Where to invest money to earn. Where to invest small money to earn. Precision in precious metals

Greetings! Last year, it is impossible to be called boring and predictable: neither for Russia, nor for global financial markets.

For the first time in the last 20 years, the budgets of oil monarchies of the Persian Gulf have become deficient. The UK came out of the EU, and the British pound was collapsed to the level of 1985. In December, the Fed USA raised the base rate to 0.5-0.75%. The euro fell almost to parity with the dollar.

Russia agreed to reduce oil production by 300 thousand barrels per day. The Central Bank recalled the license in 95 banks. But the ruble strengthened to the dollar by 16%, and the level decreased twice.

What's next? How to preserve capital in a high uncertainty situation? What to invest in 2018-2019? For convenience, I divided the tools by targets: not to lose, earn on the growth of the asset and / or and receive income in the currency.

Here I took the tools with almost 100% reliability. "Almost" - because. All three asset only partially compensate for losses from inflation!

Bank deposits

If your investment horizon is too short for risky assets, you do not have a special choice. Ideas will also have to leave, so the only thing you can have banal bank deposits. If your capital needs to try to preserve first of all from myself beloved, it is better to open the term deposits, without the right to replenish and remove (for example, the product "Keep" from Sberbank). At such deposits always offer maximum interest rate. And prohibit take part of the deposit until its closure.

The main thing, do not forget about the "limiter" in the form of 1.4 million rubles in one bank. It is so much (and not a penny more) will return the Deposit Insurance Agency in the event of bank bankruptcy.

Reliable bonds

If you have a little bigger horizon and just above the financial IQ - you will probably interest these debt papers. Judge for yourself: the risks of the bank's bankruptcy are much lower than the risks of bankruptcy of some one bank, even if large. Plus, the yield of bonds is almost always higher than the bank deposit.

By the way, you know that on the money that you leave in the form of a contribution, the bank almost immediately buys bonds and thus earns the difference in percentage not risking anything?

Bonds are considered the most reliable federal loan. Their repayment is guaranteed by the government Russian Federation. But the bond portfolio is better to form out. Fortunately, the symbolic cost of the bond (only 1000 rubles) is quite allowed.

You can advise something specific possible only knowing the specifically your investment plan, so below I will give a couple of interesting things in my opinion.

For example, OFZ-PC is a bond with a variable coupon. The coupon size is tied to the middle rate of Rouiona and is revised from time to time. OFZ-PD fixes the size of the coupon at a constant level (for example, 6-7% per annum) until maturity.

But I believe the most interesting option in 2018. The denomination of such bonds is constantly indexed on the inflation rate (calculated on the consumer price index for every day with Lagom in three months). According to the OFZ-in coupon is 2.5% of the annual inflation (CPI).

Gold

Shares

Unlike bonds, stocks - tools with potentially high yield. Experts believe that in 2018 the MICEX index will still grow, the Central Bank will continue to reduce key bid.And oil will rise in price. On this background, many Russian "giants" are good growth potential.

To make a profit in the future, today you can invest in the securities of exporter companies: ALROSA (excellent indicators of the company last year), "Protek", NLMK (Rosneft in the list of recommended companies no). Analysts advise to pay attention to the shares of LUKOIL and Sberbank under the last year (even despite the fact that it is quite strong, his P \\ E is still low).

Some make a bet on the rise of electric power companies that shrewd last year. Of particular interest are the shares of Rossett and IDGC of the South.

The main idea and advice is to pay attention to the company with a prospect of growth and.

For example:

• "FOSAGRO" (POSSIBLE GROWTH OF THE GROUP OF ACCOME TO 3350 RUBLES POSSIBLE, DIVIDEND DEVELOPMENT Over the past two years amounted to 6.08% per annum)
• "Rusagro" (price increases up to 1200 rubles)
• Norilsk Nickel (possibly approach to 12,300 rubles per share, dividends over the past two years amounted to 14.09% per annum)

Abroad promising others looks like the high-tech: Facebook, Alphabet, BYD Company, Google, Amazon, Netflix, Nvidia and others.

Own business

Own business - profitable, but very risky option. The initial capital is needed from the first day, and the return on investments can be obtained, at best, six months old. Or not to get at all ...

In order not to risk large sums, start from the project on the Internet. First, a bunch of problems seems to lease office, warehouse and logistics. Secondly, the starting amounts here are much more modest than to open your own.

To receive passive income

The property

Passive real estate income brings only when " square meters»Rent. But it is not worth counting on millions of profits from the delivery of ordinary residential premises.

I bring data to 2016 from the analytical center of the SRG. The average yield of residential real estate in St. Petersburg is 7.7% per year (payback of investments - 14 years). In Moscow, the average yield is lower: 5.8% per annum at the occupancy of the object at 17 years.

Real estate abroad brings even less - up to 5-6% per annum. The solution of all organizational moments in some cases is better to convey a professional management company. She will look for tenants, solve issues with current repair and payment, etc. For this she will have to "give" 15-20% of the rental cost. But - real passive income!

On the other hand, if you have an apartment for rent, you can try take her daily (mostly foreigners) and thereby increase the yield of up to 10-12% per annum with good download.

To receive income in the currency

Of course, to obtain income in the currency can simply buy stocks or. Thus, you partially eliminate the risk to remain with anything with the next collapse of the ruble. But there are other ways.

Eurobonds

Eurobonds can boast of all the advantages of ruble bonds. Plus have additional protection against currency risks. After all, they are "euro", which is nominated in foreign currency: dollars, euros, Swiss francs and british pounds sterling.

Today, Eurobonds such as AHML, Alfa-Bank, VTB Bank, Gazprom, LUKOIL, MTS, NLMK, NOVATEK, Railways, Rosneft, Sberbank, Fosagro, and Uralkali, Sberbank, Fosagro and Uralkali, and Uralkali, Sberbank, Railways.

The average yield on Eurobonds is 3-6% per annum (paid twice per year). The minimum value of the security begins with $ 1000. The main problem of such papers is liquidity. But about it, somehow another time.

Unit-Linked programs

About Unit-Linked programs. Let me remind you: a foreign product combines accumulation, life insurance and investment. Moreover, you can invest in a bunch of foreign tools, inaccessible to private investors from Russia. For example, in the same mutual funds, where the entry thresholds through broker often begin with $ 50,000.

By the way, since 2013, the Moscow Exchange has been successfully trading, which covers quite most of the markets, previously accessible only through foreign brokers.

For some of them, the average annual yield from mid-2014 to mid-2016 (in terms of rubles) amounted to about 50%. For example, Finex MSCI USA INFORMATION TECHNOLOGY UCITS ETF (US IT sector shares) grew by 49.8% per year.

But the currency deposits today bring in a kopeck (up to 2% per annum). And no one is considered as a serious investment tool.

In this article I brought only part of the tools available to the ordinary investor from Russia. Remember that only collecting from this kind of assets can be confident in reaching the challenges facing you!

And in what assets do you plan to invest in 2018-2019? Subscribe to updates and share links to Fresh posts with friends on social networks!

Content

Any conscious citizen wants to have a stable passive income. One way to achieve this goal is to invest money in profitable commercial projects and get a small profit. Free financial resources can be used to develop business, buying real estate, participation in mutual investment funds or to open a depository account.

What is investing money

Each participant economic System Must strive to increase equity. Investing money in different projects to achieve this goal is called investment. Loan investments are different. They bring income only in profitable projects, and the lender receives interest regardless of financial state borrower. Allocate the following investment instruments:

• bank deposits;
• insurance or retirement cumming programs;
• shares of stock funds;
• the property;
• pouche investment funds (FIF);
• structured banking products;
• precious metals (gold, platinum, silver, etc.);
• hedge funds;
• alternative (art objects, precious stones, jewelry, etc.).

Since what amounts you can start

Methods of earnings directly depend on what capital has a potential investor. To participate in large investment projects A citizen must have a minimum of 2,000 dollars. Similar capital should have people who are going to start their own business. Tool passive earnings At the initial stage of investment can be a deposit. Some banks allow making deposits from 1000 rubles.

How to invest money

A citizen must decide how much tools he is ready to spend for organizing passive earnings. With minimal risks, you can make a profit only from bank deposits. During the year, 10-12% will be added to the existing amount. When using other investment tools, risks are rising. Citizens who do not take into account this factor often lose their own accumulations.

Business plan

The preparation of capital distribution schemes need a citizen if he considers several options for investing. Large investors do not advise in the initial stages to distribute finances between several economic spheres, because A high probability of losing all savings. First you need to highlight reliable financial partners, and then invest money. The business plan should include:

• capital size that citizen is ready to spend for investments;
• the magnitude of the desired profit;
• investment tools that will be used to obtain the goals;
• calculation of possible losses.

Free money

Under this term implies cash that the depositor can use for investment. They are not subject to interest, do not intend to pay communal services and fulfillment of other financial obligations. You can invest free money anywhere. Borrowed fundsUsed for deposits do not belong to this category of assets.

Regular return

Under this indicator implies the amount of funds that a citizen receives for a certain period of time. The profit received from investment is not included in this amount. The indicator of regular returns must be divided into 2 parts. One share of the obtained funds will be used to provide personal existence, and the second is activated in constant capital extension.

Reinvestment profits

All depositors regularly redistribute their capital. This procedure is called reinvestment. A competent approach to the redistribution of assets will help not only save the existing profit indicators, but also increase its own savings. This procedure is used in some banks, where percent percent is added to the open deposit. Daily dividends receive exceptionally large investors. Other individuals are encouraged to reinvest profit every 2-3 months.

Where to invest money so they worked

Free financial resources should not be kept at home without any purpose. Currency courses are constantly changing, which leads to a smooth depreciation of money. You can save assets if you invest them in commercial projects. It is advisable to distribute funds in several industries. For example, if impassions are lost, then the profit received from the sale of shares on the stock exchange will be able to compensate for damages. Most Popular Financial Tools for Inculting Capital:

• bank deposits;
• the property;
• Mutual mutual
• currency Markets and Exchange valuable papers.

Bank deposits

Many people are afraid to invest money in doubtful commercial projects, so they discover depository accounts. The main disadvantages of this method of increasing capital are small interest on deposits. With a bank deposit, a citizen will be able to earn only 10-12% of the initial amount. This is a way of earning is completely safe, because All contributions are insured by the state. Top 5 reliable banks offering the most profitable terms To open deposits, it looks like this:

1. Moscow Credit bank. Customers of the institution can open a depositary account under a high interest rate constituting 9% per annum. Minimum amount Investment -1000 rubles. Money with percent is derived exclusively at the end of the term. In case of early seizure of the contribution, the profit is reset.
2. National Bank "Trust". Annual rate At deposits in this institution is 10% per annum. The deposit amount cannot be less than 50,000 rubles.
3. Citibank. Customers of the institution using comprehensive investment or insurance products can open a deposit under 9% per annum. The minimum deposit amount is 30,000 rubles.
4. Uralsib. Especially for people who have decided to acquire PAI, the institution offers to open a depositary account under 9% per annum. The contribution can not be less than 50,000 rubles.
5. BINBANK. Citizens can open a deposit in this bank in the amount of from 50,000 rubles under 10% per annum. Money is put on the bill for 181 days.

Forex and Forex game

When it comes to where it is advantageous to invest money, some people recall the purchase of shares, bonds and their further sale. Sell \u200b\u200bsecurities on stock exchanges. Citizens who have free money can refer to forex brokers or independently try to create your own investment portfolio. But it is necessary to first examine the basic principles of sales of assets, otherwise the risk of losing all means with PAMM account increases.

Investment in mutual investment

Many financiers on the question of where the usual citizen is better to invest money will answer that it is better to become a shareholder in a mutual investment fund or discover a depositary account in the bank. Closely with piffs on russian market Sberbank, VTB, URALSIB, Raiffeisen and other credit institutions have been working. Individual may invest small money in them or purchase pairs on large amount. Top 5 most profitable impacts of this year:

1. MK promotion from management-consulting.
2. Raiffeisen - Information Technologies from Raiffan Capital.
3. URALSIB Energy Perspective from Uralsib.
4. VTB - Energy Foundation from VTB Capital Asset Management.
5. RSKB is the best industries from the RSKB Asset Management.

Investment of money in real estate

One of the long-term investment options is the purchase of commercial or residential premises. The cost of real estate increases every year. Favorable investment is considered at the bottom of the pit, but it should be noted that customers often disappear residential complexes. Attachments money at commercial real estate will be profitable if a citizen himself is going to do business. Investing money in it for further sale is unprofitable.

Own business

Individuals, asking for what you can invest in, forget about entrepreneurship. Real business begins to bring good income after the customer base is collected. The basis of any profitable entrepreneurial activity is a good idea. If a citizen has developed a detailed attachment plan own funds Due to the production of any unique product or service, it should be investigated to implement these ideas.

Where to invest money under the high percentage

All depositors want to receive a lot of profit. Bank deposits will not help in achieving this goal. Rates on them rarely exceed 10% per annum. Some people start investing all the money in oil or other useful resources, which often becomes the reason for the depreciation of finances. There are many methods that can make a profit, but at the same time demonstrating high risks. These include:

• purchase and sale of shares;
• investment B. foreign currency;
• purchase of precious metals;
• attachment to binary options.

Favorable investments in Internet projects

Increase your own assets not only with the help of banks and hiring professional investors. Huge opportunities for passive earnings gives Internet. The network user remains only to choose projects in which it is worth investing. It is better to advise with a successful investor to reduce the risk of capital loss. A citizen can invest a small amount of money in one of the following projects:

• birja Forex;
• creating your own website or blog;
• participation in Highips or online casino;
• acquisition of the site on the stock exchange;
• participation in the network Internet project;
• opening your own online store;
• in affiliate programs or selling them with the help of contextual advertising;
• binary rates;
• general Bank Management Fund (Offhouses) or Pyp.

What is profitable to invest in Russia

In the territory of the post-Soviet space among all investment instruments, depositary accounts and mutual funds were acquired. Some citizens can try to learn to trade on stock exchanges, giving preference to shares in stable currencies (dollars, pounds sterling, Japanese yen). You can invest any money in real estate. Large profit to their owners bring profits at home. For money in Russia, you can consider the following investment options:

• bonds;
• private lending;
• attachment to websites for partner programs CPA (COST PER Action);
• venture funds;
• attachment in MFA resources (Made for Adsense).

Large sums

Citizens who have big capital, financiers advise to buy precious stones. Inflation practically does not affect this investment tool, because the best way to save money is not found. For the same reason, experts recommend investing in the purchase of gold, platinum and other precious metals. Trust management of financial instruments is a popular way to increase capital. You can transfer our own money to one of the successful traders or a jar offering similar services.

What to invest small money

Real profits The novice investor can get from depository accounts. Commercial institutions willingly accept deposits from 10,000 rubles. The guarantee of protection of depository accounts from bankruptcy is state insurance. You can invest money in the development of sites. Losing invested funds is almost impossible, because The intelligent product is developed under the customer's individual requirements.

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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 life a person feels only when removing decent amounts with bank card, nothing for this does not. 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 must 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.

Shares

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 from the issuer monetary sum. 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 accumulative insuranceIf 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.

No intelligible regulatory regulation Allows you to freely choose the investment game strategy 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

Represent a set of financial instruments proposed by investment and commercial banks For individual categories of customers. 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.

Principle structural product 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!

We all save money. Schoolboy saves a new smartphone, a student on the car, a young family on the apartment (or more often on an initial fee For a mortgage), a vacation worker, and a pensioner for a funeral. And whatever the intense economic situation was, the money somehow go down. Otherwise, where are there so many iPhones and expensive cars?

But most people do not realize that when the accumulated money is lying under the pillow, their number is imperceptibly decreasing. Every night comes the "killer of savings" and steals with us a small part of savings. And the name is this killer inflation.

The official inflation rate in Russia for 2015 is almost 13%. But we know that he is not allegedly understated (it understands the one who remembers the prices of products 2014). The real level of inflation for 2015 was exactly more than 20%.

Thus, all our accumulations are depreciated at a rate of at least 20% per year or 1.65% per month. So, now most of the ways of investing helps not to increase your tools, and at least compensate for inflation.

In such a situation, it is very unreasonable to keep money under the pillow. Any free money should work. But how to put them as reliably and profitable?

Investing is not so difficult.

I think everyone imagine what investment is. When investing, you make your funds work. That is, you put money, counting in the future to get even more money.

But do not forget that investing is involved in risks. Instead of the expected profit, you can get a loss or even lose all your money.

Therefore, the main rule of investment is the diversification of risks. According to this rule, you must smash your savings on the part and invest them in different investment projects.

For example, let your investment portfolio make up 100,000 rubles. Then you need to choose a few investment tools suitable for you. Suppose you have chosen funds, PAMM accounts and betting and HYIP projects. Now you will need to distribute your briefcase between the tools, depending on how ready you are ready to risk.

Suppose you are tuned to moderate risks and distribute the money like this: PIFES - 40%, PAMM-accounts - 40%, betting - 10% and HYIP projects - 10%. Now you need to apply the principle of diversification within each selected investment method.

That is, you will need to choose several different PAMM accounts and distribute your 40% portfolio between them. The same must be done with other selected investment methods.

In order to comply with this rule, you need to use multiple tools that are able to multiply your money. I picked up the 12 best of them for you.

Compare 12 best investment methods among yourself.

I not only picked up the 12 best investment methods for you, but also compared them with each other. For comparison, I chose several parameters, which decided to estimate the 10 point system, where 1 is a lower estimate, and 10 is the highest.

Comparison of the best ways to invest.

The following parameters were selected:

• Simplicity. This parameter characterizes how easy it is to deal with this method of investing, understand the principle, find a suitable company and contribute.
• Yield. The average profitability from the investment will be appreciated here. Most often, this and subsequent paragraphs are interconnected: the more yield, the higher the risks.
• Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
• Input threshold. Shows what minimum amount can be investing.
• Liquidity. Assesses how quickly you can withdraw your deposit, and what losses you are waiting for a premature output of money.
• Passivity / activity - This parameter shows how passive is this type of earnings. That is, 10 points mean "invested and forgotten", and 1 point suggests that to obtain maximum profit will have to additionally spend strength and time.

Of course, all my estimates will be subjective and, I think that many readers will not agree with them.

1. Bank deposit.

Bank deposit is the most understandable and easy way to invest for an ordinary person. Even any grandmother understands how everything works. After all, even in the Soviet Union, in which there was no investment, people kept money on savings books. And one of the heroes of the popular Soviet film called on fellow citizens to keep money in savings offices.

All you need to do to contribute is to choose a bank and come there with a passport and money. What could be easier? Stand 10 points.

At the same time, the return on the bank deposit is not high. At the moment, deposit rates range from 7% to 12.5%. I think this is one of the lowest returns from all ways to invest. Deserves 1 point.

But in the reliability of your contribution you can be sure. Deposits are insured by the state. Even if you plan to invest great amount, In order to insure the fact that your bank will take a license, you can smash the amount into small parts and invest in several banks. In this case, even if the bank is devoid of licenses, and your contribution was less than 600,000 rubles, then you compensate for both the contribution, and interest. 10 points For reliability.

It is possible to start investing with the amount of 10,000 rubles. It's not much at all, so you can put on the input threshold 8 points.

In most cases, you can pick up money from the contribution at any time. But with the early conclusion of money you lose most of the profits. 7 points For liquidity.

This type of contribution refers to the category "invested and forgotten." All you need to do at the end of the investment period is to come to the bank and pick up your money. Well, or prolong the deposit. 10 points.

Pros:

• High reliability.
• Availability.
• Low taxes. It will be necessary to pay 35% of the taxable income tax, which is considered by the formula: all revenue minus refinancing rate.
• Predictability of results.

Minuses:

• Low yield.

Output. This species Investment is rather not in order to increase your money, but in order to somehow compensate for inflation. In any case, if you do not want to risk at all, then this way is better than just keeping money under the pillow.

2. Food investment funds (mutual mutual).

For an ordinary person, investing in mutual impact seems not a very understandable venture. To understand this, try to explain your grandmother at the entrance that you buy PAIs in the Management Company Fund, which invests money into assets.

You also need to approach the choice of PIF, studying the statistics of different funds. After that, you need to go to the office of the company or its agent. For simplicity, I will put 6 points.

The yield here depends on the type of funds and from the approach to the choice of the FIF. The more risky investment makes the fund, the higher the potential yield is expected, but in most cases it is not high. 3 points.

Reliability also depends on the type of fund. At the time when bond blunders are one of the most non-educated investments, investments in venture funds carry very large risks. On average, reliability I would appreciate 7 points, After all, at least you will not be able to lose most of the deposit, as in other investment methods.

The minimum value of the share begins from 300-500 rubles per Pai, which will suit almost everyone. 10 points.

I think most people are investing money in open impacts, so we will only talk about them at this point. From open funds you can withdraw money by selling your pairs for 1-3 business days. Put 10 points.

Still, with this method of investment, you will have to spend some time to manage your investments. Of course, control inside the fund management Company It will do without your participation, but to translate money between PIPs and decide when selling pairs, and when to buy, you will have to. 8 points.

Pros and disadvantages of this method of investment:

Pros:

• A large number of assets in which the Foundation can invest.
• Low input threshold.
• Relatively low risks.

Minuses:

• The ability to get a loss with an unsuccessful choice of fund.
• Relatively complex investment procedure.
• The investor should be interested in the stock market.

Output. With a successful selection of funds and properly managed its investment, the inclination from the deposit overlaps inflation and brings a small income. But it must be remembered that many funds bring losses to their depositors.

3. PAMM account.

Brokerage companies last years Invested so much money in advertising that only deaf did not hear about Forex and about tempting perspectives to become a successful trader. Therefore, it is not difficult for an ordinary person to understand the principle of PAMM investment - to give money to the trader so that he played on them on the stock exchange.

You can find a suitable broker on the Internet. At the moment, Alpari is the most popular. So put 7 points For simplicity and clearer.

Some accounts can bring you more than 100% of profits per year, and some merge all your money. But, when using the principle of diversification of risks, income from this type of investment is slightly higher than in PIFAs and is assessed by me in 5 points.

Risks increase with increasing profitability. When using diversification principle, you will not lose the entire amount of investment, but you can get a loss. For reliability I would put 6 points.

It is possible to start investing in PAMM accounts with a number of 10 dollars. At the moment it is 700 - 800 rubles. The amount is small, so I put 10 points.

You can bring money at any time within one or two business days. Therefore, for liquidity 10 points.

Investment management will have to spend time. If you do not enjoy automatic tools, then in your personal account you will have to go almost every day. After all, the market situation may change very quickly and your managers can make critical errors. Stand 6 points.

Pros and disadvantages of this method of investment:

Pros:

• Low input threshold.
• The ability to independently make an investment portfolio.
• Simple investment procedure.

Minuses:

• It is possible not only to get a loss, but also draining the entire amount of the deposit.
• Investor should be interested in trade in the foreign exchange market.

Output. This is a very common way of investing, which has become popular at the expense of advertising. This way to invest money is more like that people who like currency market Or who has experience trading on the stock exchange.

4. Hyip projects.

This type of money investment is often called quasi-investment. If we talk simple wordsThis is the pyramids that accrue profits from new contributions.

Attach money in these projects is very simple. Many of them take bank Translations and payment through the most popular payment systems. Most often, Highypes have a legend, which explains with gullible depositors, from where the company takes money to pay such high percent.

Make your contribution to such a project via the Internet is very easy. But if you are new on the Internet, it will be more difficult. For the convenience I would put 8 points.

Profit Hyip projects promise just cosmic. On average, long-term Highypes are offered to pay 20-30% per month. Short-term can promise to double the deposit amount in just a few days. 10 points For the promised yield, but in fact she, of course, is obtained below.

About some reliability of deposits does not have to speak. The project may collapse at any time. The 1-2 HYIP project opens daily and the same amounts. Therefore, for reliability I would have set only 1 point.

I think in this paragraph and paragraphs below we should consider only long-term projects. The minimum amount of entry in them begins from 1,500 thousand rubles. 9 points For a low input threshold.

In most projects, it is impossible to return the deposit. It will return to the depositor during the entire investment period with each payment. Therefore, only 1 point.

If you have invested money into one of the Haipov, then you only remain that sitting and hoping that the project will exist and pay. You can not do anything. Fully passive investments deserve 10 points.

Pros and disadvantages of this method of investment:

Pros:

• High yield.
• Comfortable input and output of money.

Minuses:

• Very high risks.

Output. EarnHyip projects can only one who is "in the subject". You need to be able to analyze projects and find those that can bring income. Most people who earn in Haiphas compensate for the loss when investing due to the attraction of referrals.

5. Becking (investing in poker players).

About such a game like poker, almost everyone knows. At the same time, many understand that successful players receive big money for victory in tournaments. But many people know that most poker players play in large tournaments not for their money?

That is, if a strong player lacks money for participation in the tournament, he turns to the investor (sponsor), which receives the percentage of prize in case of winning. The player may also have several sponsors that invest money in the player and receive profit from winning depending on the amount of investment.

To buy a player's share, you can only agree on this on specialized forums. For example, on the forum of this website: PokerStrategy.com. To buy you will need to personally write down with the player. For the convenience I would put 4 points.

The reliability of this type of investment is highly dependent on the choice of players. In addition, when buying a share, you do not sign any contracts and the player can "not want to give you your share for winning. 3 points For reliability.

You can buy a share from 10 dollars. But so cheaply sell only novice players, to buy a share of a professional will need to be investing 200-300 dollars. But still it is better to start with small investments, so I put 10 points For a low input threshold.

There is no such concept as a conclusion. You pay for a share, and in the case of a player getting into prizes, take profit.

After you contributed, you can only wait for a positive outcome. You can not affect anything. 10 points.

Pros and disadvantages of this method of investment:

Pros:

• The possibility of getting a big profit when the player is victory in the tournament.

Minuses:

• More suitable for people who disassemble in poker.
• The transaction holds only on oral agreement with the player.
• Usually, players earn more than sponsors.

Output. Rather, Becking will suit people who are well versed in poker. Ordinary person It will be difficult to choose the "right" player.

6. Trust management in sports rates.

Most people relate to rates on sports, as a gambling game. But professional kapements are much and consistently earn at the rates on sporting events.

Many capers create their PAMM accounts in which investors actively attract. This type of investment is similar to PAMM accounts in the foreign exchange market.

In order to make a fee, you need to register on the platform trust management BetPamm.com and select multiple invoices. 7 points For simplicity.

If you look at the profit schedules, you will see that the leading capers increase funds on their accounts for thousands of percent. Such income must be brought. But on average, the yield from this method of investing is much lower and deserves 6 points.

If you use the diversification principle and invest in several PAMM accounts, then, at a minimum, you will not lose the entire amount of investment due to caper errors. For reliability I would put 6 points.

Investing can be started with very small amounts. For a low entry threshold 10 points.

You can withdraw money quickly and easily. 10 points.

After investment, you will need to follow the selected PAMM accounts to translate money between accounts in case of care of them at a loss or maximum profitability. 6 points.

Pros and disadvantages of this method of investment:

Pros:

• Short-term investment.
• Self-compilation of the portfolio.
• A low entry threshold and the ability to use a demo account.

Minuses:

• The possibility of obtaining a loss or drain of the amount.

Output. This method of investments is very much reminded of investing in PAMM accounts in the Forex market. But it is not so famous due to the lack of advertising.

7. Startups (venture investment).

In recent years, the history of successful startups will rattling from everywhere. Everyone understands how profitable the shares of young companies would be to buy, which would turn into large billionth corporations in a few years.

The first way to invest in startup is the conclusion investment Treaty with a company directly. Some companies actively attract investors on their own, selling them future shares at low prices. An example of such a startup can serve as SkyWay Yunitsky.

You can also invest in a startup using seaming sites and start-up stock exchanges. I have a trust in me, since I consider them Highips (read my ShareInstock review). But many authoritative sources call them real companies. Going on the stock exchange, you will see the past audit and verification of the company in which you can buy a share. You will only need to choose a suitable startup and buy a share in it. For simplicity 7 points.

For the purchase of shares on the stock exchange, the company will pay for you dividends in the amount of from 2% to 7% per month. In addition, the investor can sell his shares if the company will develop and its shares will grow in price. Also, he can sell a share if they lose in price and he will understand that he invested in the Box. For profitability 6 points.

It should be understood that the startups are a risky type of money investment. According to statistics, 70% of them are unprofitable, and 20% of these 70% are simply fraudsters who assign investor money. But from those companies that are in 30% of successful, half breaks in the near future due to internal problems.

One of the ways to invest in startups are seen platforms. Unfortunately, in Russia they are not very developed and the minimum amount of investments through them is quite high. But all companies presented on the site hike a mandatory check. There is also the possibility of investing in startups directly. For reliability 6 points.

The entrance threshold in this type of investment is not high. 10 points.

If you decide to bring money or redistribute them within the stock exchange, selling all or part of purchased shares, then you will need to sell them on the stock exchange at a price below market. The lower the price you put, the faster your shares will buy. 7 points.

For the most profitable investment, you will have to give your time. It will be necessary to track changes in the cost of shares on the stock exchange, selling and buying them. The manager is not here, so everyone will have to do it yourself. 5 points.

Pros and disadvantages of this method of investment:

Pros:

• Comfortable and simple investment procedure.
• Very low input threshold.
• High potential yield.

Minuses:

• High risks with passive investment.

Output. If you decide to invest in startups, it is better to use stock exchanges. You pay about 5% for the output of money, but you will be protected from fraudsters.

8. Currencies and precious metals.

Surely, among your friends and acquaintances there is a person who, with a smart look, claims that money must be stored in gold (platinum, dollar, pound, Jena, etc.). Such an approach says that a person does not understand investment, but simply uses popular "stereotypes".

For example, if you look at the dynamics of gold prices, you will see that since 2012 it depreciated against the dollar almost one and a half times.

If you decide to do without managers and independently buy precious metals or currency to store money in it, this procedure will not be much labor.

You can buy a currency in the departments of banks, or by using the services of brokers (which will be more profitable than buying through the bank). Also you can change currency using online and offline exchange points or payment systems.

Precious metals can also be bought in banks. And to buy gold became possible using the WebMoney payment system.

Also, do not forget about cryptocurrencies, for example, Bitcoin, which will be expected in all forecasts in the long term. Buying these assets will not be labor, so I put 8 points.

Buying precious metals or currencies for long-term investment primarily protects you from the depreciation of the national currency. For many countries with a weak currency, this is a reasonable solution. But the courses behave unpredictably, so the yield may not be. 2 points.

The newcomer is unknown, in which direction will go in the near future, so his attachment is more like a gaming game. Even if people now prefer to keep money in dollars, then what is the guarantee that oil does not rise in price in the near future with the ruble?

Probably, you can protect against the depreciation of the national currency, keeping half of its money, for example, in dollars, and the other half in rubles. So with the fluctuations of the courses you will not lose anything, but also do not earn.

Yield depends on the luck and I would put everything 2 points.

The entry threshold depends on the type of asset and on the method of purchase. On the Exchange 1 lot will cost a minimum of 1000 dollars, and you can change the amounts of several dollars through exchange points or payment systems. So buy currency or precious metals can each. 10 points.

Sell \u200b\u200bcurrency you can also quickly like buy. In exchange points and stocks, this is done almost instantly. Gold is also a highly liquid asset. 10 points.

In general, attempts to influence profits by tracking courses and the subsequent sale of assets already turns you into a trader. And trading, I would not have to investment. Therefore, investing in currencies and precious metals, I understand how "invested and forgotten." therefore 10 points.

Pros and disadvantages of this method of investment:

Pros:

• It is able to protect against the depreciation of the national currency.

Minuses:

Output. Purchase of precious metals and currencies for a novice is a very unpredictable way to invest money. It is possible to reduce the risks and increase the yield can either trust the money manager, or by independently learning the trade in the foreign exchange market.

9. Securities.

I think that most people from securities are familiar with only shares. The most financially competent, probably, will be able to call more bonds. Only units know about how to invest money in securities.

In fact, buy securities are not more difficult than buying currency. You also need to contact large bank or to a broker. 7 points For simplicity.

When buying securities newcomer, profit is under a big question. And, if, when investing in bonds, even a newcomer can count on a small income, the stock market can bring a loss of a novice investor. 3 points For profitability.

Actually, usually low yield attracts and low risks, but not in this case. The risk stock market is high. 3 points For reliability.

You can start investing with a small amount. The input threshold starts from about 1,000 rubles. 9 points.

Securities can be sold on the stock exchange just like you bought. This asset is considered quite liquid. Stand 10 points.

Again, if a person begins to manage his securities independently, he is already turning into a trader from the investor. Therefore, here we consider only passive investment. 10 points.

Pros and disadvantages of this method of investment:

Pros:

• Simple investment procedure and a small entry threshold.

Minuses:

• For a beginner, this is a risky and low-income way of money investment.

Output. If you decide to invest in securities, it is better to turn to the professional manager, which for a small commission will manage your means. Independently investing a novice in the stock market is more like a gamble game than to invest.

10. Real estate.

Among people there is one stereotype: " The most reliable investment of money is the purchase of real estate." But do not forget that real estate include not only apartments, but still different buildings, structures, water objects, forests, etc.

In general, there is some truth in this, because many people want to scatter on an extra apartment to old age in order to rent it and receive a good retirement. And in the case of which you can sell it and get a good capital.

You can invest in a residential or commercial real estate, built or already constructed, country or in the city. Easy investment depends on the choice of real estate.

For investing B. residential real estate will need to turn to the realtor, look suitable options, make up a lot of documents and, perhaps, make repairs. As for me, so the procedure is pretty vigorous.

If you decide to buy commercial real estate, then the troubles are becoming much more. You will need to keep accounting, pay taxes, manage objects, reissue power supply. On average for convenience I would put 2 points.

As for profitability, with residential real estate you can receive no more than 1 percent per month with long-term lease. This is 7-10% per year. The delivery of residential facilities is becoming a job and is not considered.

If you expect some time to sell it more expensive, then far from the fact that prices will grow. In general, I would put for profitability 3 points.

Real estate, indeed, has a high reliability. Unless, of course, this is not a facility.

Even if real estate prices fall, you will continue to make a stable profit from rent. For reliability I put 9 points.

The entrance threshold is high, even if it is a collective purchase of real estate. The minimum amount of investment begins with a few hundred thousand rubles. Put 2 points.

It often happens that in order to faster selling real estate (especially commercial) you have to put a very low price. Sometimes objects cannot be sold within a few months. Stand 3 points.

If we consider long-term rental of residential real estate, then not much will have to spend on management. You will need to be 1 time to find tenants and then take money once a month. 8 points.

Pros and disadvantages of this method of investment:

Pros:

• An understandable income generation scheme.
• High reliability.
• No special knowledge and experience in investing.

Minuses:

• High yield threshold.
• Low yield.

Output. Investing in the living property is understandable to each way of investing money. This method particularly likes conservative investors who do not want to risk.

11. Investing in business.

Early, here we will talk not about investing in creating a business from scratch, but about buying a finished company. Creating a business from scratch is hard work with an unpredictable result. For the investor it is an interest formed business with well-established processes, which brings a stable income.

In order to find a company to purchase, you can use newspapers or bulletin boards. But most often the entrepreneur does not apply to the sale of his child, so as not to cause doubts from employees and customers.

Therefore, they prefer to contact the Brokers companies that will be engaged in selling their business. Also they distribute information about selling among friends and acquaintances.

After you have found a suitable business, you will need to make it an audit to make sure that business processes are normal. The whole procedure for a beginner can turn into an irresistible barrier. 1 point For simplicity and clearer.

Superfreight business is rarely sold, so it costs to count on the middle profitability. Of course, the yield strongly depends on the type of activity and quality of management. Put 6 points.

Many people think that entrepreneurs sell only unprofitable businesses. But actually it is not. The reason for the sale can be: urgent need for money, disagreements between owners, loss of interest, lack of time (especially if there are several types of business in one entrepreneur), etc.

The audit will help analyze the reliability, profitability and promising business. Therefore, the chance of buying an unprofitable asset is very small. Stand 7 points.

The entrance threshold in this type of investment is relatively high. Yes, there are very small companies, but they are far from a penny. Buying a profitable business with well-established cost processes is similar to the purchase of real estate.

Often people are combined into a group for buying a business. For example, several friends and acquaintances are buying a company. But in this case, the input threshold remains high. Put 2 points.

If you urgently need money, then the company can be sold. If your business is a loss, then it will be difficult to sell it or practically impossible. Profitable business to sell easier, but most often this procedure takes a lot of time. therefore 3 points.

If you become independently managed by a purchased company, then turn out of the investor in a businessman. Therefore, you will need to hire an executive director who will manage your business. But in this case, you will have to control it and analyze the company's activities.

Yes, and the selection of the manager you will need to do it yourself. therefore 2 points.

Pros and disadvantages of this method of investment:

Pros:

• Reliable and profitable investment.
• You can choose the business you like and understand.

Minuses:

• Complex procedure for selection and business design.
• High yield threshold.
• It will be necessary to delve into business processes and to some extent to engage in the company's management.

Output. I believe that in the presence of sufficient capital, buying a finished business is one of the best ways to invest money. But it is desirable that you like the type of activity of your company and you have at least minimal experience in doing business.

12. Investing in content sites.

This method of investing money is similar to investing in a business, but with a simpler purchase and management procedure. Again, you do not need to create and promote the site. You can just buy a ready-made project.

The site itself is more tool than the asset. The present asset is an audience that comes to this project daily. The owner of the site receives a profit due to advertising, affiliate programs and other sources of monetization.

To buy a site, you can use the stock exchange. One of the most popular stock exchanges in RuNet is Telderi.ru.In the list of sold sites, you can see all the information on projects: the size of the audience, yield, dynamics of development, payback period, etc.

The transaction is protected and passes according to the rules of auction, where the site goes to the buyer who has suggested the highest price. For simplicity you can put 4 points.

Usually, normal sites are sold at a price of equal income from it for 12 months. That is, if the project brings 20,000 rubles per month, then the fair price for it will be 240,000 rubles.

But in most cases, on such sites, monetization works far from 100%. Thus, after the "twist" of the monetization, the contribution will be possible for 6-10 months. 7 points For profitability.

If the site is made qualitatively and moved only by the "white" ways, then such a contribution can be called reliable. Of course, if you want the project to bring you a profit more than one year, then you need to hold at least minimal work. But, for a year or two projects, there is enough without additional investments. 8 points For reliability.

In general, some sites are sold very cheap. Can be found for 500 rubles. But such sites should not be interested in the investor.

You can buy like one expensive and high-quality site, the same and several medium. Therefore, I do not advise you to start with too small amounts. For the input threshold will put 6 points.

If the project ceases to be interesting or you need money, you can always sell it on the same stock exchange. For it put 4 points.

When buying a site that will bring you passive income, you can make a profit, without doing it during the year or two. But, over time, without administration and updates, the project will lose its audience, bringing less and less income. Put 4 points.

Pros and disadvantages of this method of investment:

Pros:

• Comfortable for each investment amount.
• High reliability of investments.
• You can deal with the development of the project, increasing profits.

Minuses:

• You need to have minimal knowledge of sites and methods of their monetization, or seek help from an experienced specialist.

Output. Investing in content, informational and other relevant sites is one of the best ways to invest. This type of money investment can be easily turned into a business, working on purchased sites and increasing profits.

Which method do you like most?

• • 1. Put money on a deposit
  • 2. Real estate investment
  • 3. Investing in Pyp
  • 4. P2P- lending
  • 5. Investing in someone else's business
  • 6. Investing money to your own business
  • 7. Investing of capital in precious metals
  • 8. How do investments in art
  • 9. Investing in Venture Funds
  • 10. Investing in cryptocurrency
  • 11. Investing in applications for phones (iOS, Android)
  • 12. Investing in groups, publics in social networks
  • 15. Purchase of the payment terminal
  • 16. Investing in yourself
• • Method number 1. Acquisition of shares
  • Method number 2. Microcredit in WebMoney
  • Method number 3. Attachment to web projects (sites, portals, services, etc.)
  • Method number 4. Investing in PAMM account
  • Method number 5. Earnings on dachas and dumart sites (Editor's Choice)
• • Expert Council №1. Deposit in a commercial bank
  • Expert Council №2. Investment in real estate
  • Expert Council №3. Currency investments
  • Council of Expert No. 4. Investing in your own business online
  • Expert Council №5
• 4. Where is the money better not to invest - recommendations
• 5. Conclusion

Forecasts of economists for 2019 (20th most likely also) are becoming less and less consolation. The catastrophic collapse of the ruble, irrational jumps of credit rates in banks, the intense atmosphere in the stock market - all these unexpected news suggest to serious reflections of every Russian.

Everyone thinks about the same thing: how to avoid annoying financial lossesWhat and where to invest your money to earn, save or at least not lose to get a monthly income and that the wave of a financial cataclysm does not swallow money completely, as well as from which purchases today should be refrained, etc.?

But first must first be charged optimism . Think at least that, unlike millions of other people, you have today's free capital. So you have done everything right and you have a chance to get out of youth and from this situation. the main thing - Choose the most justifying investment tools.

What if you want to invest money and earn, and you have no money. To do this, we wrote an article -, there we also described what to do if banks and microloans refuse to give you money.

About the ways of investment of money for the purpose of conservation and increase the following. There you will find expert advice where to invest money during and after the crisis

1. Where to invest money not to lose - 15 ways to preserve capital

Each of the following methods monetary investment Characterized by a greater or less risk. And at the same time, under favorable conditions, each of them is able to provide liquidity and profitability to your capital.

Consider in detail the financial instruments and their capabilities, in which you can invest money today, to consistently receive a monthly income.

1. Put money on a deposit

This method is hardly incremented by saving money at home "under the pillow". It is unlikely that it is generally worth considering a serious investor. It is reasonable to use a bank deposit only as a "transit" point on the way of movement of capital in more solid financial instruments.

1.1 Bank deposit

Invest money in bank deposit is not the most the best way Increased capital, it is more likely to be attributed to the way to save its money.

Any economist will express doubt in the reliability " airbags » bank deposit. After all, in the case of urgent removal of money, you can lose all the thrown percentages. With dollar deposits, banks are generally difficult to part.

If you want to entrust the money of the financial and credit organization for a while, then the most optimal solution will be the distribution of 1,400,000 rubles for various banks. Such a volume of deposits will allow to reliably insure your capital in case of ruling any of the financial institutions you have chosen.

Which banks are better to invest in interest?

Deciding which bank to invest money and where to open a deposit account, get acquainted with TOP 10 leading banks of the country, pay attention to their reliability rating. Well, if the state co-owner is the state. It is unlikely that it is interested in the termination of the activities of its own banks. They belong to their number eg , such "bison" of the Russian financial market, as Rosselkhozbank, Sberbank, VTB and some others.

We present the top 5 banks in which you can safely invest your money under interest.

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

1.2 Deposit on Individual Investment Account

A much more profitable investment tool is the bonds of the federal loan, there are two options here, the first contribution under 13% without taking into account inflation, or under 2%, but with compensation for inflation. In more detail, I tell about this tool in my author online marathon on passive income. Now it can be seen free of charge simply by registering here.

2. Investing in real estate

There is a delusion that in order to start earning real estate it is necessary to have a large starting capital. In fact, there are several options to get all the benefits of investing in real estate having a small amount from 200 to 1 million rubles:

1. Using the principle of the credit shoulder and good debt
2. By participating in the project on the co-investor, when the group of investors will place a delicious asset

One of the principles of investment that Kiyosaki is constantly saying is to use good debts and a leverage. The essence is that for the purchase you only use part of your money, and the rest of the bank under a certain percentage.

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

You acquire a small studio apartment in a new building in a provincial town. When the new building will be handed over (approximately 1.5 years after a pit), it usually grows in price of about 20-30%, that is, in fact, you will get a yield of about 1.5 - 2 times higher than banking.

Option number 2 - You take 1 million rubles and acquire 3 apartments with the use of a leverage (mortgages). For each apartment, you make an initial fee of 10% and the rest pays the bank. So far, the new building is built you pay interest on the mortgage - about 10,000 - 15,000 per apartment or 30 - 45,000 per month on the loan, then at the final stage, come out of the transaction - With this scheme, yield increases to 60 - 100 per annum.

Real Case for Profitable Real Estate:

Acquisition of real estate at the stage of closed sales

The real example of one of our investor Nikolai Mrobovsky - He acquired an apartment with a new building in the city of Gorodets in Nizhny Novgorod region At an early stage on closed sales for 975,000 rubles, after 6 months he sold it in the intermediate stage through the developer's company for 1.3 million) its profits amounted to 325 thousand rubles for 6 months of investment or 33% in just 6 months.

But such projects in the reflection of access usually do not appear, it is better to search for closed meetings and in investor clubs.

Investing in real estate with maternal capital

Investing in real estate in 2019

During the collapse period, the square meters are becoming much more accessible. However, this investment tool requires a professional approach.

In 2019, we recommend considering real estate investment strategies that are focused on obtaining a stable cash flow, and not count on the growth value of real estate there is a high probability that the price tag will be low for quite a long time, and many new buildings risk becoming unfinished

The investment in real estate will almost always save your investments, and with a competent approach to investing in real estate, will increase your investment

Property investment options to obtain stable rental income

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If you are going in the future make a profit due to rental housingthen the most rational acquire now several apartments in the new building a single building or an income home. Rental costs will increase factors such as the location of housing near the subway or railway station, the developed infrastructure of the district, the availability of large preirations, airports and TP.

Having invested in real estate for rent, you can consistently receive a monthly income. (This can be attributed here as a commercial real estate (renting a com. Composition, warehouse, office, etc.), and the living room (cottage (house), apartment, room, etc.))

It is advisable to exercise investment activities With real estate in the most appaude crisis. Determine the same moment when the decline in the economy reaches the bottom, only the true pros will be able. Therefore, enlist the support of such a specialist. It will provide you with the most profitable purchase.

3. Investing in mutual effects

The essence of this deposit is as follows: you trust your capital Foundation, where they are managed by a team of professionals. You pay for the activities of your money managers and are responsible for it. But with all the fact, this is a fairly stable source of average income.

It is important to choose a face with the most popular securities and hoping that the market is not "stormy" from strong oscillations. According to statistics, after the previous crisis, solid pephams managed to return money to investors only in 4-5 years. The most persistent ones were able to accum up to 40 % arrived. (What is a PIF, as well as about other ways to invest money in order to profit)

The essential advantage of this method of investment is the ability to pick up your capital at any time or its share.

4. P2P- lending

We are talking about the so-called social loanWhen the role of creditors and borrowers are ordinary citizens. The monthly yield of such equal lending can reach 50 % . Your customers will be ready to conclude with you insured deals under a month and a half per day.

True, a system that provides a platform for such microloans takes half from each of your percent. However, your 0.70% per day you will have stable. And after a while, withdrawing your deposit, you can earn earnings.

5. Investing in someone else's business

The investment in a foreign enterprise is always risk, especially in crisis time. After all, it is not easy, as some believe, "invested - and forgot," and the percentages themselves "drip". To get profit, you need to be on 100 % We are confident in people who you trust your savings.

In Russia, such "rooms" rarely pass. Any business in us requires personal participation. If you still decide to invest in someone else's firm, do not part with all your money right away - limit some part.

6. Investing money to your own business

Small-scale business is the most faithful tool for increasing investment during the crisis. Of course, at the very beginning not to transfer meetings with risks. However, overlapping the starting line, you can sigh with relief.

It is clear that count on something ambitious on the background of frivation banking activities And the salary arrears are hardly worth it. However, the passion for an interesting business and overcoming difficulties on the road to success guarantee moral satisfaction. (you will find business ideas with minimal investmentswhich business can open at home, etc.)

Business investment is an excellent investment in order to obtain a monthly income. Recommendations Where to start opening a business, see pictures

Good promoted business It is a reliable financial instrument where you can now invest money to receive a monthly income, since it is the business that it will not only consistently generate income, but over time it will provide funds for the contribution to other financial instruments.

1. Try to find your niche in the market with a minimum number of competitors. Do not rush to the "Out", cherished by "other people's hell."
2. Go to the latter trails: use ready-made models and business schemes - less cones from scripting.
3. It is best to start with the implementation of services, especially if the money for the purchase of goods is not enough.
4. Try to do without bank lending.
5. Do not be afraid to start: not the gods of the firm open.

7. Investing of capital in precious metals

This is a proven way to save and multiply your savings. Preciously considered metals going on making jewelry. To such a valuable metal palladium, Platinum, Silver, Gold . They are not on the teeth of inflation, therefore always in the favorite people.

There are several ways to acquire precious metals:

• Buying ingots in banks ( keep in mind You will have to pay a 13 percent tax in case of their implementation (after 3 years, the tax for the sale of property (gold) is not charged)).
• Buying coins from these metals (you can use Sberbank's services - the main supplier of such products). Unfortunately, the cost of coins is initially overestimated with respect to the cost of precious metals of which it is made.
• Acquisition of art and antiques from precious metals.
• Purchase on stock exchanges securities secured by gold.
• Creating a metal impersonal account. In this account, the metals act as a currency. At the same time, a person who has opened a metal account is actually no metals in their hands. In this convention, a huge plus: no need to keep values. The income from the virtual product is possible in the case when the prices for metal begin to grow.

Yield this method The investment of money is also not very high. In fact, nobody will give you gold

8. How to invest in art

This reliable type of investment is not far for everyone. First of all, it is necessary to understand well in art. Then profit from these investments can simply go. One masterpiece of painting or one marble statuette can bring hundreds percent income.

It is clear that no financial cataclysms threaten the cost of ingenious creations. However, it happens to find their true connoisseurs as difficult. Practice shows that by purchasing a true work of art, one can absolutely save money in troubled time. But, as a rule, only 4 masterpieces out of 10 Requires.

9. Investing in Venture Funds

Investment in startups - Innovative projects or enterprises are a matter of how profitable, so risky. We are talking about the introduction of the previously used technical know-how. Statistics indicate that only 2 % Enterprises justify such investments. But the profit from them, as a rule, overlaps the rest 7-8 % unsuccessful investment objects.

The contribution can be done not only by real money, but also promised amounts (Commiters). Profit should be expected in 3-7 years, until financially taught companies will not be on their feet. Most of all the chances of this business in small enterprises created with high-tech industries.

10. Investing in cryptocurrency

Cryptovaluta - This is a new electronic payment facility that has entered into practice on the threshold of the new Millennium. Is different high levels protection. Bitcoin became the pioneer, the remaining 150 of its "clones" followed it.

Today, cryptocurrencies become real competitors with familiar money and significantly affect the global economy. Ebay and Amazon are already working with cryptural considerations.

Of course, like any innovation, cryptocurrencies have not yet have a large sphere of distribution. However, in the fact that many experts believe them. Their main argument is the complete impossibility of inflation of a new type of money.

11. Investing in applications for phones (iOS, Android)

The most profitable thing - Extract profits from applications that can provide real help. No less profitable to invest in applications, aggregating useful information A certain topic.

Free applications, distinctive feature of the use of which are selling anything.

12. Investing in groups, publics in social networks

Public Networks - One of the most common online messages of our days. Some are trying to earn in public, although it's a rather risky - since there are a lot of fraudsters and schoolchildren who have come for light money on this field.

The main thing is to be a megaactive performer. If you feel like that, success is provided to you. Special investments this activity does not require. Just enough at the initial stage a little to upset. And in the future, the number of subscribers can be increased by exchanges.

A large role in this business is given to the content of a public, more precisely, its quality. You need to be able to choose and the topic, interesting for the wide audience. The relevance of the subject will attract a lot of advertisers. The most popular and maximally monetized belongs include publics affecting the problems of money, success, sex relationships.

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

15. Purchase of the payment terminal

Payment terminals are currently serving millions of people. The range of options for these software complexes is constantly expanding. Use them implies a fairly high commission. Having bought a few such devices, you burden yourself only with one concern - to take money on time.

16. Investing in yourself

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

Do not regret money on the "Smart" books, useful seminars, seld trainings, valuable info products particularly in investment and earnings courses . They will become your landmarks in the ocean of money flows and investment water films. They will teach you to bypass underwater stones and avoid chally. With their help, you can quickly filter out unnecessary, inefficient methods of earnings.

Capital acquired in this way will always be with you. No one and at no circumstances take it from you. He does not threaten any force majeure, no crises. This is the lowest and at the same time the most profitable type of investment. After all, he is not just a riskless - he is anti-grade. Any investor can only dream of a similar combination.

Without self-development construction investment business Doomed for defeat. Attachment - This is a powerful ideas generator and a unique success catalyst.

Before you decide where to invest money under a high percentage with a guarantee, it is necessary to understand what attachment is a difficult task, since the guarantee implies low risks when investing. The activity itself (investment) is a risky business, so in any case, where high yield (high percentages) are present and high risks.

2. Where to invest money to earn - 4 methods of profitable investment of money

Fatal error - unforgivable luxury for the investor. Especially in crisis time. Therefore, experienced financiers know: reasonable investment has nothing to do with the fact that the people are called "Crying with hot."

And one more taboo of the investor: he never reacts to the randomly found on the Internet of the Revelation of any unknown "Trader-Inventor" Vasi Pupkin.

Basic rules of break-even investment

1. Until you experience, use only free funds for deposits.. These are not related to someone's money borrowed, bank loans. Investing is always associated with risks. Do not deprive yourself the last penny.
2. Do not invest in the last money
3. Take care of passive income, regularly postponing part of the salary.
4. Keep in mind "Light" money (won or inherited) have a property as easy to leave: they are not sorry, they are not earned. They will need to be especially restrained.
5. Do not back down from your investment plan.
6. Thoroughly study every niche of your investments, relying on the advice of competent people who have achieved real results and sincerely want you success.
7. Start learning to invest right now, just as you when the school was studied from or physics, most people remain poor only because knowledge determine success in any business - especially in investing.

Consider the main ways to invest in a high percentage with a guarantee.

Investment - This is a risky investment of capital in order to receive income. Therefore, no one will ever give warranty that you will receive income from investment. In each form, investments have their own risks, in some risks are large, in others less.

Method number 1. Acquisition of shares

Buying securities can be a source of stable earnings. After all, becoming a shareholder of a solid company, one can count on regular dividends. But this investment instrument needs to be worn thoroughly. It is impossible to hope only for good luck, although in history stock marketOf course, there were cases when for several years the price of the shares "took off" to dozens of times.

However, unaffected stories happen more often with the loss of all investment. In order not to go out, it makes sense to charge your savings to the professional trader with the inspiring trust history of profitability.

Method number 2. Microcredit in WebMoney

This payment service Provides an excellent opportunity to earn on microloans. Calculate the amount of the amount of charge and interest you can independently. But it will be not easy to return the loan from the Internet scammer.

So risks with such online investment are quite high. Experts recommend to acquire a numerous clientele and issue small sums. And you can check the absence of claims to a virtual borrower by its account.

Method number 3. Attachment to web projects (sites, portals, services, etc.)

The advantages of Internet attachments include the following:

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

Now consider the features of various types of investment in sites:

1. Investing cash under the CPA-affiliate

The essence of this method is that your remuneration you get for a certain action on the site, namely: registration in the game, purchase of Product, application for tour, registration of credit card. Such affiliate programs are needed to promote any selling resource. At the same time, each affiliate decides its specific task.

For example, you are instructed to create a web page of landing by bank cards. You describe several sentences, after which you give affiliate links. If the application of the user of your page is approved by the Bank, you are remuneration, let's say, 1500 rubles (payment for each application is determined by the working conditions in a particular bank).

The difficulty here is alone - catch up traffic. However, in case your efforts have emerged, such affiliates may be very profitable.

2. Investing cash in MFA sites

This time we are talking about resources aimed at receiving income from contextual advertising. Superballa Navara from this type of earnings is unlikely to wait. However, he has one very big advantage - the ability to almost immediately install the advertising unit on the site. (For example, ADSENSE blocks or blocks (Yandex advertising network))

This means that the site will start making money almost from the first day of its existence. The level of profitability is greatly determined by the subject of the site.

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

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

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

True, at the current stage of development of search engines, the income from this type of investment has a significant asked. Some even stopped making a bet on it, after analyzing the loss of income dynamics.

The main disadvantage of such monetization - after it, the site can be confidently written off in the pit. search engines They can impose sanctions on web resources and then the project attendance will fall, respectively, and income from sales of references too. If the site earns a similar "unclean" method, a large amount of traffic for "clean" income methods (contextual, banner advertising, etc.) You do not see.

Method number 4. Investing in PAMM account

This kind of investment in Forex becomes more and more attractive today. The deposit amount may limit the total 500 rubleswhich contributes to the growth of PAMM popularity. The mechanism of this method of investment is to transfer cash savings into the management of a professional trader. This practically eliminates non-trade risks. (We recommend reading - how to trade on forex marketWhere to start the game on the Forex Stock)

The security guarantee of the interests of the depositor is the presence of capital accounts in the PAMM account. The latter is allowed only to make transactions on the account without removing the principal money from it. The depositor can always follow online over the course of transactions or view the history of their commission.

Big plus PAMM investment is the ability of the depositor fully dispose of your means Introducing and withdrawing them at your own discretion. The investor can also diversify his money by placing various traders on PAMM accounts. You can also make trade operations yourself, copying the transaction of experienced traders.

Method number 5. Earnings on dachas and summer cottages (choice of editorial)

Conscious today is one of the most undervalued markets and that's why:

1. Now it has become fashionable and beneficial to relax in Russia
2. At dachas now you can register
3. You can live on dachas all year round and connect all the necessary communications
4. Transport accessibility in big cities has grown significantly
5. The cottage market has not yet played new conditions and there are practically no competition on it, while those who wanted to buy a house for a weekend or for vacation every day more and more

Look at the lesson from our expert - Anton Muragin, who just specializes in this special form of real estate:

3. Where to invest money to receive a monthly income - 5 expert councils where to invest money

2020 in Russia promise to be the years of tests for all citizens, including investors. So, he did not have a ruiner for you, experts in one voice call not to keep savings at home. For the year they may depreciate 10-15 % , and even higher.

It should also be followed by forecasts of experts and advice of experts in a wide variety of sectors of the economy and, of course, rely on their sixth sense.

Where is more profitable to invest now? What investment recommendations are experts in 2019? In which areas of investment are now, in their opinion, minimal risks for the placement of funds? Where to invest in order to receive a monthly income?

Expert Council №1. Deposit in a commercial bank

This financial instrument is recommended for this compatriot in our compatriots, first of all, to the one who seeks to multiply their capital, but only to protect it from the depreciation.

In the 2020s, the level of inflation in the country will reach 13% - 15% (Ministry of Economic Development predicts inflation at the level of 5-7%, but it all depends on the state of the economy and can safely assume that inflation will reach the above-mentioned 13-15 percent) . Meanwhile, the percentage of deposits in the national currency is an average of 10-13%. Thus, interest payments in banks must overlap the cheaper money.

However, giving your accumulations for storage in banks, you need to take into account two important points:

1 . By choosing a deposit program, give preference to the most solid and stable financial and credit institutions. Today, the first positions in the ranking of reliability are such major financial institutions as Sberbank, Gazprombank, VTB, FC discovery and Rosselkhozbank.

2 . Before you open a deposit in Finachery, you need to clarify whether it is a member state program insurance deposits. Upon receipt of an affirmative answer, you can open an account without fear, making it up to it 1 400 000 rubles : Such a deposit is considered insured, and, in the event of a license bank loss, will be guaranteed to be returned.

Expert Council №2. Investment in real estate

Executive experts find that investments in residential buildings in 2019 are long-term investments. Now many industries have already begun to play cutting racks of the course and prices reached up, real estate is still holding off, and many developers and private traders give good discounts.

But if you know how to wait, then such an application will be optimal. After a couple of years, prices will rise again, and you will become the owner of a decent profit.

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

• Not now to invest (buy) commercial real estate.
• Housing is desirable to acquire in small but perspective cities: It is they will become the "first swallows" in terms of rapid development in the post-crisis period.
• The ideal option is to get one- and two-room apartments: They are easy to surrender even in the crisis; In addition, they are considered The most liquid variety of real estate.
• To successfully sell the house at the end of the crisis, it is often necessary carry out repair, worry about finishing workswho give the room an impressive and respectable look.
• Solid investors can consider proposals in foreign real estate markets. Today there is a rise in prices in the markets PRC, Thailand, Morocco, Brazil, Malaysia. Moreover the cost of housing in the listed countries is not much higher than in the Russian market.
• If you do not feel confident enough in this area, hire prof And pay well to him. The financial assistant will warn you from many risks, will achieve valuable information for you on promising construction sites located in micrarodes comfortable. With this advisor you definitely do not lose.

Expert Council №3. Currency investments

This type of investment is considered recognized in the world's income in the context of the crisis economy. Experienced depositors may receive good income in a few weeks, translating money from one currency to another. (We recommend reading --)

However, currency investors need to take note of the following information:

1. The one who is ready to risk can make traditional contributions to dollars and euros: the cost of these currencies will vary depending on the price fluctuations in the oil market and the scenario on the global political arena. The main thing is to conclude contracts, track forecasts.
2. More conservative depository group need to give preference more stable currencies - Swiss franc, chinese yuan or pound sterling.
3. Perspective is considered to be acquired now euro and dollars For the purpose of selling them next year, when the exchange rate is expected.

Council of Expert No. 4. Investing in your own business online

The most profitable case in the context of the current economic problems – conquest of virtual space . Production of goods, as well as the provision of services - extremely risky enterprises at today real market. Therefore, experts advise to invest (invest) money in Internet projects.

Own Internet project can be created in various versions:

• in the form of an online store that implements widespread goods;
• in the form of a personal blog or forum providing users with paid services or consultations;
• in the form of an information portal, which allows for posting announcements and advertising banners of third-party organizations and individuals.

It is best to order a website and its promotion of IT professionals, and then constantly fill it with high-quality content and relevant offers. Unlimited network activity with territorial and temporary framework is the best prerequisite for its profitability.

A rather profitable option is an investment of capital in profits.

Other options for reasonable investment in 2019, according to experts, are:

• investments in the PAMM account;
• own currency reserves
• investments in the shares and bonds of "blue chips";
• but we emphasize - the most stable and interesting real estate remains

These are typical pyramids like the infamous MMM. Crazy baryrs - up to 3% of profits - only their creators shine here. Life expectancy of such a pyramid - from year to pair-triple months.

Another solid adventure is online casino. To win a big money in it has not yet been able to win, but to merge all the capital is quite real. Fraudulent scheme of online game is built on the inability of a gambling person in time.

If you do not own yourself, it is better not to have any affairs with any real or virtual passes. Do not seduce with "free cheese": The pursuit of it always ends with a click of the door of the mousetrap.

"All or nothing" - binary options

So sometimes called binary options. This investment tool either gives a fixed amount of profit, or does not give anything. It all depends on the execution by the participant of a certain condition at a certain time. Here you can buy a huge capital, and you can lose it.

If you do not understand the marketing theme, then Fortuna you can hardly smile here. As a fish in water on a binary option, only the "Aces" of the currency sphere, capable of predetermining the potential risks of the transaction feel. What is binary options and how to make money on them.

Binary options are a highly adjacent financial instrument, but where there is a high risk - high profits

If you still wish to try yourself in trade binary optionsWe recommend that you choose a reliable broker, which provides its services for many years. For example, here can be attributed to the company IQOption.

5. Conclusion

So, you learned about the most popular investment methods during the crisis and got acquainted with the opinions on this authoritative experts. Now it's about you. After all, it is decided to investigate the money (your accurate capital) - you just need you. There will be a burden of responsibility for the decision.

What can be done right now:

• and find out how to purchase apartment house on money bank and get stable from him cash flow from 100,000 to 300,000 per month
• Go to a three-day online marathon - Like creating passive income and generate profitable ideas.
• Read the article Andrei Merkulov -
• Read the article - How to make money on an apartment in Moscow for 2 months

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