It is difficult to invest money at a high interest rate to avoid inflation and even make a profit, but there are several options. Let us consider in more detail where it is more profitable to invest money at interest so that they work.

Many people are trying to save money. But not everyone succeeds. And it's not even that the salary is small, just saving money today is not enough, you need to invest it. If you save money “under the mattress”, inflation eats it up and this type of accumulation can be considered meaningless.

Where, then, is it more profitable to invest money in order to avoid inflation and make a profit? There are several simple and affordable options for investing personal savings, which are recommended to readers by Rossiyskaya Gazeta experts.

Profitable deposits in banks at a high interest rate

The easiest way to invest funds is to open a deposit in a bank. As a rule, the maximum deposit term is two years. But the deposit can always be reopened. Currently average rate on deposit is 8 percent. It is clear that over time the situation can change and the percentage can be either increased or decreased. But this way of investing money is simple and understandable to everyone.

The only thing to consider when choosing a bank is not to chase the maximum interest. It's better to choose reliable bank with state participation.

Invest in gold

Another fairly simple investment option is precious metals. In almost 8 years, a gram of gold has risen in price by 284 percent. At first glance, the investment looks very attractive, because with such dynamics over 30 years, it can rise in price by more than a thousand percent.

However, there is one very big BUT! On the world market, gold is quoted in dollars. As is known, in last years The ruble has weakened significantly against the US currency. And this was not slow to affect the value of gold in Russia. Therefore, if we discard the effect of the ruble devaluation, then the growth is not so impressive. In addition, do not forget that gold is a market instrument, which means that its value depends on a number of factors and there is a possibility that its quotations on the world market will fall, which will also affect its ruble value. Nevertheless, it is potentially quite an interesting tool for long-term investments.

Individual Investment Account (IIA)

As an alternative, you can offer the opening of an individual investment account(IIS). This account allows not only to accumulate funds (as on a bank deposit), but also to invest them in securities(stocks, bonds) to receive additional income. The main advantage of this account is that the state guarantees that its owner receives a tax deduction for contributions (13 percent), as, for example, when buying an apartment.

The only condition is that during the year the amount of replenishment should not exceed 400 thousand rubles, and the validity of this account should not be less than three years. 13 percent of compensation is already income in excess of bank interest and inflation. And if you invest these funds wisely in various securities, you can increase your income. At the same time, you have a choice - to invest on your own or trust professionals.

For example, 24,000 rubles were contributed to IIS in the first year. Tax deduction- 13 percent and income from investing in safe bonds - 10 percent. Total profit for the year will be 23 percent.

Investments in mutual funds

Another investment option is investing in a mutual fund (mutual fund). investment fund). Unlike IIS, here the funds are unequivocally given to management. In addition, no tax incentives not provided, you will have to pay taxes on the income received. Besides, Management Company charges a fee for their services.

The yield of mutual funds varies from year to year, it all depends on what instruments were invested in, on what dynamics they showed. At the end of 2015, individual mutual funds grew by 40-70 percent, while some, on the contrary, lost about 11.5 percent.

Of course, a professional company will evaluate all possible risks, but, unfortunately, it is not always possible to completely avoid them. Therefore, when choosing a method of accumulation, it is worth remembering that the higher the potential profit, the higher the risks.

dollars

What is definitely not worth doing today is trying to save for old age in cash, although the temptation is great. In 2015, the ruble depreciated against the dollar by 21.5 percent. But exchange rates are extremely volatile. And almost in the first five months of 2016, the ruble, on the contrary, strengthened against the dollar.

Having savings in foreign currency for a rainy day is good, but investing all your savings in dollars in the hope of spending them on retirement is probably pointless. The circulation of cash currency in Russia can someday be easily canceled overnight and savings in dollars will disappear.

Conclusion

In general, with such long-term investment horizons, one should remember the rule of a good housewife: "Do not put all your eggs in one basket." It is advisable to divide investments between several instruments, giving preference to the least risky, albeit not the most profitable ones.

Some still don't know where to invest money and how to make a profit from investments!

What do you need to know about investing?

Where is the best place to invest money?

What should you know about where it is profitable to invest money?

Investing money is always a risk.

Even the most reliable banks can fail and getting your funds back can be difficult.

It is not 100% possible to avoid this, but you can choose the most reliable place and make sure that even if the organization collapses, you will get back what you invested.

What you need to consider for a person who invests money for the first time:

Don't invest all your savings in one place.

The attachment must be documented without fail.

This is a mandatory measure that will allow you to get your money back in unforeseen circumstances.

Pay attention to deadlines.

If you wish to receive your funds earlier than the term specified in the contract, you can lose the accumulated interest.

Talk to friends and family to find out where to invest money.

10 best investment ideas

The best ideas where you can invest money:

Suitable as an additional way to save and increase funds.

Few people know what mutual funds are and are afraid to invest their money in them, but in vain.

The income from mutual funds is average, but stable.

In a year or two, you can get about 40% of the original amount.

Real estate.

Investing in real estate is the best option.

Real estate prices can rise and fall, but they always rise in the end, and selling an apartment at such a moment brings a lot of profit.

You can also rent an office.

Owning a business is a great way to invest, save and increase money.

In order not to lose funds, it is necessary to draw up a clear, as detailed plan as possible, weigh all the pros and cons and choose the business that you like.

Shares and securities.


Over a long period of time - about 5 years, the invested money grows many times over, however, in order not to lose funds, you must have some experience in securities trading, and have at least minimal financial knowledge.

In order not to burn out, you should choose a manager who will do everything necessary.

Metals: gold, silver.

To purchase ingots and coins, you need to contact Sberbank of Russia.

You can also purchase gold-backed securities by visiting stock exchanges.

Investments are highly effective, however, it should be borne in mind that when selling gold bars later, you will have to pay a tax of 13%.

Own site.

Investments in the creation of the site are not too high and fully justify themselves.

One well-promoted site can bring up to 40,000 rubles every month, depending on the amount of advertising placed.

Venture fund.

Venture funds are now considered a worthy alternative to other financial instruments.

The investment pays off, but you need to wait a few years to make a profit.

Own development.

A person who wants to increase his capital and earn big money should never forget about his own development.

Investments in this case are made in education, appearance, knowledge of the world - travel, seminars and trainings.

A multilaterally educated person will always find his place in the world.

Art.

Buying and selling art objects: paintings, first editions of books, antiques, you can earn a lot of money.

But for this you need to understand the value of things, be able to separate the wheat from the chaff, or resort to the services of a specialist.

Making a decision about where is the best place to invest, you need to calculate all the options for the possible development of events.

In order not to lose all your investments at once, in the event of a negative development of events, it is recommended to invest in several different directions.

Tips for those who want to invest their money:

1. It is necessary to think about saving and increasing funds in those periods when everything is in order with finances, and the payment of a large debt does not hang on the nose. Panic sometimes makes you take the wrong actions.
2. Within six months, you should accumulate an amount that will be deposited in the bank at interest. The larger the amount, the more you can eventually withdraw from the account.
3. Always strive for financial freedom. Do not reassure yourself that everything is fine today and nothing more is needed.
4. If you have children, think about their future right now. You can open a savings account in the name of the child and put money on it until the age of majority.
5. Once every three to four months, create a new source of additional income.
6. Most effective ways investments remain the same from year to year. These are real estate, investments in precious metals, and stock markets.
7. Gold is more liquid in bars than in the form of numbers on a brokerage account. It is best to invest in gold indices in the stock markets.
8. You should use the stock market as a means of investing and multiplying capital only if you are confident in your financial knowledge and abilities.
9. It is best to think about securing your future at the age of 20-30. However, due to inexperience, you should resort to the help of specialists so as not to lose investments.

Investments without losses: where is it better to invest money?

By following the basic rules compiled by investment experts, you can achieve a multiple increase in capital and reduce risk.

Main investment rules:

Reinvestment.

Received by investing cash should not be spent immediately.

They need to be invested in other projects, leaving a certain percentage of the profit for the necessary expenses.

Don't invest your last money.

If you invest everything that is in your wallet, you can be left without a livelihood at all.

The main rule of successful investments is to act wisely, and investing all the last funds is a crazy act.

Attentiveness when concluding transactions.

Read all the documents, demand the drawing up of a contract and consult with specialists.

Investing money in different baskets.

One project will bring money earlier, the other much later.

To always make a profit, you need to calculate the funds, and distribute them into different baskets - deep and lower.

Where is the best place to invest large sums money during a crisis

you will learn from the video:

Where is it profitable to invest money - features of investing in real estate

Many people buy housing at the stage of its development at the lowest price, and subsequently resell it, receiving a good percentage.

However, in this case, there are several pitfalls and the risk of running into an unscrupulous developer.

To get the most out of your real estate investment, you should purchase one and two-room apartments, but not three-room ones, because they are bought worse.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are best left to the locals.

It will be very difficult to sell an apartment in the Capital.

To quickly find a buyer, you should make cosmetic repairs in a new building.

There are many answers to the question where is the best place to invest money, but everyone chooses the correct answer for himself, in accordance with the possibilities.

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Description: when free money appears, it is advisable to invest it somewhere so that it works and makes a profit. You need to do this wisely so as not to spend all the money for nothing. So that you do not have to wander in the dark, I have compiled a selection of ideas where to invest money in order to receive a monthly income or make a profit in the long term.
Payment: depends on investment
Requirements: amount for investments (from 1000 rubles), it is advisable to study books on investing.

How to invest money to make a profit

I must say right away - invest only if you have "free" money. You should not sit on water and bread, hoping to get rich in a month - this does not work. The investment rules are simple:

• No risk = little profit.
• Big risks = big returns (if you're lucky).

Therefore, you should not enter the game if you have to bet the last savings. AT last resort use the money saved for vacation - in the worst case, you will spend your vacation at home.

If there is absolutely no free money, try saving 10% of your salary for several months. When you have savings, try to invest them.

The minimum amount for investments is 100-1000 rubles. This money is enough to try your hand without fear and make the first investment.

Over the years, a set of tips has emerged that will help novice investors. Don't dismiss these "truths" that seem obvious. Listen and do not break them, so as not to lose all the money.

1. Don't borrow- this is the basic rule of novice investors. Never take loans to invest money. There are too many risks of losing everything, and there will be nothing to pay back. Count only on the available money.
2. Don't put your eggs in one basket. In investment circles, this is called “risk diversification.” Invest in different areas and companies to increase your chances of making a profit. If somewhere the case does not win, in another place you can receive income and recapture investments.
3. Start gradually so that in the first month you don’t lose all the money you have set aside. Study the issue, invest a little bit (no more than $ 1000), and only when you figure it out and start making a profit, increase your investment.
4. Invest your profits so that the money keeps spinning and bringing in more money.
5. Take risks, but in moderation. Be prepared to take risks and lose money. Study offers, analyze and try to find the optimal ratio of profit and risks.

With the help of investments and investments, you can create a passive source of income for yourself. But you need to act gradually and be sure to study a couple of books or courses on investing. Preferably from famous people who understand this matter.

Where to invest money
to receive monthly income

Let's look at where you can invest money to make it work. The article provides several options, so it will not be possible to consider each in detail. Here you will find only basic information, and if something interests you, you can study it in more detail on specialized sites / forums.

1. Bank deposit- a popular way to save money, and increase it a little. The risks here are minimal, if any, so the returns barely exceed the rate of inflation.

Suitable for cases when you have set aside the amount of money for a long-term project (buy an apartment, for a university for a child, etc.), and do not want them to lie idle. In this case, you can be sure of their safety. You will not see big money, but if you are still afraid of risky areas, the option is good.

2. Real estate is a classic investment tool. A well-known rental option, when you get paid every month for the fact that someone else lives in an apartment / cottage / country house. If there is no apartment, you can consider a cheaper option - a garage. This also includes the option with commercial real estate - people do not live, but work in rented premises.

Commercial real estate brings in more money, but there are a lot of nuances to consider.

It should be borne in mind that the premises can be damaged, so it is advisable to insure it against various cataclysms (fire, flood, gas explosion, natural disaster, etc.).

The entry threshold is from 200 thousand rubles and more.

3. Shares in the stock market These are already “serious” investments that can bring good profits. It is believed that this is a very difficult area and it is contraindicated for beginners to get into it. In fact, everyone can figure out the nuances and make money on it.

First you need to open an account with a broker (for example, good reviews about Otkritie Brokerage House). Find a list of eligible stocks that pay dividends, you can look on the Internet or ask a broker. Choose the right shares and buy them.

If you do not want or are afraid to manage investments on your own, entrust this matter to a trader - a professional manager.

There is another way to make money on stocks - speculation. The principle is similar to the basic principle of trading: buy low, sell high. But you should not start with this, it is suitable for experienced "players".

The entry threshold is 1000 rubles.

4. Mutual funds- mutual investment fund. You can purchase a share in the investment portfolio of such a fund (shares). After a certain period of time, you will receive a percentage of income equal to the size of your share. But keep in mind that the value of a share does not always increase - you can work in the red.

You can invest little by little in different sectors and sectors of the economy to increase your chances of success.

Keep in mind that payments do not occur every month, but at the agreed time. Therefore, you should not count on monthly profits.

The entry threshold is from 1000 rubles.

5. Investments in startups and young projects- Recently, this direction for investments is gaining popularity. You do not have to search for projects on your own and work with unknown persons. There are special platforms where you can invest in promising projects.

When the project is launched and starts to generate income, you will receive monthly deductions as a shareholder. The amounts of payments and their conditions are described on the websites and in the description of the project.

Keep in mind that not all young startups succeed, and some die before they even start. Therefore, carefully study the proposals, evaluate the business plan and invest in serious projects.

The entry threshold is from $1.

6. Money on credit- You can act as a banker and lend people money with interest. You can offer your services to friends and acquaintances so as not to take risks with strangers and not delve into legal aspects. Or open an organization (which is much more difficult).

Choose an interest rate lower than in other micro-finance institutions to offer profitable terms"clients". Even if the rate is 0.3% per day, it will be 100% per year. Do not forget about the return guarantee - sign a contract or take valuable thing as collateral (like a pawnshop).

Investments in WebMoney- a great way to implement this idea easier, and not ruin relationships with friends. If you have a small free amount on your balance, you can offer it to someone on credit. Conditions are negotiated, a percentage is assigned, etc. And every month you will receive a percentage of the amount issued (assign yourself). There are situations when lenders do not return investments, so there are still risks. Read more in the webmoney section credit exchange.

The entry threshold is from 1000 rubles.

Now you have at least 6 ideas where to invest money in order to receive a monthly income or make a profit in the long term. Follow the basic rules, learn the secrets of investing, and only then start practicing. In this case, it is better not to rush.

Content

To be able to earn good money is a great art, but more importantly, to keep it and increase it. Paper money hidden in a secret place depreciates over time and loses its purchasing power. Investors with experience know that in order to grow savings, it is necessary to create an investment portfolio. Money should be placed in different financial institutions under different deposit programs and interest, and in such operations the most profitable deposit is accompanied by increased risks.

What does a profitable bank deposit mean for individuals

A wide range of deposit offers and shares, the difference in interest rates, parameters and terms of placement should not distract from the main task of maintaining your savings. In order to choose the most profitable deposit, at the first stage it is necessary to determine the reliability of the commercial financial structure. The next step is to evaluate the yield, which depends on the annual deposit rate, period of capitalization and the possibility of replenishing the deposit account. Many depositors require the freedom to withdraw their funds at their convenience.

The purpose of the deposit

To choose the right deposit program, decide on the amount you want to invest and the period after which you will need this money. These initial data make it possible to determine your purpose of the deposit - to receive a short-term income or to steadily accumulate funds with additional replenishment of the account. It is more profitable for bankers to deal with a client who invests money for a clearly defined period. This provides an opportunity for a banking institution to plan its credit and financial operations for the same long periods.

How to choose the most profitable deposit

To protect citizens' money, there is a bank deposit insurance program. In case of loss by the bank of the money invested by the borrower, compensation is made in the amount of 1,400,000 rubles per deposit. Given this amount, it is worth making investments in several banks. Choosing the most reliable of them will simplify the solution of the problem of depositing a large amount. The population of the country, workers and pensioners have the opportunity to compare the services of banks, and choose the most profitable deposits. A balanced deposit portfolio should contain both highly profitable and highly reliable investments.

Interest rates on deposits

After choosing a bank to determine the most profitable deposit, you should decide on the maximum interest rates and the final reward. The resulting, or effective interest rate, taking into account the additional deposit of cash, commissions differs from the nominal one. Large financial institutions do not offer the highest yield, as they guarantee reliability with large amounts of ruble and foreign currency deposits. Smaller ones increase rates, introduce attractive conditions for capitalization, replenishment, and try to attract depositors.

Interest capitalization

Let's say you made your first deposit for 3 months. After the end of this period, 0.25 of the annual interest rate for the selected deposit program is credited to your deposit. You add the amount of accrued interest to the main deposit, and leave the total amount of money for the next 3 months. This process is called capitalization of the received profit. A simple calculation shows that the shorter the capitalization period, the greater the final income at the end of the deposit period. The term of capitalization varies from 1 month to the full period of the deposit.

Deposit amount

Russian legislation does not limit the minimum and maximum amounts of investments. With small deposits, it is worth using the amount of compensation for their insurance for calculation. The probability of bank failure in the era of global global crisis remains high. At large sums investments, from 10 million and above, it is worth choosing reliable institutions. The amount of the deposit directly affects the interest rate. The higher minimum threshold entry into the deposit program, the higher the interest rate. This applies equally to ruble and foreign currency deposits.

Deposit currency

One of the main factors for an investor is the determination of the deposit currency. The ruble is subject to inflation and exchange rate fluctuations, but it has the highest stakes. The dollar and the euro are more stable currencies attracted at a lower percentage. It is worth noting that the difference in currency greatly affects additional terms on deposits. For the dollar or euro, banks impose restrictions on free replenishment and early full or partial withdrawal of funds. The manager of the institution will tell you how to take advantage of the available foreign exchange programs.

Possibility to replenish the deposit

Some profitable deposit agreements make it possible to replenish your account at any time. There are programs under which you can only add funds after a certain period of time. The scheme for making replenishment of the deposit account is a quarterly table, which describes the change in the interest rate. This change looks like a ladder with 0.5-1% steps, with the highest rate in the 1st quarter and the lowest in the last. There has been a widespread ban on replenishment in recent months.

Interest withdrawal

The term of the deposit specified in the deposit contract determines the time after which the depositor has the opportunity to access his deposit account and manage the money as you see fit. In the case of monthly capitalization of interest, their withdrawal will hinder the growth of your asset. There are rules by which your income is transferred to an additional account. Sberbank offers Savings certificates, the most profitable of which with a par value of 100 million rubles or more bring an income of 7.2%.

Where to open a deposit at a high interest

Which bank is the most profitable in terms of deposits

A study by our experts showed that the Development Bank offers a large percentage of deposits. The rate on ruble deposits of the Premium program for 12 months depends on the amount of the deposit. With a minimum amount of 15 million rubles, the maximum rate is 14%, and with a deposit of more than 30 million rubles for 1 year - 14.3%. Interest is accrued and capitalization is made at the end of the term with the possibility of replenishment. Attractive annual rate for other currencies. With an amount of 5 million dollars or euros, the rate is 7%.

The highest interest rates on deposits today

The table shows profitable deposits of Russian banks.

Profitable deposits in rubles

Given the availability for most depositors, the most profitable deposit is offered by the Asia-Pacific Bank. At the entrance from 125 thousand rubles under the programs "Future" and "Investment" the rate is 10.5%. The second most popular program "Katyusha" provides for 8.8% per year. Unicredit on deposits offers a yield in rubles - up to 9.8% per annum, in dollars - up to 3.23% and up to 1.18% - in euros. The deposit "Maximum" of Inbank will bring 9.38% per year with terms from 1 to 36 months, with the possibility of replenishment, monthly capitalization, partial withdrawal and the minimum amount entry from 50,000 rubles.

To choose the most profitable deposit and the right investment strategy, you should contact experienced investors. Managers financial institutions will not be able to help you choose the most profitable investment. Each of them is interested in attracting depositors to their bank. A competent portfolio investor will help analyze the effectiveness of your investments. The final income and the resulting interest rate differs from nominal and promotional offers. It is necessary to take into account additional banking fees transferring money to accounts, converting.

It is worth considering the possibility of investing part of the free funds in different currencies, in gold and other precious metals. In recent years, the largest banking structures around the world choose bitcoin as their reserve currency. Literate financial reviews analytical sites will help you choose the optimal behavior, and teach you how to choose the right strategy and tactics for using financial resources to create passive income, show new directions for acquiring assets and the most profitable contribution.

Profitable deposits in foreign currency

We have considered the most profitable investment in foreign currency from Development Bank, but deposits with a high percentage are offered to large investors. The average yield in foreign currency for Russian banks varies from 1 to 2% per annum. Taking into account the factors of reliability, prevalence, accessibility, the most profitable deposit from Alfa-Bank Pobeda + with a rate of 1.97% per annum in dollars is attractive.

The effective deposit income rates for the dollar are higher than for the euro. The European currency under the influence of the geopolitical problems of Europe, in recent years, shows its instability. The ongoing change of the political elites of the European continent, the new US president, the growing tension between the superpowers, the prospect of several countries leaving the European Union do not add stability and prospects for investors to the euro.

Deposits in Moscow banks at the maximum percentage

The best deposit rates are offered by Moscow banks. BCS, with amounts from 500,000 to 1,000,000 for clients who have concluded DCBO in subsidiaries located in Moscow, launched the Superdeposit program, the most profitable deposit with an annual yield of 9.3%. Absolut Bank with a deposit " progressive income"will raise your income by 9.15% per annum. Ziraat Bank Moscow in its "Term" deposit with an entry amount of 90,000 rubles will offer 9% per year with the possibility of replenishment, capitalization and prolongation of the contract for 730 days.

The Ural Interregional Bank offers to deposit from 10,000 rubles to the “Profitable” deposit at a rate of 8.8% and for a period of 91 days to 1 year. The interest rate under the "Maximum Online" program from Dolinsk Bank is from 7.35%. In Center-invest Bank, the project "Urgent for 1 year with auto-prolongation" at 8.3% from 15 million rubles. "Own people" in National Bank Trust will receive 8.85%.

Deposit « « Max percentage(online) "BinBank provides for a rate of 8.5% from six months, but with interest paid at the end of the term. Under the All Inclusive - Maximum Online Income program of the Moscow Credit Bank, 7.75% is charged on cash contributions from 185 days with a monthly capitalization. Credit Europe Bank offers the "Optimal +" deposit at 8.75% with a monthly income payment, and "Rentier" at 8.6%.

Moscow Industrial Bank on June 2, 2019, launched the Spring Traditions program with a rate of 8.38% per annum with a minimum start of 30,000 rubles for a period of 360 days. The main characteristics are the payment of income and capitalization quarterly, preferential termination, replenishment in periods with a "ladder" yield from 9.5 to 7%. The "Tradition of Success Maximum" offered by Promsvyazbank provides an income of 8.8% per annum in rubles. The "Investment" deposit will bring 8.6% with terms of 180 days with replenishment, capitalization and preferential termination.

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Which bank has the most favorable conditions for deposits and a high percentage of the deposit

Money depreciates over time, meaning it loses its purchasing power due to inflation. This process happens all the time. That is why keeping your savings under the mattress is unprofitable and unreasonable. Funds must be invested profitably. Only in this case they can be preserved and increased.

You should not think that only wealthy people can profitably invest in Moscow or another city in the country. Every person should be able to properly manage their savings. At the same time, the main danger for any investor is the lack of information. That is why it is necessary to study in detail the experience of successful people, the basic rules for investing money, expert opinions, and so on. You should start your journey by reading this article. If you are interested in information on how to work with online investments, then follow the link. Important: come back, there is a lot of useful stuff here!

Basic principles of investment

There are 5 basic principles, which should be followed by every person who wants to get a good return on investment of money with the least risk. They are formulated taking into account the experience of the world's leading investors. Ignorance or neglect of these rules can be costly. Let's examine each principle separately.

Principle 1. Create a financial cushion.

Without a certain financial base, investing money is strictly prohibited. The only exception is Bank deposit. After all, it is rather not an investment, but a savings instrument. Investments are often associated with risks, when investing money you must be aware that there is always a chance of losing it.

What is a financial cushion and how to create it? We are talking about a six-month supply of money on which you and your family can live, maintaining the usual standard of living without other sources of income. To create such a pillow, you need to regularly save financial income (for example, salary) or sell existing property.

If your family spends 50 thousand rubles a month, you need to collect at least 300 thousand rubles. Only then should you think about what you can profitably invest in.

It is worth noting that you can engage in profitable investment of money without a financial cushion only if you have passive income. They call it a flow of incoming funds that does not depend on daily efforts. This can be income from your own business, renting out an apartment or dividends on shares.

Principle 2: Diversify your investment.

For money to work correctly, think about what it can be invested in in order to comply with the principle of diversification, that is, separation into different instruments. This concept is probably familiar to you. In other words, it means "don't put all your eggs in one basket". After all, if it falls, you will be left with nothing. The same will happen with your funds if they are invested in one project. Always adjust your investment portfolio: let's say your investments have grown over the year in one of the industries. Then you need to add part of the money to other projects so that the invested finances do not accumulate in one area

Diversification involves investing money not only in different financial instruments, but also in sectors of the economy. For example, if money is invested in the stock market, build your portfolio so that they work in companies in different sectors.

What is an investment portfolio? It is the totality of all assets of the investor. If you have invested in a business, stocks, real estate, all these profit-making tools will be called an investment portfolio.

To make it as resilient as possible to market changes, it is recommended to distribute savings between the banking, oil and gas, manufacturing, agricultural and food sectors. If one area suffers losses, the rest will “pull” funds up and will not allow the investment portfolio to sink.

Principle 3: Control risks.

Risks are the main problem that absolutely all investors face. Before investing, think about how much investment you can lose and where you can compensate for them. Only after that it is worth predicting the possible profit.

Unfortunately, novice investors make the same mistake. Having overestimated their strength and experience, they immediately choose aggressive investments instead of investing in more conservative instruments. As a result, the investor loses all his savings.

Profitable investment of funds is the same science as any other professional business where a serious approach is required. That is why it is necessary to evolve in this direction gradually, moving from simple to complex.

Start with $100 or $1,000. You should not invest large amounts, especially in something that you know little about. Never take loans or loans with the hope of multiplying them in some super profitable way. In 99% of cases, this ends with the loss of the entire amount and debt obligations. Agree, no one wants to be in debt for 500000 or even 1000000 rubles

Thus, do not rush. Future millions will not run away if you take the time to become a good specialist in this area. Otherwise, it is impossible to earn a lot of money.

Principle 4: Attract co-investors.

As experience is gained, funds can be invested together. So you get more opportunities and can choose the most profitable investments.

For example, you know about a profitable and reliable project or tool, you have free funds, but they are not enough. Then it is worth finding people who are ready to support this investment idea and invest on a parity basis with you.

Recently, trading accounts have become a fairly common topic. In this case, people transfer to trust management their savings to a professional manager. However, he cannot dispose of them on the right of ownership. Funds can only be used for profit. The manager receives a percentage of it as a reward for good work.

Thus, several investors can create a trading account and transfer it to trust management. They take all the risks in proportion to the money invested. At the same time, investors can agree with the manager that he stop working when he receives losses in a specific percentage.

IMPORTANT: If we sum up such a scheme, we can see that experts agree that it is better for investors to be willing to donate, for example, 15% of their savings to earn 30%.

Principle 5. Create passive income.

Capital increase is very good. However, it is equally important to create passive income from investment activities.

Let's say you invested 100 thousand rubles in 2018, and after 1 year, in 2019, you received 130 thousand rubles. In this case, the income is 30%. But there is no guarantee that next time you will receive the same amount. It should be borne in mind that a yield of 30% is much better than a bank one. This means that the risks are also higher. If something goes wrong, you could lose all or most of your savings.

ADVICE: On the other hand, if for 100 thousand rubles you could create passive income for yourself (for example, the same 30 thousand rubles a year), you can easily take a loan for the same amount. These funds should be invested more conservatively. Asset and passive income will act as a guarantee of the return of the borrowed money.

How much can you start investing?

You can start investing in Moscow or any other city in the country with any amount. If you have chosen a bank deposit, earnings on the Internet or stocks as an investment instrument, even 100 rubles will be enough.

What to do if there is no money at all? In this case, you need to start saving at least 10% of any income. Thus, the habit of creating for oneself will be formed. financial reserve. As income rises, savings will increase proportionately. The invested funds will work, and you will rest.

The fact that it is necessary to save money is said by all famous people who teach the correct handling of finances and show by example where it is better to invest. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.

Unfortunately, as their income increases, many people spend even more. Some even take out loans because they don't have enough money all the time. In this case, it is impossible to become a successful investor and earn the desired amount. That is why you need to constantly monitor the balance between income and expenses, live within your means.

Where to invest money to make it work?

Today you can find a lot of information about where to invest. There are both traditional and more modern methods.

Banks

A bank deposit is the most popular way to invest your money. However, the income generated is barely comparable to the rate of inflation.

The advantages of this method include:

• high reliability;
• high liquidity;
• the minimum threshold for investing money;
• simplicity and clarity of the investment instrument.

Disadvantages of a bank deposit:

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

Real estate

You can invest in residential or commercial real estate. Of course, in the second case, you can earn more. However, to buy commercial real estate great knowledge is required.

Pros:

• the opportunity to earn money on the difference between the cost of buying and selling;
• the opportunity to receive passive income by renting out real estate;
• protection of funds from inflation;
• the opportunity to invest in real estate for their own needs.

Minuses:

• low liquidity;
• high entry threshold;
• susceptibility of objects to mechanical damage.

Mutual funds

Such organizations are a form of collective investment and use the funds of individuals. In other words, mutual funds take the money of shareholders and purchase shares of certain companies for them. The profit received is distributed in proportion to the contributions of the participants.

Mutual Funds Advantages:

• interest at the end of the reporting period is often higher than in a bank;
• a wide range of investment instruments;
• small initial investment.

Disadvantages of mutual funds:

• the complexity of the process of investing funds compared to bank deposits;
• relatively high risks.

Trading accounts (Forex market)

In this case, the money is transferred to the management of a professional trader. He makes currency transactions in the Forex market. At the same time, account holders can control their savings and, if necessary, stop the work of the manager and withdraw the money earned.

Pros:

• small entry threshold;
• high profitability;
• the ability to change the manager at any time;
• the possibility of withdrawing money at any time;
• no need for special skills and knowledge.

The only disadvantage of trading accounts is high risks. Each manager can lose funds, regardless of his experience.

Binary Options

In this case, the trader determines whether the value of the underlying asset will be higher or lower than its current price by the time of expiration. If the forecast comes true, he makes a profit. Very simple and fast way earnings, however, the risks are appropriate: without a clear strategy, you should not thoughtlessly invest.

Pros:

• a large selection of trading instruments;
• the possibility of planning potential profits;
• the ability to trade anywhere and at any time;
• simplicity and short-term trading;
• small entry barrier.

Minuses:

• high level of losses;
• no possibility of early closing of the transaction.

Issuance of microloans through the stock exchange

In this case we are talking about P2P lending, that is, when the lender and the borrower are ordinary citizens. They cooperate through various exchanges without the participation of banks.

Pros:

• a small entry threshold is set;
• the lender independently decides to whom and under what conditions to issue money;
• access to the system and work with clients are carried out around the clock;
• the lender can diversify capital, that is, consider an unlimited number of applications and conclude any number of transactions.

Minuses:

• insufficient protection of investors (often they have to independently chase people who do not repay loans);
• the inability to fully verify the solvency of the borrower;
• many exchanges are HYIP projects.

Business

Do you have an entrepreneurial spirit and some commercial experience? Then own business can become the most profitable investment. There are also certain risks here. However, the investor can flexibly manage them, since he makes decisions on his own.

Pros:

• the investor independently manages the funds, building and optimizing business processes;
• it is quite easy for a business to find a pool of investments, which allows you to raise additional funds;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risks of loss of funds;
• low liquidity of many assets;
• the need for personal participation in the conduct of business.

Securities

The use of this tool requires professionalism and skill. There are many examples where the shares of some firms have grown several times in a short period of time. However, there are hundreds of other organizations that have gone bankrupt. Nobody advertises this. There is no guarantee that the money invested will bring a profit.

Benefits of securities:

• you can get high profits;
• you can independently come up with an investment scheme;
• you can invest even a small amount of money;
• the resulting profit and loss depend only on the investor.

Minuses:

• certain knowledge is required;
• expected income is unstable.

precious metals

Precious metals have always been highly valued, and their value is increasing every year. That is why this method is one of the most reliable. Money can be profitably invested in gold, silver, platinum and palladium.

Pros:

• the presence of various forms of investment (bullions, coins, compulsory medical insurance, securities that are backed by precious metals);
• relative exchange rate stability;
• preservation of the value of metals for a long time;
• protecting funds from inflation.

Minuses:

• relatively low level of liquidity;
• slow growth in value;
• high tax on the purchase of bullion;
• high spread when purchasing coins;
• when opening a CHI, making a profit is possible only in the event of an increase in the cost of the metal.

Art

Paintings, sculptures, antiques, retro cars and so on are considered as an investment asset. Money invested in art can be easily withdrawn by selling exhibits at auction.

The advantages of this method:

• the opportunity to get super high profits;
• increased resilience to economic and political shocks;
• minimal risks.

Minuses:

• large entry threshold;
• low liquidity;
• the difficulty of assessing the cost and authenticity;
• long term investment.

Venture funds

Venture funds accumulate on their accounts the funds of investors who invest in the development of startups. The most popular are innovative and high-tech projects, because their prospects are much higher, and high-tech startups require initial capital to get started, but the revenue is much higher.

Advantages:

• maximum return on investment of money if the project is successful;
• small entry threshold;
• opportunity to gain useful experience.

Flaws:

• big risks;
• relatively long time for the project to reach self-sufficiency.

HYIPs

is an investment fund operating on the principle of a financial pyramid. In this case, the money is paid out from the funds of new investors. How to make money in such projects can be easily found on the Internet, this industry is built on advertising noise and each developer tries to make the project as accessible as possible.

Pros:

• crazy profitability (1-3% per day);
• high rate of profit;
• low entry threshold;
• complete anonymity of all participants in the process.

Minuses:

• high level of risk, since it is difficult to predict the time of the HYIP;
• lack of a chance to return the lost funds.

Cryptocurrencies

- this is the same money, only in digital format. We are talking about Bitcoin, Litecoin, Namecoin and so on.

Pros of investing in cryptocurrency:

• the opportunity to earn on the exchange rate difference;
• small commissions for transactions or their absence;
• small entry threshold;
• uncontrolled exchange of money between users.

Minuses:

• high volatility;
• lack of guarantees for the safety of funds;
• certain knowledge required.

Sites under CPA

If you are looking for where to invest money, you can also choose to invest in an information site, forum or blog. It must be created for a CPA affiliate program. These sites host thematic traffic and affiliate links. The owner receives money for a certain user action (for example, buying a product, watching a video, downloading a file, filling out a questionnaire, and so on).

Advantages:

• various actions are paid, and not just the purchase of goods;
• you can choose several partners at once;
• affiliate links can be placed even on sites with low traffic.

Flaws:

• non-transparency of relations between partners of the CPA network;
• possible payment failures.

MFA sites

MFA sites are designed to make money on contextual advertising Google Adsense.

Pros:

• high cost per click due to competition among advertisers;
• minimum requirements for sites;
• availability of analytical tools;
• the speed of adding a site to the system.

Minuses:

• the minimum withdrawal amount is $100;
• earned funds can be received only by depositing a personal check sent by mail for collection;
• there is a risk of blocking the account.

Such sites are created to sell rental or permanent links. This way of earning was very popular in the past. However, today there is a decrease in income due to increased risks for buyers.

Pros:

• instant income;
• ease of earning;
• constant rise in prices.

Minuses:

• the risk of falling under the filters;
• decrease in the relevance of links;
• permanent decline.

Phone applications

The easiest way to make money is on simple phone applications that can help in some way in life. They can also combine useful information on a particular topic. In addition, these may be free applications in which you can buy something while using it.

The advantages of this method:

• the investor needs a small amount of money;
• you can make good money if the application is unique and useful;
• invested funds are almost impossible to lose, because everything depends on your efforts.

Flaws:

• a good idea is required;
• it takes a lot of time and effort.

This method can be called very good. However, it is precisely ideological active performers that are needed. Making money on the Internet is a very promising direction, if you pay due attention to it and approach it as a serious investment. 95% of publics are now “dead”, their owners have spent own funds for advertising and promotion, but they did not receive the expected profit due to a frivolous attitude to the project.

This method has the following advantages:

• creating a public is very simple;
• investments are required only at the initial stage;
• You can earn on advertising or selling public.

Flaws:

• you need to publish material regularly;
• you can get a ban from the moderators.

Investing in your development

If you want to invest money, choose to invest in your development. This is the most profitable and risk-free way. If you do not invest in your development, everything else is practically meaningless.

Advantages:

• the benefit reaches 100%;
• risks are reduced to a minimum value;
• so anyone can invest.

There are practically no disadvantages to this option. You must be prepared for the fact that self-development will require a lot of time and effort.

Where not to invest?

Almost every person at least once in his life heard about making money in an online casino. And if not, then you have probably come across ads that promise crazy profits without much effort. You only need to go through a simple registration, and then proceed according to a strict scheme. What is its essence? You need to place a bet. If you lose, it is doubled and bet again on the same color. According to the martingale law, victory will definitely await you soon. If the casino allows you to win, you need to immediately change the color. After that, the player acts according to the already familiar pattern. He bets money, loses it and doubles down. This continues until the person runs out of funds or wins.

Among the methods of making money on the Internet, there are different casinos. Some of them take 10-15% of the profits, and redistribute the rest among the players. However, there are not so many of them. Most online casinos take everything and just pretend to play. They work for a while, get paid, and then disappear. Soon such casinos will start their activities again. However, they are now operating under a new name and using a different website. How to make money under such conditions is a big question. The main difference between the casino is that everything is decided for you even before the bet, keep this in mind.

I do not recommend investing in online casinos, because there is no easy money. But if you still decide to bet, then play no more than 2-10 minutes a day. It is during this period of time that the casino allows itself to be beaten. If you exceed it, you will lose all your savings. Casinos are masters of pulling out your money and gamblers often go into the red. There are frequent cases when the thirst for easy money led people into a very unenviable position. If you are a gambler, it is better to refrain from this income. Not only luck works here, but also a clear program and a pseudo-random controlled by the casino organizers.

Lotteries are analogous to casinos. In this case, the organizers sell tickets, for example, to 10 000 rubles. Among them there is one winner. The winner receives 500,000 rubles, and the rest of the money goes to the organizers. The lucky one is photographed and shown to everyone as an example of the honesty of the company. This allows the organizers to attract even more money. But the probability of winning the lottery remains very small.

One of the most profitable ways investing money are considered HYIPs. Such structures operate on the principle of a financial pyramid. They attract investors' money by promising a high return on investment, which can reach 15-100% per month. Funds are paid out as long as there is a flow of new depositors. We can say that HYIP is the same kind of casino, because you can never predict what will happen in the end, your investments can either increase or disappear. Like any other pyramid scheme, HYIP projects are a highly profitable industry, but with very high risks. I recommend making several trial investments, and even theoretical ones are better. Find any transaction that matches your planned investment and watch it. It is most convenient to keep track of several projects, so you will learn to pay attention to trends and understand the mechanics of how HYIPs work. Be skeptical of the opinions of experts who advertise HYIPs, remember that they get paid for it.

The principle of operation of such structures is quite simple and understandable. First, the pyramid itself is created. After that, active advertising of the hype on the network begins. People think that they are investing their savings in something real (for example, in Forex, futures, stocks, and so on). However, nothing is actually invested and everything is in one place. As soon as the creators see that the expenses exceed the receipts, they close the project. All those who invested money in HYIP and did not have time to withdraw it, are left with nothing.

Such pyramids live from 1 day to several years. It is on what project you will face that your win or loss will depend. It is worth noting that most HYIPs are closed on the first day due to the lack of experience of their creators. However, there is a small category of admins who have been running their projects for years. This suggests that progress does not stand still. The creators of such schemes come up with more and more new ways to work longer and earn more.

I have experience with these financial pyramids. At first, I didn’t have anything good from HYIPs, although there was still a profit from time to time. Today I receive a stable income. However, as I said, every time HYIP admins come up with something new, and because of this, it is more and more difficult to distinguish them from normal ones. investment projects. That is why, if you have never worked with financial pyramids and do not know how everything works, you should not invest in such projects.

Remember that it is possible to invest in HYIPs, but only their creators benefit from such investments. Also, profits can be received by those who managed to enter and exit the project on time. Unfortunately, there are not many such people. If you still decide to participate in the hype, choose a project with a longer history of work on the market. In addition, it is necessary to closely monitor its activities. At the slightest doubt, you need to promptly withdraw savings with interest. However, this does not guarantee the safety of your finances.

Also, do not invest in illegal and morally unacceptable projects. We are talking about the trade in drugs, weapons, counterfeit goods, the organization of brothels, shell companies that launder money, fraudulent schemes in the field of real estate (for example, eviction of single pensioners, re-registration of housing, corruption in construction) and so on. Even if you are promised high profitability and stability, you must understand that, firstly, you will have to answer for this, and secondly, it will be unpleasant and restless for you to spend money received at the expense of the suffering of other people. To live in peace look for fair and socially acceptable ways to make money. Only in this case you will gain financial freedom and spiritual harmony.

Assistance in creating an investment portfolio

Do you want to profitably invest money in Moscow, but doubt your abilities? Then contact me. I have been investing on the Internet for more than 5 years and have consistently made a profit. Readers of my blog can order a professionally assembled portfolio for free. To do this, just write to the mail [email protected]. In the letter, indicate the available amount, the desired yield and a list of projects in which you have already invested. I will make every effort to ensure that the collected portfolio is profitable and successful.