How and where to invest money with profit. Where to invest small money

Although most people would like their funds to bring an income, only a small percentage is solved to invest them, fearing any difficulties and restrictions.

Anyone can become an investor and receive, even having a sum in 500-1000 rublesSo there are assets where you can invest small money.

To help beginner investors, the options will be presented below where to invest small money so that they work, specificity and pitfalls with various revenue assets, as well as a number of recommendations on the topic.

Here you will find real options for investing small amounts that are suitable for people practically with any income.

What does a small amount mean

According to Rosstat, average wage Russia is just over 45 thousand rubles. Of course, it varies significantly depending on the region and in fact he fluctuates on average from 20 to 50 thousand. Almost every person can postpone 10% of their income, thus having 2-5 thousand rubles per month.

But it is important that the amount you postponed to earn money on the market was not to the detriment of your financial situation. Roughly speaking, do not need to save on food and eat sweatsels to buy a couple and wait for dividend payments.

IN modern conditions Even a thousand rubles can serve as an excellent start for earnings and increase capital.

Money make money.

This is a favorite phrase of all investors and traders.

For earnings, this amount is not large, but it may seem like only at first glance. In fact, investing only 3000 rubles each month and getting from them an average of 1.5% per month or 18% per year, after 10 years the investor will have a million rubles, and after 20 years - already 7 million.

The secret of the growth of profitability in this case are, the efficiency of the use of which grows together with the investment period.

Of course, in some cases it makes sense to invest a little more to earn more tangible profits: for example, 15-20 thousand rubles pending over several months. Consider specific options where you can invest a small amount of money and which investment in such an investment can be potential.

Now we give one real example. Take the amount of investment in 2000 rubleswhich can afford all citizens of the country with an average earnings. Open brokerage account with average profitability in 25%, which within the framework of statistics is inherent in earnings on stock market. In a month, take 2% yield.

Imagine that for 20 years we will replenish this account for 2000 rubles. And after this period, the account will already lie 11 800 000 rubles! Such an amount even imagine difficult. But it is real! And everything began with this small amount in 2000 rubles.

20 years for someone can show a lot, but even if you are 40 years old, then you probably already understand that in 60 years you will not refuse such money and they will be very useful for you.

Where to invest small amounts of money

There are many options for maximizing money. And everyone can choose suitable for themselves from the calculation of amounts, risks and potential income. Below we will analyze the most proven and popular of them.

There are specialized services that allow starts to find funds to implement their projects, and investors - it is advantageous to invest their money, helping to develop other people's ideas. Such sites are called.

On them an investor can evaluate the proposed embodiments, alleged terms and yield, after which it is possible to choose the most suitable. You can mark Napartner, Planeta, StartupNetwork and others.

The Napartner platform contains many projects at different stages: idea, prototype, startup and expansion. The startup organizer indicates the essence of his business required by the amount of investment, the percentage of profits, which will receive an investor in the future, as well as the estimated payback period.

Amounts and terms may be the most different, depending on the type of business, and the future share of the investor, as a rule, varies from 10% to 80% Future profits. For example, for the opening of the Internet hypermarket of building materials, the starter is looking for 6 million rubles. In the future, the investor will receive 30% of net profit With a payback period in just 1 year. As you can see, there are options where it is profitable to invest small money.

At the same time, it is advantageous to invest a small amount of money, becoming a full sponsor of a separate project on the resource is difficult, since the number of cheap startups on it is small. Now the most accessible of them requires an amount of $ 1350.

However, a huge plus of such services is the presence of co-investment opportunities - even in the largest and most expensive one to invest any amount, becoming one of the many investors, between which will subsequently divided the profits.

Thus, it is possible to invest in an expensive large-scale project, having even 100 dollars.

Bonds

Choosing high-yield bonds, it is necessary to remember the very real probability of default on them, which is why it is worth paying their attention on large issuers with a good reputation and a stable material situation.

Corporate debt papers do not differ as high reliability as government, however, they are one of the most balanced options where small money can be investing in the ratio of profitability and risk.

As an example, you can bring bonds Mechel 17 ordinary. The corporation offers coupon holders at the level of 10.38%, paid once every six months. At the same time, in the paper, you can invest a really small amount of money, since the size of the lot on them is one bond, and the nominal value - only 350 rubles.

The market price for them practically corresponds to the nominal, which allows you to start investing from the amount even less than 500 rubles and this is a rather reliable option, where you can profitably attach a small amount of money.

It must be borne in mind that in Russia private investors from all income received on corporate bonds will have to pay personal income tax.

Private lending (P2P lending)

Risky, but a fairly attractive option of where it is profitable to invest small money, it is considered P2R lending, or issuance of loans to individuals.

You can turn the doings of funds in regular investment activities. There are various services for this, one of the most famous among which is Webmoney and its credit exchange.

In order to take advantage of this service, it is necessary to confirm its identity by the personal certificate of service, which reduces, but does not exclude the risks of fraud and non-return.

Of course, lending from individuals is more expensive than that of banks, which allows the investor to credit webMoney Exchange Receive income from their investments in a month equal to interest on bank deposits in 2-3 years.

At the same time, to start investing quite possible and with $ 100 in the account.

Thus, the investing relatively not large sums, You can count on a potential income of 100 and higher than percent per year.

However, this is possible only in theory, since in practice the proportion of non-repayments in the total amount of debts, reduces profits up to 50%. Of course, there are risks everywhere and this is not a reason not to do this.

Digital options

This method of investing money is considered rather trading than investment. However, digital (binary) options still remain one of the options where to invest a small amount of money with a lack of funds for more serious investments.

Attractiveness consists in high profits - from 70% in just 10-15 minutes.

Sites

Attachments in the sites imply an active income, and not passive, as the site needs to be managed, add a new content or engaged in advertising.

Even if you want to make any service or a paid service, you need to constantly monitor the health and attract new customers.

If speak about small attachmentsThis means that you will need to independently add content to the site and spend a lot of time on its promotion, such as publish links to your site on forums and social networks.

But there are more simple ways - for example, buy a ready-made website and add advertising on it. Google Adsense And then in passive mode to make a profit from advertising.

You can choose and buy a site on the largest Telderi.ru stock exchange. But even for this you need to understand a little in the site indicators to distinguish an income and promising project, from unprofitable.

Profitable sites sell for various reasons - urgently need money on new projectother more profitable; The person is engaged in making sites and sells them; The main work of the current owner does not leave time for the development of the site; The site is just tired of the owner and there is no desire to deal with, it happens.

Some people are just engaged in the fact that sites are bought. The rate of payback of the project to 8 thousand dollars is about a year or two. The site is more expensive - the longer the payback.

Attachments of small money in the currency

This method of investing is slightly similar to classic trading.

Buying currency can be carried out both with the help of banks familiar to us and in the terminals of specialized brokers. The largest belong to the largest - which are almost two decades in the market.

Consider on the example of a popular and all familiar currency pair. By the way, remember that famous collapse of the ruble, when the dollar rate rose from 30 rubles to 70? On this, many earned, especially since the dollar rate grew quite a long time. Those who were able to invest in time even a small money, well earned. And in the world, such oscillations occur constantly.

Wherever you have invested money, you always recognize how it works, which can bring. With currencies in the same way. It is necessary to analyze the market environment before investing even small amounts in 500-1000 rubles. If you do everything right, then this thousand can multiply with one deal alone.

For example, here is the result of one of our transactions with a GBP / NZD currency pair at a broker in just one day:

At first, it is possible to invest in so-called astensive asylum - this is a Japanese yen and a Swiss franc. Last and one of the most stable. This is a kind of gold analogue in the foreign exchange market.

Many professional and large traders do not open the transactions every day, and wait a good moment and open positions per month or more. This is already more reminded of investment, not trading. And the profit is also high here.

Someone else's business

Risk enough enough, but at the same time a very promising option of what to invest small money so that they worked, is someone else's business.

Favorable honors from their own case in this case is the lack of need to constantly spend their time, as well as a lower entry threshold.

There are several options for such investments:

1. Shares. Equity securities allow you to participate in management joint Stock CompanyAnd also give the right to receive part of its profits.
2. Loan agreement with the founder. In this case, the return of debt will not legally depend on the success of the business, and the amount of profit will be predetermined in the form of a percentage of the amount of debt.
3. Investments in business development as an investor. The startups can be attributed here, however, in addition to them, it is possible to invest in the development of a ready-made business, for example, in the opening of new directions or points.

Investments in the finished business not through the stock exchange and brokers will always go individual ways. These may be a contract, the acquisition of shares outside the stock exchange, a different kind of agreement.

Just think, perhaps in your surroundings there are people who work on a good firm where you could invest money. It is enough for you to make an offer and start negotiations.

A minus such methods are increased risks.

Deposit in the bank

The bank is the most proven, reliable and less risky way to invest small amounts of money. Its essence is that you enter into an agreement with the bank, in which he not only keeps your money, but also charges profits on them in the form of interest. It can be obtained after the expiration of the contract.

At the same time, it is possible to invest in interest at interest, starting almost from any amount.

Well, the bank uses these funds in their financial Operations and trade in the market to get more profit due to additional money.

The guarantee that you will get your money is mandatory contribution insurance for the amount up to 1.4 million rubles. Roughly speaking, if your contribution is not more than this amount, then the bank will pay you in any case, even if it go bankrupt. Return of funds in this case occurs at the expense of the state.

Naturally, more money, the above profits. But experienced pro advised "not to keep all the eggs in one basket." - This is one of the basic rules of successful investment that we will talk about later. Therefore, divide the amount of your contribution to several banks within the insurance.

If we talk about classical term deposits, then for most of them, the minimum threshold is considered to be the amount of 5-20 thousand. However, there are proposals from relatively small banks that allow the opening of a full deposit even with 1000 rubles: for example, MTS Bank offers contribution MTS income, and TextBank - Profitable +..

In addition, there is such a product as a cumulative account, minimum amount For the opening of which is only 1 ruble. Services for its provision are offered by even such giants of the industry as discovery - for such accounts to customers is accrued 6,17% annual. Perhaps this is not a lot, but you have already convinced that they are capable compound interest.

OFZ

Bonds federal loan They are considered as an asset with high reliability, thanks to which the choice of options are quite wide, as the investor does not have to discounted proposals with a high level of risk.

There are various types of papers on the market, but bonds of a federal loan with permanent income use the greatest demand for stable profits. The coupon for such tools is established when issuing and until the repayment remains unchanged, which allows you to calculate your future income.

As an example, you can consider OFZ-PD 25083 with fixed coupon equal 7% from nominal. The positive point is that payments on it are carried out twice a year, which makes it possible to reinvest or simply spend the profit gain.

The nominal value of the paper is a thousand rubles, however, due to the reduction in the rates of the Central Bank, there has been a general increase in interest in OFZ recently, because of which the bond is now trading with an election in 2,4% from nominal. Accordingly, it is possible to purchase it for 1024 rubles and in a year to get a profit guaranteed 70 rubles.

The bonds of the federal loan are traded not by lots, due to which they can invest small amounts of money, buying one or more papers.

A significant advantage of investments in the OFZ is considered to be the liberation of the investor from the payment of tax on the received coupon income. Corporate bonds are deprived of such preferences, which somewhat reduces their real yield.

Despite the availability of investment and profitability, the profits on OFZ arranges not all.

ETF.

Buying a SPDR campaign, you buy a cart in 500 companies. If you bought these shares separately, you would need much more money.

Now the number of funds not tied to indexes, but tied to the industry, for example, Purefunds Drone Economy Strategy ETF (IFLY) invests in the company of producers of drones. There are separate ETFs in various sectors, such as oil, processing, biotechnology, medicine, fast food, and so on.

The average stock price is 10-40 dollars. Buying one share you acquire a whole portfolio. It is worth saying that like mutual imaging, it is more long-term investments. Large portfolios reduce risks, but also yield.

You can and watch graphs more than 140 ETF funds:

Minimum deposit to start working on - $200 At the same time, you need to check the box that you are a qualified investor. This is a formality from the European regulator, confirming that you understand the risks of financial markets.

A broker with a 20-year-old work history has a popular ETF in assets:

Gold investment and other precious metals

Recently, more and more people began to invest in the purchase. But you do not buy ingots and do not keep them under the pillow. In fact, you do not even feed them. When buying, all this is stored in a special account in the cash equivalent in the bank.

Like the foreign exchange market, commodity and commodity is subject to short-term and take-offs, and drops. But mostly the main a precious metal It grows in price in the long-term trend, which is confirmed by the screenshot below.

Gold is not for nothing for many decades is considered the main asset asylum. This metal is not subject to inflation, which eats up your savings in bank deposits, depreciating part of the profits. Also no economic shakes, political events, natural catastrophes, geopolitical risks do not affect the dynamics of gold. As, for example, they can take the currency or stock market in a matter of hours.

Gold in such unstable situations can only get support and start growing. Since all investors will begin to bring investments from risky assets and invest in stable metals.

It would seem - once everything is so wonderful, then why don't everyone invest in gold?

And here there are devices. Namely, an uncomfortable storage system, high taxation and so on. Can be stored only by means banking system. Well, on profits can only be calculated in the long run.

If you summarize, you can invest in gold in quality. Metal investments are available from 1000 rubles through banks.

Purpose - save or earn

The choice of an investment asset is almost completely dependent on which goal is the investor. If it puts the latter money to protect them from inflation - it is necessary to choose low-risk assets with a minimum risk level. In turn, the higher the desired level of income for the investor, the more risky assets he should use.

If you postpone money for the purchase of real estate or other important acquisition, then you should not risk money. In this case, it is better to choose a bank deposit, because only he has a guarantee of the return of attached money, even in the event of bankruptcy of the organization - after all, deposits up to 1.4 million rubles are insured by the Deposit Insurance Agency.

In search of an ideal version of what is better to invest small money, investors often forget that it is not necessary to choose one unique, because even 300-500 dollars can be divided into several different assets. This will help preserve their attachments in case one of the investments will be unsuccessful and will damage.

Basic principles of small money investment

Attachment even small amounts requires compliance with measures that increase the likelihood of profit. Of course, it is impossible to completely exclude the risk, but following these advice can significantly bring the investor to the goal.

• Investing free funds. A good investor knows that investing only free, deferred money, which will not worsen your standard of living.
• Availability of purpose and strategy. Investing is associated with analysis and forecasting. It is not worth investing in any tools just in order to put them - a good investor should know how much, for what time and under what conditions he would like to earn.
• Discipline. Follow own strategy It must be mandatory for the investor, despite the fact that no one will control it. If the strategy suggests that one or another time is to sell, do not try to keep it further under the influence of momentary emotions - often such incidents end in losses.
• Reinvestment. The secret of good profits in the long term is complex interest. That is why it is better not to spend your profits, but to invest again, expanding your investment portfolio.
• Regular investments. Because we are talking about where to invest small money, the best way to increase its profits are regular investments. For example, if you postpone 2000 rubles per month, the investor is hardly greatly lost as life, but at the same time will significantly increase the speed with which its profits will grow.
• Do not stop learning. Constantly, be aware of events, news and new promising directions. Only so you can first find promising activities and have time to "catch a wave". How it was in due time with Bitcoin.

Much better not to invest

There are many ways to invest your funds attracting a high-yield investor and quick profit. However, no one canceled the proverb about free cheese. Consider several assets, to invest in which is undesirable.

Haip-projects

Various sites promising 50-90% yields per month who do not have a clear concept of that, at the expense of such a yield is achieved. As a result, they are simply financial pyramids. Of course, make money on such projects possible, but not at all. It turns out, as a rule, only in their very beginning, because after attracting a certain amount They simply close money and all participants know about it in advance. The goal is to have time to bring deposit until closed.

For this reason, invest in various Hype projects, financial pyramids, cohabitants of funds, etc. Allowed only if the investor is aware of the risk and is ready to completely lose all embedded capital in a short time. If the money will lose a pity, even small amounts should be investing in such projects.

Training on Personal Growth

Self-development - the best way To invest, but it is better to read books and receive profile education.

Miscellaneous kind of seminars and trainings have long been a business in which the self-seater does not teach customers to invest, but to make money on what they came (give me 10,000 and I will tell you how to earn).

The overwhelming majority of similar seminars will not give an investor information and skills over those that can be found free of charge on the Internet, but it can significantly empty his wallet.

Microfinance organizations

The proposed MFIs is a big percentage on the background bank deposits It looks very tempting, however, it is necessary to remember that such investments are not protected by the state, and a significant part of the companies of this kind finishes their activities by bankruptcy when it becomes impossible to continue to partially pay money to its first investors at the expense of the investments. For this reason, there is a very significant probability of losing your funds, and on quite legal grounds.

The investor must understand that if some organization offers income much higher than the market, and at the same time very favorable and comfortable conditions for investments - this should cause suspicions. The network employs a huge number of fraudsters who want to make money on novice investors - it is necessary to learn not to come across their tricks.

Conclusion

IN modern world Investor can be anyone, regardless of the level of income.

1000 rubles can become a million in the future.

There are many ways to invest a small amount of money both in the stock market tools and more complex and risky projects.

Depending on the type of asset, it is possible to launch both from 30 thousand and 1 rubles, which gives a novice investor the opportunity to try strength and earn its first profit in this industry.

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So where is it profitable to invest your money so that they work? In this article we will consider 5 popular ways to invest in time

Hello, friends! Alexander Berezhov, entrepreneur and one of the founders of the site "Khitirbobur.ru"

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

With this post, I start a series of article on the topic "Where to invest money."

Here we will look at both the popular ways of investing money and "exotic". I will allocate the advantages and disadvantages of each of them, and at the very end we will submit a general result of our review.

At the end of the article, I will tell you where you should not invest money in order not to turn around. So let's go!

1. Principles of competent investment or what experienced investors are watching

Here we will consider the principles that you should adhere to get the percentage of our investments above banking with almost the same reliability.

Why am I saying that almost the same? Remember the golden investment rule?

Profit is always proportional to the risks that an investor assumes!

Maybe for someone it will seem banal, but the first thing to start to invest is to start - acquire the necessary knowledge. This means that the first money is best to invest in the promotion, not in gold, not to the bank, but to make investments in yourself - they reappear repeatedly. So recommended to do two rich man In the world - Bill Gates and Warren Buffett.

After you have the necessary knowledge and idea of \u200b\u200bdifferent financial instruments, the principles of their work, expected profit and risks, can move to practice.

Principles of competent investment of leading global investors

Principle 1. Create a Financial Pillow

This means that without a certain financial base, it is strictly forbidden to engage in investment. The exception is only a bank deposit, as it is rather not an investment, but a savings tool.

What is a financial pillow and how to create it?

Financial pillow - This is a six-month reserve of money for which you and your family can live while keeping the usual standard of living without having other sources of income.

Create such a pillow can regularly postpone financial receipts (salary) or selling property.

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

Exception when you can start investing under interest without having a financial pillow, is the presence of you passive income.

Passive income - The flow of money coming to you, which does not depend on your daily efforts, for example, from renting real estate, dividends on shares or profits from the existing business.

Principle 2. Diversification Investments

In order for your money to work correctly, think where to put them to comply with the principle of diversification, that is, the division of funds on various investment instruments.

If you have become interested in the topic of investment, then surely this concept is familiar to you. In other words, this means " do not put all the eggs in one basket" If you have a basket with eggs and it will fall, then all the eggs in it will disarm and you will remain with anything.

This will happen with your accumulations (savings) if you put them in one thing (project) or an investment tool.

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

For example, if you invest money in the stock market, try to form your investment portfolio* So that your money worked in companies in different sectors.

Investment portfolio - A combination of all investor assets. For example, if you have a contribution to a bank, promotions, real estate, business - all these tools for extracting profits from the point of view of investment will be called your investment portfolio.

In order for your investment portfolio to be maximally resistant to market changes, in line with 20% of the free funds in the banking sector, 20% in oil and gas, 20% in production, and 20% in agricultural or food.

So, if one company (sphere) starts to endure losses, then the rest will "pull out" your funds up and will not give a portfolio.

Principle 3. Control risks

Risks - This is the main "problem" with which absolutely all investors are faced.

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

Unfortunately, newcomers make one and the earlier mistake - their eyes light up, instead of pupils, signs of dollars appear and now they are already in anticipation of millions rub.

How is things going in practice?

And in practice - everything is different! Overestimate your strength and experience, many people immediately try to engage in aggressive investment and lose money, instead of investing in more conservative tools. So it turns out in the end that the greed of Frare has thugs ...

Investments - the same science as any other professional business, which means that it is necessary to evolve in this direction gradually, going from simple to complex.

Start s 100 or with 1000 dollars, and God you will escape to invest big amounts immediately, especially in what you do not understand!

The top of the illiteracy here is to take money under the percentage and try to quickly "turn" them with some kind of "super-freight" way.

In 99% of 100, it ends with the loss of the entire amount and credit burden, which hangs over you with a Damoclamic sword.

Do not hurry, because if you become a specialist in the field of investment, then your future millions will not run away from you. On the contrary - if you hurry and try to get rich so far, the chance is great for the fact that you will never earn big money.

Principle 4. Attract the Sinvestors

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

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

IN last years fairly widespread theme of steel pAMM-account. In this case, investors are transmitted to trust management * Your cash by professional managing financial assets.

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

At the same time, the manager cannot dispose of the right of ownership by these means or property, but only has the right to use it to extract profits, the percentage of which he receives as a fee for successful management.

So several investors can create such pAMM account In the fold and transfer this amount in trust management, while all the risks on losses investors take on themselves in proportion to the invested means.

With the manager of such an account (trader), investors may agree that it ceases to work on account when receiving losses in a certain percentage of the account value.

If we summarize this investment scheme, we see that investors are ready to sacrifice, for example, 15% your money to potentially get 30% income.

Principle 5. Create passive income

An increase in your capital is very good, but no less important point is here to create passive income from your investment actions.

Why is it so important?

If you understand the course of my thoughts, then we are guaranteed to take a new way to invest your funds.

Visual example

You have invested 100,000 rubles and received 130,000 rubles in a year, that is, we earned 30% of the cash inves.

However, the next time you cannot give a 100% guarantee that you will earn another 30% or more per year. Given that such a yield is much higher than banking, means that the risks of this method are much more.

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

On the other hand, if for 100,000 rubles you could create a passive income, for example, the same 2500 rubles per month, which is also 30,000 rubles per year, then in this case, you can do the same 100,000 without any problems rubles and put them more conservatively, so your asset with a passive income of 2500 rubles is a guarantee of returns to the loan of a new amount in 100,000 rubles.

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

By the way, that's what Robert Kiyosaki speaks of the importance of passive income:

2. Since when you can start investing

You can start investing with any amounts. If you have chosen a bank deposit or action as an investment tool, here you can start literally with 100 rubles.

If you have no money at all, then just start postpone at least 10% from any of your income. So you will form a habit of creating a financial reserve yourself and as income growing, your savings will increase in proportion to increase. Money will work for you while you are resting.

All the well-known people who study success and proper contact with personal finances are spoken about what needs to be postponed: Bodo Scheffer, Robert Kiyosaki, Warren Buffett.

The fact is that many people with income increases begin to spend even more and even take loans, since they all lack money all the time. It is called "Dorved to a good life".

All the time, control your balance between income and expenses, live by means!

The most reliable and profitable investment methods include the opening of the business in the franchise.

Want a reliable option to invest? Take advantage of the partners of our site: become co-owners of the network of restaurants of Japanese cuisine.

The project is engaged in Alex Yanovsky, a businessman with a 20-year experience, who launched a lot of successful startups from scratch. At the time of writing a franchise of Sushi, a master openly 125 restaurants in 80 cities and 8 countries of the world.

My friend Sergey, opened the Sushi Master in Maykop in Maykop, invested 1.5 million rubles and after six months already paid his investment. So the scheme works not only in theory, but also in practice.

In section №4, I will describe in detail how to properly open the business for this franchise, putting a completely moderate amount into a perspective direction of catering.

This is what Alex speaks about the advantages of the opening of a franchise business:

3. Where to invest money so that they work - 5 profitable investment methods

Now many people run eyes from various offers - where to invest money. If you open the Internet and read articles on this topic, then someone suggests buying such a super-course passing which you will become a millionaire for a week.

But in most cases all these "magic pills" - no more than a good way to lead your savings.

Now we will look at classic methodswhich allow you to invest in understandable tools with predicted yield and moderate risks.

Method 1.

This is the most popular way of saving money, but its income is barely comparable to inflation in the country. So if you invest money in the bank and keep them there from year to year, then at best you just do not lose them, about more or less tangible earnings there are no speech.

Now the law adopted in Russia, which guarantees payments on deposits in 1 400 000 rubles In case the bank goes. This applies to all banks that have a formal license to carry out banking activities.

Previously, the insurance amount was 700 000 rubles . That is, if you have invested your money in the bank and for some reason he stopped existence, the state compensates for you your money if the deposit amount does not exceed the insurance.

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

Historically, it has developed that the most popular bank from our citizens is Sberbank, although here the percentage of deposits is one of the lowest, but the large branch network and the high reliability of the Bank itself allow him to remain a leader in the amount of deposits.

Pros and cons of investment of money bank deposit

Pros:

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

Minuses:

• low percentage of deposits;
• loss of percent with early removal of money.

Method 2. Stock Market and Pyp

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

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

To start investing in securities, you can just contact a bank or a specialized brokerage company, which is engaged in operations in the stock market.

Personally, I recommend two well-known Broker companies in Aton's investment company and Brokerage House "Opening". You can safely invest your money in these companies so that they work and not be afraid of losing them.

Many cities have their offices.

By the way, speaking about the stock market worth noting that there is different types Investors on the duration of investment of funds. There are inventors short-term, they are also called speculators. These are people who buy and sell securities for a short time: from a few minutes to several weeks.

There are medium-term investors, they buy shares a few weeks or months. There are also investors long-term, usually they act on the principle "bought and forgotten" - invest their money for several years in securities, evaluating the potential of the company and the industry in which it works.

The last type of investors belongs to the Guru investment Warren Buffett. Once he was asked when it is worth selling purchased shares, and then Buffett replied that never! This is his concept of long-term investment.

You can independently manage your investment or entrust this business to the professional manager (trader).

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

FIF. - mutual investment fund. it financial organizationwhich independently forms its investment portfolio from different financial instruments (shares, bonds, banking deoposites) and sells shares in this portfolio - pai..

According to the results of a certain term of management, percentages are accrued according to the size of your share.

But if in the bank you exactly get at the end of the year more than invested, then here your yield can be negative, that is, the fund can work at a loss.

Pros and Cons Money Investments in the Stock Market and Pyp

Pros:

• a small initial amount for investment (from 1000 rubles and even less);
• interest on the results of the reporting period is usually higher than in the bank;
• big choice investment instruments (shares, bonds, futures, options);
• the ability to receive dividends;
• the ability to independently make an investment portfolio by choosing a flexible risk ratio and expected profitability.

Minuses:

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

Method 3. Forex (foreign exchange market)

Global global currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy some cash units For other, for example, dollars per euro.

Traders speculators are earned on Forex, most of them make trading operations within the day.

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

Indeed, on Forex you can earn very much. However, it is associated with huge risks and you can lose your investment capital in minutes.

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

Be careful when choosing a forex broker. Since now many companies that do not bring your trading transactions to the real currency market and you just play your computer in the trading program as in a casino (naturally, losing your money).

Before starting to engage in this way of investing, read customer feedback, go to the company's office, make sure of its trust and seriousness.

Pros and Cons Money Investments in Forex

Pros:

• small entry threshold (usually from $ 100);
• the ability to make a lot and make a lot;
• large selection of investment instruments ( currency pools for trade).

Minuses:

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

Method 4. Bitcoin (cryptocurrencies)

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

Method 5. Real Estate

One of the classic investment tools when a person with money is asked where you can invest your money.

You can buy both residential and commercial invisibility. Naturally, commercial real estate gives greater income than living, however, and requires great knowledge for its competent purchase.

Real estate except buildings also include land, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but also the disadvantages of this method of investment is also not deprived.

Pros and cons of investment in real estate

Pros:

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

Minuses:

• high input threshold (usually from several hundred thousand);
• low liquidity (it is impossible to quickly sell without significant loss market value);
• susceptible to mechanical damage - damage by tenants, natural disasters, force majeure is a gas explosion, a fire, and so on (Instruct your property to avoid loss of money during damage or loss).

Method 6. Own business

If you have an entrepreneurial vein and a certain commercial experience, then one of the best solutions for you will be investigating money in your own business.

Simple example:

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

You can wholesale purchased goods in China or from a wholesale supplier in a major city and start selling them online. Often, this scheme is also called "Business with China" - a very profitable and promising direction in RuNet.

The team of our site is personally familiar with a successful entrepreneur in this topic by Evgeny Guriev. Zhenya not only long ago and effectively leads his own business, but also trains others.

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

Be sure to look at the review of the groom's students to inspire their success stories:

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

Especially effectively investing money with your own business, if it is already working, and your new investments will help the business bring even more profits.

Pros and cons of investment of money in their business

Pros:

• you yourself manage your money, building and optimizing business processes (being the business owner);
• for business projects, it is pretty easy to find the co-investors, which helps to attract large sums than if the investments were carried out alone;
• on business it is easier to get a loan than other investment tools.

Minuses:

• high risks of money loss;
• low liquidity of most assets (it is impossible to quickly sell equipment, goods and the like without significant loss of value);
• loss of share in a business project (in the case of attracting seinvestors).

4. Business on the Franchise Sushi Master - Invest Money with Benefit

Own business from scratch is a rather risky event. This requires solid start-up capital, an original idea and thoughtful business technology. But there is an alternative option - take advantage of the finished commercial model with a predetermined payback period and guaranteed profitability.

The Japanese restaurant chain has its own offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business falls on the Russian market.

Franchising is one of the leading activities of the company Sushi Master. The promotable product of the company is a projected business with a spent and effective structure.

The finished model of the owners transmit to their partners, the latter remains only to comply with the established standards in the preparation of dishes and marketing, as well as maintain the appropriate level of service.

The payback period of the franchise: 5-18 months depending on the region of the location of the selected format and other objective factors.

Algorithm for opening a branch of the sushi master on franchise Next:

1. Submit an application on the company's official website.
2. Pay for a paustal contribution - at the time of writing the article, this amount is 400,000 rubles.
3. Come down at the training center in Krasnodar.
4. Get the right to open a point under the Sushi Master brand, an official treaty, production technology, original recipes.
5. Together with the owners of the franchise, choose a place under the restaurant, count payback, get the support of the start-up command.
6. Open the restaurant.
7. Together with the command withdraw the project for stable profits.

General starting investment you will calculate together with the team individually. Cost range: from 1.3 to 4.5 million rubles. The opening period of the restaurant is from 3 months.

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

The co-owner of the company Alex Yanovsky is the founder of his own school "Business for glass", a successful entrepreneur I know personally. In his honesty, as in the profitability of the franchise, I do not have any doubts.

Risks are minimal, and the support of the training center under the direction of Alex Yanovsky is continuous and permanent. At your disposal - experience of successful businessmen, professional equipment, waste marketing technologies.

Market niche that you will take, now on the rise: there is an outflow of visitors from expensive restaurants in cheaper. Public catering establishments in street format or format "Island" are in demand and popular - just such options we offer our partners.

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

It is not worth investing in obviously losing enterprises -, casino, illegal and morally unacceptable projects.

These include criminal types of business: drug trade, weapon, contract goods, the organization of brothels, fake firms, laundering money, as well as fraudulent schemes in real estate (corruption during construction, evicting lonely old people and re-registration of housing).

To live calmly, engage honest and socially acceptable ways to make money, then you will gain not only financial freedom, but also sincere harmony.

6. Conclusion

In this article, we reviewed the fundamental principles of investment, recommendations from the best investors and business and finance specialists, and also met the most popular ways of investing free money.

In the next part of the article "Where to invest money," I will tell you about less common and at first glance it is not obvious ways to increase its capital.

And if almost all know about bank deposits, stock market and real estate, then, for example, how to create a good passive income, investing money in own Internet projects know a few.

Dear friends, I hope that you now sort out where to invest money so that they work and bring you a profit. After all, you can become rich and earn millions.

I wish you successful investments!

It is much more profitable to invest rubles in a crisis, so as not to lose its savings - recommendations from experts + top 5 of the most profitable investment areas today

5 (100%) 5 vote [s]

A rhetorical question that always worries investors: "How can it be effectively saved and multiply your capital, where to invest money"? With the development of the economy and the mass distribution of the Internet, many options appeared for money investments. This article will consider only available options for each. We will look at risks, profits, advantages and disadvantages of each investment method. The material is written in an affordable and understandable language for beginner investors.

Note 2.

Through these brokers, you can also buy foreign stocks. In this case, we still protect themselves from the currency risk of the ruble collapse.

I advise you to get acquainted with the following material for a better understanding of the specifics of the stock market:

2.2. Risks in the stock market

The stock market has only one minus is risks. But they are associated rather with short-term visions. That is, if you consider investments into securities for a couple of months, then exactly predicted which income or loss is impossible. Therefore, it is recommended to invest only with long-term intentions (from year to year).

There is such a popular passive strategy: buy and hold. As practice and experience of previous years shows, it brings good profits and does not take time.

Bankruptcy risks large companies Without visible reasons are negligible. In addition, when investing in the stock market, it is worth creating an investment portfolio (a set of shares and bonds of various companies and from different sectors of the economy). This allows you to strongly reduce the risks. Periodically (once a quarter) need to revise your portfolio in order not to keep the shares of problem companies. The situation is constantly changing, so it is necessary to quickly adapt to new realities and always have only the best securities in the portfolio.

For example, you can focus on the stocks that dividends pay well from year to year. Such shares are also called "dividend". So there are many investors with great capital.

The main thing is not to sell your shares during crises, because at this time securities are undervalued. Selling the best total at the moment of growth euphoria. But how to determine the peak of growth is difficult question. Even cool experts are not able to accurately predict this moment.

To independently do not compile an investment portfolio, you can just buy ETF funds. It is a copy of the MICEX stock index. There are also other investment options with ETF. For example, US Treasury Bonds, Gold, SP500 Index.

Because no one knows when the stock comes "peak", and when "bottom", then you should buy them on the same amounts periodically. Thus, we will never bite on the peak. The average purchase price will lie somewhere in the middle. Of course, if the price drops for a long time, then if possible, bribe the asset with a bigger volume.

2.3. Advantages and disadvantages of the stock market

• Liquidity (you can quickly and without big commissions to bring money into cash)
• Perspectives of big income
• Reliability (invest in a major and reliable business)
• You can invest big money

• Risks of short-term investment
• The market is cyclically and therefore there will be regular periods
• Risks to invest money at the peak itself

3. Bank deposit - as a storage option

Bank deposits are in the first place in the number of investments in our country. Much lags and stock market. In the US, the opposite situation: Americans are more likely to in securities than contributions. Most Americans have a brokerage account. As statistics in Russia shows the stock market gradually becoming more popular among the broad masses.

The deposit rate is at the level of inflation or just below. It is impossible to talk about earnings in such an investment. In fact, the bank offers only to save and save money. In any case, this option is better than storing money "under the pillow" at home.

The contribution is the most predicted and reliable way of accumulation, if it comes to relatively small sums up to 1.4 million rubles. The risks are completely absent, since the ASV (deposit insurance agency) will pay the entire amount of the deposit after two weeks, if the Bank has a license. If your amount is more than 1.4 million rubles, you can simply distribute money to several banks. This will fully insure all the money.

3.1. Benefits and disadvantages of deposits

• There is an accurate end time
• There are accurate income data
• The amount is insured to 1.4 million rubles, but it can be increased, putting money in several banks

• Relatively small income
• Inconvenient to store large sums (it is necessary to put in different banks for guarantees)

4. Investments in foreign currency - as an option for storing money

The storage of money in foreign currency is becoming increasingly popular. Indeed, but the point of keeping rubles in dollars and euros, when they rarely grow, and during this time you can work well on deposits or stock market?

If there is relatively large capital (more than 10 million rubles), then it can be recommended to buy some currency to diversify the risk.

4.1. What currency is better to buy

To buy many different currencies does not make sense, since everything is tied to the dollar. It is enough to buy "solid" currencies:

1. dollars
2. british pounds
3. swiss francs

The dollar version has its good advantages. For example, by purchasing $ 5,000 on the MICEX currency section, they can be investing in the Eurobonds of Gazprom or VEB. Coupon income on them 8.7% and 5.6% per annum, respectively. It will be a great way to store currency and at the same time its increase. Plus, in addition, the dollar is the most liquid tool, which will allow you to exchange it at any time at a market rate.

An alternative option is to store currency in bank deposits. True rates on them are extremely small. It will be good to find a contribution to at least 1-2% per annum. But is it worth putting money under such a little percentage? Taking into account investment for many years worth it. For a couple of months, it makes sense to buy currency only in speculative purposes.

Many will remember 1998 and 2014 in Russia, when the ruble strongly depreciated to international currency. Yes, crises are, but it happens not so often. Do not constantly wait for the crisis. It is much more effective to act in terms of the situation.

The dollar can be easily collapsed in the world to other currencies. The United States has a powerful economy, but also there is enough problems. Such situations in history happened more than once, so the storage of money in dollars in the period of strengthening the ruble can even lead to losses.

4.2. Where to buy currency at a favorable course

It is advantageous than the whole currency to buy on the MICEX currency section. Here you can buy and sell currency on the stock exchange rate. All exchange offices are focused on this course and even the CB course the next day.

To access the currency exchange section, you will need all the same brokers:

4.3. Advantages and disadvantages of storage in currency

Advantages of storage of money in currency

• We are not dependent on the ruble exchange rate
• Good and liquid risk diversification option

Minuses of storage of money in currency

• Extremely low interest rates on deposits in currency
• The devaluation of the ruble is extremely rare

How to reduce risks

How to reduce labor intensity

How much money to invest

Actual types of low risk investments

What to pay attention to when choosing where to invest

To understand whether to invest in one or another source of income, it is necessary first to define the criteria for which it will be determined by it or not.

If you restrict ourselves to three simple criteria, we would like to highlight the following:

Yield

The yield is undoubtedly one of the defining factors when choosing where to invest money to earn. It is measured most often in percent percent per sum of the invested capital and determines how much capital will increase in a year, that is, how much will the investor work. If we want the money to work, and not just save them, then at a minimum, the level of yield should be higher than the level of annual inflation. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5% is lower than the level of average annual inflation, which over the past three years before 2017 is 9.9%. So to invest money under high percent And make money on it, you need to use other features that we will look at further.

Risks

The risk level is also the main criterion when choosing where to invest in interest. Risks are the likelihood of events in which the investor can lose their profit or even its investments. If, when considering ready-made investment proposals, the amount of profitability is most often determined immediately, then the quantitative risk assessment is almost always unknown. This is due to the fact that to predict the likelihood of certain negative consequences is most often very difficult. Yes, and not all consequences can be defined. Therefore, when choosing, where to put money for interest, it is best to delve yourself, and on what the project actually earns how this process has long been established and there can be a situation in which something will not go wrong. If you do not have sufficient experience in these processes, it is better to attract the experts to this, who understand this and understand. It also needs to be understood that most often than the higher yield, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money under a small percentage, and as experience gained experience in more favorable offers for a high percentage.

Labor intensity

If in a pure investment, when I put money and do nothing more, it is enough, in our opinion, an understanding of the levels of profitability and risks, then, for example, when investing in your own business, an additional factor appears, as laboriousness - this is the amount of working time spent, multiplied by experience and expert performers. In other words, how much time you or your team will spend on business development, and in any number of knowledge and skills you possess. The development of its own project can have the highest yield: hundreds or even thousands of percent per annum, but at the same time the necessary labor-intensiveness of the process is strongly increasing, especially if you independently participate in business processes. The risks at the same time have the opposite dependence on the experience and expense of the team, that is, the more experience and knowledge - the less risks.

Where to invest in 2020 in order not to lose - Moscow expert advice

When there is an understanding which factors are determining when choosing, where to invest money, so that they work, you can already consider and evaluate specific investments than now we will do.

All options will be somehow related to mortgage loans.

We believe that such investments, on objective reasons, are the least risky, but they have a high yield.

At the same time, everyone can find an acceptable type of type, based on possible labor costs and the availability of expense.

To begin with, we will tell you more about what loans are secured and why the risks are minimal. Loans secured - these are loans that give out financial companies (MFIs, PDAs, auto bardes, leasing companies) Or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Rates on such loans are much higher than that of bank loans, and averaging from 40% to 100% per annum. Borrowers most often are entrepreneurs - the level of profitability of their business allows the coverage of high interest, but to pass long and thorough bank checks They have no opportunity. The second category of borrowers is people with a corrupted credit history, the road to the banks for which is closed. Or people who are not able to confirm their informal income.

All loans are issued or secured by real estate, or on the security of cars. Wherein maximum amount The loan most often does not exceed 50% of the market value of the collateral object, and the loan period is usually not more than one year. If the borrower cannot pay a loan, then the object of pledge is sold at a market value, which allows you to cover the amount of the principal debt, and the amount of accrued interest. If the difference remains - it is transmitted to the borrower.

It is the presence of collaterals that provides a minimum risk level for the investor, financial companies and this activity as a whole.

In 2020, experts noted, activities with mortgage loans became particularly popular and in demand from borrowers, and decent players appeared in the market of non-bank lending, allowing ordinary individuals without any labor costs to invest in this sphere and not only not to lose But also to make money well on this, having received your percentage with a guarantee provided by the presence of collateral.

Now, when we figured out how it works, and why the risks are minimal, we turn to the consideration of specific species of investments, their profitability and complexity. Total three options:

• Favorable treasures from 14% to 22% per annum
• Investment easily under 24% per annum
• Investing-pro up to 100% per annum

Let us dwell on each of the options, and you can find out in detail about each one by going on the relevant link where you can also leave an application for participation in the relevant program.

Favorable savings

This type will suit those who do not want or cannot be given time to invest. Here everything is simple: invested money and received income after the expiration or monthly payments depending on the type of savings. No labor costs on the part of the investor, but also the yield is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Favorable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1000 rubles. Companies Savings:

This type for those who want to immerse themselves in investing in loans secured and receive a higher yield from investments than in conventional deposits. Here, directly the investor himself issues loans secured on his own behalf, but all other business processes are such as the search for borrowers, underwriting (risk assessment and checking of the borrower), assessment of the deposit, drawing up contracts, receiving payments and other, carry out qualified specialists. Investor labor costs are consideration and selection of investment proposals and the presence on the conclusion of the contract. Yield 24% per annum. It is suitable in the presence of investments from 300,000 rubles, optimally invest 500,000 rubles and more.

The most profitable, but also the most time-consuming type of investment of money. This method is suitable for those who are well versed in loans on bail. In contrast to the previous method, all business processes, except for the search for borrowers, must be made independently. Yield up to 100% per annum. A good optionwhere to invest 100,000 rubles and after a year and a half earn a million rubles from above.

Where it is profitable to invest in interest - comparing options

• Risks
• Payments
• Labor intensity
• Amount of investment

Hello, dear readers of the business magazine site. Today we will talk about investment. If you have monetary savings that you can invest and make money on this, why not do it today. We prepared detailed analysis Banking Sector and tell me where to invest in a high percentage with a guarantee of income. It is important that money is not just lying in reliable placeBut also worked for you and brought profit.

From our article you will learn:

• Where and how best to invest in 2019 and make money on it?
• What banks give the most profitable percentage of deposits?
• Where to invest money from 50,000 to 100,000 rubles to get real income?

All methods are actually tested in practice and, according to many experts, more than ever. Let's start.

We give advice to which banks to invest in a high percentage with a guarantee + overview of the top 10 profitable niches for investment.

Much better invest in 2019: the main rules and advice of experts

Where to invest in a high percentage with a guarantee? This question is asked many people from year to year. Unfortunately, the situation with modern economy Now such is that the usual earnings sometimes lack even the most necessary for life, eh? All this makes people look for new ways of earnings, which, fortunately, not so little.

As it was 5 years ago, as is now and how, most likely, will be in the future: there are several industries that offer to depositors a reliable source of additional income. First of all, these are bank deposits, and work with securities. Of course, all these methods require deep knowledge, skills and skills, and in order to bring profit, you need a serious and responsible approach. But, with a more careful analysis, it allows you to bring a decent additional income.

Important: When planning where to invest money is always worth listening to the advice of more knowledgeable peoplewho have already managed to develop a certain experience in this area. Also do not underestimate financial risks: In any enterprise they are, and they need to be taken into account! And the rest will make patience, perseverance and good luck!

Where to invest in a high percentage with a guarantee - Top 10 NIS + expert advice

Option number 1. Buying foreign currency

So that invested money brought profit, you need to constantly move in various financial streams to work. Buying foreign currency is one of the most common industries suitable for earnings. Moreover, the most purchased currency is the US dollar and the euro. Most of those invested in foreign currencyMakes it because of the sustainable course in relation to the ruble, as a result of which people are not afraid that the dollar will fall sharply tomorrow.

This method of investment can be implemented in several ways, the main of which are banks, brokerage firms. If in the first case, there will only be enough passport, then in the case of the stock market, you will need to sign mandatory contract. By the way, on the stock exchange, in addition to the dollar and the euro, high quotes are also japanese yen., swiss franca, English pound sterling and some other currencies.

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

• A high profit percentage. In some cases, the profitability of this type of earnings can reach about 80-100%.
• The ability to avoid inflation. If you know how the currency behaves in a different period, it is possible to reduce the likelihood of inflation to a minimum.
• You can do at any convenient time. Here the person is not tied to various conditions, so you can buy currency in any, convenient time.
• Sufficiency of information. This means that a person at any time of the day can go to the Internet and "Proconitorie" the situation. Thanks to the visibility of changes in courses, you can decide in advance with further actions.

Tip: For a speedy increase in capital, it is better to invest money in the US dollar, if the preservation of funds are in the first place, then the Swiss francs should be chosen.

Option number 2. Investments in artwork (antiques)

Investing money in various works of art, you can in order to preserve your material benefits and in order to increase them significantly. But, despite all these obvious advantages, in order to invest in art, it is necessary to understand well in art, as well as be aware of modern trends. But first about the pros.

First, and perhaps the greatest advantage is simplicity. In order to become a participant, you do not need to receive any additional licenses and other permits. It is enough just to view the current directories or attend directly the exhibition or gallery. After that, the authenticity of the object is confirmed by the expert and then the purchase is already drawn up. But purchasing the subject of art, you always need to be prepared for the fact that you may have to wait for several years, and maybe more, so this is considered long-term investment.

Disadvantage this method is the fact that it will be necessary to at least partially understand this area or in the extreme case, hire a consultant. By the way, many investors work with consultants.

Tip: Experienced experts advise very seriously approach to this method of earnings and, if possible, to study all aspects in the smallest detail. And always, before buying, it is better to spend money on an invited expert, thanks then for a huge amount of money to purchase an art - the object whose value will be minimal.

Option number 3. Attachment to startups in young Russian projects

What are good startups? The fact that the very concept "" means something new, then that no one had previously done or did, but in a different way. In a word, any startup is interesting and fascinating, as well as risky.

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

1. High competition. The starts today are a lot, but only a small part of them will be able to break through, go into a niche and at the same time, earn money. One of the main shortcomings of investment in the startup - projects is the fact that you never know whether or not.
2. Lack of business contacts. Unstable deliveries, malfunctions, jambs with a service - this is only a small part of the problems that may arise if there is no experience. Business connections and effective business: Communications still mean a lot in the modern business world.
3. Changes in legislation. What does it mean? Everything is simple: most startups - projects are tied to small initial investment, and some will be able to be launched only with support state programs. And in the event that state support is canceled or additional conditions will be added, the entire idea of \u200b\u200bthe startup can go to no.

Tip: It's no secret that any business requires constant attention and self-dedication, especially when investing in this business own money. To get the maximum result, you need to constantly monitor the current affairs, constantly solve problems, participate in all important stages of the project. Only it is possible to ensure at least some kind of effect, including economic.

Option number 4. Purchase farm for mining cryptocurrency

Recently, more and more users are chosen as earnings. According to CoinmarketCap, every day the volume of Bitcoin - trading is about 112 billion dollars, and this is not the limit.

To close to do, you do not need to do anything complicated. First you need to register on any of the cryptocurrency exchanges, the benefit that there are now very much. The most famous from such stock is BTC-E, CEX.IO, INDACOINS, LiteCoin, Localboitcoins and others. Next, it is to make bitcoins to earn.

Bitcoin cryptocurrency release process (from English. Mining - mining, receipt). Mining is the process of obtaining bitcoins, which is built on solving mathematical tasks with work with large data arrays. To speak briefly, then the essence of the work of the Mainer is to choose from millions of variants of one only faithful codewhich was called "Hash". For such a hash, you can get up to 25 bitcoins, given that the cost of one Bitcoin today is 450 dollars.

Of course, the mining of bitcoins the process is complex and long, but the result is definitely worth it. You can make money on the difference in its value in the market.

Option number 5. PIFES.

Abbreviation PIF means Family investment fund - The concept that is absolutely accurately familiar to everyone who at least a little understands the principle of the Stock Exchange. People who work with the stock exchanges, as well as with shares and bonds, very often, as a project of investment, it is blowing that.

From the point of view of the average man, impacts can be described as a joint (collective) investment of funds and subsequent management of capital flows. There are many pitfalls on the stock market, so you have to trust the money better than a professional and qualified manager than to manage them yourself.

In short, this is the main meaning of investments in mutual funds: to invest free finances to the Fund, and the manager is already further acting on the basis of its own skills and competencies. Choose a manager can be based on its professionalism, qualifications and excellent statistics.

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

IMPORTANT: One of the basic rules of investing in PIFA is that it is necessary to invest money mainly in those promotions and bonds that have now lost their positions, but in the future they can re-eat, which will allow in the future to get good profits.

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

Real estate has always been and remains one of the most profitable areas for capital investment. But construction construction distribution. In order to get a truly weight gain, you need to initially enjoy a rather large amount of money, and moreover, you need to know which objects to invest.

According to the results of the research of Barcley, 42% of investors prefer to invest in completed construction and 33% - in active objects under construction. Despite the fact that at the start of construction, the object can cost 30-50% cheaper, only 7% are decided to invest in such real estate objects.

Building under the cheating just implies an investment of money in the construction, which is at the start, and then, after completing construction, sell this apartment at a market price, thereby doubled or even invested invested funds.

The main disadvantage of such a way is the fact that it is initially necessary to have enough big Capitalwhich can be investing. It is still worth adding numerous financial risks, races of course and other factors, so it is obvious that to participate in such investments you need an experienced consultant who will advise, where it is better to invest.

But, if everything works out, the profit will turn out to be truly big, and all attachments will pay off.

Option number 7. P2R lending

Private lending, or as it is also called (from the English. Peer-to-Peer) is a way that in recent years has been in great demand. The essence of this method is that the lender provides cash to the borrower under certain conditions. Before investing in R2P lending, you must consult with a lawyer in order to compile a competent contract. In this contract, all conditions on which loans are made are clearly spelled out, and all the main financial risks that the lender may suffer.

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

Of course, in addition to the obvious advantage, there are disadvantages. The main disadvantage of this method is that no one can guarantee a 100% refund of funds. Whatever careful was not to search and check the borrower, in the end, he may simply have no funds for the return of debt. And walking on ships is a business troublesome and costly.

Option number 8. Foreign exchange market (Buying securities, stocks)

Work with the monetary market And, in principle, it is considered quite profitable, but it should be remembered that it is not necessary to count on quick earnings. The investment of funds in securities most often implies the acquisition of a portfolio of shares, bonds, as well as Eurobonds.

Shares are a kind valuable paperswhich gives the right to participate in the capital's capital. The advantage of acquiring shares is possible possible profit (sometimes equal to 100%, or even more) if the action increases sharply in price. The disadvantage of working with shares is again, the absence of any guarantees, since no one knows what will happen to the company tomorrow. And the shares of large stable companies are sometimes more expensive.

Bonds, in contrast to the shares, allows the owners of these securities to increase their capital gradually. This method cannot be called soon, but it is relatively stable and reliable. The acquisition of bonds can significantly reduce the risk of financial losses, but at the same time they have much longer than the stocks.

And finally, Eurobonds. Eurobonds are a kind of securities that are produced by large corporations and government agencies In the denomination of currency. The minimum rate for the purchase of Eurobonds is 1000 US dollars. The main advantage of working with Eurobonds can be called a course difference. This means that the owner at any time can profitably invest and sell Eurobonds and not lose, and even win percentage of the exchange difference.

Option number 9. Cumulative insurance

The cumulative insurance in Russia is not as developed as for example in the United States of America, but even here you can turn the accumulative insurance in a way of earning.

To speak as a whole, in general terms, the accumulative insurance scheme can be discussed as follows:

• The client concludes life insurance contract with an insurance company in which the amount of insurance payments is indicated. After signing the contract, the client pays the company's contribution company, the size of which he chooses independently. The contribution can be paid immediately, and you can smash several parts and pay gradually. If for a certain period of time (necessarily prescribed in the insurance contract), nothing happened to the client, it comes in insurance company And returns its funds, and even with interest.

For example, in the West, the percentage of major insurance companies is 10-12%, in Russia, this rate, unfortunately, is still less than 5-7%. But even this will be a decent bonus to the amount made by the expiration of a certain period of time. Something this method is similar to the usual bank transaction, except in addition to the contribution, the client receives, first of all, the self insurance service itself.

Option number 10. Bank deposits

When it comes to where to invest money in order to receive passive income, the first thing comes to mind is bank deposits. There is nothing surprising in this, so bank deposits are quick, convenient and more or less reliable (especially, if you know what bank to put money in).

The essence of this method comes down to conclude an agreement with the bank, on the basis of which a person brings money to the bank, thereby can not only be preserved them, but also to increase. This method is beneficial for both sides, as a person, in addition to the amount made, receives additional interest, and the bank gains its benefit when it is imparted by this money.

The indisputable advantage of this method of earnings is that the bank is among other things, also insures money, that is, the contributor can be 100% sure that the investment will return to him.

Important! It is always necessary to pay attention to the accompanying deposit conditions on which the Bank works. So, for example, besides annual bet, there are still conditions such as the possibility of prolongation, capitalization, early removal of funds, etc. All these concepts in aggregate make it possible to judge whether it is profitable to invest in this bank or not.

Where to invest money at interest in a monthly income bank? Review of interest rates and proposals of banks.

What banks to invest money under a high percentage with a guarantee - Top 10 profitable banks + tips for passive money earnings

Before answering the question "Where to invest under a high percentage with a guarantee", you need to carefully examine the basic options that today, we offer various banks. Below are the 10 most attractive bank deposits for individuals currently existing.

Bank number 1: Bank Binbank, the contribution "Maximum percentage"

The deposit amount is 1 million rubles. Interest rate - 8.20%, deposit period - 1 year. After the year, the income will be 82,449 rubles

Bank number 2: Bank Rosselkhozbank, contribution "Investment"

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

Bank number 3: Moscow Credit Bank, the contribution "All Inclusive: Maximum Income"

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

Bank number 4: Bank Promsvyazbank, Contribution "My Income"

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

Bank number 5: Bank Opening, Contribution "Superpromo"

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

Bank number 6: Bank Russia, the contribution "Classic"

The deposit amount is 1 million rubles. Interest rate - 7.40%, deposit period - 1 year. After the year, the income will be 76,562 rubles. There are 4 options: Monthly payout, capitalization, replenishment and preferential termination.

Bank number 7: Bank Sovcombank, the contribution "Maximum income"

The deposit amount is 1 million rubles. Interest rate - 7.50%, deposit period - from 9 months. After the expiration of the deposit, the income will be 75,000 rubles. There is an deployment option.

Bank number 8: Bank UniCredit Bank, Contribution "For Life"

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

Bank number 9: Gazprombank, Contribution "Investment Income"

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

Bank number 10: Bank St. Petersburg, Contribution "Earls Online"

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

Where to invest 10,000,000, 50000-300,000 rubles to earn and not ruin?

Let's look at real examples of money investment and see how much we can earn on it.

Example number 1: Invest 1,000,000 rubles and analyze profitability

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

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

If you make uncomplicated calculations, it is possible to calculate that the profitability of this investment is 10%, it is an average, an indicator that, nevertheless, is within the framework of reliability.

Definitely answer the question " what profitability is considered normal?No, since everything is very subjective and depends on each specific area of \u200b\u200bactivity. For example, for production and sales, the 10% indicator is considered low, but considering that bank deposits are fully passive income, then 10% is a completely normal digit. If you calculate the average annual amount of inflation, then you can get an even more accurate answer.

In addition to the bank deposit, an interesting construction site is interesting for investors. If you approach the question from this point of view, one million rubles can be purchased a small studio apartment at the initial stage of construction, and then sell it, say, for 1.8 million. In this case, profitability will be 44%, and this is an excellent result. True minus is that in construction it is always necessary to take into account the risks, and the final value of the apartment can change, and both in the greater and in a smaller side, which will differ from the expected cost.

IMPORTANT: There are several types of profitability, but for this, specific occasion is suitable for equityROE, which is calculated by the formula (net profit / equity value) * 100%.

Example number 2: Invest 300,000 in real business - project

Investments in 300,000 rubles are a sufficient amount for the opening of a small business, which for the first year will be able to bring a good income to the entrepreneur. If a person has free 300,000 rubles, the next step is, and this is a very important step. Choosing a branch where to invest and do not bargain, not only intuition should be guided, but also to spend careful the financial analysisand consult with experienced investment experts.

But pure offdck there are some interesting ideas that can be implemented quite successfully, they are shown below:

• Household goods . Household, or in a different way, economic goods are always needed and to everyone. If you find suitable suppliers, you can open, for example, small Internet - shop for the sale of household goods. Over time, you can add to household goods. construction MaterialsAnd it is also always profitable.
• Kitchen furniture . Talented designers and carpenters will never be left without work, so if there are funds, you can make orders for the production of kitchen furniture. In order to open your own small shop, you will need a production room and several employees. Over time, after permanent customers appear, it will be possible to expand production.
• Food delivery. Food delivery services - the thing is very convenient and necessary for many. The scheme of work is based as follows: it will be necessary to assemble the supplier database, it can be small cafes, snack bars, pizzerias, and then the user orders food through the delivery service, pays money for shipping. The advantage is the fact that it is not necessary to have its own fleet, just connect to the driver system or taxi service.
• Bakery shop . Open your own baking shop - the case is also very interesting, but, at the same time, having its difficulties. So, for example, in order to start working, you will need to get special licenses for food production and permits from SES, ecological certificate and others. But it is if it goes to the mountain, you will be able to gain a relevant client base, over time, make yourself a good advertisement and can be expanded.

It was just some of the ideas, but in fact, they are much more, it is worth just searching.

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

50 thousand rubles - not such big money, but even they, with a competent and thoughtful approach, will be able to bring good income. Of course, starting from scratch your own business with such a sum is unlikely to succeed, but to invest in already existing projects, or to take additionally - this is please!

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

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

• Services sector;
• Franchising;
• Network marketing;
• Dropshipping or system of direct deliveries;
• Vending;
• Infobusiness.

These are just some of the ideas in which does not require huge funds, can be made with the participation of attracted parters and, moreover, these investments will bring good profits.

For example, thoughtful franchising, with a good scenario, can make a profit already in the first months, since there is already a promoted name and a well-established scheme of work.

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

Conclusion + video on the topic

In conclusion I would like to say that, regardless of what idea is chosen or what project is launched, the main thing is to be patient. You should not wait that everything will come literally the next day, you should always remember that patience is the key from many doors.

We look at the video with an example of investment:

After all, only around own experience, your own achievements and misses can be achieved something. And so that work brings pleasure, it is better to invest in those areas that cause at least some interest, personal participation. And there, over time, will come and success, and luck, well, and economic efficiencyNaturally!