Better to invest. Where is it more profitable to invest money: expert advice. Where to invest money to receive monthly income. It's better to invest money in

Alexander Ivanov

Hi all! Today we will look at the main investment methods available to Russians and talk about where to invest money in 2020.

Sooner or later, everyone whose income becomes greater than their expenses comes to this question. Drawing up a competent personal financial plan helps to do this much faster.

In fact, there are many working options. The only question is what is right for you.

Each method pursues two goals - preserving and increasing capital, although the first, of course, is more important.

Where can you invest based on this? So...

For those who are just accumulating funds for profitable investments or real estate, the best investment option is a deposit into a bank account.

A bank deposit has three indicators that make it the most convenient option:

• In fact, you can withdraw funds from a bank deposit at any time without restrictions. This is convenient, especially when a suitable option arises to invest funds for other purposes.
• Reliability. Every investor can be sure that his savings will be returned, because... they are insured. Of course, we do not consider banks that are not part of the insurance system.
• Profitability. You receive an insignificant, but still an increase on your deposit. There is a high probability that such income will even cover inflation, but not significantly. This is not so much, but the funds will definitely be saved.

When considering the option of opening a deposit in a bank, it is important to remember: this will allow, first of all, to save, and not earn, funds in the medium or short term.

That is, you should not look for a bank with the highest interest rates and favorable conditions. It is better to pay attention not to the amount of interest, but to the level of reliability of the financial institution.

It makes sense to give preference to a bank that is recognized by the state as systemically important and use the deposit to accumulate funds for further investment in other instruments.

Real estate investing

Total volume financial resources, which are invested by individuals in real estate, is much more than in all other options combined. This situation is typical for the Russian Federation and the world as a whole.

Neither in the long term nor in the near future, most likely, nothing will change in these statistics. For most people, buying real estate is the only long-term option for preserving their savings.

Like all other types of assets, real estate can be volatile in value.

However, according to average indicators, the price increase in this segment covers inflation, so it can easily serve additional source earnings. For example, subject to the property being leased.

One of the most important features of this type of investment is that the property retains its value linked to geographical location. In a particular area, its price is adjusted based on current economic realities.

By real estate, it is customary, first of all, to understand residential-type objects. And, nevertheless, the main part of the conclusions also applies to commercial, or non-residential, real estate.

The main conditions under which objects save and even increase funds are:

• maintaining a deficit scale of construction of new facilities;
• constant positive increase in population in the region, the city in particular;

In cities where there is a constant negative dynamics in the growth of citizens, where citizens are actively leaving (it is dying out), real estate cannot increase in price, and are increasingly showing a declining trend.

In developing and growing cities, the situation is the opposite. The younger generation and migrants, with their demand, are constantly pushing the price higher and higher.

In such conditions, only excessive construction of objects can restrain the rise in prices for real estate, which is virtually unrealistic. After all, this is unprofitable for the developers themselves, as this will lead to a decrease in their income.

And the scale of available space is always limited, which creates a shortage of space in certain urban areas that are most suitable for development.

In such places there is often no place to build, so the increasing demand can be balanced by rising prices for real estate in previously built objects.

Among other things, we must not forget about the corruption factor, which often reduces the overall ability of developers to enter areas that are new to them. This fact also negatively affects the scale of real estate for rent, leads to a shortage of real estate for sale and, accordingly, to an increase in its price.

All Russians who experienced the crisis at the end of the last and beginning of this century have drawn their own conclusions. They no longer need to explain why real estate is the best option for long-term capital storage.

In addition, over the past 30 years, real estate has remained the only type of asset that was available to the vast majority of the country's citizens.

Of course, investing in real estate also has its downsides. We are talking about a high minimum price for each individual object - it is difficult to purchase an apartment from your salary.

And, nevertheless, such a problem has its own solutions.

The main solution is a mortgage. It is she who helps to fix current price housing for the buyer.

Wherein, mortgage interest, which seem to many to be simply sky-high, in fact always turn out to be lower than the long-term increase in the price of the object itself. Therefore, an apartment purchased for investment purposes is not only possible, but also necessary to rent out.

At first, of course, the rent will not be able to cover even the mortgage payments, but after 5-7 years there is a possibility that the rent will begin to cover the payments in full.

An alternative option is investing in liquid real estate with a low average price.

For example, we are talking about permanent garages, parking spaces, small land plots and so on. After all, they can be rented out, they require minimal investment after purchase, but the demand for them is always high.

Also a good option for purchasing is a one-room apartment with a small area in not the most expensive urban areas. Such objects are also characterized by a low average price, but they are actually easy to sell and rent out.

Another alternative to a mortgage is pooling. This option is not very common.

However, if you have friends whom you trust well, who you can rely on, and who, at the same time, are trying to find a reliable and long-term investment option, then you can buy real estate together with them.

This option has a whole list of advantages.

If all or most of the collaborators approach the issue wisely, then you can save a lot of money on home renovations before renting out, thanks to the use of shared labor.

This will also help you buy more properties at once, which means diversifying your investments across areas and property types.

And on all issues it will be possible to support each other and back up.

Of course, in this option there are some legal issues that must be taken into account in advance. Therefore, it is so important to initially understand how much you can trust each other.

For those who are conservative in their approaches and are not ready for something new, investing in real estate is the best option in the long term.

Investing money in your business

Investing in your business is, of course, a certain risk. And yet, the risk is often quite justified. He borders on the desire to do everything to achieve success.

Everything here is in your hands. Control of business processes and various risks associated with them is the main task of every entrepreneur.

Whether you are a simple hairdresser renting space in a salon, or the owner of a large-scale business project...

Basic properties of a personal business:

• Business creates value;
• A business keeps its finances in constant motion by creating cash flow.

The main part of business ideas is based on the fact that investments will be able to pay off after 1-2-3 years. But, in addition to immediate self-sufficiency, it is important to remember that the working business itself has value and can also be sold.

A personal business is not just about generating cash flow, but also about increasing the overall value of the business. The larger the project, the correspondingly higher its cost.

Everyone who has their own business is simply obliged to continue investing in its promotion and development. After all, the potential profitability of a working business is always higher than with any other investment options.

Of course, this is relevant provided that it can be scaled.

It also makes sense to invest in your own business if you have a sufficient amount of free time, energy and the desire to create something unique and inimitable.

This option is optimal for those who are ready to work and develop in a chosen direction that is familiar to them or close in spirit.

By and large, starting a business requires not only and not so much investment, but exceptional courage and comprehensive readiness to take the first step and move, no matter what.

Of course, there are risks here too, however, the effectiveness and results of investing in your business will depend solely on the entrepreneur himself, and not on a third-party guy.

When discussing the choice of type of activity, it is first necessary to pay attention to areas that have long been well developed, bypassing what is little known and poorly developed.

There is no point in “getting involved” in an area where there is no healthy competition, because this may indicate that the activity is not in demand. The importance of demand has not been denied.

You need to focus on in-demand, popular and potentially profitable areas.

The idea that core business areas are oversaturated is wrong. Russian Federation is a place where essentially little is produced, and the service sector is still in its infancy, compared to some developed countries.

Any goods and services will definitely find their clients and buyers if you put in some effort.

Investing in exchange-traded financial instruments

Investments in bonds

Buy shares online

Unlike deposits, which allow, first of all, to save funds and not to increase them, bonds perform other functions.

For large corporations, pension and reserve funds throughout the world, it is a tool for long-term storage of capital with strict restrictions in terms of risks.

Active users of bonds are often wealthy people who have inherited wealth. The heirs of huge amounts of money are aware that they themselves cannot earn so much.

Therefore, they set themselves only one task - to preserve the inherited funds. And in this they are helped by bonds that can provide stable and regular profits.

Investing in shares

Investing through foreign brokers

It is obvious that the stock market is not limited only to the Russian Federation. The world is simply huge, and capitalism is legally enshrined in many countries and assumes that everyone has the right to dispose of personal funds at their own discretion.

We are also talking about the actual possibility of investing in shares of enterprises around the globe.

Previously, this seemed like something far away, but now it is part of real life. Every citizen of our country can invest savings in shares of foreign companies without much effort.

At the same time, deposits in foreign enterprises are possible both through Russian and foreign brokers.

The latter option provides citizens with a much larger selection of shares that can be purchased. After all, this opens dozens of exchanges in American, European and Asian markets and thousands of companies.

You just need to decide on the choice of a broker who will help you perform certain purchase/sale operations on foreign exchanges.

It is important here that the broker who will be selected for cooperation meets certain requirements:

• the ability to open an account remotely;
• minimum commission for transactions;
• the maximum number of company shares that can be purchased;
• reliability of the jurisdiction with deposit insurance from the regulator.

The demand for this type of investment in Russia is growing all the time, because everyone wants to have a larger selection of instruments, diversify risks by purchasing foreign shares in foreign currency and, ultimately, earn money.

IN last years The country’s market is unable to fully provide this, so we are actively looking for access to foreign stock markets through foreign brokers.

Disadvantages of investing through foreign brokers

• Lack of support in Russian.

Opening an account with a foreign broker requires the investor to have good command of the English language. Otherwise, working with foreign brokers will be difficult.

• Mandatory payment of taxes.

In case of depositing funds through a Russian broker, all work with taxes is assigned to him, as tax agent. The broker calculates and pays the bills himself.

If you choose a foreign broker, the investor decides and pays all tax issues independently.

Investments in financial instruments with intermediaries

Investing in specific bonds or stocks on your own requires some financial knowledge. Which bonds should I buy? Which stocks to choose?

Coupon profitability, primary and secondary placement, credit ratings and dividends, default... The world of finance is not quite simple; studying it is like receiving additional education.

And yet, for most people, due to their main activities, it is not possible to find time for this.

But there is a solution: there are specialized firms whose key work is related to collecting investor funds for the purpose of further investing them in various instruments.

Investing with the help of Management Companies

Management companies offer the opportunity to analyze and invest funds for you.

There is a whole list of similar companies that can be ranked according to the amount of money attracted to their funds. The main part are companies that are part of large-scale financial holdings, although there are exceptions:

• Sberbank Asset Management
• Alfa Capital
• VTB Capital Asset Management
• Raiffeisen Capital
• Pension savings
• Gazprombank - Asset Management
• Uralsib1
• RSHB Asset Management
• System Capital
• Aton Management and others.

Each such company offers two different mechanisms for transferring money to management to choose from:

1. By purchasing shares of one of your own (mutual investment funds).
2. By transferring money for one or another investment strategy.

Contribution to mutual funds

Mutual Fund (Share investment fund) is a fund created by the manager of an enterprise for the subsequent investment of the fund's funds in order to generate income and distribute it among all shareholders.

Fund capital is formed through the sale of shares to investors. The fund's losses and profits are reflected in changes in the price of the share itself.

The main feature of mutual funds for mass investors is their low entry threshold. For deposits in interval and open mutual funds, only a few thousand rubles are required.

Other investment options with the help of management companies require larger amounts.

Another one important feature Mutual funds - strict control of their work by government agencies. This allows us to talk about additional control over the work of the fund, incl. on the legality of all transactions with shareholders’ finances.

Mutual funds became popular in the mid-2000s during a time of rapid growth in the stock market of our country.

Mutual funds themselves were constantly being formed for an actively growing market, and the 2008 crisis demonstrated their shortcomings in all their glory.

The need to strictly follow a certain asset structure does not allow mutual funds to go into currency or ruble cash during crises, while recording serious losses.

The costs of maintaining the fund are constant and quite large. In the long and medium term, this leads to a serious drop in their overall financial results.

After financial crisis in 2008, all equity mutual funds, mixed mutual funds and most bond mutual funds suffered serious losses, demonstrating their vulnerability to market crises. Their demand has dropped significantly.

Commissions for deposits in mutual funds are formed by fixed costs as a percentage of the total amount of funds in the fund for:

• Depository remuneration.
• Management company's remuneration.
• Other costs.

In total, depending on the fund, about 1-5 percent of all assets for 12 months are spent on expenses. All this is taken into account in the total cost of the mutual investment fund, and investors themselves usually simply do not notice them.

For investors there are also additional commissions when selling mutual funds, if the total investment period is less than that fixed in the agreement.

The shorter the total investment period, the higher the commission. In case of a deposit for a period of more than two years, commission for the sale of the Fund may not be charged.

Investing in trust management

Unlike mutual funds, trust management imposes much fewer restrictions on management company.

In theory, a flexible management approach allows enterprise managers to take full advantage of market opportunities in order to make a profit.

But on the other hand, it is difficult to calculate the real results of their activities, because this information is not disclosed by companies.

Everything about the results of the Funds’ work is thoroughly and clearly known, because data on the profitability of mutual funds is open and accessible information to everyone.

And, unfortunately, it is difficult to find reliable information about the results of work for a certain period of the management company.

Therefore, trust management has become more popular than mutual funds. After all, if before investing in a Mutual Investment Fund you can look at its profitability dynamics, the desire to invest in it may disappear.

And in the situation with trust management companies, we are talking only about target and expected levels of income. The actual profit for previous periods will most likely not be disclosed.

The bulk of investment strategies from management firms are divided into several categories:

Offers for “regular” investors

• Bond portfolio
• Stock portfolio
• Investments in rubles
• Mixed portfolio of stocks and bonds

Offers for “qualified” investors

• Investments in foreign currency
• Investments in Russian Eurobonds
• Investments in rubles
• Active management of a portfolio of shares of Russian enterprises
• Investments in foreign currency
• Portfolio of Eurobonds of Russian enterprises
• Portfolio of sovereign bonds from governments with developed and developing economies
• Portfolio of corporate bonds of foreign enterprises
• Portfolio of shares of foreign enterprises
• Mixed portfolio of stocks, sovereign bonds, corporate bonds

A qualified investor is a legal entity or individual who meets certain requirements of current Russian legislation.

To obtain status, an individual must meet one of the criteria:

1. Having certain trading experience on the stock exchange with a total turnover of at least 6,000,000 rubles. over the past 12 months.
2. An individual has 6,000,000 rubles. in securities, on deposits or in trust.
3. Having the necessary education.

Serious opportunities for investing in foreign currency are opening up for qualified investors, because investment options are supplemented by foreign securities: bonds and shares of foreign enterprises, sovereign bonds of countries with developing or developed economies.

By and large, there is no particular difference between investing through mutual funds or trust management. And yet, the latter’s investment plans look more “presentable” from the outside, and a larger minimum deposit amount in trust management seems to be a “guarantee” of greater reliability.

But this, of course, is not entirely true. Average level The profits of the trust management investment plan and the mutual fund are comparable, because funds are invested, as a rule, in the same securities.

The remuneration to the management company reaches, as in the situation with mutual funds, about 1-5 percent per annum of total amount managed assets.

“Someone can sit in the shade today only because someone planted a tree at one time.”

Warren Buffett

No matter what they say, investments are part of any reasonable person. Unlike primitive work using the “ worked - ate“, investing money can generate income during your vacation, even if it lasts for decades.

It's corny, but true.

The question of where to invest money to make it work is relevant today more than ever, because everyone doesn’t want to count pennies in line at the pharmacy when they retire, but rather travel the world and enjoy life. But doing this with your existing pension is simply impossible.

If you think that you now have a great job, a lot of money and you can spend everything because tomorrow there will be more - this is not so. By not investing today, you are depriving yourself of the future.

After all, at some point you will not want or will not be able to work, what will bring you income in this case?

To begin with, we will show you the investment portfolio and its profitability, as an example of real figures for investment profit for last month, and then consider the types of investments separately.

Portfolio of successful PAMM accounts for the last reporting month - January 2020

PAMM account (number)	Profit Loss	% Manager
Nightsell (408985)	2%	20-40%
Konkord stable profi (415171)	16,1%	10-20%
Kalsarikannit (416226)	20,1%	10-25%
CartMan_in_da house (427015)	6%	10-50%
Arslanov Fund (433604)	38,4%	5-40%
FX_KNOWHOW (450950)	16,8%	30-45%
Sunnich Fr2 (388087)	7,6%	25-35%
CELINDRJOEV V.J. (451520)	29,2%	30%
Victory_ForLuck_02 (446503)	18,8%	40-45%
Profit72 (435041)	85,4%	15-50%
Hipster (452975)	-5,8%	20-35%
Suc 1.0 (433298)	34,7%	30-50%
FLAGMAN FX (456042)	397,7%	40-50%
Leopamm1 (429839)	18,8%	25-40%
Krat.co (449044)	51,6%	50%

If you have not yet decided where to invest your money, then you can focus on this portfolio. I invest only in the most reliable PAMM accounts, and before investing money, I carefully analyze and weigh the pros and cons. Managers who satisfy the reliability/return ratio become part of my investment portfolio. I systematically withdraw profits, reinvest, replenish investments and add new assets.

But here on the blog I update the portfolio once a month and it is NOT a copy of my portfolio and a reason for 100% copying, since some PAMMs do not have time to get here, being short-term or high-risk, while others are excluded before the end of the month. This portfolio contains successful PAMM accounts that, in my opinion, deserve attention.

This portfolio of PAMM accounts is a rough guide and indicator of opportunities. Here are collected PAMM accounts according to the criteria of stable profitability over the course of a year, in which a large number of investors invest.

You can also add more aggressive PAMM accounts, eliminate unprofitable ones in a timely manner and add new profitable managers.

Investing money in the stock market

In this article we will talk about where to invest money with the greatest benefit.

Investing in stocks is a classic way of investing. The average return here can be from 10 to 20% per year, but it can be much higher.

What are shares on the stock exchange? This is essentially the foundation on which the world rests, because each of us has remedies for Nivea, Johnson & Johnson, Gillette..., everyone has phones Apple, Samsung, Lenovo… there are computers in the rooms Acer, Asus, HP, on operating systems Windows; furniture from the store IKEA and clothes in the wardrobe from Versace, Lacoste, Polo Ralph Lauren Corporation.

All we want to say is that we are all consumers of private company products.

If you are looking where is it profitable to invest money, then shares are a great way to earn money not only on the company’s products themselves, but also to provide yourself with a constant significant income. This is an interesting process that will teach you to think like an investor, to understand different markets, compare prices and choose the best.

How to invest in shares?

Everything is very simple, shares are traded on stock exchanges, and they are sold through special intermediaries - brokers. You don’t need to travel anywhere, stand in lines, run around with documents... You can buy shares without getting out of bed. Register, top up your deposit and buy shares.

• It is worth noting that the best idea will not always be from well-known and already successful companies.

After all, it’s not only about the name, but also about profit. For example, capitalization Google about 500 billion dollars. Imagine What does a company need to do to grow by 2 times?

Now let’s take a small chain of clothing stores or restaurants; in order for their shares to grow 2-3 times, it is enough to expand the sales market, open several new sales points, and this is quite possible to do within a year.

This is why some new startups and companies can bring not 20% per annum, but more than 1000%.

For completeness of information, we decided to show our example of earnings on stocks.

We went to the website of a broker with whom we have been working for many years -. In assets, we selected Ferrari shares and clicked on the button BUY:

A few days later, the stock price rose, as did our profits:

To make a profit on your personal account, you need to sell shares, that is, close our transaction:

The transaction results can be viewed on the same page of the trading platform in the tab Transactions:

Watch a video about investing in stocks from Robert Kiyosaki:

Advantages of investments. Investing in stocks has been working for over 150 years. Every third American and every second Japanese owns shares of some company. And as you know, pensioners in these countries are quite happy with life. Dividends and profits from owning shares can be earned throughout your life. Buying and selling does not take more than 10 minutes. You can start now from 200 dollars.

Minuses. Investing in shares carries the risk that the company may become worthless. But this is why it is carried out, an investment portfolio is compiled. In this case, even if one company loses position, the remaining companies in the portfolio will provide the investor with a positive return.

Real estate

Real estate - traditional way where can you invest money. It is difficult to say anything new on this topic. We included real estate in the list of places to invest for obvious reasons. Real estate is a valuable asset for anyone. Property can be rented out, be it an apartment, office, garage or shopping mall. Real estate, although not immediately, does rise in price, especially if it is purchased in a new area, where in 10 years there will be a fully populated and active center.

Although, of course, in today’s realities, even for the next decade, the purchase of real estate in 99% of cases can hardly be called an investment. After all, the maximum that the majority gets is this is the safety of funds.

Advantages of investment. Reliable investment with minimal risks. If handled skillfully, it is possible to make monthly profits before the final sale.

Minuses. These are slow investments that in most cases turn out to be simply saving money and do not increase the investor’s capital, but, on the contrary, freeze it.

Startups

Startups are young innovative companies. Many people call themselves a startup not by offering something radically new, but by presenting new version « old". In reality, a startup is a company with a product that did not exist before. The same Google or once were startups, offering the world something that did not exist before. Over the course of two decades, those who invested in well-known startups at their origins became millionaires.

Today, new companies are being born in the world that have a chance for rapid growth.

How to invest money in a startup?

The most profitable way is to wait for the moment that confirms that the company is successful, really has demand and will develop. We're talking about...

In the first days of an IPO, company shares can rise by more than 100%.

And you do not need to hold the shares further, on the contrary, after the first days IPO shares need to be sold to fix profits, since more than 70% of companies cannot withstand further expectations of investors and the market, and fall in price to a reasonable level, and in the following years they do not grow at all, of course we are not talking about all of them without exception.

• Startups are an interesting way to make money on investments, because the growth of a company can be enormous in a short time.

You can inquire about new startups, upcoming IPOs, analyze companies and invest in the best of them. One successful investment can recoup the losses of 10 unsuccessful ones many times over. It is these meteoric rises that make this niche very profitable for investors.

Pros of startups. If there is income, then it will be high. You can invest both at the origins and later on the IPO of the company.

Minuses. You need to soberly assess whether the market is ready for the company’s product and look at the numbers, not the presentation.

Binary options

Binary options cannot be called an investment in the classical sense of the word, but it is still the most profitable investment today. so simple that they have only 2 conditions - UP And DOWN, hence the name - binary. The idea is that you select an asset ( the same stocks, oil, gold, stock indices… ) and indicate the condition - the asset price will rise or fall.

• The term of the transaction determines the scope For example, you invested in a stock option with the condition that the quote increases for 15 minutes. If after 15 minutes the shares rise in price relative to the rate at the time of purchasing the option, you will receive a predetermined fixed profit in 70-80%! Moreover, it doesn’t matter how much the asset will grow, the only important condition is – Higher, that is, the growth can be at least 1 point.

Thus, you can make money not only on a rise but also a fall in price, using the DOWN option condition.

Among the assets of binary options are the most liquid stocks and stock indices, commodities and currencies. And this is very convenient, because news about these assets is published daily, which allows you to earn money.

For example, a new iPhone goes on sale tomorrow - this is a clear sign that Apple shares will rise tomorrow. Buy an UP option on Apple shares and earn a guaranteed profit.

The interesting thing is that you invest money in binary options possible on time from a minute to a month, while the profit margin remains unchanged - within 70-80%, depending on the asset. Instead of a lot of words, we will show you how this happens using the example of a broker:

1. Select an asset. In our case, the choice fell on shares Google:

We indicate the duration of the transaction, that is, the time it ends:

At the moment, Google stock quotes are growing, while the price has touched the lower support line. We predict growth - enter the investment amount and click UP:

We opened a deal for 10 minutes. At the appointed time, the option was automatically closed and the broker showed the results of the transaction:

At the time the option was purchased, the stock price was 779.205 . In the conditions, we indicated that at the time the option closes, the price will be higher. According to the results, she was listed at 780.260 . Having invested $60, we returned $102 of which $42 was net profit:

Our growth condition was met and we received 70% profit!

Advantages of investment. 70% profit in 10-20 minutes is an undeniable plus. The ease and simplicity of the process makes this type of investment the most accessible.

Minuses. For successful investments, it is necessary to analyze the asset, use strategies, and other tools; not every person is able to correctly understand the market.

PAMM accounts

We continue the review best options, where everyone can invest money profitably, and one of these options is. The creator of this opportunity was the largest broker in the foreign exchange market in Russia - which is regulated Central Bank Russian Federation and has a license from it to carry out operations in the financial market.

A PAMM account is a trader’s account into which investors can invest money.

Thus, the trader trades on the exchange not only with his own funds, but also with investors’ funds. The PAMM account manager gives from 50 to 90% of profits to their investors. An unlimited number of people can invest in a PAMM account, and profits are divided in proportion to deposits. For example, a PAMM account managed by more than 4 million dollars:

The broker provides full monitoring of the PAMM account, which reflects profits by day, week, month, transaction volumes, investment volumes and other data. Among many successful PAMM accounts there are managers with more than three years of experience, that is, PAMM accounts have been generating profits for many years and, in general, this is not a new thing today.

In any case, PAMM accounts continue to bring good profits, average yield an investor who has a portfolio of 10-15 managers from 50 to 100% per annum.

If you reinvest the profits, you can earn more 810% in just 3 years:

Advantages of deposits. This type of investment has already proven itself over time and profitability. Investment amounts are affordable for the majority of the population. You can withdraw money instantly at any time.

Minuses. IN portfolio investments There are practically no downsides. One downside is that some investors invest in non-professional managers with unstable trading.

Bank deposits

A bank deposit should be considered not so much an investment as a way of storing money, allowing you to more or less protect it from inflation. Profits of up to 10% per annum can hardly be called serious. However, this option still remains very popular among the population, even though banking system The country is going through far from the best times today.

Traditionally, investors enjoy the greatest confidence Sberbank, VTB, Gazprombank. They offer to place deposits at not the highest interest rates ( from 7 to 8%), but stand out favorably in terms of reliability. We do not recommend participating in long-term programs, even if they offer more profitable terms. The current situation in the sector is such that it is better to limit ourselves to “bird in hand”. In any case, placing money in a bank is just a way to store it. If you are interested in investing specifically, you should look for other offers.

“How many millionaires do you know who became rich by investing in bank deposits? That’s it.”

Robert J. Allen

It's different if you invest through investment banks like Goldman Sachs. It is worth saying that investments there also do not bring a huge percentage, it may be the same 8-10% per annum and some risks.

Why is this being done?

It's all about the amounts. If you have $20 million, you wouldn't invest all your money in one account with Sberbank, right? We all know about instability and the rules of diversification. Besides, Goldman Sachs, Barclays and similar ones can offer favorable conditions for the investor, professional portfolio management, etc.

Advantages of deposits. Reliable and virtually risk-free.

Minuses. Low percentage, under the terms of some deposits you can withdraw money only after 1-3 years.

ETF funds

If you are looking for a better place to invest your money in stock market, you should probably be interested in such an option as exchange-traded investment funds (). They represent a portfolio of assets that basically replicate as closely as possible some stock index, for example or. Thus, by purchasing one ETF share, you immediately receive a whole diversified portfolio formed by real professionals.

Essentially, ETFs are the same mutual funds - you receive a share in the portfolio (in ETFs this is a share, in mutual funds these are shares), but there are a number of differences.

• Like a regular mutual fund, it is professionally managed by a management company.
• If in mutual fund the size of the minimum investment is established by the management company or the sales agent, then ETF it is equal to the cost of one share.
• Also, you cannot sell shares from a mutual fund at any second, unlike shares on the stock exchange.
• Mutual funds themselves can have ETF shares in their assets, only in this case they take their percentage for it.

In a word, ETFs made a sensation on the stock market, being full-fledged portfolios.

An important advantage of exchange-traded funds is the ability to trade throughout the day. During this time, the price of ETF shares may change, while the size of a mutual fund unit is calculated only once per session. Units cannot be purchased on borrowed funds or in debt. This is acceptable for ETF shares. Additional commissions may apply when trading mutual fund units. Dealing with shares of exchange-traded investment funds is exempt from such “extortions”.

Where can I find ETF shares? That's where all the shares are - on the stock exchange. The actual process of buying Google shares is no different from ETF shares. We described this process not much higher, where there is a list of the best brokers.

Advantages of investment. Ready-made investment portfolios of shares. There are thousands of ETFs with different portfolios. Reliable long-term investment.

Minuses. It is necessary to monitor the industry in order to sell in time if a decline begins, and as a rule, if there is a decline somewhere, it means that there is growth somewhere, that is, you can sell some ETFs and immediately buy others.

Art

If you want not only to make money, but also to receive aesthetic pleasure from the process, we recommend that you think about purchasing art objects. Suffice it to say that the main buyers of such things are not passionate collectors and wealthy connoisseurs, but financial market players. You don't have to be an expert on it to be able to do it. You can always use the services of competent consultants.

The most common product is, of course, paintings. On average, a creation by a popular contemporary artist today will cost from $5,000. Years later, the cost of a masterpiece can increase hundreds of times.

For example, Andy Warhol's painting "Lemon Marilyn" was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

It makes sense to acquire works by masters of the second half of the last century - now is the time “ their" time. Naturally, you should not count on a quick return on such investments. In any case, you will become the owner of a valuable work of art, that is, a fairly reliable asset.

According to statistics from gallery catalogs, even paintings that were three years old are already rising in price by an average of 40-60%; as you understand, there are also paintings among them with an increase of 1000%. As auction houses explain, the increase in the value of paintings is directly related to the artist’s activity. If he regularly exhibits at exhibitions and receives new awards, then with each such step his paintings can become more expensive 100%

Advantages of investments. Very rich and developed individuals invest in art. In addition, they can bring high interest, especially if the artist is gaining popularity or even died.

Minuses. Long-term investments, which require consultation with an art expert. It is profitable to collect collections of paintings by one or more artists, which can be expensive.

Investments in trading

Trading is an investment in yourself.

Now many people will think that trading is money from speculation on the stock market, profit from the amounts invested in exchange assets... But first of all, trading is profitable investment in yourself.

Many people say that investing in yourself is beneficial. How? Specifically in numbers? Invest in education and get a job? - This is life, not investment.

Unlike other jobs associated with preliminary training, trading provides unlimited opportunities, where it is not necessary to have economic Education. The thing is that trading begins with personal preparation. You must be prepared psychologically, and everything else is a matter of technology.

• Today there is no difference between a financial analyst and an Internet user, since all information is stored and presented only on the Internet. This makes almost everyone equal!

In order to start trading, you need to read at least about it, create an action plan, a financial plan and start collecting information about the market and assets. Of course, not everything is so simple, but it is already a start. There are many examples where people earned millions in a couple of years and went on indefinite leave without worrying about anything.

Can a lawyer with three years of experience, or a doctor, or a manager boast such successes?

For example, a broker allows you to trade stocks, indices, commodity futures such as oil, gas, metals, agricultural goods, energy and others:

Why did we begin to consider trading as an opportunity to invest money? Because it’s profitable, it’s accessible to everyone, it’s interesting, and it’s right here money is born. All banks are engaged in trading on stock exchanges, trading currencies, bonds, and so on. So why invest in banks when you can earn money yourself through the banking system?

The advantages of trading. Unlimited opportunities to work for yourself, without a schedule and in comfortable conditions. Due to the huge amount of information about markets, it is not necessary to have financial education or special connections.

Minuses. Successful trading requires psychological preparation, a sufficient deposit to survive losses and overcome risks.

Individual investment account

Since 2015, a new concept has appeared in the legislation of the Russian Federation - individual investment account. By placing funds in such an account, you receive a guaranteed tax deduction 13% from the invested amount ( annually) or are exempt from tax on income received as a result of financial transactions.

Let's look at the benefits of placing money in an individual investment account:

• To open here, all you need to do is enter 5,000 rubles.
• The maximum amount that will be deducted is 400,000 rubles.

You can only top up your account with cash. The broker offers four investment options.

1. If you just want to receive passive income, choose a savings strategy and you will receive 5.5% per annum. Don't forget about the guaranteed tax deduction of 13%.
2. Under the conservative option, the investor's funds will be invested in reliable, low-risk instruments with fixed income. This may additionally bring up to 15% per year. Such activity is recommended if the account has more than 100,000 rubles.
3. The optimal strategy can generate income up to 30% per annum, however, the risks increase significantly. It is worth using it if you have more than 250,000 rubles.
4. The most risky is an aggressive strategy that can bring up to 50%

Real estate, business.

Bank deposits

This is the simplest, most basic and reliable way of investing. You give yours to the bank under a certain percentage. Bankers “scroll” this money by investing in others financial instruments. For which you receive a pre-agreed percentage of profit.

For example, you invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but at 20% per annum. As a result, the bank returns your funds to you with accrued interest after a year, and pockets the remaining difference.

The advantage of investing in a bank is that you know exactly how much money you can get after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular deposit at deposit calculator, and also if you need to calculate the amount of overpayment on a particular loan, then use loan calculator.

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way of investing. In short, mutual funds are a collective financial instrument when investors’ money is invested in one large pot and then professional managers increase this one large amount of funds using various methods.

The funds of shareholders (as those who have invested their money in a mutual fund are called) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but managed. Any fool can just buy shares. The task of professional managers is to find stocks that have fallen in price at the time of purchase and are likely to rise further.

In order to determine this probability, technical and fundamental analysis, the economic situation is studied both in the world and in a particular region, news is monitored, as well as many other parameters that are too complex for the average person.

This is the essence of mutual funds, to save people ignorant of these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is easier to transfer this money to those people who are immersed in the topic of investing headlong and have extensive experience behind them. At least at the initial stage.

Further, as your experience in financial matters, you can start buying stocks, bonds and other investment instruments on your own. We will talk about this in more detail a little later, but for now let’s return to mutual funds.

Compared to other financial instruments, investing in stocks is more profitable in the long term, but at the same time it is also very risky.

Here you need to constantly keep your finger on the pulse, monitor the situation in the markets, so as to prevent the loss of capital due to a strong fall financial markets, which occur during all kinds of crises.

To more clearly understand what kind of profit you can get from shares, watch the video “How to earn 678% profit on Sberbank shares.”

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are risk averse. It is very difficult to make a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, this financial instrument can hardly be called a profitable investment.

However, this does not mean that money should not be invested in bonds. The point is that it is not recommended to “keep all your eggs in one basket.” Experienced and successful investors always distribute their funds across several different instruments in order to reduce their risks.

Imagine, you invested all your money in shares, but after some time there was a crisis in the market and their prices fell. At the same time, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but will win on other instruments. But let's get back to bonds:

A bond is a debt security that confirms the right of its owner to receive a certain amount from the issuer. sum of money.

And in order to understand how to correctly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from English.FOReign EXchange- exchange foreign currency) is a market for interbank currency exchange at free prices.

The essence of Forex is speculation with currencies various countries. For example, you bought 100 euros for 90 dollars. And after some time, these 100 euros were sold for 120 dollars. Thus, earning $30 on this transaction.

Forex trading is always ongoing currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state is not receiving profit, but the country must be supported somehow. Since Greece is part of the European Union (EU), everything in this country is bought and sold in euros.

Thus, the instability of the economy of one state influenced the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro relative to the currencies of other countries. It is on such movements that money is made in Forex.

This method of investing can only be called profitable if you trade Forex yourself, when you already have extensive experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune on Forex. But there are millions of those who tried to get rich from this and went broke. Draw your own conclusions.

Endowment life insurance

This method of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program for accumulating, preserving and increasing your capital.

If regular insurance simply pays you a certain amount if insured event, then in this case, if nothing happened during the entire period of the contract, you will be able to receive either the entire amount accumulated over these years, or receive monthly payment until the end of life.

OFBU

OFBU stands for General Funds of Banking Management. In essence, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing money in OFBU you have the opportunity to increase profits through wider combinations of investment funds. On the other hand, it is more risky.

There were cases when OFBU showed a profitability of 600% per annum. However, the main problem is that the activities of OFBUs are little regulated by law, which is why they are less subject to control, unlike the same mutual funds.

There are also cases where the short-sighted activities of managers led to the complete collapse of the OFBU.

You can read more about the activities of general banking management funds here:. On my own behalf, I will add that at the moment it is best to invest in OFBU such an amount of money that you will not mind losing if something happens.

Hedge funds

I’ll say right away that in our country this is a relatively new and not sufficiently developed financial instrument, which is available only to wealthy clients.

Minimum amount Entry here starts from a few hundred dollars to a million. In the West, hedge funds are extremely popular.

Hedge funds do not have a clear regulatory regulation, which allows them to freely choose enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super-profits and colossal losses.

One of the most striking examples of hedge funds is the Quantum fund, whose founder is the notorious, who was able to make a profit of $1 billion in a day!

Structured (structured) products

A structured financial product is a complex financial instrument that is issued, as a rule, by commercial and investment banks and created to meet the specific needs of clients.

This financial instrument became especially popular during the crisis. After all, when you invest money in a growing market and constantly receive good profits, this is one thing, but when the situation in the markets is not stable, especially during crises, many investors try to find reliable ways to invest funds, which will give them greater profits than bank ones deposits.

The essence structural product It’s simple - part of the funds, usually 80-90%, is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst case scenario, to stay with your money and not lose anything; in the best case, make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

Although, again, what to compare with. For example, the most successful investor in the world, Warren Buffett, has provided his clients with about 24% per annum over the past 35 years. 24% per annum doesn’t seem like a lot, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal was a symbol of wealth and power, so it became the cause of quarrels, robberies, murders and even wars.

Gold should not be considered the most profitable way to invest, despite the fact that it has risen in price in recent years. The fact is that most often gold acts as a refuge for investors in difficult times.

When crises dominate the world, in order to wait them out, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis subsides, investors immediately look for more profitable ways to invest their funds. This is what causes gold prices to rise in difficult times. But then, the price precious metals inevitably falls.

Real estate

Real estate has always been a profitable way of investing. Not only does real estate itself not depreciate in value and, as a rule, only increases in price from year to year. But real estate also allows you to receive passive income from renting it out.

True, there is one serious “but” here, which is the high cost of real estate. Essentially, this is an investment for wealthy people. This is why this method of investment should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

True, there are exceptions. For example, you can profitable investment to real estate at the stage of its construction. At this time, as a rule, there is no need to make full cost for housing and you can pay a certain part monthly.

Thus, if you have the opportunity to contribute the required amount and this will not affect the quality of your life, then you can safely look for suitable options. The fact is that during the construction stage square meter housing costs much less than later, when construction is completed.

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profits changes. The riskier a financial instrument, the greater the return it can bring. However, as well as a loss.

Each of these financial instruments has its own advantages and disadvantages. And under different life circumstances, it is worth choosing optimal ways investing. But, for myself personally, I have already determined the most profitable way To invest money– this is business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments are not up to you. They depend, for example, on the current market situation, on conditions determined by other people, on the financial results of a particular company, on the actions of speculators, on marketers developing certain financial products.

Creating your own business is entirely yours.

Here you set the rules by which you will play. Here you decide what income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word remains with you, even if you decide to sell it.

In 2007, I opened my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressing salons, in which I installed a solarium, all the necessary accessories, appointed an administrator and began to earn money.

This business has many advantages. I will talk about them in the next issues. For now, I just want to draw your attention to the fact that this business has brought me good dividends. I received more than 100% per annum in a year.

It was a great challenge in which I was able to showcase many of my talents. Organizational skills, management skills, design talents, tested my advertising vision.

Cash depreciates over time, that is, it loses its purchasing power due to inflation. This process occurs constantly. That is why storing your savings under the mattress is unprofitable and unwise. Funds need to be invested profitably. Only in this case can they be preserved and increased.

You should not think that only wealthy people can invest money profitably in Moscow or another city in the country. Every person should be able to manage their savings correctly. At the same time, the main danger for any investor is a lack of information. That is why you need to study in detail the experience of successful people, the basic rules of investing money, expert opinions, and so on. You should start your journey by reading this article. If you are interested in information about how to properly work with online investments, then follow the link. Important: come back, there's a lot of useful stuff here!

Basic principles of investment

There are 5 basic principles, which should be followed by every person who wants to get a good return on investing money with the least risk. They are formulated taking into account the experience of the world's leading investors. Ignorance or disregard of these rules can be costly. Let's look at each principle separately.

Principle 1. Create a financial cushion.

No specific financial base Investing money is strictly prohibited. The only exception is Bank deposit. After all, this is, rather, not an investment, but a savings instrument. Investments often involve risks, and when investing money you should be aware that there is always a chance of losing it.

What is a financial cushion and how to create it? We are talking about a six-month supply of money on which you and your family can live, maintaining your usual standard of living without other sources of income. To create such a cushion, you need to regularly postpone financial income (for example, salary) or sell existing property.

If your family spends 50 thousand rubles a month, you need to collect at least 300 thousand rubles. Only after this is it worth thinking about what you can profitably invest your money in.

It is worth noting that profitable investment money you can do without a financial cushion only if you have passive income. It is called the flow of incoming funds that does not depend on daily efforts. This could be income from your own business, renting out an apartment, or dividends on shares.

Principle 2: Diversify your investments.

In order for your money to work correctly, think about what you can invest it in in order to comply with the principle of diversification, that is, division into different instruments. This concept you're probably familiar with it. In other words, it means "don't put all your eggs in one basket." After all, if it falls, you will be left with nothing. The same thing will happen with your funds if they are invested in one project. Always adjust your investment portfolio: let’s say your investments have grown over the year in one of the industries. Then you need to add some money to other projects so that the invested funds do not accumulate in one area

Diversification involves investing money not only in different financial instruments, but also in sectors of the economy. For example, if your money is invested in the stock market, structure your portfolio so that it works in companies in different sectors.

What is an investment portfolio? It represents the totality of all the investor's assets. If you have invested money in a business, stocks, real estate, all these instruments for making a profit will be called an investment portfolio.

To make it as resistant to market changes as possible, it is recommended to distribute savings between the banking, oil and gas, manufacturing, agricultural and food sectors. If one area suffers losses, the others will “pull” funds up and prevent the investment portfolio from sinking.

Principle 3: Control risks.

Risks are the main problem that absolutely all investors face. Before you invest, consider how much of your investment you can lose and where you can make up for it. Only after this is it worth predicting possible profits.

Unfortunately, novice investors make the same mistake. Overestimating their strengths and experience, they immediately choose aggressive investments instead of investing in more conservative instruments. As a result, the investor loses all his savings.

Profitable investment of funds is the same science as any other professional matter that requires a serious approach. That is why it is necessary to evolve in this direction gradually, moving from simple to complex.

Start with $100 or $1,000. Not worth investing large amounts, especially something you know little about. Never take loans or credits with the hope of increasing them in some super profitable way. In 99% of cases, this ends in the loss of the entire amount and debt obligations. Agree, no one wants to stay in debt for a long time. 500000 or even 1000000 rubles

Thus, there is no need to rush. Future millions will not run away if you take the time to become a good specialist in this field. Otherwise it is impossible to earn a lot of money.

Principle 4. Attract co-investors.

As you gain experience, funds can be invested together. This way you will have more options and be able to choose the most profitable investments.

For example, you know about a profitable and reliable project or tool, you have free funds, but they are not enough. Then it’s worth finding people willing to support this investment idea and invest on an equal basis with you.

Trading accounts have become a fairly common topic lately. In this case, people transfer their savings to a professional manager for trust management. However, he cannot dispose of them as property. Funds can only be used for profit. The manager receives a percentage of it as a reward for good work.

This way, multiple investors can create a trading account and place it in trust. They take on all risks in proportion to the money invested. At the same time, investors can agree with the manager that he will stop working if he receives losses in a specific percentage.

IMPORTANT: If we summarize this scheme, we can see that experts agree that it is better for investors to be willing to sacrifice, for example, 15% of their savings in order to earn 30%.

Principle 5: Create passive income.

Increasing capital is very good. However, it is equally important to create passive income from investment activities.

Let's say you invested 100 thousand rubles in 2018, and after 1 year, in 2019 you received 130 thousand rubles. In this case, the earnings are 30%. But there is no guarantee that next time you will receive the same amount. It should be borne in mind that the yield of 30% is much better than the bank one. This means that the risks are higher. If something goes wrong, you could lose all or most of your savings.

ADVICE: On the other hand, if for 100 thousand rubles you could create passive income for yourself (for example, the same 30 thousand rubles a year), you can easily take out a loan for the same amount. These funds should be invested more conservatively. The asset and passive income will act as a guarantee of the return of the borrowed money.

How much can you start investing with?

You can start investing your savings in Moscow or any other city in the country with any amount. If as investment instrument you have chosen a bank deposit, earning money on the Internet or promotions, even 100 rubles will be enough.

What to do if you have no money at all? In this case, you need to start saving at least 10% of any income. Thus, the habit of creating a financial reserve will be formed. As income increases, savings will increase proportionately. The invested funds will work, and you will relax.

All famous people who teach how to handle finances correctly and show by their example where it is better to invest speak about the need to save money. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.

Unfortunately, many people start spending even more as their income increases. Some even take out loans because they always lack money. In this case, it is impossible to become a successful investor and earn the desired amount. That is why you need to constantly monitor the balance between income and expenses and live within your means.

Where to invest money to make it work?

Today you can find a lot of information about where to invest. There are both traditional and more modern methods.

Banks

A bank deposit is the most popular way to invest your money. However, the income generated is barely comparable to the rate of inflation.

The advantages of this method include:

• high reliability;
• high liquidity;
• minimum threshold for investing money;
• simplicity and clarity of the investment instrument.

Disadvantages of a bank deposit:

• low profitability;
• loss of interest on early withdrawal funds.

Real estate

You can invest money in residential or commercial real estate. Of course, in the second case you can earn more. However, purchasing commercial real estate requires a lot of knowledge.

Pros:

• the opportunity to make money from the difference between the purchase and sale costs;
• the opportunity to receive passive income by renting out real estate;
• protection Money from inflation;
• the opportunity to invest in real estate for your own needs.

Minuses:

• low liquidity;
• high entry threshold;
• exposure of objects to mechanical damage.

Mutual funds

Such organizations represent a form of collective investment and use funds from private individuals. In other words, mutual funds take money from shareholders and purchase shares of certain companies with it. The profit received is distributed in proportion to the contributions of the participants.

Pros of mutual funds:

• interest at the end of the reporting period is often higher than in a bank;
• large selection of investment instruments;
• small initial amount for investment.

Disadvantages of mutual funds:

• the complexity of the investment process compared to bank deposits;
• relatively high risks.

Trading accounts (Forex market)

In this case, the money is transferred to the management of a professional trader. He makes currency transactions on the Forex market. At the same time, account holders can control their savings and, if necessary, stop the manager’s work and withdraw earned money.

Pros:

• small entry threshold;
• high profitability;
• the ability to change the manager at any time;
• the ability to withdraw money at any time;
• no need for special skills and knowledge.

The only disadvantage of trading accounts is the high risks. Every manager can lose money, regardless of his experience.

Binary options

In this case, the trader determines whether the value of the underlying asset will be higher or lower than its current price at expiration. If the forecast comes true, he makes a profit. Very simple and quick way earnings, however, there are corresponding risks: without a clear strategy, you should not invest thoughtlessly.

Pros:

• large selection of trading instruments;
• the ability to plan potential profits;
• the ability to trade anywhere and at any time;
• simplicity and short-term trading;
• small entry threshold.

Minuses:

• high level of losses;
• lack of possibility of early closure of the transaction.

Issuing microloans through the exchange

In this case we are talking about P2P lending, that is, when the lender and borrower are ordinary citizens. They cooperate through various exchanges without the participation of banks.

Pros:

• a small entry threshold has been established;
• the lender independently decides to whom and under what conditions to issue money;
• access to the system and work with clients is carried out around the clock;
• the lender can diversify capital, that is, consider an unlimited number of applications and enter into any number of transactions.

Minuses:

• insufficient protection for investors (often they have to independently chase after people who do not repay loans);
• inability to fully verify the borrower's solvency;
• many exchanges are hype projects.

Business

Do you have an entrepreneurial spirit and some commercial experience? Then most profitable investment can become your own business. There are also certain risks here. However, the investor can manage them flexibly because he makes decisions independently.

Pros:

• the investor independently manages funds, building and optimizing business processes;
• It is quite easy for a business to find a pool of investments, which allows them to attract additional funds;
• It is easier to get a loan for a business than for other investment vehicles.

Minuses:

• high risks of losing funds;
• low liquidity of many assets;
• the need for personal participation in running a business.

Securities

Using this tool requires professionalism and skill. There are many examples when shares of some companies grew several times in a short period of time. However, there are hundreds of other organizations that have failed. Nobody advertises this. There is no guarantee that the money invested will bring profit.

Advantages of securities:

• you can get high profits;
• you can come up with an investment scheme yourself;
• you can even invest a small amount money;
• The resulting profit and loss depend only on the investor.

Minuses:

• certain knowledge is required;
• expected income is unstable.

Precious metals

Precious metals have always been highly valued, and their value increases every year. That is why this method is one of the most reliable. Money can be profitably invested in gold, silver, platinum and palladium.

Pros:

• availability of various forms of investment (bars, coins, compulsory medical insurance, securities, which are backed by precious metal);
• relative stability of the exchange rate;
• preserving the value of metals for a long time;
• protection of funds from inflation.

Minuses:

• relatively low level of liquidity;
• slow growth in value;
• high tax on the purchase of bullion;
• high spread when purchasing coins;
• when opening Compulsory medical insurance receipt Profit is possible only if the value of the metal increases.

Art

As investment asset paintings, sculptures, antiques, vintage cars, and so on are considered. Money invested in art can be easily withdrawn by selling exhibits at auction.

The advantages of this method:

• the opportunity to get extremely high profits;
• increased resilience to economic and political shocks;
• minimal risks.

Minuses:

• large entry threshold;
• low liquidity;
• difficulty assessing value and authenticity;
• long-term investment.

Venture funds

Venture funds accumulate investor funds in their accounts, which are invested in the development of startups. The most popular are innovative and high-tech projects, because their prospects are much higher, and technological startups require initial capital to get started, but the revenue is much higher.

Advantages:

• maximum return on investment if the project is successful;
• small entry threshold;
• the opportunity to gain useful experience.

Flaws:

• big risks;
• relatively long time for the project to reach self-sufficiency.

Hype

is an investment fund that operates on the principle of a financial pyramid. In this case, the money is paid from the funds of new investors. How to make money in similar projects can be easily found on the Internet, this industry is built on advertising noise and each developer tries to make the project as accessible as possible.

Pros:

• crazy profitability (1–3% per day);
• high speed of profit generation;
• low entry threshold;
• complete anonymity of all participants in the process.

Minuses:

• high level of risk, since it is difficult to predict the operating time of the hype;
• no chance to get back lost funds.

Cryptocurrencies

- this is the same money, only in digital format. We are talking about Bitcoin, Litecoin, Namecoin and so on.

Pros of investing in cryptocurrency:

• the opportunity to make money on exchange rate differences;
• small or no transaction fees;
• small entry threshold;
• uncontrolled exchange of money between users.

Minuses:

• high volatility;
• lack of guarantees for the safety of funds;
• mandatory presence of certain knowledge.

Websites under CPA

If you are looking for where to invest your money, you can also choose to invest in an information site, forum or blog. It must be created for a CPA affiliate. Such sites host classified traffic and affiliate links. The owner receives money for a certain user action (for example, purchasing a product, watching a video, downloading a file, filling out a questionnaire, and so on).

Advantages:

• various actions are paid, not just the purchase of goods;
• you can select several affiliate programs at once;
• Affiliate links can be placed even on sites with low traffic.

Flaws:

• opacity of relations between CPA network partners;
• possible payment failures.

MFA Sites

MFA sites are designed to make money from Google Adsense contextual advertising.

Pros:

• high cost of clicks due to competition among advertisers;
• minimum requirements for sites;
• availability of analytical tools;
• speed of adding a site to the system.

Minuses:

• the minimum withdrawal amount is $100;
• earned funds can only be received by submitting a personal check sent by mail for collection;
• There is a risk of account blocking.

Such sites are created to sell rental or permanent links. Previously, this method of earning money was very popular. However, today there is a decrease in income due to increased risks for buyers.

Pros:

• instant income;
• ease of earning money;
• constant rise in prices.

Minuses:

• risk of falling under filters;
• decreased relevance of links;
• constant decline in positions.

Phone apps

The easiest way to make money is on simple phone applications that can help in some way in life. They can also combine helpful information on a specific topic. In addition, these can be free applications in which you can buy something while using it.

Advantages this method:

• the investor needs a small amount of money;
• you can make good money if the application is unique and useful;
• it is almost impossible to lose the invested funds, since everything depends on your efforts.

Flaws:

• a good idea is required;
• it takes a lot of time and effort.

This method can be called quite good. However, it is ideological, active executors that are needed. Making money on the Internet is a very promising direction if you pay due attention to it and approach it as a serious investment. 95% of public sites are now “dead”; their owners spent their own money on advertising and promotion, but did not receive the expected profit due to a frivolous attitude towards the project.

This method has the following advantages:

• creating a public page is very simple;
• investments are required only at the initial stage;
• You can make money by advertising or selling public pages.

Flaws:

• you need to publish material regularly;
• You can get banned from moderators.

Investing in your development

If you want to invest money, choose investing in your development. This is the most profitable and risk-free way. If you don't invest in your development, everything else is practically meaningless.

Advantages:

• the benefit reaches 100%;
• risks are reduced to a minimum;
• This is how anyone can invest money.

There are practically no disadvantages to this option. You must be prepared for the fact that self-development will require a lot of effort and time.

Where should you not invest?

Almost every person has heard about making money at an online casino at least once in their life. And if not, then you’ve probably come across advertising that promises crazy profits without much effort. You just need to go through simple registration, and then act according to a strict scheme. What is its essence? You need to place a bet. If you lose, it is doubled and placed on the same color again. According to Martingale's law, victory will definitely await you soon. If the casino allows you to win, you need to immediately change the color. After this, the player acts according to the already familiar pattern. He bets money, loses it and doubles his bet. This continues until the person runs out of funds or wins.

Among the methods of earning money on the Internet there are different casinos. Some of them take 10–15% of the profits, and redistribute the rest among the players. However, there are not so many of them. Most online casinos take everything and only create the appearance of playing. They work for a while, get paid, and then disappear. Soon such casinos will begin their activities again. However, they are now operating under a new name and using a different website. How to make money under such conditions is a big question. The main difference between casinos is that everything is decided for you before you place a bet, so keep this in mind.

I do not recommend investing in online casinos, because there is no easy money. But if you still decide to bet, then play no more than 2–10 minutes a day. It is during this period of time that the casino allows itself to be beaten. If you exceed it, you will lose all your savings. Casinos are masters at extracting your money, and gambling people often end up in the red. There are often cases when the thirst for easy money has led people into very unenviable situations. If you are a gambling person, it is better to refrain from making this money. Not only luck works here, but also a clear program and pseudo-random controlled by the casino organizers.

An analogue of a casino is lotteries. In this case, the organizers sell tickets, for example to 10,000 rubles. Among them there is one winning one. The winner receives 500,000 rubles, and the rest of the money goes to the organizers. The lucky winner is photographed and shown to everyone as an example of the company's honesty. This allows organizers to attract more more money. But the probability of winning the lottery remains very small.

One of the most profitable ways investing money is considered hype. Such structures operate on the principle of a financial pyramid. They attract investors' money by promising high returns on investments, which can reach 15-100% per month. Funds are paid as long as there is a flow of new depositors. We can say that hype is the same as a casino, since you can never predict what will happen in the end; your investments can either increase or disappear. Like any other pyramid, HYIP projects are a highly profitable industry, but with very high risks. I recommend making several test investments, or better yet theoretical ones. Find any transaction that matches your planned investment and watch it. It’s most convenient to track several projects, so you will learn to pay attention to trends and understand the mechanics of how HYIPs work. Be skeptical about the opinions of experts who advertise hype, remember that they get money for it.

The operating principle of such structures is quite simple and understandable. First, the pyramid itself is created. After this, active advertising of the hype online begins. People think that they are investing their savings in something real (for example, Forex, futures, stocks, etc.). However, nothing is actually invested and everything is in one place. As soon as the creators see that expenses exceed revenues, they close the project. All those who invested money in the hype and did not have time to withdraw it are left with nothing.

Such pyramids live from 1 day to several years. It is the type of project you are faced with that will determine whether you win or lose. It is worth noting that most HYIPs are closed on the first day due to the lack of experience of their creators. However, there is a small category of admins who have been running their projects for years. This suggests that progress does not stand still. The creators of such schemes are coming up with more and more new ways to work longer and earn more.

I have experience with these financial pyramids. At first, I didn’t get anything good from the hype, although there was still profit from time to time. Today I receive a stable income. However, as I already said, every time the administrators of HYIPs come up with something new, and because of this it is becoming increasingly difficult to distinguish them from normal investment projects. That is why, if you have never worked with financial pyramids and do not know how everything works, you should not invest in such projects.

Remember that you can invest money in HYIPs, but only their creators benefit from such investments. Also, profits can be received by those who managed to enter and exit the project on time. Unfortunately, there are not many such people. If you still decide to participate in the hype, choose a project with a longer history of work on the market. In addition, it is necessary to closely monitor its activities. If you have the slightest doubt, you need to promptly withdraw your savings with interest. However, this does not guarantee the safety of your finances.

Also, you should not invest in illegal and morally unacceptable projects. We are talking about trafficking in drugs, weapons, counterfeit goods, the organization of brothels, shell companies that launder money, fraudulent schemes in the real estate sector (for example, eviction of single pensioners, re-registration of housing, corruption in construction) and so on. Even if you are promised high profitability and stability, you must understand that, firstly, you will have to answer for it, and secondly, it will be unpleasant and restless for you to spend money received through the suffering of other people. To live in peace, look for honest and socially acceptable ways to make money. Only then will you find financial freedom and spiritual harmony.

Assistance in creating an investment portfolio

Do you want to invest money profitably in Moscow, but doubt your abilities? Then contact me. I have been investing online for over 5 years and have consistently made profits. Readers of my blog can order a professionally assembled briefcase completely free of charge. To do this, just write an email [email protected]. In the letter, indicate the amount available, the desired return and a list of projects in which you have already invested. I will make every effort to ensure that the assembled portfolio is profitable and successful.

Many who have available funds want to invest money to make it work. It is important that the income received exceeds the inflation rate. At the same time, every investor wants the risk to be minimal. There is no way to avoid this situation without studying modern investment options.

Before you begin to analyze and compare investment options, you should remember a number of rules. They help you invest your money as efficiently as possible. Below are some expert tips that can help you avoid most investing problems.

1. You can only invest free money. In other words, the amount that can be invested is defined as the remainder of the income after paying basic payments and needs. You should also not risk your own money, borrowed or on credit. If you do not follow this rule, you can find yourself in a difficult financial situation. There are known cases when investor families were left without a livelihood. In addition, there is a risk of loss of funds, which will lead to the inability to pay the loan. The result may be a damaged credit history.
2. You should not expect that you will immediately be able to provide for yourself by receiving passive income. Most likely, at first it will be too small to ensure a comfortable existence. Therefore, at first, most of the funds earned will have to be reinvested, that is, used to increase the invested capital.
3. It is imperative to draw up an investment plan. It must clearly indicate all the parameters of investing money. First of all, such a plan must fix which investment options will be carried out and in what proportion. At the same time, it must be flexible enough and easily adapt to changing conditions.
4. In order not to lose all your invested funds, risks should be diversified. That is, you cannot invest all your capital in one investment project. It's best to choose at least 3 suitable options. The likelihood that three projects at once will turn out to be unprofitable is small. With proper analysis, at least one will bring profit.
5. It is important to constantly monitor the money invested. Regular monitoring of the situation allows you to make the right decision, as well as adjust your financial plan if necessary.
6. You should not get involved with dubious projects that promise huge profits. In this case, there is a high probability of encountering scammers, which means losing your invested funds.

These simple tips help even novice investors enter the market wisely financial investments. Don't forget that investing is also work. Without regular analysis of the situation, it is unlikely that you will be able to make money.

Top 10 most profitable investments in 2020

Instability economic situation leads to the fact that the profitability of investment products is constantly changing. It is important to calculate all possible options and coordinate them with the prevailing circumstances in the country and the world. In search of an answer to the question of where to invest money profitably in 2020, experts have compiled a rating of the best options.

Investments in small business development (Alfa.Digital platform)

For those who decide to start investing with an amount of 100 thousand rubles or more, investing in small businesses through specialized platforms is excellent. Most often, such options are offered by large banks. They develop investment products. By investing money in them, the owner of the funds essentially lends to companies selected by the bank.

Despite the fact that the risk in this case falls entirely on the shoulders of the investor, it can be noted that it is relatively low. This is due to the fact that the money invested is distributed among a large number of organizations.

An excellent example of a platform that offers to make a profit in this way is Alfa.Digital, organized by the bank of the same name. The following investment conditions are offered here:

• yield up to 30% per year;
• payments are made once a week with accrued interest;
• The minimum investment amount is from 100 thousand rubles.

Investments in P2P lending

The P2P lending service allows you to invest almost any amount. In essence, it is a so-called social loan. Both the borrower and the lender in this case are private individuals.

This option represents a very profitable investment. The interest rate on P2P lending is about one and a half percent per day. True, about half of them will have to be paid to the service that provides intermediary services.

Those looking for P2P lending services can explore two interesting portals - Vdolg.ru and Loanberry. The first site accepts investments ranging from 4 thousand to 10 million. This amount is enough to invest money and receive monthly income. Loanberry allows you to start investing in loans to individuals from 1000 rubles with interest from 20-30 percent per annum. Moreover, now there is such a function where, for a fee of 5%, you can connect insurance against default, when the site takes over the payment of the debt in the event of a borrower’s default.

Investments in Forex (foreign exchange market)

Many people have heard what Forex is. However, not everyone understands that it is not limited to independent trading. To earn money on foreign exchange market Trading requires a significant amount of serious knowledge. In addition, without experience, it is unlikely that you will be able to make money by trading independently.

However, you shouldn’t refuse to invest money in Forex; just choose one of two popular methods:

1. PAMM accounts represent a certain type of transfer of funds to professional traders for management. In this case, you can invest even a small amount. It is determined solely by the conditions of the selected PAMM account.
2. Those who dream of making Forex transactions on their own can use social trading systems or copying the transactions of professionals. In the first case, based on the opinions of experienced traders, forecasts of market behavior are made, which help beginners make the right decision. When copying trades, you should choose a trader you trust so that you can learn about all the trades he makes.

When opening positions independently, the investor has more opportunities to reduce risk. This is explained by the fact that if there is no confidence in a particular forecast, you can refuse to conclude a deal. In PAMM accounts, all decisions are made by the manager himself.

Investments in startups

Investing in a startup is a profitable investment that can bring significant profits if successful. A startup in the financial world is a business project or idea that is at the initial stage of development. It is quite natural that even the most best projects need an infusion of funds for their implementation. However, not all idea owners have available funds. Therefore, they are forced to seek help.

It is unlikely that you will be able to get a loan for the development of a project from a bank. This is due to the lack of confirmation of the profitability of new projects. Investors who prefer to invest in promising projects at their inception stage come to the aid of beginning businessmen. The main difficulty of investing in startups is that it is very difficult to determine which project will be profitable and which will bring a loss.

Investing money in mutual funds

A mutual fund or mutual investment fund is a promising investment that can be classified as a type of collective investment. Investors (in this case they are called shareholders) purchase part of the fund’s property, called a share, and wait for its value to increase. In fact, such investments must be long-term, in which case the probability of making a profit is the highest. The advantages of mutual funds are:

• high degree of protection from the state;
• no need to have special knowledge;
• low entry threshold - the cost of a share starts from two thousand rubles.

The profitability of a mutual fund depends on the investment strategy it applies. There are moderate, conservative and aggressive funds. In the order in which they are transferred, profits increase. But do not forget that the risk is directly dependent on it.

Experts recommend that if an investor, when choosing where to invest profitably and safely in 2020, has given preference to mutual funds, choose for investment funds that invest the collected funds in the field of IT technologies. Today they are the most promising. In addition, such mutual funds have the best combination of profitability and risk.

Investments in investment or savings insurance

Investment and endowment insurance represent a combination of profitable financial product with insurance. When signing a contract for investment insurance the client receives a number of benefits:

1. guaranteed return of 13% from the state due to tax deduction;
2. investment returns due to the management of your money by an investment or management company;
3. the opportunity to open a deposit for a longer period than regular deposits.
4. Free life and health insurance;

Endowment insurance allows you to solve two problems:

• protect yourself in case of financial problems;
• accumulate a significant amount of money through effective money management.

Investments in securities (Through IIS)

Those who decide to invest in stocks and bonds should open an individual investment account. This can be done by contacting brokers or a management company. Most often, investors make money on the stock market in one of two ways:

1. Independent trading involves opening transactions solely on the basis of the investor’s own knowledge. In this case, it is unlikely that you will be able to make a profit without experience and certain skills.
2. Copying the strategies of experienced managers. Such profitable investments, for example, are offered by the company Finam. It is implemented using the Trade center service. It is enough to choose a strategy and connect to it so that all transactions made on the professional’s account are transferred to the investor’s IIS.

Investing in real estate

This method requires the investor to have a fairly large amount of money. The amount of capital depends on the region and the type of property purchased.

In order to make a profit, you can purchase both residential and commercial real estate. There are several options for making a profit with this method of investing:

1. purchase of real estate for the purpose of subsequent rental;
2. purchase for resale.

In the second case, you can increase your income by buying real estate under construction or purchasing dysfunctional or granny flats and selling them after renovation.

It is important to remember that the sale of real estate that has been owned for less than five years results in an obligation to pay income tax.

Bank deposits

Deposits have recently lost their popularity. This is explained by a decrease in interest rates. Nevertheless, they deserve attention. Although this option is not in a real way earn money if you invest money at interest on a deposit, you can reduce the impact of inflation. Deposits are suitable for those investors who do not have sufficient financial knowledge, as well as large capital.

A deposit can be opened even for small amounts - many banks offer to conclude an agreement for one thousand rubles or even less. For many, the determining factor when choosing a deposit is interest rate. Due to the current deposit insurance system in our country, choosing a bank has faded into the background. In search of where it is more profitable to invest money, you should pay attention to the programs offered Bank Tinkoff. The stakes here are always at a fairly high level.

Investments in microfinance organizations

Investments in microfinance organizations allow you to invest high percent equity. In this case, you do not need to have any additional knowledge and skills.

However, this option is not suitable for everyone. Most companies set a fairly high minimum entry threshold. Traditionally it is at the level of one and a half million for individuals and 500 thousand for legal entities.

Thus, there is no universal answer to the question of where it is better to invest money. The decision must be made for each case separately, focusing on the available amount, as well as the desired risk and return.

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