Where to invest small money to earn. Where to invest money to make a profit

27.03.2018 78047 0

Hello! In this article we will tell you where to invest money.

Today you will learn:

1. Basic principles of prudent investment;
2. What is the most important investment object;
3. And where to invest any amount of money in 2018.

Investment Principles

The main principle on which all modern prosperous society is based is that money should make money. And this does not mean that the main goal in life is the endless pursuit of money. If we translate this principle into a more accessible language, then it will sound something like this - free cash should always work and bring additional, passive income.

People who make huge money with their initial capital are called investors. The main thing is not to confuse investors with professional speculators - people who make many short-term transactions in order to make a profit. The investor expects a long-term result - by investing his money, he expects to receive income over a distance of several months to decades.

Professional investors are a special category of people who make money through successful projects of other businessmen. On the one hand, it is quite simple - invest your free funds, do nothing and make a profit. But if you dig deeper, then even at the stage of choosing an object for investment, there are significant difficulties. And after that, observing the project, it is necessary to ensure that it develops in the right direction, continues to function successfully and make a profit.

That is why, if you want to successfully invest money, make timely profits and manage risks competently, your task is to follow simple principles.

Principle 1. Risk diversification. This condition comes first because it is basic. Without it, absolutely any investment will be unprofitable, regardless of the experience, intuition, finances and capabilities of the investor. Diversifying assets means dividing funds among several objects.

Investments are inextricably linked with risk. One of the main principles follows from this - the higher the risks, the higher the profitability. These two parameters are directly related. At the same time, a person should understand that in his investment portfolio there should always be low-risk assets that are guaranteed to bring a small income, regardless of the financial situation on the market, and risky assets that will bring a very high income under favorable conditions.

Principle 2. Only free cash can be invested. This principle is based on banal logic. It is impossible to withdraw funds that are required by a person personally for investment needs. For example, it would be completely illogical to ignore the requirements of creditors, and to purchase a certain investment object for the amount of debt.

That is why, only those funds should be used, the loss of which will not be noticeable enough, and which can then be earned within 1-3 months. Otherwise, it is better to refrain from investing until you have fully settled your financial situation.

Principle 3. Investments should always make a profit. Last but not least principle. It is also banal to simplicity, but many people forget about it. If investments do not bring profit, then they are unprofitable, and therefore, very soon you will be ruined.

That is why, often, profit should come out on top and sometimes it should noticeably crowd out risks, despite the fact that in most cases it will be more important to GET money, and not HAVE THE OPPORTUNITY to get it.

These three simple principles are commonplace enough, but even some experienced investors manage not to use them. For all its simplicity, the third of them is still the most violated. Some professional investors spend their time, money and other resources on projects that are losing money in advance, saying that sooner or later they will start making money. But main principle investment is that the project must bring money, regardless of what it is aimed at (with the exception of charity).

If you remember these three simple principles, then the investment activity will be successful and will bring a high and stable income.

Where to invest less than 10 thousand rubles

Private lending

Private lending is one of the alternatives to a bank loan. In the role of debtors, everyone can also act as individuals, as well as legal entities, only act as a creditor ordinary people who have free finances. The beauty of private lending is that interest rates often vary depending on the risks and systems in which the loans are made.

Most payment systems have their own platforms where users make short-term loans for each other at higher interest rates. Often they even exceed the interest on loans in MFIs - from 10 to 100% daily. At the same time, lending through payment systems is quite strongly associated with the risks of default Money: according to statistics, about 60% of loans on the Internet are not returned.

An alternative to payment systems with their increased risks and huge interest rates are special platforms for making private loans. Their work is carried out as follows: the user deposits funds into the system, it automatically selects trustworthy borrowers, selects the optimal interest rate and issues a loan.

After that, in case of repayment, the system returns the funds + interest minus its own commission. The risks of non-return are also present here, but to a lesser extent. Consequently, interest rates on loans range from 30 to 100% per annum.

And the last option is credit cooperatives. In Russia, this type of lending is underdeveloped, but still has a place to be. It is not worth talking about it much - just know that this is a kind of investment, when many people accumulate money in order to lend to one borrower.

Forex

Forex would never have appeared on this list if it wasn't allowed. But according to statistics, only 20% of traders actually earn money, and the remaining 80 only bring money to their broker.

In order to start playing Forex, it will take a lot of time to devote to the formation of the psychological qualities of a real trader. Despite the fact that at first glance the charts move chaotically, the ability to understand them comes after 2-3 days of studying technical analysis. And in order to form psychological stability, one's own view of the market and the style of the game, it takes an average of 2-3 trader's accounts.

Of course, you can invest more than 10 thousand rubles in Forex, but due to the huge number of risks, this is highly not recommended. Unlike stock investments, which involve only the financial risks of the assets you invest in, many incidents can still happen in Forex, up to the bankruptcy of a broker.

Small resale business

Now it has become fashionable to create one-pagers, advertise some product on them and sell it, winding up 200-300%. You can thank the guys from Business Molodist for this, who explain to everyone why he should spend 200-300 thousand to learn how to trade goods for 2-3 thousand rubles.

But despite the fact that many people have rushed into this, as it seems to them, a profitable business, the niche has not really been occupied yet. There is not a huge number of advertisers who can attract customers with minimal investment, there is no general number of businessmen who can make a competent sales funnel and guide a client through the landing page in such a way as not to leave him even a single chance of refusal.

That is why, if you have 5-10 thousand rubles, the desire to deal with sites and advertising, you can start a business reselling goods through one-pagers. If working with landing pages is too difficult for you, then you can choose an easier option for selling goods - groups on social networks and message boards like Avito.

HYIPs

Well, where without hype. A very controversial type of investment, which nevertheless is one of the main sources of income for a certain group of very risky "investors". The essence of HYIPs is this - a small financial pyramid is created, which promises fabulous interest on your deposits. This can be argued in any way, up to “buying stocks, bonds” or something else.

Money for interest comes from new revenues and such a “vicious circle” is created from which there is only one way out - a fictitious bankruptcy of the HYIP after a certain period of time. It would seem - an ordinary pyramid, on which it is unrealistic to make money. But it is not so. Hype diligently pays interest the first time. Depending on the scale - from 1 month to 1 year. That is why some people recognize HYIPs, invest in them, and after a short period of time withdraw their funds with interest. This is how the scheme works - who managed, he earned, who did not manage - lost money.

As you can see, all but the third method is a fairly risky type of investment. But that's why they bring in a lot of money. If you have free funds - no more than 10 thousand rubles, the loss of which will not hit your pocket hard, then these investments are for you.

Where to invest an amount from 10 to 50 thousand rubles

Here we have collected for you 7 relevant ways on which you can earn, having from 10 to 50 thousand rubles. For each of them, any amount from this range will do. The methods differ in that they have an average profitability and, in most cases, a short payback period.

Stock market game

In the first place, of course, is the game on the stock exchange. With a small amount of money, from 300 to 1000 dollars, you can open an investment account with any broker and start learning the basics of trading.

The peculiarity of playing on the stock exchange is that for the first time (from 2 months to 2 years) your task will be to reach zero profitability. That is, you will have to beat the commission of the broker, trading and settlement system with the profitability of all transactions. Reaching this minimum bar is one of the main stages of any trader.

Then there should be the next stage - the minimum profitability. It is measured by the rate of inflation, or by the average levels of bank deposits (which in Russia is often much less than the real rate of inflation). In general, it will take a trader from 1 to 3 years to reach an acceptable level of income. But after that, you will be able to actively trade on the stock exchange and, thanks to this, receive a stable income.

Bank deposit

Simple and low cost. Putting money in the bank is a great way to cover inflation, or go with it almost on an equal footing. Bank deposits are not suitable for anything else.

A little advice on choosing a bank for a deposit: do not look at the top market players, like Sberbank, VTB, Rosselkhozbank and others. They can dictate their terms to clients, which is why the interest on deposits is always lower than in other, medium-sized banks, which, in order to attract resources, must increase their rates.

The optimal period for which bank deposits are made: 1 - 2 years. It doesn't make sense anymore, because no one knows what will happen in the country, what kind of economic crisis will come this time, and a shorter term reduces profitability. The only thing to remember - if possible - do not withdraw funds ahead of schedule. Then, in most cases, your accumulated interest will simply burn out. If you urgently need money, it is better to take a loan, and present a bank deposit as collateral.

Mutual investment fund

Mutual funds in Russia, as well as the investment culture in general, are very poorly developed. But despite this, several leading banks - Alfa-Bank, VTB, Otkritie and Tinkoff have several mutual funds that really deserve attention.

What are mutual funds: they are a kind of trust funds, only with a different legal component of transactions. If in trust funds you transfer money to the manager, and he buys profitable financial assets with it, then in the case of mutual funds, everything is built as follows:

• you buy a share in the fund - a share;
• the investment fund adds the money for the share to its own funds;
• carries out transactions with securities at the expense of all monetary funds;
• distributes profit according to the shares.

This scheme is most similar to - when income is distributed according to shares, but funds are not transferred directly to the company - a kind of exchange of funds and shares in the company occurs. Mutual funds are good in that they provide a higher return than a bank deposit, but at the same time, their risks are relatively the same.

Site purchase

The most profitable way of investment from all presented in this list. The site is a platform for earning, capital for resale and the ability to promote your own products and services.

There are two ways to make money buying websites: selling ads and reselling a website. Each method is good in its own way. For 50 thousand rubles you can buy a site that brings its owner from 5 to 15 thousand rubles a month, depending on how competently the owner estimated it. And after time for self-sufficiency, you will be able to receive net profit, almost without spending any effort.

Website reselling is a more complex process that requires certain skills in evaluating and selling online resources. In order to engage in resale, it is recommended to create a website on your own, and only after you have gone all the way, you can start reselling as a full-fledged business.

precious metals

When we say “investments in precious metals”, we most often mean investments in gold. It is one of the most demanded metals in today's market, its price is steadily growing over a long distance, and during periods of global crises it simply skyrockets.

A little about why this metal is so valued. In terms of investment, gold is very attractive because any state, regardless of the economic state it is in, is interested in attracting gold reserves. That is why, when prices begin to fall all over the world, there is only one thing left - to seek salvation in the "safe harbor" - investing in gold.

It is easy to invest in it. It is enough to open an unallocated metal account in any bank that provides these services, and you will already have on hand a sum of money equivalent to the amount of gold that you purchased. But you should not count on the fact that it will immediately go up, and money will go to your bank account. In order for gold to bring significant income, 5-10 years must pass.

Cryptocurrency

Cryptocurrency is now one of the subjects of a fierce dispute among investors and economic specialists from around the world. Some say that this is not a currency, because. it is not backed by anything and will disappear over time (we would like to know what, for example, the dollar is backed by), while others, on the contrary, argue that due to the demand for it and the limited quantity, it will become more and more valuable until it is replaced by new ones. types of money.

Cryptocurrency is essentially a computer code. It has no physical weight, security and a clear, fixed course. But that doesn't stop it from being wildly popular with people who want to keep their payments anonymous.

There are several types of cryptocurrencies, but the largest currency is bitcoin. Now it costs about 1 thousand dollars, although some 5-6 years ago a person bought a pizza for 10,000 bitcoins.

You can use cryptocurrency as an investment object only in two cases: when you intend to make money on speculation and if you really believe in the prospect of cryptocurrency growth.

Where to invest an amount from 50 to 500 thousand rubles

Here we have prepared for you more large-scale investment methods that require a large amount of capital.

Investing in stocks and bonds

Investing in securities is a popular money accumulation procedure in Europe and America that almost completely replaces bank deposits. According to statistics, about 50% of American families keep their savings in securities.

Investments compare favorably with paper trading. If you have an amount of 100-200 thousand rubles, any broker can not only provide access to the securities market, but also help with advice on where to invest.

There are two investment options: aggressive and passive. With an aggressive style, you will invest in the papers of promising companies, with a passive style, you only need to pour money into the papers of well-known companies, winning on the difference in price and dividends.

If you need an investment method that requires minimal participation in the process, periodically checking and insuring yourself against big losses, while having a yield of 2-2.5 times more than bank deposits, then investing in securities is the best option.

Trust management of capital

Trust wealth management is a relatively new service that companies of various calibers provide. Starting from banks and ending with special centers, firms provide asset management services for individuals and legal entities.

Trust capital management is as follows: every company has a field of activity in which it has achieved success and can earn decent money. For the most part, this area is trading in the stock market. And in order to increase the volume of investments and reduce risks, such companies attract additional capital, which they invest in profitable assets, taking the margin for their services.

Trust management is best "trusted" to specialists in the banking or related financial sector. You should never put your money in the hands of private entrepreneurs or traders. Most often, these are insufficiently professional stock market participants who cannot earn money themselves and are trying to get investors' funds.

Own business

Everything here is simple and clear, but at the same time complex and confusing. Starting your own business is one of the best (if not the best) ways to invest money.

Starting your own business is no easy task. We need an original idea, capital, investors, and, preferably, a team of like-minded people who will follow one idea.

It is important to know that the statistics do not lie: only 20% of businessmen continue to work with their projects. But at the same time, it does not take into account the many companies that were sold to large giants like Google, Microsoft and Yandex for a huge amount of money. And therefore it is important to understand that those businessmen who are left out are not victims of the system. They are victims of their own mistakes, laziness and lack of hard work.

Buying currency

The talk about currency speculation has not ceased since the days of the USSR. But then the currency was in short supply and therefore was in rather high demand. Now there is freedom of market relations, so the currency costs as much as it should. That is why investing in foreign currency is now a rather controversial way of investing.

Investing in foreign currency makes sense when the global crisis begins, or an internal crisis in one of the countries. Then the quotes of one of the currencies fall sharply (in most cases deservedly), but literally in a year and a half they are restored to their usual volumes. A few recent recent examples: the Russian ruble, euro and pound sterling due to various macroeconomic events (sanctions, Trump's appointment and exit from the EU)

What currencies can you invest in?

• the currencies of the Arab countries, backed by gold (they are resistant to inflation and therefore, behind all world fluctuations, they will stably maintain their high rate);
• currencies of developing countries of the 3rd world (they are steadily increasing their exchange rate, are in average demand and can be easily exchanged for the currency of your country at any time without loss);
• cryptocurrency (with all the latest cryptocurrency jumps and hundreds of rumors around it, it becomes an interesting object for investment and speculation. During the period from the beginning of June 2017 to the middle of it, bitcoin broke through the price of 3 thousand dollars several times, and so many once it fell back to 2.5 thousand. Nevertheless, the whole of 2017, starting from spring, was held under the flag of virtual currencies)

In general, investing in foreign currency is suitable for those who like active investing - keep track of their money, make important decisions not once every few months, but every day. At the same time, competent investments in currency can make you a millionaire in one crisis.

Invest in developing your own applications

Own applications - a startup that is addicted to up to 50% of all global entrepreneurs. Most of them create their projects while at their main job, but then the latter becomes uninteresting to them.

If you have money to develop and promote the application (the costs will be about 20 to 80 in favor of advertising), then you can safely occupy this niche, which is just starting to gain momentum. Developing your application can go two ways: manually or with the help of hired freelancers. The first method will take a lot of time and effort not only to create an idea and bring it to the desired result, but also to develop, while the second will require average financial costs.

Development of a simple mobile application can cost $500-1000. A large online project will cost more. In general, the development and promotion of the application can cost 100-300 thousand rubles. Such investments pay off, depending on the project, in 3-6 months.

Where to invest more than 500 thousand rubles

Here we will talk about investments from 500 thousand to several million. If you have money more than 3-4 million, then you must know where to invest it in order to make a profit.

Real estate investment

For some reason, real estate investments in our country, despite their absolute unprofitability and illiquidity, are still quite attractive. This is rather strange for two reasons: interest income from real estate exceeds the minimum (bank deposit) by 3-4% per annum; and the liquidity of investment objects is somewhere around zero. But despite this, most people who have money from 1 million rubles still continue to spend their money on real estate.

Real estate is good because it is stable. But it is stable in the worst sense of the word. Even gold is growing faster than real estate prices in Russia. For the most part, in some areas, prices for apartments, houses and other similar property have gone into negative territory over the past 2-5 years.

The situation in large cities is a little better - real estate there is consistently worth a lot, while refusing to grow. The ever-expanding Moscow region will be an exception, but even there it is difficult to guess which of the districts will be in plus and which will be in the red.

In general, investments in Russian real estate are suitable only for those who want a stable average income with big expenses. The payback of such investments will be from 5 to 10 years. For those who really want to receive a consistently high income with the help of real estate, it is recommended to take a closer look at the houses and apartments of Eastern and Western Europe. In them, real estate becomes more expensive much faster than in our countries, due to the constant flow of emigrants from other, less developed countries. In Russia, there are other, more interesting and profitable alternatives.

Buying a ready-made business

Buying a ready-made business is an excellent investment option for 1-3 million rubles. It became popular in Europe in the late 90s. Then entrepreneurs who urgently needed a lot of money for a new project, or simply those who were tired of the business, sold it to other, more interested persons.

In order to understand whether the project is really profitable, it is enough to be in a team (or work if it is a small business). Then you can see if there really are customers, if the business really brings the declared income, plunge into the process a little and understand whether it is worth buying this business at all.

Having bought a business, you will not need to think about how to launch it, how to deal with competitors and set up production at minimal cost. They will do it for you, they will explain how everything works, and you will only have to control all business processes and make a profit. This option is more suitable for experienced entrepreneurs.

franchise business

As opposed to buying a ready-made business, you can choose a franchise business. A franchise is the exclusive right to use a trademark. In fact, it is doing business under a well-known brand.

Franchise Advantage:

• simplicity;
• convenience;
• stability;
• profit.

Working with global companies, you will be able to use their successful experience in order to fully develop in a new direction. And also you will have a full-fledged development strategy that takes into account absolutely everything, up to the specifics of the population in your city. True, this awaits you only if you choose the right partner to open a business.

Most often, franchises are provided by companies in the field of fast food and restaurant business. The brightest representative is McDonald's.

It will take from 300 thousand to several million rubles to open a franchise business. This amount will include the cost of the franchise itself, the cost of starting the business, as well as monthly contributions from profits.

Investments in startups

Investing in startups is now one of the most highly profitable types of earnings in Europe and America. Since there is a developed investment culture, most start-up entrepreneurs put their ideas on public display and thus look for potential investors.

Investing in startups is risky, but extremely rewarding. Many young people are in a hurry to realize their ideas and require large investments in their projects. But some of them do not yet know the basics of business, do not understand how to work correctly in order to receive money. That is why investing in startups is associated with high risks.

A little advice. In Russia, there is no culture of startups, as such, yet. Therefore, if you decide to invest your money, then you should choose a good foreign project. Of course, you don't know many features of the business, and there are chances that the idea you invest in will fail, but nevertheless, it is much less risky than Russian startups.

But despite the fact that this way of earning is quite risky, professional investors earn huge amounts of money. The best business angels (those who invest in start-up projects) earned millions of dollars by investing only a few tens of thousands.

Unique art objects

And, finally, the most controversial, but certainly an interesting way to invest money is unique pieces of art.

It is impossible to talk about this way of earning for a long time - it is quite simple. You can buy a painting, figurine or any other work of a famous figure that you like for decent money, and then resell it several times more expensive to collectors.

Main investment object

Above, we presented almost all working ways of investing that can bring good profits. But the main object of investment should remain you. Getting a good education, getting the right knowledge, developing your talents and gaining much-needed skills is what really matters.

Your first investment in time and money should go to the formation of yourself. If you are interested in investing as a way to earn money, then you need to spend a lot of time on getting the necessary knowledge, as well as the skills that investors need so much:

• stress tolerance;
• "Alive" mind;
• patience.

When working in any field, you must spend some energy on learning something new about it, no matter how high you are.

That is why every time you think about where to invest this or that amount of money, think about whether you can invest it in yourself.

Now to more practical advice on investment. They will help you invest your funds correctly, minimize risks and “fix” profits in time.

Tip 1. Separate assets

The simplest rule that is often forgotten by many investors when they get a really good offer. Divide your investment on multiple fronts. So you reduce the risks of one-time capital losses to a minimum.

Separating assets is beneficial because they begin to balance each other. A good example is investing in securities. For most investors, the ratio of risky securities to safe securities in their investment portfolios is approximately 30/70. When risky ones go to “+”, they bring tangible profits, about 2 times more than reliable ones. But when risky ones fall in price, reliable ones compensate for their drawdown, bringing the investment portfolio to zero or a small minus. It should also be in other types of investments.

For example, when buying a ready-made business, leave some money in the bank or invest it in profitable securities. Then you can at least partially compensate for the losses if the business starts to make losses.

Tip 2. Balance risks and returns.

The analysis of risks and profitability, as well as their comparison, is the main task of the investor. Main Rule financial market Risks and returns are directly proportional to each other. This means that when one rises, the other also rises.

But the market is not always “right”. Sometimes he can overestimate something, in the wake of a general positive attitude towards the idea, or vice versa, underestimate. Then there are situations when, at first glance, a reliable and low-yielding instrument is actually very risky. A striking recent example is the situation with bank deposits and revocation of licenses of credit institutions.

That is why always try to analyze how risky this or that idea is, and how much profit it can bring. Always correlate these two important indicators with each other, and when you see that the risks exceed the income, then feel free to refuse further actions. But if the profit significantly exceeds the risks, it is worth considering whether everything is so simple in reality.

Tip 3. Try to get as much information as possible about the scope of your investments.

Of course, you don't have to know absolutely everything about where you invest your money. But you should have at least superficial knowledge about the object of investment. If you want to invest in gold, see why it is so valuable. If you want to buy an apartment and rent it out, find out why the real estate market is considered reliable.

Tip 4. Know how to exit the game in time

One of the most valuable skills is to be able to stop in time. You have to be able to abandon unpromising ideas that are losing or have completely outlived their usefulness, and you feel that they do not deliver initial inspiration to you.

Tip 5. Make a profit.

And most importantly, money should make money. This means that you should make a profit from your financial investments. Not "promising ideas", not "100% payback" and not "everything will work out" should worry you. The main thing to look at is whether you will achieve a profit or not. And are you satisfied with its size.

No matter how attractive the idea is, you should always think about money. This is an investment, not a charity

Some still don't know where to invest money and how to make a profit from investments!

What do you need to know about investing?

Where is the best place to invest money?

What should you know about where it is profitable to invest money?

Investing money is always a risk.

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

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

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

Don't invest all your savings in one place.

The investment must be without fail documented.

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 contract, you can lose the accumulated interest.

Talk to friends and family to find out where to invest money.

10 best investment ideas

When investing money, you should consider several options and choose the best one that suits you.

The best ideas where you can invest money:

Suitable as an additional way to save and increase funds.

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

The income from mutual funds is average, but stable.

In a year or two, you can get about 40% of the original amount.

Real estate.

Investing in real estate is the best option.

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

You can also rent an office.

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

In order not to lose funds, it is necessary to draw up a clear, as detailed plan as possible, 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 over, however, in order not to lose funds, you must 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 ingots and coins, you need to contact Sberbank of Russia.

You can also 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 the creation of the site are not too high and fully justify themselves.

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

multilateral educated person will always find its place in the world.

Art.

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

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

Making a decision about where is the best place to invest, you need to calculate all the options possible development events.

In order not to lose all your investments at once, in the event of a negative development of events, 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 new to the principles of increasing profits and methods of investing.

Tips for those who want to invest their money:

1. It is necessary to think about saving and increasing funds 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 makes you take the wrong actions.
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 can eventually withdraw from the account.
3. Always strive for financial freedom. Do not reassure yourself that everything is fine today and nothing more 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. Once every three to four months, create a new source of additional income.
6. Most effective ways investments remain the same from year to year. These are real estate, investments in precious metals, and stock markets.
7. Gold is more liquid in bars than in the form of numbers on a brokerage account. It is best to invest in gold indices in the stock markets.
8. You should use the stock market as a means of investing and multiplying capital only 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 investments.

Investments without losses: where is it better to invest money?

By following the basic rules compiled by investment experts, you can achieve a multiple increase in capital and reduce risk.

Main investment rules:

Reinvestment.

The money 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 that is 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.

Attentiveness when concluding transactions.

Read all the documents, demand the drawing up of a contract and consult with specialists.

Investing money in different baskets.

One project will bring money earlier, the other much later.

To always make a profit, you need to calculate the funds, and distribute them into 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 more popular today than investments in mutual funds and funds.

Many people buy housing at the stage of its development at the lowest price, and subsequently 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 real estate investments, one and two-room apartments should be purchased, but not three-room apartments, since they are bought worse.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are best left to the locals.

It will be very difficult to sell an apartment in the Capital.

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

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

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Hello dear readers!

Many people are willing and willing to invest. But some of us are stopped by the lack of significant capital. Fortunately, small amounts can be successfully invested. That is what today's article will be about. So, read on and find out where to invest a little money to earn.

I will say right away that there are indeed restrictions on the minimum amount of investment in many investment companies and projects. If we talk about large European brokers, then the entry threshold, as a rule, starts at $10,000 or even more.

Why is this being done? Large companies simply do not want to spend time on service and support for customers who bring little income. In general, the usual Western prudence is manifested.

At one time, I myself faced this. However, there are options for investment. And over time, it became quite clear that even with a small amount you can start making good money on investments.

Trust management technologies

Secondly, never, under any circumstances, trade forex or binary options on your own. Barkers beckon with easy money. In fact, it is always a one-way ticket to losses. There is a sad statistic: beginners lose in Forex in 99.7% of cases.

At the same time, there is a slightly smarter way to make money. You can invest in experienced managers who have proven themselves over time and are included in these 0.3% of successful traders. In fact, this is the same as that offered by large European brokers, which were discussed at the top of the article.

Modern technologies for investing in forex through managers are called PAMM and MAM. Adequate yield of these instruments lies in the range of 20-100% per year.

PAMM accounts especially common in RuNet. Competition in the industry spurs the fight for customers. As a result, now there is a large selection of successful managers and a number of convenient services for controlling your investments. At the same time, the minimum amount for cooperation with a particular trader starts from $10-$100.

Statistics from one of the popular MAM account managers. The investor gets 50-70% of the profitability

Projects

Also, I would note highly profitable projects. They are also called HYIPs. This is quite a risky tool.
As a rule, the risk is covered by a generous return. Profits can amount to tens of percent, and not per year, but per month. The least risky tactic is to invest in a particular project for a period of one or two months, and then withdraw funds.

In conclusion, I note the need for a comprehensive Try to combine different tools. And then the risk will decrease, and the potential profitability will remain.

I would be grateful for your questions / opinions on where to invest a little money to earn in comments.

I wish you all a profitable investment!

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The real incomes of the population depend on nominal accruals and the level of inflation. The latter increased by 3.2% in 2017. The growth of nominal accruals is less than the pre-crisis level. A Russian with an average income can pay his living expenses, but he will not have the funds for travel or for a quality vacation. Therefore, many people think about where it is profitable to invest money.

Where can you invest money today?

The issue of investing funds is very relevant today. Experts advise investing in large projects just after the stabilization of the ruble exchange rate in the market. Investors with small capital also have interesting options.

Along with forex and the stock market, binary options are gaining more and more popularity. If the investor guesses the direction of price change, he will receive a profit of 50 - 75% of the rate. Other popular destinations include cryptocurrencies, mutual funds, PAMM accounts.

Much has been said about earnings from the financial market before. But such a direction as making money from online games is only gaining popularity. For registering in the project and completing simple tasks, the player receives income and bonuses. This option of earning can be considered as a way of temporary part-time work.

Investments in bank deposits are still being actively discussed. It is a risk-free and low-return investment. Banks are also actively promoting deposits in precious metals, both in the form of bullion and OMS. In the long run, these investments are profitable. The question is whether the inverter is ready to wait several months until the metal price changes.

How to choose a win-win option when investing money

It is worth noting right away that there are no risk-free investments. If the bank fails, depositors may lose their savings. Investors can only reduce the level of risk to a minimum.

What Experienced Investors Look For

Experts advise considering as many promising ideas as possible in the process of choosing an object. Then analyze in detail the profitability of each direction.

When choosing an object, the ratio of profitability and profitability should be taken into account. Before freezing finances for a long time in real estate, you should analyze the profitability of a similar object.

Experts advise relying only on own forces. Only accumulated funds should be invested. If you cut expenses by 30% and increase your income by 20%, then people with average incomes can save $1,000.

Investment diversification

You need to invest in different objects, assets and markets.

According to the rules of risk management, approximately 60% of the capital should be directed to risk-free assets. Investing in precious metals has always been popular. Investment risk is minimal. The payback period depends on the price dynamics, but on average it is 1-2 years.

The rest of the funds can be invested in stocks and bonds. If there is no knowledge, opportunity or time for training, then it is better to entrust funds to mutual funds. The bank, as an asset manager, will select the best bonds for investments, and will itself execute and carry out the purchase and sale procedure. You will have to pay a commission for trust management.

Calculation and control of risks

To understand in which direction to move, you need to clearly monitor the current situation. To do this, you need to keep a diary in which all investments in objects and the income received are recorded. For traders of the stock and currency markets, even a special diary of transactions has been developed. After all, the trader's net income is the profit from the transaction minus the broker's commission.

Investors in the real estate market should pay attention to the economic situation in the country. AT crisis period it is easier to buy an object at a bargain price, wait for the market to stabilize and then sell it.

Money has to work. Therefore, while the investor is studying promising areas of investment, his savings should be left on a bank deposit so that they do not depreciate.

The so-called risk-free areas of investment are intended more to suppress inflation. Interest rates on deposits barely exceed the average annual price increase. But this scheme of earnings brings a stable income.

Interest-bearing bank deposits

Banks accepting deposits from individuals must be members of the insurance system. Then, in the event of bankruptcy of the institution, the depositors will receive their savings in the maximum amount of 750 thousand rubles. When choosing a deposit program, you should check whether the financial institution has a license from the Central Bank and whether it is registered with the DIA.

Russians trust their savings to state institutions: Sberbank and the VTB Group. These banks are market leaders in terms of the number of attracted deposits. However, users in their reviews complain that it is rather difficult to terminate the contract prematurely, and the level of profitability in these institutions is 2-3 p.p. below the market average.

Real estate: letting, rent

The safest investment option is to buy real estate. Moreover, it should be purchased precisely during the crisis period, while market prices are understated. Many investors consider this direction as a way to save money. In times of crisis, the object can be leased and rented.

Investing in real estate, as a way to increase capital, requires knowledge, experience and the availability of funds. Otherwise, funds frozen for a long period of time will not bring income. In the second case, it is worth investing money at the stage of laying the foundation. Then, by the time of delivery, the cost of the object will increase by 2.5-3 times.

Investing in small and large businesses

People with an entrepreneurial streak and promising ideas are best off investing in their own business. To implement the project, you will have to draw up a detailed business plan, evaluate your competitive advantages in the market and think over advertising based on them. In the process of implementing the project, the entrepreneur will have to carry out all the work on his own. As the business develops, it will be possible to hire assistants. Investing in your own business has one serious drawback - the entrepreneur will have to take on all the risks of implementing and implementing the project. Or find co-investors. In the second case, the profit will also have to be shared with partners.

Old methods of investing bring little profit. Those who are looking for innovative tools should pay attention to such offers.

stock markets

Investing in the stock market will be beneficial for those investors who are going to freeze their funds for a long time. Intraday speculative trading is a separate profession that takes a long time to learn. To work on the stock market, you need to open an account with a broker and, at a minimum, familiarize yourself with the operation of the platform.

The advantage of this method is that you can make transactions not only at your own expense, but also borrow money from a broker and open "short" positions in the market. Upon completion of the operation, the trader returns the borrowed funds to the broker, and keeps the interest income for himself.

To work on the stock exchange without a broker, you need a capital of several thousand dollars. This option is not available to everyone.

Forex

Forex trading can be done by beginners without experience. Brokers develop structured products for their clients. Their essence lies in the fact that the investor distributes his deposit between risky and risk-free investments. The basis of the investment portfolio is not only precious metals, but also popular raw materials (oil, corn, sugar, etc.).

The investor chooses an investment scheme based on:

• the level of deposit protection (what share of the capital the broker undertakes to return in any market situation);
• the participation rate in each direction of investment (according to this indicator, investments are divided into risky and risk-free).

Online games, casino, poker

The most popular methods of making money today online games very risky. By participating in games, you can win a small amount of money several times. But you won't be able to make a living playing casino games.

They use several schemes to defraud money:

"A win-win combination." With this phrase, scammers attract newcomers' money to casino resources, which, according to their calculations, can bring good income. Moreover, the information is provided absolutely free of charge.

Program Vulnerabilities. With this approach, scammers are trying to lure out money for developing a unique code that will help beat the casino.

Where to invest 100,000-500,000 rubles to earn without risk

Amounts of several hundred thousand rubles are better to invest in real estate, construction and antiques.

Acquiring objects in the elite real estate segment should be at the stage of laying the foundation. Every year, the return on investment will increase by 7%, not counting the market value of the object. By the time of commissioning, the cost will increase by 2-3 times.

For half a million rubles, you can buy a franchise. In this case, the license holder provides full support: consults in the process of manufacturing products, searching for distribution channels, decorating premises, paying advertising costs, and conducting staff training. You will have to pay monthly royalties (rent) for receiving such consultations. In 70% of cases, such expenses are fully paid off in six months.

You can also invest half a million rubles in your own existing business. It is not recommended to invest money at the development stage of the project due to high risks. It is better to use such funds to strengthen market positions and develop new segments. Achieving this goal is easier for an organization with a good reputation than for a startup.

Another option is to open a deposit in one of the investment banks. Interest rates at European financial institutions are higher than those of Russian ones. However, funds will have to be frozen for a year. In case of early termination of the contract, income is recalculated at the minimum rate.

If you are thinking about where to invest your money, then pay attention to the following options. These ways of investing bring good returns in the long run.

Investment in precious metals

It is better to invest in precious metals through a banking institution, otherwise there is a chance to run into scammers. It is better not to take the purchased ingot from the bank. If the box or metal is damaged, then it will be difficult to sell it. In addition, when selling an ingot, you will have to pay VAT. If the value of gold does not increase by 18%, then such an investment will be unprofitable. Therefore, you need to invest in bullion for at least 5 years. In the short term, it is better to invest in an unallocated metal account. The profitability of such investments is less, but you will not have to pay taxes when closing an account.

Investing in cryptocurrencies

Imagine a house with a lot of locked apartments. Each of them contains a coin. You need to sort through all the keys to open the door and get money. The same is the case with cryptocurrencies.

There are digital encrypted money (Bitcoin, Litecoin, etc.). To get them, you need to go through many combinations. A limited number of coins creates supply and demand. In 2014, the value of Bitcoin increased 100 times and then decreased. The main disadvantage of this way of investing is that there is no guarantee of price growth.

Cumulative life insurance

Many of you have probably heard of such a service as life insurance. But not everyone knows that this tool can be used to invest funds. The essence of accumulative insurance is that at first the client transfers a certain amount to the fund, for example, $400 per year. This process continues for 5 years. At the same time, the life of the client is insured against accidents, injuries and disability. The difference between the service and ordinary life insurance is that if an insured event has not occurred within 5 years of the contract, the company returns all invested funds to the client. And additionally pays 4% per year for the use of money. The client will invest 2 thousand dollars, and after 5 years will receive 2.253 thousand dollars. The income is small, but guaranteed.

Mutual funds

Mutual investment funds are characterized by an attractive risk/reward ratio. The client transfers funds to a management company, whose employees independently choose the areas of investment and invest them in various assets (securities, real estate, etc.). In Russia, many banks provide this service - Sberbank, Raiffeisen, VTB, etc. The return on a deposit is higher than a bank deposit, but there is no guarantee of income. During the year, the company can make a profit or loss. Therefore, only large mutual funds should transfer money for management.

Put money on deposit

Existing clients of a financial institution can open a deposit without leaving home. To attract customers on online deposits, banks charge a higher percentage (due to savings on paper contracts). To terminate the contract ahead of schedule, you will have to contact the financial institution. If the client has not applied for funds at the end of the contract, it is automatically extended. The main advantage is the money back guarantee. The possibility of concluding a transaction via the Internet is a new competitive advantage.

Private lending

In this case, the investor acts as a lender who lends funds to the borrower and receives a percentage fee for this. The level of profitability is regulated by the lender independently. Interest can be accrued even daily. The disadvantage of this method is the risk of running into an unscrupulous borrower. In this case, it is almost impossible to return the funds. Due to the lack of complete information about the borrower, his actual place of residence, it will not be possible to collect debts through the court. You can start working in this direction through the Webmoney loan exchange.

Investments via the Internet

It is possible to purchase a site that is already generating good income from advertising, affiliate links, paid services. But to manage such an asset, special knowledge is needed. Otherwise, the site falls under the filter of the search engine and investments will be unprofitable.

An equally risky, but more interesting option is to invest in a startup. Developers of interesting projects usually do not have the funds to implement them. So they draw up a business plan and approach investors. The profitability of the project can reach hundreds of thousands of dollars, but the level of risks associated with such projects is high. According to statistics, 70% of such projects leave the market. Therefore, experienced investors finance several projects at once.

How much can I start investing

You can become an investor in the forex market with 100 rubles in your pocket. The main thing is to have a desire to receive additional income. Then it will be easier to set aside 10% of all income for investment. Gradually, creating savings will become a habit and there will be no desire to increase expenses with income growth.

In order to receive income from the stock market, it is more expedient to open an account with 30 thousand rubles. on hands. Where does this number come from?

The cost of a lot of securities costs an average of 1-5 thousand rubles. The basic principle of competent investment is to diversify investments, that is, purchase stocks and bonds of different companies. The initial deposit amount does not matter. You need to learn to observe this principle from the moment the first transaction is made.

Funds should be distributed between risky and risk-free securities. The majority of the investment portfolio is made up of fixed income bonds. The share of shares should be calculated so that fluctuations in quotations do not exceed the yield of bonds. This approach will allow you to create a portfolio in which the risks of losing funds are minimized.

Taking into account the described rules, the investor decides to buy 4 shares at 2 thousand rubles. The risky part of the portfolio is 8 thousand rubles. The share of bonds in the investment portfolio should exceed 70%, that is, another 27 thousand rubles. It is better to invest in the stock market with a capital of at least 35 thousand rubles.

Investing money with an investor

You can become a business owner without a large amount of capital. It is enough to find several investors who are ready to invest in the project and become a co-owner of the business (shareholder, shareholder, shareholder). The founders share profits and losses in proportion to their contribution to the capital of the enterprise. You can become a co-owner of a business by buying a stake in an LLC, shares in a company, or joining a mutual fund.

The right to receive part of the profit is not a guarantee of a return on investment. By acquiring a part of the business, the entrepreneur runs the risk that the invested amount may decrease significantly. The reasons can be different: mismanagement, market crisis or changes in market conditions. That is, equity participation in investments does not guarantee a return on funds. However, the profitability of such projects over certain periods of time can be two or three times the amount of the initial investment.

The largest companies in the world appeared precisely thanks to equity participation in business. In practice, a situation often arises when one investor contributes almost the entire amount, while the other simply manages the company. Since the financial result is divided between business participants, it is advisable to stipulate and fix the share participation of each of the partners in the contract.

No country in the world can produce absolutely all goods, and Russia is no exception. More than half of export earnings come from oil sales. For foreign currency, you can buy those goods that are not enough in our country. Companies purchase foreign currency for rubles in order to then import goods. The more foreign exchange, the cheaper it is (the exchange rate of the ruble increases). And vice versa. Therefore, on the eve of the new year, when goods are sold in large quantities, including imported ones, the dollar and euro increase in value. At this time, the currency should be sold to those who bought it during the year.

Gold is a resource, the amount of which is limited in the world. In the long term, it makes sense to invest in this precious metal in the form of bullion. However, when selling them, you will have to pay VAT. Alternatively, you can issue a gold bank deposit or open a CHI. For short-term investments, it is better to buy gold futures.

Experts advise beginners to refrain from working with cryptocurrency. If it brings such a high income, then there is a risk of losing funds. Any national currency has a country, events in which affect its value. Virtual money does not have this characteristic. Therefore, investing in cryptocurrencies just because it is fashionable is not worth it.

How to save money from inflation

The growth of the foreign exchange rate in the pre-New Year period will be accompanied by a depreciation of the ruble. How to keep your savings?

Don't keep them at home. So that savings do not turn into "dead weight", you should open a bank deposit, preferably in several currencies at once. Unlike Europeans, 40% of Russians prefer to keep money at hand at home. For those who don't trust commercial banks, you should open a deposit in a state bank.

Buy imported goods. During the period of devaluation of the ruble, import goods rise in price first of all. If you have not yet decided on an investment object, do not trust banks and do not want to lose the real value of your savings, buy what you have long wanted (car, washing machine, etc.).

Savings can be invested in precious metals. Indeed, during the crisis period, their value increases. It's not just about gold or silver bars. Today in banks you can buy rare and expensive coins made of platinum and palladium. Don't invest in jewelry. The share of precious metals in their alloy is very low. You can quickly sell them at the price of scrap.

Where not to invest

No matter what level of income the financial pyramids promise, it is impossible to invest in them.

In particular, HYIP funds that are popular today are an example of financial pyramids. Fraudsters attract naive investors with a beautiful site and the opportunity to receive a large percentage income (50-250%) in a very short time (from one hour). The average life span of such funds is one day. Profit from HYIP is received only by their creators.

Much has been said in the past about investing in real estate and the stock market. In no case should you invest borrowed funds in these assets. And it's not about strategy or experience. From a psychological point of view, it is very difficult to make money on borrowed funds and no one succeeds. Such trade brings only a loss.

Buying real estate on credit in anticipation of a crisis is risky, if only because banks can raise interest rates on mortgages. The overpayment on the commission completely eliminates the difference in price. Such an investment brings only a loss. Investing in a car is not profitable under any circumstances. Vehicle, which left the gates of the auto center, immediately loses 30% of the cost.

We hope this article was helpful to you. If you know other good options for where to invest money and make money from it, share your thoughts in the comments.

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 2020 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. This may not always be the case if you engage in self-education, but you can also choose educational trainings, courses, consultations.

Bank

familiar, understandable, calm option investments. 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 gaining popularity overseas property, apartments in resort regions for renting out during the tourist season.

For example, currently in Bulgaria you can buy an inexpensive studio on the sea or in 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 management 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 currency 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 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. 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. 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 2020:

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 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 by the yield of mutual funds, then the leader for last month is a URALSIB company 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 different 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 for the type of investment you are interested in. 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 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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