If you are looking for a way to invest your savings and the main criterion is reliability, then you should pay attention to bank deposits. But there is no absolute guarantee here. Therefore, it is better to choose prestigious and respected banks, despite the fact that their interest rates are sometimes lower than those of small commercial ones.
There are several investment options Money V banking company- registration of compulsory medical insurance, savings certificate, investing money in investment companies, mutual funds, etc. But the simplest and most reliable way of investing was and remains a regular deposit.
How to choose a bank to open a deposit?
To make the most profitable deposit, you need to take into account several parameters.
- The first parameter is reliability. There is no point in investing in dubious banks, even if the interest rates there are several times higher than others. When choosing reputable banks, clients receive a guarantee of the return of their funds with interest. The largest banks in the country are now Sberbank, Rosselkhozbank, AlfaBank, VTB 24 and others. They have large client bases and offices in major cities
- The second parameter is the percentage value. Large banks usually offer very small interest rates, while lesser-known and newly established banks try to offer as much profit as possible to customers. Also, the amount of interest is influenced by the parameters of deposits, their duration, as well as special conditions contracts
- The third parameter is controllability. There are deposits without replenishment and partial withdrawal, the entire amount with interest is issued only at the end of the contract. There are options with withdrawal and replenishment that allow you to manage your funds. There are also options with capitalization, read about it on this page
- Also, be sure to ask the employee - will your savings be insured, and does the company cooperate with the DIA? We talk in detail about insurance of deposits up to 1.4 million rubles on this page.
To choose the right place to open a deposit, you must first make a list of the banks that you trust most and which you find most convenient. Then you need to visit their official websites and see their offers.
Usually, the websites list all the detailed conditions of the programs, tariffs and interest. Need to pay Special attention to text in small font, because this method is used not only in business documents, but also on the Internet.
Most reliable banks to open a deposit according to the Central Bank rating
If you choose to save your savings large state organizations, then in this case you will receive small interest rates. This is explained by the fact that these companies have huge multi-million dollar customer bases, and they do not need to additionally attract investors with promises of high returns.
Why do people come here? Because the branches of these banks are the most common in the country, they can be found in almost every locality, the conditions are transparent, and although the rates are not high, you will not need to fear for your savings.
What is offered in the most popular institutions:
- For example, in Sberbank of Russia the highest income that they can offer you is 6% per annum, we talk about its offers.
- In a bank, the highest profit rate will be up to 7.8%.
- Rosselkhozbank has a promotional offer with a yield of up to 7.65%; you can read more in this article.
- There are several investment complex products for which you can get an income of up to 8%.
Why is it better to choose state banks? In their capital, most of the shares belong to the state, which means that such companies will be provided with all possible support, and there is very little chance that they will go bankrupt and you will lose your savings. The full list can be found in this article.
TOP 10 most reliable banks in Russia for 2019:
| Number | Name of the bank | Assets |
| 1 | 23923567371 | |
| 2 | 12072943598 | |
| 3 | 6073790112 | |
| 4 | 3158641358 | |
| 5 | 3007397735 | |
| 6 | 2646159899 | |
| 7 | 2321983153 | |
| 8 | 1984123615 | |
| 9 | 1216956605 | |
| 10 | 1216661311 |
Which banks have the most high interest rates by deposits?
Of course, the interest rate is exactly what investors pay attention to first. And this is not surprising, because the higher the %, the greater your final profit will be.
In this case, you need to pay attention to all the details of the contract. Very often advertising tools only talk about maximum bet, which can be obtained, but there is also a minimum. And the final value will depend on many factors:
- what program did you choose,
- Do you want to replenish your account/withdraw money from it,
- what time period did you choose?
- how often do you want to receive income - monthly or at the end of the term,
- are you a privileged client in this bank, do you receive a salary here, a pension, etc.
We have studied the market of offers and compiled a list of the most attractive offers from Moscow banks: there is a “VIP Deposit” product with a large amount to open - from 1,500,000 rubles for a period of 31 to 1097 days. You will have access to a yield of up to 8.45% per annum, payments occur at the end of the term. You can partially withdraw funds;
Want to get even more income? Then consider the option of opening an investment deposit, where the placement of funds on deposit takes place simultaneously with an investment in an ILI or NSG. At the same time, you will have access to increased rate, for example, offer up to 9.2% per year.
To calculate your profit, you can use an online calculator
We have to think more and more often about where to invest money to make it work. And this is not surprising: investing is easy, but it is much more difficult to return the money later. If not to increase it, then at least to preserve savings from currency fluctuations and inflation is the main task of people. A successful investment provides the opportunity to receive a monthly stable income.
5 basic rules for a novice investor
Before presenting you with specific investment options, let's look at the basic rules that should be followed in this type of activity.
Rule #1. Don't keep your eggs in one basket or diversify.
Diversification of investments is the distribution of investments across different investment instruments in order to reduce the risk of loss of invested funds.
Those. no need to invest all your money in 1 company. After all, there are always risks and something can go wrong. Distribute your funds across various instruments. This way it will be impossible to lose all your money in one moment.
Rule #2. Use only YOUR “working capital”.
Working capital– this is the money that you set aside from your main income, specifically for investment.
Those. You should only work with personal funds, do not borrow money for investment. If you don’t have working capital, but still want to invest, start putting aside a portion of your funds every month in the bank or under your pillow (for example, 10-30% of your income). Over time, you will accumulate a significant amount.
If you lose your investment, this should not affect you and your family in any way in terms of health and standard of living (although it will affect your mood in any case), so we do not invest our last penny.
Rule #3. Return your deposits and reinvest.
The money that your working capital brought in should be invested in other assets. After all, by increasing them, your passive income will constantly grow.
Rule #4. Don't look for 100% reliability.
You take risks every day, risk is part of our life. When leaving the house there is a chance that you will be hit by a car, so now don’t leave the house? What will you do with a plane that might fall on your house?
This does not mean that you need to take reckless risks always and everywhere. This means you must manage risk using Rules #1 and #2.
Rule #5. It's worth spending less than you make in profit.
Those. you should live according to your possibilities, or earn according to your needs, whichever is more convenient for you. Forget about loans credit systems are aimed only at ruining a person and defrauding him of money.
Where to invest money so that it works and makes a profit - 14 investment options
We've read the rules, now it's time to move on to real instruments investing. Next, we will consider what options are available for investing working capital. Let's begin.
Option number 1. Bank deposits
The best way to save savings from inflation without much difficulty is bank deposits. You don’t need to do anything, and the amount grows. Keeping money in a bank safe deposit box is much more profitable and safer than “under-the-mattress investments” at home. It is important to familiarize yourself with the deposit programs offered before making a deposit. The minimum amount in some banks does not exceed one thousand rubles. This means that even small savings will be saved and will provide a small, but income.
And here it is important to remember about inflation. If prices rise above eight percent, savings kept in the bank will not be devalued. In reliable and profitable offers the following are possible:
- early or full withdrawal of funds;
- presence of a branch of the selected bank in the area of residence;
- the amount of investment in one financial institution is no more than seven hundred thousand rubles, that is, the amount of deposit insurance.
Losses from depreciation of exchange rates are compensated by multicurrency deposit. When one currency falls, the quotes of another rise. So the risk of loss is reduced. But extremes are not necessary: why invest all your funds only in the purchase of currency, even in different denominations? The ruble will begin to grow in any case, and the risk of losing invested funds will increase.
Be sure to carefully read all the terms of the agreement before making a deposit. This is necessary to know how great the risk is and what guarantees the organization provides in case of interruption of work. Only with this approach can high profits be ensured and the risk of losses reduced.
Rich and successful investors make investments according to their own criteria. But they have a whole staff of consultants, and they understand the nuances of the market much better than newcomers. Therefore, it is pointless to completely copy their actions. You won't be able to achieve exactly the same results.
Option number 2. Currency
Since the days of the “harsh nineties”, the habit of storing savings at home in foreign currency. Usually rubles were converted into dollars. Now currency is becoming a good option again. It’s just not safe to choose dollars; it’s better to use the euro or the Chinese yuan. The situation in the United States will have to be constantly monitored.
But leaving money in rubles is also dangerous: a floating exchange rate and sharp fluctuations on oil market does not benefit the national currency. And again: experts do not advise storing “all your eggs in one basket.” Therefore, the best option is multi-currency savings.
Option number 3. Forex invest
Securities quotes and dynamics exchange rates- the opportunity to make good money. Profits can be high, but such investment, judging by the reviews, is not recommended for beginners. A more reliable tool is PAMM accounts. But here there are no clear opinions.
Pros and cons of Forex
Trading on Forex requires a considerable initial investment, and with a complete lack of experience and basic skills, it is better to forget about profits. Constant income is your own strategy and complete compliance with its rules in any circumstances. Then the crisis will not be an obstacle to income growth.
But learning to develop your own strategy will take several months and even, possibly, at least a year. PAMM accounts are managed by traders with extensive experience. They have already completed the training, and the results are impressive. They will work with entrusted funds, and the profit received is divided in half. An interesting option: capital is guaranteed to increase.
Forex – earnings on the difference in exchange rates. To obtain a stable income, knowledge of the market is necessary. And using electronic advisor programs is not an option. They helped some to remain a winner, while others were robbed of all their investments. So to receive passive income you will have to undergo training. And the best way out for a beginner is PAMM accounts
What is good about a PAMM account?
PAMM account – trust capital management. The investor invests funds by trusting the trader investment company make transactions with them. Just ten dollars of initial capital - and one hundred percent profit with almost no time and effort - is tempting. But here it is important not to end up in a pyramid instead of an honest company. Therefore, it is important to look at registration, availability of certificates and licenses, and checking reviews on blogs and forums is mandatory. If the company's profitability exceeds ten percent per month, then this is alarming.
The capital will be managed by a manager, a trader chosen by the investor. And wasting time and collecting information about the manager and analyzing his portfolio is not at all in vain. You should not invest in PAMM accounts that are less than six months old. And the number of such accounts should not be more than two dozen.
It is impossible to predict the success of an investment, so even with the right choice, a PAMM account remains risky. That's why you can't invest in it borrowed capital and contribute to only one company. The higher the interest, the greater the risk.
True, it is impossible to predict the time of liquidation of a company. But they are alarming:
- payment delays;
- a sharp increase in interest on deposits;
- increasing the number of ways to replenish your account;
- change of company status and website design.
In this case, it is important not to take risks, but to divide the funds into several parts and make several investments in different directions: real estate, antiques, bank deposits, shares, precious metals. The risk is different; if one investment is unprofitable, other investments will be profitable.
Option number 4. Binary options
Binary option is a financial instrument with a fixed cost and a predetermined amount of potential profit.
When you buy an option, you make a prediction in which direction the price of its asset will go (up or down). If the forecast is correct, you make a profit, usually 70-85% of the value of your bet, otherwise you lose the amount of the bet (some brokers return 15% if the transaction is unsuccessful). Those. with a bet of $20, your profit will be equal to $14-17, or you will lose $20.
So how can you make money here?
The question arises: how can you earn money, much less invest money, if the chance of “guessing it right” is 50%? This is possible, but only with proper preparation. As Vladimir Ilyich Lenin said: “Study, study and study again” . Without it binary options really very similar to roulette.
Option number 5. Precious metals
Investments in precious metals, silver and gold remain quite reliable. Their prices are rising, and therefore the investment is promising. Despite external influence, palladium retains its position.
But a significant disadvantage is that investments in precious metals are long-term. Therefore, the investment is pointless for less than a couple of years. But to invest in such long term Without firm confidence in winning, not everyone agrees.
To invest in physical metals, you can open a metal impersonal account or compulsory medical insurance. This is an analogue of the usual account, but without commissions, Palladium, gold, platinum and silver are counted in grams. Prices are set every day, meaning the amount of funds in the account changes constantly. Such investments are suitable for analysts who want not only to preserve capital, but also to increase it.
Option number 6. Real estate
Where to invest money to receive monthly income? Real estate is in demand at any time. So the method of investing in it remains in demand always. Real estate prices are now declining as the demand for housing among the population is still decreasing. But interest rates are rising. Lending on such terms is unprofitable, and owners are forced to lower prices in order to attract buyers.
But here's the cost of one square meter is so high that neither government subsidies nor special programs to support the construction of economic housing can lower it. It turns out that even if we manage to start reducing prices, this will not happen soon.
Of course, we are talking only about investing personal funds, not mortgages or borrowed funds. Interest payments will completely destroy any hope of income. In this case, the purchase of real estate or land plot- a win-win. And in the future, it turns out to purchase additional housing and receive income from rental.
And this is understandable. During the crisis, people move from small towns to big cities, and they have to live in rented apartments. Rent is needed at an affordable price, and the appearance of such an offer could not be more timely: it is very beneficial for everyone. So both visitors receive housing and the landlord receives income. It turns out that when real estate prices fall, rental prices rise.
A plot of land can always be sold at a profit. In addition, the land brings profit to farmers. So using it for its intended purpose, that is, organizing farm- also income. Growing agricultural products is both work for yourself and your loved ones, and the benefit from receiving fresh products, and income from selling their surplus.
Purchase at bankruptcy auction
Since even major players If you are looking to buy real estate cheaper, it makes sense to take a closer look at the properties offered at bankruptcy auctions. Their price is several times lower than under normal conditions.
Option number 7. Stocks and bonds
Such an investment is risky even in good times. And in conditions of instability, only professionals can accurately predict which companies will remain, and even then this is not a complete guarantee.
To make a profit on shares, the amount of money invested in the purchase of a share package is important. The stock market is unpredictable, as is investor behavior, and neither experts nor professionals can predict the size of profits. The beginning of bankruptcy is a violation of the terms of trade.
To make money on stocks, you need to understand and know how the chosen company makes a profit. According to experts, accurate forecasting of stock price increases is important. If after purchase the cost has increased sharply, you must definitely sell them. Then a good profit is guaranteed, as is a positive reputation for the businessman.
If the stock price falls, then you can make money on the fall. It is necessary to act according to the strategy of “short” sales. Shares are rented from a broker. A few days later they are bought back and given back to the broker. Income is the size of the difference between the sale price and purchase price of a block of shares.
Collected from shares investment portfolio requires constant monitoring of news, monitoring the situation on stock exchanges and timely transfer of funds, that is, activity.
What can you wisely invest money in? To generate income in the stock market, you do not need to have a significant reserve of funds. The initial investment size ranges from ten to thirteen thousand. It’s also nice that the transactions are carried out by a specialist with a power of attorney issued to him. However, this does not mean that the principal is completely removed from business: it is mandatory to monitor the situation in the country and the world and review analytical calculations.
If you are planning a short-term investment, then when choosing a direction you will have to take into account the entire situation. Purchasing shares of leading companies in the country provides an opportunity for quick payback on shares of metal processing organizations and producers of mineral fertilizers. The shares will grow, and this trend will definitely be realized in the future.
Option number 8. Mutual Funds: Mutual Investment Funds
It is also difficult for mutual funds to organize investments effectively. For the most part, they lose more than they gain. But you won’t have to delve into the direction of movement of funds. This method is a joint contribution of shareholders. One person or a management company only manages them.
Mutual investment fund. Several investors trust professionals to manage their money. Managers invest in what they believe are the most profitable areas. It turns out that investors get the same opportunities as large banks, Insurance companies and pension funds.
Money is invested in different directions. As the mutual fund's profit increases, the investor's income also increases. When selling a share, the investor receives losses or income in the form of the difference between the sale price of the share.
The initial price of the unit is determined by the fund. It is most profitable to buy it during a market decline. The main advantages of a mutual fund are the ability to invest without special knowledge, high returns, and reduced investment costs. The state strictly controls the work of companies. And this is a good additional guarantee of stability.
Mutual funds can be bond, stock, index and mixed. To buy a share, you need to contact either the mutual fund agent bank or the company itself to notify of your desire. After signing an agreement with the fund, the funds are transferred to its current account.
After purchasing a share, the client receives confirmation of the opening of the account, the transfer of the share to it and a statement of the quantity. However, before investing, you should go to the website pif.investfunds.ru/funds. It contains all the information about mutual funds.
Option number 9. Investing in business
A good option would be to invest money under a Franchise. Franchising, at its core, is the cloning of the parent company. They give you ready plan work, train you and provide information support when starting a business in your region. It's like a ready-made construction set, there are all the details and instructions. All that remains is to assemble a working system.
In the case of a business, you will not receive passive income, but when debugging business processes, you can delegate all the work and hire executive director. In this case, it looks more like an investment. Such a system will generate income for you without your participation.
Option number 10. Investments in information sites
Income when investing in information sites comes from placing banner, contextual, teaser advertising on them, affiliate programs, as well as from the placement of advertising articles. Essentially, this is passive income (if you don’t take the placement of advertising articles, although this work can be delegated).
Such a resource can be created from scratch, but this requires certain knowledge. Let's look at investing in ready-made projects.
How much can an information website cost and what is the return on investment?
Approximate price 20-24 months * monthly website income (the formula is valid for small and medium-sized websites). For example, if the site brings in $400 per month, the price will be = $400 * 20-24 months. = 8000 – 9600$. Those. return on investment 4-5% per month . To make such purchases and sales, there is a special exchange telderi.ru.
In the case of independent development, the profitability of the project can be 50% per month. But it is worth considering that the new site will reach normal positions only after 4-8 months of active development (this also depends on the topic and competition in the niche).
What are the advantages of such an investment?
You receive monthly passive income. Given that further development project, monthly income increases, as does the value of the site itself in case of resale. The website acts as an asset.
Both for creating your project and for purchasing finished project you need special knowledge and skills, but there is nothing overly complicated here, if you would like to figure it out.
How much money does this site bring in?
The site you are currently on (site) brings in approximately $420 per month from Google AdSense contextual advertising.
Option number 11. Investments in Internet startups
Not long ago, a new investment option appeared - in Internet startups. The exchange is a kind of online version of shares. Large investors are not interested in projects that are promising but small by their standards. And without funds for development, the initiative will remain only for them.
Promising projects are strictly selected before they are included in the exchange catalog. After this, funds are allocated for their development. They represent freely floated shares. Investors can receive income from approximately the first month 3-7% monthly. If necessary, in order to make a profit, you can always sell shares within the system.
Option number 12. Investment in microcredit
People are constantly short of money. This means that the popularity of lending is growing. But if you want to engage in this type of investment, it is worth enlisting the support of a knowledgeable person who is familiar with this area and has considerable experience. He will have to consult his partner often.
Without the assistance of a professional, investing is meaningless: if you do not know the specifics of the business and do not have the slightest idea about its proper organization, then the invested funds will not only not be able to be saved, but the risk of losing everything increases significantly.
Option number 13. Investing in purchasing coins
Investing in coins is very profitable. They are tax-free and easy to store. It’s just important to do everything carefully. Even a small scratch on a coin reduces its value. The easiest and safest way to store your investment is in a safe deposit box. Of course, there are additional costs, but the risk of damage due to negligence is reduced to zero. Silver and gold coins are especially attractive.
It is important to buy such coins or bars only in banks in order to select by weight. IN credit organizations There are all certificates confirming the origin of the metal. So long term investment will pay off. Unlike ingots, jewelry is not free from impurities, so the purity of the metal in them is a big question.
So, regardless of the size of the planned investment, several million or just one thousand, all conditions must be completely clear, and the invested funds must generate income. And for this, investments need supervision. Which business to invest in?
You need to invest in real projects, and not in mirages that crumble when you look closely. So huge dividends in record time is a warning sign. It is better not to make investments in such projects: it is recommended to save your own nerves and funds.
Option number 14. Investments in studies
Where do rich people invest their money? If there available funds, then why not invest them in the child’s education? Education has long ceased to be free. And there are many payment options. You can make a one-time payment for the entire term and track your attendance at classes. The investment is completely justified
Just before investing, you should find out whether the child himself agrees to study at the chosen institution. If he does not show any inclination towards the direction chosen by his parents, then the investment will turn out to be an empty phrase.
Yes, and find out everything about educational institution necessary: it is asking for a lot of money, but whether it corresponds to such injections is a question. A limited social circle, formed according to the principle “we are friends with those with whom it is profitable” and often deliberately inflated marks are a reason to be wary and think: is such an investment profitable?
Investments in the development of personnel qualifications are one of the areas for investment among wealthy people. Knowledgeable employees who can quickly and correctly assess situations, work productively, maintaining and strengthening team spirit - this is the right investment that will pay off in the near future.
The most popular areas for investment
Investments in industry are quite large. They are dealt with by large investors. Their profits are already considerable, and therefore the size of their investments is impressive. Investing in industrial development is not only profitable, but also a very fashionable and patriotic direction.
When investing in deposits or real estate minimum size monthly income in Russia it could be ten percent. Investments in stocks, precious metals and financial pyramids are riskier. You can earn up to five hundred percent of down payment, but you can lose everything.
A pyramid is generally an unpredictable investment method. Let the promises be fulfilled at first, and the profits reach enormous proportions. But this is only for those who came at the beginning. Then begins a decrease in income and, finally, a logical result: the disappearance of both the organizers and the money.
You shouldn’t fall for promises to easily double or even triple your money while playing Forex. Stock trading is an activity for professionals. And only they can predict the behavior of currencies, and even then not always. And losing money, and quite a lot of it, because of gullibility is too reckless. Investments in the development and development of your website, business, or participation in a mutual fund are more profitable: thirty percent of the investment will return a profit.
Where not to invest
But where you should not invest under any circumstances is in the purchase of cars and mink coats. It is clear that purchasing a pair of luxurious fur coats for the price of one is a real success.
But even a moth will not refuse a treat. Such goods do not last long, and the styles lose their relevance. The same principle applies to large chains that distribute luxury perfumes.
Home appliances are an unwise investment. It becomes outdated and loses value. It will be impossible to sell it even at the purchase price.
It is also worth remembering that even a brand new car loses about a third of its price after leaving the showroom gate. And it is impossible to return these funds. Over time, technology does not become more expensive, unlike precious metals.
Preservation of capital is a pressing issue, and therefore it is important to approach its solution carefully, without haste, having discussed all the pros and cons of future investment. Ultimately, the issue of stability and profit margins depend on the decision.
Parable of the Plumbing
It's nice to profit from money that was earned before. Making money work requires knowledge and understanding of the situation. There are investment methods for beginners and financial pros - we offer an overview of the most popular options.
The question is as old as time. A person feels ideally settled in life only when he withdraws decent amounts from bank card without doing anything about it. Making a profit from what you have earned before, and thus ensuring your present and future, is a sign of a person with a good head.
There is no need to consider the conclusions made in the article as a guide to action - what turned out to be profitable for the author may not suit you. Choose ways to earn money yourself, then you can rightfully consider both laurels and thorns only yours. However, first it will be useful to dwell on how to make money today on what you earned yesterday.
Let's look at what methods of generating income from invested money exist, and try to determine the most profitable one.
Bank deposits
Nothing could be simpler. You transfer your money to the bank and receive a certain percentage of the deposit amount. The bank makes money using your money.
A simple example. You deposited a certain amount at 10% per annum. After a year, you receive your money and 10% on top (which can be received in monthly installments). Credit rate this bank has 20%. Thus, the person to whom your money will be loaned will pay the bank 20% of the loan amount for it, and the bank will earn 10% from the intermediation.
The scheme is simple, understandable, predictable and the most reliable. Other financial instruments cannot boast of such predictability. Moreover, deposits over 700 thousand rubles are insured by the state and are guaranteed to be returned to the depositor, regardless of financial condition jar. An amount over 700 thousand can be divided into several deposits, protecting yourself from losing money in the event of bank bankruptcy.
It’s easy to calculate your income using the loan calculator on your bank’s website on the Internet. With high reliability bank deposit Low profitability prevents it from being considered profitable. The method is good for initial savings with subsequent investment in more profitable areas, as well as as a cash “airbag”.
PAMM accounts
Thus, the trader takes risks together with investors. Profits and losses are automatically distributed at the end of the trading period between the PAMM account manager and investors according to the offer - a public agreement that sets out the conditions. The investor’s participation is thus limited to choosing a manager and investing money in his PAMM account (see “”).
The convenience of PAMM accounts is that for investment you do not need to have special knowledge and a minimum initial investment threshold. Disadvantages - complete trust own money to a third party and the inability to influence the result.
Mutual investment funds (UIFs)
A slightly less popular way of investing. Mutual funds are a kind of financial accumulator where the money of small investors (shareholders) is collected and used by managers for various types of investment in order to make a profit. These funds can be invested in stocks, bonds, precious metals, currencies, etc.
Funds are not just invested - they are managed. Assets are purchased, for example, at the moment of the minimum price with reasonable confidence that an increase in their value is required. To determine this probability, technical and fundamental analysis are used.
Analyzed economic situation in the world, region, economic and political news and a host of other components that are difficult for the average person. The task of mutual funds is to save a person from all these difficulties, receive their money and earn money from it for themselves and the average person, who, while earning in this way, does not need to be distracted from their main activity.
Perhaps an investor in a mutual fund will master the business after a while and start investing on his own, but that will be a different story. For successful investments, the “right” mutual fund must be chosen. There are plenty of recommendations for choosing on the Internet, and for those who are especially interested, we can recommend taking the “Successful Investor” training, where you can learn the ABCs of profitable investing.
The advantages of mutual funds include a low investment threshold, strict state control activities, professional management and absence of taxation for the investor.
Disadvantages of mutual funds - more high risk in comparison with fixed income instruments, costs for registration and storage of certificates, interest payments management company regardless of profitability and some others.
Stock
A share is a security that indicates the owner's share in the capital of a company and entitles its owner to a portion of the company's profits. Much has been written about what types of stocks are and what their differences are. Compared to other investment methods, investing in stocks is the most profitable in the long term, but also the most risky. Investing in the purchase of shares forces you to constantly monitor the situation on the market, avoiding capital losses due to a decrease in the value of shares in times of crisis.
Bonds
Bonds are debt securities that guarantee their owner to receive a certain amount from the issuer. sum of money. Designed for those who do not like to take risks. High yields on bonds are impossible - they are usually comparable to the yield on deposits.
Such an instrument cannot be considered profitable, but it is quite suitable as a way to diversify investments. The term diversification means distribution investment capital between risky and reliable instruments. Reliable ones (such as gold, deposits, bonds) with a minimum return allow you to preserve the capital invested in them, regardless of the market situation.
Forex
Forex (FOReign EXchange) is an interbank market currency exchange at free prices. Essentially, this is speculation in various currencies. For example, having bought 100 euros for 130 dollars, after some time you sell them for 160 dollars, earning 30 dollars.
Trading on Forex currency pairs, as shown in the example. The value of currencies depends on many factors and is constantly changing. For example, the financial instability of individual eurozone states (Greece, Spain, Portugal) leads to investors, fearing a fall in the euro (this currency is needed to support financial systems these countries) get rid of it. Its volume on the Forex exchange is growing, its value relative to other currencies is falling. It is from such fluctuations in rates that they make money on Forex.
You can, having previously trained, trade Forex on your own, or you can trust your money to professional traders. The investment method, despite widespread advertising, is questionable. If you trade yourself, you have experience, knowledge, strategy, will - this is your method. But the statistics are inexorable: only a few made fortunes on Forex, but millions of burned-out optimists. So, it's up to you.
Endowment life insurance
Or insurance in case of unforeseen circumstances. It differs from conventional insurance in that it combines health and life insurance with the accumulation, preservation and increase of capital. Conventional insurance requires payment of a certain amount upon the occurrence of insured event, and when accumulative insurance, if such a case does not occur during the validity of the contract, you can receive the entire accumulated amount at once or certain monthly payments for the rest of your life. Naturally, this method of investing cannot be considered highly profitable.
General Funds of Banking Management (FBU)
OFBUs are very similar to mutual funds, but have broader investment functions. On the one hand, this expands the possibilities for increasing profitability, on the other, it increases risks. There are known cases of profitability of investments in OFBU up to 600% per annum.
A negative factor can be considered that, unlike mutual funds, OFBUs are much less controlled by the state. Sometimes OFBUs end in complete collapse due to the lack of professionalism of managers. There is enough information on the Internet about the work of OFBU. Recommendations for investing in OFBUs are very restrained. It is recommended to invest amounts that are not very difficult to part with. I think comments are unnecessary.
Hedge funds
There is a new and unpopular type of investment in Russia. At the current stage, this tool is available to a small group of wealthy investors. Hedge funds are extremely popular in the Western market. The minimum investment entry ranges from several hundred to a million dollars.
Lack of intelligible regulatory regulation allows you to freely choose investment game strategies and use the widest range of investment tools. As a result, you can either end up with super profits or suffer huge losses. A striking example of a hedge fund is the famous Quantum fund, the brainchild of a financial game genius who once managed to make a fantastic profit of a billion dollars in one day.
Structured (structured) products
They are a complex financial instruments, usually offered by investment and commercial banks For individual categories clients. Structured products gained particular popularity during the crisis, when the market situation required the search for reliable investment methods that could provide income greater than bank deposits.
Principle structural product is simple: approximately 80-90% of investment capital is placed in bank deposits, and the remaining 10-20% is invested in futures and options. In case of unfavorable developments, the investor remains “within his own hands”, without losing anything, and with a successful investment, he receives a profit of 20-30%. Not very much, but higher than the return on deposits.
By the way, a small but stable profitability is a sign of the manager’s high professionalism. Investment genius Warren Buffett has been earning his clients 24% per annum for many years. The figure is not impressive at first glance - only Buffett can provide such constant profitability.
Gold and other precious metals
For most, wealth has a golden sheen. Gold can hardly be considered as a profitable investment, although its price is Lately jumped up significantly. During periods of crisis, gold helps preserve savings. During such times, investors are freed from stocks, bonds and other products and purchase gold. When the crisis eases the economy and profitable investment options appear, the demand for securities increases. This is why gold prices rise during periods of crisis and then most often fall.
Real estate
Real estate is always profitable for investment. In itself, it is constantly growing in price and, in addition, allows you to receive income from renting it out. But the trouble is that real estate is very expensive and can only be considered as an investment wealthy people. If you have a lot of capital, then investing in real estate may be an option.
You can get by with less money if you invest in real estate during the construction phase. In this case, you will have to periodically pay the cost of housing in certain installments. It is necessary to calculate a specific option, if there is a possibility of payments and this will not affect your standard of living, then you can invest at the construction stage, when the cost per square meter is much lower than the constructed housing.
Business
So, the main options for financial instruments have been revised. Each of them has its own advantages and disadvantages. The principle is obvious: the more reliable the investment, the lower its profitability and vice versa.
The last option, which has not yet been described, is your own business. What determines the profitability of your own business? Only from its owner. No one sets the rules and conditions here: imagination, efficiency, and ingenuity are the key to a businessman’s success. Of course, there are various external circumstances that affect the business, but they are not critical and everything is in the hands of the owner.
Often, the right business brings in at least 100% per annum. In addition, you become a creator and participant in an exciting process in which almost everything depends only on you. Along with your business, a person also changes: you become stronger, more confident in yourself, and in general, you grow as a person.
In addition, you still have the opportunity to invest your earnings in various instruments to generate additional income. In life you can never count on anyone for the most important things. Only you yourself can become the master of your life, no one else. I made my choice: the best investment is my own business. Join us and I wish you good luck!
Gone are the days when keeping money in a savings account at a bank was considered the norm. Today everyone knows that money should not lie dead weight, but work. However, this simple rule is not so easy to implement in practice. Many people think that a small amount of money is not suitable for investing in a business or project. In this article we will talk in detail about where to invest a small amount money to receive fixed income.
Experts say the problem of investing money is difficult question more from a psychological point of view than from an economic one. The fear of investing money in a project is overwhelming economic feasibility rules for the need for money to work. Especially when we are not talking about a large amount.
People consider the issue of investing money to be the prerogative of very wealthy and successful businessmen. However, investing is a way of investing money, regardless of the amount.
To narrow down the search for interesting and really working ideas for investing money, in this article we will limit the budget to 50 thousand rubles. But this does not mean at all that ideas cannot be used for an amount of 5-10 thousand rubles.
Here it is more important to understand the principle of investment and the essence of the law launched by Robert Kiyosaki that “money should work.”
Do we save or increase?
Before looking for an investment option, it is important to clearly define your goal. If the goal is to preserve capital, then the best method would be a bank deposit. But at the same time, a bank deposit is not the best remedy to capitalize the deposit and make a good profit.
Even with the most profitable interest rates, by the time the contract expires, inflation eliminates all economic benefits.
This is where you have to choose between financial risk and capital increase. It is also important to understand that when investing money in any income-generating project, it is important to wait time.
You cannot take money out of circulation, be it any business project or investing in mutual funds.
You also need to analyze your financial opportunities and decide on your desired income. Money should be truly free.
Golden rules for successful investing
When thinking about where to invest a small amount of money so as not to lose it and so that it generates income, you need to clearly understand the principle of investment.
The rules for successful investing will help you properly manage the money you earn and avoid the mistakes that many beginners make.
Rule #1. Money must be free
Experts recommend that before any investment of money, provide yourself with a so-called “financial cushion”. This concept came to us from the West and means a specific amount of money that is necessary to ensure life.
This includes food costs, utility bills and medical services, purchase of gasoline, etc. Depending on the situation in the family, the number of children, you need to calculate how much you need for these mandatory expenses per month. Now multiply it by 6 and get the amount that will be the “financial cushion” for 6 months. This is the period that experts determine is the most profitable for investing money.
An exception to this rule can only be passive income from a bank deposit that was previously placed with the bank.
Rule #2. Having a regular income
When investing money, you must understand that you cannot withdraw money from circulation. You must have active or passive income so as not to withdraw money from the project for a certain period of time.
Therefore, if you are not sure that you will receive a constant income in the near future, then it is better to refuse investing.
Rule #3. Distribution of money in different directions
Considering that we are specifically looking at investing a small amount of money, it will be difficult to distribute it across different areas.
But in order to understand the rules of the investment market, you need to know that diversification allows you to minimize financial risk as much as possible.
Rule #4. Planning and strategy
Set a clear goal for your investment. It is important to understand how much you want to extract from the capital you are charging and over what period of time. Write down a long-term and short-term goal. This will allow you to decide on an investment option and choose the most optimal method.
Rule #5. Explore types of investing
Before you invest money in a project or give it to a professional to work on, study everything yourself available methods investments that are suitable for your amount of money.
Balance risks and opportunities. If you invest on your own, you should start with a small amount of money and choose the most simple ways. Over time, increasing your experience and level of knowledge, you can move to the next level.
You should be wary of offers to make quick super profits. At first glance, they seem very tempting, but they often carry a very high unjustified financial risk.
7 best ways to invest money
- Investing in gold or precious metals
- Purchase of securities
- Starting your own business
- PAMM accounts
In order to understand the essence of each of these types of investment, their risks and opportunities, let's take a closer look at each.
Investing in gold or precious metals
When it comes to a small amount of money of 1-2 thousand dollars, then buying gold is the best option. But, as is the case with bank deposit, here we are talking more about the safety of money rather than making a profit.
Unlike a bank deposit, by investing in gold, you will be independent of the inflation rate. Gold does not lose value and every year its nominal value only increases.
Statistics from Sberbank of Russia show the profitability of metal accounts over the past 5 years at around 84%. At the same time, the price for 1g of gold increased by 30% from 2012 to 2017.
When investing in precious metals (gold, platinum, silver), you don’t have to worry about the fact that at the end of the contract, you will receive an amount of money that no longer has the nominal value that it had at the very beginning of the deposit.
Considering the economic instability in our country and rising inflation, investors recommend giving preference to this type of investment over a bank deposit.
You can choose 4 investment options:
- purchase of gold bars;
- buying coins;
- impersonal metal accounts;
- acquisition of shares backed by gold.
An undeniable advantage of such a contribution is the availability of this method.
Here you do not need to have fundamental knowledge in the field of investing to calculate the profitability and risks of the project. Silver is purchased in bars from 50 grams to 1000 grams, palladium from 5 to 100 grams.
By concluding an agreement, the bank mandatory issues a document confirming the authenticity of gold and its estimated value.
What should you know when investing this way? Gold is property, which means that when sold to a bank, you will need to pay a tax of 18%.
You can get around this point by purchasing coins instead of gold. The fact is that they themselves are already money, so they are not subject to tax upon sale.
Another type of this method of investing funds is OMS (unallocated metal accounts). Such an account can be opened in any Russian bank, holding a license for this type operations.
Video. Investing in gold
The client purchases gold from the bank at the price that is set on the day of the transaction and opens a compulsory medical insurance. The purchase price of precious metal in a bank will be higher than on the stock exchange.
By opening a special account, the client does not deal specifically with gold. He transfers money to the account by purchasing a certain number of grams. When the account is closed, the bank returns the cash equivalent to the current account.
At the same time, there will be no need to pay a tax of 18% on gold. Compulsory medical insurance is not subject to VAT. Additionally, interest is accrued on the impersonal account, as in the case of a bank deposit.
But a serious disadvantage is financial risk. Unlike deposits, such compulsory medical insurance is not insured by the bank. In the event of a bank bankruptcy, there is a high probability that your capital will not be returned.
To summarize, it should be said that investing in gold and precious metals is safe, but not profitable. If you are more considering a way to save money, then investing in gold is the best option with minimal risk.
If we are talking about making a quick profit, then this path will not be the fastest.
- long-term investment;
- availability;
- high liquidity of gold;
- precious metals do not lose their value;
- passive income opportunity.
- when selling gold you will have to pay tax;
- high purchase price precious metals in the bank;
- long-term investment;
- You won’t be able to make a big profit right away.
Purchase of securities
This type of investment refers to the purchase of shares and bonds of companies. A security is a document that gives certain rights to property or part of it.
A security has a market and par value. What is the difference? Market price formed under the influence of supply and demand stock market. Face value is the actual price stated by the company. It depends on the size of the company's capital. Speaking in simple words, the sum of everything authorized capital divided by the number of issued shares of the company.
Dividends are paid to shareholders based on par value rather than market value. As a rule, the nominal value is a very conditional indicator and rarely coincides with market value, which is generated by demand.
The advantage of such an investment is that you can count on good income, which cannot be compared with annual interest from a bank deposit.
The downside is that to manage investments you need to have a good understanding of the specifics of the stock market.
Securities are one of the most unstable instruments, which are subject to numerous external and internal economic factors. For beginners who still want to try their hand at investing in securities, experts recommend purchasing dividend shares. In any case, they will be able to make a profit.
Starting your own business
Many people may be very skeptical about this type of investment, given the small amount of capital. However, today on the Internet you can find a lot of business ideas for starting your own business with minimal investment.
Here's just a small list:
- Growing house plants.
- Flower shop.
- Opening of a nail service studio.
- Sugaring salon.
- Breeding nutria or rabbits.
- Production of semi-finished products at home.
- Home atelier for sewing and repairing clothes.
- Making gel candles or handmade soap.
- Wedding organization.
- Cleaning company.
A mutual investment fund is a mutual investment fund.
This organization is based on trust management investors' money.
The purpose of such a fund is to manage investors’ funds, while investment processes are handled by professionals.
Simply put, you let experts manage your capital by investing in various areas production.
It should be noted that investing in mutual funds today is no longer as popular as it was 10–15 years ago.
In the early 2000s, the rapid development of such funds allowed their investors to extract up to 500% profit from projects. Today we are not talking about such huge profits, but it is still a good type of investment.
Any citizen who has the money to purchase one share can invest money in a mutual fund.
A share is one part that has its own nominal value. The advantage of such investing is that you do not need to have fundamental knowledge in the field of economics and finance. The search for profitable projects will be carried out by professionals. At the same time, the mutual fund does not limit geographical position companies. So, you can invest in domestic and foreign companies.
Experts here use the principle of diversification. The same one that we talked about in the basic rules of successful investing.
Mutual Fund allows you to invest money in the development of companies engaged in oil production, sale of cosmetics, production and processing of goods.
How does the investment fund operate?
For example, you have an amount of 50 thousand rubles. You understand that this is not enough to launch a large project. If you find 9 more people with the same amount, then half a million rubles can already allow you to launch an interesting and profitable business idea. But where to find the rest of the participants? Here, a mutual fund allows you to combine the efforts of several investors for competent money management. At the same time, the fund does not limit the deposit amount. Anyone can become a participant, and income will be distributed according to the amount invested.
We should not forget that a certain amount will need to be given to experts, because they will be the ones who will analyze the market and determine where to invest the money.
Each of the fund participants, depending on the investment amount, receives a certain number of shares. This indicates that each share has its own nominal value.
Using all the money, the fund to which you entrusted the assets buys shares of companies (maybe different companies) and manages them for stock exchange. At the end of a certain period, which is specified in the contract, fund participants can withdraw their profits along with the initially invested capital. Or they can only take the profit, leaving the capital to continue working.
It is fair to say about the financial risk that exists in this type of investment. Of course, it exists, but it is minimal.
Firstly, professionals who have special education and extensive experience in the field of investing will work with money.
And secondly, taking into account the principle of diversification, money will circulate in different projects. The likelihood that all projects will fail immediately is minimal.
The good news for those who are afraid to invest money in mutual funds is state control. But even in this case, to minimize financial risk, it is important to choose the right fund.
Consider several criteria when choosing. Don't focus solely on profitability. These can be high indicators over a short period or an ordinary accident, a successful coincidence of circumstances. If profitability is the main criterion for you when choosing, then analyze the profitability of the mutual fund over a long period of time.
There are open and closed mutual funds, which differ in entry rules and equity participation.
An open-end fund is convenient with a minimum amount of equity participation and short-term investment.
A closed-end fund offers investment for the long term.
Having an amount of 10-15 thousand rubles on hand, you can safely invest it in a mutual fund and at the same time count on profits that will grow every year.
Very often, people, having half a million rubles in their hands, do not come up with anything new except to place all the funds in a deposit account.
The income from such an investment will be much greater than from a deposit, but only if this fund will work well.
- the deposit is managed by experts;
- high profitability;
- free entrance;
- low entry threshold;
- possibility of deposit insurance;
- state control over the work of the fund;
- transparency of money management;
- the ability to withdraw money with an open deposit form;
- variety of projects.
- payment for professional services;
- financial risk.
Investment in PAMM accounts
Another option for investing a small amount of money is a PAMM account. To some extent, this option is similar to a mutual fund in that it pools the money of several investors.
But the main difference is the management of this money. Anyone can become a trader and manage investment accounts. This brokerage companies, which have recently gained great popularity thanks to intensive advertising in the media.
PAMM is a form of money management by one person who “plays” securities on the exchange. All other participants observe the process, receiving profits in proportion to the money invested.
In order to implement this type of investment, you need to find a professional, successful broker. A professional broker is the key to the success of this type of investment. It is important to understand that everything monetary transactions occur without the participation of the investor.
If you have always wanted to make money on the stock exchange, but at the same time you understand that you do not have sufficient experience and knowledge, then investing in a PAMM account will be the best option.
Brokers earn a percentage of each transaction, so they are primarily interested in the success of the project. But at the same time, they do not invest their money, which means they do not bear financial risk. For an investor, investing in PAMM accounts is a good opportunity to receive passive income.
Video. Investments in PAMM accounts
Conclusion
Of course, this list of options for investing a small amount is far from complete. In this article, the information was based on the criterion of a capital amount of 50 thousand rubles and the lack of specific experience.
Today on the Internet you can find many offers on the topic of investing a small amount. To avoid becoming a victim of scammers, do not consider options financial pyramids. The tempting offer of making quick and high profits is always offset by the fact of a complete loss of your capital.
Video. Where to invest a small amount of money?