• • 1. Put money on deposit
  • 2. Investment in real estate
  • 3. Investing in mutual funds
  • 4. P2P lending
  • 5. Investing in someone else's business
  • 6. Invest in your own business
  • 7. Investment in precious metals
  • 8. How Art Investment Works
  • 9. Investing in venture funds
  • 10. Invest in cryptocurrency
  • 11. Invest in phone apps (iOS, Android)
  • 12. Investing in groups, publics in social networks
  • 15. Purchase of a payment terminal
  • 16. Invest in yourself
• • Method number 1. Acquisition of shares
  • Method number 2. Microcredit in Webmoney
  • Method number 3. Investment in web projects (websites, portals, services, etc.)
  • Method number 4. Investing in PAMM accounts
  • Method number 5. Earnings in dachas and summer cottages (editor's choice)
• • Expert Tip #1. Deposit in a commercial bank
  • Expert Tip #2. Investing money in real estate
  • Expert Tip #3. Currency investments
  • Expert Tip #4. Investing in your own online business
  • Expert tip #5 Investing in a profitable car
• 4. Where it is better not to invest money - recommendations
• 5. Conclusion

Economists' forecasts for 2020 are becoming less and less reassuring. The catastrophic collapse of the ruble, the irrational jumps in lending rates in banks, the tense atmosphere in the stock market - all this sad news leads to serious reflections of every Russian.

Everyone thinks about the same thing: how to avoid unfortunate financial losses, what and where to invest your money in order to earn, save, or at least not lose, in order to receive monthly income and so that the wave of financial cataclysm does not completely absorb money, as well as from what purchases should be avoided today, etc.?

But first you need to recharge optimism . Just think about the fact that, unlike millions of other people, you have free capital today. It means that you did everything right before and you have a chance to get out of this situation. The main thing– choose the most justified investment instruments.

What if you want to invest money and earn money, but you don’t have money. For this, we wrote an article - in the same place we described what to do if banks and microloans refuse to give you money.

About ways to invest money in order to save and increase, read below. There you will also find expert advice on where to invest during and after the crisis.

1. Where to invest money so as not to lose - 15 ways to save capital

Each of the following ways of investing is characterized by a greater or lesser share of risks. And at the same time, under favorable conditions, each of them is able to provide liquidity and profitability to your capital.

Let's take a closer look at financial instruments and their capabilities, where you can invest money today in order to consistently receive monthly income.

1. Put money on deposit

This method is hardly more profitable than saving money at home "under the pillow." It is hardly worth considering it for a serious investor. It is reasonable to use a bank deposit only as a "transit" point on the way of capital movement into more solid financial instruments.

1.1 Bank deposit

Investing in a bank deposit is not the best way to increase capital, it can rather be attributed to a way to save your money.

Any economist will express doubts about the reliability of " airbags » bank deposit. After all, in the case of an urgent withdrawal of money, you can lose all the accrued interest. It is generally difficult for banks to part with dollar deposits.

If you want to entrust money to a financial and credit organization for a while, then the best solution would be to distribute 1,400,000 rubles to various banks. Such a volume of deposits will allow you to reliably insure your capital in the event of the ruin of any of your chosen financial institutions.

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In which banks is it better to invest money at interest?

When deciding which bank to invest in and where to open a deposit account, get to know TOP 10 leading banks in the country, pay attention to their reliability rating. It is good if the co-owner of the financial institution is the state. It is unlikely that it is interested in terminating the activities of its own banks. Among them belong, for example, such "bison" of the Russian financial market as Rosselkhozbank, Sberbank, VTB and some others.

We present the TOP 5 banks in which you can safely invest your money at interest

1. Bank "Sberbank"
2. Bank Rosselkhozbank
3. Bank VTB24
4. Bank "Gazprombank"
5. Alfa Bank

1.2 Deposit on an individual investment account

A much more profitable investment tool is federal loan bonds, there are two options, the first is a deposit at 13% excluding inflation, or at 2%, but compensated for inflation. I talk about this tool in more detail in my author's online passive income marathon. Now you can watch it for free by simply registering here.

2. Real estate investment

There is a misconception that in order to start making money in real estate, you need to have a large start-up capital. In fact, there are several options to get all the benefits of investing in real estate with no a large amount from 200 to 1 million rubles:

1. Using the principle of leverage and good debt
2. Participating in a co-investment project, when a group of investors pools up to buy some tasty asset

One of the principles of investing that Kiyosaki talks about all the time is using good debt and leverage. The bottom line is that you use only part of your money for the purchase, and take the rest from the bank at a certain percentage.

For example, you have 1 million rubles that you are ready to invest in real estate, consider two options:

You purchase for cash a small studio apartment in a new building in a provincial town. When a new building is commissioned (about 1.5 years after the excavation), it usually rises in price by about 20-30%, that is, in fact, you will receive a yield of about 1.5 - 2 times higher than the bank.

Option number 2 - you take 1 million rubles and purchase 3 apartments using leverage (mortgage). For each apartment you make a down payment of 10% and the bank pays the rest. While the new building is being built, you pay interest on the mortgage - about 10,000 - 15,000 for each apartment or 30 - 45,000 per month for a loan, then exit the transaction at the final stage - with such a scheme, the yield increases to 60 - 100 per annum.

Real case on profitable real estate:

Acquisition of real estate at the stage of closed sales

A real example of one of our investors Nikolai Mrochkovsky - he bought an apartment in a new building in the city of Gorodets in Nizhny Novgorod region at an early stage at closed sales for 975,000 rubles, after 6 months he sold it also at an intermediate stage through a developer company for 1.3 million) His profit was 325 thousand rubles for 6 months of investment or 33% in just 6 months.

But such projects do not usually appear in open access, it is better to look for them at closed meetings and in investor clubs.

Investing in real estate with maternity capital

Investing in real estate in 2019

During the collapse of the ruble square meters become much more accessible. However, this investment tool requires a professional approach.

In 2019, we recommend considering real estate investment strategies that are focused on getting a stable cash flow, and not rely on the growth of property values. There is a high probability that the price tag for sale will be low for quite some time many new buildings are at risk of becoming - unfinished

Investing in real estate will almost always save your investment, and with a competent approach to investing in real estate, it will increase your investment.

Real estate investment options with stable rental income

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If you are going in the future make a profit by renting out housing, then it is most rational to purchase several apartments now in a new building of a single building or tenement house. The cost of rent will be increased by such factors as the location of housing near the metro or railway station, the developed infrastructure of the area, the presence of large enterprises, airports, etc.

By investing in real estate for rent, you can consistently receive a monthly income. (This could be referred to as commercial real estate(renting a room, warehouse, office, etc.), and residential (cottage (house), apartment, room, etc.))

It is advisable to carry out investment activities with real estate at the peak of the crisis. To determine the moment when the recession reaches the bottom, only a true pro can. Therefore, enlist the support of such an expert. It will give you the best deal.

3. Investing in mutual funds

The essence of this contribution is as follows: you entrust your capital to the fund, where it is managed by a team of professionals. You pay for the activities of those who manage your money and you yourself are responsible for it. But for all that, it is a fairly stable source of average income.

It is important to choose a mutual fund with the most popular securities and hope that the market does not “storm” from strong fluctuations. According to statistics, after the previous crisis, solid mutual funds managed to return money to investors only after 4-5 years. The most persistent of them were able to accumulate up to 40 % arrived. (What is a mutual fund, as well as about other ways to invest money in order to make a profit)

A significant advantage of this method of investment is the ability to withdraw your capital or its share at any time.

4. P2P lending

We are talking about the so-called social loan, when ordinary citizens act as lenders and borrowers. The monthly yield of such peer-to-peer lending can reach 50 % . Your clients will be ready to enter into insured transactions with you at one and a half percent per day.

True, the system that provides a platform for such microloans takes half of each of your percentages. However, you will have your 0.70% per day stably. And after some time, having withdrawn your deposit, you can already earn on profit.

5. Investing in someone else's business

Investing in someone else's business is always a risk, especially in times of crisis. After all, it’s not just, as some people think, “invested and forgot”, but the interest itself “drips”. To be profitable, you must be 100 % confident in the people you trust with your savings.

In Russia, such "numbers" are rarely held. Any business we have requires personal participation. If you still decide to invest in someone else's company, do not part with all your money at once - limit yourself to some part.

6. Invest in your own business

Small-scale business is the surest tool for increasing investment in times of crisis. Of course, at the very beginning, one cannot avoid meeting with risks. However, having stepped over the starting line, you can breathe a sigh of relief.

It is clear that counting on something grandiose against the backdrop of fading banking and salary arrears hardly worth it. However, passion for an interesting business and overcoming difficulties on the way to success guarantee moral satisfaction. (you will find business ideas with minimal investment, what kind of business you can open at home, etc.)

If you have no time to study the market and you do not know where to start, then choose a ready-made business plan from the experts and save your time. You just have to implement it

Investing in a business is an excellent investment in order to generate monthly income. Recommendations on how to start opening a business, see the picture

Well established business is a reliable financial instrument where you can now invest money in order to receive monthly income, since it is the business that will not only generate income stably, but over time it will provide funds for investing in other financial instruments.

1. Try to find your niche in the market with a minimum number of competitors. Do not rush into the "whirlpool", inhabited by "foreign devils."
2. Follow the beaten paths: use ready-made models and business schemes - you will fill fewer cones.
3. It is best to start with the sale of services, especially if there is not enough money to purchase goods.
4. Try to avoid bank loans.
5. Do not be afraid to start: not the gods of the company open.

7. Investment in precious metals

This is a proven way to save and multiply your savings. Precious metals are considered to be used in the manufacture of jewelry. Such valuable raw materials include palladium, platinum, silver, gold . They are too tough for inflation, so they are always in favor with far-sighted people.

There are several ways to acquire precious metals:

• Buying bullion in banks ( keep in mind that you will have to pay a 13% tax if they are sold (after 3 years, the tax on the sale of property (gold) is not charged)).
• Buying coins from these metals (you can use the services of Sberbank, the main supplier of such products). Unfortunately, the value of the coins is initially very high in relation to the value of the precious metals from which it is made.
• Purchase on stock exchanges securities backed by gold.
• Creation of a metal depersonalized account. On such an account, metals act as a currency. At the same time, a person who opened a metal account does not actually have any metals on his hands. There is a huge plus in this conventionality: no need to store valuables. Income from a virtual product is possible when metal prices begin to rise.

The profitability of this method of investing money is also not very high. In fact, no one will give you gold in your hands

8. How Art Investment Works

This reliable type of investment is far from being liquid for everyone. First of all, you should be well versed in art. Then the profit from these investments can simply go off scale. One masterpiece of painting or one marble figurine can bring hundreds of percent of income.

It is clear that the cost of ingenious creations is not threatened by any financial cataclysms. However, finding their true connoisseurs is oh so difficult. Practice shows that by buying a true work of art, you can absolutely save money in troubled times. But usually only 4 masterpieces out of 10 manages to come true.

9. Investing in venture funds

Investing in startups- innovative projects or enterprises are a business, both profitable and risky. We are talking about the introduction into production of previously unused technical know-how. Statistics show that only 2 % enterprises justify such investments. But the profit from them, as a rule, overlaps the rest. 7-8 % unsuccessful investments.

A deposit can be made not only with real money, but also with promised amounts (commitments). Profit should be expected in 3-7 years, until the financially protected companies are on their feet. The most chances in this business are small enterprises created in high-tech production areas.

10. Invest in cryptocurrency

Cryptocurrency is a new electronic means of payment which entered into practice on the threshold of a new millennium. It has a high level of protection. Bitcoin became the pioneer, followed by the other 150 of its “clones”.

Today, cryptocurrencies are becoming real competitors to conventional money and significantly affect world economy. eBay and Amazon are already working with cryptocurrencies.

Of course, like any innovation, cryptocurrencies do not yet have a large scope of distribution. However, many experts believe that they are the future. Their main argument is the complete impossibility of inflation of a new type of money.

How to create a profitable cryptocurrency portfolio

What to do when the ruble becomes cheaper?

Roadmap: how to achieve financial independence in 3-5 years?

How to create a capital of $ 1 million by investing only $ 100 per month?

Attend a free workshop.

11. Investing in phone apps (iOS, Android)

The most profitable business– profiting from applications that can provide real help. It is no less profitable to invest in applications that aggregate useful information on a specific topic.

Noteworthy are also free applications, the hallmark of which is the sale of something.

12. Investing in groups, publics in social networks

Publics in social networks- one of the most common online messages of our days. Some try to make money in public, although this is a rather risky business - since there are a lot of scammers and schoolchildren in this field who have come for easy money

The main thing is to be a mega-active performer. If you are one of those, you are guaranteed success. This activity does not require special investments. It is enough just to fork out a little at the initial stage. And in the future, the number of subscribers can be increased through exchanges.

A large role in this matter is given to the content of the public, or rather, its quality. You need to be able to choose a topic that is interesting for a wide audience. The relevance of the topic will attract a lot of advertisers. The most popular and most monetized are publics that touch on the problems of money, success, gender relationships.

On the basis of such a popular public, it is quite possible to establish a profitable sales channel. The main thing is that the products sold are not very expensive and are intended for the mass user.

15. Purchase of a payment terminal

Payment terminals currently serve millions of people. The range of options for these software packages is constantly expanding. Using them involves a fairly high commission. Having bought several such devices, you will burden yourself with only one concern - to take money from them on time.

If you have no time to study the market and you do not know how to do it, then download a ready-made business plan for a payment terminal and save a few days to develop a business plan yourself.

16. Invest in yourself

Finally, let's talk about the main thing - investing in your own development. It's not just important. This is the starting point of any business success.

Spare no money on the "smart" books, useful seminars, practical trainings, valuable information products especially courses on investing and earning . They will become your guides in the ocean of money flows and investment whirlpools. They will teach you how to avoid pitfalls and avoid shallows. With their help, you can quickly filter out unnecessary, inefficient methods of earning.

The capital acquired in this way will always be with you. No one, under any circumstances, can take it away from you. He is not threatened by any force majeure, any crises. This is the lowest cost and at the same time the most profitable type of investment. After all, it is not just risk-free - it is anti-risk. Any investor can only dream of such a combination.

Without self-development, building an investment business is doomed to failure. Investing in yourself is a powerful idea generator and a unique catalyst for success.

Before you decide where to invest money at a high interest rate with a guarantee, you need to understand what an investment is - this is a difficult task, since a guarantee implies low risks when investing. The activity itself (investing) is a risky business, therefore, in any case, where high yield (high percentages) present and high risks.

2. Where can you invest money to earn money - 4 ways to invest money profitably

A fatal mistake is an unforgivable luxury for an investor. Especially in times of crisis. Therefore, experienced financiers know that a reasonable investment has nothing to do with what is popularly called "flogging a fever."

And one more investor taboo: he never reacts to the revelations of some unknown "trader-investor" Vasya Pupkin accidentally found on the Internet.

Basic rules for break-even investing

1. Until you have experience, use only free funds for deposits. It does not include money borrowed from someone, bank loans. Investing always comes with risks. Don't deprive yourself of the last penny.
2. Don't invest with your last money
3. Take care of passive income by regularly saving part of your salary.
4. Keep in mind "easy" money (won or inherited) tends to go away just as easily: they are not a pity, they are not earned. With them, you will need to be especially restrained.
5. Stick to your investment plan.
6. Carefully study each niche of your investments, relying on the advice of competent people who have achieved real results and sincerely wish you success.
7. Start learning investing right now, just like you did when you studied art or physics in school, most people remain poor only because knowledge determines success in any business - especially in investing.

Consider the main ways where to invest money at a high interest rate with a guarantee.

Investment - is a risky investment of capital with the aim of generating income. Therefore, no one will ever give a guarantee that you will receive a return on investment. Each type of investment has its own risks, some risks are greater, others less.

Method number 1. Acquisition of shares

Buying securities can be a source of stable income. After all, becoming a shareholder of a reputable company, you can count on regular dividends. But this investment tool needs to be mastered thoroughly. You can’t just rely on luck, although there have certainly been cases in the history of the stock market when the price of shares “flyed up” dozens of times in a few years.

However, more often there are unadvertised stories with the loss of all investments. Not to go broke makes sense

Method number 2. Microcredit in Webmoney

This payment service provides an excellent opportunity to earn on microloans. You can determine the amount of the borrowed amount and interest on your own. But it will not be easy to return a loan from an Internet fraudster.

So the risks of such online investment are quite high. Experts recommend getting a large clientele and giving out small amounts.

Method number 3. Investment in web projects (websites, portals, services, etc.)

The advantages of online investment include the following:

• the admissibility of their small volume;
• return speed;
• high level of profitability;
• the ability to scale the business without the threat of serious risks.

Now let's look at the features various kinds website investment:

1. Investing money for CPA affiliates

The essence of this method is that you receive your reward for a certain action on the site, namely: game registration, product purchase, application for a tour, credit card processing. Such affiliate programs are necessary for the promotion of any selling resource. At the same time, each affiliate solves its own specific problem.

For example, you are tasked with creating a landing page for bank cards. You describe several offers, after which you give affiliate links. If the application of the user of your page is approved by the bank, you are entitled to a reward, say, 1,500 rubles (payment for each application is determined by the conditions of work in a particular bank).

There is only one difficulty here - to catch up with traffic. However, if your efforts have had an effect, such affiliate programs can be very profitable.

2. Invest in MFA sites

This time we are talking about resources aimed at generating income from contextual advertising. You can hardly wait for an extra-large profit from this type of earnings. However, it has one very big advantage - the ability to install an ad unit on the site almost immediately. (For example, Adsense blocks or YAN blocks (Yandex advertising network))

And this means that the site will start making money almost from the first day of its existence. The level of profitability is largely determined by the theme of the site.

For example, a popular medical portal can bring from 15,000 rubles of monthly income (with an average attendance of 1,500 users per day).

It all depends on the ability to monetize traffic on the site. The most profitable sites for payments in contextual advertising are sites for financial, construction, etc. theme.

For example, the average financial "trust" site can generate income every month in the amount of 10 - 30 thousand rubles selling links.

True, at the current stage of development of search engine robots, the income from this type of investment has dipped significantly for many. Some even stopped betting on it after analyzing the unprofitable dynamics of income.

The main disadvantage of such monetization - after it, the site can be confidently written off as scrap, since search engines can impose sanctions on web resources and then the project's traffic will drop, and, accordingly, the income from selling links too. If the site makes money with such an "unclean" method, you will not see a large amount of traffic for "clean" ways of income (contextual, banner advertising, etc.).

How to make money on websites

Earnings on sites. How to create a cash flow from 36% to 100% per annum in 30 days in the form of passive income in foreign currency. Intensive daily

Method number 4. Investing in PAMM accounts

This type of investment in Forex is becoming more and more attractive today. The amount of the deposit can be limited to just 500 rubles, which contributes to the growing popularity of PAMM. The mechanism of this method of investing is to transfer cash savings to the management of a professional trader. This virtually eliminates non-trading risks. (We recommend reading in - How to trade on the Forex market, where to start playing on the Forex exchange)

A guarantee of the security of the interests of the depositor is the presence on the PAMM account of the capital of the manager himself. The latter is only allowed to make transactions on the account without withdrawing the principal's money from it. The depositor can always follow the progress of transactions online or view the history of their completion.

Big plus PAMM investment is an opportunity for the contributor take full control of your funds , entering and withdrawing them at your own discretion. An investor can also diversify his money by placing different traders on PAMM accounts. You can also make trading operations yourself by copying the transactions of experienced traders.

Method number 5. Earnings in dachas and summer cottages (editor's choice)

Dachas are one of the most undervalued markets today and here's why:

1. Now it has again become fashionable and profitable to relax in Russia
2. You can now register at the dachas
3. You can live in dachas all year round and connect all the necessary communications
4. Transport accessibility in big cities has increased significantly
5. The dacha market has not yet won back the new conditions and there is practically no competition on it, while there are more and more people who want to buy a house for the weekend or for a vacation every day.

Watch a lesson from our expert - Valery Slavny, who specializes in this particular type of real estate:

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3. Where to invest money to receive monthly income - 5 expert tips on where to invest money

The 2020s in Russia promise to be testing years for all citizens, including investors. So that it does not become ruinous for you, experts unanimously urge not to keep savings at home. In a year, they can depreciate by 10-15 % , or even higher.

You should also follow the forecasts of specialists and the advice of experts in various sectors of the economy and, of course, rely on your sixth sense.

Where is the best place to invest now? What investment recommendations do experts give in 2019? In what areas of investment now, in their opinion, are there minimal risks for investing funds? Where to invest to get monthly income?

Expert Tip #1. Deposit in a commercial bank

This financial instrument, popular with our compatriots, is recommended to be used, first of all, for those who seek not to increase their capital, but only to protect it from depreciation.

It is expected that in the 2020s, the inflation rate in the country will reach 13% - 15% (The Ministry of Economic Development predicts inflation at the level of 5-7%, but it all depends on the state of the economy and we can safely assume that inflation will reach the aforementioned 13-15 percent) . Meanwhile, the interest on deposits in national currency averages 10-13%. Thus, interest payments in banks should cover the depreciation of money.

However, when depositing your savings with banks, you need to take into account two important points:

1 . When choosing a deposit program, give preference to the most reputable and stable financial and credit organizations. Today, the first positions in the reliability rating are occupied by such large financial institutions as Sberbank, Gazprombank, VTB, FC Otkritie and Rosselkhozbank.

2 . Before opening a deposit in a financial institution, you need to clarify whether it is a participant state deposit insurance programs. Upon receipt of an affirmative answer, you can open an account without fear, depositing up to 1,400,000 rubles : such a deposit is considered to be insured, and, in case the bank loses the license, it will be guaranteed to be returned.

Expert Tip #2. Investing money in real estate

Experts rightly believe that investments in residential buildings in 2019 are long-term investments. Now many industries have already begun to win back sharp jumps in the course and prices have risen, real estate is still holding on, and many developers and private traders give good discounts.

But if you know how to wait, then such a use of your money will be optimal. In a couple of years, prices will rise again, and you will become the owner of a decent profit.

Regarding the choice of investment objects, experts give the following instructions:

• Don't invest now (buy) commercial real estate.
• It is advisable to purchase housing in small, but promising cities: it is they who will become the "first swallows" in terms of rapid development in the post-crisis period.
• The ideal option is to equip one- and two-room apartments: they are easy to rent out even in times of crisis; moreover, they are considered the most liquid type of real estate.
• To successfully sell a house after a crisis is over, it is often necessary to carry out repairs, worry about finishing work, which will give the room an imposing and respectable look.
• Solid investors can consider offers on foreign markets real estate. Today there is an increase in prices in the markets PRC, Thailand, Morocco, Brazil, Malaysia. And the cost of housing in these countries is not much higher than in the Russian market.
• If you do not feel confident enough in this area, hire a pro and pay him well. The financial assistant will warn you against many risks and will provide you with valuable information about promising construction projects located in residential areas convenient for living. You won't go wrong with this advisor.

Expert Tip #3. Currency investments

This type of investment is considered a worldwide recognized way of income in a crisis economy. Experienced investors can get a good income in a few weeks by transferring money from one currency to another. (We recommend reading -)

However, currency investors should take note of the following information:

1. Those who are willing to take risks can make traditional deposits in dollars and euros: the value of these currencies will change depending on price fluctuations in the oil market and the balance of the world political arena. The main thing is when concluding contracts, keep track of forecasts.
2. A more conservative group of contributors it is necessary to give preference to more stable currencies - the Swiss franc, the Chinese yuan or the pound sterling.
3. Looking to buy now euro and dollars with a view to selling them next year, when the increase in market value is expected.

Expert Tip #4. Investing in your own online business

The most profitable business in the context of the current economic problems – conquest of virtual space . The production of goods, as well as the provision of services, are extremely risky ventures in today's real market. Therefore, experts advise to invest (invest) money in Internet projects.

Your own Internet project can be created in various ways:

• in the form of an online store selling consumer goods;
• in the form of a personal blog or forum providing users with paid services or consultations;
• in the form of an information portal that allows you to place ads and advertising banners of third-party organizations and persons for a fee.

It is best to order a website and its promotion to IT specialists, and then constantly fill it with high-quality content and relevant offers. Unrestricted network activity by territorial and time frames is the best prerequisite for its profitability.

Other options for smart investments in 2020, according to experts, are:

• investments in PAMM accounts;
• own foreign exchange reserves
• investments in blue chip stocks and bonds;
• but we emphasize that real estate remains the most stable and interesting

These are typical pyramids like the infamous MMM. Crazy profits - up to 3% of profits - only their creators shine here. The lifespan of such a pyramid is from a year to a couple of months.

Another big adventure is online casino. No one has yet managed to win big money in it, but it is quite possible to drain all the capital. The fraudulent scheme of an online game is built on the inability of a gambler to stop in time.

If you do not own yourself, it is better not to have any business with either real or virtual rogues. Don't be tempted by "free cheese": chasing him always ends with the click of the mousetrap door.

All or Nothing - Binary Options

This is sometimes called binary options. This investment tool either gives a fixed amount of profit, or gives nothing. It all depends on the fulfillment by its participant of a certain condition at a certain time. Here you can acquire a huge capital, and you can lose it.

If you do not understand the marketing topic, then fortune is unlikely to smile at you here. Like a fish in water on a binary option, only the “aces” of the currency sphere, who are able to predetermine the potential risks of the transaction, feel. What are binary options and how to make money on them read in.

Binary options are a high-risk financial instrument, but where there is high risk, there is high profit.

If you still want to try yourself in binary options trading, we recommend choosing a reliable broker that has been providing its services for many years. For example, this could include a company IQoption.

5. Conclusion

So, you have learned about the most popular ways of investing during the crisis and got acquainted with the opinions of reputable experts on this matter. Now it's up to you. After all, it is up to you and only you to decide where to invest money (your acquired capital). You also bear the burden of responsibility for the decision you make.

1. Read the article by Andrey Merkulov -
2. Read the article - How to earn money for an apartment in Moscow in 2 months
3. Pass the free 4-day online marathon class "How to create your passive income without personal capital?" which tells where to invest money in order to receive a monthly income. Tools + Technology + Assault structures.
4. Read free book Five Steps to Financial Freedom. Dedicated to those who are ready to MAJORLY improve their financial situation and embark on the path to financial freedom. It tells about 5 key stages, that will tear down the wall between you and financial well-being.
5. Read free book by Natalia Zakheim "Investor approach to business" and also visit it page "School Personality and Capital" where you will find many free trainings and seminars.
6. Explore the topic by creation of passive income in the form of a profitable house. You will learn how to buy a house with no initial capital and start earning passive income in just 4 months
7. Take advantage of our other free courses and books about making money online

• Buffett's Investing Rules
• Bank deposit
• mutual funds
• Real estate investment
• Cryptocurrency
• precious metals
• Securities
• Buying cash
• Other types of investment
• How to invest money correctly: basic principles

An adult who has a stable source of income sooner or later thinks about how to increase his savings. Passive income has a number of advantages even over a high salary - having a stable cash flow, you can live for your own pleasure and be calm about your future in any situation.

For many people, the only known way to save and increase money is a bank deposit. But besides a bank deposit, there are other areas of investment: gold, real estate, financial markets, and so on. Let's see where millionaires invest, as well as analyze the main ways of investing available to every person.

Buffett's Investing Rules

Warren Buffett is currently the richest investor in the world. His fortune exceeds $77 billion as of August 2017.

1. Always have a financial plan. It is better to write it down, but you can keep it in your head. Once you have a financial plan, be sure to stick to it.
2. Markets are constantly changing. Be flexible enough. When the market situation changes, make changes to your financial plan.
3. Invest in industries that you know about.
4. Analyze the financial performance of the company whose shares you intend to buy.
5. Make inquiries about the management of the company whose shares you intend to acquire.
6. Study the product the company is making.
7. If you find that the company's product is promising, ignore the possible decline in the company's stock price and buy shares boldly.
8. If you have not found a suitable investment object, do not rush to part with the money. Wait, do a new analysis after a while. Do not invest simply because "you need to invest money somewhere urgently."
9. The sooner you start investing, the more money you can earn. Start with small amounts, but invest regularly. Over time, this money will turn into a big fortune.
10. If you have made a mistake in your analysis and invested in a loss-making enterprise or a loss-making product, sell such shares without regret.
11. Diversify your investments. Invest in various industries, in shares of companies from other countries.
12. Improve your financial literacy. Watch financial news, study financial periodicals, follow the markets.
13. Be patient, do not expect to make a fortune for yourself in 3-5 years. It happens sometimes, but most rich people have made their fortune in 10-20-50 years of investing.
14. Do not use loans for investments. You can only invest "free money".
15. Make it a rule to set aside some of the money you receive for investing. Invest first, then spend money on entertainment.
16. You can always find money to invest if you reconsider your spending a little and spend a little less every day.
17. Spend your money wisely. It's nice and convenient to have a private plane, but maintaining ten houses in different parts of the country is a burden.

Warren Buffett does not speculate or gamble, and the average investment period is about 10 years. In the business environment, he is considered a somewhat conservative and prudent investor, while remaining in second place in the list. the richest people America.

Real Estate Investment Kiyosaki

Robert Kiyosaki became familiar to Russian-speaking audiences in the early 2000s. His books became a desktop for many people and allowed many of them to become rich. Like current US President Donald Trump, Robert Kiyosaki made his fortune in real estate. Let's see if we can learn something from him, what investment rules he recommends.

Robert Kiyosaki believes that the real estate business is accessible to almost everyone, despite the high cost of real estate. As a rule, banks and other financial institutions easily give mortgage secured by the purchased property. Thus, you need to have approximately only 10-15% of the required amount (and sometimes less) to start.

Kiyosaki recommends starting with small deals and then building up investments. This is clear. Small amounts - small errors. Real estate provides an almost constant passive income if it is properly managed. Most of the time real estate only increases in value, which gives additional income over time. Some countries have tax incentives for real estate businesses. At the same time, a real estate business requires a lot of time and effort in the beginning. Meetings, object evaluations, negotiations, demonstrations, all this is difficult at first, but then comes with experience. Real estate cannot always be sold quickly. In difficult market periods, there may be problems with tenants or when selling a property that is falling in price.

This is the main real estate advice from Robert Kiyosaki - start small and gradually gain experience.

Where to invest money so as not to lose, but to increase

Now let's talk about where you can invest money in the conditions of Russian reality, and consider some investment tools in more detail.

Bank deposit

This is the simplest, most understandable and widespread way of investing since the times of the USSR. If we consider a bank deposit as a way of investing, and not as a current account for daily transactions, then you need to look at the term of the deposit and the proposed rate on it. If you do not need money within six months, then it is from this period that you need to consider the proposed deposits. If the proposed deposit rate is less than the inflation rate in the country, such an offer must be rejected. Thus, you need to choose a fairly attractive deposit rate and an acceptable investment period for you. A bank deposit is somewhat protected from loss, since the state compensates you for the loss of money in the event of a bank failure. You should not make a deposit in one bank for an amount exceeding this state guarantee (in Russia it is now 1,400,000 rubles).

It is not worth considering deposits as a way to increase your funds. In the best case, the interest on the deposit will cover inflation and you will be able to keep your earnings.

mutual funds

A Mutual Fund is a collective investment of many people in an exchange-traded product. As a rule, a mutual fund provides a higher yield than a bank deposit and differs slightly for the depositor in terms of the complexity of paperwork. You just need to come to financial company, choose the proposed mutual fund, fill out the contract and deposit money.

Mutual funds are managed by professional financiers who understand stock trading and buy / sell some exchange products for investors, usually shares of enterprises. The investor does not have a headache how the shares of enterprises behave in the market, when they need to be bought, when they should be sold - this is what the portfolio manager is concerned about. The method is more advanced than a regular bank deposit, but you should not count on serious enrichment. Firstly, in the case of mutual funds, we are not talking about highly profitable and high-risk investments, and secondly, part of the profit will have to be given to the manager.

Real estate investment

Investing in real estate is a centuries-old, time-tested way of investing. Despite price fluctuations, real estate always increases in price in the long run - if it is a solid object, and not a barrack built in the 20s of the last century. The huge supply of new housing in Russia in recent years and the decline in mortgage interest rates have made this type of saving and increasing free funds quite popular. There are many options for profitable investment in real estate. Each of them has its own characteristics.

• investing in real estate "at the stage of excavation". When a house is just starting to be built, prices per square meter are several times lower than when buying a finished home. But in this case, there is a risk of contacting an unscrupulous developer and losing money. And in 2018, amendments to the law come into force, according to which it will become impossible to invest in the pit.
• buying an apartment (preferably in a new building) and “cutting” it into small rooms or studios. The principle of dividing a large object into small ones is one of the key principles of Robert Kiyosaki, and it works great in conditions Russian market real estate.
• profitable house. This popular strategy has also proven to be effective in the market. The same principle of cutting a large object into small studios (with an area of ​​15-25m2) is applied, but on the scale of the whole house.
• daily rent of apartments. As a rule, you can earn much more on this than on a long-term lease.
• investment in commercial real estate.

There are other strategies associated with real estate - investing in hostels, capsule hotels, hostels for shift workers, etc. As a rule, investments in real estate require some capital, but it is not at all necessary to have millions of savings - all these strategies can be implemented for credit money and at a profit for yourself. In some cases, you can even start with zero investment.

Cryptocurrency

Unlike real estate, cryptocurrency is a completely new direction for investment, because the world's first cryptocurrency (Bitcoin) is not yet 10 years old! However, investing in cryptocurrencies can provide very high returns. Bitcoin has grown millions of times since 2009 (and more than seven times since the beginning of 2017). Such a frenzied growth of the course convincingly proved that investments in crypto-currencies give more profit than traditional ways of investing. Many experts believe that over time, the price of bitcoin can reach, according to various estimates, from 25 to 400,000 dollars per coin, so the earning opportunities in this area remain even now, when it costs about 7,500 dollars.

And besides bitcoin, there is ethereum, ripple and hundreds of other coins that are ready to compete with the “number one cryptocurrency”. And while bitcoin remains the most expensive digital coin right now (and by a wide margin), over time, other tokens may challenge its leadership.

Investors who invest in cryptocurrency are advised to buy not only bitcoins, but also other coins, forming a cryptocurrency portfolio. If you do not buy everything in a row, but carefully analyze and evaluate the prospects of each coin, in 3-5 years such a portfolio can bring an investor a fortune.

precious metals

Gold and silver have been almost the only way to invest and save for many centuries. There are many ways to invest in precious metals. This is the purchase of bank bullion, and the purchase of precious coins, and bank deposits linked to the prices of precious metals. It should be noted that prices for precious metals have been falling since the 2008 crisis, so now investments in precious metals can only be considered in the long term, based on their subsequent growth.

Securities

Some people prefer to invest on their own securities and other exchange instruments. Since the beginning of the 2000s, this opportunity has been provided to individuals, and you can invest not only in shares Russian enterprises, but also in shares foreign companies traded on the NYSE, Nasdaq and other foreign exchanges. This way of preserving and multiplying free money is very difficult, since stock quotes are subject to constant changes. To choose the right object for investment, preparation is required.

It is for this reason that many people invest in mutual funds (see above) rather than buying shares on their own. However, with some skill and experience, investing in stocks on your own in the long run is quite profitable and significantly profitable, as evidenced by the experience of Warren Buffett, who is the richest investor in the world.

Buying cash

This way of preserving and increasing savings was popular among the population in the 90s of the last century and, it must be admitted, in those conditions it justified itself. However, even now many experts recommend keeping part of the savings in foreign currency, since the ruble exchange rate is still experiencing fluctuations, not as significant as before, but still. It is better to keep part of your savings in dollars, part in euros, since these currencies fluctuate in the global financial market.

Other types of investment

There are several other areas of investment, such as: art, old wine, Internet projects, investments in start-ups and existing businesses, binary options, issuance of microloans to individuals, the purchase of rare brands, and so on. Each of them requires serious knowledge in its field, is associated with high risks and does not guarantee an increase in the investor's funds. These types of investments are quite specific and are recommended only for those who are well versed in the topic.

How to invest money correctly: basic principles

There are several rules about investing that have been developed by many generations of people who have invested in the past. We list the basic principles of how to invest funds correctly.

Rule 1 Use only free money.

Never use for investment the money that you need to support your family and maintain your usual lifestyle. Free money is what remains after paying all utility bills, all debts, expenses for food, clothes and other products. In conditions of inflation, prices tend to rise and the amount that was free at the beginning of the year may not remain so at the end of the year. There may be unforeseen expenses associated with medicine or urgent care for someone from relatives or family members.

Rule 2 Have an investment plan.

Your investments should not be spontaneous (a friend called, promised "mountains of gold"). Investments need to be analyzed from various points of view and choose the most optimal for you. If you are not risk averse, stock speculation will not suit you. If you only have $500 available, real estate investment is not for you. If the word "blockchain" scares you, cryptocurrencies are not for you. Some ways of investing may seem “too good to be true” to you, some will require effort that you are not ready to put in. In general, your investment plan should be unique, tailored to your tastes, skills and preferences.

Rule 3 Diversification.

In other words, the distribution of investments in various directions. It is not very reasonable to break the investment amount into five parts and put them in five different banks. A sudden banking crisis could cover all five banks. It is also not reasonable to buy five bank bars of gold of different weights. Gold may fall in price and all bullion will fall in price.

It is reasonable to put one part of the investment money on a deposit, buy a gold (silver) bar in a bank for the second part, and give the third amount to trust management, and on the fourth - to buy bitcoin. That is, to distribute the invested amount in various areas of investment. One market may fall, but another may "take off". This happens all the time, but if you are not a specialist in the global economy, it will be difficult for you to keep track of all the trends that occur in global finance.

Rule 4 Don't waste what you earn.

You invest free money not to spend it in a month. If the investment is profitable and ahead of inflation, it is reasonable to reinvest (re-invest) the earned profit. Then the invested amount will grow exponentially, like a snowball. Of course, there is a risk that in 30 or 40 years the direction of investment in which you have invested may become less profitable or even “collapse” (stock speculation, for example), if you are so afraid of such a scenario, you can withdraw half of the profits earned, but Reinvest the other half anyway. Otherwise, everything loses its meaning.

Golden rules of investing

We have considered the main principles of investing, but this list can be expanded and supplemented with the rules that every investor must adhere to:

1. An investor should always clearly know how much money he has and what it is invested in, as well as clearly understand where he is investing money.
2. Personal income must exceed the investor's personal expenses.
3. First you need to allocate money for investment, and then - for entertainment.
4. Invest only the money you are willing to lose. Investment is a risk. Never and nowhere is there a 100% guarantee of return on investment.
5. Don't make hasty decisions. Investments must be well thought out.
6. Get your money out of risky or erroneous investments in a timely manner.
7. Gradually build up your investments. Over time, this will lead to a significant increase in wealth.
8. Try to reduce unnecessary spending.

How to start investing: a step by step plan

So you've come to the conclusion that it's time to send the money to work for you. Let's see where to start your journey to the heights of the investment Olympus.

1. Tune in psychologically that you are starting to invest money so that in the future there will be much more of them. Not tomorrow, not in a month, but right now.
2. Do a written analysis of your costs. Surely you will learn a lot of new things, for example, that you can drink coffee with friends at home, and not in a trendy cafe. It is often better to walk to work than to take the bus or subway. Maybe you can wait to buy a new pair of shoes or sneakers.
3. Set aside a certain amount for unexpected expenses so that this money does not have to be “taken out” of investments later.
4. Based on your income and expenses, determine the amount you are willing to invest every month.
5. Decide on the purpose and timing of the investment. Clearly write down on paper how much income you want to receive and for what period of time.
6. Determine where and how much you are willing to invest. Start with small amounts.
7. Identify sources you understand additional income. Forget about withdrawing profits and get ready to reinvest what you earn.
8. Do not limit yourself to recommendations that sound from TV, the Internet and other media. Carefully analyze all the information received.
9. Be prepared to stick to your earlier decision to invest and grow rich.
10. Make your first investment.

And don't forget that the most profitable investments are almost always high-risk ones. Analyze all options for investing funds, determine an acceptable level of income for yourself, measure it with the level of risk - and let the money work for you. If you do not forget about common sense and act impulsively, you have every chance, if not to overtake Buffett with Kiyosaki, then at least secure a comfortable future for yourself.

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂

There are a lot of investment options! Not all of them are effective, and what to hide, there are often simply fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest our money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples and useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

• What are the investment options, what is their yield and which one to choose?
• Where can you profitably invest money on the Internet?
• How to invest money in order not to burn out?
• And also about where it is better not to invest your money!

Get comfortable and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and losses!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

Usually the risk is proportional to the return, i.e. The higher the return, the higher the risk and vice versa. But this rule does not always work.

But in any case, who does not take risks, he does not earn. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

And also consider all the pros and cons of each investment option.

Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals…) — 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (currency market, cryptocurrencies…) — 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with a very high yield, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to receive the maximum income, but at the same time they completely forget about the risk. And as a result, because of greed, they are left with nothing.

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules!👇

2. Where is it better to invest money in 2020 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest money so that they generate income!

I will immediately share with you, using my personal example, one fairly profitable investment that allows you to receive much more than usual bank interest. 😉

Pamm-account "Arslanov Fund" and its profitability

Another PAMM account that I invested in is ““, the largest account in Alpari, it manages more than 155 million rubles!

Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, nevertheless, for 5 years it brings investors "clean" every year near 60-80% . Agree very well! 😀

Another plus of PAMM accounts is that the minimum investment amount is practically unlimited here, you can start with at least 3,000 rubles.

For the time being, I am only looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article.

However, although in this way you can earn quite significant amounts, nevertheless, you should not forget about the risks. Still, invest in PAMM accounts no more than 25-30% of the total amount of your investments (at the same time, also distribute the risks among the accounts, do not invest everything in just one account, choose at least 2 accounts).

More details about this type of investment will be described later in the article, so be sure to read to the end.

And now we will consider separately each of the options where you can invest money.

Option #1: Bank deposits/savings accounts

Deposit rates have been falling steadily in recent years and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

So for 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts”(IIS), which, for example, can simply be opened in the same (using this link, you can invest 1 month without a commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.😀

☝️ In addition, if you invest money for at least 3 years, you can get a personal income tax deduction (13%), i.e. in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But of course, there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis ! The rest of the time, stocks generally grow steadily and show good profitability.

In addition, you need to understand that the price of shares depends very much on the actions of speculators, rather than on the real one. financial position companies on the market.

Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (US 100 high-tech companies).

If you do not want to personally invest, then there is an option to entrust the money to professional managers. I already mentioned how I invested in Alpari managers at the beginning of the article! I will tell you more about this direction a little later in this article!

You can easily invest in stocks through.

CONCLUSION: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

Option #4: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.

Moriarti PAMM account, its profitability for 5 years was 135464% (click to enlarge)

💡 More than $2.5 million , its profitability for 5 years amounted to over 135 thousand percent.

However, it should be taken into account that despite the fact that accounts/portfolios have shown good returns in the past, there is always a possibility that they will turn out to be unprofitable in the future.

Therefore, I repeat, do not invest all your money in one trader! Distribute funds at least among 2-3 reliable managers that trade profitably for a long time. If the accounts are relatively new (less than 6 months old), then completely divide the initial investment among 5-10 traders.

Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!

For more information about what Pamm accounts are and how they work, you can watch a free training webinar from professionals in their field:

You can go to the Alpari website and get acquainted with Pamm accounts.

With a larger initial capital, you can work with large stock brokers (for example, Finam and BCS), which also provide various trust management strategies.

✅For example, on Finam in trust management, you can give from 300 thousand rubles. Their website features dozens of diverse strategies: conservative, moderate, and aggressive.

Of course, both brokers and managers also cannot guarantee 100% that you will receive income.

Here I want to tell you a few words about the so-called "structural products", because they are also directly related to trust management. Income here, as a rule, is not the same as Pamm accounts can give, but nevertheless, structured products can bring significantly more than bank interest and bonds.

They are also intended for beginners who want to increase their money. Structured products can bring returns up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which, as experts expect, will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars(some brokers minimum threshold above) and for a period from 3 months.

I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.

✅BCS offers investments in Gazprom shares with a guaranteed return 10% per annum(even if their price falls) and 100% capital protection. In the event that the share price rises, then you can even get 14% per annum .

So there are only 2 options: you will get either 10% or 14%. Consider that there are no risks, except for the actual bankruptcy of the company. But it is extremely unlikely that the number 1 company in the entire brokerage market in Russia will go bankrupt, it is similar to the fact that Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.

Investments are calculated for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Particularly suitable for beginners.

Option #5: Bonds

DESCRIPTION: Where do you think the money is invested big banks? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the simplest instruments for investing. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

☝️ By the way, Sberbank and other banks sell national government bonds.If you invest for 3 years, then you can get an average return on them of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most currently available bank deposits. Moreover, in the future, interest rates on deposits may decrease.

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, large funds can also be invested in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens and hundreds of percent . But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought without the need to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.

Option #6: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency.

This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased $10,000 at the exchange rate of 57 rubles/dollar — as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, amounted to 30 000 rubles(of which the broker's commission is approximately 600-800 rubles).

On Forex, you can trade both yourself and give money to professional traders (this will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience and h knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise, trading is likely to turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to the strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can earn a high income. For those who are not ready to study seriously, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

Another option is to buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

At the same time, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and aspiration!😀

I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires about 70-80% - These are entrepreneurs who started a business from scratch!

✅Please Note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even if it is small at first. The main thing in this business is not to be afraid take the first step!

Think about it, maybe you always wanted to open your own auto shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a business in the service sector.

I will also give you a few options from my experience, how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is easy to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this! 🙂

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While both in the case of wholesale and retail sales, goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

CONCLUSION: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

Mutual funds are professionally engaged investment activity, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a share investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, such as Sberbank.

If this type of investment is right for you, then it makes sense to choose not one mutual fund, but several in order to distribute possible risks.

And make it a rule before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Option #9: Microfinance Institutions (MFIs)

DESCRIPTION: Another type of investment is investing in MFIs. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you still decide to invest in an MFI, then be sure to choose a trusted company that has been operating on the market for more than one year.

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals(for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!😉

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Option #10: Precious Metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

Gold coins/gold bars can be purchased both at almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).

Despite the high reliability, investing in gold is more suitable for saving existing funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has grown from 1,600 rubles per gram to 2,400 rubles per gram.

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has significantly fallen in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago when bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that bitcoin is about to crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that bitcoin and other cryptocurrencies will probably grow in price.

Especially while cryptocurrencies show a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to earn money in this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

FROM 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

Meanwhile, the owners of such publics also earn mainly from the publication of advertising posts. In public with millions of subscribers, the cost of one advertising post can be worth 2-7 thousand rubles .

Publics with relatively small investments pay off very quickly. Although now the competition in the public is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then you won’t have to wait long for success!

3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.

For example, if a person who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

If you can effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go exactly to advertising.

But in this case, the main role is played by experience, without it, nowhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers…

For example, projects that are engaged in the exchange of electronic money are very popular (in fact, they are called exchangers).

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is through exchangers. By the way, you can also buy bitcoins with the help of exchangers.

Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a fairly decent income is obtained.

5. Apps for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where big money is spinning.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent affiliate commissions from airlines.

Even if you don’t know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays the key role - the success or failure of the application depends on it.

6. Hype. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can only function for a few days or weeks, after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a scam (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can give high returns with a minimum investment.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment tool.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture capital investments.

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investment is underdeveloped in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Option number 14: Art objects

DESCRIPTION: Another unusual way to invest your money is to invest it in art. This is a rather narrow and specialized market, however, it can bring good returns.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only cost more over time.

And the crisis practically does not affect the value of art objects.

CONCLUSION: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.

Option #15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, but always the most profitable investment- it is always an investment in oneself (in the development of specific skills, abilities, gaining knowledge, experience ...).

It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.

I think more than once you have heard stories that most people who have won millions in the lottery, after a few months or years, again returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences about investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the USA: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - in a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍

3. Golden rules for proper investment - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money properly!

First What I talked about at the beginning of the article is not to store all your eggs in one basket. This rule applies especially to you if you have a lot of money to invest.

Instead of investing everything in one instrument, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second- try to invest most of the funds (40-60%) in assets with the least risk, the best choice between profitability and risk, as for me, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is an already tried path, in which a huge number of people have lost fortunes!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- Before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.

It will also be great if you learn how to give 10% of your profits to charity.

✔️ As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. Consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. AT last resort you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

Also a relatively small amount by the standards of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payouts, very profitable terms etc. - all if only people would invest their money.

💡Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier) are essentially also built on the basis of financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

Another controversial investment tool is sports betting. It is realistic to make money on them in the long term, but only bet organizers and 5-10% of participants (those who are in the know) do this, and the rest only constantly lose money.

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin 😀).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀

Once again, I emphasize that in my experience, the most profitable investments are investments own business / business and knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!

You go to work every morning, day after day, year after year. And your whole life is more like groundhog day. Every day is like the previous one. All your income received at work you safely spend on life. The result is a vicious circle. And what's next? you think. You need to change something in this life. One way to break the current situation is by investing.

After all, what is investment?

Investment is the investment of money today, with the aim of getting it tomorrow, but in a larger amount. Or getting a permanent passive income from once invested funds.

Of course, you won’t be able to find a large amount right away. Most investors start with very modest amounts, which they manage to put aside from their salary. The main thing here is constancy and time. Together with these parameters, any, even insignificant, capital can grow into a fairly decent amount, allowing its owner to receive a very good income that will exceed your current income. Please note that this will be a completely passive income, generated with little or no participation from you.

Beginning investors face many questions, the main of which is where to invest. Especially when it comes to a very small amount of money. It is the restriction on the amount of invested funds that makes its own adjustments to possible investments. But nevertheless, even with little money, there are many ways to earn and increase your hard-earned money.

6 ways to invest money for a beginner

Investing in bank deposits

Bank deposits or deposits are the simplest and most reliable type of investment. When you open a bank account, you will know in advance. how much income you will receive at the end of the term. And most importantly, GUARANTEED INCOME. Deposits are practically the only financial instrument, the yield on which is known in advance. Other investments do not carry such a guarantee. In them you can both earn and lose. Also, do not forget that the safety of deposits is guaranteed by the state (in the amount of 1.4 million rubles). If the amount exceeds this threshold, then it is better to open several deposits in different banks.

Bank deposits are used mainly as a means of initial accumulation of capital. When a certain level of funds in the account is reached, other investment opportunities become available to the investor. Why? The answer is quite simple - very low profitability. Typically, deposit rates are within the inflation rate. Therefore, getting rich on investments in deposits is unlikely to succeed.

Currency deposits

In a difficult economic situation in the country, currency deposits again began to gain popularity. The ruble is rapidly losing its positions in comparison with other financial payment systems. And in order to at least somehow preserve their savings, deposits in foreign currency are used. And although the yield on such deposits is quite modest, in the region of 2-5% per annum, real earnings can exceed the current yield by several times. Due to the weakening of the ruble and, accordingly, the strengthening of the currency.

It was foreign currency deposits that were the most profitable over the past 5 years, among the main types of investments. Those who opened similar deposits a few years ago have already earned more than 230% of profit. For comparison, simple ruble deposits over the same period showed a yield of 83%.

Investments in mutual funds

• the possibility of investing small amounts
• tax exemption
• no need to store at home, exposing the risk of theft
• can be bought and sold in parts, if necessary

Other possible ways investing in gold (buying bullion, gold coins) - just have the disadvantages that are the advantages of CHI.