Rates on deposits for a period of 1 month. Where to put money for a month - an overview of term deposits in Russian banks. Moscow Industrial Bank

Bank deposit is usually associated with long-term placement of savings on a deposit account with interest accrual, partial removal, capitalization and other possibilities of long contributions. Is it possible to earn if you put money in the bank for only 1 month? We will try to answer the question in this article.

Why discover the contribution for a month

Many will be wakeful with bewilderment - why discover the contribution for thirty days? However, quite often there are situations when keeping money with a pillow, even for a short time, it is preferable to make them work. The contribution for one month is needed, for example, when planned large purchase.

If a month is left to it with a little, money put on a deposit during this time can bring income. It happens that a large loan for the purchase of an apartment is taken, and the option has not yet been found, in this case, think about the short-term contribution is quite appropriate.

For entrepreneurs, short-term deposits are also of interest when there is the opportunity to earn even in debt money, if the loan failed to immediately invest in business.

Those who wish to ease on the short-term deposit, you need to accurately calculate the time for which you can open a deposit, with the uncertainty of the term, the contribution is better to open up to demand, but this is promoting loss as a percentage. We picked up the proposals of several banks where you can open urgent deposits for 1 month:

Name of the bank Programs	Interest rate	Min sum	Time
Touch Bank Contribution Touch Bank.	7,00%	1 ruble	30 days
Vedrefinbank Contribution "Reliable"	8,00%	1 000 rubles	32 days
Slavia. Contribution "Nice Capital"	Up to 8.10%	300 000 rubles	31 days
Yenisei Contribution "Capital"	8,00%	10 000 rubles	31 days
BCS - Investment Bank Contribution "Profitable"	Up to 8.05%	50 000 rubles	31 days
AK Bars Contribution "Good Traditions"	Up to 6.40%	5 000 rubles	30 days
Sovcombank Contribution "Maximum Income"	Up to 9.00%	30 000 rubles	31 days
Sberbank of Russia Contribution "Save online"	Up to 5.55%	1 000 rubles	30 days
Rosselkhozbank Contribution "Classic online"	8,20%	3 000 rubles	31 days
Svyaz-Bank Contribution "Maximum Income"	Up to 6.40%	10 000 rubles	30 days

The advantages of short-term deposits

Banks in Moscow, ready to accept deposits for such a short time not much, because this type of placement is not very profitable for credit institutions, because the money will not be able to send to long-term projects and it is not necessary to count on a good income. Annual interest on monthly profitable contributions in Moscow usually do not exceed 18% for individuals, for legal entities rates may be higher.

A few more proposals for deposits:

The advantages of short-term deposits include a number of opportunities accessible to customers in management of means, such as partial removal, early termination of the contract, automatic deposit extension, low threshold of the minimum amount for accommodation.

Of course, it is more profitable to open contributions for a longer period, we have already written in detail about deposits for 6 months, you can read. But the choice of depositors today is.

Reliable bank and high interest

The main problem for investors is the reliability of the bank. The Central Bank of the Russian Federation is constantly working to cleanse the market from credit institutions that violate the established rules. Deciding to entrust the funds to the bank offering interest rate, above the competitors, the contributor risks incur damages instead of the expected profit.

To check the reliability of the financial institution will not be much difficulty if you enter the site of the same Central Bank and there find all the information about the bank you are interested in, there are also published lists in which candidate banks are collected.

It should be remembered that the contributions although the state is insured, but only 700 thousand rubles and opening the contribution to the month in the untested bank, it is possible to obtain problems much more than income.

When it is profitable to discover the contribution

According to experts, many banks raise interest rates on short contributions on the eve of large holidays in order to increase their financial indicators. If there is a free amount, it makes sense to think about the possibility of its increase due to profitable investment in a short deposit.

Negregate by deposits as instruments for profit in 2017 should not be. Despite the financial crisis and an unstable currency rate, with their help you can earn a good passive income. One of the most important advantages of deposits is stability in earnings, but it is worth noting that you need to choose carefully, because they are not all the same for profitability and reliability.

Actual bank deposits for a period of 1 month in 2017

Find a deposit that can be opened for 1 month is not as difficult as it seems. And not much more complicated among those found to choose the most high income. Therefore, for potential depositors in 2017, there are quite a lot of opportunities.

Um-Bank - Sprint

In the cities where the mind-bank has its branches, for 1 month you can open the "Sprint" deposit, no less profitable than any of. To arrange it, you must have a minimum of 500 thousand rubles. The bid of the bank at the same time sets in 9% per annum. Partial removal of money and account replenishment is not provided. The accrual and payment of interest is made at the end of the term. In case of early demanding of the entire invested amount, the recalculation of interest takes place at a rate of 0.2%.

Asia-Pacific Bank - "Profitable"

For 1 month, you can make a deposit in the Asia-Pacific Bank with a minimum possible amount of 5 thousand rubles for investment. By yield, this deposit can be compared with the most profitable, since its interest rate is sufficiently high - 8.3-8.9% per annum. The advantage of many for individuals can be considered the possibility of replenishing the contribution and performing expenditure operations - without restrictions and during the entire period. Percentage accrual is made at the end of the term, and in case of early termination of the contract, the money is paid at the "Personal Account" rate.

Rosselkhozbank - "Classic"

Opening the contribution "Classic" with a minimum amount from 3 thousand rubles for 1 month, one can count on a percentage rate of 8% per annum. Unlike the proposal of the previous bank, replenishment and partial removal of funds from the account here is not available. Earn money can be charged by a bank or at the end of the term, or monthly followed by capitalization (to choose from). In case of early removal of the entire amount, the recalculation of interest is made at the request "to demand".

Alpha Bank - "Piggy"

If you open a deposit "Piggy" for 1 month, Alpha Bank, which provides it, will set a percentage rate of 7% per annum. A feature of the sentence can be considered that the initial amount of attachments can be from 1 ruble. In addition, the account replenishment is made as part of the "Piggy Bank for delivery" service when paying for the purchase of an alpha bank debit card. Also partial removal from the account is also allowed. Earned interest are charged and capitalized by the Bank monthly.

Bank East Express - "VIP-urgent"

Premium deposit can also be issued for only 1 month in the present 2017. One of the affordable suggestions of this type is "VIP-urgent" from the Bank East Express. The minimum for attachment amount is 1 million rubles, and the minimum rate is 6.75% per annum. The contract is issued without the possibility of replenishing and partial removal, the interest earned is charged by the bank monthly (if the contribution is open for more than 1 month) and are capitalized. Around review of all funds from the account is made without loss of interest.

Bank Ak Bars - "Good Traditions"

The contribution of "Good Traditions" opens if there are amounts from 5 thousand rubles. The interest rate for 30 days according to conditions will be 6.2-6.4%. Expert operations and account replenishment by making additional contributions. Earned interest are charged after the expiration of the period, and in case of early termination, income is paid at the request "to demand".

Deposits for 1 month under a high percentage for pensioners

Deposits with a period of placement in 1 month are also available for pensioners throughout Russia. They differ not only to availability, but also a high degree of profitability, because for this category of citizens, banks are developing special programs. As a rule, for the design of such products it is necessary to have a pension certificate.

Bank Ak Bars - "Pension"

When opening the contribution of the "pension" from the bank of AK BARS for 30 days and in the amount of 5 thousand rubles, a percentage rate is prescribed at 6.1-6.3%. It is possible to replenish the account in the amount of 1,000 rubles, as well as expenditure operations within accrued interest. The bank pays interest every month or at the end of the term. Agreement is available to the contract. In the early seizure of all funds from the account, a percentage rate of 2.5% per annum is prescribed.

Sberbank - "Keep" (for pensioners)

The minimum amount for the contribution "Keep" for pensioners is only 1 thousand rubles. When opening an account for 1 month, a percentage rate is prescribed in 5.1% per annum. There are no possibilities of replenishment and partial removal of funds, and the early termination of the contribution to 6 months is made with an account of earnings at the request "to demand", after 6 months - at a rate of 2/3 from the initial one.

Asia-Pacific Bank - "Pension Cancer to Requirement"

It is possible to open the contribution for pensioners "Pension Sale of Relief" without restrictions on time and sums, and the interest rate on this proposal will be 5%. In addition, replenishment and partial removal of funds from the account are allowed without restrictions.

Tip: Many Sberbank deposits are available for opening online. It saves time and eliminates potential investors from the need to attend the office to fill documents. About described in detail on the organization's website.

Deposits for 1 month in Moscow banks

In 2017, many banks offer deposits under high interest rates in Moscow. Dates for storage of funds Here you can choose almost any, including for 1 month.

Promsvyazbank - "My Benefit"

Opening the contribution of "My Benefit" in the amount of 10 thousand rubles for 32 days, you can expect the interest in interest rate to 6.85-7.25% per annum (depending on the actual amount invested). The deposit is issued without the possibility of partial removal of funds from the account and replenishment. Percentage accrual is made at the end of the term. There is no benefit with early removal of all the money, in this case the recalculation is made at the request "to demand".

Investtorgbank - "Optimal"

In Moscow, you can open any, but no less profitable here may be the investment "Optimal", which can be opened on 7.15%. The minimum deposit amount here will be 20 thousand rubles. It is possible to introduce additional contributions worth from 5 thousand rubles, as well as the capitalization of interest. Benefits in case of early termination are not provided.

TranscapitalBank - "Contribution to the Future"

The minimum amount of the investment "Deposit to the Future" from the branch of Transcapitalbank in Moscow is 200 thousand rubles. When issuing a contract for 32 days, the Bank prescribes a percentage rate of 7.15%. Through the entire expiration date, additional contributions are available, and the company's profit pays upon the expiration. In case of early demand of all funds from the account, the rate of 0.01% per annum is valid.

Absolute Bank - "Rubiland"

In 2017, in Moscow, it is possible to open "Rubiland" in the amount of 10 thousand rubles for 1 month. The interest rate will be assigned from 6 to 7% per annum. Throughout the term, it is possible to replenish the amount of at least 3 thousand rubles, as well as expenditure operations up to the amount of the minimum abnormal residue. Profit is accrued and paid by the bank after a month. Possible prolongation of the contract under the same conditions.

Bank Khanty-Mansiysk - "Maximum"

To discover the deposit "Maximum" from the Khanty-Mansiysk Bank for 33 days, it is necessary to prepare at least 5 thousand rubles. In turn, the Bank prescribes a bid from 5.5 to 7.75%. The possibility of replenishing and removing money is not available, and profit is paid by the bank at the end of the term. In case of early termination of the deposit, interest is received at the request "to demand".

Tip: To calculate the potential yield of any deposit, you can use the special calculator of deposits. Such free access services are both on the websites of popular banks and on thematic resources.

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Make money with the help of banks will be in different ways. For example, you can invest in precious metals, coins and so on. But do not allow high income, which means how the method of earning this technique can be considered only under the condition of long term and large amounts. But you can open bank deposits whose diversity of which suggests any time and amount. In addition, additional benefits can be extracted, an increase in the bill and capitalizing interest earned. Bank deposits for 1 month can bring passive income quickly and conveniently.

In contact with

Alexander Kaptsov

Reading time: 10 minutes

A.

Wanting to increase its own savings, we most often consider the possibility of opening a deposit account at the bank under a profitable percentage. Urgent deposits are one of the types of such deposits offered by banks of Russia. They are drawn up for a month, three months, six months and year. It is assumed that during the agreed period, the client does not take his money from the account.

Interest on urgent deposits can be paid monthly or after the expiration of the contract. Any of such deposits, for some exception to deposits for a month, implies the possibility of replenishing the initially embedded amount (negotiated individually).

Is it worth doing an urgent contribution for 1 month - the conditions for opening a deposit and rates on urgent deposits in Russian banks

Banks are not very willing to include urgent deposits for a month offered on depositors, since they cannot be used for long-term investments, and they are much higher for their service costs. Nevertheless, such deposits are offered and can be opened both by legal and private individuals.

Unambiguously identify banks where the conditions for opening a deposit and interest on urgent deposits will be most attractive, it is impossible. Their choice is most often affected by the amount of cash investments and the degree of personal confidence in a particular credit organization. Rates on urgent deposits for individuals vary within 4-10% per annum, legal entities will have a little higher yield.

Although Russian banks establish various interest rates on deposits, for most of them, the general conditions for investors placing their savings through the Internet online. In this case, customers have higher incomes. Also, individual banks offer a high interest retirement age. Placing urgent deposits perhaps in, American dollars and euros.

What documents will be needed to open an urgent bank deposit for 1 month?

In order for the client to open an urgent contribution to the bank for a month (or another time), it will be necessary to conclude a contract. The execution of the contract is made upon presentation of a document certifying his identity.

Citizens of Russia enough to provide:

• Passport of a citizen of the Russian Federation;
• Sailor passport;
• Military ID or serviceman certificate.

Citizens of other states and stateless persons impose:

• Passport of a foreign state citizen;
• Migration card and to her one of these documents, as a residence permit, permission for temporary accommodation, visa.

For refugees, the official document will be a refugee certificate.

The entire procedure for designing the contract is usually 15-30 minutes. When signing it, it is recommended to check with special care registered in the document: the dates of the opening and ending of the deposit, the amount of interest rate, the correctness of the writing of passport data, the registration site. The contract should also include the possibility of replenishing the account and early deregistration. The minimum age of an individual, allowing him to open contributions or accounts in the bank, is considered to be 14 years old (after receiving the passport child).

The most favorable conditions for urgent deposits in rubles in Russian banks - the 10 best interest rates on term deposits per month

Although Russian banks provide depositors to open short-term deposits for different percentage, but the longer the term of the contract, the usually above the interest rate. Consider the most advantageous offers on urgent deposits in rubles in Russian banks, conducting the monitoring of existing deposits.

By placing a "right choice" from 15,000 rubles on a bank deposit for a period of 1 month, it is possible to have a yield at the rate of 10.63% per annum. No longer bids on short-term loans offer no bank in Moscow. In case of early termination of the contract (the money is removed earlier than after 31 days) the rate is lowered to 0.01%. Cash can be on a deposit not more than 550 days. Partial removal of funds is allowed, automatic prolongation is assumed.

2. Bank Intercommerce

According to the program "Non-government deposit", the Bank's customers can open an urgent contribution for a month with a guaranteed 10% annual bid. The minimum deposit is posted on January 31, if the account made, at least 10,000 rubles. Depositors are given the possibility of replenishment and partial, up to 50%, the removal of funds is also provided for early termination (at the initiative of the Client) and automatic prolongation. The contribution rate does not depend on the amount of funds made and the deadlines of the contract.

When opening the contribution of "Multicurrency" (from 3000 rubles and higher, for a period of one month), customers are guaranteed a solid interest rate of 9.4% per annum. The opening of the account can be done immediately in several currencies that are easily converted within the contribution itself. The interest rate does not depend on the amount of the deposit deposit, the possibility of replenishment and partial removal of funds from the account is not provided. Deposit prolongation is carried out automatically.

Bank's name	Deposit name	Deposit replenishment, rub.	Minimum contribution, rub.	Interest,%
2T bank	2 Welcome	yes	1	10,0%
Ivey Bank	Ivi Plus	yes	10000	9,6
Zlatkombank	Iconally stable	yes	50000	8%
Shipbuilding Bank (Sat)	Profitable	yes	50000	7%
Rosselkhozbank	Classical	not	3000	6,0%
VTB 24	Profitable Telebank (online mode)	not	10000	5,3%
Sberbank	Save online	not	1000	4,7%

Nuances of registration of an urgent deposit agreement

How to avoid mistakes and misunderstandings when signing a term deposit with the bank? Experts strongly recommend to recheck all the data made into the document:

• About the change rate of interest (unilaterally, the Bank does not have the right to reduce the interest rate, for this it is necessary for the consent of the client);
• On the presence of penalties with premature termination of the contract (as a result of penalties, the amount of payment may be even less than that which was initially laid);
• On the presence of automatic prolongation (in order to avoid renewal of the contract after its expiration, it is necessary to learn how to do it, even before it is conclusion).

Get a rapidly high income, not making great effort, quite real. To do this, do not need to look for additional earnings, playing the game on the stock exchange or understand the intricacies of doing business. It is only necessary to place the existing available money to the bank to the contribution for 1 month at percent. The main thing is to correctly make a choice in a large variety of short-term proposals offered in various banks, including Sberbank.

Often, a person has the money that is planned to be spent on the expiration of the month for a large purchase or holding, but to keep them at home is not only impractical, and it is also very dangerous. Therefore, it is more expedient to try to earn on them, placing under the most profitable bank interest, but this does not mean that you have to spend your time to open an account for a long time. It is enough to take advantage of the service for a month and not just save your savings, but also to increase them significantly.

Terms of short-term deposits

Investments for a period of 1 month before a year are called short-term. Their income directly depends on their duration, and the longer this period, the higher the interest on them is set. In different banks in such a type of investment, annual interests are installed from 4 to 8. The most basic thing is not to get confused in the diversity of such proposals and choose the most profitable and reliable.

Deposits on such conditions can be placed in the large number of banks, among them:

Sberbank;

• VTB 24;
• Gazprombank;
• MTS Bank;
• UniCredit Bank;
• Russian standard;
• BKS Bank;
• Eastern express bank.

They have different names and dividends, but similar in their basic conditions. All of them are short-term and can be replenished by any amount at a convenient time, but it is strictly forbidden to take part of the funds from them during this period, it is permissible to remove only percent or closing it completely (Sberbank, VTB 24).

Some of them are extended to agreed upon opening the conditions for the next interval when not demanding upon completion. In some banks, during the prolongation of the Agreement, interest is growing with each other extension.

These contributions establishes a minimum threshold of funds, mandatory for the availability of from 10 to 10,000 rubles and they are accrued to the most profitable remuneration. Therefore, it is easy to calculate that the more the amount of the amount, the higher the income it will bring.

The term of the monthly contribution is calculated, based on the formula 31 + 1 day. And to select the most profitable investment, it is also worth identifying what time you do not need money and after that choose the bank and its appearance.

The popularity of short-term deposits

The main offers for investment for one month offers Sberbank, you can choose from four, in "VTB 24" - from two, in other banks - one by one. Such a scant number is explained by the fact that these recently emerged types of services for a short time have not yet gained great popularity from investors. But already noticeably increased the number of proposals from different banks under such conditions. Deposits in Moscow with a period of such a period are more common than in other regions of the country.

The contribution for a month for a month is most popular with the younger generation, the older members of society prefer more long-term investments. Also, youth more willingly use online bank services. Sberbank is one of the leaders in this area.

The period of 1 month makes it possible to place your savings advantageously, and not just save them. No need to take care of the additional protection of the apartment, also investments for 1 month will help not waste money on trifles, and you quickly draw on the right thing.

Make a contribution with a period of 1 month, have the ability not only to ordinary citizens, such a service is also available to legal entities, individual entrepreneurs. Only the minimum amount there is much more and tougher conditions for early termination.

The profitability of deposits for a month

Put money for a period of 1 month, you can not only in Sberbank or other banks, but also contacting the Organization issuing rapid microloans, only a few of them provide such a service. Profit on deposits in these organizations is the highest, compared with banking proposals. Help protect your savings will allow the insurance of the contribution manufactured.

Sberbank charges no more than 5.5% per annum on such contributions, in some other banks in Moscow there are more dividends, but also the minimum amount on them above. For example, PrivatBank will be charged for 1 month interest at a rate of 7.75% per annum, but there must be more than 10,000 rubles on the account.

But looking at the current situation with the closings of banks in recent times, the most rationally place its funds for a longer time in Sberbank, but to get rapid profitably to use more favorable offers of other organizations.

Hello, dear readers of the magazine by Issonodrom.ru! Almost every one of us ever thinks about where to invest money so that they work and brought monthly income.

Investment options are actually a huge amount! Not all of them are effective, and even that there are often fraudulent organizations often occur, the only purpose of which to get money and forever hide them. I know about it not to be! 😀

In this publication, I will try to tell you about the most relevant and proven areas for investing in 2019! And of course, in practice we will try to objectively figure out much more profitable and best to invest our money.

You will also learn about where you should not invest your money, whatever they would not lose!

And most importantly, I will share with you my life experience , specific examples and useful advice that will allow you to properly invest money and get a high passive income! 👍

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you.

Besides, you will learn:

• What are the investment options, what kind of profitability and which one to choose?
• Where can I find money online?
• How to invest money in order not to turn around?
• And also about where it is better not to invest your money!

Sit go comfortable and we will start! The article turned out a little long, because I tried anything important not to miss. I hope I managed it! 😉

1. What is important to know about investment?

First what you need to know before investing your money somewhere is that it is necessary to invest online free cash ! In no case do not invest money in which you are sharply needed and the more notice the debts, loans and loans.

Absolute guarantee that you will enhance nobody nobody gives! There is always a risk of loss of money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).

It is always necessary to remember this, because the investment as a profit and losses can bring!

Secondly before investing your money somewhere need to actually appreciate what exist risks and what yield It can be obtained from one or another attachment.

Usually the risk is proportional to income, i.e. The higher the yield, the higher the risks and vice versa. But this rule does not always work.

But in any case, who does not risk, he does not earn. It is always necessary to risk meaningfully! 😉

In order for you to solve for yourself or not to invest in a particular investment option, each of them we will analyze based on the following most key parameters:

• yield,
• risk,
• payback period,
• minimum investment.

And also consider all the pros and cons of each investment option.

Thirdly to reduce risks, it will be logical diversify Your investments, i.e. Distribute the entire amount of investment on the part depending on the risk and insert into different assets.

For example, you can distribute this:

1. conservative portfolio (bonds, real estate, precious metals ...) - 50% of all means;
2. moderate portfolio (PIFES, stocks, business projects ...) - 30% of all means;
3. aggressive portfolio (Monetary market, cryptocurrency ...) - 20% of all means.

❗️What:
It is not necessary to invest all the money only in the tools with a very high yield, as in this case and the risk of losing your money will also be very high!

And many people opposite seek to receive the maximum income, but at the same time they completely forget about the risk. And as a result, due to greed, nothing remains.

Investments are primarily risk management! First of all, you need to take care of not losing money. Profit is the second thing.

Yes, and if you still have little or not yet yet experience in investing, then start investment with minimal amounts and avoid high-range assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules! 👇

2. Where to invest money in 2019 - Top 15 profitable investment options

So let's finally consider the options and determine where it is profitable to invest money so that they bring income!

Option number 1: Bank deposits / cumulative accounts

DESCRIPTION: The easiest and most accessible embedding for all is the usual bank deposits (deposits). In Russia, the annual interest rate on them is on average from 6% to 8%.

In recent years, deposit rates are steadily falling down and will likely continue to fall in the future.

How to make money on the growth of shares - the example of Google

For 3 years, Google's shares rose by more than 100%!

For these purposes, the so-called "Individual Investment Accounts" (IIS) will be suitable, which for example can be opened in Finams or BCS (and even in the same Sberbank).

But the same if you investigate money for at least 3 years, you can get a deduction on personal income tax (13%), i.e., in fact, taxes from income will not need to pay! Such preferential conditions were developed by the state to support and develop investment in the country.

But naturally, there are many nuances that need to be considered when investing in stock. There are always risks and everywhere - you should not forget about them!

The biggest risk for shares (for those who put on their height) is a financial crisis! During the rest of the time, the shares are generally growing and showing good yield.

Also as an option, you can invest money in a group of shares, i.e. So-called indexes (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S & P500 (500 US largest companies),
• NASDAQ (100 high-tech US companies).

If you do not want to personally invest in investment, that is, the option to entrust money by professional manager. But this in detail I will cut down just below.

OUTPUT: With competent management of the action, it is capable of bringing good yield, several times exceeding interest rate on bank deposits. But at the same time they relate to risky assets.

Yield:	Risk:	Payback:	Minimum attachments:
15-100% per annum (change in stock price + dividends)	Depends on the strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium / high)	(⭐️⭐️ - medium / high)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) With minimal / moderate risks, it is possible to obtain a relatively high yield.	(+ ) High liquidity - at any time the action you can quickly sell and get money in your hands. Low input threshold.	(- ) Knowledge requires. The uncontrolled risk and "flirting" with the market can lead to significant losses.	(- ) In the case of the crisis, the shares may also fall in price in a short time.

Option number 4: Bonds

DESCRIPTION: What do you think large banks are investing? Main in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

On a number of bank deposits, bonds are considered one of the simple investment tools. But in contrast to bank deposits, the bond rate is significantly higher.

For those who do not know, the bond if it is simple, it is a debt. Only as borrowers can act as large companies and the state.

? By the way, Sberbank and VTB24 recently began to sell national government bonds.If we invest for 3 years, then you can only get the yield on them 8.5% annualh. .

I agree, not very much, but the rate is already exactly better than most of the bank deposits available at the moment. Moreover, further deposit rates can decrease.

You can also consider bonds of major reliable companies - the rates will be higher on them! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the period).

At the same time, large funds can be inserted into bonds, since the security of funds will be higher here than for example in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens and hundreds percent . But such bonds have a low credit rating (they are called "garbage bonds"). Although they are able to bring quite high income, they are a very risky kind of investment.

Bonds as well as promotions can be bought through an individual investment account (IIS) without the need to pay for income tax (if they purchase them for a period of more than 3 years).

OUTPUT: Bonds are suitable for those who strive to receive an average yield with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum attachments:
From 7% to 15% per annum (in a risky from 30% to 100% and higher)	Depends on bonds (according to state - very low)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium / low)	(⭐️ - Low)	(⭐️⭐️ - medium / low)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) Optimal yield in combination with low risks. At any time, you can sell bonds without losing income.	(+	(- ) Relatively not high yield compared with shares and some other assets.	(- ) There is a risk of bankruptcy of the Issuer (especially related to low rating bonds). The lower the credit rating, the less trust in it.

Option number 5: Forex

DESCRIPTION: Forex - essentially this is the currency market, where you can buy / sell one or another currency. This can be done both through banks and online with the help of specialized brokers (where by the way, the commission is 10 less).

Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles / dollar - in the end you invested in dollars 570,000 rubles. After a time, the course reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income was compared to 30 000 rubles (Of these, the broker commission is approximately 600-800 rubles).

The forex can be traded both yourself and give money to the management of professional traders (it will be written in detail in the next section of the article).

With independent trading, the currency is very important to have trade experience and Z. on the foreign exchange market . We climb into the currency market just like that, in the hope of light profit, it is not worth it (and when it was exactly done), as this usually leads to serious losses.

It is important to note that with personal trading it is necessary to follow the proven trading strategy, otherwise trade is likely to turn into a casino and lead to a previously known sad result.

But the other side, if you follow the risk (managing), manage emotions and trade exclusively on the strategy, then you can really earn at Forex. But it needs to be trained!

Although it is possible to start on Forex with minimum amounts - from $ 1, still need more or less serious investments (preferably from 100 thousand rubles), because even if you get to increase the initial deposit for 10% for a month (which is very good), then the profit will not be so big.

As for me, so one of the most effective trading strategies on day bars is a price action. A lot of articles are written on it on the Internet - who is interested to read!

Among reliable brokers can choose for example, alpari or roboforex.

OUTPUT: The forex market is more unpredictable than the stock market, which means more risky. Nevertheless, when used by investing, you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investment. This will be discussed below! 👇

Yield:	Risk:	Payback:	Minimum attachments:
from 15% to 100% per annum	Depends on the strategy (initially has a high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high / average)	(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - very low)
Pluses and ➖ Minuses:
(+ ) If there is an effective strategy, you can get a high yield.	(+ ) Low entry threshold and availability.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you do not manage the risk. 99% of newcomers losing his money.	(- ) Learning is required: Special knowledge and experience, as well as the ability to manage emotions. There is no guarantee that in one or another period will receive a profit.

Option number 6: PAMM-account, PAMM-portfolios, trust management and structural products

DESCRIPTION: But this method is usually suitable for those who have no experience and time to understand all the nuances of trade in financial markets (stock markets, forex, oil, gold ...).

That is, in this case, you trust your money traders - those who are professionally engaged in trade in financial markets.

All you need to distribute the initial amount of investment on the part (preferably at least 5-10) and invest in various managers.

For example, it allows the alpari broker, which I have already mentioned above. The entrance threshold here is only $ 10.

At the same time, traders are interested in increasing your money, since only with profits they receive a small reward for their work.

⭐️ About yield!
Income here can be obtained quite acceptable - per month 3-10% at moderate risk! But even with conservative trade in 20-30% per annum - it is also great!

PAMM-account and PAMM-Porphy for investment must be assessed based on at least 3 parameters:

• the age of the account / portfolio,
• past yield
• funds invested by other investors.

For example, one of the most popular PAMM accounts for Alpari:

PAMM account "Lucky Pound" and its profitability (click to enlarge)

💡 In addition to this PAMM account (trader) invested over $ 500,000, its yield for 3 years and 8 months amounted to 2051%.

However, it is necessary to take into account that despite the fact that in the past, the accounts / portfolios showed a good profitability, in the future there is a possibility that they will be unprofitable.

Therefore, I repeat Do not invest everything in one trader! Constantly monitor the situation and gets rid of accounts / portfolios, which for a long period bring losses. This is the whole secret of investment!

Read more about how to invest right in PAMM accounts read (review the training video) on the tradelikeapro.ru website. I use it myself, there really is a lot of useful information!

With a larger initial capital, you can work with large stock exchange brokers (for example, Finam and BCS), which also provide various confidential management strategies.

For example, on fines in trust management can be given from 300 thousand rubles. There are dozens of diverse strategies: conservative, moderate and aggressive.

Of course, both brokers and managers also cannot be 100% guaranteed that you will receive income.

I also want to tell you a few words about the so-called "structural products".

They are also intended for beginners who want to increase their money. Structural products can bring yield to 100-200% per annum with minimal risks (risk is rigidly limited, there is protection of capital - usually you risk only 10% of your investments).

The essence of structural products is that you also invest money in stock markets (more precisely in specific shares, futures ...), which experts expected will grow or fall in the future.

Invest in such products as a rule maybe from 3000 dollars And on time from 3 months.

Here is an example of structural products for Alpari:

OUTPUT: Trust management combines convenience, moderate risks and middle / high yield. Particularly suitable for newcomers.

Yield:	Risk:	Payback:	Minimum attachments:
from 15% to 200% per annum and higher	Depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high / average)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) Turning the funds from the most efficient control / strategies, you can get a good average profitability. Fits beginners.	(+ ) The minimum amount for investment (especially in the PAMM account) is quite low. You do not need to engage in trading yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict yield, as there may be unprofitable periods. Periodically need to monitor the managers.

Option number 7: Your / partner business

DESCRIPTION: And this, in my opinion, one of the most profitable ways of investing, which can bring you not one hundred or even a thousand percent income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply to invest in someone's business at the development stage.

As an option, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

At the same time, even if you have a small initial capital, you can still open your business. Many people opened a profitable business practically without investments or with minimal investments, so the money here is not the most important, the main thing is desire and desire! 😀

I myself started a successful business from full zero! By the way, if you turn to statistics, then amongmill 70-80% - These are entrepreneurs who started a business from scratch!

Estate attention:
You can turn your hobby into a business and never in life no longer work, but to do your favorite thing! Perhaps this is the most preferred option!

As spoke of Confucius:
« Choose your own job in the soul, and you do not have to work for a single day in your life!«

And about how to find your favorite work / Case - read.

If you still do not have a stable source of income, then first think about creating a business, let him even be small. The main thing in this matter is not to be afraid make the first step!

Think, maybe you always wanted to open your car service, hairdresser, sporting goods store or handmade goods store?

Here are some more useful tips:

1. Start with a small (and with minimal investments) and gradually develop your business. At the initial stage of business development, do not invest big money immediately.
2. Choose a niche with minimal competition - it is easier to start in them.
3. If you have a small initial capital, then it is possible to try business in the service sector.

I will also give you several options from my experience, as you can start a business with minimal investments, I think you will be interested! 👇

Examples!
It is easy to start your business and on the Internet. For example, you can provide services or sell products through ads (the most popular - Avito). I just started with that! 🙂

By the way, it is now very popular products from China, where the markup can reach up to 500-3000%. Including such goods are successfully sold through the Internet (single-page).

Another direction where large investments are not required and it is not so difficult to start - this is a whole business via the Internet.

With both in the case of wholesale and retail sales, the goods are not necessary to have in stock - you can work according to the dropsipping scheme. The main thing is to find customers (this can be done on the bulletin boards).

If short, then the essence of dropshipping is that you are working with the supplier who directly sends the goods to the client. It implements his product and has income from that, and you get your surcharge from sale.

Read more about how to organize - read in a separate article!

OUTPUT: Business is able to bring a very high yield with minimal investments. In addition, the business can be turned into a favorite thing, which is interesting and want to do!

Yield:	Risk:	Payback:	Minimum attachments:
from 30% to 1000% per annum and higher	At the initial stage, high risk	from several months to 1-5 years	from 10 000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high / average)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - Low / Medium)
Pluses and ➖ Minuses:
(+ ) One of the highest returns among all investment tools.	(+ ) For business it is easier to find partners and / or co-investors. You can begin without big investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 of 10 beginner businesses are closed within 2-3 years. Low liquidity is difficult to quickly sell a business.	(- ) You need to deal with business and understand how it works, even if you put money in the "strangers" business. You must always learn.

Option number 8: Fune investment funds

DESCRIPTION: Pytes can also be attributed to the trust management, which we have already talked about a little.

Pynes are professionally engaged in investment activities, investing and managing their depositors' money (invest in certain shares, bonds ...).

The contributor can be absolutely any person, for this you need to purchase Pai (share) in a share investment fund. Depending on whether the PIF is successful manages investment, shareholders make a profit or loss.

It should be noted that the activities of the disease are regulated at the state level and as a rule, they are prohibited in high -ighted assets to invest. Therefore, they are considered more protected in contrast to the same brokers.

Pypus usually give low income (usually from 15 to 30% per year), with a slight risk. Here is an example of the profitability of some mutiings for 11 months:

Yield of blows for 11 months

However, mutual profits do not give guaranteed profit, unlike bonds and deposits, there are also unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual impacts show a positive trend and make a profit (subject to the lack of crisis). Therefore, it makes sense to invest in mutually from 1 year.

The minimum amount of investment is from 1,000 rubles. You can buy pairs online, including through certain banks, such as Sberbank.

If this type of investment is suitable for you, it makes sense to choose not one face, but several to distribute possible risks.

And take the rule before investing somewhere, including any specific impacts, read the reviews of real people on the Internet, and also read what they write about them on the forums. So simple action you will secure yourself from not reliable and fraudulent organizations.

OUTPUT: PIFES can be considered as an alternative to brokers, which also invest money mainly in the stock market. Subject to the absence of the crisis, they usually also bring a good yield.

Yield:	Risk:	Payback:	Minimum attachments:
from 12% to 30% per annum	moderate	3-10 years old	from 1 000 rubles
(⭐️⭐️ - average)	(⭐️⭐️ - medium)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) The average profitability exceeds interest rates on bonds and deposits.	(+ ) Low input threshold, as well as control of the activities of mutual effects by the state.	(- ) There is no guarantee that you will receive income. There is an additional "Commission" (surcharge) for the purchase / sale of feud.	(- ) You will have to pay 13% of the income tax - many other investments have preferential tax conditions.

Option number 9: Microfinance organizations (MFIs)

DESCRIPTION: Another type of investment is an investment in MFIs. The return on such investments on average ranges from 12% to 30% per annum.

The minimum amount required for attachment in MFI should be at least 1.5 million rubles (by law).

The longer the mortality period, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.

It should be noted that in this case there is no insurance insurance, and the risk is much more risks than if investing in bonds or in the bank at interest.

If you still decide to invest in the MFI, then you must choose a proven company that works on the market for more than one year.

⭐️ Good advice!
See primarily the "age" of the MFI, and not at the interest rate that you promise.

After all, it is better to invest in a reliable organization under a slightly smaller percentage than in a high percentage MFI that has just appeared.

Additionally, it will not be superfluous to see the reviews and read articles on well-known information portals (for example, RBC) about this or that MFIs.

If you want to know my opinion, then in my opinion, if you have an investment from 1.5 million rubles, then it is more profitable and reliable to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (all the more consumer) and I do not advise others! 😉

OUTPUT: The MFI as a whole is 1.5-2 times more profitability than bank deposits. But there are risks appropriate. Yes, and the threshold of input to put it mildly is rather big.

Yield:	Risk:	Payback:	Minimum attachments:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - average)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium / low)	(⭐️ - High)
Pluses and ➖ Minuses:
(+ ) High rate on bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) A very high entry threshold. According to the law, MFIs is allowed to attract salts from 1.5 million rubles.	(- ) Increased risk, since the insurance of deposits is absent - in the event of bankruptcy, no one will return money. There is a fraud.

Option number 10: precious metals

DESCRIPTION: Another known type of investment is investments in precious metals, in particular in gold. At the same time, such investments are distinguished by high reliability!

Investing money in gold and other precious metals are particularly relevant to invest in a crisis, as it is where money from the stock market is moving.

Gold coins / gold bars can be purchased both in almost any bank (Sberbank, Gazprombank) and brokers (for example, alpari).

Despite high reliability, gold investments are more suitable for preserving existing cash than to increase them. In addition, such investments are designed for a longer term from 3 years and more.

Gold prices - schedule

❗️ Over the past 5 years, gold in rubles has grown from 1600 rubles per gram to 2400 rubles / grams.

Total profitability in the fifth anniversary was 50% (on average gold grew on 10% per year) and then such a profitability turned out to serious depreciation of the ruble.

However, if you look at the dynamics of gold in relation to the dollar, then you can see that gold after 2012 fell significantly in price and at the moment is located in the side trend.

OUTPUT: Precious metals (gold) still makes sense to buy either in crisis time or in the long term in order to save.

Yield:	Risk:	Payback:	Minimum attachments:
from 3% to 15% per annum (in crisis yield above)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - Low)	(⭐️ - Low)	(⭐️ - Low)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) High reliability of investments. There is practically no risks of gold depreciation. Easy to buy / sell at any time.	(+ ) Dragmetals (especially gold) is a "quiet harbor." Investments are suitable for preserving funds during the crisis.	(- ) Low yield during the growth and development of economies. Tax on income of 13% when selling gold, if the tenure is less than 3 years.	(- ) Relatively high commissions of banks / brokers when buying / selling precious metals, incl. Gold.

Option №11: Cryptovaya (Bitcoin)

DESCRIPTION: Bitcoin for the last grew more than once and, apparently, does not collect. New millionaires are already emerging, which are riders exclusively on investments in Bitcoin.

Of course, the best time for investment was a few years ago when Bitcoin cost about 150-200 dollars.

Some experts say that in the future, Bitcoin may cost hundreds of thousands of dollars and maybe it will reach $ 1 million.

Others argue that Bitcoin is waiting for the collapse. But despite this, some states (including Russia) think about creating their national cryptocurrency, which indicates that the topic is cryptocurrency in the future will be very popular, and therefore probably Bitcoin and other cryptocurrencies will grow in price.

Moreover, cryptocurrencies show a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real for him and still it is a rather risky investment tool.

For example, Bitcoin can grow or fall on 10-25% - Here it is a completely ordinary phenomenon. And for the year you can increase your attachments as 3-10 times, and almost everything will lose!

OUTPUT: On the one hand, cryptocurrencies, too risky tool, and on the other hand, in the event of growth can bring huge yield. Is it worth it or not to invest each decides itself, one thing is only clear - it is definitely not worth investing in them all your money!

Yield:	Risk:	Payback:	Minimum attachments:
from 20% to 1,000% per annum	Increased	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
Pluses and ➖ Minuses:
(+ ) In the case of cryptocurrency growth, it is possible in a short time at times to multiply invested funds.	(+ ) As a rule, there is no inflation as a result of a limited number of cripmarked issued.	(- ) Very high volatility cryptocurrency, in a matter of days they can go in price, and seriously collapse. Low predictability.	(- ) Cryptovatsuats are not secured, since this is another bubble. The complete lack of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing in a huge pace, along with this providing the opportunity to make each of us to make money in this global network.

It is important to note that large investments are not always required to promote one or another project on the Internet. Some of the projects can be started with minimal investment or at all from scratch.

The following directions are currently popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investments it is possible to obtain high yield through advertising. Typically, the site begins to bring the first income in 4-6 months.

FROM 1000 visitors On a day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The scatter is very large, since it is from the subject of the site that depends on what income you will receive.

Earnings on sites will be suitable even by novice, as you can write articles yourself, and not to order them on copywriting exchanges.

But still, at the beginning, you will need to be in the essence and understand the key items of such a business.

2. Social publics. Surely almost each of us is signed on any community on social networks (Vkontakte, Facebook, classmates ...).

In the meantime, the owners of such publics also earn mainly on publishing advertising posts. In publics with millions of subscribers, the cost of one advertising post may cost 2-7 thousand rubles .

Publications with relatively small investments pay off very quickly. Although now competition is high, but if you choose the subject of the public, to post high-quality and interesting content and develop a public, then the success of waiting for a long time!

3. CPA affiliate / aribian traffic. Their essence is that some business owners are ready to pay a certain percentage from the sale of their goods / services.

For example, if a person switched to your affiliate link will open a settlement account in a specific bank, then you can earn 2-3 thousand rubles.

If you can easily attract traffic through advertising, it is quite possible to get a high return from the invested funds. However, as you probably already understood, here the main investments go on advertising.

But in this case, the main role is played by experience, without him anywhere!

4. Online services. You can also invest in the creation of online service. These include various freeline exchanges, bulletin boards, exchangers ...

For example, projects that are engaged in the exchange of electronic money are very popular (in fact they are called exchanger).

For example, if you need to transfer money from Yandex Wallet to Kiwi Wallet, then it is most likely to do with the help of exchangers. By the way, the bitcoins can also be purchased using exchangers.

Exchangers in turn take a small commission for exchange (usually 1-5% ). Due to revolutions, quite a decent income is obtained.

5. Applications for iOS / Android. With relatively recently, applications for Androyd and iOS began to enjoy very popular - this is a large market segment where big money is spinning.

Therefore, if you have an interesting idea that will enjoy a wide demand, it is possible to try to create your application.

❗️ For example, there are quite popular applications for the sale of tickets, here you can get quite decent partnerships from airlines.

Even if you do not mean anything in how to create applications, they can be for quite a little money ( 20-30 thousand rubles ) Order on Freelance Exchanges.

Here, as well as everywhere, the key role is played by the idea - it is from her that the success or failure of the application depends on it.

6. Highypes. Highypes - in reality represent the financial pyramid that lives at the expense of the funds invested in it.

Such highups offer very high percentages ( 1-5% per day ) To the invested funds, but of course they can function only a few days or weeks after which they disappear without a trace.

There are Highips that "live" for several months or even a few years, but the yield on them, respectively, at times / dozens of times lower.

In any case, invest in such highups highly risky However, as they mainly earn the creators of these Haipov and a small group of depositors - who managed to withdraw money with profit before the time when Haip turned into a "scam" (stopped paying money).

And yet I don't even advise you to invest in Haip, especially if you do not particularly understand this.

OUTPUT: Online projects are an excellent option for those who want to make money on the Internet. With the right approach, Internet projects can give high yield at a minimum of attachments.

Yield:	Risk:	Payback:	Minimum attachments:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - High)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - very low)
Pluses and ➖ Minuses:
(+ ) High yield. Invested funds can pay off very quickly.	(+ ) Some projects can be started with minimal investments or at all from scratch, inserting only their time and effort.	(- ) There is a risk that the project will not shoot and will not pay for himself.	(- ) Knowledge will need. It is necessary to easily understand the key nuances of the Internet business.

Option №13: Venture Funds / Investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not so popular yet, but nevertheless they are a fairly profitable investment instrument.

The essence of venture funds is that they invest out exclusively in projects that are under development (startup) or even at the stage of the idea.

A distinctive feature of venture investment is very and very high yield, they are able to bring thousands of percent!

But on the other hand, only 1-2 of the 10 projects fire and bring huge profits. But despite this, they usually pay off all the investments in "unsuccessful" projects.

☝️ Real example!
The largest applications on today Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) began with venture investment.

For 2 years, Apple shares rose around 5000 times ! So if you were invested at the stage of business 100 000 rubles, after 2 years your state would be already 500 million rubles .

Investing money in projects in startups can be mostly in several ways:

• crowding and crowdding sites (suitable for beginners);
• venture funds;
• investor clubs.

OUTPUT: Nevertheless, venture capital investments are poorly developed in Russia. Yes, and often requires a large starting capital, and among the seeding platforms (where the input threshold is not high) often there are fraudsters. Meanwhile, venture capital investments are able to bring a very high yield!

Yield:	Risk:	Payback:	Minimum attachments:
from 40% to 3000% per annum	Increased	from several months to 1-3 years	from 10 000 - 100,000 rubles (in venture funds - from $ 500,000)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - High)	(⭐️⭐️ - High / medium)
Pluses and ➖ Minuses:
(+ ) In case of success, you can get the highest profitability.	(+ ) Large tools are not always required to invest at the start of the project.	(- ) Very high risks, most novice projects are unprofitable.	(- ) Fraudes are widely developed - investment sites may be financial pyramids.

Option number 14: Art objects

DESCRIPTION: Another unusual way to invest your money is to invest them in art objects. This is a fairly narrow and specialized market, nevertheless, it can bring good yield.

It is no secret to anyone that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percentage of profits on investments.

❗️ The only one is important feature - such investments often require big investments . And besides, to get a good profitability must be investing for a long period ( decades ).

Like attachments to precious metals, investments in art objects are not subject to inflation and eventually it will only cost more

Yes, and the crisis is almost nothing to reflect on the cost of art objects.

OUTPUT: This type of investment is suitable for those who at least understand something in art and is ready to invest money in the long term.

Yield:	Risk:	Payback:	Minimum attachments:
from 20% to 100% per annum	minimum	usually from 1 to 3-5 years	from 100 000 rubles and above
(⭐️⭐️ - medium / high)	(⭐️ - Low)	(⭐️⭐️ - average)	(⭐️⭐️ - High / medium)
Pluses and ➖ Minuses:
(+ ) You can get a relatively high yield at minimal risks.	(+ ) High reliability. Over time, art objects only grow in price.	(- ) Often investments in art require large initial capital and suggest long-term investment.	(- ) You need to be a specialist, possess specific knowledge and experience.

Option number 15: Knowledge and Own Development

DESCRIPTION: How it would not seem incredible, but always the most profitable investment is always an investment (in the development of specific skills, skills, gaining knowledge, experience ...).

It should be understood that first of all it is knowledge / experience And not money allow you to earn and multiply your own.

I think more than once you heard stories that most people who won millions in the lottery, after several months or years returned to the life before (or even fell even lower).

In addition, it is often for something to learn not to be required and no investments are not at all - the main thing is that there is a desire, and everything else will attach! 🙂

If you have free money, then it makes sense to invest in our development: to attend trainings, webinars and seminars.

One of the most important differences in knowledge of knowledge is that no one will ever be able to take them away from you. You can lose everything, but not only accumulated skills and experience.

For example, in the United States, an experiment was carried out: a professional real estate agent completely left for money in different cities. And the result was always the same - after a couple of months he managed to earn tens of thousands of dollars from scratch.

OUTPUT: Therefore, if you still do not know where to invest your money, then the most win-win version is to put them in yourself (at least some of them). Yes, and do not forget that even an unsuccessful experience is also extremely valuable experience! 👍

Yield:	Risk:	Payback:	Minimum attachments:
infinite	minimum	from several weeks / months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take knowledge and experience with you, and you will always be able to turn them into money.	(- ) For many, it is difficult at first stage to motivate yourself for training.	(- ) It is not always possible to immediately turn your knowledge into money - for this it is necessary time and experience.

3. Gold Rules of Right Investment - Top 5 Soviets

And now I want to introduce you to more than several very important investment rules that will help you correctly manage your money!

First What I have already spoken at the beginning of the article is not to keep all the eggs in one basket. Especially this rule concerns you if you have big money for investment.

Instead of investing in one tool, distribute the amount equally into several parts. For example, on 3 parts and invest them in real estate, promotions, new business.

If you have very little money, think about it to open your business.

Second - Most of the funds (40-60%) try to invest in assets with the smallest risk, the optimal choice between profitability and risk, as for me, is real estate.

And remember that the risk is what you need to think first! Especially if you do not have experience and knowledge, then see and invest all the money in high -ighted tools: forex, stocks, bitcoins ... Hoping that you quickly enhance them - in no case should you.

Believe this already tried the path on which hundreds of millions of rubles lost!

It will allow you to go through an unfavorable time and find other sources of income.

Fourth - Create passive income so you can receive money even when you do not work.

Fifth - Before investing their earned money in any particular organization, read about it reviews and comments on the forums. Make sure this is a real company, not scammers.

It will also be perfect if you learn to give 10% of your profits for charity.

As Socrates said:
There is only one good - knowledge and only one evil is ignorance.

4. Where to invest money to earn - specific examples

In this section of the article, I will tell you wherever I put money on my experience, having in stock one or another amount of investment!

Very risky investment, I will not consider these examples. Consider only conservative and investments with moderate risk.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles - this is not such a big amount, so I would most likely put it in the opening of my business or in the business of my friends. And 10-20 thousand would allocate on visiting trainings and seminars.

Alternatively, if you do not want to invest in a business, you can consider bonds. In the extreme case, you can open a bank deposit, but it will be very little sense from it, as the percentage only covers inflation.

If the risk allows you to try to be inserted into structural products of brokers (trust management). The risk of them is usually limited to 10-15% of the amount of investment, and you can earn more than with bonds.

- Where to invest 300,000 - 500 000 rubles?

Also relatively not a big amount by investment standards. This amount can already be divided into 2-3 parts and to invest in business , bonds , gold or trust governance e.

If there is an option within this amount to purchase the property At the construction stage, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on the hands can already be enabled in almost any of the tools described in this article.

Per million rubles. It is already quite realistic to buy a rough apartment and an apartment at the stage of the pit.

Or as an option:

• It is possible to invest part of the money (100-250 thousand rubles) in the promotion of promising companies, to give them into trust management, PAMM-account / portfolios or insert in mutual effects.
• But 400,000 - 500,000 rubles can be investing in reliable tools: various bonds (the amount is also desirable to divide by 3-5 parts), gold, art objects ...
• A small amount of 30,000 - 50,000 I would still put in cryptocurrency, in case it will seriously rise in price in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest money in order not to turn around - important tips, how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to get to the scammers.

The world is full of people who invent various schemes for taking money through fraud. Especially in our time, fraud greatly flourishes on the Internet (and not only!).

Therefore, before investing somewhere, it is worth checking 10 times, and whether you will remain with the nose.

Both on the Internet and in real life, people often face "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, rapid payments, very favorable conditions, etc. - Everywhere only people have invested their money.

Take note!
Super favorable conditions - This is the very first sign that you most likely want to deceive! Fraudsters love to reveal for the greed of other people!

Money is not taken from nowhere if someone gets money, then someone is obliged to part with them!

The most common type of fraud is financial pyramids (Remember at least Mavrodi and his MMM). Visually can create any believable story, as if the project really functions (providing any services), but in fact the organizers of this project only earn on the investments of gullible people.

Sometimes the "history" of the project is so well created and worked out that it is very difficult to identify fraud a simple person.

Haip (About which we talked earlier) essentially built on the basis of the financial pyramid and they can also be attributed to the fraudulent scheme (although they also really make money, but experience is required). Also here you can add various casinos and other ways where they promise "light money".

Another ambiguous investment tool is sports rates. It is realistic to earn on them in the long term, but these are only the organizers of rates and 5-10% of participants (those who are in the topic), and the rest only constantly lose money.

Also allotted another type of distributed Internet fraud - this sale of various courses, program..., which in promises can in a matter of hours (days) bring you incredible income. Having bought them - you throw your money on the wind (tested on your own skin 😀).

Thus, it is necessary to invest in what you are well versed! Otherwise, those who are well understandable in what you do not understand! This is my sad experience.😞

If you are not particularly dealt with in a particular investment object, then invest time and money (they are even not necessary) first of all in their knowledge ! It will be your most profitable investment!

6. Conclusion

Well, you learned about all the most popular and favorable directions of investing money.

Of course, to accommodate all options in one article and all the investment nuances are impossible, but I tried to make an article as much as possible and interesting for you!

I hope my experience for some of you was at least a little valuable and you have already decided on where to invest money! 😀

I emphasize once again that in my opinion the experience, the most profitable investments are investments. your business / business and knowledge !

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What do you think you are much better to invest your money? Do not hesitate to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If I liked the article, I will be very grateful if you share it in social networks! Also, please rate it on a 5-point scale. 👇 Thank you in advance!

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