Where to invest dollars? Investments in foreign currency. Lost in translation: where to invest foreign currency savings Where to put euros at interest

Everyone remembers 2016, when the euro literally skyrocketed. Combined with the equally rapid devaluation of the ruble, the temptation to open a deposit in euros was great, and interest rates were also quite high. And although at present the conditions for foreign currency deposits have noticeably decreased, the euro is still quite popular. We have prepared for you an overview of the most profitable offers for deposits in European currency today.

SETTING PRIORITIES

When the euro reached 47 rubles per unit in the crisis year of 2009, we thought it was a record. And at the beginning of 2016, the euro exchange rate reached almost 100 rubles; now 1 euro costs approximately 70 rubles, and exchange rate fluctuations, albeit minor, continue. Currently they have decreased significantly. It would seem that opening a deposit in euros is no longer profitable, but foreign currency deposits are still quite popular.

In addition, we should not forget that Europe is pursuing a soft monetary policy, which negatively affects the euro exchange rate (at least against the US dollar and other “hard” currencies), and the Russian economy is completely stuck in tension. Forecasts for our country vary - from relatively harmless stagnation to default. The situation with the global foreign exchange market is even more uncertain. Therefore, we do not recommend rushing into the pool headlong. The desire for great profit is always a risk.

The catch is that the most reliable banks in the country () offer the lowest interest rates. Currently, the Central Bank continues to clean up credit institutions. Therefore, if you have a substantial amount of money and you want to store it in euros, then determine for yourself what you want to get from the deposit. Are high interest rates important to you, or would you prefer to play it safe and give up high rates in favor of the reliability and stability of the bank?

If the latter, then it makes sense to pay attention to the largest organizations that meet the criteria of systemically important banks. Their interest rates are so-so, but systemically significant - these are the organizations on which the country's banking system rests. If one of these banks falls on hard times, the state will, by hook or by crook, keep the institution afloat, not allowing it to go bankrupt. This will automatically ensure the safety of your savings.

If you still count on higher interest rates, then you will have to go to less popular places. We are not saying that these are unreliable organizations. They also exist for 10-20 years and have a strong hold on the market. But if one of them goes down, no one will save her. But in our country there is a deposit insurance system. If your bank fails, the government is guaranteed to return your lost savings. However, the amount of compensation is limited - up to 1,400,000 rubles.

It follows from this that if you do not want to be left with nothing, but want to get a favorable interest rate on your deposit, you will have to divide your savings into parts and open deposits in different banks in amounts not exceeding 1,400,000 rubles.

For greater confidence, you can choose a multicurrency deposit, which opens in several currencies. As a rule, in three. During the entire term of the deposit, you will be able to freely convert currencies, if this is appropriate given the current market situation. This way you will protect your money from devaluation and will be able to make money on the difference in rates.

We will tell you both about the conditions of the most reliable banks in the country, and about the conditions of other banks whose rates are more interesting than those of the leaders. The decision is yours.

MOST RELIABLE

Currently, the Central Bank of Russia list of ten systemically important banks includes: Sberbank, VTB, Gazprombank, Unicreditbank, Alfa Bank, Rosbank, Raiffeisenbank, Rosselkhozbank, FC Otkritie Bank, Promsvyazbank. Let's talk about some of them.

Promsvyazbank

Rates are given taking into account capitalization. If you open a deposit, the interest will be higher by about 0.25 points.

Gazprombank

Contribution	Duration in days	Bid	Min. amount(€)
Gazprombank - Savings
Gazprombank - Pension savings
Gazprombank - Investment income*
Gazprombank - For life
Gazprombank - Business

* The Gazprombank – Investment Income deposit can be opened subject to investment in a mutual fund.

Raiffeisenbank

Currently, Raiffeisenbank offers only two deposits in European currency:

Other banks

Of course, Promsvyazbank, Raiffeisenbank and Gazprombank are not the only ones in the “best” category. In addition to the above list, according to the Central Bank, the following organizations can also be considered quite reliable: Bank of Moscow, Rosbank, Citibank, Otkritie Bank, Bank St. Petersburg, and the ultra-reliable Sberbank of Russia stands apart...

Conditions for deposits in euros in most of the above-mentioned organizations roughly correspond to the conditions in Promsvyazbank, Gazprombank and Raiffeisenbank.

Renaissance credit

INVESTTORGBANK

VERKHNEVOLZHSKY (MOSCOW BRANCH)

MOSKOMMERTSBANK

Tauride

BCC-MOSCOW

Don’t forget to check out the most advantageous offers from banks that are relevant today:

Current as of March 2018.

The difficult economic situation is stimulating demand for time deposits in euros. Against the background of the Russian ruble, foreign currency looks much more reliable and enjoys the stable love of investors, despite the low rates offered by banks. In the article we will talk about where it is more profitable to open a deposit in European currency, and what interest rates the largest financial organizations in the country offer their clients.

What do leading banks offer?

– this is the highest percentage and the opportunity to get maximum income. An account can be opened for a period from 1 month to 3 years in an amount of only 100 euros (the low amount is one of the main advantages of Sber over its competitors). Interest is calculated every month and can be withdrawn or added to the principal amount. The maximum rate is set not for 3, but for 1-2 years, the most favorable conditions apply to clients who invest at least € 20,000.

It is slightly inferior to the previous program in terms of profitability, but allows you to make additional contributions. You can deposit money for a period of 3 months. Interestingly, when moving to the next amount range, the rate automatically increases.

The lowest interest rates are charged on the euro currency, but it is suitable for investors who want to withdraw money and replenish their account. It differs from other programs in the high amount of the down payment (€ 1000) and the increasing rate (subject to the conclusion of an additional agreement). Even with the maximum placement amount, the maximum bet is not encouraging.

At VTB 24, the minimum deposit amount is the highest - 3,000 euros, a deposit can be made for a period from 3 months to 5 years, accurate to one day, the interest calculation scheme is similar to Sberbank. ", judging by the name, is the bank's most profitable product. Opens for a period of 395-545 days and for an amount from € 50,000. If you want to replenish your account, then the “Accumulative” deposit is suitable for you, but the interest on it is slightly less - 0.10% -1.92% per annum. The most flexible conditions apply to the “Comfortable” deposit with the possibility of replenishing and withdrawing funds.

Alfa-Bank offers a large selection of deposits in European currency. The minimum placement amount for all deposits is € 500, the period ranges from 92 days to 3 years. Investors can receive the maximum income for an amount of € 120,000 and a period of 3 years. Monthly interest withdrawals are allowed on the “Premium” deposit, but due to the lack of capitalization, the rate is reduced.

With an individual term and the ability to replenish and withdraw funds, you can earn the maximum percentage in 365-549 days. “Premier” with an increasing rate is suitable for clients who want to make additional contributions and save money. The maximum placement period is 1 year.

Despite the large selection of deposit programs at Rosselkhozbank, I would like to focus on basic products. The bank's programs are characterized by a low placement amount (from 100 euros) and flexible terms for the calculation and payment of interest. Income can be received at the end of the term, withdrawn monthly or added to the principal amount, although the size of the rate will depend on this.

The “Classic” deposit allows you to receive maximum income provided that interest is paid at the end of the term and the deposit is issued for a period of 1095 days. The “Accumulative” deposit with an increasing rate upon replenishment allows you to receive significant income if you place more than 30,000 euros for a period of 730 days. The “Managed” deposit has the lowest rate with a minimum balance of 15,000 euros, but the client can withdraw money and replenish the account at a convenient time.

It is difficult to get a good profit at Raiffeisenbank, but the maximum income is accrued on the “Personal Choice” deposit with monthly capitalization or interest payment to a separate account. Deposit replenishment is allowed. With a minimum amount of € 3,000, the interest is the lowest. The “Freedom of Action” deposit with an individual term is suitable for clients for whom it is important to have access to money. The minimum placement amount is also the minimum balance and is € 3,000.

How to get maximum profit?

We have reviewed the conditions presented in the country's leading banks, and now let's analyze the profitability of deposits with maximum rates with an placement amount of € 10,000 for 1 year, taking into account capitalization. On the “Save” deposit from Sberbank, the profit is 85.33 USD, on VTB 24 on the “Profitable” deposit - € 80, because a higher rate is set after 395 days, and on the “Victory” deposit from Alfa-Bank - 222 euros (this is the most profitable product of all presented). As for Raiffeisenbank, here for 10,000 USD. income is € 40.18 - this is two times less than that of VTB 24 and Sberbank.

Is it possible to get a higher income?

Let's not deny that interest rates in the country's largest banks are not the highest; many credit organizations offer more favorable conditions. However, you should not mindlessly chase high income, because, despite state deposit insurance, you can spend a lot of time and nerves getting your money back. Therefore, when deciding where to open an account, pay attention not only to the interest rate, but also to the reliability of the bank. Below, for comparison, we will consider deposits in euros with high rates offered by other credit institutions.

At Arksbank you can open the “Profitable+” product in the amount of 3,000 euros. The rate does not depend on the placement amount and for a period of 367 days is 5% per annum. Account replenishment is allowed, and interest is accrued every three months. They can be withdrawn or added to the principal deposit amount.

A “classic” deposit from Baltika Bank is issued in an amount from 50 euros, the rate reaches 4.4% for a period from 181 days to 732 days. It is possible to replenish the account, and interest is paid at the end of the term. And in Interkommerts Bank, under the “Maximalist Plus” program, you can receive an income of up to 4.50% per annum when placing more than 20,000 euros for a period of 367 days.

At Renaissance Bank, the “Classic” deposit accrues up to 4.25% for a period of 367 days and an amount of € 40,000, but even with a minimum amount (500 USD) there is a decent rate of 3.75% per annum. In Moskommertsbank, for the deposit “On favorable terms” the amount of the first payment is only € 300, the rate is also quite high - 3.50% per annum and replenishment of the account is allowed.

Home Credit Bank offers to issue a “Profitable Year” deposit for 12 months in the amount of € 100, with the possibility of replenishment and a rate of 3.56% taking into account capitalization. At the moment, this is one of the most interesting offers due to the combination of flexible conditions, a small amount and a fairly high rate.

How to make the right choice

Our review showed that systemically important banks offer rates that are an order of magnitude lower than the average credit institutions. At the moment, they do not need an influx of fresh currency, especially against the backdrop of a massive decline in the issuance of foreign currency loans.

As for deposits in European currency, in our turbulent times, the priority for most depositors is not the amount of interest, but the reliability of the bank, which is why Sberbank, VTB 24, Alfa-Bank and Rosselkhozbank are the most popular and do not suffer from a lack of clients. The main advantage of Sberbank and Rosselkhozbank is the small amount of the down payment and flexible conditions, VTB 24 has a higher profitability, but a large placement amount, and in Alfa-Bank you can get the highest profit with a small down payment.

Finally, I would like to say that when making a deposit, it is necessary to take into account not only the maximum rate, but also the ratio of the possibilities of the deposit with the interest that is accrued on the desired amount and period of placement of funds.

Hello, dear readers of the financial magazine website! Today we will try to answer the question “Where to invest money”. After all, the difficult economic situation in the country’s economy makes us constantly worry about our own financial resources.

Therefore, we are constantly faced with many questions, first, where to invest money, to save and not lose, then where to invest, to earn money, to receive monthly income etc.

Detailed instructions: where to invest money so that it works and brings monthly income

If there is even a small amount of accumulated capital, then there is a real fear of losing it. That is why we are trying to be more literate in matters of investing money, exploring various profitable investment opportunities.

Of course, many of us are far from politics, the big economy and government methods of management, but this does not deprive us of the opportunity to study the experience of successful people, review expert advice, determine the best way to invest money to generate income. Such a detailed review of the situation will help determine the most profitable area of ​​investment money at the moment.

From this article you will learn:

• Where to invest money in 2019, so as not to lose— expert advice;
• Where to invest money to earn money (so that they work) at a high interest rate with a guarantee - the basic principles of investing money;;
• Let's look at where you can invest money in Russia + real ways to invest money depending on the amount of money.

Rules for investing money

1. Where to invest money so as not to lose - 5 basic rules of investing 💎

So, how to invest money so as not to lose it and what needs to be done to make it work and generate income? On our website we present the site 5 rules of investing which need to be taken as a basis. They will be a kind of " reference book”, which will help you take the most correct actions to preserve and save money.

These rules were developed through acquired experience and have proven their effectiveness over many years.

Rule #1. Free money

This is the first rule, which states that only those funds that are available after fulfilling all basic obligations and needs can be invested (invested), that is, we are talking about those not taken on credit/debt, etc.

Never take money to invest on credit or duty. It is worth understanding that a subsequent unsuccessful investment can lead to bankruptcy and limit the possibility of returning funds at the appointed time.

In addition, an incorrectly calculated economic budget for your own family will cause additional difficulties for you. After all, sometimes everyday problems that arise require an urgent solution.

Remember that personal loans, credit debts can not only rewrite your good history, but also ruin the relationship with close relatives, obligations to whom will remain unfulfilled.

But if you still decide to use a loan, then our article about how, even with a bad credit history, will help you.

Rule #2. Regular income

When investing your own money, it is important to realize that you can only count on the money that you manage to earn in the usual way, without resorting to the results of investments. We have already written in the article about where you can earn money without investments.

Divide these income items into 2 parts, one of which constantly increases capital, remaining untouched, and the second provides personal existence and is replenished monthly from stable sources.

Rule #3. Investment plan

Draw it up in advance, defining clear parameters. Consider all your possibilities and methods, try to choose 2-3 types of investment. At the same time, it is important to understand that the actions you plan can be adjusted taking into account the changing economic situation in the country. That is, the investment plan must be flexible and relevant.

Try to ensure that all available funds are not invested in one single project (investment method). Investing money in several projects will be most effective. Even if in some area it is not possible to achieve profit (there will be a loss), then other types of investment will correct the situation.

Rule #4. Don't waste your profits

This rule says that the money you earn should form and increase your capital. Many experts advise to quickly withdraw the money earned from investing in other investment objects.

Form your own investment portfolio and look for the most profitable new sources of investment.

Rule #5. Control your money

Try to take an interest in the movement of your own funds and assets as often as possible, paying attention to even minor nuances. This will allow you to avoid many mistakes and problems, and will also allow you to make the right decisions on investing your money.

In addition, you should be very careful about dubious And super profitable investment proposals. Carefully check all possible information on these types of investments.

It should not be forgotten that cases fraud have become significantly more frequent and it is not always possible to immediately determine the veracity of a company’s/person’s intentions.

Make inquiries about the company that plans to cooperate with you. Look through various reviews online and study the experiences of other people who have a history of investing in it.

Try to make preliminary calculations, pay attention to the totals. Too fast and high profits should alert you.

By remembering these simple rules, it will be easier for you to navigate your own capabilities. It is worth understanding that only a thorough study of the situation and the proposals received will help you become a more competent investor.

We are used to trusting the words of our friends, parents, and relatives, but the situation changes daily and yesterday’s profitable investments can result in today’s risk of loss. That is why you should count on your own financial literacy .

According to experts, the income we receive monthly must be divided by 3 components:

• main- This is the money that is spent on buying food, clothing, and paying rent.
• cumulative - it is approximately 10% from the amount received. Here, expenses are expected to purchase a car or go on vacation.
• working– the entire remaining amount, which can be disposed of at your own discretion. It is this that is the source of future investments.

As you can see from the diagram, there is little money left for investment, but it is this money that can increase significantly with the right approach.

Even if a situation arises in which you come across a very profitable project, but you don’t have enough of your own funds for it, try to find other investors/co-investors. By joining forces, you will create a common fund, which in financial language is called pool, thereby giving a start to the business itself to obtain higher interest rates.

These situations are not uncommon and people very often strive to find like-minded people who have a reserve of money. The general idea can provide incentive, and the capital collected can provide a good return.

2. Where to get money to invest it profitably - tips 📑

Sometimes it seems that the word itself Investment“implies a large financial sum that is difficult to find immediately. (Our article “” will help you). That is why we try to put banknotes in a box, keeping them at home until better times.

In fact, this position incorrect , because any free money should work for you, attracting new financial resources. If we talk about such a method as preserving and increasing capital with the help of a bank deposit, then the initial investment amount can be 1000 rubles.

It's important to just choose the right one bank deposit and the terms of its use. Read about what they are in a separate publication in our magazine.

Yes, currency purchase, precious metals, art objects, and even more so own business will require a more significant amount from you. But here, too, there is a way in which you can gradually collect the missing finances.

Firstly , teach yourself to save. Try to shop wisely, creating your own benefit. We recommend reading the article - + expert advice"

And secondly , save monthly10 % from the income received for preservation. Thus, you will create a clear structure for the distribution of funds and in a few months you will achieve your intended result.

Profitable ways to invest money so as not to lose, save and earn

3. 13 ways to invest money so that it works and generates income 💸

Let’s try to consider the most current options for investing your own money, identifying their advantages and disadvantages.

Method number 1. Bank deposit (which bank is better to deposit money at interest)

This is the most common method that is available to anyone who wants to invest their money. Its whole essence is that an agreement is concluded on the basis of which all the funds you deposit are not only saved for a certain time, but also multiplied according to the specified rate.

The investor (depositor) acquires confidence is that he will receive income, the amount of which can be calculated in advance. This method of working with money is beneficial for both parties.

Method of investing money No. 1 - deposit

You By replenishing your deposit, you work to increase it, and bank, taking funds, carries out a lot of operations that give him his own benefits.

So, your contribution is under 10% given for a loan with debt obligations to another client in 20 % and, exactly one year later, the returned money will make a significant difference (income) to this institution.

You can choose the most optimal deposit for yourself either independently or with the help of a consultant, who always focuses on the offers that are relevant at a given period.

Another significant advantage this method can be called deposit insurance, introduced recently in connection with the regular bankruptcy of credit institutions. Now your contribution is equal to 1,400,000 rubles subject to compulsory insurance, and therefore subject to return in any case by the state.

That is, if your investment amount exceeds this specified threshold, then you can split the money using the services of several banks.

Despite these positive aspects, there are also significant minuses . Thus, initially the smallest percentage of all investment methods is set for invested funds and can be from 0.1% to 9%, which varies depending on the terms of the proposal put forward.

In addition, the unstable financial situation in the country leads to constant depreciation of funds(inflation). But, even in this case, your small profit will allow you to avoid significant losses, keeping your capital at the same level.

Which bank is better to put money at interest in 2019 - expert opinion

When deciding for yourself which bank is better to invest your money in and where to open a bank account (deposit account), we recommend that you familiarize yourself with the TOP- 5 banks in the country, paying attention to the reliability rating of these banks.

The bank is more reliable if the main shareholder (controlling stake) is the state. It is unlikely that the state will be interested in the bankruptcy of its own banks.

Reliable banks include: For example, such giants of the banking sector as Sberbank, VTB, Rosselkhozbank and some others.

So, the TOP 5 banks in which you can safely invest money at interest:

1. "Sberbank";
2. Rosselkhozbank;
3. "VTB 24";
4. Gazprombank;
5. "Alfa Bank".

Bank reliability ratings change slightly over time. But the first 3 (three) jar almost always are in their places, since these are large banks with state financial support, that is, reliability is at the highest level in the country. Here you can choose a deposit with replenishment, capitalization of interest, as well as extension. You can read about that in one of our publications.

Method number 2. Investing in mutual funds

People who are a little familiar with stock exchange, shares, bonds and working with securities prefer to invest money in mutual funds (UIFs).

In fact, this combination only sounds complicated, but has a simple basis. It represents collective investment of funds and their further management. All money is collected into a general fund, and then, with the help of a professional manager, is directed to the chosen method of use.

The principle of operation of mutual funds

IN most We ourselves very rarely have real information related to the economic indicators of even the most successful organization. Therefore, the ability to purchase any security is enough, but to manage it competently is not.

Important! By investing money in mutual funds, we get the opportunity to acquire those stock, bonds, gold or currency, which have fallen slightly in price, but are able to gain their positions in the future, determining good growth and a significant share of profit.

To achieve such an ideal situation, specialists in investment funds must have an excellent understanding of the economy not only at the level of their country, but also in the whole world. It is important to master the basics technical And fundamental analysis, view news feeds and be able to respond correctly to constant changes.

It is very difficult for an ordinary consumer to obtain a complex of such knowledge, much less actively manage it, so there is a need for the services of a specialist. This is the essence of investing money in mutual funds.. You give your free funds to managers who have extensive experience and good statistics.

Thereby, advantage investment fund is that at any stage you are provided with maximum support and various options for investing funds from which you can choose the most optimal.

There is no need to immediately immerse yourself in all the subtleties and nuances, study the methods daily, it is enough to trust your funds correctly. In addition, you can gradually delve deeply into the actions being taken by independently purchasing additional shares of the same organization.

It is worth understanding that the activities of any management company are subject to constant control by the state, and this already gives you confidence in honest cooperation.

It is precisely such strict measures in the legal field and legal issues that ensure the protection of our investment rights as shareholders.

For the most part, a company that values ​​its reputation allows only verified employees with a special certificate to manage raised contributions. It is also important that the amount of your initial investment is practically unlimited. It can start from 1000 rubles.

All available capital can be distributed initially between several mutual funds, which will allow you to create your own portfolio, limiting your share risks.

Following the logic, the situation turns out this way: even if one investment fund exposes your money to risks and brings you lesion , then the other will help restore the lost amount and most likely provide income .

Even if the fund is recognized bankrupt , then your property invested in this investment will be prohibited from being put up for auction by law. If necessary, you can always request the results of an independent audit, which is carried out daily. Thus, with the help of a registrar, the fund’s own rights to invested shares and all property are recorded. And every year, the company’s accounting department is audited.

Negative side This method can be called one’s own indiscretion, when a young, untested specialist who gets down to business “let’s you down” and your expectations.

It is quite difficult to check its actions in advance, so there is a risk of losing accumulated money.

The only right decision You may want to know a lot more about the mutual fund in which you are planning to invest. Try to analyze the situation, look for reviews, read forums, and insure yourself.

Method No. 3. Purchase of real estate

Investment method No. 3. Purchase of real estate (office, residential, etc.)

This method has always been the most effective for investing money. It is worth understanding that purchased real estate (apartment, etc.) almost never loses its price. We have already told you how to profitably buy an apartment and in a separate article.

Over the next few years, its value will gradually increase. Sometimes this happens in sudden leaps, often simply by a systematic increase, but it always gives its owner the opportunity to find himself in plus . We wrote in more detail about, as well as the pros and cons of this method of investing, in a previous article.

In addition, the purchased option can always be rent out, and this is already a way of passive income, which leads to further accumulation. Experts have noticed that for investment purposes it is best to purchase simple rooms or one-room small apartments.

An example of an apartment that can be purchased for rent starting from 20 thousand rubles per month in a large city

The rented space of two such objects costs several times more than one area consisting of 2 rooms.

Also, a small square is easier to repair, giving it a presentable look, and furnishing it with your own furniture. If we use the language of numbers, then renting the purchased room will bring us 10-20% per annum, which will maximize the return on investment through 6-8 years, and after that the period of receiving net profit will begin.

But renting an entire apartment only brings 5-7% per annum and this is a longer period for returning your funds. In addition, the existing method of daily housing rental provides the most profitable prospects, but entails the need for constant work on searching for living people, And repair, the implementation of which will become more frequent.

You will need to ensure not only the best conditions, but also the prestigious location of the room in the area. Investing your own funds in housing has mass benefits . This includes stability, the possibility of further residence and return of the invested money at any convenient time.

It is worth understanding that sell property you can always. (For information on how to do this quickly, read the article - ?). Plus you can easily give your square meters, hand over them by inheritance or bequeath to a specific person.

Disadvantage This method must be taken into account the high cost of the object and the difficulties in completing the transaction. So it is not always possible to easily collect the amount from 500,000 rubles, and even a loan taken from a bank imposes a lot of obligations on you. But having money on hand is not a guarantee of a successful result.

In the modern world there are many schemes used scammers when selling a home. And your initial belief may later turn out to be a lie.

Therefore, vigilance is very important when searching for premises, checking documents and working with lawyers.

Method number 4. Precious metals

A very common way of investing has become the purchase of gold. It is purchased in special bullion and, as a rule, stored in the same banks, creating a special account.

Over time, prices for this instrument may, as grow, so fall, but for the most part they provide the owner of the precious metal with profit. It is not difficult to purchase it even on the day of application.

If the transaction occurs in an impersonal form, then VAT in fact sales or purchases will not be charged . But the formation of metal into an ingot involves payment of tax for added value in the amount 18% (VAT).

In addition to gold, it is actively sold silver, palladium And platinum. In fact, the investor’s entire income is generated by the increase in the cost of precious metals on world markets. If necessary, accounts can be replenished with the monetary equivalent of the value of this investment instrument.

When closing the agreement, according to its terms, the bank has the right to give you not only financial resources, taking into account the increase in the amount, but also the bullion itself. By the way, very often accounts closed ahead of time do not entail the payment of accrued interest.

Advantages of this method is that it protects savings from inflation, protects the owner in case of any unstable economic or political situations in the country. In addition, it can be seen here high liquidity use, that is, a quick transfer into cash, as well as a stable increase in the value of it.

Gold, as a precious metal, is always in price. The price of gold is subject to slight fluctuations, but over the long term it increases in value.

From shortcomings can be called the need to create special storage conditions, purchase And sale is made only through the banking system, and the increase in capital gains occurs at a slow pace.

In addition, when working with this method, you need to follow several basic rules.

Firstly, it is important to purchase precious metals during the most favorable period. Try to identify the main price decline.

Secondly , it is worth understanding that such investments pay off only in the long term.

AND, thirdly, when starting the main actions, try to study the market in advance, understand the peculiarities of production and consumption of each metal, and also analyze expert forecasts.

Acquiring gold gradually depletes gold reserves, allowing the price to become more expensive over a period of time.

Method No. 5. Business

Investment method No. 5. Business creation and development

Creating and developing your own business, as well as purchasing a ready-made project, involves special risks in the initial stages. In general, of course, the area of ​​investing money is considered profitable, but achieving such a result can be very difficult. We have already written about this in our issue, which provides detailed instructions on how to open, what to look for, and also provides popular business ideas as examples.

Important not only initially correctly calculate the amount of investment, availability of staff, purchase of goods And other expense items, but also take into account the rental of the premises, the traffic of the planned location, and even the cost of the average bill, which gives reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt original plans. This presence of competitors, bad relationship with suppliers, equipment modernization, changes in Russian legislation, and much more.

Advantage Such investment can be considered the possibility of joint ownership of a business, collegial management of it and the search for a niche poorly occupied by competitors.

Under such conditions, as well as competent management of affairs, you can not only receive a good income, but also be confident in its consistency.

Negative side this method is called absence 100% guarantee. Your invested funds may, in the end, not only not be returned, but will also impose special obligations to eliminate debts incurred as a result of activities.

Any area of ​​business requires special attention, constant work and personal dedication. You will have to either constantly monitor the progress of affairs with the invested funds, or independently participate in them, achieving positive results.

We wrote about it in more detail and detail in our previous material.

Method number 6. Purchase of securities

Investing in such instruments becomes profitable in the long term. Their main types in your portfolio can be called stock, bonds And Eurobonds.

Method of investing money No. 6. Purchase of securities (stocks, bonds, etc.)

Let's look at each acquisition in more detail.

So " promotion" is a security that makes it possible to confirm your right to a share in the capital of a company. It allows you not only to receive dividends, but also to participate in the management of the enterprise itself.

Main advantage such an acquisition can be considered a huge profit based on the increase in its price. The entire storage and control scheme for such papers is now in electronic form, so it is very convenient to use.

Also, when working with securities, many companies open their controlled companies in offshore zones (“offshores”). we already wrote in our previous issues.

Negative point experts call the high risk of storing these tools. Such a purchase is made at your own risk. No one gives good guarantees of the success of such an event.

"Bonds" their owners increase their capital gradually. Its growth occurs at a slow pace, but makes it possible to become stable. In the overall portfolio of securities, they are most likely acquired for diversification, that is, expansion of the assortment.

They reduce risk and are suitable for those users who can expect a long period of increasing their initial funds.

"Eurobonds" issued most often by corporations and governments in foreign currency denominations. The starting bid for their purchase is 1000 dollars.

Main advantage This method of investing lies in the cost difference between currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.

Flaw of this method is that it is very difficult to choose the right ones on your own stock or bonds into your briefcase. You will definitely have to resort to the opinion of professionals and experts.

Only they, understanding the real economic situation of our country, as well as understanding all the nuances of work in this area, are able to advise and choose the most optimal solution for you.

Method No. 7. Private lending (P2P lending)

Another method that is now most widely used. This is a method in which money is provided to the borrower under special conditions. It is important to draw up a contract correctly and evaluate everything risks And losses, study the personal data of the person with whom you will work.

Yours advantage consists of high profitability. Providing credit obligations from one individual to another for a short period allows you to receive up to 50% per annum. But the disadvantages of this method are also serious.

There is a possibility of non-repayment of borrowed funds. Even a very thorough search for borrowers does not guarantee their integrity.

Method No. 8. Buying currency

This method of investing can be carried out both with the help of banks (banking institutions, branches, etc.) and by attracting brokerage companies to trade on the Forex currency market. One of the best brokers is " ForexClub".

If In the first case you just need to provide a document proving your identity, then in the second— a special agreement is signed, which initially may carry additional risks. In one of the articles in our magazine you can find out what you need to pay attention to when...

That is why it is important to choose the right specialists who have significant experience in this field of work. The most popular currencies today are: U.S. $, Euro, Japanese yen, Swiss frank, And english pound sterling.

Main advantages Some points can be mentioned in this method.

Firstly , the increase in profit is achieved in 100% and more, which allows you to increase your initial capital, getting richer every day.

Secondly , if you know the dynamics of exchange rate growth, then it becomes possible to protect yourself from inflation. You can choose the currency yourself, determine its changes and predict further consequences.

Third , the purchase for you is not limited in time. This process can be scheduled for any period of personal free time.

AND, fourthly By providing constant access to the Internet, you are independently able to control the situation, monitor changes in course, and determine the effectiveness of your further actions.

Flaw With these advantages, there is only one - the unpredictability of the currency. In order to make the right decision, you need to carefully monitor changes, be able to correctly predict the behavior of quotes and try to bet on different types of funds.

Yes, experts advise to instantly increase your starting capital, invest in dollar or Euro.(we wrote soon in the last issue, which provides advice and expert opinions).

If it is a priority for you safety of funds , despite the difficult political situation, turn your attention to pounds or Swiss frank.

Of course, their purchase is more expensive, but this operation provides stability, because their position is more stable in the foreign exchange market.

☝ Also, popularity has been growing recently. We talked about them in detail in the last issue.

Method number 9. Investment in art

This is one of the stable ways not only save your funds, but also significantly increase them. To do this, it is important not only to really understand art, but also to attend special events, selecting your future buyers.

This method has both a lot of advantages and its disadvantages. As you know, the art market has existed for quite a long time and anyone can become a participant, regardless of gender, age, and even religious prejudices.

The first and significant plus working with masterpieces is very simple purchasing procedure works. There are no special formalities, licensing, or special checks. The investor selects a future purchase from a catalog or by directly visiting the gallery itself. They tell him the price for the canvas he likes according to the established price list.

If necessary, an expert is brought in to confirm the authenticity of the work. Such a specialist can be provided either by the organization itself or from a circle of personal preference. The work you like is carried out through a purchase operation and handed over to the investor.

By the way, it is believed that investing in such sources becomes most profitable in periods of crisis, wars or extreme situations. This is a kind of capital protection, providing further profit.

But against the backdrop of these advantages, we can also highlight a number of disadvantages . Let's start with the fact that this market has low liquidity. Auctions are held with frequency 1-2 once a year, and the sale itself may take from 6 to 18 months.

In addition, the availability of buyers who can pay you the required amount is very limited and it is important to convince them of the importance of the acquisition. Many credit institutions refuse loans to their clients, even if they try to secure them with the very objects of art as collateral.

No work unable to bring to its owner intermediate income, such as renting an apartment or buying shares, but the costs can be significant. The owner must ensure not only correct storage conditions, but also insurance, security, delivery.

In addition, sometimes it happens that a period of rising prices is replaced by its stability and waiting for a long time the owner may simply make a small profit. Even at well-known auctions and trades does not exist 100% anti-counterfeit protection. Often the staff of experts there is very limited and it is not physically possible to check all works of art.

Many experts advise taking this method of investing capital very seriously. Try to provide yourself with the best possible methods for checking works for authenticity, and involve those employees who will give a guaranteed result.

It is worth understanding that only a painting that has not been put up for sale for a long time and spent it in one collection has a serious chance of increasing its value.

Method No. 10. Internet projects

With the development of modern technologies, this direction is becoming increasingly popular.

Way to invest money No. 10. Investing in the Internet - projects

At its core it has 2 region, which may be of interest to both a novice investor and an experienced specialist.

Firstly, the World Wide Web allows you to create web resources of an innovative nature, which are regarded as startup. By the way, we wrote in our last article.

Secondly, you can invest money in creating your own website, which will become the foundation of your business and begin to bring in additional money on a regular basis.

AND, Thirdly, financing those projects that seem most profitable to you.

Let's look at each direction in more detail to understand how profitable it can become later.

In the first case you will need come up with an original idea, which will be able to interest the future buyer with its profitability. Having worked through it more carefully, it is important to understand even the smallest details.

Next, specialists are brought in who are capable of bringing the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed according to which this business project is actually implemented and tested.

Your investment is returned back with recoil . The amount of profit received depends entirely on the degree of elaboration of the created Internet site and its attractiveness for future owners.

Second case has a more common onset and is beneficial for a number of reasons. You can create your own business on the Internet even with a small capital.

You save on retail areas, warehouses, staff, but you have the opportunity to gain access to a wide range of users and engage in implementation at a convenient time.

Investments in this type of activity less risky than creating a business in reality. But the development of this direction and the increase in initial financial sources completely depends on your employment, interest and intentions.

Third way attachments funds through the space of the World Wide Web is also associated with doing business, only by people who are able to prove the effectiveness of their start. There are many platforms on which people post their projects with a specific description of costs and profit levels.

Investing in websites. An example of selling a website from the Telderi exchange. The lot indicates average monthly income and expenses and other information for buyers (investors)

They offer you to invest in it, promising a certain share of shares, from which you can later receive income or earn money for their sale. Such obligations are formalized using a special type of agreement, worked out by specialists.

Investing in Internet projects- this is an area that should be studied especially carefully, because it is impossible to predict the result in advance. Of course, there are risks here.

And perhaps disadvantage This method can be called unpredictability. Experts have calculated that from 10 offers nominated for consideration only 4 capable of becoming profitable .

Method No. 11. Binary options

This is the fastest way to make a profit on invested funds. It is based on two components: ability to take risks and clear detailed study economic situation.

Method No. 11. Investing in binary options

Your task is to to provide a correct forecast for the price of the asset being used. For example, it is most convenient for a person to work with stocks. By purchasing an option on them, he bets that, for example, in exactly one day their value will become significantly higher than currently indicated.

After the specified time, the result is evaluated. If the assumptions are confirmed, the profit margin will fluctuate from 65-85% . This is a significant increase in invested capital.

But don’t forget that you may not guess right. Exactly then gets lost 80-100% rates. We have already written in detail about options in our issue - “What they are and real reviews from beginners.”

At first glance, it may seem that generating income in this way is just a game of chance. Actually this is not true. It is worth going a little deeper into the created system, and you will begin to make more correct predictions, and this, as a result, increases the chances of a favorable outcome of the bet.

Investing in binary options, it is worth considering that they have mass benefits.

Firstly , the trading instruments that will be offered to you have a wide range and provide the right to a huge choice. So anyone, even a novice investor, can work with both standard currency pairs and precious metals, shares of various companies, oil and other assets.

Secondly , your level arrived and possible risk predetermined. In general, you can calculate in advance how much money you will be able to receive as a result of a positive outcome of the case and what you can lose if the situation is handled incorrectly.

Some trading platforms offer their consumers to independently set the percentage of the future outcome.

For example, by setting the numbers 80/70 , you lose 80% of the bet without guessing it, or gain 70% of the initial capital.

Third , easy access is always provided to any interested investor at any time of the day. That is, there is no need to download and install additional programs, go through levels of control, or somehow confirm your individuality.

All you need to do is go to the official website of the trading platform and you can track the results, place new bets, and analyze the situation. In addition, all trade continues every minute, no breaks on weekends, holidays or at night. Thus, your desire to start making money on your invested money can come true at any second, you just need to find some free time.

AND, fourthly , the trading interface is created in such a way that it will be understandable on an intuitive level even to the most uninitiated beginner. All intermediate price fluctuations of the instrument you have chosen are recorded, giving only the final result for the time you set.

There are 2 main principles here: CALL UP is a buy transaction (profit from rising prices) and PUT DOWN is a sell transaction (income when prices fall). Despite so many advantages described, it is worth understanding that binary options, like any other type of capital investment, may have some disadvantages.

Let's list some of them. So, the only failure you make can take away up to 90% invested capital. And sometimes this can be a very significant amount, and to get it back it takes approximately 3-4 successful transactions.

In addition, it is not permissible here in advance break deals or give them up. Even if you understand the error of your actions, and the worsening prognosis constantly confirms your guesses, you can only hope for a miracle, expecting the final result.

Also, the program itself assumes the absence of loan obligations. That is, you can invest only the free funds you have available. On the one hand, this is even good, because, as a rule, a novice investor enters excitement and is able to spend more than he originally intended.

But, on the other hand, there are some types of transactions or stability of the economic situation, when a positive result can be predicted in advance, and this can lead to significant earnings.

Only at this moment there is very little money in your account. Working with binary options can not only save your investment, but also significantly increase them, you just have to correctly understand the situation and study in more detail the scheme of working with each tool.

Method No. 12. PAMM accounts

This is another way to manage your finances, which allows you to entrust your personal savings to a specialist. We talked in more detail about how to open and select a PAMM account for investing in one of our articles.

Investment method No. 12. Investing in PAMM accounts

It’s worth immediately understanding what the difference is between a mutual fund ( Mutual Fund) And PAMM - account.

If in the first case the manager has full access to your funds and can dispose of them at his own discretion, without incurring liability even in the event of losses, then the second option only requires the presence of a deposit, which can only be handled through coordinated actions.

PAMM account intended for trading, concluding transactions, but only technologically. Moreover, all funds provided for investment in this account can not only be checked at any time, but also the actions of the manager can be stopped at any time.

Main advantages depositing money in this way are:

• Opportunity to earn money significant profits through the skillful actions of a specialist. As you know, such accounts provide access to the most highly profitable investments.
• Minimum investment threshold. Some such accounts may start with an amount of 100 dollars and that is why they become not only attractive, but also accessible to a large circle of people.
• Full control . Thanks to the automated system, the account holder can easily and quickly analyze the activities carried out, and all calculations are performed automatically.
• Easy choice of manager. Throughout all work processes, not only its statistics are published for each PAMM account, but also the history of operations, which makes it possible to easily view the current situation, contact your manager and, if necessary, replace him.
• Portfolio formation. As in the situation with mutual funds, risks are always possible. That is why it is necessary to insure yourself by creating several accounts with different assets.
• Liquidity of operations. At any time, if necessary, you can not only enter your funds, but also withdraw them. The entire operation takes no more than a day, but gives the owner confidence that there is control and even the most complex transactions can be stopped during the period of their implementation.

Method No. 13. Investing in yourself

This is another way to invest money. It is considered very beneficial in the sense that even the smallest knowledge gained by attending courses can become a serious platform for further starting.

In general, this type of investment has 3 main directions.

1. Health

Even if it seems in your own 18 years, you do not have problems in this area, rest assured that they will appear without proper attention. And your condition in adulthood depends on how well you take care of it now.

2. Appearance

This is constant work on yourself. In order to be perceived normally, you need to monitor clean clothes, own scents, skin, nails And hair.

Of course, there is no need to constantly visit expensive salons and spend all your money on procedures, but making appointments when your appearance looks like a fat, greasy cat is also useless.

Try to get involved in sports to have a beautiful figure and a toned stomach, take care of your hairstyle, and especially undyed hair roots, sign up for manicure and pedicure treatments.

Monitor your skin condition in a timely manner and at least purchase the necessary creams to help fight wrinkles, pay attention to your wardrobe. Try to select good quality items for him in a strict business style. Don't forget to wash and iron your things on time.

3. Knowledge

Fulfillment of the first two main points entails further personal growth. Now it is important to read books of various types, gaining something important for yourself.

Make it a habit to read daily at least 50 pages . Sign up for useful courses, trainings, visit presentations (for example, such as “ ”, etc.), try to communicate with new interesting people.

If you have the opportunity to watch a training video, take advantage of it. Plan a trip to another country or city, choose excursions with which you can study history and various types of architecture.

Believe me, there is nothing educational about visiting a beach or a bar. Besides, it’s good to get into museum , theater , movie ,Botanical Garden or even zoo .

Investing in yourself – this is knowledge, experience, skills, and the ability to apply the entire range of acquired skills in practice at the right time for you. It’s not for nothing that wise people said: “You can’t carry knowledge on your back, and you never know what information will be useful to you today.”

7 principles of investing to make money 📋

We wrote above about where you can invest money with a guarantee, so we also suggest that you familiarize yourself with the principles of investment.

Basic principles of investing money at a high interest rate with a guarantee of income

Principle 1. Long-term perspective

Imagine a situation in which the market, which has become so familiar to you, simply closed and it was decided to resume its activities only in a few years. Where would the money be invested?

Try to think ahead without resorting to daily quotes, the mood of other investors, or fluctuations in the cost of raw materials and finished products. So, for example, let’s take the purchase of shares in a well-known company “ Coca Cola" Even at the time of its conquest of the market, they cost 40 dollars.

The increase in the price of sugar in those years caused the value of the security to fall to its minimum. A stir was created in which they were sold for almost nothing, but today we understand how profitable these purchases became then. Agree that this is an excellent example of where you can invest money to make money. The shares of another company can offer you such a prospect, buying gold , antiques And even apartments .

Principle 2: Careful examination of the financing instrument

Before you give away even a small amount of your hard-earned savings, try to do an in-depth analysis of the chosen method. Talk to those who are already working in this field, consider their experience. This principle particularly applies to such areas as mutual funds, work on stock markets, PAMM accounts.

Principle 3. Own opinion

It is not enough to just have information, even collected very carefully, it is important to be able to cut off everything unnecessary and look at the prospect in the future.

Try not to succumb to pressure from others, develop your character by determining your outcome and the result of your investments.

Principle 4. Know how to stop

Sometimes it happens that work in one direction ceases to be profitable and there can be many reasons for this.

Consider other options, look for more promising investments, learn to close unnecessary pages.

Principle 5: Take your time

When completing investment transactions in the modern world, we rely mainly on the help of the Internet. It seems and more efficient And faster. But this position is initially incorrect. It's important to understand in subtleties and nuances, determine the outcome of the case and only then make a decision.

After all, the question of where to invest money at a high interest rate with a guarantee requires taking into account all the outcomes of the event (from receiving large losses to receiving a decent income).

Principle 6: Pick winners

It is worth understanding that even against the backdrop of a difficult economic situation in the country, there are companies that give good results and develop very steadily. The investor’s task is to find access to its shares and get them for the success of his business.

Principle 7. Think about tomorrow

This principle of investing is that even if you are very lucky today, you should not stop there, withdrawing all your money to buy expensive things.

Continue your business, look for new sources, tools, methods, collect your portfolio. Only this method of action will lead to a stable positive result.

5. Where to invest money to receive monthly income - 5 useful expert tips 💡

We wrote above where to invest money in order to receive income every month, so we suggest that you also read the advice of experts who have experience in investing.

Since when we earn our money, we try to not only save, but also increase, and in conditions of crisis, lack of stability and a difficult economic situation in the country, a feeling of fear arises, accompanied by a sense of loss.

So, expert advice on where to invest money in order to earn money and not lose it:

Expert tip #1. Try to minimize the risk for part of your investments as much as possible.

Separate from the total amount of capital 30% and give yourself a guarantee that they will invested without loss. In this way, experts believe Bank deposit, purchase of art objects, purchasing gold bars, precious metals And real estate.

The main point of the advice is that no matter what happens next, you will be able to save the starting amount, and, if possible, also earn money from it.

Expert Tip #2: Create a Recurring Passive Income

If this is your principle, pay attention to buying stocks or bonds, and securities in general.

By the way, even buying your own square meters, which you then rent out, will also allow you to receive a monthly income. You can read more in our article - ideas and sources of passive income"

Expert Tip #3: Diversify Your Investment Methods (Diversification)

It is important to understand that keeping all your money in a single project is very ineffective; diversify your investments. That is why, having ensured stability, try to find a profitable area of ​​business or become a co-investor in a business that, in your own opinion, will be very profitable.

Expert tip #4: High-yield investing

For economical And thrifty people, this method of investing capital should become the most extreme, because in essence it is associated with big risks . Your use of mutual funds or PAMM accounts, and even more so binary options, will allow you to instantly receive income and will also put your entire initial capital at risk.

Expert tip #5. Check the information

Before investing your money, you need to carefully and scrupulously study the investment object. Make sure that the expected profitability is correct; perhaps you are being offered to invest in an object with questionable profitability.

6. Where not investing money so as not to burn out - the main mistakes of investing 📛

Despite many warnings and a huge amount of information on the Internet, people who want to invest their own money make a number of mistakes that lead to undesirable results.

The very first and most important The point is that newcomers give away their finances at random, agreeing with the arguments of friends, relatives and even third-party representatives of the World Wide Web. Of course, the probability of receiving income still remains, but it decreases to a minimum.

Second mistake can be called an emotional state. There are often cases when, inspired by the example of a friend, a person tries to imitate his behavior, repeating every step of investing, but without a clear calculation and pre-thought-out prospects, instead of increasing funds, we receive them loss .

Another wrong move is considered a rush. People are in a hurry to choose an investment instrument, as well as in the desire to get the first results. As everyone knows, profits don't grow on trees. That is why it must be expected. Give yourself time to understand the intricacies and subjects, learn to act systematically.

Real examples of investing money for profit - ways to invest from 100-500 thousand rubles to 1,000,000 to earn

7. Where is it better to invest money to make money - real ways + examples of investing a small amount of money to make a profit 💰

Even the smallest earned capital already becomes the object of further thought. It is like a small door that opens the way for you to the world of big investing.

So, let's consider it advantageously, starting from a small amount to 5000 rubles and ending 1 million.

Smart investing is the key to a highly secure future. By placing free money in promising investment projects, you have the opportunity to significantly increase your wealth. What instruments are potentially profitable and what kind of profitability they can bring to a novice investor, we will analyze in detail in today’s article.

Sources of investment

The question of where to get free funds is asked by those people who are already thinking about their future. As you know, there is no such thing as too much money. Therefore, if you do not purposefully take measures to accumulate capital, then there will be nothing to invest. So where can you get free money to invest?

Let's consider 3 reliable options:

1. Save 10-20% of your salary . This option always works. It is important to determine how much money can be withdrawn without consequences. If you find it difficult to save money and the temptation to spend it is great, you can start. True, there are not many options and they are not so profitable compared to investments of 100,000 or more. But you can view investing a little money as a temporary milestone that will take you to a big goal.
2. Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can donate initial capital to a good cause free of charge.
3. Additional income . As sources of additional earnings, you can consider overtime work at your main place of work or short-term options with low pay. Of course, you will have to work more. But it's worth making the effort to earn passive income in the future.

TOP 17 ways to invest free money

So you have some capital and you want to make it work. Below is a list of 17 working ways where you can invest your free money. All you have to do is adapt them to suit yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

It makes sense to invest free money in a bank when you need to save up an emergency reserve just in case. In addition to time deposits, interest on contributions is quite cheap. Therefore, you should not count on good dividends even from a large amount. Anyone who decides to place savings in a bank account amounting to more than 1,400,000 rubles needs to divide it and put in different jars . To in case of default the state reimbursed the investment in full.

2. Securities

Shares are one of the most attractive, but also the riskiest options. As practice shows, it is better to entrust the management of securities to experienced professionals, although they cannot guarantee income. The peculiarity of this method is that there is no upper ceiling for profit or loss. In each case everything is individual. Of course, you can predict the main trend based on past experience, but this does not always work.

Read our review about how to avoid mistakes that 90% of novice investors make, and.

3. Real estate

It’s a fairly popular method to spend free money. After all, investing means getting the opportunity to quickly earn income and cover mortgage payments with it. However, it must be taken into account that if the apartment is not rented out for some reason, money must be paid from your own pocket. In the case when housing is purchased with your own capital, you will receive a stable profit with minimal risks. It is most profitable to rent out an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to make money on shares of popular companies, banks and corporations. The way options work is structured like this: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the rewards can reach 70%.

Making money on options depends on whether or not you guess whether the price of a stock will rise or fall at a certain time. You can buy them at different times, ranging from 1 minute to months.

Option investing is done through a broker and requires knowledge of the basics fundamental and technical analysis.

5. Microfinance organizations

7. Business

One of the most controversial investment options. On the one hand, with the right choice of niche, it can bring the greatest profit to its owner. On the other hand, you cannot hope for long-term income without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face strict restrictions from the franchisor.

Read separate publication, and you will find out what other pitfalls await you in.

8. Precious metals

13. Own website

Creating a website is one of the most popular ways to invest savings and for this there are a number of reasons:

• small initial investment;
• efficiency of creation;
• you can start earning money right away;
• passive income in the future.

With all the advantages, it is worth considering that competition in this area is huge.

And before starting a project, you need to understand all the possible methods of monetization and promotion. Ideally, the investor should deal with these issues independently, then the income will be maximum.

14. Social networks

The topic of making money from public accounts on social networks does not lose its relevance. There are active discussions on the Internet about whether it is still possible to make money from your group or whether the train has already left. It is difficult to answer this question unambiguously. In any case, those who started a couple of years ago have clear advantage. In general, everything depends on the investor’s organizational abilities and experience in promoting projects.

In any case, doing social networks yourself, you won’t need a lot of money. If the circumstances are successful, you will receive a good income from selling advertising; if the experience is unsuccessful, nothing will prevent you from selling the unprofitable group.

15. Education

At the beginning of your career, it is very important to invest in gaining knowledge. New skills provide an opportunity to establish yourself as a competent specialist and earn more money for a comfortable life in the future.

16. Structured products

A stable way to invest your savings, which gained popularity at the height of the crisis and is still in use today. The idea is to divide your capital and invest the bulk of your investment (80%) in bonds and the remainder (20%) in futures and options. This combination allows the investor, if successful, to receive up to 40% profitability, and if unsuccessful, to remain with his funds.

Pay attention to the comparison table below (click on the image to enlarge it):

Based on it, we can conclude that structured products have the highest returns with relatively small investments.

Profits may be higher if we are talking about, but it is important to carefully monitor news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal with the aim of increasing it as a result of trading activities on Forex. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. If you lose, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.

Conclusion

As you can see, there are many worthy options where you can invest your free money. The threshold for entry into the listed alternatives is affordable, so you can try all the tools and determine the one that suits you with virtually no monetary losses. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.

Related Posts

Uncertainty about the prospects of both the global and domestic economic systems makes one think about where to invest the accumulated money. A couple of years ago, one could safely recommend dividing the entire available amount into 2 or 3 parts: ruble, dollar and euro, and opening deposits in a bank or several, based on the principle of reliability and decent profitability for deposits of that time. Now, after the past surges in oil prices and in anticipation of their further instability, doubts are already appearing in the American and European currencies, not to mention the ruble. Some analysts suggest that the dollar will not be able to remain a safe currency for too long. They appeal to the huge US national debt and the non-stop printing press. Experts also do not picture a rosy future for the euro, although this currency is relatively stable.

Storing savings in foreign currency is associated with risks, the extent of which no one can determine accurately. On the one hand, the history of foreign currency mortgages is fresh in memory, on the other, there are no convincing guarantees that foreign currency investors will not find themselves in a similar situation.

Bonds in foreign currency

By greatly reducing interest rates on foreign currency deposits in 2015, banks made this method of investing money irrational. At least for those investors who do not want to be content with 2-2.5% per annum. At the same time, the bond market offers more interesting ways to invest foreign currency and rubles, given that we are talking about highly reliable companies and relatively stable countries.

As an example, let's look at the yield on bonds of some companies and countries. The information is not a call to buy bonds.

Russia (as of April 19, 2016):

• Russian Eurobonds - 5.34% per annum in US dollars (maturity in 2028).
• Eurobonds of VTB Bank - 7.39% per annum in US dollars (maturity in 2022).
• Home Credit Bank Eurobonds - 14.66% per annum in US dollars (maturity in 2021).
• Eurobonds of Russian Standard Bank - 21.06% per annum in US dollars (maturity in 2017).

USA (as of April 19, 2016):

• General Motors bonds - 4.35% per annum in US dollars (maturity in 2023).

Europe (as of April 20, 2016):

• Raiffeisen Bank International bonds - 5.24% per annum in euros (maturity in 2021)
• Portuguese Treasury Bonds - 4.02% per annum in euros (maturity 2037)

Several years ago, the bond market was available only to those private investors who were able to invest large sums of money - from 100 thousand US dollars. However, now investment companies, including BCS Premier, provide clients with the opportunity to purchase investment products based on Eurobonds with an entry amount of less than 10 thousand dollars.

If you are looking for a way to receive passive foreign currency income, then investment solutions based on Eurobonds of international companies should be included in your investment portfolio. If you want to have 15-20% per annum or higher, you need to understand the risks of such investments.

In this case, we recommend contacting a financial advisor.

Stock

The cheap ruble has led to increased demand for shares of exporting companies, because their revenue is expressed in foreign currency, and their costs are in rubles. It is expected that the profits of these companies will be high this year as well, which will lead to higher stock prices. It is worth considering that the stock exchange works ahead of schedule and the growing profits of companies may already be included in the price of shares. Therefore, if you do not have much experience in buying shares, it is better to choose companies with a professional.

There is an opinion that it is worth temporarily refraining from purchasing shares of Russian consumer companies due to fallen demand due to the low purchasing power of the population. There is a reason for this advice, but we should not forget the recommendation of many successful investors to buy shares in a falling market. After all, demand will sooner or later recover, and stock prices of consumer companies will resume growth.

Notes

A structured note is a composite investment product that is becoming an increasingly popular alternative to bank deposits, investments in stocks and bonds. Notes are one of the most flexible investment solutions: risk and return can be chosen from a wide range of values. The protective part (deposits, bonds) is responsible for the safety of the funds invested in the note, and the profitable part (for example, shares) is responsible for the profit. The income part can be based both on the Russian stock market and on foreign assets, currency and commodity exchanges.

Let's look at an example. 1 million rubles are invested in the note. The protective part of the note consists of Gazprom bonds - 95% (950 thousand), and the remaining 5% (50 thousand) are options. A favorable scenario will allow you to receive income comparable to the income from Gazprom shares. In an unfavorable scenario, the investor compensates for the money spent on options through the coupon income from the bonds.

If an investor chooses 100% protection of the capital invested in a note, then he is guaranteed to get his money back even in unfavorable circumstances. However, the coupon rate in this case will be significantly lower.

Investments in oil

It is not for nothing that investors allocate a share of investments in their portfolio to black gold. The oil turnover is huge, its reserves are limited, demand is high, and although prices are not stable, no one knows how to accurately predict them, which means everyone is in approximately equal conditions.

The most profitable, but also the riskiest way to invest in oil are futures - contracts in which only the price and delivery time are fixed. The probability of income on futures is 50% - the investor’s result is influenced by quotes. But only one in fifty oil consumers and producers enter into futures contracts. Other market participants make money from the price difference.

To successfully work with futures contracts, you need to thoroughly understand the mechanism of their operation. Beginners and amateurs should not take risks. Experienced investors cite the following advantages of working with futures contracts:

• high level of liquidity - the investor can withdraw money in a short period of time;
• the cost of futures contracts and the average price of oil are close in value;
• possibility of distance trading – transactions are available online;
• You can sell futures contracts even if you have no assets.

For those who find futures contracts complex and too risky, structured products have been developed that are based on oil price forecasts. The risk of loss here is either minimal or completely absent, since the structured product always contains a protective part. It guarantees the return of the initially invested capital even in an unfavorable scenario. If the oil price forecast comes true, then the investor receives 100% of the invested capital and an increased interest rate.

In addition to the above options, you can invest your currency profitably using structured notes. These are securities that have undergone official listing on the Russian stock exchange. They include shares of reliable foreign issuers or large Russian companies for which a strong drawdown is not expected (for example, Vnesheconombank, Gazprom, Sberbank).

Thus, in the investment market there are various options for how to invest currency. Some of them are more profitable, others less. The range of risks also ranges from none to significant. The final choice remains with the investor himself. The main thing to remember is that in investing there are no 100% recipes for success and no golden rules that are common to all. Use professional advice, your own experience and intuition.

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