Reliable investment. Where to start investing and how best to do it

Active earnings or, to put it simply, work takes up most of our time. After a working day, we get tired, we return home with thoughts of rest, sleep, in order to recuperate. And the next day everything repeats. So it turns out that work and sleep become the main “thieves” of time.

Therefore, those who have already been active enough and have earned a certain amount of money begin to look at the new role of the investor. “ Now let the money work for me!”After realizing that it is possible to earn passively, a potential investor begins to look for options on how to safely invest money for profit.

Passive income gives you financial independence. A person ceases to depend on money itself, since their quantity increases without his participation. His thoughts are not busy with where to make money. Subject to a profitable investment of money, he has a strong material base and time to do what he loves, not for the sake of money, but for the sake of pleasure and pleasant emotions.

What can I say, passive income is nice money. But making the “papers” work is not such an easy task as it might seem at first glance.

Having the same amount of money, two investors will dispose of them each in their own way. However, it is not certain that both will succeed. The return on an investment depends on many factors. And first of all - from the right choice of investment object. It is extremely important to find profitable and safe options for passive income, so that, in the end, you can sleep peacefully at night, and not be tormented by thoughts of possible financial failures.
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Investing in a particular project is not a big deal. As well as losing what you have invested. The question is how to make a profit. If you ask an experienced successful investor where you can profitably invest money now, the first thing he will say is diversify your investments. That is, divide the money into several parts and try to profitably “attach” each of them. This will help insure yourself against losing money in case of unsuccessful investments, since profitability from other sources will cover this damage.

It is especially difficult for a beginner to decide on an investment object, blinded by the many brilliant prospects that abound in the financial market.

Flashy billboards with flashy slogans, happy stories about slum millionaires, and free "expert" advice. Someone else's happy endings undoubtedly motivate, but not a single adviser will reimburse you for financial losses. Only you are responsible for them, and you yourself must look for options for the most profitable investments that will increase your capital, and make you richer, freer and happier.

Where to invest and where not to invest in 2020: a rating of the best and worst investments of money, as well as the basic principles of successful investing. Let's go straight to the most important.

Principles and rules of investment

Money is not superfluous. Everyone wants to earn more, but for this one desire is not enough. If your money just lies, no matter where - in a chest of drawers, a safe, in a bank account or in an electronic wallet - their amount will never increase by itself. They need to be “sent to work”, and before that - to find a decent place. There are a lot of vacancies for free cash now, but in order to choose a decent option, you need to know the basic principles and rules of investing.

“Profit is proportional to the risks that the investor takes”, says the golden rule of investing.

In order to correctly assess the risks of investing in a particular project, it is necessary to have a clear idea of ​​how this financial instrument works and what profitability it can bring. That is why it is important to start your investor experience by investing in yourself: to gain certain knowledge in order to be competent in this matter, and only after that proceed to practice. At least that's what the richest people in the world recommend. And somehow it is silly not to listen to their advice.

How to invest money correctly in order to get a good return that meets your expectations?

Rules for successful investing that an income-oriented investor must follow.

1. Have a financial reserve

It is necessary to invest in various projects only if you have a strong material base. Investments are your free capital and by no means the money you plan to live on. Have you heard of the financial cushion? You simply need it if you are planning an investment.

financial pillow- this is a reserve of money, designed for 6 months, with which you and your family can live, maintaining the usual standard of living and having no other sources of income.

2. Diversify investments

The principle of diversification, that is, the division of funds into different investment instruments, will protect you from unsuccessful investments. If in one case you “burn out”, then profits from other sources will cover your losses. Simply put, don't put all your eggs in one basket. A mouse can run past, wave its tail, hook a basket ... Both grandfather and grandmother will cry.

3. Control risks

Do not let anything take its course, whether it concerns investments or any other business. Otherwise, both investments and possible profits will run away like a May brook.

An experienced investor always first calculates how much he can lose, and only then potential earnings. Beginners often make the mistake of not paying due attention to the possible risks. As a result, the result does not live up to their expectations, losing weight, would-be investors along with it.

4. Go from simple to complex

You should not immediately engage in aggressive investing, especially if this is your first experience. Invest in more conservative, easy-to-understand tools first. And having gained knowledge and experience, go to the next level. As an investor, evolve slowly, don't rush.

5. Start small

$100, $1000 - do not invest large sums at once, especially in one project. First, focus on small targets, feel like a confident shooter, and only then go on a big hunt.

6. Attract co-investors

Having sufficient experience, you can join the investment pool, which will provide even more opportunities for earning. Invest in the project partially, sharing all the risks and, accordingly, the profit with other investors. The key is to only work with people you trust.

7. Create passive income

Investments are always risky. Today you earn, tomorrow you lose. Unfortunately, no one is immune from financial failures. Therefore, do not spend all the money you earn, but build your passive capital, which you will definitely need if something goes wrong.

TOP 21 ways to invest in 2020

We have listed the basic rules how to invest to earn income. Now let's look at the options where to invest to justify the investment.

Here are the most profitable and safe ways to invest in 2020:

• Mutual Fund (PIF);
• ETF fund;
• Bank deposit;
• Securities;
• Binary options;
• Venture funds;
• Structural products;
• Internet projects;
• Coins (numismatists).

Let's analyze each of them in detail.

Mutual fund (UIF)

Bottom line: invest in a management company (PIF), namely, buy a share (share) in it and receive a certain percentage of the profit from the company's activities.

A mutual investment fund or a mutual investment fund is a financial institution that forms its investment portfolio from various financial instruments and sells shares - shares in this portfolio. The investor or shareholder receives interest depending on the size of his share.

A profitable way for passive income. However, the return strongly depends on which mutual fund you have invested in. There is no guarantee that at the end of the reporting period you will receive a profit instead, since funds may operate at a loss. Thus, you are collectively liable for the activities of the fund.

Advantages :

• Small starting capital for investment;
• High interest rates;
• Possibility to independently create an investment portfolio;
• Making a profit by reselling your share, which can increase in value.

Flaws :

• Relatively high risks;
• Yield can be negative;
• The complexity of the investment process compared to more conservative methods.

Essence: transfer of management of financial assets to a professional manager (trader). Traders are interested in increasing your money, as they only get rewarded from profitable trades.

Suitable for those who do not have the experience and time to understand all the nuances of trading in the financial markets.

Trust management is a way of financial relationship when you transfer your capital to a trustee, and he uses it to make a profit. For successful management, the trader receives a certain percentage. If the trading strategy chosen by the trader fails and losses occur on the account, then he, at your request, can stop working.

Advantages :

• A way to increase capital without experience in financial management;
• Opportunity to earn high income
• Low minimum amount to enter;
• Risk minimization by dividing investments into parts and investing in different managers;
• You don't need to trade yourself.

Flaws :

• Relatively high risks (depending on the chosen strategy: conservative, moderate, aggressive);
• It is difficult to predict profitability and loss-making periods;
• Profitability largely depends on the manager himself, his competence and experience in trading in financial markets.

ETF fund

Essence: replenishment and diversification of your investor portfolio with promising financial instruments for the purpose of a profitable sale in the future.

An ETF is an open-ended investment fund, which is a portfolio of assets that, as a rule, repeats some popular stock index as much as possible.

An ETF is similar to a mutual fund: here we are also talking about professional asset management, only in the case of ETFs, shares are bought, not units. But there are also differences.

• Units from a mutual fund cannot be sold at any second, shares on - you can;
• in mutual funds, the minimum investment is set by the management company or the selling agent; in ETFs, it is equal to the value of one share;
• Units cannot be bought with borrowed funds or debt, which is quite acceptable for ETF shares;
• When trading shares, additional commissions may be charged; when working with ETF shares, there are no extra commissions.

Advantages :

• Ready-made investment portfolios compiled by professionals;
• Huge variety of ETF funds and portfolios;
• Fast and transparent process of buying shares;
• Minimum entry threshold;
• Reliable investment for the long term.

Flaws :

• Relatively high risks;
• Shares can depreciate sharply, and it is important to sell them on time.

Bank deposit

Essence: invest money at interest in a bank, income depends on the type and term of investments. More suitable for saving money, rather than earning. If you are looking for which bank it is profitable to invest your existing capital, then pay attention to the availability of an official license for banking activities. If we are talking about investing a large amount, then divide it into parts and put it in different banks.

Advantages :

• A simple and understandable investment tool;
• High reliability;
• Low risks;
• A profitable investment in a bank is possible with a minimum starting capital (from 1000 rubles);
• Regular interest payments;
• Possibility to return money at any time;
• Guaranteed payments on deposits if the bank for some reason ceases to exist.

Flaws :

• Profitability - minimum;
• Many banks have low interest rates on deposits;
• With early withdrawal - the interest is lost.

Securities

Essence: a method of investment involving the acquisition of various financial instruments from companies and corporations and the receipt of income paid in the form of% of the face value of the security. There are different types of securities, but the basis of classification is stocks and bonds.

Shares confirm your share in the company they belong to and give you the right to vote at the general meeting of shareholders. They do not expire: dividends from holding shares can be received for life.

Bonds confirm that you have lent a certain amount of money to the company that issued them. Upon the expiration of the agreed period of validity, the bonds are subject to mandatory redemption.

It is not possible to buy securities directly from the issuer. To do this, licensed brokers are involved as intermediaries who help carry out purchase and sale transactions. A reliable broker will tell you how to invest money and in which stocks.

Advantages :

• Reliable long-term investments;
• Minimum initial capital;
• High profitability;
• Variety of financial instruments for risk sharing;
• When owning a significant number of shares - participation in the management of the company.

Flaws :

• High risks of receiving losses or not receiving income;
• The need to act through intermediaries.

Essence: earnings on, that is, on the difference from the purchase and sale of a financial asset. Forex is a foreign exchange market where a trader can buy/sell different currencies. You can invest in forex through banks or online through specialized brokers.

Advantages :

• Low entry threshold and accessibility;
• The ability to quickly earn big money;
• Wide range of trading instruments (currency pairs);
• You can trade on your own or entrust the money to professional traders.

Flaws :

• market unpredictability;
• Big risks of losing funds, especially for inexperienced investors;
• Training required: special knowledge and skills;
• High risk of being scammed.

Best forex brokers:

#	Broker	Year of foundation	License	Head office	Link
1		2000	Central Bank, NAFD	Moscow
2		2006	FSA	Dublin
3		2011	MFSA	Malta
4		2009	ASIC, CySEC	London
5		2015	LLP	England
6		1997	CySEC, Central Bank	Cyprus
7		1997	FCA, CFTC	Chicago
8		1995	FCSM RF	Moscow
9		2004	FINMA	Geneva
10		2010	ASIC	Australia

Essence: a classic investment tool involving the acquisition of a promising property. If you are looking for real estate to invest in, then keep in mind that commercial real estate will bring more income than residential, but buying it requires more in-depth knowledge of the market.

Advantages :

• A reliable investment in the long term, as the price of real estate grows;
• Increasing passive capital by renting out premises;
• High profitability in case of successful resale at a higher price;
• Use for your own commercial or non-commercial needs: live in an apartment, open your own business in an office building;
• A big plus of investing in construction is the ability to save money by protecting it from inflation.

Flaws :

• Relatively large initial capital;
• It takes a lot of time as well as knowledge of the market;
• Low liquidity: it is impossible to sell quickly and without financial losses if you need to return investments;
• The disadvantages include susceptibility to physical wear and other mechanical damage (damage by tenants, fire, etc.).

Binary Options

Essence: a popular investment method that allows a trader to earn money by buying and selling shares of corporations and banks. Investing in binary options is considered one of the most quick ways receiving income. It is also a great way to save your money from the harmful effects of inflation and devaluation.

The main thing is to know the basics of fundamental and technical analysis and choose the right broker.

The task of the investor is to correctly predict the value of the traded asset after a certain period of time. After the set time has elapsed, the result is evaluated: if the forecast is confirmed, the investor earns, if not, he suffers losses.

Advantages :

• Profit can be up to 80% of the bet;
• A wide range of trading financial instruments: stocks, precious metals, oil, cryptocurrency and others;
• The amount of profit and possible loss is predetermined;
• The ability to independently determine the ratio of profit and loss;
• You can trade and earn around the clock and seven days a week;
• Easy access to the trading platform from any device.

Flaws :

• Sufficiently high risks;
• The need to work through an intermediary;
• The loss can be up to 100% of the bet;
• You can not close the deal before it is completed;
• There are no credit obligations: the investor can only trade with the funds that he has.

Essence: investing free funds in microfinance organizations and making a profit from an interest rate, the amount of which depends on the size and term of the investment. The amount of interest deductions on the deposit directly depends on the term of investments: the longer it is, the more the investor earns.

However, the high entry threshold makes this niche closed for most investors: MFIs have the right to attract individuals from 1.5 million rubles

MFIs use investors' money to make small loans (loans) to the public. All MFIs are divided into MFCs (microfinance companies) and MCCs (microcredit companies). The difference between them is only in the amount of investments: investments in the IFC start from 70 million rubles.

Advantages :

• Profitability from 10% to 30% per annum;
• High interest rates relative to bank deposits;
• Passive income, involving a minimum participation of the investor.

Flaws :

• Very high entry threshold: minimum investment - from 1.5 million rubles;
• High investment risk and lack of deposit insurance;
• You can withdraw ahead of schedule only what was invested in excess of 1.5 million rubles;
• Lots of scammers.

Essence: invest in your business or project, thereby becoming its owner and independently regulating the movement of money and their distribution. Indeed, in what business is it better to invest money, if not in your own? True, the business owner also takes on all the risks, which are especially high at the initial stage of starting a business.

To minimize risks, do not invest a lot of money at once, but develop gradually. For your business, choose niches with minimal competition, and with a small initial capital, it is best to go into the service sector.

Sometimes, to implement the chosen business idea, you need to look for additional funds on the side. But for a promising business idea, finding co-investors is not difficult. Competent investors will always recognize a worthwhile offer and will not hesitate to grab a piece of a promising “pie”. In addition, getting a loan to start your own business is also quite easy.

Advantages :

• One of the highest returns among all investment instruments;
• The ability to start with a small investment and even with zero investment;
• "Your own boss": full freedom when making decisions;
• Independent risk management and optimization of all business processes;
• To open your own business, it is not necessary to have the entire amount at once: it is easy to get a loan for these purposes.

Flaws :

• High initial risks;
• It is easy to lose everything without having time to earn anything;
• Low liquidity: it is difficult to quickly sell a ready-made business without financial losses;
• You need to constantly invest in the development of the project;
• For competent management and development, you need to constantly learn;
• Attracting co-investors can lead to loss of control of the company.

Essence: investing in young innovative companies and making a profit in the future. This way of earning attracts investors by the fact that if there is income, then most likely it will be high. Those who invest in startups are often referred to as “business angels.”

Some startups are a radical new business, others are a new version of the “old” one.

A startup is a company with a product or service that did not exist before. Therefore, investments in such projects can be very unpredictable. On the one hand, the potential income is unlimited. If the project "shoots", you can earn a lot, a lot. On the other hand, an investor has the same chances to invest in an unpromising project and “burn out”.

Therefore, when choosing which startups to invest in, it is important to conduct a thorough analysis of a large number of projects and compare them with each other. It is better to invest in an area that you are familiar with, ideally one that you have worked in yourself. The more knowledge you have, the more accurately you will be able to assess the advantages of the company and determine whether you want to invest your money in it.

Advantages :

• Innovativeness and freshness of the business idea;
• Potential income is unlimited;
• Opportunity to earn a lot in a short time.

Flaws :

• High risk of losing money;
• Active participation in business, control of all processes;
• A deep preliminary analysis of the product / service and their demand in the market is required;
• The success of the project directly depends on the team;
• Illiquidity of investments: the first profit can be only in a few years.

Essence: the acquisition of gold, silver, platinum, palladium and other precious metals, the cost of which is continuously calculated due to limited reserves. This is a conservative way to increase capital and a reliable option to keep existing banknotes, protecting them from depreciation.

If you are looking for ways to invest in metals, then keep in mind that there are several investment options: buying bullion, coins, opening metal accounts, buying securities of gold mining companies. These assets can be purchased at a bank or from brokers.

Investing in precious metals is especially important during a crisis, since it is there that money from the stock market migrates in difficult times.

However, such investments, as a rule, are designed for a period of 3 years or more, therefore they are not suitable for quick earnings. Is it worth waiting so long - each investor decides for himself. In fact, it does not matter what metal to invest in. It's more important to be able to wait.

Advantages :

• The value of precious metals will only rise in the future;
• Precious metals are not subject to physical deterioration;
• Highly reliable investments: there are practically no risks of depreciation of metals;
• Easy to buy/sell at any time;
• A reliable option for saving money, especially during a crisis.

Flaws :

• Low profitability during the period of economic growth and development;
• High income tax;
• Long payback of investments;
• The need to work through intermediaries: banks, brokers.
• High commissions of intermediaries when buying/selling precious metals.

Venture funds

Essence: investing in innovative high-tech projects at the stage of a startup or even an idea. Distinctive feature venture investments, which attracts investors - very high returns. A good, successful business can bring thousands of percent profit. However, this is undoubtedly a risky investment option.

As a rule, only 1-2 projects out of 10 are developed and bring profit to those who have invested in them. But this risk is often justified: one “shot” project can more than pay off several unsuccessful ones.

The profitability of investments in venture directly depends on the term of deposits: short-term investments suggest higher profits and increased risks, long-term investments - more moderate profits and greater security.

Advantages :

• Progressive direction for earning on investments;
• The highest possible profitability in case of success;
• Relatively fast payback;
• Opportunity to invest small amounts of money at the start.

Flaws :

• Weakly developed in Russia;
• It is difficult to predict how popular the invested startup will be;
• Assume a relatively large start-up capital;
• Fraud is widespread.

Structural products

Essence: a financial instrument for making a profit, which involves the division of capital and the investment of the main share (70-80%) in bonds, and the remainder of 20-30% in futures and options. Such a ratio of a less risky asset to a more risky one allows the investor to receive up to 40% profitability in case of success, and in case of failure, to remain with his funds.

A structural (sometimes structured) product is based on simpler financial assets and consists of several parts, each of which performs a protective or investment function.

The structure of the product may include deposits, securities, currency, precious metals, raw materials and other assets and their derivatives. Each investor can purchase this package: no special knowledge is required for this.

Structured products provide an opportunity to invest in a certain asset for a fixed period (from 3 months) and at the same time provide full or partial protection of investments from possible losses. They gained popularity during the crisis. During economic instability, investors choose instruments that can bring more profit than ordinary bank deposits and minimize possible risks of loss.

Advantages :

• A modern alternative to the classic deposit;
• Ready-made investment solutions for portfolio diversification;
• High profitability with relatively small investments;
• Managed risk-return balance;
• saving time - one investment places funds in different assets;
• Choice of ready-made structural products or the possibility of developing an individual one;
• With unsuccessful investments, the investor loses nothing.

Flaws :

• The product is new for the domestic market, actually no good choice;
• Withdrawal of funds before the end of the investment period is possible only with a loss of income;
• Lack of insurance and any guarantees;
• It is difficult to track and control your investments;
• In the absence of profit, the investor receives back his investments, but during this time they have been depreciated by inflation.

The bottom line: investing in, and other popular digital coins with the prospect of earning on the difference in rates, as well as receiving income from (mining) cryptocurrencies.

The best cryptocurrency exchanges:

The investment interest of such investments lies in the advantages of digital currencies over traditional ones: decentralization, anonymity, security. Many cryptocurrencies are limited, that is, the total number of coins is known in advance. For example, it is known that a total of 21 million bitcoins will be issued. Due to the limited supply and the growing demand for cryptocurrency, the price of bitcoin will only increase in the future.

True, the cryptocurrency market is very volatile: in a matter of days and even hours, the value of a crypto coin can either grow dramatically or completely collapse.

At the same time, the market is so unpredictable that even every minute monitoring will not save you from possible losses.

Advantages :

• Earnings online at any time from anywhere in the world;
• Very high yield - from 20 to 1000% per annum;
• The ability to earn a lot in a short time with minimal effort;
• Lack of any control over transactions and payments;
• No inflation;
• Security: cryptocurrency cannot be copied;
• Ability to conduct anonymous cash transactions;
• Constant expansion of the list of cryptocurrencies with promising coins.

Flaws :

• Unreliable, hype investments;
• high risk;
• Very high volatility;
• Low predictability of the market;
• Complete absence safeguards and regulatory mechanisms;
• The mining process is becoming more complicated every year, its profitability is falling;
• Fraud flourishes;
• Negative actions towards cryptocurrency by national regulators;
• Best time for investing in cryptocurrencies has already passed.

Essence: Alternative option start a business using a ready-made commercial model with a predetermined payback period and guaranteed profitability.

In the case of opening your own franchise business, you need to comply with certain rules on the part of the franchisor (seller) and work with him as a team.

That is, not only you choose, but also you. The franchisor provides its business partner with technology, operating principles, a business plan, marketing developments, supplier contacts and conditions for working with them. The franchisor also takes care of all the work of promotion and advertising and provides the businessman with all kinds of support.

In fact, the investor comes to everything “run in”: the conditions for development have already been created, the algorithm of work is clear and well-established. This allows you to avoid making erroneous actions that will lead to financial losses. On the other hand, this greatly limits the freedom of the investor, since he cannot make any changes.

Advantages :

• An excellent earning option for those who do not have entrepreneurial experience;
• Saving time, money and effort of the investor: all business schemes have already been worked out;
• Opportunity to earn on an already well-known brand;
• Fast payback period: from six months to a year;
• Brand awareness ensures that franchised goods and services already have their customers and their trust;
• Support and advice from the franchisor;
• Minimum level of competition: the specific number of projects in a certain area is clearly specified.

Flaws :

• Relatively large initial investment;
• Dependence on the franchisor, limited actions;
• A number of obligations that must be fulfilled: ensuring the proper level of service, reporting, etc.

Internet projects

Essence: the creation of various projects in the vastness of the worldwide web and earning income through advertising or earn money from their sale.

There are many directions for investing in online projects:

1. Websites: creating and filling with unique content → minimal investment, earnings on advertising, first income in 4-6 months, you need to understand the details of such a business;
2. Publics in social networks→ quick payback with small investments, earnings on the publication of advertising posts, it is important to choose the right topic, post quality content, since the competition is very high;
3. CPA affiliate/traffic arbitrage→ investments in advertising to attract traffic, high return on investment, it is important to have experience in effective promotion;
4. Online services: creation of various Internet resources (freelance exchanges, message boards) → the role of an intermediary and earnings on commissions, a decent income due to turnover;
5. Applications for IOS and Android: creation and sale to various companies → the opportunity to receive decent affiliate commissions, success or failure depends on the relevance and relevance of the idea.

Advantages :

• The ability to earn online from anywhere in the world at any time;
• Starting capital can be minimal or even zero;
• Highly profitable and relatively reliable way earnings on investments;
• Fast payback;
• A variety of areas for investment (websites, publics in social networks, CPA affiliate programs, etc.);
• Moderate risk.

Flaws :

• Unpredictability: there is no guarantee that the investment will pay off;
• It takes a lot of effort, including temporary ones, to create and promote an online resource;
• You need to understand the key nuances of the Internet business.

Essence: the purchase of valuable objects of various types of art with the prospect of increasing their value in the future.

The price of worthy exhibits is usually high, which is why art objects are often called the "currency of the rich." Not everyone can buy a Picasso painting. But it happens that canvases, for which literally a few hundred dollars were given when buying, in ten years will cost tens of thousands of dollars, and in fifty they will bring millions.

But the specifics of the market is such that in order to acquire really valuable things, you need to be an art historian yourself, or have an expert friend.

Understanding what items are really valuable is almost impossible without the appropriate knowledge and experience, not only in art, but also in investment matters. Of course, you can contact consultants, but this will entail additional costs.

You should not expect serious profits right away: investments in art are made with the expectation of a long-term perspective.

Advantages :

• Art objects are not subject to inflation and economic crises;
• High reliability of investments;
• Over time, art only grows in value;
• Possibility to get a relatively high profitability with minimal risks;

Flaws :

• Narrow and specialized market;
• Requires a large initial capital;
• The payback period is calculated in decades;
• You need to be a specialist in the field: have the appropriate education and experience;
• Payment for the services of a consultant for the professional examination of a particular object of art;
• Potential returns cannot be determined, only present value.

Essence: investing in antiques that have a certain monetary value. For the purpose of investment, you can purchase the following antiques: furniture, books, icons, porcelain, dishes, banknotes. The most important thing is that all these things are old, made more than 50 years ago. Some of them may have historical value and be protected by the state. Therefore, the cost of antiques directly depends on their fame and age. The earlier they were created, the better.

Advantages :

• Simple purchase procedure;
• The investor becomes the owner of a valuable antique item;
• Sufficiently reliable asset;
• The cost of genuine antiques is constantly growing: on average, by 25% per year;
• Investing in antiques will protect your capital during periods of crisis or other extreme situations.

Flaws :

• Requires large investments;
• Long-term investments;
• You need to be a specialist and have a good understanding of the subject;
• Advice from art experts incurs additional costs;
• It is advantageous to collect antiques in series, which may require a lot of time;
• Possibility of deception: under the guise of a unique product, they sell copies.

Essence: the purchase of valuable copies of postage marks - stamps.

At first glance, investing in postage stamps may seem like an absurd thing, completely devoid of logic. After all, the criteria for evaluating brands are very subjective. But philately is considered a stable and highly mobile way of investing money with a constant increase in the absolute value of purchased items.

Advantages :

• Availability and ease of purchase;
• Full openness of the market and information;
• Investments in brands are included in the rating of the most profitable;
• Stamps always go up in price because they are limited edition;
• More than 30 million collectors from all over the world are involved in the trade in postage stamps, and this is a sure sign of the high liquidity of the market;
• Neither political nor economic world events or natural disasters affect the price of stamps in any way.
• A combination of financial interest and the pleasure of collecting.

Flaws :

• The evaluation criteria are dominated by purely subjective opinions;
• Investments for the long term;
• It is quite problematic to sell stamps if necessary, especially if it is not a rare instance;
• Moderate risk.

Coins (numismatists)

Essence: an alternative to investing in gold, involving the purchase of old collectible banknotes - coins. Investments in coins are distinguished by the fact that you can get a very solid increase in the value of the purchased sample.

The numismatic value of many collectible coins exceeds the value of their alloy.

It is determined by such factors as the type of item, year of issue, place of minting, mintage size, condition of the coin, etc.

A feature of coin collecting is that, in addition to financial value, coins have historical interest and reflect significant moments of the country where they were issued.

Advantages :

• Unlike many investment methods, coins are tangible and directly owned by the investor;
• Mobility: coins can be transferred from one person to another with complete confidentiality and without the help of third parties;
• Compact in storage and transportation, unlike paintings or antiques;
• Relative stability of the coin market, unlike securities, cryptocurrencies and other investment assets;
• There is no need to constantly monitor stock reports: the cost of coins may not change for years.

Flaws :

• Extensive research is needed to understand the market for collectible banknotes;
• The subjectivity of the classification and valuation of coins may represent a certain risk for the investor;
• Long payback period: the first profit can be seen after a decade.

Despite warnings and a huge amount of information, investors who want to invest profitably and make a profit make a number of mistakes that lead to the opposite result.

Mistake #1. Invest at random

Agreeing with the arguments of relatives, acquaintances or simply reading the opinions of users on the Internet, investors choose the first options that come across, thereby minimizing the chances of a serious income.

Mistake #2. Invest in a hurry

Many are in a hurry to choose an investment tool in order to get the first profit as soon as possible. But many ways of investing involve income in years and even decades, that is, you really need to wait. Know how to wait and be able to wait. For those who are focused on quick profits, it is best to initially choose ways to invest with a short-term perspective.

Mistake #3. Invest on emotions

It is not uncommon when, inspired by someone's successful example, a person is in an excited emotional state and thinks “but I'm worse”.

He exactly repeats a successful investment scheme, without a clear calculation and an objective assessment of the prospects.

But instead of increasing capital, it receives losses. And it's not about deceit or fraudulent schemes. You just need to make decisions about investing money in a particular project / idea / thing in a calm emotional state, approaching the issue with a cold calculation: how much I will spend / how much I will earn / when I will get the first profit / what are the prospects.

Mistake #4. Invest where it's not worth it

The world is full of people making money through fraud. Now most of them operate on the Internet, offering users “super profitable” deals that will make them millionaires in the very near future.

The organizers of such projects come up with everything possible, if only people would give them their money.

In the desire for quick and easy money, users often turn a blind eye to the company's bad reputation and implausibly bright prospects. There is still a small chance that it will “burn out” and gold coins will fall from the sky. Many take risks, invest in dubious projects and, of course, end up with nothing. Money rain passes them without even a drop. Therefore, you need to clearly know where you should not invest money.

Knowingly losing ways of investing with a high risk of losing investments:

• Pyramids;
• HYIPs (HYIP);
• Casino.

pyramids

The most common way of investment fraud is pyramid schemes (hello, the 90s and the famous MMM of Sergei Mavrodi). A financial pyramid is a priori a loss-making organization that pays income to investors by raising funds from new ones. But in reality there is no project, product or service. Its creators simply take the money of gullible people, in other words, deceive them.

Pyramids are stamped in dozens, they all have the same structure and work according to the same scheme. And despite the warnings and the huge amount of information available on the Internet, people continue to carry their money into financial pyramids.

Thus, one of the largest and most extensive financial pyramids identified by the Bank of Russia in last years, the cashbury pyramid has become, in terms of the scope of fraud in no way inferior to the legendary MMM.

The organizers of financial pyramids create quite plausible stories, sometimes so well worked out that it is very difficult to detect fraud.

But there are a number of signs that will help you recognize a fraudulent scheme:

• Too high yield (30% and above);
• Aggressive advertising;
• Lack of real activity (does not produce or sell anything);
• The legal address of the company is outside the country (offshore)

HYIPs (HYIP)

In fact, HYIPs are the same financial pyramid that lives off the funds invested in it. As a rule, HYIPs offer very high interest rates (up to 5% per day) on deposits. At the same time, they can function for only a few days, after which they disappear without a trace (feed off). It is believed that such HYIPs are the most highly profitable, but the risk of losing the invested funds is colossal.

There are HYIPs that “live” for several months or even several years: the profitability on them is several times / tens of times lower, the risk is not so high.

Unpredictability of the outcome sports games(bad weather, game situations, sudden injury of the best player), as well as match-fixing, when one team loses to another by agreement, further increase the risk of losing investments. As well as a high probability of getting into unscrupulous offices and bookmakers.

Regular monitoring of sports news, research of forecasts and castling in teams can increase the chances of success, but require a lot of time. Therefore, it is worth engaging in this type of investment only if this niche is really close and interesting to you.

Casino

The gambling industry is now flourishing, bringing huge money to the creators of online casinos and slot machines. It doesn’t matter if you are a schoolboy, student, adult teacher, doctor or retired. If you have a computer and the Internet, you can start gambling at any time. You just need to enter a certain query in the search engine, select a casino and start playing. And, of course, to win money. But if only it were that simple.

The most difficult thing in gambling is to stop in time. As a rule, beginners are always allowed to win. First time, second time - “wow, I'm lucky!” But this is done in order to addict you to the game, so that in the event of another loss, you console yourself with the fact that the next bet will certainly be successful. It is especially difficult for people with gambling addiction, and theoretically 95% have it. Therefore, our advice is better not even start. Casinos, slot machines, slots are a big risk and small chances to earn.

In the end, where do you put the money?

If now your financial situation is stable, you have worked hard in your time, created a reliable financial cushion and have free cash, and also read our article, then you are ready to become an investor. When looking for investment options, remember that you need to invest in understandable instruments with transparent returns and moderate risks. And in order to correctly assess the potential profit and possible losses, you need to have certain knowledge.

That is why the richest people on the planet advise start by investing in yourself- in their knowledge and competence.

Feeling like a confident investor, you will easily make decisions about where to invest or not to invest. It is important to learn to feel the market, its strengths and weak spots, objectively evaluate your capabilities and experience - and then your investment will be successful.

But what if there is no free money?

Just start saving 10% of any of your income. This is a very good habit that will not affect your standard of living in any way, but will teach you to take money more seriously. As a result, you will form a financial reserve, free cash, which, if properly invested, will bring profit. A start.

As your income grows, the amount of free money that you will invest in other promising projects will increase.

The system is fine. You get a stable income, work only for pleasure and feel happy and independent. It seems to be what we are all striving for.

Where to invest money in order to count on a stable profit and not worry that the invested funds may be lost? Today I will talk about the main ways of investing and describe their main advantages. In addition, I will also point out which method is suitable for ruble, and which for dollar or cryptocurrency capital.

How to form an investment strategy, taking into account different methods and amounts, and how to protect yourself from possible losses? If a couple of years ago, a binary option was considered one of the most effective tools, before that mutual funds and deposits, then over time, Internet projects and cryptocurrency entered the arena.

The Best Ways to Invest Money for Newbies

Beginners daily ask themselves the question: where to invest so that money at interest brings profit and does not quickly depreciate over time. If 10 years ago the most popular options were stocks and bank deposits, today there are a lot of ways. They differ:

• rate of return;
• term of work;
• level of risk;
• investment form.

A typical threat for beginners is not being able to correctly calculate all the amounts for investments, and losing all capital.

If initially investments act as additional income, then over time they can turn into the main income, but not in the office, but at home. To make this a reality, you need a competent investment strategy. I also recommend using only profit for investments and reinvestment, and save the capital itself.

An important question remains: where to look for investment instruments, how often to invest, and how to minimize risks. Many methods are collected on the tutdenegki portal. When choosing online investments or cryptocurrency, look for recommendations on my GQ Blog Monitor, and besides that, I can advise you personally.

Invest money in real business

When the amount on hand is not too significant, and the interest on the deposit does not satisfy, you can find a commercial offer and financially support someone's business. In one of his articles, how to properly manage cash flow, I said that different sources of income are correct and rational. When choosing a business for investment, you can immediately bet on several options: from a bakery to producing show business stars. To avoid risks, I recommend:

1. always conclude a partnership agreement indicating the amount (percentage of investments);
2. specify the terms of payment of dividends;
3. clarify the points of risk allocation.

You can find offers among friends, online, or on special crowdfunding sites. In my article, I have already explained what is direct investment, and, as a rule, the money raised works to develop and modernize the business. You can also choose to invest in a startup by finding a project at the very start and evaluating its idea, a possible development market, and an audience.

Investing in bank deposits

This is a way that allows you to invest and not follow the situation on the market. Due to official work, availability of licenses, and solid reputation, banks rarely embezzle customer funds. Deposits are accepted in rubles and dollars, less often in euros for a period of 1 month to 2 years at different interest rates with the principle of accumulation at the end of the term or with monthly withdrawals. For some packages, the possibility of early termination with commissions is provided.

The principle of the deposit is simple: the longer the period of work, the higher the percentage offered to the client.

If you have 100,000 rubles, then this is a good opportunity not to keep funds at home and receive income from them while you are working on increasing your entire capital.

Investments in mutual funds

The activity is strictly regulated by official documents, and has been on the service market for more than 20 years. The main advantage of the work is that the funds have a stable and reliable reputation. The basic disadvantages of the job are the low percentage. A significant advantage in the activities of mutual funds is a small amount of money for a starting investment (from 1 to 3, and up to a maximum of 5 thousand rubles), and for those who are looking for where to invest with little risk, this is a good option. The average annual yield is 8-10%. There are backgrounds that work not only with currencies, but also with precious metals and foreign assets.

To minimize risks and deep peer review before investing, I recommend studying the ratings of independent agencies for a certain period or the entire period of the fund's activity. One of the authoritative sources is the banki.ru resource.

Currency deposits

When there is capital in foreign currency, there is not only a desire to receive a monthly income, but also a logical question: where to invest money so that they do not depreciate, remain and make a profit. State and commercial banks offer foreign currency deposits, but the main argument against this method is too low interest.

The main advantages of the deposit:

• security of funds;
• no temptation to spend money;
• partial protection against inflation.

It is difficult to call such income the main one, but it can be considered as an additional one, especially taking into account the different starting amounts for investments.

Gold, silver, precious metals and coins

The liquidity of banking metals does not fall over the years. Many banking organizations offer to buy an ingot of metal of different samples and weights in branches or through Internet banking, and put it in a deposit box. Working with gold requires a fairly solid capital, but the price of Au does not fall long time. On the one hand, it is a good way to keep money, on the other hand, it is a temporary “freeze”, because there are no jumps in the course. By investing the same amount in cashbury, you could get more profit, and I hope that payments will still be restored from November 1st.

Securities: stocks, bonds

Studying the advice of experts who recommend effective ways, where to invest money, determine methods to receive passive income in the current and in 2020, it is worth choosing stocks and bonds. You can start with a small price, then move on to the blue chips. It is convenient that many brokers, through which transactions take place, offer a history of changes in quotes, make recommendations: to buy or sell securities. Liquidity indicators for bonds of the state or companies will help to calculate future profits in advance.

I remind you that you won’t be able to buy shares on your own, for this you need to use the services of brokers, and you choose the degree of trust management at your own discretion.

Profitable investment on the Internet with minimal investment

The investment market offers different projects in terms of profitability and risk level. Some sites are open for investments from $10. When choosing projects with minimal investment, it is worth monitoring their work and your invested money. In one of my materials, I clarified what a scam is and no one is immune from it. For beginners, I recommend not to risk large sums, gradually increasing them and becoming more familiar with the principle of the platforms.

It is convenient that you can invest in rubles, dollars, cryptocurrency, and withdraw money through those payment systems that were used to replenish the deposit. Carefully study the conditions for accruing profits, the minimum thresholds for withdrawing profits and the method. When adding projects to my site, I try to give as much as possible important information to make an informed decision for each investor. Having understood the basic principles of investment, you can choose Internet work as your main job, saving yourself from a boring and monotonous office. I propose to compare the average yield from different methods and working currencies.

Average return on popular investment instruments:

#	Instrument name	Average return	Working currencies
1	Internet projects	27-32% per month	Fiat (dollar, ruble, cryptocurrency)
2	Cryptocurrency	Depends on the type of work (exchange, projects, ISO) - up to 15% per month	Buying with fiat (mostly USD)
3		Up to 10-12% per month, payback 2-3 years	Rubles, dollars, euros
4	Bank deposits	7.6-8% (per year) 3-3.2%(per year) 2.7-2.9% (per year) No more than 0.1% per year	Rubles dollars Euro Metal
5	Investments in mutual funds	Up to 8% per month, although there are more risky options up to 20-25%	Rubles

Internet projects

Choosing this method, as a rule, no contracts are concluded if they invested in a business. Clients are attracted not so much by anonymity as by a high percentage that cannot be obtained from a bank deposit or from the work of a mutual fund. Projects have different legends and offer different investment conditions:

• by currencies;
• according to tariff plans;
• by profitability.

I strongly recommend that you objectively assess all risks and not always give preference to a project with a higher profitability. I often say in my materials that online investment makes money if you remember about diversification.

Investments in cryptocurrency

The advantages of the method - you can invest small amounts in cryptocurrency, and choose not only bitcoin or top altcoins, but also other coins. There are several ways to invest in order to make a profit:

• purchase of coins and further sale on exchanges;
• use of exchange sites;
• buying coins, and then investing them in Internet projects.

There is a way to get money without investment - work with cranes and perform small tasks. This income does not require huge efforts, but it ties you to sites in time, and what works without investments is a significant advantage. You won’t get a lot of capital, but you can still try to collect at least half of some coin from different sites. Many sites do not require registration and verification, but before you start working, you need to create a crypto wallet to transfer payments. If you are used to investing in new projects and counting on long-term profit, ico is suitable, because you can get different coins from different projects, and then withdraw them for trading and earn on the exchange rate difference.

From April to June inclusive, 827 ICOs were held, during which $8,359,976,282 were raised. For comparison, for the entire 2017, the total amount was $6.2 billion.

Such investment activity can bring significant profit, especially to those who have chosen the project and invested in it at the very start. At the same time, I want to clarify that 55% of all ISOs ended in failure, which is also worth remembering and taking into account.

I'll start with the risks, because although there are many of them, the desire to make a profit takes over. For those who want to invest money, and not just make a profit, but use capital at a high percentage, I recommend:

• carefully approach the choice of the amount;
• use several tools at once to increase the level of diversification;
• do not invest borrowed funds;
• do not invest the latest savings.

Initially investing in such instruments, imagine that you have lost this money. With proper calculation and a positive set of circumstances, you can get good earnings and even stimulate your nerves. These rules are like if you choose a financial pyramid, which I already wrote about, but you can make a profit with it. Among the main recommendations, I would single out monitoring the state of the market, as well as the ability to listen to your inner voice, prompting you to invest in stocks or choose HYIP projects. Money loves an account, so calculate in advance when the breakeven comes and how much you can earn in a certain period. For investments, you can choose domestic companies with registration in other states or invest in MFIs - with experience in different countries.

I note that many do not want to invest, because they think that small amounts do not bring income. This is not true. Of course, interest is charged on the starting capital, but even 1000 rubles can bring profit, and sometimes even after a couple of days. If you have the time, opportunities, and most importantly the desire to learn how to invest, then you can act as your personal consultant and investor in one person, but if this is not the case, you should choose trust management of finances, with the features of which I closely acquainted readers in my material.

Summing up, I will clarify that due to the fact that the market for investment offers is constantly evolving, there is no difficulty in choosing an instrument to invest different amounts in different currencies, and so that they not only work, but consistently generate income. It is very important to choose investment portfolio management strategies according to the share of risk at the initial stage, as I have already written about, and besides that, over time, hone it for market changes.

Traditionally, I wish all the tools to be valid and interesting, and for maximum security, use independent reviews and monitors, such as investment world and other sites. More opinions, less risk.

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

Warren Buffett

No matter how they say it, but investments are part of any reasonable person. In contrast to the primitive work on the system “ worked - ate“, investing money can also generate income during the holidays, even if it lasts for decades.

Trite, but true.

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

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

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

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

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

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

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

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

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

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

Investing money in the stock market

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

Investing in stocks is the classic way investment of funds. The average yield here can be from 10 to 20% per year, but it can be much higher.

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

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

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

How to invest in shares?

Everything is very simple, shares are traded on stock exchanges, and they are sold through special intermediaries - brokers. You do not need to travel somewhere, stand in lines, run around with documents... You can buy shares without getting out of bed. Register, replenish the deposit and buy shares.

• It should be noted that not always best idea will be well-known and already successful companies.

After all, it's not just about the name, but also about the profit. For example, capitalization Google about 500 billion dollars. Imagine What do companies need to do to double their growth?

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

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

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

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

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

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

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

Watch a video about investing in stocks from Robert Kiyosaki:

Investment benefits. Investing in stocks has been around for over 150 years. Every third American and every second Japanese owns shares in a company. And as you know, the pensioners of these countries are quite satisfied with their lives. Dividends and profits from owning shares can be received throughout life. Buying and selling does not take more than 10 minutes. You can start already from 200 dollars.

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

Real estate

Real estate - the traditional way where can you invest money. It is difficult to say something new on this topic. We have included real estate in the list where you can invest for obvious reasons. Real estate is a valuable asset for any person. Real estate can be rented out, whether it is an apartment, an office, a garage or a shopping center. Real estate, albeit not immediately, but rises in price, especially if it is purchased in a new area, where in 10 years there will be a fully populated and active center.

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

Advantages of investment. Safe investment with minimal risk. With a skillful approach, you can extract a monthly profit before the final sale.

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

Startups

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

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

How to invest in a startup?

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

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

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

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

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

Startup benefits. If there is income, then it will be high. You can invest both at the source and later on the company's IPO.

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

Binary Options

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

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

Thus, you can earn not only on the growth but also on the fall of the price, using the DOWN option condition.

Among the assets of binary options, the most liquid stocks and stock indices, commodities and currencies. And this is very convenient, because according to these assets, news is released daily, which allow you to earn.

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

The interesting thing is that you can invest in binary options for a period of time. from a minute to a month, while the amount of profit remains unchanged - within 70-80%, depending on the asset. Instead of a lot of words, we will show you how it works on the example of a broker:

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

Specify the term of the transaction, that is, the time of its completion:

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

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

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

Our growth condition was fulfilled and we got 70% profit!

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

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

PAMM accounts

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

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

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

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

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

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

Benefits of investing. This type of investment has already proven itself with time and profitability. Amounts for investment are affordable for the majority of the population. You can withdraw money instantly at any time.

Minuses. There are practically no downsides to portfolio investment. It can be called a minus that some investors invest in non-professional managers with unstable trading.

Bank deposits

A bank deposit should be considered not so much an investment as a way to store money, allowing you to more or less protect them from inflation. Profit up to 10% per annum can hardly be called serious. Nevertheless, this option is still very popular among the population, even though the country's banking system is going through hard times today.

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

“How many millionaires do you know who got rich by investing in bank deposits? That's the same."

Robert J. Allen

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

Why is this being done?

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

Benefits of deposits Reliable and virtually risk-free.

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

ETFs

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

In fact, ETFs are the same mutual funds - you get a share in the portfolio (in an ETF it is a share, in a mutual fund it is shares), but there are a number of differences.

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

In short, ETFs have created a sensation in the stock market, being full-fledged portfolios.

An important advantage of exchange-traded funds is the ability to trade throughout the day. During this time, the price of ETF shares may change, while the size of a mutual fund share is calculated only once per session. Units cannot be purchased with borrowed or borrowed funds. For ETF shares, this is acceptable. Additional commissions may be charged when trading units of mutual funds. Work with shares of exchange-traded investment funds is exempted from such "extortions".

Where to find ETF shares? In the same place where all the shares are - on the stock exchange. Actually, the process of buying Google shares from ETF shares is no different. We described this process a little higher, where there is also a list of the best brokers.

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

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

Art

If there is a desire not only to earn money, but also to get aesthetic pleasure from the process, we recommend that you think about purchasing art objects. Suffice it to say that the main buyers of such things are not passionate collectors and wealthy connoisseurs, namely players financial market . You don't have to be an expert at all. You can always use the services of competent consultants.

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

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

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

According to the statistics of gallery catalogs, even three-year-old paintings are already becoming more expensive by an average of 40-60%, as you understand, there are paintings among them with a growth of 1000%. As the auction houses explain, the increase in the cost of paintings is directly related to the activity of the artist. If he regularly exhibits at exhibitions, receives new awards, then with each such step his paintings can rise in price. by 100%.

Investment benefits. Very rich and developed personalities are engaged in investments in art. In addition, they can bring large percentages, especially if the artist is gaining popularity or even died.

Minuses. A long-term investment that requires the advice of an art expert. It is advantageous to collect collections of paintings by one or more artists, which can be costly.

Investment in trading

Trading is an investment in yourself.

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

Many people say that investing in yourself is profitable. How? Specifically in numbers? Invest in education and get a job? It's a life, not an investment.

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

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

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

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

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

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

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

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

Individual investment account

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

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

• To open here, it is enough to deposit everything 5 000 rubles.
• The maximum amount to be deducted is 400 000 rubles.

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

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

Good day dear readers and guests of the blog. How do you start investing and make your money work for you? Read the article to find out! Or keep going to work and trading your time for money.

Now that I've got your attention, let's get started.

Let's start from the very beginning, let's define the concept of investing.

Investment- this is an investment of some resource in order to obtain a return on invested capital.

Investing is a broader concept than many realize. And for each person it means different meanings.

In this article, we will discuss how to start investing money.

After all money is a measure of sufficiency in modern world . Almost all people's dreams are related to money, you want to travel, buy a car, open your own business - all this requires money, you can't go anywhere without it.

And where to get this money? Earn! But you can't work 24 hours to make money, and your money can work for you 24 hours. You have days off, but your money doesn't. You can get sick, but money can't! They are constantly working for you, they are a better worker than you.

Therefore, anyone who wants to achieve more in life needs to learn the basic laws of money, learn the basics of the financial world and start investing and the first step is to start saving money.

Start filling your wallet

Well, now you understand that you need to invest and you have made the decision to start investing money. What's next? How to start investing for a beginner?

You need to optimize your income and expenses and start filling your wallet. But how to do it? Start budgeting and understand whether you earn more than you spend or not. If you spend less, then you have a greater chance of success. Start filling your wallet by saving at least 10% of each income received (salary, bonus, donated money, etc.) to create your capital and start investing.

Putting aside 10% a month is not a problem, believe me. But you have to do it regularly! The main thing is not to stop and develop the habit of doing it constantly. The salary came - they postponed it, the bonus came - they postponed it, they received a cash gift - they postponed it again.

With the help of such a not tricky action, you will begin to have money to invest. Where to postpone? It's up to you, but it's recommended to go somewhere you can't get to. For example, on a bank deposit.

And if you realize that you are spending more, and also the loan is hanging. What then? Don't invest? No, we are going to get our finances in order.

Get your finances in order

To begin with, let's figure out what we spend money on, for this we need to write down all our expenses and in a couple of weeks analyze what the money is spent on.

After we analyze, we will decide what we can get rid of. In almost 90-99% of cases, we have expenses that we can refuse to replenish our wallet.

We refuse them and go back a step and replenish our wallet.

If you have a loan, then before filling your wallet it is recommended to get rid of it. Try to pay not only the interest that goes on the loan, but also make more money in order to get it over with quickly.

Now we look at the problem from the other side. You do not have loans, you do not have expenses that you can cut, what to do in this case?

Option one is to start increasing your income. How to do it? I have described this most fully in my free book.

Increase your income and start saving money.

Learning to invest

Do you have money and are you ready to start investing, looking for tools and investing? No, these are not correct thoughts. It was the same thoughts that visited me at one time and, without understanding the intricacies, I began to headlong invest money in various instruments.

You need to learn how to invest, understand the basic concepts, against some investment school.

You must understand all the intricacies of investment science. Because investing is not just about investing money, it is about managing all aspects of your financial life. This is your thinking and your actions, and your actions.

Therefore, the first thing you do is invest some of the accumulated money in your education.

I have been trained by several people who teach different ways and methods of investing. Some teach investing in risky financial instruments, others in less risky ones. Someone provides the basis for everything, helping to keep the family budget and tell why and where to invest.

I was trained by Kirill Kirillov and Dmitry Oberderfer, it was a live training.

Choosing an investment instrument

Well, if you are ready to learn on your own, study everything and take all the risks from ignorance, then you can read to study various financial instruments on my blog.

For beginners, I advise you to invest in PAMM accounts. What is it possible.

But in general, there are a lot of financial instruments, and they are designed for people with different incomes, different financial education and ready to take on different financial risks.

1. Bank deposits
2. Stock market (independent trading)
3. Forex market (self-trading)
4. Trust management in financial markets
5. PAMM accounts (forex money management)
6. Mutual funds (managing your money in the stock market)
7. Real estate investment
8. Direct investment in enterprises
9. Microcredit
10. HYIPs and other financial pyramids (some do not recommend contacting them)

There are others, but let's focus on these.

As you can see, there are a lot of financial investment instruments, but first I recommend that you familiarize yourself with one of the list, study it and start practicing investing.

Practicing

Well, here we come to the most important thing, when you have in your head a complete picture of what a beginner needs to invest, you are ready to start practicing.

Nothing will come of it without practice. You must feel all the nuances, you must learn not only to earn, but also to lose money. You just have to be ready for it.

Investing is a risk! And this must be taken for granted. But risks can be managed, and the job of a good investor is to understand how to manage risk. And this requires constant practice, as in any business.

Investing is not an occasional investment of money, it is a constant and work. And you should treat it like a job. Then you will get more.

Take me as an example, when I was actively involved in investing, I got good results, then I played too much and broke the basic rules of the investor and lost most of my investment portfolio, and took a break for more than a year. But I didn’t just leave, I started investing almost all the money in my education and the development of my blog.

At the moment I am studying financial instruments in which you can invest money, I am studying various financial concepts. Learn how to properly manage your money. And I believe that investing money and time for further profit is the path to financial independence and financial freedom.

And especially for this article, I recorded a short video, watch, comment and ask questions.