Shares where to invest money. Where to invest money to earn: basic rules of investment

It's nice to make a profit from the money that was earned earlier. To make money work, knowledge and understanding of the situation are required. There are methods of investment for newcomers and financial pros - we offer an overview of the most popular options.

The question is old as the world. Ideally arranged in my life a person feels only when removing decent amounts from a bank card, without doing anything for this. Receive profits from what earned earlier, and thus ensure the present and future - a sign of a person with a good head.

No need to consider the conclusions made in the article as a guide to the action - what turned out to be revenge for the author may not approach you. Choose the methods of earnings yourself, then the laurels, and the spikes with full right can only be considered yours. However, it will be useful first to come on how to earn today on earned yesterday.

Let's see what ways to receive income from the nested money exist, and let's try to determine the most profitable one.

Bank deposits

There is nothing easier. You pass your money to the bank and get a certain percentage of the deposit amount. Bank earns using your money.

A simple example. You put on a deposit a certain amount under 10% per annum. A year later, you get your money and 10% from above (which can be obtained by parts monthly). Credit rate in this bank is 20%. Thus, the person who will be passed on your loan to pay the bank for them 20% of the loan amount, and the Bank will earn 10% on mediation.

The scheme is simple, understandable, projected and most reliable. Other financial instruments cannot boast such predictability. Moreover, deposits over 700 thousand rubles are insured by the state and are guaranteed to return to the depositor, regardless of the financial condition of the bank. The amount of over 700 thousand can be divided into several deposits, confuse itself from the loss of money in the event of a bank bankruptcy.

Calculate income is easy to credit calculator banking page on the Internet. With high reliability of the bank deposit, it does not allow it to consider low yield. The method is good for initial accumulation with the subsequent investment in more income areas, as well as a monetary "airbag".

PAMM-account

Thus, the trader risks together with investors. Profits and losses are automatically distributed at the end of the trading period between the PAMM-account manager and investors in accordance with the Offer - a public contract, which sets out the conditions. The participation of the investor is thus limited to the choice of the manager and the investment in his PAMM account (see "").

The convenience of PAMM accounts is that the investment does not need to have special knowledge and the minimum initial threshold of investments. Disadvantages - a complete assistance of your own money to a third-party person and the inability to influence the result.

FUT INVESTMENT FUNDS (PIFES)

A slightly less popular way of investing capital. Pynes are a kind of financial battery where minor depositors are going (shareholders) and are used by managers for various kinds of investments in order to profit. These means can be invested in stocks, bonds, precious metals, currency, etc.

Means do not just invest - they manage. Assets are bought, for example, at the time of the minimum price with informed confidence in the fact that the growth of their value is obligatory. To determine such a probability, use technical and fundamental analysis.

The economic situation in the world, the region, the news is the economic and political and the mass of other components, complex for the man in the world, is analyzed. The task of blows is to save a person from all these difficulties, to get their money and earn themselves on them and the inhabitant, which, earning in this way, is not necessary to be distracted from its main activity.

Perhaps the investor in the FIF will seek the case in some time and will begin to invest independently, but it will be another story. For successful investments, the "correct" effect should be selected. Recommendations for the choice are abounding on the Internet, and particularly interested in the training "Successful Investor" can be recommended, where you can learn the alphabet of profitable investment.

The benefits of the PIF can be attributed to a low investment threshold, a rigid state control of activities, professional management and lack of taxation for the investor.

The disadvantages of the FIF are higher risk in comparison with fixed return tools, the costs of designing and storing certificates, payments for the management company, regardless of profitability and some others.

The action is a valuable paper that testifies to the share of the owner in the company's capital and the right to its owner on the part of the company's profits. What are the stocks and what their differences are written a lot. In comparison with other methods of investment, investing capital in shares in the long run most profitably, but also most risky. Investing in the purchase of shares makes constantly track the situation on the market, not allowing capital losses due to lowering the cost of shares in crisis times.

Bonds

Bonds - debt papers that guarantee their owner receiving a certain amount of money from the issuer. Designed for those who do not like to risk. Large yield on bonds is impossible - usually it is comparable to the profitability of deposits.

As a profitable such tool cannot be considered, but as a way of diversifying investments is quite suitable. The term diversification means the distribution of investment capital between risky and reliable tools. Reliable (such as gold, deposits, bonds) with minimal yields allow you to maintain equity investing in them regardless of the market situation.

Forex

Forex (Foreign Exchange) is a market of interbank currency exchange at free prices. In fact, it is a speculation of various currencies. For example, by purchasing 100 euros for $ 130, after a while you sell them for 160 dollars, earning about it $ 30.

Trade on Forex currency pairs, as given in the example. The cost of currencies depends on many factors and is constantly changing. For example, the financial instability of individual states of the Eurozone (Greece, Spain, Portugal) leads to the fact that investors, fearing the course of the euro course (this currency is needed to support financial systems of these countries), get rid of it. The volume on the Forex stock market is growing, the cost in relation to other currencies falls. On such fluctuations in courses and earn a forex.

You can, after studying, trading on Forex yourself, but you can trust your money to professional traders. The method of investment, despite the wide advertising, dubious. If you trade yourself, you have experience, knowledge, strategy, will - this is your method. But the statistics of an inefficient: states on Forex made units, and burned optimists - millions. So, to solve you.

Cumulative life insurance

Or insurance in case of unforeseen circumstances. From ordinary insurance differs from the fact that he combines health and life insurance with accumulation, preservation and increasing capital. Ordinary insurance implies the payment of a certain amount upon the occurrence of the insured event, and during the accumulative insurance, if this case did not come in the course of the contract, it is possible to obtain the entire accumulated amount or monthly certain payments to the end of life. Naturally, such a method of investing means cannot be considered highly equal.

General Banking Management Funds (Offhouses)

The Offhouse is very similar to intrinsicities, but have wider investment functions. On the one hand, it expands the possibility of increasing yield, on the other - increases risks. There are cases of profitability of investments in the Offhouse up to 600% per annum.

A negative factor can be considered that, in contrast to the mutages, the Offhouse is much less controlled by the state. Sometimes the Offca finish with full collapse due to non-professionalism of the managers. On the Internet there are enough information about the work of the Offhouse. Recommendations for investing in the office are very restrained. It is recommended to invest the amount with which it is not very difficult to part. I think comments are superfluous.

Hedge funds

In Russia, a new and non-prolonged type of investment. At the present stage, this tool is available to a small group of wealthy investors. In the Western market, hedge funds are popular extremely popular. The minimum investment entrance is from a few hundred and up to a million dollars.

The absence of intelligible regulatory regulation allows you to freely choose the investment game strategies and use the widest investment toolkit. As a result, it is possible to be with super-profits, and suffer huge losses. A bright example of the hedge fund can serve as the famous QUANTUM Foundation, the brainchild of the genius of a financial game, managed once a day to get fantastic profit in a billion dollars.

Structural (structured) products

There are a set of financial instruments proposed by investment and commercial banks for individual customer categories. The structural products have been particularly popular during the crisis when the market situation required the search for reliable investment methods that could give revenues large than bank deposits.

The principle of structural product is simple: approximately 80-90% of investment capital is posted in bank deposits, and the remaining 10-20% are invested in futures and options. With the unfavorable development of events, the investor remains "with its", without losing anything, and with a successful investment, it receives a profit of 20-30%. Not a lot, but above the return on deposits.

By the way, a small, but stable yield is a sign of high professional professionalism. The genius investment Warren Buffett earns with its customers 24% per annum many years. The figure only at first glance is not impressive - only buffett can provide such a permanent yield.

Gold and other precious metals

For most wealth has a golden glitter. As a profitable investment of gold, gold is unlikely to be considered, even though the price for it has recently jumped significantly. During periods of crisis, gold helps to save savings. Investors are exempt at such times from shares, bonds and other products and acquire gold. When the crisis lets the economy, and there are profitable investment methods, the demand for securities is growing. That is why gold prices are growing in crisis periods, and then most often fall.

The property

Real estate is always beneficial for investment. By itself, it is constantly growing in price and, moreover, it allows to receive income from renting it. But the trouble is that the property is very expensive and can be considered as a way of investment only by very wealthy people. If you have a big capital, then investment in real estate can be considered as an option.

You can do with smaller money, if you invest in real estate at the construction stage. In this case, certain parts periodically have to make the cost of housing. It is necessary to calculate a specific option, if there is a possibility of payments and this will not affect the level of your life, then you can invest in the construction stage when the cost of the square meter is much lower than the built housing.

Business

So, the main options for financial instruments are revised. Each of them has its advantages and disadvantages. The principle is obvious: the more reliable the investments, the less their yield and vice versa.

The last option that is not yet described is your own business. What does the profitability of its own business depend on? Only from its owner. No one establishes rules and conditions: fantasy, performance, ingenuity is the key to the success of a businessman. Of course, there are various external circumstances affecting the business, but they are not critical and everything is in the hands of the owner.

Often, the correctly chosen business brings at least 100% per annum. In addition, you become a creator and a participant in an exciting process, in which almost everything depends on you. Together with his work, the person changes: you become stronger, more confident in yourself, in general, we grow as a person.

In addition, you have the possibilities of investment earned in various tools for additional income. In life, it is never possible to count on someone in the main way. You can only become the owner of your life yourself, no one. I did my choice: the best investment is your own business. Join and wish you good luck!

Every advanced person thinks about what is better to invest money.

Demand generates a proposal and today the investor offers dozens of places where it is profitable to invest money may be a profitable idea. Let's conduct an overview of the most accessible and interesting options where money can be investing in 2019, compare their pros and cons, conditions and benefits!

Where to invest money - startups

- These are innovative companies offering new technologies that therefore simply did not exist. Introduce new and unknown technologies to life, bring them to the mass consumer - a very difficult task that thousands of percentage of profits can bring together with this.

Note that: New startups requiring investment daily. But only 10% of them work for more than a year.

In order to earn on, you need to make sure that the idea, purpose, plan, the team in the young company is well interrelated, if the company understands what she needs and what it does is an important component of success.

There are no few examples when startups literally from scratch turned into millions of companies enriching their investors throughout the path of development. Today there are special start-up markets through which companies and investors are converged. - This is the site on which startups register themselves, their suggestions, business plans and declare the necessary amount for the start. Investors choose startups and invest in them. So each startup can have many investors. When the startup is gaining the requested amount, the project begins to work and, if successful, he will reward his investors.

Now, when the American machine stopped printing money in the same quantity, among the rich and wise people there is an opinion that new markets will not be born in the next 10 years, since in the world it will simply be free. In 2018, the startup market has declined. This also affected the crisis and solvency.

Minuses

Startup is risks and unknown. Often, startups are not dying because of bad ideas, but because of a bad organization, incompetence of the management company.

Where to invest small money - PAMM accounts

I do this type of investment I. In essence, it is very similar to the PIF, only one person controls them. Professional trader creates a special PAMM account at the broker. In this account, initially there is only its authorized capital, for example 50,000 dollars. Next, investors may invest money. The trader trades on the stock exchanges of this account and profit from trade is distributed proportional to the contributions of each investor.

Over the past 7 years, many PAMM account brokers were born and died. In order not to say managers of existing brokers, today there is only one leader - this is.

It was this broker that owns the trademark "PAMM account" as it was he who came up with this system.

Profit in this form of trust management borders on an average mark of 4-6% per month or 80-120% per annum If we take into account reinvestment. Moreover, it is reinvestment that allows you to multiply your own profit and allow! This is a very high percentage, despite the fact that in portfolio investments, risks are practically absent, and the minimum investment begins from 10 dollars. As you can see, this is the place where there is absolutely everyone can invest.

Alpari provides all statistics and data on the work of the manager, displays its transactions and trading volumes. At the moment there is a PAMM accounts that have been working for more than 4 years and bring stable profits. Since the trading strategies from the managers are different, then the yield of individual PAMM accounts differs. If conservatives bring 4-6% per month, then aggressive can issue in one month!

Risk control

When attaching at the same time in 10-15 different PAMM accounts, you reduce the risks to the minimum itself. If one account for the reporting month will bring a loss, then the rest will block this loss of their profits.

PAMM accounts are available to everyone, from the moment of registration at the broker before investment will require no more than 10 minutes.

More information about Investment in PAMM can be found on this blog, which is devoted to them.

pros

High yield, practically no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.

Investment in stock market

If the money for storage is put in the bank, then to retrieve the benefits of them invest in the stock market. The stock market is sites where securities and even services are sold and bought. The main platforms are stock exchanges. In Russia, this Moscow stock exchange - Combining two previously selected MICEX and RTS sites.

Directly trading on the world stock exchanges is not the investor itself, but the intermediary is a broker with an appropriate license. The investor opens a trading account at the broker and buying stock assets such as securities and others.

Investments in options

For me it very profitable Type of investment. Not so long ago, I tried all the possibilities and ready to tell you everything in detail.

Binary option is a contract with the condition of growth or fall of the asset price in the time you set. If your condition is performed - the asset price grows or falls according to your forecast at the set time, then you get a profit. Everything is arranged so that even the child will understand.

Best I will immediately give an example:

You buy binary option for promotions Microsoft. For 1 hour and indicate that the price will grow. If in an hour, the price of Microsoft shares will be higher than at the time of purchase of the option - you get 80% of profits. If you were invested 100 dollars, then in an hour you could earn $ 80..

In options can be investing on the time from one minute to a week, the investment period is set by yourself. Among assets there are shares of the largest companies in the world as Gazprom, Facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. As well as among assets there are assets of the commodity market (oil, gas, gold), stock indexes, currencies ...

How to make money on investments in options?

Yes, very simple! Only follow the news. If you find out that Toyota. Tomorrow starts selling a new series of cars, then this means their shares tomorrow will grow up. All you need is to invest in the Toyota shares option with the cost of the price of 1 day or even an hour in the midst of the day or at its very beginning. If you find out that the tsunami flooded the Toyota plant - it means their shares will fall and you can invest in the option with the condition of falling prices.

So you see that you can earn not only on the growth of shares, but also on fall. And news on companies every day is a lot and thanks to a large number of assets, you can invest in options daily. It is enough to do only 2 successful deals per day in order to earn more than $ 5,000 per month.

But a recent example as an instruction:

Step 1 - Choose an asset. I chose Facebook shares in binary options:

Step 2 - indicate the expiration time of the option and forecast. I indicated the expiration time at 21:35, as it is now 21:25, then I will invest 10 minutes. In this case, I predicted the growth price of stocks and pressed the button UP:

Step 3 - I get profit. 10 minutes passed quickly, and Facebook promotions managed to grow a little in price:

pros

These are the highest equity investment, in just 5-15 minutes you can get from 70% of profits. Every day you can make many deals. Among the assets of the stock, commodity and foreign exchange market. Available absolutely to everyone, the minimum investment is only 25 dollars

Minuses

High yield is associated with high risks. Successful investments require preparation and careful analysis of the asset. Due to the possibilities of super short-term investment, the investor must have psychological sustainability, to have its own strategy.

Attachments in stock

Pretty longtime and classic way. Invest in stocks can be in different ways depending on the company. The average profitability of stocks fluctuates from 10 to 20% annual.

But there are exceptions, for example, NVIDIA shares in 2017 added 200%.

For those who have consisted on average, growth can be 5% per year. For example, Google, it has already been a huge business, imagine what he needs to do to increase the cost of 100% for half a year? It is almost impossible. But a small pizzeria is enough to open a couple of new restaurants and conclude profitable contracts in order to add 500% in a couple of months.

You can in practice to see how stocks on stock exchanges are purchased and sold. NASDAQ., Xetra., and other exchanges at the broker (minimum deposit for opening an account $ 100). There you can, Microsoft and more than 1000 companies from around the world.

In addition to those who have already consisted of billionth companies, new, the shares of which are quite cheap, but their potential as the price may increase thousand times. For example, the same Applewhen it was a small startup.

If you do not want to risk big money, but I want to make money on the promotions, the ideal option will be CFD contracts - this is trade in price difference.

In assets there are more 1000 shares various directions, for example Adobe, Electronic Arts, AMD, Ford etc.

I really like trading at the broker, I work with this broker for many years and above you have seen an example of a deal at the branch of this option broker.

And now I will show an example of a transaction on shares. In order to buy promotions, I went to the trading platform, chose Ferrari shares and pressed the button BUY.:

A little later, Ferrari shares have grown in price, like my profit:

At this point, the profit is still floating, as it depends on the price of shares, which continues to change. To make a profit to your account, you need to sell stock, that is, to close the deal that I did:

Now the profit was credited to my account $73,2 :

It must be said that among the assets of the broker not only shares, but also all currency pairs, indices and commodities, energy and others.

pros

Shares are able to bring good profits, privileges and may be long-term investments.

Minuses

The market may be unstable and it must be constantly analyzed. Although portfolio investments are fairly stable even in crisis conditions.

Investing in metals

Buy physical gold The future is one of the long tradition of saving money. And nowadays, gold bars have in free sale in almost all banks of many countries, including in Russia, Ukraine, Belarus. Gold ingot may have a different weight, it varies from 1 gram to 1 kilogram. Each bank exposes its price to it.

Note that: Over the past 15 years, gold experienced a price boom, but since 2012, inexorably loses in price. To date, the future of gold, and investing in gold can only be long-term.

This precious metal will not lose its basic value, but not even a big drop in price can bring losses to the investor, because not only capital is lost, but also time.

A few years ago, Warren Buffett sold all his "golden" assets and did not lose. I think that in 2018 it is not worth a hurry with investment in gold, at least worth waiting until stability in the oil sector is established. If you look at the rating of the FIF (about this below), then you can see that for the years 2017, the bumps engaged in gold have already suffered losses.

pros

Metals have a certain physical reserve, so no longer need to expect strong drops. Metals belong to long-term and reliable investments. Investments in metals are available almost to everyone who has an account in the bank.

Minuses

The price of metals strongly depends on different economies. It is not worth counting on the big percentage of profits. When selling gold in the bank, it is necessary to pay a tax of 13%, this is the percentage that can be achieved over several years of investment.

Compared with bank deposits investment in stock market They are considered significantly more profitable. Although no one guarantees real profit. It all depends on the status of the stock market at the moment. A foreign market for money and types of companies is an overseas market, where even children know about the promotions. Basically and are based on promotions. But in order to successfully invest in the promotion, it is not enough to have money for the contribution, you need to understand the business well and be able to predict. For those who do not feel confidence in these skills - confidence management will be the best choice.

Where to securely invest money - bank deposits

At present, the most popular way to preserve money from Russians is considered to contribute to a bank deposit. It raises more confidence in citizens than investment funds investment. Perhaps this is due to the inertia of thinking, because during the time of the USSR, it was possible to invest personal funds only in Sberbank.

I would say that people do not invest money in banks, but simply go to storage . An exception can only be very large amounts.

Interest earnings at banknotes are small, an average of 7-9% per annum, and the state insures up to 1,400,000 rubles each contribution from unforeseen circumstances.

Among the most reliable banks:

Sberbank (SBRF.RU)
Vneshtorgbank (VTB) St. Petersburg (VTB.RU)
Gazprombank (Gazprombank.ru)
Rosselkhozbank (RSHB.RU)

They offer not the largest, but stable and reliable annual interest: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are such a place where everyone can invest money, but an investment is difficult to call. Only bankers can earn in the bank, and the depositor only to save its funds.

pros

Pluses are that banks are relatively reliable, and you will accurately save your funds.

Minuses

7-10% of yield do not justify itself, as the inflation rate is just at this level. It is difficult to call it an investment.

Where to invest money - FIF

The mutual investment funds are also one of the types of capital investment where it is profitable to invest money on the bank. PIFES are created to attract investments to trade on commercial and stock exchanges, as well as real estate operations. FIF for a long time was the most popular places where every person from the street could invest.

FIP there are several types

Open type effect - Here you can freely buy or sell Pai.
Interval type effect - Pai sell only after the expiration of a certain time.
Closed type effect - Do not accept deposits from private investors. Usually profits are paid at the end of the year.

PIF can be viewed as trust management - you buy pairs, and your money is managed by the company, as a result of which prices are growing. But as I said, in 2018 the risks are high. If you decide to invest in some kind of face, it should be investing not entire capital, but only some part. Pyp profitability ratings can be viewed on the pages:

//pif.investfunds.ru/ratings/
//www.nlu.ru/pif-doxod-renking.htm.

If you decide to invest money in the FIF, I advise you to carefully examine not only the company itself, but also the prospect of the market, as well as ask for plans, ask a question regarding the future of the governing market and make sure that they are confident in their actions and know how to act in different situations.

Manage the face of professionals, but the fall in prices cannot even stop them. In this case, you should not hurry to sell pairs. You need to wait until they rise again in price. In any case, to stay in the profit, the fund needs to invest in a long term in several years.

In order to earn and have the ability to make, you need to have a solid capital.

In most of the investment in successful blows begin from half a million rubles.

It should be understood that to invest safer simultaneously into several different bumps. Also, for a successful investment, you need to understand and understand the stock market, shares and the current state of the market, and other economic factors.

pros

A good effect has high reliability, as regulated by the state. In successful years, profits can be up to 80% per annum. Limited risks depending on the specific conditions of each FIF.

Minuses

Long transmission and receipt process. If you live in the city where there is a PIF, then investments will be extremely uncomfortable (signatures, documents, translations). In good face, there can be high minimal thresholds for investment.

Art objects

One hundred percent return is not such a big rarity on this free market. But to feel that it is who can have the greatest investment potential, only intelligent investors can only have a good taste.

250,000% per annum

The most reliable investments are investments in the famous artists of the last century. For example, the picture of Andy Warhol "Lemon Marilyn" was acquired in 1962 for 250 dollars. After 45 years she was sold for $ 28 million. 250,000% per annum.

Among modern artists, you should choose the most active, which are regularly exhibited in galleries and are advertised in every way. Pictures of such artists can be expected at 100-300% per year, despite the fact that the paintings of famous modern artists can be bought from 10-20 thousand dollars. It is worth saying that the main buyers of art are not lovers and collectors, but players of the financial market.

Not all investors are sacrificed in painting or artists, but it does not prevent them from making money on it. Such investors attract special consultantswhich make an objective assessment of the asset, check authenticity, accompany the process of buying and selling.

pros

With a competent approach, not only aesthetic pleasure is brought, but also high profits.

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%. Therefore, to invest in a high percentage and earn 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 2019 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 are loans that give 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 are most often entrepreneurs - the level of profitability of their business allows to cover high interest, and they have no opportunity to pass long and thorough bank checks. 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. At the same time, the maximum loan amount 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 an investor, financial companies and this activity as a whole.

In 2019, experts note, activities with mortgage loans became particularly popular and in demand from the borrowers, and decent players appeared in the market of non-bank lending, allowing us to invest money in this sphere without only any labor costs, 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 or 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 option where to invest 10,000,000 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

To think where to invest money so that they work are increasingly. And it is not surprising: to invest simply, it is much more difficult to return the money later. If you do not increase, then at least to save accumulation from fluctuations in currency exchange rates and inflation is the main task of people. A successful investment makes it possible to obtain a monthly stable income.

5 Basic Rules for Beginner Investor

Before you submit to you specific options for investing, let's consider the basic rules that are to be held with this form of activity.

Rule number 1. Do not store eggs in one basket or diversify.

Diversification of investment - This is the distribution of investments on various investment instruments in order to reduce the risks of loss of invested funds.

Those. No need to invest all money in 1 company. After all, there are always risks and something can go wrong. Distribute your funds on various tools. Thus it will be impossible to lose all the money at one point.

Rule number 2. Use only your "working capital".

Work capital - These are the money that you debug on the main income is specifically for investment.

Those. You have to work only with personal means, do not lend money to invest. If you do not have a work capital, but you still want to invest, start to postpone the monthly part of the funds to the bank or under the pillow (for example, 10-30% of income). Over time, you have a significant amount.

If there is a loss of investment, this should not affect you and your family in terms of health and standard of living (although on the mood will reflect in any case), so we do not invest the last penny.

Rule number 3. Return your deposits and reinvest.

Money that your working capital brought should be invested in other assets. After all, increasing them, your passive income will constantly grow.

Rule number 4. Do not look for 100% reliability.

You risk every day, the risk is part of our life. Going out of the house there is a chance that the car will betray you, so now not to go out of the house? What will you do with a plane that can fall to your home?

This does not mean that it is always necessary and everywhere laying the head thoughtlessly risk. This means that you must manage risks using Rules No. 1 and No. 2

Rule number 5. It is worth spending less than you get profit.

Those. It should be live in opportunities, well, or make money on the needs, it is also more convenient for you. Forget about loans, credit systems are directed only to ruin a person and to lure money from him.

Where to invest money, whatever they worked and bring profits - 14 investment options

We got acquainted with the rules, now it's time to move to real investment tools. Next, consider what are the options for the investment of working capital. Let's start.

Option number 1. Deposits in the bank

The best way to preserve accumulations from inflation without much difficulty is bank deposits. Nothing needs to be done, and the amount grows. Keeping money in the bank cell is much more profitable and safer than "submattance investments" at home. It is important before making a contribution to familiarize yourself with the proposed deposit programs. The minimum amount in some banks does not exceed one thousand rubles. It means that even small savings will be saved and will give a small but income.

And here it is important to remember about inflation. With the increase in prices over eight percent of the savings stored in the bank, will not be impaired. In reliable and revenue proposals are possible:

early or full removal of funds;
availability of a branch of the selected bank in the area of \u200b\u200bresidence;
the size of investments in one finching is no more than seven hundred thousand rubles, that is, in terms of deposit insurance.

Losses from reducing courses compensates for a multicurrency contribution. With the fall of one currency, the quotes are growing another. So the risk of loss is reduced. Only extremes are not needed: why invest all means only in the purchase of currency, albeit different names? The ruble will begin in any case, and the risk of loss of attached funds will grow.

Be sure to contribute to, carefully read all the terms of the contract. It is necessary to know how big the risk and what guarantees provides an organization in case of termination of work. Only with this approach can provide high profits and reduce the risk of loss.

Rich and successful investors make contributions on their criteria. But they have a whole staff of consultants, and in the nuances of the market they understand not as an example of newbies. Therefore, completely copying their actions is meaningless. Exactly the same results will not succeed.

Option number 2. Currency

Since the time of the "harsh nineties", the habit of keeping the accumulation of the house in foreign currency remains. Usually rubles were translated into dollars. Now the currency becomes a good option. Only stop the choice on dollars is unsafe, better euros or Chinese yuan. The situation in the US will be tracked constantly.

But it is dangerous to leave money in rubles: a floating course and sharp fluctuations in the oil market is not beneficial to the fool. And again: keep "all eggs in one basket" experts do not advise. Therefore, the optimal option is multicurrency savings.

Option number 3. Forex Invest.

Quotes of securities and dynamics of exchange rates - the possibility of good earnings. Profits can be high, but newcomers such an investment, judging by the reviews, is not recommended. More reliable tool - PAMM accounts. But here there are no unambiguous opinions.

"For" and "Against" Forex

Trading on Forex implies a considerable initial investment, and with the complete absence of experience and elementary skills about profits better forget. Permanent income is its own strategy and fully compliance with its rules in any circumstances. Then the crisis is not an increase in income.

But for training for its own strategy will take several months and even perhaps for at least a year. And PAMM accounts manage traders with extensive experience. They have already passed training, and the results show impressive. They will work with trusted means, and the resulting profit is divided in half. An interesting option: Capital will enhance guaranteed.

Forex - Earnings on the difference in exchange rates. To get a stable income, market knowledge is necessary. And use electronic adviser programs is not an output. Someone they helped to remain in winning, and someone had all the investments. So, to obtain passive income, you will have to undergo training. And the best newcomer output - PAMM account

Than good pamm account

PAMM account - trust management of capital. The investor invests, trusting the investment company trader to make a deal with them. Only ten dollars of initial capital - and one hundred percent arrived almost without spending time and forces is tempting. But here it is important not to get instead of an honest company in the pyramid. Therefore, it is important to look at the registration, the availability of certificates and licenses, is required to verify feedback on blogs and forums. If the company's yield exceeds ten percent per month, it is alarming.

The manager will dispose of capital, the trader whom the investor chooses. And the spending of time is not a collection of information about the management and analysis of his portfolio is not in vain. Do not invest in a PAMM account that younger than six months. And the number of such accounts should not be more than two dozen.

It is impossible to predict the success of the investment, so even with a competent choice of PAMM, the account remains risky. Therefore, it is impossible to invest borrowed capital and contribute only to one company. The higher the percentages, the greater the risk.

True, it is impossible to predict the time of liquidation of the company. But alarming:

delays payments;
sharp increase in interest on deposits;
an increase in the number of account replenishment methods;
change of company status and site design.

In the case, it is important not to risk, but to divide the funds into several parts and make several investments in different directions: real estate, antiques, bank deposits, stocks, precious metals. The risk is different, at a unprofitability of one investment, other investments will be advantageous.

Option number 4. Binary options

Binary option - This is a financial instrument with a fixed value and a predetermined size of potential profit.

When buying an option, you make a forecast, in which direction the price of its asset (up or bottom) will go. In the case of a sure forecast, you get profit, usually 70-85% of the cost of your bet, in the opposite case losing the amount of the bet (some brokers return 15% with an unsuccessful transaction). Those. At a rate of $ 20, your profits will be equal to $ 14-17, or lose $ 20.

Well, how can I earn?

There is a question how can I earn, and even more so to invest the funds if the chance to "guess" 50%? This is possible, but only with due preparation. As Vladimir Ilyich Lenin said: “Study, study and study again” . Without this, binary options are really very similar to the roulette.

Option number 5. Precious metals

It remains quite reliable. Investments in precious metals, silver and gold. They grow prices, and therefore the investment is promising. Despite the effect of outside retains palladium positions.

But a substantial minus - investments in precious metals are long-term. Therefore, in less than a couple of years, the investment is meaningless. But not everyone agrees to make a contribution to such a long term without solid confidence.

To invest in physical metals, you can open a metal impersonal account or OMS. This is an analogue of the usual account, but without commissions, palladium, gold, platinum and silver are taken into account in grams. Prices are installed every day, that is, the amount of funds in the account changes constantly. Such investments are suitable for analysts wishing not to just save capital, but also to increase them.

Option number 6. The property

Where to invest money to receive a monthly income? At any time, real estate is in demand. So the way to invest in it remains in demand always. Real estate prices are now reduced, since the demand for housing among the population is reduced. But interest rates are growing. Lending on such conditions is unprofitable, and the owners are forced to lower prices to attract buyers.

But here the cost of one square meter is so high that it will not be able to reduce it to neither government subsidies, nor special programs to support the construction of economy housing. It turns out that even if it turns out to start a decline in prices, it will not happen soon.

Of course, we are talking only about the investment of personal funds, not mortgage and not taken on credit. Percentage payments will fully cross the hope of income. In this case, the acquisition of real estate or a land plot is a win-win option. And in the future, the purchase of additional housing is also obtained, and receiving income from rental.

And this is explained. During the crisis of small towns, people move to megalopolises, and they have to live on removable apartments. Rent is required at an affordable price, and the appearance of such a proposal as it is impossible: very beneficial to everyone. So the visiting housing is obtained, and the landlord income. It turns out that during the fall in real estate prices, the price for rent is growing.

Land can always be sold with benefits for yourself. In addition, the Earth brings profit to farmers. So using it in direct appointment, that is, the organization of the farm is also income. The cultivation of agricultural products is both work for yourself and loved ones, and the benefit of getting fresh products, and income from the sale of their surplus.

Purchase from bankruptcy trading

Since even major players seek to acquire property with cheaper, it makes sense to look closely to objects exposed at bankruptcy auctions. Their price is somewhat lower than under normal conditions.

Option number 7. Shares and bonds
Such an investment refers to risky even at a prosperous time. And in conditions of instability, it is precisely predicted which companies will remain, only professionals can, and that is not a complete guarantee.
For profit on stocks, the amount of money attached to the purchase of an accommodation package is important. The stock market is unpredictable, as well as the behavior of the investor, and to call the amount of profit is not for the experts or professionals. The beginning of bankruptcy becomes a violation of trade conditions.
For earnings on the promotions, unfortunately understand and know how the selected company receives profit. According to experts, it is important to accurately predict the increase in stock price. If the cost has increased dramatically, it is necessary to sell them. Then good profit is guaranteed as a positive reputation of a businessman.
If the stock price falls, then you can earn at fall. It is necessary to act on the strategy of "short" sales. Shares take a broker for rent. After a few days, they are redeemed and again give the broker. Income - the size of the difference between the value of the sale and purchase of the stake package.
The investment portfolio collected from the stock requires constant tracking of news, monitoring the situation on stock exchanges and timely transfusion of funds, that is, activity.
What can I properly invest money? To obtain income on the stock market, it is not necessary to have a weighty reserve of funds. The initial amount of investment ranges from ten to thirteen thousand. It is also nice that the transaction is conducting a specialist in a power of attorney issued to him. However, this does not mean full removal of the principal: to follow the situation in the country and the world and browse the analytical calculations necessarily.
If a short-term investment is planned, then when choosing a direction to consider all the position. Purchase of shares of the country's leading companies makes it possible to quickly payback on the shares of metal-processing organizations and manufacturers of mineral fertilizers. Shares will grow, and this trend in the future is imperative.
Option number 8. PIFES: FUT INVESTMENT FUNDS
Pypham is also not easy to organize investment. For the most part, they lose more than they get. But in the direction of the movement of funds do not have to do. This method is the joint contribution of shareholders. One person or a governing company only manage them.
PIF-PAUH INVESTMENT FUND. Several contributors trust the management of their money professionals. The managers invest in the most advantageous, in their opinion, directions. It turns out that investors receive the same opportunities as large banks, insurance companies and pension funds.
Money is investing in different directions. With increasing profits, the FIF increases the income of the investor. When selling a share, the depositor receives losses or income in the form of a difference between the sale of the solder.
The initial price of the share is determined by the Fund. Buying it is most profitable during the fall of the market. The main advantages of the PIFA are the possibilities to invest, without having special knowledge, high yield, reduction of costs of investment. The state is strictly monitored by the work of companies. And this is a good additional warranty of stability.
Pypnes are bond, newly, index and mixed. To buy Pai, you need to contact either a bank-agent bank, or in the company itself to notify about your desire. After signing the contract with the fund, the funds are transferred to its current account.
After the acquisition of PJSC, the client receives confirmation of the opening of the account, enrolling on it and an extract about the quantity. However, before investing the funds, it is worth entering the PIF.InvestFunds.ru/funds website. It contains all information about the Pyfah.
Option number 9. Investing in business
A good option will be the investment of funds on the franchise. Franchising, in its essence, is the cloning of the parent company. You give you a ready-made work plan, teach you and provide information support when running a business in your region. It is like a finished constructor, there are all the details and instructions. It remains only to assemble the working system.
In the case of business, you will not receive passive income, but when debugging business processes, you can delegate all the work and hire the executive director. So in this case, it is already more like an investment. Such a system will bring you income without your participation.
Option number 10. Investments in information sites
Income when investing in information sites comes from placing on them banner, contextual, teaser advertising, from affiliate programs, as well as with placing advertising articles. In fact, it is a passive income (if you do not take placement of advertising articles, although this work can be delegated).
Such a resource can be created from scratch, but for it you need certain knowledge. Let's look at investment in finished projects.
How much can the information site cost and what is the return on investment?
Approximate price of 20-24 months * Monthly income of the site (Formula is valid for small and medium sites). For example, if the site brings $ 400 per month, the price will be \u003d $ 400 * 20-24 months. \u003d 8000 - $ 9600. Those. return of investments 4-5% per month . There is a special exchange of Telderi.ru to make such purchases and sales.
In case of independent development, the project profitability may be 50% per month . But it is worth considering that the new site will be released on normal positions only after 4-8 months of active development (it also depends on the subject and competition in niche).
What is the advantage of such an attachment?
You get a monthly passive income. Subject to the further development of the project, the monthly income increases, as well as the cost of the site itself in the event of resale. The site acts as an asset.
As for the creation of your project, it is necessary to buy special knowledge and skills to buy a finished project, but there is nothing superposable, there would be a desire to understand.
How much does this site bring money?
The site on which you are now being (site) brings approximately $ 420 a month from the contextual advertising Google Adsense.
Option number 11. Investments in online startups
Not so long ago, a new embodiment appeared - in online startups. The Exchange is a kind of Internet version of the share. Large investors are uninteresting for both promising, but small projects for their standards. And without funds on the development of undertaking only them will remain.
Perspective projects are strictly selected before entering the exchange catalog. After that, funds are allocated to their development. They are shares in free circulation. Income Investors can receive from the first month about 3-7% monthly. If necessary, to make a profit, sell shares can always be inside the system.
Option number 12. Attachment in microcredit
People constantly have a shortage of money. So, the popularity of lending is growing. But if you wish to do this type of investment, it is worthwhile to enlist the support of a knowledgeable person who is familiar with this sphere and has considerable experience. Advise partner he will have often.
Without promoting a professional, investment is deprived of meaning: if you do not know the specifics of the case and do not have the slightest ideas about the right organization, then the invested funds will not only be able to preserve, but the risk of losing everything increases significantly.
Option number 13. Investing in the acquisition of coins
Very beneficial investments in coins. They are not taxed, they are easy to store them. It is only important to do everything neatly. Even a small scratch on a coin reduces its cost. It is easier and more reliable to store attachment in a bank cell. Additional cost, of course, is, but the risk of damage to negligence is reduced to zero. Especially attractive coins of silver and gold.
Buying such coins or ingots is important only in banks to choose by weight. In credit institutions there are all certificates confirming the origin of the metal. So long-term investments will pay off. Unlike ingots, jewelry products are not devoid of impurities, so the purity of the metal in them is under great question.
So regardless of the size of the planned attachment, several million or only one thousand, all conditions must be completely clear, and the invested funds should bring revenues. And for this, the investments require a care. What business to invest in?
Investment is needed in real projects, and not in Mirage, scattering in close sight. So huge dividends in record deadlines - a sign of alarming. In such projects, it is better not to make deposits: your own nerves and funds are recommended to take care.
Option number 14. Investments in school
Where do the money put rich people? If there are free funds, then why not invest them in learning a child? Education has long ceased to be free. And pay options. You can make a one-time payment of the entire period and track the visiting classes. The attachment is fully justified
Just before investing it is necessary to find out whether the child himself agrees to study in the selected institution. If it does not show no tendencies to the selected parents, then the attachment will be empty sound.
Yes, and find out everything about the educational institution you need: the money it requests considerable, but does such an infusion correspond to such an infusion. The limited circle of communication, formed on the principle "friends with whom it is beneficial" and often knowingly overestimated marks - the reason to alert and think: is such an investment benefit?
Investments in the development of personnel qualifications are one of the directions for investing in rich people. Knowing employees who know how to quickly and correctly assess the situation work productively, while maintaining and strengthening the team spirit is a correct investment that pays off in the next time.
The most popular destinations for investment
Pretty great investment in industry. They are engaged in large investors. Their profits and so much, and therefore the size of the investment is impressive. The investment in the development of industry is not only profitable, but also a very fashionable and patriotic direction.
When investing in deposits or real estate, the minimum amount of monthly income in Russia may amount to ten percent. More risky investments in stocks, precious metals and financial pyramids. You can earn up to five hundred percent of the initial contribution, and you can lose everything.
Pyramid is generally unpredictable attachment. Let the promises initially be fulfilled, and profits reach huge sizes. But this is only for those who came first. Next begins to reduce income and, finally, a legitarious result: disappearance and organizers, and money.
Do not be applied to promises without difficulty double, or even triple funds on Forex game. Exchange operations - occupation for professionals. And only they can predict the behavior of currencies, and it is not always. And to lose money and moreover, considerable because of the gullibility is too reckless. More winning investments in the development and development of their website, business or from participation in the PIF: from thirty percent of investments will be returned.
Where do not need to invest
But where should not invest under any circumstances, it is in the purchase of machines and mink coats. It is clear that to purchase a couple of luxurious fur coats at a price of one - a real luck.
But after all, the mole will not give up delicacy. Such a product does not lie for a long time, and the styles lose relevance. The same principle and large networks spreading elite perfumes.
Household appliances - unreasonable investment. She is obsolete, losing in price. It will be impossible to sell it even at the cost of purchasing.
It is worth remembering about the fact that even a new car loses about a third of the price after departure per gate of the cabin. And it is impossible to return these funds. Over time, the technique does not rise in price, unlike precious metals.
The preservation of capital is the question of the current, and therefore it is important to approach his decision, without a rush, discussed all the cons and advantages of future investment. Ultimately, the issue of stability and profit size depends on the decision.
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