Where to invest money with maximum profit. Where to invest small money. Pros and cons of this type of investment

The money earned is often set aside for the purchase of large things. But not many people are informed that there is an opportunity to increase their savings by investing them in a profitable business or buying shares. It's time to figure out how to profitably invest money and at the same time make a profit.

What to invest in

Until quite recently, citizens of the country did not have a large number of options where to invest money: they were offered only bank deposits and the purchase of privatization checks. Today, investing money is a new tool that provides an excellent opportunity not only to receive a bonus in the form of additional cash receipts, but also profitable investments for years to come. Such actions create fertile ground for passive income. A person can do various things without delving into the intricacies of the everyday life of stock brokers, but at the same time receive a guaranteed income.

Financial investments

Investing free money in financial instruments in order to receive profit from this is financial investment. What is meant by these instruments at the present stage of market development? These can be the following investments:

• bonds;
• stock;
• futures;
• precious papers;
• options, etc.

Direct investments

To participate in the management of the company, there are direct, or real investments. This is a risky type of capital investment, because in this way the investor invests his money in a business that is only at the stage of its formation, and he will be able to receive profit only if the business develops successfully. Another distinctive feature of direct investments is their long investment period and less liquidity compared to other types.

It is worth noting that professionals should invest in real investments, because in addition to financial investments, a person must have a number of knowledge that will help him properly manage the enterprise, its labor and financial resources. He must have great connections with the aim of organizing the sale of products and much more - otherwise the business will quickly go bankrupt.

Direct investment implies a high return, they are not subject to strong influence on market fluctuations. In addition, the investor will be able to cover his expenses in certain cases by selling not only manufactured products, but also the material assets of the enterprise. According to their characteristics, real investments themselves are divided into tangible and intangible.

Speculative investment

This type of investment is of interest to those people who want to make a profit on changes in the value of their assets. They are characterized by increased risk, since it is impossible to fully predict the profitability, especially in the presence of an unstable situation in the economy. This type helps to get a significant return on investment, although sometimes you can lose everything. The main instruments of speculative investment:

• currency;
• precious metals;
• futures;
• options;
• securities;
• real assets (oil, gas, etc.).

Where to invest money to make it work

Where to invest money - everyone must answer this question for themselves, since depending on the amount of money, the availability of certain knowledge, you can choose the right option. A person can choose passive investment. This type of investment does not imply active participation in the formation of profits - investments are given to the management company, which deals with all investment issues.

If investing money for the purpose of making a profit implies active participation in the formation of income, then you can also seek help from a specialist who is well versed in all the vicissitudes of the exchange and financial affairs. He will be able to direct on the right path and indicate where to invest money by creating a profit scheme in terms of the wishes of the investor.

Real estate investment

Investments in real estate can be made in several ways:

• purchase/sale (resale) of living space;
• purchase/sale of commercial real estate;
• renting out real estate;
• provision of real estate services.

Investing in real estate is a risky business, because it gives a good opportunity to earn a good margin on the difference from the value, but on the other hand, real estate can depreciate sharply at some point, therefore, by investing money in this way, you can lose big. In addition, to purchase real estate, you must have sufficient financial resources, which not everyone has.

Invest in business

Opening a personal file - what could be more pleasant? And moreover, so that it brings significant profit - doubly pleasure! Investing in your own business is a risk, as it involves moral and material costs. There is always the possibility of bankruptcy, especially if you do not have sufficient knowledge to run your own business. On the other hand, this type of investment is an opportunity for self-realization and high profitability. In addition, there is an opportunity to invest in someone else's business on the terms of partial entry into the business or complete purchase of the company.

Put money on deposit

Deposit is one of the most popular investment methods, which is a stable way to increase. Investing money at a high interest rate in a bank is unlikely to succeed, since financial institutions set rates according to the policy of the Central Bank of Russia, and it does not allow banks to engage in this kind of speculation. It is profitable to invest money in a bank at interest - this is an option for depositors who do not like to take risks and are used to calculating the amount of their income for a certain period of time.

The process of investing money is simple and developed over the years:

• At the initial stage, it is necessary to study all kinds of offers and choose from them those that are best suited in all respects.
• Then you need to come to the bank to conclude an agreement. It should be borne in mind that many institutions offer online registration of deposits, which simplifies the procedure.
• Interest payments can be collected every month or at the end of the deposit term.

Investments in the stock market

Such a tool for making a profit is complex and requires certain knowledge, skills and constant improvement from the investor. Proper investment in stocks is the prerogative of experienced participants, but if you have a desire, you can always try something new. Where else can you invest money?

• stock;
• futures;
• options;
• bonds and other securities.

Investments in mutual funds

Mutual investment funds offer their clients to purchase a share (buy a share) in an investment portfolio, which consists of a list of securities of various enterprises. A specially trained person, who is called a manager or broker, selects products. He monitors and analyzes the state of the market in order to respond in a timely manner to changes in the value of the components of the financial portfolio. This type of investment is ideal for beginners, because in this way they can learn the basics of stock trading in practice.

Where to invest money online to make money

The World Wide Web is not only a space where you can search for information, meet people or play online games. Here they successfully earn money, but very few people do it. It is possible to make secure deposits on the Internet in certain projects. Invested money can bring tens of percent per annum.

You can play with money on the stock exchange - Forex is suitable for this, and if games with currency (dollars, euros, rubles), cryptocurrency (bitcoins, etc.) are not suitable, then you can invest in a PAMM account. There are many more ways and ideas where to invest money, which provide an excellent opportunity to earn money on the World Wide Web, but this is a question for a separate study.

Investments in currency

Every day you can earn a lot of money on the currency exchanges, however, here you should have knowledge and skills, be ready to devote many hours to this business, both day and night, and sometimes all day long. Investing in Forex and similar tools is a business for professionals, although beginners can also invest here, because a great opportunity has been created for them - to try their hand at specially designed simulators.

Investments in precious metals

Is it profitable to invest in precious metals - there is hardly a specific answer to this question. Yes, they are practically not subject to inflation, such deposits are reliable, they are not affected by external factors, but investments in precious metals also have their own nuances. There are several options for this type of investment:

• buying jewelry;
• purchase of ingots;
• opening a so-called metal account;
• purchase of commemorative coins.

Non-commercial social investments

Investment of money and other resources in objects of the social sphere (for example, investments in education, culture, etc.) in order to get some profit or other effect - this is NSI. These tools imply the interaction of authorities, inverters and society in order to improve the quality and standard of living and services for the population or certain groups. These are investments in order to achieve a positive effect or structural reforms from the implementation of certain programs.

How much can be invested

How much money to invest is a difficult question to which no one will give a definite answer. It all depends not only on the desire of a person, but also on his financial capabilities. For some people, an indicator equal to 1000 rubles in cash every month will be considered a great success, and someone decides to invest money in order to get at least 100% growth.

For investments such as real estate or direct investments, you will need a decent amount of money, and for a bank deposit, it will be enough to invest a few hundred rubles. For this reason, the minimum investment amount can be any - it all depends on the income and savings of the investor, as well as on the amounts that he can afford to invest.

Where can I invest a small amount of money

Often the question arises, where to invest a little money to increase capital? At first glance, this is difficult to do, but you should not rush to such an incorrect statement, since even a small amount of money can bring a nice bonus. Over time, the money received can be involved in working capital and have a good income in the future. To do this, it is allowed to use several options where you can invest the money you earn. Some of them may seem unrealistic, but in fact, many investments do not involve large investments at the initial stage:

• Bank deposit;
• purchase of precious metals/bars;
• trust management;
• investing in someone else's business as a partner;
• mutual funds;
• securities;
• PAMM accounts;
• earnings on the Internet;
• opening your own website and placing contextual advertising on it.

Video: ways to invest

How to reduce risks

How to reduce labor intensity

How much money to invest

Current types of low-risk investments

What to look for when choosing where to invest

To understand whether it is worth investing in a particular source of income, it is necessary first of all to determine the criteria by which it will be determined whether this idea is worth it or not.

If we limit ourselves to three simple criteria, then we would like to highlight the following:

Yield

Profitability is undoubtedly one of the determining factors when choosing where to invest money in order to earn. It is measured most often as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just save it, then, at a minimum, the rate of return must be higher than the annual inflation rate. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5%, which is lower than the average annual inflation rate, which for the last three years until 2017 is 9.9%. Therefore, in order to invest money at a high interest rate and earn on it, it is necessary to use other opportunities, which we will consider below.

Risks

The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the probability of occurrence of events in which the investor may lose profits or even his investments. If, when considering ready-made investment proposals, the amount of return is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to delve into yourself, and what the project actually earns on, how long this process has been established and whether a situation can arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts who understand and understand this. You also need to understand that most often, the higher the yield, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a low percentage, and as you gain experience, switch to more profitable offers at a high percentage.

Labor intensity

If in pure investing, when you invested money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in your own business, an additional factor appears, such as labor intensity - this is the amount of time spent working, multiplied by the experience and expertise of the performers. In other words, how much time you or your team will spend developing the business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but at the same time, the necessary labor intensity of the process greatly increases, especially if you yourself participate in business processes. At the same time, risks have an inverse relationship with the experience and expertise of the team, that is, the more experience and knowledge, the less risks.

Where to invest in 2019 so as not to lose - advice from Moscow experts

When there is an understanding of what factors are decisive when choosing where to invest money so that they work, you can already consider and evaluate specific investments, which we will now do.

All options will be connected in one way or another with secured loans.

We believe that such investments, for objective reasons, are the least risky, but at the same time they have a high return.

At the same time, everyone will be able to find an acceptable type for themselves, based on possible labor costs and the availability of expertise.

To begin with, we will tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans issued by financial companies (IFIs, CPCs, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Interest rates on such loans are much higher than those of bank loans, and range from 40% to 100% per annum on average. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, and they do not have the opportunity to undergo long and thorough bank checks. The second category of borrowers are people with a damaged credit history, for whom the road to banks is closed. Or people who do not have the opportunity to confirm their unofficial income.

All loans are issued either secured by real estate or secured by cars. At the same time, the maximum loan amount most often does not exceed 50% of the market value of the collateral object, and the loan term is usually not more than one year. If the borrower cannot repay the loan, the collateral object is sold at market value, which allows covering both the principal amount and the amount of accrued interest. If there is a difference, it is transferred to the borrower.

It is the presence of collateral that ensures the minimum level of risk for the investor, financial companies and this activity in general.

In 2019, according to experts, activities with secured loans became especially popular and in demand among borrowers, while worthy players appeared on the non-bank lending market, allowing ordinary individuals to invest in this area without any labor costs and not only not to lose, but also make good money on it, having received your interest with a guarantee secured by the presence of collateral.

Now that we have figured out how it works and why the risks are minimal, let's move on to considering specific types of investments, their profitability and labor intensity. There are three options in total:

• Profitable treasures from 14% to 22% per annum
• Investing-Easy at 24% per annum
• Investing-Profi up to 100% per annum

Let's dwell a little more on each of the options, and you can learn more about each by clicking on the appropriate link, where you can also leave an application for participation in the corresponding program.

Profitable savings

This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: you invested money and received income at the end of the term or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Savings companies:

This type is for those who want to immerse themselves more in investing in secured loans and get a higher return on investment than in conventional deposits. Here, the investor directly issues secured loans on his own behalf, but all other business processes, such as searching for borrowers, underwriting (risk assessment and verification of the borrower), collateral assessment, drawing up contracts, accepting payments and others, are carried out by qualified specialists. The labor costs of the investor are the consideration and selection of investment proposals and the presence at the conclusion of the contract. Yield 24% per annum. Suitable if there is an investment of 300,000 rubles, it is optimal to invest 500,000 rubles or more.

The most profitable, but also the most time-consuming type of investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for the search for borrowers, must be carried out independently. Profitability up to 100% per annum. A good option where to invest 1,000,000 rubles and in a year and a half to earn a million rubles from above.

Where is it profitable to invest money at interest - a comparison of options

• Risks
• Payouts
• Labor intensity
• Investment amount

We have to think more and more often about where to invest money to make it work. And this is not surprising: it is easy to invest, it is much more difficult to return the money later. If not to increase, then at least to save savings from fluctuations in exchange rates and inflation is the main task of people. A successful investment of funds makes it possible to receive a monthly stable income.

5 basic rules for a novice investor

Before presenting you with specific options for investing, let's look at the basic rules that should be followed in this type of activity.

Rule number 1. Don't keep your eggs in one basket or diversify.

Investment diversification is the distribution of investments among various investment instruments in order to reduce the risks of losing invested funds.

Those. You don't have to invest all your money in one company. After all, there are always risks and something can go wrong. Allocate your funds across different instruments. Thus, it will be impossible to lose all the money at once.

Rule number 2. Use only YOUR “working capital”.

working capital- this is the money that you debug from the main income, especially for investing.

Those. You should only work with personal funds, do not lend money for investment. If you do not have working capital, but you still want to invest, start saving part of the funds every month in the bank or under the pillow (for example, 10-30% of income). Over time, you will accumulate a significant amount.

With the loss of investment, this should not affect you and your family in terms of health and standard of living (although it will affect your mood anyway), so we do not invest our last pennies.

Rule number 3. Return your deposits and reinvest.

The money that your working capital brought in should be invested in other assets. After all, by increasing them, your passive income will constantly grow.

Rule number 4. Don't look for 100% reliability.

You take risks every day, risk is part of our life. Leaving the house there is a chance that you will be hit by a car, so now do not leave the house? And what will you do with a plane that can fall on your house?

This does not mean that you should always and everywhere headlong and thoughtlessly take risks. This means that you must manage risk using rules #1 and #2.

Rule number 5. It pays to spend less than you earn.

Those. you should live according to your possibilities, well, or earn according to your needs, whichever is more convenient for you. Forget about loans, credit systems are only aimed at ruining a person and extorting money from him.

Where to invest money so that they work and make a profit - 14 investment options

We got acquainted with the rules, now it's time to move on to real investment tools. Next, consider what options are available for investing working capital. Let's start.

Option number 1. Bank deposits

The best way to save savings from inflation without much difficulty is bank deposits. Nothing needs to be done, and the amount is growing. Keeping money in a bank cell is much more profitable and safer than “mattress investments” at home. It is important to familiarize yourself with the offered deposit programs before making a deposit. The minimum amount in some banks does not exceed one thousand rubles. This means that even small savings will be saved and will give a small, but income.

And here it is important to remember about inflation. If prices rise above eight percent, the savings kept in the bank will not be depreciated. In reliable and profitable offers are possible:

• early or full withdrawal of funds;
• the presence of a branch of the selected bank in the area of ​​​​residence;
• the amount of investment in one financial institution - no more than seven hundred thousand rubles, that is, according to the amount of deposit insurance.

Losses from depreciation are compensated by a multi-currency deposit. When one currency falls, the quotes of another rise. So the risk of loss is reduced. Only extremes are not needed: why invest all the funds only in the purchase of currency, albeit in various denominations? The ruble will begin to grow in any case, and the risk of losing invested funds will increase.

Be sure to carefully read all the terms of the agreement before making a deposit. This is necessary in order to know how big the risk is and what guarantees the organization provides in case of work stoppage. Only with this approach can high profits be achieved and the risk of losses reduced.

Wealthy and successful investors make deposits according to their own criteria. But they have a whole staff of consultants, and they understand the nuances of the market unlike newcomers. Therefore, completely copying their actions is pointless. You won't get exactly the same results.

Option number 2. Currency

Since the “harsh nineties”, the habit of keeping savings at home in foreign currency has remained. Usually rubles were converted into dollars. Now the currency is again becoming a good option. Only it is not safe to opt for dollars, it is better to use the euro or the Chinese yuan. The situation in the United States will have to be constantly monitored.

But it is also dangerous to leave money in rubles: the floating exchange rate and sharp fluctuations in the oil market do not benefit the national currency. And again: experts do not advise storing “all eggs in one basket”. Therefore, the best option is multi-currency savings.

Option number 3. Forex invest

Quotes of securities and the dynamics of exchange rates - the possibility of good earnings. Profits can be high, but such investment, judging by the reviews, is not recommended for beginners. A more reliable tool is PAMM accounts. But even here there are no unambiguous opinions.

"For" and "against" Forex

Forex trading involves a considerable initial investment, and in the absence of experience and elementary skills, it is better to forget about profit. Permanent income is your own strategy and the fullest observance of its rules in any circumstances. Then the crisis is not a hindrance to income growth.

But learning to develop your own strategy will take several months and even, perhaps, at least a year. And PAMM accounts are managed by experienced traders. They have already completed the training, and the results are impressive. They will work with trusted funds, and the resulting profit is divided in half. An interesting option: the capital is guaranteed to increase.

Forex - earnings on the difference in exchange rates. To obtain a stable income, market knowledge is essential. And using electronic advisor programs is not an option. They helped someone to win, while someone was deprived of all investments. So in order to receive passive income, you will have to undergo training. And the best way out for a beginner is PAMM accounts

Why is a PAMM account good?

PAMM account - trust management of capital. The investor invests, trusting the trader of the investment company to make transactions with them. Just ten dollars of initial capital - and a hundred percent profit with almost no time and effort - is tempting. But here it is important not to fall into a pyramid instead of an honest company. Therefore, it is important to look at registration, the availability of certificates and licenses, it is mandatory to check reviews on blogs and forums. If the company's profitability exceeds ten percent per month, then this is alarming.

The manager, the trader chosen by the investor, will manage the capital. And spending time neither collecting information about the manager and analyzing his portfolio is not at all in vain. You should not invest in pamm accounts that are less than six months old. And the number of such accounts should not be more than two dozen.

It is impossible to predict the success of an investment, so even with the right choice, a pamm account remains risky. Therefore, you can not invest in it borrowed capital and make a contribution to only one company. The higher the interest, the greater the risk.

True, it is impossible to predict the time of liquidation of the company. But they are disturbing:

• payment delays;
• a sharp increase in interest on deposits;
• increase in the number of ways to replenish the account;
• change of company status and website design.

In the case, it is important not to take risks, but to divide the funds into several parts and make several investments in different directions: real estate, antiques, bank deposits, stocks, precious metals. The risk is different, if one investment is unprofitable, other investments will be profitable.

Option number 4. Binary Options

binary option is a financial instrument with a fixed cost and a predetermined amount of potential profit.

When you buy an option, you make a prediction in which direction the price of its asset will go (up or down). In the case of a correct forecast, you make a profit, usually 70-85% of the value of your bet, otherwise you lose the amount of the bet (some brokers return 15% if the transaction fails). Those. with a bet of $20, your profit will be equal to $14-17, or you will lose $20.

Well, how can you make money here?

The question arises, how can you earn, and even more so invest, if the chance to “guess” is 50%? It is possible, but only with proper preparation. As Vladimir Ilyich Lenin said: “Study, study and study again” . Without this, binary options are really very similar to roulette.

Option number 5. precious metals

Investments in precious metals, silver and gold remain quite reliable. Their prices are rising, and therefore the investment is promising. Despite outside influence, palladium retains its position.

But a significant disadvantage is that investments in precious metals are long-term. Therefore, less than a couple of years of investment is meaningless. But not everyone agrees to make a contribution for such a long period without a firm confidence in winning.

To invest in physical metals, you can open a metal depersonalized account or CHI. This is an analogue of the usual account, but without commissions, Palladium, gold, platinum and silver are counted in grams. Prices are set every day, that is, the amount of funds in the account changes constantly. Such investments are suitable for analysts who want not only to save capital, but also to increase it.

Option number 6. Real estate

Where to invest money to receive monthly income? Real estate is in demand at any time. So the way to invest in it is always in demand. Real estate prices are now declining, as the demand for housing among the population is still decreasing. But interest rates are rising. Lending under such conditions is unprofitable, and the owners are forced to lower prices in order to attract buyers.

But the cost of one square meter is so high that neither government subsidies nor special programs to support the construction of economy housing can lower it. It turns out that even if it turns out to start lowering prices, it will not happen soon.

Of course, we are talking only about investing personal funds, not mortgaged or taken on credit. Interest payments will completely cross out the hope of income. In this case, the purchase of real estate or land is a win-win option. And in the future, it turns out to acquire additional housing, and receive income from renting out.

And this is understandable. During the crisis, people move from small towns to megacities, and they have to live in rented apartments. Rent is necessary at an affordable price, and the appearance of such an offer is most welcome: it is very beneficial for everyone. So that visitors receive housing, and the landlord income. It turns out that when property prices fall, the price of rent increases.

You can always sell your land for a profit. In addition, the land brings profit to farmers. So using it for its intended purpose, that is, organizing a farm, is also income. Growing agricultural products is both work for oneself and loved ones, and benefits from obtaining fresh products, and income from the sale of their surplus.

Bankruptcy auction purchase

Since even large players tend to buy real estate cheaper, it makes sense to look closely at the objects put up for bankruptcy auctions. Their price is several times lower than in normal conditions.

Option number 7. Shares and bonds

Such an investment is risky even in good times. And in conditions of instability, only professionals can accurately predict which companies will remain, and even that is not a complete guarantee.

To make a profit on shares, the amount of money invested in the purchase of a share package is important. The stock market is unpredictable, as is the behavior of an investor, and neither experts nor professionals can name the size of the profit. The beginning of bankruptcy is a violation of the terms of trade.

To make money on stocks, it is tedious to understand and know how the selected company makes a profit. According to experts, it is important to accurately predict the increase in the price of shares. If after the purchase the cost has increased sharply, it is necessary to sell them. Then a good profit is guaranteed, as well as a positive reputation for a businessman.

If the stock price falls, then you can make money on the fall. It is necessary to act according to the strategy of "short" sales. Shares are rented from a broker. A few days later they are redeemed and again given to the broker. Income - the difference between the cost of selling and buying a block of shares.

An investment portfolio assembled from shares requires constant monitoring of news, monitoring the situation on stock exchanges and timely transfer of funds, that is, activity.

What can be wisely invested in? You do not need to have a significant amount of money to earn income in the stock market. The initial investment amount ranges from ten to thirteen thousand. It is also pleasant that the transactions are carried out by a specialist under a power of attorney issued to him. However, this does not mean the complete removal of the principal from business: it is imperative to monitor the situation in the country and the world and view analytical calculations.

If you plan a short-term investment, then when choosing a direction, you will have to take into account the entire situation. The purchase of shares of the country's leading companies provides an opportunity for a quick payback on the shares of metal processing organizations and producers of mineral fertilizers. Shares will grow, and this trend will be realized in the future.

Option number 8. Mutual funds: mutual funds

It is also not easy for mutual funds to effectively organize investments. For the most part, they lose more than they gain. But you don’t have to delve into the direction of the movement of funds. This method is a joint contribution of shareholders. One person or a management company only manages them.

Mutual investment fund. Several investors trust professionals to manage their money. Managers invest in the most profitable, in their opinion, directions. It turns out that investors get the same opportunities as large banks, insurance companies and pension funds.

Money is invested in different directions. With an increase in the profit of the mutual fund, the income of the investor also grows. When selling a share, the investor receives losses or gains in the form of the difference between the selling price of the share.

The initial share price is determined by the fund. It is most profitable to buy it during a market fall. The main advantages of a mutual fund are the ability to invest without special knowledge, high profitability, and reduction in investment costs. The state strictly controls the work of companies. And this is a good additional guarantee of stability.

Mutual funds are bond, stock, index and mixed. To buy a share, you need to contact either the agent bank of the mutual fund or the company itself to notify you of your desire. After signing the agreement with the fund, the funds are transferred to its current account.

After acquiring a share, the client receives a confirmation of opening an account, crediting a share to it, and a statement of the amount. However, before investing, it is worth visiting the site pif.investfunds.ru/funds. It contains all the information about mutual funds.

Option number 9. Business investment

A good option would be to invest in a Franchise. Franchising, in essence, is the cloning of the parent company. You are given a ready-made work plan, they train you and provide information support when starting a business in your area. It's like a ready-made constructor, there are all the details and instructions. It remains only to assemble a working system.

In the case of a business, you will not receive passive income, but when debugging business processes, you can delegate all the work and hire an executive director. In this case, it's more like an investment. Such a system will bring you income without your participation.

Option number 10. Investments in information sites

Income when investing in information sites comes from placing banner, contextual, teaser advertising on them, from affiliate programs, as well as from placing advertising articles. In fact, this is a passive income (if you do not take the placement of advertising articles, although this work can be delegated).

Such a resource can be created from scratch, but this requires certain knowledge. Let's look at investments in finished projects.

How much can an information site cost and what is the return on investment?

Approximate price 20-24 months * monthly income of the site (the formula is valid for small and medium sites). For example, if the site brings in $400 per month, the price will be = $400 * 20-24 months. = 8000 - 9600 $. Those. return on investment 4-5% per month . To make such purchases and sales, there is a special exchange telderi.ru.

In the case of independent development, the profitability of the project can be 50% per month. But it is worth considering that the new site will reach normal positions only after 4-8 months of active development (this also depends on the topic and competition in the niche).

What is the advantage of such an investment?

You receive monthly passive income. Subject to the further development of the project, the monthly income increases, as does the cost of the site itself in case of resale. The site acts as an asset.

Both to create your own project and to buy a finished project, you need special knowledge and skills, but there is nothing super complicated, there would be a desire to figure it out.

How much money does this site make?

The site you are currently on (site) brings in approximately $420 per month from Google AdSense contextual advertising.

Option number 11. Investments in Internet startups

Not so long ago, a new investment option appeared - in Internet startups. The exchange is a kind of online version of shares. Large investors are not interested in promising, but small by their standards projects. And without funds for development, the undertaking will remain only for them.

Promising projects are strictly selected before being included in the exchange catalog. After that, funds are allocated for their development. They are shares in free float. Investors can receive income from the first month approximately 3-7% monthly. If necessary, to make a profit, you can always sell shares within the system.

Option number 12. Investing in microcredit

People are constantly short of money. This means that the popularity of lending is growing. But if you want to engage in this type of investment, you should enlist the support of a knowledgeable person who is familiar with this area and has considerable experience. He will have to consult a partner often.

Without the assistance of a professional, investing is pointless: if you do not know the specifics of the case and do not have the slightest idea about its correct organization, then the invested funds will not only not be saved, but the risk of losing everything will increase significantly.

Option number 13. Investing in the purchase of coins

Very profitable investment in coins. They are tax-free and easy to store. It is only important to do everything carefully. Even a small scratch on a coin reduces its value. The easiest and safest way is to keep the investment in a safe deposit box. Of course, there are additional costs, but the risk of damage due to negligence is reduced to zero. Silver and gold coins are especially attractive.

It is important to buy such coins or ingots only in banks in order to choose by weight. Credit institutions have all the certificates confirming the origin of the metal. So the long term investment will pay off. Unlike ingots, jewelry is not devoid of impurities, so the purity of the metal in them is a big question.

So regardless of the size of the planned investment, a few million or just one thousand, all conditions must be completely clear, and the invested funds must generate income. And for this, investments need to be supervised. What business to invest in?

You need to invest in real projects, and not in mirages that crumble at a close look. So huge dividends in record time are a warning sign. It is better not to make contributions to such projects: it is recommended to save your own nerves and funds.

Option number 14. Investing in education

Where do rich people invest their money? If there are free funds, then why not invest them in the education of the child? Education has long ceased to be free. And there are many payment options. You can make a one-time payment for the entire term and track attendance at classes. The investment is fully justified

Just before investing, you should find out if the child himself agrees to study at the chosen institution. If he does not show any inclinations towards the direction chosen by his parents, then the investment will be an empty phrase.

Yes, and it is necessary to find out everything about the educational institution: it asks for a lot of money, but whether it corresponds to such injections is a question. A limited circle of contacts, formed on the principle of “we are friends with those with whom it is beneficial” and often deliberately overestimated marks - a reason to be wary and think: is such an investment profitable?

Investing in the development of staff qualifications is one of the areas for investing in wealthy people. Knowledgeable employees who are able to quickly and accurately assess situations, work productively, maintaining and strengthening the team spirit - this is a sure investment that pays off in the shortest possible time.

The most popular directions for investments

Quite large investments in industry. They are occupied by large investors. Their profit is already considerable, and therefore the size of the investment is impressive. Investing in the development of industry is not only profitable, but also a very fashionable and patriotic direction.

When investing in deposits or real estate, the minimum monthly income in Russia can be ten percent. More risky investments in stocks, precious metals and pyramid schemes. You can earn up to five hundred percent of the down payment, or you can lose everything.

A pyramid is generally an unpredictable way of investing. Let promises be kept at first, and profits reach enormous proportions. But this is only for those who came first. Further, a decrease in income begins and, finally, a logical result: the disappearance of both the organizers and the money.

You should not give in to promises to easily double or even triple your funds on the Forex game. Exchange operations are an occupation for professionals. And only they can predict the behavior of currencies, and even then not always. And losing money, and a lot of it, because of gullibility is too reckless. Investments in the development and development of your website, business or participation in a mutual fund are more advantageous: thirty percent of the investments will return as a profit.

Where not to invest

But where it is not worth investing under any circumstances is in the purchase of cars and mink coats. It is clear that buying a pair of luxurious fur coats for the price of one is a real success.

But after all, the moth will not refuse delicacy. Such a product does not lie for a long time, and the styles lose their relevance. The same principle applies to large chains distributing luxury perfumes.

Household appliances are an unwise investment. It becomes obsolete, losing in value. It will be impossible to sell it even at the purchase price.

It is worth remembering that even a brand new car loses about a third of the price after leaving the salon. And it is impossible to return these funds. Over time, equipment does not become more expensive, unlike precious metals.

Preservation of capital is a topical issue, and therefore it is important to approach its solution in a balanced way, without haste, having discussed all the pros and cons of future investment. Ultimately, the issue of stability and profit margins depend on the decision.

The Parable of the Plumbing

No one argues that there is no extra money. But it happens that free funds appear. It can be a pleasantly fallen inheritance, a large award, a well-functioning project. For some, this will be a reason to spend them with pleasure, while others will think about how to save this money, but rather increase it. Let's try to think about where to invest money in 2019 in order to earn. To correctly answer this question, let's get acquainted with the concept of "investment".

Basic terms

Investments are understood as material and intellectual means aimed at making a profit using various financial instruments or commercial activities. Investments can be:

• direct - when the investor directly chooses the objects of investment and participates in the process of activities that bring profit;
• indirect - with this type of investor's funds are transferred to the management of special structures or institutions whose activities are aimed at making a profit.

In terms of time, investments can be:

• short-term;
• medium-term;
• long-term.

An investment portfolio is a set of all types of investments in various instruments that make up an investor's assets. For example, investments in deposits, bonds, real estate, business.

Types of investments

The problem with choosing investments for individuals is not that there are few offers. Everything is just the opposite, there are a lot of offers for investing money, even if we ignore not quite legal and fraudulent options when they offer to increase the amount by several times in a short period. But there are options that are under the control of the state, which guarantees compliance with laws and not using money in criminal schemes.

Such options can be conditionally divided into risky investments and investments with low risk. By the level of risk, you can immediately judge the profitability, they are directly dependent. If you want more profit, you have to take more risks. Consider some well-known and popular types of investments.

Investing in your education

This is the only type of investment without risk. At the same time, it is deservedly considered a highly profitable type of investment. And most importantly, it is best to start any other investments with gaining knowledge on investment issues in general and deeper knowledge on selected types. It may not always be a financial investment if you engage in self-education, but you can also choose educational trainings, courses, consultations.

Bank

A familiar, understandable, calm investment option. When all the work comes down to choosing a reliable bank with decent interest. It refers to investments with low risk, but the profit received will at most cover the level of official inflation. The average rate will be about 6% per annum. In addition, the deposit will have to be limited to 1.4 million rubles in order to receive money from the insurance fund in the event of the bank's liquidation.

Real estate

Another seemingly reliable type of investment. The good thing is that the risk of a complete loss of property is very low, but it does not guarantee the impossibility of a partial loss of funds. Investments in real estate for profit can be the following:

1. Purchase of residential real estate in the stage of construction in progress for subsequent resale in finished form.
2. Acquisition of residential and commercial real estate for rent.
3. Long-term lease for subsequent sub-lease for short periods.
4. Acquisition of land plots for their sale in parts or for the construction of facilities with subsequent sale.

The main disadvantage of this type of investment is the high level of initial investment. Additional difficulties are delivered by the unstable market, the difficulty of selling, and competition in leasing. Currently, the purchase of foreign real estate, apartments in resort regions for renting out during the tourist season is gaining popularity.

For example, currently in Bulgaria you can buy an inexpensive studio on the sea or in a ski resort for a very low price, starting from 10,000 euros. The cost of renting such a studio in the season starts from 20 euros per day.

Bonds

Making a profit from buying bonds is another way to invest money with low risk. At their core, bonds are securities issued by companies that act as IOUs. Bond borrowers can be private companies or public companies.

In terms of reliability, such investments are inferior to bank deposits only in that they are not insured by the state. The profit generated can be on average 10%, but it is not guaranteed. Sometimes the bonds of some companies bring very high profits up to 100%, but such investments are highly risky.

Stock

Investing in shares of large and small companies has been practiced in Western countries for many years, being the most popular type of investment. Shares are understood as securities that fix the owner's right to receive a share of profits and participate in the management of a joint-stock company in accordance with the existing block of shares.

There are two ways to profit from shares:

1. At the expense of dividends paid on existing securities.
2. In the form of profit from buying and selling shares in the stock markets.

Investing in stocks carries a high risk, especially when trading the stock markets. For such operations, it is necessary to have the appropriate knowledge and experience, as well as resistance to stress loads. At the same time, investing in stocks can also bring high returns.

Currency market

The Forex currency market is a very risky investment. They earn on it by changing the exchange rate when buying and selling. Ideally, if the purchase price is lower than the sale price. But course changes can be so unpredictable and rapid that the lack of knowledge and experience leads to a quick loss of invested funds.

Cryptocurrencies

If it is possible to get a quick and big profit with Forex, only the cryptocurrency market can argue, where profits sometimes amount to several hundred, or even thousands of percent. Accordingly, the risks here are higher than in other markets. The work with cryptocurrencies is becoming more complicated and the fact that the status of this financial instrument remains a controversial issue all over the world. Emerging scandals and bans have a very strong impact on the already unstable rate of cryptocurrencies, turning the market around and depreciating existing assets.

Management companies

Options for investing in stocks, the foreign exchange market and cryptocurrencies are very risky. It is possible to work in such markets if you have the appropriate training, experience, and a stable nervous system. Therefore, before doing this on your own, you can transfer money to trust management. Different types of such services are offered by special management companies.

Here you can choose one or more personal brokers, specify your investment portfolio, including certain types of stocks, currency pairs, precious metals, etc. The degree of risk and the level of acceptable losses are also stipulated. The minimum threshold for investing in such management companies is very low, starting at $10. This amount allows the investor himself, if desired, to try his hand at trading. The average profit from such investments can be in the range of 2-10% per month.

mutual fund

Mutual investment funds specialize in professional work with stock markets. For people who are willing to take risks, but do not have experience in exchange trading, mutual funds are a good alternative to brokers. Here you can buy small shares, but it is better to distribute the money invested into several shares, in which case the risk will noticeably decrease. The cost of shares is available to almost everyone, because it starts from 1000 rubles. Such a contribution will not bring a lot of money, but it will allow you to get not very expensive experience.

Such investment belongs to the category of trust management, since the investor does not influence the process and the choice of instruments for making a profit. Investments in mutual funds do not guarantee profit, but, on average, with low risk, they can bring up to 30% profit. The fact that the activities of such funds are under the control of the state gives reason not to be afraid of fraudulent schemes.

IIS

Individual investment accounts, created in 2015, have become an indicator of the state's interest in enhancing the investment activity of the population. Opening such an account for a period of three years allows you to receive tax benefits of 13% for up to 400,000 rubles. That is, simply opening such an account allows you to receive 52,000 rubles in three years due to savings on tax deductions.

You can open only one account for one person, only rubles are accepted for crediting. Otherwise, such an account is similar to other trust management options. Accounts are not insured, although some management companies can use part of the money to open a deposit, but the funds on such a deposit will not be insured.

Venture funds

Already in their name, these investment funds speak of risk. The English word "venture" is translated as "risk venture". The activities of such funds are based on the financing of innovative projects. Moreover, it starts at an early stage, then projects are developed for several years. The performance is not very high, usually 20-30% of developed projects are successful. But even these percentages are enough to pay off all costs and get high profits.

In Russia, at the moment, venture capital investment is still at the stage of development. To enter such projects, quite high amounts are required: from 100,000 in rubles, from 500,000 in dollars. Potential profit starts from 40% and can exceed 1000%. But, of course, the loss of invested funds is not excluded.

Business

A great way to invest money, sometimes very little to increase it, open your own business or become a business partner. There are many possibilities for this. There is still a demand for people who can do something better than others. Opening workshops for repairing equipment, tailoring, selling handmade goods, with the right approach, can be the beginning of a successful business. Nobody argues that starting a business will require more time and effort than opening a deposit, but the return will be more significant.

Great opportunities in our time to open a business and attract investment in it gives the Internet, where the number of potential customers and buyers is not limited. You can open online stores, advertise services, engage in wholesale trade. Franchising is a good option for starting a business. When you can buy the right to organize an already operating business, while all the stages of its creation and the requirements for the quality of products or services are stipulated. In this case, the risks are reduced, and the opportunity to receive the necessary assistance allows you to make a profit in a fairly short time.

Where to invest 100,000 rubles

If we talk about an example with a specific amount, then we get the following options where you can invest money in 2019:

1. Bank deposit with guaranteed low income.
2. Investing in real estate of such an amount is possible only for the option of renting an apartment with its subsequent sublease.
3. Buying bonds.
4. Transfer to trust management in a management company on the terms of a personal broker, the purchase of mutual funds or the creation of an IIS.
5. Opening an account with a management company for independent work in the stock or currency markets.
6. Investment in venture funds.
7. Starting your own business on your own or in partnership.

Overview of management and investment companies

The choice of management companies is one of the main components of successful investments. To select, it is most convenient to navigate by the rating of operating companies. They can be compiled according to different indicators. To determine the reliability of the company should be based on the size of its assets. The yield rating of the proposed financial instruments gives a reason to decide how profitable such investments are.

At the moment, the leader in terms of assets is Sberbank Management Company, whose assets account for 30% of the entire market. The top three includes Alfa Capital and VTB Capital. If you look at the ratings on the yield of mutual funds, then the leader for the last month is URALSIB with a mutual fund yield of 3.66%.

Investment companies are evaluated by their international rating and the financial instruments they offer. For example, the company "FINAM" has a high rating and offers its clients a wide range of investment options, including those with guaranteed returns, mutual funds, IIA. And with another leader among investment companies, LLC QBEF, you can open bond portfolios, weighted average portfolios, structured products with maximum protection.

That is, if you wish, you can find one or more companies where you will select the most suitable conditions for investing money. Almost all leading organizations have their own websites and offer the opportunity to invest on the Internet.

Ways to reduce losses

No one is insured against the risk of losing part or all of the money invested in most investment methods. You have to be ready for this. Therefore, the most important thing for an investor should be that the money invested is exactly free. They can be used in a variety of ways without lowering the investor's standard of living.

When deciding where it is profitable to invest money, it is better to follow certain rules:

1. Collect detailed information on interested types of investments. Assess how much the amount of investment is able to bring profit and how the resulting profit correlates with possible risks.
2. Do not look for options for making big profits in a short period, most likely this is a scam.
3. Do not start investing with large amounts.
4. Check the availability of licenses from investment companies, especially when opening an IIS.
5. Try to distribute the amount of investment into several options, among which there should be investments with varying degrees of risk: low, medium, high.
6. In the case of opening a business, do not rely on the fact that it will work without your participation. Find opportunities to improve your educational level to improve the operation of an open business.
7. Trust money only to professionals, analyze the activities of management companies based on the results of their work and feedback on working with these companies.
8. When making a profit, look for opportunities to invest it in new options in order to expand the scope of investment.
9. Consider long-term and short-term investment options. For example, buying shares in order to receive dividends is suitable for a long investment period.

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