What you can invest in. Where can you invest money for the purpose of earning money? Doubtful investment methods

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

Warren Buffett

Whatever they say, but investment is a part of any reasonable person. In contrast to the primitive work according to the system “ worked - ate“, Investing money can be profitable during your vacation, even if it lasts for decades.

It's trite, but true.

The question of where to invest money to make it work is relevant today. more than ever, because everyone does not want to count pennies in the queue at the pharmacy in retirement, but to travel the world and enjoy life. But it is simply impossible to do this with the existing pension.

If you think that you have a great job now, 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 in this case will bring you income?

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

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

PAMM account (number)	Profit Loss	% Manager
Konkord stable profi (415171)	4,1%	10-20%
Kalsarikannit (416226)	9,7%	10-25%
CartMan_in_da house (427015)	-1,2%	10-50%
FX_KNOWHOW (450950)	20,2%	30-45%
CELINDRJOEV V.J. (451520)	9,7%	30%
Victory_ForLuck_02 (446503)	20,1%	40-45%
Profit72 (435041)	49,3%	15-50%
Hipster (452975)	128,6%	20-35%
Suc 1.0 (433298)	15,5%	30-50%
Krat.co (449044)	33,2%	50%
AlpenGold999 (452288)	78,3%	50%
Lamprechtsofen2.0 (432236)	6,3%	20-45%
Respek_t (429024)	30,4%	15-40%
Moriarti (329842)	5,8%	20-40%
SL TP V (425470)	5,8%	0-45%

If you have not yet decided where to invest 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 meet the reliability / profitability 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 throughout the year, in which a large number of investors invest.

You can also add more aggressive PAMM accounts, exclude unprofitable managers in time and add new profitable managers.

Investing money in the stock market

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

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

What are stocks on the stock exchange? This, in fact, is the foundation on which the world rests, because each of us in the bathroom 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 the products of private companies.

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

How to invest in stocks?

It's very simple, shares are traded on stock exchanges, and they are sold through special intermediaries - brokers. You don't need to go somewhere, stand in lines, run around with documents ... You can buy shares without getting out of bed. Register, replenish your deposit and buy shares.

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

After all, it's not just the name, but also the profit. For example, capitalization Google about $ 500 billion. Imagine what a company needs to do to grow 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 points of sale, and this is quite realistic to do within a year.

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

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

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

A few days later, the share price went up, as did our profit:

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

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:

Pluses of investments. Equity investments have been in business for over 150 years. Every third American and every second Japanese have shares of a company in their assets. And as you know, the pensioners of these countries are quite happy with their lives. Dividends and profits from owning stocks can be earned throughout your life. Buying and selling does not take more than 10 minutes. You can start already from 200 dollars.

Minuses. Equity investments carry the risk that the company could be depreciated. But for this, an investment portfolio is being drawn up. In this case, even if one company loses positions, the rest of the companies in the portfolio will provide the investor with a positive return.

The property

Real estate - the traditional way where can you invest money... It is difficult to tell something new on this topic. We have included real estate in the list of where to invest for obvious reasons. Real estate is a valuable asset for any person. Real estate can be rented out, be it an apartment, office, garage or shopping center. Real estate, albeit not immediately, but becomes more expensive 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 reality, 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.

Investment pros. Safe investment with minimal risks. With a clever approach, you can generate monthly profits before the final sale.

Minuses. These are slow investments, which in most cases turn out to be simply the preservation of 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 offering something radically new, but presenting a new version " old". In reality, a startup is a company with a product that didn't exist before. The same Google, or when they were startups, offering the world something that did not exist before. For two decades, those who have invested in well-known startups at the origins have become millionaires.

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

How to invest in a startup?

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

In the early days of an IPO, stocks of companies can rise by more than 100%.

And you do not need to keep the stock further, on the contrary, after the first days. IPO shares need to be sold taking profits, since more than 70% of companies do not stand up to 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 huge in a short time.

You can inquire about new startups, upcoming IPOs, analyze companies and invest in the best ones. One successful investment can recoup the losses of 10 unsuccessful ones many times over. It is these meteoric ups 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 beginning 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, and not at 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 of money today. so simple that they have only 2 conditions - UP and DOWN, hence the name - binary... The bottom line is that you select an asset ( the same stocks, oil, gold, stock indices ...) and specify the condition - the asset price will rise or fall.

• The term of the transaction determines the framework for example, you have invested in a stock option with the condition that the quotation grows for 15 minutes. If, after 15 minutes, the shares rise in price relative to the rate at the time of buying the option, you will receive a predetermined fixed profit at 70-80%! Moreover, it does not matter how much the asset grows, only the condition is important - Higher, that is, growth can be at least 1 point.

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

Among the assets of binary options, the most liquid stocks and stock indices, commodities and currencies. And this is very convenient, because there is news on these assets every day, which allows you to earn money.

For example, a new iPhone goes on sale tomorrow, a clear sign that Apple's stock will go up tomorrow. Buy an UP option on Apple stock and earn guaranteed profits.

Interestingly, you can invest in binary options for a period from a minute to a month, while the amount of profit remains unchanged - within 70-80%, depending on the asset. Instead of a lot of words, we will show you how this happens using a broker as an example:

1. Choose an asset. In our case, the choice fell on stocks Google:

We indicate the term of the transaction, that is, the time of its end:

At the moment, Google stock quotes are growing, while the price touched the lower support line. We forecast 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 of purchase of the option, the share price was 779.205 ... In the conditions, we indicated that the price will be higher at the time of closing the option. According to the results, she was listed at the mark 780.260 ... Having invested $ 60, we returned $ 102 of which $ 42 in net profit:

Our growth condition was fulfilled and we received 70% of the profit!

Investment pros. 70% profit in 10-20 minutes is an indisputable plus. The ease and simplicity of the process makes this type of investment the most affordable.

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

PAMM accounts

We continue to review the best options where everyone can profitably invest, 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 by the Central Bank of the Russian Federation and has a license from it to carry out operations in the financial market.

A PAMM account is a trader's account that investors can invest in.

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

The broker provides full monitoring of the PAMM account, which reflects the profit by days, weeks, months, transaction volumes, investment volumes and other data. Among the many successful PAMM accounts, there are managers with more than three years of experience, that is, PAMM accounts have been bringing profit for many years and, in general, this is not a novelty today.

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

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

Pluses of deposits. This type of investment has already proven itself in time and profitability. The amount for investment is affordable for the majority of the population. You can withdraw money instantly at any time.

Minuses. There are practically no downsides in portfolio investments. It can be called a disadvantage that some investors invest in non-professional managers with volatile trading.

Bank deposits

A bank deposit should be considered not so much an investment as a way of storing money, which makes it possible to more or less protect it from inflation. Profit up to 10% per annum can hardly be called serious. Nevertheless, this option still remains very popular among the population, even despite the fact that the country's banking system is going through far from the best times today.

The most trusted by depositors are traditionally 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 favorable conditions. The current situation in the sector is such that it is better to confine ourselves to a “tit 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 the same. "

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 can be the same 8-10% per annum and some risks.

Why is this done?

It's all about the amounts. If you have $ 20 million, you won't put all your money into one account with Sberbank, right? We all know about instability and diversification rules. Moreover, Goldman Sachs, Barclays and the like can offer favorable conditions for the investor, professional portfolio management, etc.

Pros of deposits. Reliable and practically risk-free.

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

ETF funds

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

In fact, ETFs are the same unit investment funds - you get a share in the portfolio (in ETFs this is a stock, in unit funds these are units), but there are a number of differences.

• As in an ordinary mutual investment fund, this is professional management, which is carried out by a management company.
• If in Mutual fund the size of the minimum investment is set by the Criminal Code or the sales agent, then in ETF it is equal to the value of one share.
• Also, you cannot sell shares from mutual funds at any second, unlike shares on the stock exchange.
• The mutual funds themselves can have ETF shares in their assets, only in this case they take their own percentage for this.

In a word, ETFs have made a splash in the stock market by being full-fledged portfolios.

An important advantage of ETFs is the ability to trade throughout the day. During this time, the price of ETF shares may change, while the size of a unit investment fund is calculated only once per session. Units cannot be bought with borrowed funds or on credit. This is permissible for ETF stocks. When trading units of mutual funds, additional commissions may be charged. Work with shares of exchange-traded investment funds is exempted from such "extortions".

Where can I find ETF stocks? In the same place where all the shares are - on the exchange. The actual process of buying Google stocks is no different from ETF stocks. We described this process not much above, where there is a list of the best brokers.

Investment pros. Ready 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 on time if a decline begins, and as a rule, if there is a decline somewhere, then somewhere there is growth, that is, you can sell some ETFs and immediately buy others.

Art

If there is a desire not only to make money, but also to get 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, namely financial market players... You don't have to be a connoisseur in order to do it. You can always use the services of competent consultants.

Paintings are by far the most common commodity. On average, a creation by a popular contemporary artist will cost from $ 5,000 today. Over the years, the cost of a masterpiece can increase hundreds of times.

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

It makes sense to acquire works of masters of the second half of the last century - now comes “ them"Time. Of course, you shouldn't 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 the statistics of gallery catalogs, even three-year-old paintings are already rising in price by an average of 40-60%, as you understand, there are paintings with an increase of 1000% among them. As the auction houses explain, the growth in the cost of paintings is directly related to the activity of the artist. If he regularly exhibits at exhibitions, receives new awards, then with each such step his paintings can rise in price. 100%.

Pluses of investments. Very rich and developed individuals are engaged in investment in art. Plus, they can bring in high interest rates, especially if the artist is gaining popularity or even died.

Minuses. Long-term investment that requires the advice of an art expert. It is beneficial 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 will think that trading is money from speculation in the stock market, profit from the amounts invested in exchange-traded assets ... But first of all, trading is profitable investment in yourself.

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

Unlike other works related to preliminary education, trading gives unlimited opportunities, where you do not need to have an economic education. The point is that trading begins with personal preparation. You must be prepared psychologically, and everything else is technical matter.

• 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, draw up an action plan, financial plan and start collecting information about the market and assets. Of course, not everything is so simple, but this is already the beginning. There are many examples when people made millions in a couple of years and went on an indefinite vacation without worrying about anything.

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

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

Why have we come to consider trading as an opportunity to invest money? Because it is profitable, it is available to everyone, it is interesting and it is here money is born. All banks are engaged in trading on exchanges, they trade currencies, bonds, and so on. So why invest in banks when you can earn money yourself through the banking system?

The pros of trading. Unlimited opportunities to work for yourself, without a schedule and in a comfortable environment. Due to the vast amount of information about the markets, it is not necessary to have a 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 on such an account, you get a guaranteed tax deduction 13% of the invested amount ( annually) or are exempt from tax on income received as a result of financial transactions.

Consider the benefits of placing money in an individual investment account:

• To open here, it is enough to deposit everything 5,000 rubles.
• The maximum amount from which the deduction will go is - 400,000 rubles.

You can replenish your account only 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 13% tax deduction.
2. With the conservative option, the investor's funds will be invested in reliable low-risk fixed income instruments. It can 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 in this case 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%

Hello, dear readers of the SlonoDrom.ru magazine! Almost every one of us sometime thinks about where to invest money so that it works and brings a monthly income.

There are actually a huge number of investment options! Not all of them are effective, and what to hide is often just fraudulent organizations whose sole purpose is to get money and hide with them forever. I know about it firsthand! 😀

In this same publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice, we will try to objectively figure out where it is more profitable and best of all to invest our money.

You will also learn about where not to invest your money, so as not to lose it!

And most importantly, I will share with you my life experience , specific examples and useful tips that will allow you to invest money correctly and receive high passive income! 👍

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

Plus you will learn:

• What are the investment options, what is their profitability and which one to choose?
• Where can you profitably invest your money on the Internet?
• How to invest money correctly so as not to burn out?
• And also about where it is better not to invest your money!

Sit back and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded! 😉

1. What is important to know about investments?

The first what you need to know before investing your money anywhere is that you need to invest only your own free funds ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.

Nobody gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).

This must always be remembered, because investments can bring both profit and loss!

Secondly, before investing your money somewhere, you need to actually assess what kind of risks and what profitability can be obtained from one or another attachment.

Usually the risk is proportional to the 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, he who does not take risks does not earn. It is always necessary to take a meaningful risk! 😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

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

Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals ...) - 50% of all funds;
2. moderate portfolio (Mutual funds, stocks, business projects ...) - 30% of all funds;
3. aggressive portfolio (foreign exchange market, cryptocurrencies ...) - 20% of all funds.

❗️Important:
You do not need to invest all your money only in instruments with very high profitability, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to get the maximum income, but at the same time completely forget about the risk. And as a result, due to greed, they are left with nothing.

Investing is primarily about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

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

2. Where better to invest in 2020 - TOP 15 profitable investment options

So, let's finally consider the options and decide where you can profitably invest your money so that they bring income!

I will immediately share with you, by my personal example, one rather profitable investment that allows you to receive much more than ordinary bank interest. 😉

Pamm account "Arslanov Fund" and its profitability

Another PAMM account, in which I invested - ““, the largest account in Alpari, it manages more than 155 million rubles!

Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, but nevertheless for 5 years it brings investors "clean" about 60-80% ... Agree very well! 😀

Another plus of Pamm accounts is that the minimum investment amount is practically unlimited here, you can start at least from 3000 rubles.

For the time being, I am just looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article about it.

However, although in this way it is possible to earn quite significant amounts, nevertheless, one should not forget about the risks. However, invest in PAMM accounts no more than 25-30% from the total amount of your investments (at the same time, distribute the risks among the accounts, do not invest everything in only one account, at least choose 2 accounts).

More details about this type of investment will be described below in the article, so be sure to read it to the end.

And now we will consider separately each of the options where you can invest money.

Option # 1: Bank deposits / savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 4% to 8%.

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

How to make money on the growth of stocks - an example of Google

So for 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts" (IIS) are suitable, which, for example, can simply be opened in the same one (following this link, you can invest for 1 month without commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.

☝️ In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay taxes on income! Such preferential terms were developed by the state to support and develop investment in the country.

But naturally, there are many nuances to consider when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis ! The rest of the time, stocks are generally growing steadily and are showing good returns.

In addition, you need to understand that the price of shares is highly dependent on the actions of speculators, rather than on the company's real financial position in the market.

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

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

If you do not want to personally invest, then there is an option to entrust your money to professional managers. I already mentioned how I invested in Alpari managers at the beginning of the article! I will definitely tell you more about this direction just below in this article!

You can easily invest in stocks through.

OUTPUT: With proper management, shares can bring good returns, several times higher than the interest rate on bank deposits. But at the same time, they belong to more risky assets.

Profitability:	Risk:	Payback:	Minimum investment:
15-100% per annum (change in share price + dividends)	depends on the strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium / high)	(⭐️⭐️ - medium / high)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal / moderate risks, you can get a relatively high return.	(+ ) High liquidity - at any time, shares can be quickly sold and money can be got in your hands. Low entry threshold.	(- ) Knowledge is required. Uncontrollable risk and "flirting" with the market can lead to significant losses.	(- ) In the event of a crisis, stocks can seriously and in a short time fall in price.

Option # 4: PAMM accounts, PAMM portfolios, trust management and structured products

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

That is, in this case, you entrust your money to traders - those who are professionally engaged in trading in the financial markets.

All you need to do is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.

PAMM-account "Moriarti", its profitability for 5 years amounted to 135,464% (click to enlarge)

💡 More than $ 2.5 million , its profitability for 5 years amounted to over 135 thousand percent.

However, it should be borne in mind that despite the fact that in the past the accounts / portfolios showed good returns, in the future there is always a possibility that they will turn out to be unprofitable.

So again, don't invest all your money in one trader! Distribute funds at least among 2-3 reliable managers that trade profitably for a long time. If the accounts are relatively new (less than 6 months), then separate the initial investment among 5-10 traders.

Constantly monitor the situation and get rid of accounts / portfolios that bring losses for a long period. This is the whole secret of investment!

For more information about what Pamm accounts are and how they work, you can view a free training webinar from professionals in their field:

You can go to the Alpari website and get acquainted with the Pamm accounts.

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

✅For example, on Finam, in trust, you can give from 300 thousand rubles... Their website contains dozens of diverse strategies: conservative, moderate and aggressive.

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

Immediately I want to tell you a few words about the so-called "structured products", because they are also directly related to trust management. Income here, as a rule, is not the same as PAMM accounts can give, but nevertheless, structured products can bring significantly more than bank interest and bonds.

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

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which experts expect to rise or fall in the future.

Investing in such products is usually possible from 3000 dollars(some brokers have a higher minimum threshold) and for a period from 3 months.

I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.

✅BCS offers investment in Gazprom shares with guaranteed returns 10% per annum(even if the price for them falls) and 100% capital protection. In the event that the stock price rises, then you can even get 14% per annum .

Thus, there are only 2 options: you get either 10% or 14%... Consider that there are no risks, except for the actual bankruptcy of the company. But it is highly unlikely that the No. 1 company in the entire brokerage market in Russia will go bankrupt, like Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.

The investment is designed for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.

OUTPUT: Trust management combines convenience, moderate risks and medium / high returns. Especially suitable for beginners.

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and above	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By distributing funds among the most effective managers / strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability as there may be unprofitable periods. The managers need to be monitored periodically.

Option # 5: Bonds

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

Along with bank deposits, bonds are considered one of the simplest investment instruments. But unlike bank deposits, the rate on bonds is significantly higher.

For those who do not know, a bond, in a simple way, is an IOU. Only large companies and states can act as borrowers.

☝️ By the way, Sberbank and other banks sell national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyx .

I agree, not very much, but the rate is certainly better than most of the bank deposits currently available. Moreover, in the future, interest rates on deposits may decrease.

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

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

Also note that there are bonds, the yield on which can be dozens and hundreds of percent ... But such bonds have a low credit rating (for this they are called "junk bonds"). Although they are capable of generating a fairly high income, they are a very risky investment.

Bonds, like shares, can be bought without the need to pay income tax (if you buy them for a period of more than 3 years).

OUTPUT: Bonds are suitable for those looking to earn an average yield with a relatively high guarantee.

Profitability:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and above)	depends on bonds (for government bonds - very low)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium / low)	(⭐️ - low)	(⭐️⭐️ - medium / low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low yield compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less credibility it has.

Option number 6: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy / sell a particular currency.

This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you bought 10,000 dollars at the rate of 57 rubles / dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, was 30,000 rubles(of which the broker's commission is about 600-800 rubles).

You can trade on Forex either yourself or give money to the management of professional traders (this will be described in detail in the next section of the article).

When trading currency on your own, it is very important to have trading experience and s knowledge of the foreign exchange market ... Climbing into the foreign exchange market just like that, in the hope of easy money is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

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

But on the other hand, if you observe risk (money management), manage emotions and trade solely by strategy, then you can really make good money on Forex. But this needs to be learned!

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

As for me, one of the most effective daily bar trading strategies is Price Action. Many articles have been written about her on the Internet - read it to anyone interested!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

OUTPUT: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can get high returns. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below! 👇

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and above	depends on the strategy (initially has a high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) With an effective strategy, you can get high returns.	(+ ) Low entry threshold and availability.	(- ) High risks, especially for beginners. It is possible to lose significant money in a short time if the risk is not managed. 99% of newbies lose their money.	(- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, a business requires a personal presence. But on the other hand, a business can be automated, or you can simply invest money in someone else's business at the stage of development.

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

Moreover, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with practically no investment or with minimal investment, so money is not the most important thing here, the main thing is desire and aspiration! 😀

I myself have started a successful business from scratch several times! By the way, if we turn to statistics, then among millionaires about 70-80% Are entrepreneurs who started a business from scratch!

✅ Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!

As Confucius said:
« Choose a job you like and you won't have to work a single day in your life!«

And how to find your favorite job / life's work - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even a small one at first. The main thing in this business is not to be afraid. take the first step!

Think you have always wanted to open your own body shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
2. Choose niches with minimal competition - they are easier to start there.
3. If you have little start-up capital, it might be worth trying a service business.

I will also give you several options from my experience of how you can start a business with minimal investment, I think it will be interesting for you! 👇

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell products through ad platforms (the most popular is Avito). I just started with this! 🙂

By the way, goods from China are now very popular, where the mark-up can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page).

Another area where large investments are not required and it is not so difficult to start is the wholesale business via the Internet.

Moreover, both in the case of wholesale and retail sales, the goods do not need to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).

In short, the essence of dropshipping is that you work with a supplier who ships the product directly to the customer. He sells his goods and from this he has income, and you get your markup on the sale.

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

OUTPUT: The business is able to bring very high profitability with minimal investment. In addition, a business can be turned into a favorite thing, which is interesting and you want to do it!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	Initially high risk	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low / medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest returns among all investment instruments.	(+ ) It is easier for business to find partners and / or co-investors. You can start without big investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses are closed within 2-3 years. Low liquidity - it is difficult to sell a business quickly.	(- ) You need to understand the business and understand how it works, even if you are investing in "someone else's" business. You constantly need to learn.

Option number 8: Mutual investment funds

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

Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely any person can become a depositor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, the shareholders receive a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds over 11 months:

Profitability of mutual funds for 11 months

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

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example, Sberbank.

If this type of investment is suitable for you, then it makes sense to choose not one unit investment fund, but several in order to distribute possible risks.

And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With such a simple action, you will protect yourself from unreliable and fraudulent organizations.

OUTPUT: Mutual funds can be considered as an alternative to brokers who also invest mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Profitability:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average yield exceeds the interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) There is no guarantee that you will receive income. There is an additional "commission" (surcharge) for the purchase / sale of shares.	(- ) You will have to pay 13% income tax - many other investments have preferential tax conditions.

Option number 9: Microfinance organizations (MFOs)

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

The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum term in an MFI is usually 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.

⭐️ Good advice!
Look primarily at the “age” of the MFI, not the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower interest rate than in a newly emerging MFI with a high interest rate.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and safer to invest in real estate than in an MFO! 😀

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

OUTPUT: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But at the same time, there are corresponding risks. And the entrance threshold is rather big, to put it mildly.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium / low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Income passivity. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. Fraud is present.

Option number 10: Precious metals

DESCRIPTION: Another well-known type of investment is investments in precious metals, in particular in gold. Moreover, such investments are highly reliable!

It is especially important to invest in gold and other precious metals during a crisis, since this is where money from the stock market migrates.

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

Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold Prices - Chart

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

The total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and then such a yield was obtained thanks to serious devaluation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold after 2012 has dropped significantly in price and is currently in a sideways trend.

OUTPUT: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to preserve them.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (during a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High investment reliability. There are practically no risks of gold depreciation. Easy to buy / sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investing in them is suitable for saving funds in times of crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks / brokers when buying / selling precious metals, incl. gold.

Option number 11: Cryptocurrencies (bitcoin)

DESCRIPTION: Over the past, Bitcoin has grown more than once and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago, when Bitcoin was worth about 150-200 dollars.

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

Others argue that Bitcoin will crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably grow in value.

Moreover, while cryptocurrencies are showing a steady growing trend.

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

For example, Bitcoin in just a day can rise or fall by 10-25% - this is quite common here. And in a year you can increase your investments 3-10 times, or lose almost everything!

OUTPUT: On the one hand, cryptocurrencies are too risky a tool, but on the other hand, if they grow, they can bring huge returns. Whether or not it is worth investing in it, everyone decides for himself, one thing is clear - it is definitely not worth investing all your money in them!

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In case of growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies, in a matter of days they can both rise in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. 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 at a tremendous pace, at the same time providing an opportunity for each of us to make money in this global network.

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

At the moment, the following directions are popular:

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

With minimal investment, it is possible to get high profitability through advertising. Usually, the site starts to generate the first income in 4-6 months.

FROM 1000 visitors per day, depending on the topic, you can earn about 200-3000 rubles in a day. The spread is very large, since what kind of income you receive depends on the topic of the site.

Earning money on sites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning, you will need to grasp the essence and understand the key details of such a business.

2. Social publics. Surely almost every one of us is subscribed to some community on social networks (VKontakte, Facebook, classmates ...).

In the meantime, the owners of such public pages also earn mainly from the publication of advertising posts. In pubs with millions of subscribers, the cost of one ad post can be worth 2-7 thousand rubles .

Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right public topic, post high-quality and interesting content and engage in public development, then you won't have to wait long for success!

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

For example, if a person who follows your affiliate link opens a current account in a specific bank, then you can earn 2-3 thousand rubles

If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go specifically to advertising.

But in this case, experience plays the main role, without it anywhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers ...

For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.

For example, if you need to transfer money from Yandex wallet to Qiwi wallet, then the easiest way to do this is using exchangers. By the way, with the help of exchangers, you can also purchase bitcoins.

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

5. Apps for iOS / Android. Since relatively recently, Android and iOS applications have become very popular - this is a large segment of the market where a lot of money is spinning.

Therefore, if you have an interesting idea that will be in great demand, then it might be worth trying to create your own application.

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

Even if you know nothing about how to create applications, they can be done for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays a key role - the success or failure of the application depends on it.

6. HYIPs. HYIPs - in reality, are a financial pyramid that lives off the funds invested in it.

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

There are HYIPs that “live” for several months or even several years, but the profitability on them is, respectively, several times / tens of times lower.

In any case, invest in such HYIPs highly risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the HYIP turned into a "scam" (stopped paying money).

And yet, I strongly advise you not to invest in HYIPs, especially if you do not particularly understand this.

OUTPUT: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High profitability. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or completely from scratch, investing only your own time and effort.	(- ) There is a risk that the project will not work and will not pay for itself.	(- ) Knowledge is required. You yourself need to be well versed in the key nuances of an Internet business.

Option # 13: Venture funds / investments

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

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

A distinctive feature of venture capital investments is a very, very high profitability, they can bring thousands of percent!

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

☝️ A real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.

In 2 years, Apple shares have risen by about 5000 times! So if you were investing in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .

There are basically several ways to invest in start-up projects:

• crowdinvesting and crowdlanding platforms (suitable for beginners);
• venture funds;
• investor clubs.

OUTPUT: Yet venture capital investment is underdeveloped in Russia. And often a large start-up capital is required, and scammers are often found among crowdinvesting platforms (where the entry threshold is not high). Meanwhile, venture investments can bring very high returns!

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widespread - investment sites may turn out to be financial pyramids.

Option number 14: Objects of art

DESCRIPTION: Another unusual way to invest your money is to invest in art. This is a fairly narrow and specialized market, but it can still generate good returns.

It's no secret that certain works of art can cost hundreds or even millions of dollars. And if you really understand art, then on investments you can earn hundreds of percent of the profit.

❗️ The only important feature is that such investments often require large investments ... And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investments in precious metals, investments in art objects are not subject to inflation and will only cost even more over time.

And the crisis has practically no effect on the value of art objects.

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

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and above	minimum	usually 1 to 3-5 years old	from 100,000 rubles and more
(⭐️⭐️ - medium / high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) You can get a relatively high profitability with minimal risks.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investment in art requires a large initial capital and involves a long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option number 15: Knowledge and own development

DESCRIPTION: As incredible as it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience ...).

You need to understand that first of all it is knowledge / experience, and not money allows you to earn and increase your own.

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

In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow! 🙂

If you have free funds, then it all the more makes sense to invest some of them in your development: attend trainings, webinars and seminars.

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

For example, an experiment was conducted in the United States: a professional real estate agent was left completely without money several times 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 do not yet know where to invest your money, then the safest option is to invest it in yourself (at least some of it). And do not forget that even a bad experience is also an extremely valuable experience! 👍

Profitability:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks / months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money.	(- ) For many, it is difficult at the first stage to motivate themselves to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules of correct investing - TOP-5 tips

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

The first, as I said at the beginning of the article, is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.

Instead of investing everything in one instrument, divide the amount equally into several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

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

And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then you should not meddle yourself and invest all your money in high-risk instruments: Forex, stocks, bitcoins ... hoping that you will quickly multiply them is by no means worth it.

Believe me, this is a tried and tested way, in which a huge number of people have lost fortunes!

It will allow you to get through bad times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

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

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

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

4. Where to invest money to make money - specific examples

In this section of the article, I will tell you where, according to my experience, I would have invested money, having available this or that amount of investment!

I will not consider very risky investment options in these examples. Consider only conservative and moderate risk investments.

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

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

Alternatively, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.

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

It is also a relatively small amount in terms of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

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

- Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try to invest in almost any of the instruments described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the excavation stage.

Or as an option:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it becomes more expensive in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where is it better not to invest in order not to burn out - important tips on 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 caught by scammers.

The world is full of people who invent various schemes to take money through fraud. Especially nowadays, fraud is thriving on the Internet (and not only!).

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with a nose.

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

💡Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from the greed of other people!

Money does not come out of nowhere, if someone receives money, then surely someone will part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, any plausible story can be created that the project really functions (provides any services), but in fact the organizers of this project only earn from the investments of gullible people.

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

HYIPs(which we talked about earlier), in fact, are also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to make money on them, but experience is required). Also, here you can add various casinos and other methods that promise "easy" money.

Another controversial investment tool is sports betting... It is possible to make money on them in the long term, but only the organizers of the bets and 5-10% of the participants (those who are in the subject) do it, and the rest only constantly lose money.

I will also highlight another type of common fraud on the Internet - this is the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw your money away (tested on your own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are well versed in what you do not know will profit from you! This is my sad experience.😞

If you are not yet particularly versed in this or that investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable ways of investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

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

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

❓❓❓
Where do you think it is better to invest your money? Feel free to share your opinion in the comments!

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

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

Where to invest money to generate income?

This is the main question that interests business people in Russia. It began to rise especially sharply within the framework of the economic crisis. The unstable economic situation in the country makes one think.

Instability in the financial market pushed citizens to think about where can you invest money in Russia, due to increased risks and lack of understanding of the ongoing changes.

It's dangerous to invest, it's pointless to store

Precious metals (for example, gold)

Bonds and shares, only “ securities»Subject to temporary influence. Gold is the most stable currency among precious metals. For several centuries, this precious metal only continues to increase its growth rates.

State banks maintain the value of this area with gold and foreign exchange reserves. Investor, invested in gold, sleeps well, knowing that the price for it will only increase.

Precious metals have some peculiarities, suppose a person decided to invest in gold, went to a banking institution to buy a gold bar, in addition to the value of the goods, an 18% tax will be imposed by the state. When selling bullion, there is no taxation, but no one will return the interest overpayment.

Investing in precious metals at the household level

Russians consider gold and silver jewelry to be an investment. This is partly true, but the cost of the product includes the work of a master (jeweler). The second negative point is sales. When trying to sell jewelry, pawnshops accept it at the price of scrap significantly different from the cost of goods.

Acquisition of precious metals is a very profitable direction of investment, you should take into account the minimum threshold of profitability - 3 years. Average income from gold + 20% per annum.

Securities (bonds, shares)

People who are risk averse can afford to invest in bonds. A bond is a business issue, the instrument is designed to receive a fixed income after a certain period of time.

You should not expect big earnings on bonds, call them a profitable investment - the language does not turn out, but how deposit mechanism worth considering.

Promotions

One of the most profitable forms where you can invest rubles now are “ Promotions". Along with high profitability, it is associated with increased risks that depend on external influences.

A share is an equity security giving the statute “ co-owner of a company»Allowing to count on a part of the organization's profit. The connection is simple, the company develops and flourishes, the package of securities grows in price, the co-owner receives a part of the profit, if the company suffers losses, the owner also suffers losses.

The work is done through brokers. More offers, allows you to independently choose stocks, work out strategies, predict the behavior of indicators. Low threshold for entry, high probability rapid development is constantly attracting new faces to the industry.

TOP 7 Where not to invest cash

The main thing in the investment business- gaining financial literacy. Keeping current projects under control, anticipating market behavior, and capturing the subtleties of the environment are the main components of a competent capital investor.

Financial cushion is an integral part of the investor

The term " financial pillow"- 6-month financial reserve, for painless living, without changing the previous state of life. This condition must be met without taking into account other sources of income.

• Do you want to know what you can save money on now in order to afford more? If so, follow this link.

To engage investment activities without a certain cash reserve - it is unreasonable. The only exception is a deposit in a banking institution, which for the most part acts as an instrument for saving current savings.

In case of delay in transfer, freezing of the project, risks associated with full or partial loss of allocated funds, there should be an airbag. This is not advice, this is a postulate!

Alexey 32 years old Krasnodar

Time passes, and money depreciates. I started looking for where to invest them. First, I opened an account and started trading Forex. I came to the conclusion that this is not mine.

And here I was right. Look at the course he has now! Cryptocurrency is the future, it is already accepted in stores.

In the last article, we covered. The disadvantage of these types of investments is a rather low profitability. They are aimed at preserving capital rather than generating good income. If such a return is not for you, then in this article you will find out more profitable investments that allow you to get higher profits.

I'll make a reservation right away, here we will talk about the potential possible profitability. Nobody guarantees you absolutely stable profit. All investments are subject to certain levels of risk. And you may even get losses. But if you use several techniques, you can reduce the likelihood of losses and get a very good profit, at least significantly exceeding, for example, what bank deposits give. But first things first.

The most profitable investment of funds

Profitable investments in the stock market

The stock market allows you to invest money in several directions at once.

Profitable investment in bonds

Investments in bonds allow you to receive income slightly ahead of inflation. There are 3 types of bonds:

• OFZ or federal loan bonds
• municipal bonds
• corporate bonds

The most profitable are corporate bonds, in second place are municipal bonds, OFZs - they are inferior to them in terms of profitability. In terms of reliability, everything is the other way around, the most reliable are OFZ, etc.

Profitable investments in shares

In our opinion, the most promising investment of money is this. And although the purchase of shares is considered a risky business and it is quite reasonable, if you invest for a long time, such risks decrease significantly, and in especially long periods generally tend to zero.

The fact is that the market value of shares can vary greatly over the course of even one year: both up and down. Sometimes such movements reach 20-30% in each direction. But we have 3 assistants on our side - time, inflation and business development.

If you buy shares for a long time, then, according to statistics, the value always rises. According to statistics, the Russian stock market is growing by about 18-25% per year. Of course, this is an average indicator calculated for a period of 10-15 years.

Advice. Take a closer look at. In addition to the potential for growth, you will qualify for a portion of the profits in the form of annual dividends. And if the company is developing steadily, then its final profit will also grow, which in turn will have a positive effect on the amount of dividends received.

Profitable investments in mutual funds

Buying mutual funds - you immediately become the owner of a whole package of shares (bonds) selected according to a certain principle. This can be, for example, only dividend shares of companies that pay traditionally high dividends. Or stocks belonging to any industry: oil and gas, financial, electricity and others.

Profitable investments in ETFs

ETFs are an alternative to mutual funds. In the world, this is the most popular investment method among investors.

For those who do not know what ETF is, I will briefly explain…. an investment fund buys in a certain proportion various securities (for example, shares), and for the purchased assets issues its own securities, which are also freely traded on the stock exchange.

In Russia, the ETF market is not yet well developed. About 10 different ETFs are traded on the MICEX (http://moex.com/s221)

ETFs have the following benefits:

• reliability. This is also a security that is regulated by financial authorities on a par with stocks, bonds
• low cost within 2-5 thousand rubles. Those. I have an amount of only 20-30 thousand rubles, you can make an investment portfolio, which will include shares of several hundred companies from all leading countries of the world. Such diversification will reliably protect your investments from volatile economic shocks. When an economic downturn in one country will not greatly affect the health of your portfolio.
• currency diversification - by investing in foreign assets, you protect your investments from ruble devaluation. Here you can draw an analogy with buying currency with additional growth of shares due to development and, accordingly, additional profit.
• buying ETF - you are investing in several companies at once. Or in the company of other countries. Let's say in ETF FinEx MSCI China UCITS - for an amount of $ 30 you will become a shareholder of about 150 largest Chinese companies
• high liquidity. ETFs can be sold at any time, without any additional commissions, as is the case with mutual funds.
• low costs - the annual commission is from 0.1 to 0.9%, which is several times lower than that of mutual funds. The difference will be especially noticeable in the long term.

The above investment methods can be classified as "classic" The following investment methods are highly risky. When, in addition to trading risks, you may incur so-called and. And as you know, high risks also carry fabulous profits (at least you can count on them).

Highly profitable investments in PAMM accounts.

The essence of the account is that you give your money to the management of traders who make money in the financial markets. Divide the profit in a certain proportion: 50/50, 70/30 or 80/20. Those. 80% is received by you, 20% is taken by the manager for the result. In the event of losses, all the burden falls on your shoulders.

How much can you earn?

Depending on the aggressiveness of the PAMM account, you can count on 30-100% per annum.

Advice. Choose several reliable accounts that exist for at least 1 year and show an average annual return in the region of 30-50%. More aggressive accounts sooner or later "drain" or go into a deep drawdown of 50%. By investing in several accounts, you protect yourself from losses, if one account goes into a negative, profit from others compensates for this loss and in the aggregate you will make a profit.

Investments in HYIPs

This type of investment is highly risky. In essence, this is a game on a barrel of powder. You can lose all your money in one moment. However, for those who want to significantly increase their capital, this is a quick way to achieve this. able to bring 5-10% per month. In a year, you can double or even triple your investments.

Advice. Invest in HYIPs a small part of your capital. And always withdraw profit regularly. Never invest in one HYIP. Pick a few and spread your money over them.

Finally

If you look at the future, it is investment in the stock market that allows you to get a stable long-term profit. Investments in PAMM accounts and HYIPs can be considered as temporary short-term investments, also with fairly high levels of risks.

Investing in stocks, bonds can give you additional income. We are talking about IIS (). I think an additional 13% in the form of profit will not hurt anyone. Profit is never superfluous.

Successful investment to all !!!

Some still don't know where is it profitable to invest money and how to get profit from your investments!

What do you need to know about investing?

Where is the best place to invest your money?

What should you know about where to invest your money profitably?

Investing money is always a risk.

Even the most reliable banks can go bankrupt and getting your funds back can be difficult.

It is not possible to avoid this 100%, but you can choose the most reliable place and make sure that even if the organization collapses, you get back what you put in.

What a person who invests money for the first time needs to consider:

You shouldn't put all your savings in one place.

The attachment must be documented without fail.

This is a mandatory measure that will allow you to get your money back in unforeseen circumstances.

Pay attention to deadlines.

If you wish to receive your funds earlier than the term specified in the agreement, you can lose the accumulated interest.

Consult with friends and family, find out where is it profitable to invest money.

10 ideas for where to invest your money

When investing, you should consider several options and choose the best one, which is right for you.

The best ideas for where to invest your money:

Suitable as an additional way to save and increase funds.

Few know what mutual funds are and are afraid to invest their funds in them, but in vain.

Income from mutual funds is average, but stable.

For a year or two, you can get about 40% of the initial amount.

The property.

Investing in real estate is the best option.

Real estate prices can rise and fall, but they always rise in the end, and the sale of an apartment at such a moment brings a lot of profit.

You can also rent an office or.

Own business is a great way to invest, save and increase money.

In order not to lose money, it is necessary to draw up a clear, maximally detailed plan, weigh all the pros and cons, and choose the business that you like.

Shares and securities.


Over a long period of time - about 5 years, the invested money grows many times, however, in order not to lose money, you need to have some experience in securities trading, and have at least minimal financial knowledge.

In order not to burn out, you should choose a manager who will do everything necessary.

Metals: gold, silver.

To purchase bars and coins, you need to contact Sberbank of Russia.

It is also possible to purchase gold-backed securities by visiting stock exchanges.

Investments are highly effective, however, it should be borne in mind that when selling gold bars later, you will have to pay a tax of 13%.

Own site.

Investments in website creation are not too high and fully justify themselves.

One well-promoted site can bring in up to 40,000 rubles every month, depending on the amount of advertisements being placed.

Venture fund.

Venture funds are now considered a worthy alternative to other financial instruments.

The investment pays off, but you need to wait a few years to make a profit.

Own development.

A person who wants to increase his capital and earn big money should never forget about his own development.

Investments in this case are made in education, appearance, knowledge of the world - travel, seminars and trainings.

A multilaterally educated person will always find his place in the world.

Art.

Buying and selling art objects: paintings, first editions of books, antiques, you can make a lot of money.

But for this you need to understand the value of things, be able to separate the grain from the chaff, or resort to the services of a specialist.

Deciding whether where is it better to invest, you need to calculate all the options for the possible development of events.

In order not to lose all your investments at once, in case of negative developments, it is recommended to invest in several different directions.

The question of where to invest money is most profitable, as a rule, worries those who are not familiar or are not familiar with the principles of increasing profits and methods of investing funds.

Tips for those wishing to invest their money:

1. Thinking about preserving and increasing funds is necessary in those periods when everything is in order with finances, and the payment of a large debt does not hang on the nose. Panic sometimes forces you to take the wrong action.
2. Within six months, you should accumulate an amount that will be deposited in the bank at interest. The larger the amount, the more you will eventually be able to withdraw from the account.
3. Always strive for financial freedom; don't reassure yourself that everything is fine today and nothing else is needed.
4. If you have children, think about their future right now. You can open a savings account in the name of the child, and put money on it until the age of majority.
5. Create a new source of additional income every three to four months.
6. The most effective ways of investing remain the same from year to year: real estate, investments in precious metals, and the stock markets.
7. Gold is most liquid in bullion rather than in numbers on a brokerage account. It is best to invest in gold indices in the stock markets.
8. You should only use the stock market as a means of investing and multiplying capital if you are confident in your financial knowledge and abilities.
9. It is best to think about securing your future at the age of 20-30. However, due to inexperience, you should resort to the help of specialists so as not to lose your investment.

Investments without losses: where is the best investment?

By observing the basic rules drawn up by investment specialists, you can achieve a multiple increase in capital and reduce risk.

The main investment rules:

Reinvestment.

Funds received by investing should not be spent immediately.

They need to be invested in other projects, leaving a certain percentage of the profit for the necessary expenses.

Don't invest your last money.

If you invest everything in your wallet, you can be left without a livelihood at all.

The main rule of successful investments is to act wisely, and investing all the last funds is a crazy act.

Carefulness when making deals.

Read all documents, ask for a contract and consult with specialists.

Investing money "in different baskets".

One project will bring money earlier, another much later.

To always make a profit, you need to calculate the funds and distribute them in different baskets - deep and lower.

Where is the best place to invest small amounts of money during a crisis,

you will learn from the video:

Where is it profitable to invest money - features of investing in real estate

Real estate transactions are the most popular today than investments in mutual funds and funds.

Many people buy housing at the stage of its development at the lowest price, and then resell it, receiving a good percentage.

However, in this case, there are several pitfalls and the risk of running into an unscrupulous developer.

To get the maximum benefit from your real estate investments, you should buy one- and two-room apartments, but not three-room apartments, since they are less expensive to buy.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are better left for local residents.

Selling an apartment in the capital will be very difficult.

To quickly find a buyer, you should make cosmetic repairs in a new building.

There are many answers to the question, where to invest money is most profitable, but everyone chooses the correct answer for himself, in accordance with the possibilities.

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