to make money on the Internet. Investing 100 rubles and getting 200 is quite simple: you need to choose the right match and place a bet with a coefficient of 2 or more. The problem is that sports events are difficult to predict and different circumstances affect the final result. Very often, outsiders beat top clubs in their field with a devastating score. Although all analysts and cappers unanimously claimed that the outcome of the match was already a foregone conclusion.

There are two ways to make money on sports betting. The first involves studying the theoretical base and tracking the news. The second is based on the forecasts of successful users from the prognozist and vprognoze services. Both platforms have ratings of cappers that reflect their success. Analyze several profiles and choose the right player who not only talks about the exact outcome, but also backs up his words with factual justification.

Investing in esports is a risky and rather complex financial instrument. To earn money, you need to be aware latest news and understand the skill of different players or teams. There are quite a few matches, but there is very little personal information about little-known gamers. You can go the easy way and rely on the predictions of the vprognoze site, some bets go with a large odds.

Definitely do not respond to groups of cool cappers on social networks who daily post wads of money and photos of unknown people with gratitude. There are a lot of such communities, but behind them lies only a thirst for profit and a desire to get more referrals in a bookmaker's office.

HYIPs and financial pyramids

All HYIPs and similar projects are built on the same principle. The owner, the first investors and the lucky ones from the category of beginners earn on them. Promises in advertisements on different sites are quite attractive. For example, "Invest 5 thousand rubles today and get 10 thousand in 2 weeks." Usually, the life span of HYIPs is minimal. The administrator is trying to attract more users at the start, and investors want to invest 100 rubles and get income. As a result, it turns out that the rules for participation are vague, there are no guarantees, and the money invested slips into the wallets of the creators.

HYIP - roulette game. One project can bring fabulous profits, and the second will “eat up” all investments. Losing 100-200 rubles is not a pity, but if you invest a few thousand, then the damage will be tangible, especially for an investor with limited financial resources.

This type of investment involves high risks.

Conclusion of Online Disputes

Similar platforms were popular about 5 years ago. The Betonmoney platform, which was liquidated in 2018, was considered the most promoted service. On social networks, users are still leaving angry comments and trying to find ways to get their money back. The face of the project was Denis Minin, head of the international organization Street Workout. After the project was closed, he does not give any comments on this matter and continues to conduct social activities: opening sports grounds, organizing events, etc. Deceived users in the official community on Vkontakte and on the MMGP economic forum have been writing complaints for the second year, but no news on there is no investigation or class action.

When the Betonmoney site was running, there were quite a lot of disputes, and some players earned several hundred dollars a month. Bloggers and show business stars were attracted to promote the project, but the result is still the same as the HYIPs - closure without explanation.

Now online disputes have ceased to exist, but investing in the Internet is still promising.

MLM games

Another popular trend is economic games. The principle of operation is simple: users buy a certain asset, which brings, for example, 100 coins per day, accumulate capital and acquire a more profitable “object”. Virtual currency can be converted into regular money and withdrawn to the wallet.

You can make money on MLM games, but you need to carefully study the conditions. In some projects, you cannot receive real money until a certain threshold is reached or 3 referrals are registered using a unique link. Among the oldest projects stand out: Taxi-money, Golden Birds and Golden Mines. You can start with 500-1000 rubles.

Is it possible to invest 100 rubles and get 200 without cheating

Investments on the Internet with low risks exist. You can start development without investments or with a minimum amount. Among the promising areas, it is worth highlighting the development of communities in social networks, pages on Instagram, the creation of a personal blog and a Zen channel.

If you invest 100 rubles, for example, in Yandex.Zen, then it is quite realistic to earn 200-300 rubles a day in a few months. To do this, you need to create a channel and constantly publish interesting materials. Articles about show business, politics, cooking and other entertainment topics are especially popular in Zen. Income depends on the number of views and clicks on ads, funds are withdrawn to an identified Yandex.Money wallet. On average, for 1000 readings, the author receives 50–150 rubles.

Ideas for publications can be taken from successful authors, adapting the content to the characteristics of their audience with the addition of personal thoughts. Zen does not like copy-paste, so be sure to check the uniqueness of the article before publishing it in the editor.

To develop a profile on social networks, you will need money for targeted advertising and paid posts from popular bloggers. You can develop a Telegram channel or a Vkontakte group, but you should focus on an unoccupied niche. Another humorous community or a women's blog is difficult to promote without large financial injections.

It is realistic to invest money on the Internet in order to receive a monthly income, but you need to constantly invest, even if the amounts fluctuate within a few hundred rubles. Instruments with moderate risks help increase profits and provide semi-passive income. If you have time to develop a personal brand, then you should pay attention to the Zen channel, Telegram or personal blog. 500-1000 rubles will be enough to start.

Who is an investor? Often, when we hear this word, we imagine people like Warren Buffett or Peter Lynch, or at least those who work with a capital of several 1,000 dollars. But this perception of the term investor interferes ordinary people earn from your savings.

INVESTOR

BUT; m. The person, organization or state making the investment; contributor.

This definition is given by the Great Explanatory Dictionary of the Russian Language. I note that it does not say a word about the amount. A person who has invested part of his savings in dollars can already consider himself an investor.

What can you invest $100 in?

We have already found out that you can become an investor by investing a certain minimum amount, it is much more important to have the right mentality in this matter. Here are some examples of what you can invest $100 in:

An index fund is a type of mutual fund that does not have a management team. The fund's assets exactly reflect the composition of the declared index, so index funds are managed automatically. The advantage for a small investor is reduced commissions compared to a classic mutual fund, which is very important with a small amount of investments.

2. Retail broker

Some retail brokers accept investments from $1. Through them, you can trade currencies, futures or CFDs. This type of investment is quite risky and requires special knowledge.

3. P2P loans

P2P platforms offer to borrow money directly to other private people under enough high percent. This is due to the corresponding risk of loan default, so it is important to study in detail the selection process of potential borrowers when choosing a platform.

The easiest way to invest a small amount in Russia is to open an individual investment account and demand from the state at the end of the year tax deduction. The money transferred to the account can be invested in other assets listed here to increase profitability.

It is not profitable to invest $ 100 in buying shares from a traditional broker, since the brokerage commission will “eat” a significant part of the amount, but today there are a number of mobile services that offer to buy shares with almost no additional costs or a share of expensive shares. Robinhood, Loyal3 are popular apps among young people in the US, but do not yet work in Russia, but their competitor DriveWealth accepts foreign clients.

6. Financial education

If you feel insecure and the thought of investing scares you, start by increasing your level of knowledge. By investing the first $100 in a training course with a practicing investor, you will receive a greater return than by starting to act chaotically and learning from your own mistakes.

Investing in gold does not necessarily mean a physical purchase of the metal (it will be problematic to sell it later). Alternative ways: opening CHI accounts, buying gold coins in a bank. But in order to invest gold with even greater returns, it is better to do it through the exchange: by buying metal futures or shares of a gold-backed fund.

8. Foreign currency

Since we are talking about the amount of 100 dollars, and not 6,000 rubles, we will assume that we have already made the first investment: we have invested in foreign currency. If in the future the ruble falls and you decide to change dollars back to Russian currency at a better rate, you will close the deal with a profit. It is more profitable to exchange money not in physical exchangers, but through brokers, but the method of exchange does not change the essence of the operation.

The hardest part of the investing process is getting started. I recommend not to wait until you have enough funds for this. Try to invest the minimum amount, learn how to manage it and get profit from this. Don't try to make a living out of $100 right away - you'll inevitably expose your account to too much risk. Set goals for earnings in % of your core capital. When you achieve sustainable results, gradually increase the amount of investments. If you do not know how to manage 6,000 rubles, how will you manage 600,000?

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Easy ways to make money

You have a free hundred thousand rubles.

Sasha Volkova

editor, economist

There is food and an apartment, all the iPhones are bought, there is enough for loans. Now you want to invest your money so that it will bring even more money. Or at least not gone. To do this, it is not necessary to put money on a deposit, there are better options. Let's figure it out.

To the stabilization fund (stash)

Why. Everyone should have such a nest egg that is enough for 2 months of life without a salary. If you get 50 thousand rubles a month, you need a stash of 100 thousand. With this money you can live until you find a new job.

If your salary is 70 thousand, save not 140, but 200 thousand. Round sums are easier to save: you will save money to turn the ugly number 140 into a flat 200. Round sums are also easier to store: biting off ten thousand from 140 for a party in a bar is just a prank, from round 200 is an outrage.

How. The stash should be available at any time, so it is better to use a savings account for it. You can open it through the application:

To do the same in Internet banking, you need to click on the right "New bank product", select "Open a savings account", then "Regular account".

You can replenish the account yourself or set up auto payments - the bank will hide the required amount every month after the salary.

pros. Interest income plus capitalization. You can pick up at any time, the percentage will not be lost. But the money is kept in a separate account, so you don't accidentally spend it.

Minuses. Interest on the account only saves from inflation, but does not bring income. Therefore, there is no pleasant feeling that money brings more money.

into yourself

Why. If you already have a stash, but free money remains, do not rush to carry it to the bank or buy foreign currency. Think about how you can get not 100, but 200 thousand free money next time.

How. Invest in yourself: training, health, tools. If you are not advancing in your career because of qualifications, study. If you do not work well because your head hurts, get tested and go in for sports. If you work slowly because of an old computer, buy a new one.

pros. Your qualifications and health are assets that are not going anywhere. If the house burns down and the money depreciates, you can still feed yourself. A good tool will help you: save time, expand opportunities.

Minuses. To improve your skills, you will have to plow: read, listen to lectures, do homework, endure criticism. To improve health, you will have to change habits: monitor nutrition, go to workouts. And you can just buy a computer.

Into a dream

Why. You are working to pay for your desires. If you deny yourself everything, one day you will break loose and squander all your savings at once. Enjoyable spending is an essential part of a financial strategy. Do not neglect your dreams: save up for a vacation, a car or an electric guitar.

How. Put money into the same savings account, but with a clearly defined goal. Indicate the amount and date when the dream should come true. Also give it a name and attach a picture.

Our experts say that it is easier to save this way: if you see a dream in a picture and call it by name, then it becomes almost tangible. You focus, and this motivates you to save. But, in my opinion, it's easier to set up auto payment and forget it. And in a year, a few hundred will quietly accumulate on the account for a dream.

For a large purchase, it is more profitable to open a deposit. Wait until the end of December: before the New Year, banks usually raise rates by 2-3 percentage points. The optimal deposit term is one year. If necessary, open a new one next December.

When choosing a deposit, pay attention to capitalization. If it is, then the accrued interest is added to the account every month. The following month, interest is charged on the entire amount. That is, the income on the deposit makes new income. If there is no capitalization, then the interest is charged only on your 100 thousand.

Minuses. If you withdraw money from the deposit ahead of schedule, then almost all of the gain will burn out. Therefore, a contribution is only suitable if you know exactly when the money will be needed. For example, you save up for your child to study and you won’t need money before August. Or save up for an apartment and you definitely won’t be able to buy it suddenly at a sale.

In growth

Why. With deposits and accounts, it will not be possible to earn significantly: their profitability is 4-10%, and inflation for 2016 is 5.4%. To make money, you have to learn complex tools. For example, invest in stocks or play on exchange rates.

How. Study the market, follow the exchange or the currency market day and night. Develop an investment strategy and stick to it in all circumstances. To do this, you need to control emotions.

Even if you play Monopoly perfectly, when real money is at stake, your nerves will give up. During the decline, the beginner in a panic dumps the stock, and the pros hold the losses. On the rise, the beginner freaks out and takes the money ahead of time, while the pros calmly wait. Professional players are trained to withstand psychological stress.

If you have studied the market and the psychology of investments, you can enter the stock exchange or buy currency. Try to buy as low as possible and sell as high as possible - that's all.

Minuses. Stories about a 50,000% yield attract gullible inhabitants to the exchange. But only professional players can make huge profits in a short time on stocks and currencies.

Many people think that there is no risk if you buy shares in a large company. This is not true. For example, Apple shares in early August 2015 suddenly lost 15% of their highs - this was the strongest drop since 2013.

At the disposal of the average person, as a rule, there is rarely a couple of hundred thousand, not only dollars, but even rubles, in order to make a profitable investment and live happily ever after on stable dividends. But each of us will have 100 rubles in our wallet to invest them in order to earn money, but is it possible to seriously get rich or at least slightly increase our wealth, we will figure it out together!

These projects work with investments from 100 rubles:

Where can I invest 100 rubles: medium-risk methods

First of all, you need to face the truth and understand that investments from 100 rubles are the prerogative of the Internet space, but certainly not some banking institution, bookmaker, and so on. Although if you trust an experienced broker, then your hundred can become a very suitable investment tool.

So, to the question of where you can attach 100 rubles in the first place ideas come to mind :

• Engage in the acquisition of brochures, manuals and other printed tutorials to develop your own business idea;
• Start mediation services.

Now let's take these three most effective ways, where to invest 100 rubles and get income, we will consider in more detail, and for clarity, we will present it in the form of a table:

Investments on the Internet from 100 rubles: how to choose a HYIP project

Try to find several such projects and invest a little bit in each of them, this is a great way to make real capital for further investment. If we talk about specific numbers, then those funds that provide for initial deposits from 100 rubles give a guarantee of 150% profit, with the right choice of fund, and this is already very good.

Try to avoid New Year's Eve investing anywhere, unless of course it's a real state bank! And when it comes to hype, it's also three summer months. No matter how strange it may sound, HYIPs are seasonal earnings.

If your attempts to make money on the Internet with an investment have not been successful, do not despair! Do some serious troubleshooting and draw appropriate conclusions, in the end, 100 rubles is the amount, after the loss of which you will not have to level the consequences of losses for years, which means you can invest it again. And on the other hand, whole districts are being built brick by brick, respectively, even hundred-ruble cash infusions require sobriety of mind and analytical work! Be patient, work on your own experience and then you will definitely get what you want.

Summing up , we can say with all confidence that making money on the Internet with an investment of 100 rubles is not a fairy tale or fiction, it is a reality, but at the same time you need to study all the possible risks and analyze the options presented. Of course, we all understand that it is unrealistic to invest 100 rubles and receive, say, 10,000 income in a short time, in order to even get close to this indicator, you will have to wait at least 1.5 years, and then, provided that investments will be monthly character. By the way, while you are considering and studying these options, you are gaining considerable investment experience, and this is the most best contribution, because, as you know, the most productive and long-term investments are our own knowledge and skills!