Any conscientious citizen wants to have a stable passive income. One way to achieve this goal is to invest money in profitable commercial projects and make a small profit. Available financial resources can be used to develop a business, purchase real estate, participate in mutual funds or open a depository account.

What is investing money

Each participant economic system must strive to increase equity. Investing money in different projects to achieve this goal is called investing. Investments and loans differ in the degree of risk. They generate income only in profitable projects, and the lender receives interest regardless of financial condition borrower. The following are distinguished: investment instruments:

• bank deposits;
• insurance or pension savings programs;
• shares of exchange-traded funds;
• real estate;
• shares investment funds(PIF);
• structured banking products;
• precious metals(gold, platinum, silver, etc.);
• hedge funds;
• alternative (art objects, precious stones, jewelry, etc.).

What amounts can you start with?

Methods of earning money directly depend on how much capital a potential investor has. To participate in major investment projects a citizen must have a minimum of $2,000. People planning to start their own business should have similar capital. Tool passive income at the initial stage of investment a deposit may be used. Some banks allow deposits from 1000 rubles.

How to invest money correctly

A citizen must decide how much money he is willing to spend to organize passive income. With minimal risks, you can make a profit only from bank deposits. Over the course of a year, 10-12% will be added to the amount existing on the account. When using other investment instruments, the risks increase. Citizens who do not take this factor into account often lose their own savings.

Business plan

A citizen needs to draw up capital distribution schemes if he is considering several investment options. Large investors do not advise distributing finances between several economic spheres at the initial stages, because there is a high probability of losing all your savings. First you need to identify reliable financial partners and then invest the money. The business plan must include:

• the amount of capital that a citizen is willing to spend for investments;
• the amount of desired profit;
• investment instruments that will be used to achieve the set goals;
• calculation of possible losses.

Free money

This term refers to cash that the investor can use for investment. They are not subject to interest and are not used for payment. utilities and execution of other financial obligations. You can invest your free money anywhere. Borrowed funds, used for deposits, do not belong to this category of assets.

Regular profitability

This indicator refers to the amount of funds that a citizen receives over a certain period of time. Profits received from investments are not included in this amount. The regular profitability indicator must be divided into 2 parts. One share of the funds received will be used to ensure personal subsistence, and the second will be used in the constant increase of capital.

Reinvestment of profits

All investors regularly redistribute their capital. This procedure is called reinvestment. A competent approach to the redistribution of assets will help not only maintain existing profit indicators, but also increase the size of your own savings. This procedure is used in some banks where open deposit Interest is added every month. Only large investors receive daily dividends. Other individuals are recommended to reinvest profits once every 2-3 months.

Where to invest money to make it work

Free funds should not be kept at home without any purpose. Exchange rates are constantly changing, which leads to a gradual depreciation of money. You can save assets if you invest them in commercial projects. It is advisable to distribute funds across several sectors. For example, if mutual funds lose, then the profit received from selling shares on the stock exchange can compensate for the losses. The most popular financial instruments for increasing capital:

• bank deposits;
• real estate;
• mutual funds;
• currency markets and securities exchanges.

Bank deposits

Many people are afraid to invest money in dubious commercial projects, so they open depository accounts. The main disadvantage of this method of increasing capital is the low interest on deposits. With a bank deposit, a citizen can earn only 10-12% of the initial amount. This way of earning money is completely safe, because... all deposits are insured by the state. Top 5 reliable banks offering the most profitable terms to open deposits, looks like this:

1. Moscow Credit Bank. Clients of the institution can open a depository account at a high interest rate, amounting to 9% per annum. The minimum deposit amount is 1000 rubles. Money with interest is withdrawn only at the end of the term. If the deposit is withdrawn early, the profit will be reset to zero.
2. National Bank"Trust". The annual rate on deposits in this institution is 10% per annum. The deposit amount cannot be less than 50,000 rubles.
3. Citibank. Clients of the institution who use complex investment or insurance products can open a deposit at 9% per annum. The minimum deposit amount is 30,000 rubles.
4. URALSIB. Especially for people who decide to purchase shares, the institution offers to open a depository account at 9% per annum. The deposit cannot be less than 50,000 rubles.
5. Binbank. Citizens can open a deposit in this bank in the amount of 50,000 rubles at 10% per annum. The money is deposited into the account for 181 days.

Playing on the stock exchange and Forex

When it comes to where to invest money profitably, some people think of buying stocks, bonds and then selling them. Trade securities on stock exchanges. Citizens who have free money can turn to Forex brokers or try to create their own investment portfolio. But first you should study the basic principles of selling assets, otherwise the risk of losing all funds from your PAMM account increases.

Investments in mutual funds

Many financiers, when asked where it is better for an ordinary citizen to invest money, will answer that it is better to become a shareholder in a mutual investment fund or open a depository account in a bank. Closely with mutual funds on Russian market Sberbank, VTB, URALSIB, Raiffeisen and other credit institutions operate. An individual can invest small amounts of money in them or purchase shares for a large amount. Top 5 most profitable mutual funds this year:

1. MK promotions from Management Consulting.
2. Raiffeisen - Information Technology from Raiffeisen Capital.
3. URALSIB Energy perspective from URALSIB.
4. VTB – Energy Fund from VTB Capital Asset Management.
5. RSHB - Best industries from RSHB Asset Management.

Investing in real estate

One of the options for long-term investment is the purchase of commercial or residential premises. The value of real estate is increasing every year. Investment is considered profitable at the excavation stage, but it should be taken into account that customers often miss delivery deadlines residential complexes. Attachments Money V commercial real estate will be profitable if the citizen himself plans to start a business. It is not profitable to invest money in it for further sale.

Own business

Individuals When wondering what to invest money in, they forget about entrepreneurial activity. A real business begins to generate good income after a customer base has been collected. The basis of any profitable entrepreneurial activity is a good idea. If a citizen has developed a detailed plan for increasing own funds through the production of any unique product or service, then you should invest money in the implementation of these ideas.

Where to invest money at high interest rates

All investors want to get a lot of profit. Bank deposits will not help achieve this goal. Rates on them rarely exceed 10% per annum. Some people start investing all their money in oil or other useful resources, which often causes their finances to depreciate. There are many methods that can be profitable, but at the same time demonstrate high risks. These include:

• buying and selling shares;
• investing in foreign currency;
• purchase of precious metals;
• investing in binary options.

Profitable investments in Internet projects

You can increase your own assets not only with the help of banks and hiring professional investors. The Internet provides enormous opportunities for passive income. The network user can only choose projects in which to invest money. It is better to consult with a successful investor in advance to reduce the risk of capital loss. A citizen can invest a small sum of money to one of the following projects:

• Forex exchange;
• creating your own website or blog;
• participation in HYIPs or online casinos;
• purchasing a website on an exchange;
• participation in a network Internet project;
• opening your own online store;
• V partnership programs or their sale using contextual advertising;
• binary bets;
• general fund banking department(OFBU) or mutual funds.

What is profitable to invest money in Russia

In the territory post-Soviet space Among all investment instruments, depository accounts and mutual funds have become very popular. Some citizens may try to learn how to trade on stock exchanges, giving preference to shares in stable currencies (dollars, pounds sterling, Japanese yen). You can invest any money in real estate. Apartment buildings bring large profits to their owners. To receive money in Russia, you can consider the following investment options:

• bonds;
• private lending;
• investing in websites for CPA (Cost Per Action) affiliate programs;
• venture funds;
• investing in MFA resources (Made For Adsense).

Large amounts

Financiers advise citizens who have large capital to start buying precious stones. Inflation has virtually no effect on this investment instrument, because the best way There is no cash savings to be found. For the same reason, experts recommend investing in the purchase of gold, platinum and other precious metals. Trust management financial instruments- a popular way to increase capital. You can transfer your own money to one of successful traders or a bank offering similar services.

The first thing that comes to mind for most people who think about how to increase money is to put it in a bank at interest.

However, in reality, although this is a safe investment of funds, if, of course, you have chosen a reliable bank for your deposit, it is not very profitable. After all, bank interest rates are very low. In many cases, bank interest rates are lower than the actual inflation rate. But, despite this, professionals in investing personal funds recommend putting interest in reliable bank about a fifth of personal savings.

Some experts advise opening a bank account in the currency in which you pay. Another popular option was the division of deposits into currencies: part in rubles, the rest in dollars and euros. This way you can protect yourself from a fall in the exchange rate of a particular currency and make money on its growth.

In a number of banks you can open deposits in precious metals such as gold, silver, platinum. The owner of such an account will benefit greatly when precious metals prices rise, but a very high income is not guaranteed, since the value of precious metals can either rise or fall.

Investments in apartments and other non-commercial real estate

Ask passers-by on the street, where is the best place to invest money so as not to lose it? Most respondents will answer that it is best to invest money in houses and apartments.

There have been many arguments about the benefits of investing money in real estate, but this is the option today chosen by quite a few residents of our country, who invest money primarily so as not to lose it, and not with the expectation of high profits.

The object of investment in in this case become apartments, rooms, garages. There are several ways to make money by investing in real estate.

You can invest in an apartment at the initial stage of building a house, when the price is not too high, and then sell the property when the house is built and the cost of square meters increases. But, when planning to invest money in building a house, it is important not to fall into the housing pyramid. Have you heard about defrauded shareholders? You can articles to them!

Another way to invest money in real estate quite profitably is to buy an apartment in an already built building and rent it out. Income will be the difference between rent and the amount of taxes and utility bills. In addition, the apartment will increase in price from year to year, which will also generate income. True, it will be possible to get it only with the sale of the apartment.

Where is it profitable to invest money: buying shares

But it’s almost impossible to predict 100 percent accurately whose shares will rise in price and for how long. Until recently, it seemed that oil and gas prices would constantly rise, but their prices are also subject to sharp fluctuations. Many economists recommend investing money profitably in shares of food industry enterprises, since food products will always be in demand. The IT sector also has very good prospects for development in the next few years.

Reliable and profitable investments - buying bonds

It has been noted that young people prefer stocks, which is risky. But the older a person is, the more often he invests money so as not to lose it - he buys bonds, which is safer than buying shares.

Investing money in bonds is not very risky, and the return may well be higher than on bank deposits. But you can also lose money on bonds. To get the most benefit from purchasing bonds, experts advise consulting with investment companies, which issuers are currently the most reliable.

There are downsides to investing in bonds and stocks. Securities prices may fluctuate. And it may happen that when you urgently need money, its exchange rate will be minimal. Then you will have to sell shares and bonds at a price lower than the purchase price. So for the most profitable investment of money in stocks and bonds, you should not count on their quick sale. It is believed that on average the yield on bonds is 9–20% per annum, on shares – 35–40% per annum.

A profitable way to invest money is investment funds

When choosing the most reliable investment fund for investing money, experts recommend investing in foreign funds with a long history. Maybe the profitability in this case will not be maximum, but the capital will increase, and the money will be protected. If you want to get rich quickly, then look for a Russian investment fund that offers maximum benefit. But in this case, be prepared to lose money at any time.

It has been proven for years that there are no reliable funds in nature that invest in risky securities in order to quickly earn big money. Therefore, when choosing an investment fund to invest money in, pay attention to what its strategy is.

Thus, we looked at five profitable ways where it is profitable to invest money to make it work. Of course, there are others that are riskier, for example, trading forex, binary options, derivatives, and finally, private loans for small development

Every advanced person thinks about where it is better to invest money.

Demand creates supply, and today investors are offered dozens of places where investing money can be a profitable idea. Let's review the most accessible and interesting options where you can invest money in 2019, compare their pros and cons, conditions and benefits!

Where to invest money - Startups

are innovative companies offering new technologies that simply did not exist before. Introducing new and unknown technologies into life and bringing them to the mass consumer is a very difficult task, which at the same time can bring thousands of percent of profit.

Note that: Every day new startups appear that require investment. But only 10% of them have been working for more than a year.

In order to make money, you need to make sure that the idea, goal, plan, team in a young company are well interconnected, if the company understands what it needs and what it does - this is an important component of success.

There are quite a few examples where startups literally from scratch turned into million-dollar companies, enriching their investors along the entire development path. Today there are special startup exchanges through which companies and investors converge. is a site where startups register themselves, their proposals, business plans and declare the required amount to start. Investors select startups and invest in them. So each startup can have many investors. When a startup reaches the requested amount, the project starts working and if successful, it will reward its investors.

Now that the American press has stopped printing money in the same quantity, there is an opinion among rich and wise people that new markets will not be born in the next 10 years, since there simply will not be free funds in the world for this. In 2018, the startup market shrank. This was affected by both the crisis and solvency.

Minuses

A startup means risks and the unknown. Often startups die not because of a bad idea, but because of poor organization and incompetence of company managers.

Where can you invest a little money - PAMM accounts

This is the type of investment I do. in fact, it is very similar to a mutual fund, only it is managed by one person. A professional trader creates a special PAMM account with a broker. This account initially only contains his authorized capital, for example, $50,000. Investors can then invest money into this account. The trader trades money from this account on the exchange and the profit from trading is distributed in proportion to the contributions of each investor.

Over the past 7 years, many PAMM account brokers have been born and died. Whatever the managers of existing brokers say, today there is only one leader - this.

It is this broker who owns the PAMM Account trademark, since it was he who came up with this system.

Profit in this type of trust management borders on an average of 4-6% per month or 80-120% per annum if we take into account reinvestment. Moreover, it is reinvestment that allows you to multiply your own profits and allow you to! This is very high percent, despite the fact that at portfolio investments There are practically no risks, and the minimum investment starts from $10. As you can see, this is a place where absolutely anyone can invest a little money.

Alpari provides all the statistics and data about the manager’s work, displays his transactions and trading volumes. On this moment There are PAMM accounts that have been operating for more than 4 years and bring stable profits. Since managers have different trading strategies, the profitability of individual PAMM accounts varies. If conservative ones bring 4-6% per month, then aggressive ones can give out in one month!

Risk control

By investing simultaneously in 10-15 different PAMM accounts, you reduce risks to the bare minimum. If one bill for the reporting month will bring a loss, then the others will cover this loss with their profit.

PAMM accounts are available to everyone; from the moment of registration with a broker to investment it will take no more than 10 minutes.

More detailed information You will find information about investments in PAMM on this blog, which is dedicated to them.

pros

High profitability, virtually no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.

Investing in the Stock Market

If money is put in a bank for storage, then it is invested in stock market. The stock market is a platform where securities, goods and even services are bought and sold. The main platforms are stock exchanges. In Russia it is Moscow Exchange— merger of two previously separate platforms, MICEX and RTS.

It is not the investor himself who has the right to trade directly on world exchanges, but an intermediary - a broker with the appropriate license. An investor opens a trading account with a broker and through it buys stock assets, such as securities and others.

Investments in Options

For me it very profitable type of investment. Not long ago I tried all the possibilities and am ready to tell you everything in detail.

A binary option is a contract where the price of an asset will rise or fall within a time period that you set. If your condition is met - the price of the asset rises or falls according to your forecast at the set time, then you make a profit. Everything is arranged in such a way that even a child will understand.

The best way is to give an example:

• You are buying binary option for shares Microsoft for 1 hour and indicate that the price will rise. If after an hour, the price of Microsoft shares is higher than at the time of purchasing the option, you receive 80% of the profit. If you invested $100, in an hour you could earn 80 dollars.

You can invest in options for periods from one minute to a week; you set the investment period yourself. Among the assets there are shares of the most large companies in the world like Gazprom, facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. And also among the assets there are assets commodity market(oil, gas, gold), stock indices, currencies...

How to make money investing in options?

Yes, very simple! Only follow the news. If you find out that Toyota sales start tomorrow new series cars, this means their shares will rise tomorrow. All you need to do is invest in a Toyota stock option with the condition that the price rises for 1 day or even an hour at the peak of the day or at the very beginning of it. If you find out that a tsunami flooded a Toyota plant, then their shares will fall and you can invest in an option with the condition that the price will fall.

Thus, you see that you can make money not only on the growth of shares, but also on the fall. And there is a lot of news about companies every day and thanks to a large number assets, you can invest in options daily. It is enough to make only 2 successful trades per day in order to earn more than $5,000 per month.

Here's a recent example as a guide:

Step 1 - select an asset. I chose Facebook shares using binary options:

Step 2 - Specify the option expiration time and forecast. I set the option expiration time to 21:35, since it is now 21:25, I will invest for 10 minutes. In this case, I predicted an increase in the stock price and pressed the button UP:

Step 3 - Make a profit. 10 minutes passed quickly and Facebook shares did not have time to rise much in price:

pros

These are the most highly profitable investments, in just 5-15 minutes you can get 70% profit. There are many trades you can make every day. Assets include stock, commodity and currency market. Available to absolutely everyone, minimum investment is only $25

Minuses

High returns come with high risks. Successful investment requires preparation and careful analysis of the asset. Due to the possibilities of super short-term investments, an investor must have psychological stability and have his own strategy.

Investments in shares

quite an old and classic method. You can invest in shares different ways depending on the company. Average stock returns fluctuate from 10 to 20% per annum.

But there are exceptions, for example, Nvidia shares gained 200% in 2017.

For established companies, on average, growth can be 5% per year. For example, Google is already an established huge business, imagine what he needs to do to increase the cost by 100% in half a year? It's practically impossible. But for a small pizzeria, it is enough to open a couple of new restaurants and conclude lucrative contracts in order to increase 500% in a couple of months.

You will be able to see in practice how shares are bought and sold on stock exchanges NASDAQ, XETRA, and others from the broker (minimum deposit to open an account is $500). There you can, Microsoft and more than 1000 companies from all over the world.

In addition to already established billion-dollar companies, new ones are constantly appearing, the shares of which are very cheap, but their potential, as well as their price, can increase thousands of times. For example, the same Apple was once a small startup.

If you do not want to risk a lot of money, but want to make money on shares, CFD contracts are an ideal option - this is trading on price differences.

It must be said that the broker’s assets include not only stocks, but also all currency pairs, indices and commodities, energy resources and others. Minimum deposit $200, and the minimum transactions are from 10-20 dollars.

pros

Shares can provide good returns, benefits and are long-term investments.

Minuses

A minimum stake in shares can cost quite a bit of money, and shares of unknown companies are quite risky.

Investing in metals

Buy physical gold Saving for future use is one of the long-standing traditions of saving money. And these days, gold bars are available for free sale in almost all banks in many countries, including Russia, Ukraine, and Belarus. A gold bar can have different weights, it varies from 1 gram to 1 kilogram. Each bank sets its own price for it.

Note that: Over the past 15 years, gold has experienced a price boom, but since 2012 it has been inexorably losing value. Today, the future is gold, and investments in gold can only be long-term.

This precious metal will not lose its basic value, but even a small drop in price can bring losses to the investor, because not only capital is lost, but also time.

A few years ago, Warren Buffett sold all his gold assets and was right. I believe that in 2018 there is no need to rush to invest in gold, at least it is worth waiting until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that in 2017, mutual funds dealing with gold have already suffered losses.

pros

Metals have a certain physical reserve, so there is no need to expect strong drops in price. Metals are long-term and reliable investments. Investments in metals are available to almost everyone who has a bank account.

Minuses

The price of metals varies greatly among different economies. On large percentage There is no need to count on profit. When selling gold in a bank, you must pay a tax of 13%, this is the percentage that can be achieved over several years of investment.

Compared to bank deposits investing in the stock market are considered significantly more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment. More voluminous in terms of money and types of companies is foreign market, where even children know about the promotions. mainly based on shares. But in order to successfully invest in shares, it is not enough just to have money to deposit; you need to have a good understanding of business and be able to predict. For those who don't feel confident in these skills - best choice will trust management.

Where to reliably invest money - Bank deposits

Today, the most popular way for Russians to save money is to invest in a bank deposit. It inspires more confidence among citizens than investing in investment funds. Perhaps this is due to the inertia of thinking, because in Soviet times it was possible to invest personal funds only in a savings bank.

I would say that people do not invest money in banks, but simply deposit them . The only exceptions can be very, very large amounts.

Interest income on bank rates small, on average 7-9% per annum, and the state insures each deposit up to 1,400,000 rubles against unforeseen circumstances.

Among the most reliable banks:

• Sberbank (sbrf.ru)
• Vneshtorgbank (VTB) St. Petersburg (vtb.ru)
• Gazprombank (gazprombank.ru)
• Rosselkhozbank (rshb.ru)

They offer not the largest, but stable and reliable annual interest: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are a place where anyone can invest money, but it’s difficult to call it an investment. Only the banker can earn money in the bank, and the depositor can only save his funds.

pros

The advantages are that banks are relatively reliable and you will definitely save your funds.

Minuses

7-10% yield is not justified, since the inflation rate is exactly at this level. It's hard to call it an investment.

Where to invest money - mutual fund

Mutual Investment Funds are also one of the types of capital investments where it is profitable to invest money relative to the bank. Mutual funds are created to attract investments for the purpose of trading on commodity and stock exchanges, as well as real estate transactions. Mutual funds have long been the most popular places where not every person on the street could invest money.

There are several types of mutual funds

• Open type mutual fund— here you can freely buy or sell shares.
• Interval type pif— shares are sold only after a certain time.
• Closed type mutual fund— do not accept deposits from private investors. Typically, profits are paid at the end of the year.

A mutual fund can be considered as a trust management - you buy shares, and your money is managed by the company, as a result of which the prices of the shares rise. But as I already said, in 2018 the risks are high. If you decide to invest in some kind of mutual fund, you should not invest all your capital in them, but only some part. Mutual fund profitability ratings can be viewed on the following pages:

• //pif.investfunds.ru/ratings/
• //www.nlu.ru/pif-doxod-renking.htm

If you decide to invest money in a mutual fund, I advise you to carefully study not only the company itself, but also the market prospects, and also ask for plans, ask questions about the future of the market of managers and make sure that they are confident in their actions and know how they will act in different situations.

Mutual funds are managed by professionals, but even they cannot stop the fall in prices. In this case, you should not rush to sell shares. We need to wait until they rise in price again. In any case, in order to remain profitable, you need to invest in mutual funds for a long term of several years.

In order to earn money and be able to make money, you need to have solid capital.

For the most part, investments in successful mutual funds start from half a million rubles.

At the same time, you need to understand that it is safer to invest simultaneously in several different mutual funds. Also, for a successful investment you need to understand and understand the stock market, stocks and current state market, and other economic factors.

pros

A good mutual fund is highly reliable, as it is regulated by the state. In good years, profits can be up to 80% per annum. Limited risks depending on the specific conditions of each mutual fund.

Minuses

Lengthy process of transferring and receiving money. If you do not live in the city where the mutual fund is located, then investments will be extremely inconvenient (signatures, documents, transfers). Good mutual funds may have high minimum investment thresholds.

Art objects

One hundred percent return is not like that very rare in this free market. But to feel what exactly can have the greatest investment potential, only smart and tasteful investors can.

250,000% per annum

The most reliable investments are investments in famous artists of the last century. For example, Andy Warhol's painting "Lemon Marilyn" was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

Among contemporary artists, you should choose the most active ones, who regularly exhibit in galleries and are advertised in every way. Paintings by such artists can rise in price by 100-300% per year, while paintings by famous contemporary artists can be bought from 10-20 thousand dollars. It is worth saying that the main buyers of art are not amateurs and collectors, but financial market players.

Not all investors understand painting or artists, but this does not prevent them from making money from it. Such investors attract special consultants, who make an objective assessment of the asset, verify its authenticity, and accompany the buying and selling process.

pros

With a competent approach, they bring not only aesthetic pleasure but also high profits.

Minuses

Requires a high understanding of the market. Assets generally do not have high liquidity, unless it is a painting by Monet or Van Gogh.

Where to invest money on the Internet

Many people like to invest money in online businesses. With the advent of the Internet, there were various ways investing your capital. All income on the Internet is based on services, trade and advertising. There are people who invest money in websites for advertising or trading. Investors purchase or create a website for the subsequent sale of advertising or specific goods and services on it. The price for advertising depends on the level of the site, its traffic, subject matter, and other indicators.

The disadvantage of these types of investments is the rather low return. They are aimed more at preserving capital than at obtaining good income. If such returns are not for you, then in this article you will learn more profitable investments that allow you to receive higher profits.

Let me make a reservation right away: we will be talking about potential profitability here. Nobody guarantees you an absolutely stable profit. All investments are subject to certain levels of risk. And perhaps you can even get losses. But if you use several techniques, you can reduce the likelihood of losses and make a very good profit, according to at least significantly exceeding, for example, what bank deposits provide. But first things first.

The most profitable investment of money

Profitable investments in the stock market

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

Profitable investments in bonds

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

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

The most profitable are corporate bonds, municipal bonds are in second place, and OFZs are inferior to them in terms of profitability. In terms of reliability, it’s the other way around; the most reliable are OFZs, etc.

Profitable investments in shares

In our opinion, the most promising investment is. And although buying shares is considered a risky business and quite reasonable if you invest money for long term, such risks are reduced significantly, and over especially long periods they generally tend to zero.

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

If you buy shares for a long period, then, according to statistics, the price always increases. According to statistics, the Russian stock market is growing by about 18-25% per year. Of course it is average, designed for a period of 10-15 years.

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

Profitable investments in mutual funds

By buying mutual funds, you immediately become the owner of a whole package of shares (bonds) selected according to a certain principle. This could be, for example, only dividend shares companies paying traditionally high dividends. Or shares belonging to any industry: oil and gas, financial, electric power and others.

Profitable investments in ETFs

An alternative to mutual funds are ETFs. This is the most popular investment method among investors in the world.

For those who don’t know what an ETF is, I’ll briefly explain…. an investment fund buys various securities (for example, shares) in a certain proportion, and uses the purchased assets to issue its own securities, which are also freely traded on the stock exchange.

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

ETFs have the following advantages:

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

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

Highly profitable investments in PAMM accounts.

The essence of the account is that you give your money to the management of traders who make money on financial markets. Profit is divided in a certain proportion: 50/50, 70/30 or 80/20. Those. You get 80%, the manager takes 20% for the result. If you receive losses, the entire burden falls on your shoulders.

How much can you earn?

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

Advice. Choose several reliable accounts that have existed for at least 1 year and show an average annual return of around 30-50%. More aggressive accounts sooner or later “drain” or go into a deep drawdown of 50%. By investing money in several accounts, you protect yourself from losses; if one account goes negative, the profit from others will compensate for this loss and in total you will make a profit.

Investments in HYIPs

This type of investment is high-risk. It's essentially a game on a keg of gunpowder. You can lose all your money in one moment. However, for those who want to significantly increase their capital, this is quick way achieve this. capable of bringing 5-10% per month. You can double or even triple your investment in a year.

Advice. Invest a small part of your capital in HYIPs. And always withdraw your profits regularly. Never invest money in hype alone. Choose a few and spread your money over them.

Finally

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

Investments in stocks and bonds can provide you with additional income. We are talking about IIS (). I think an additional 13% in the form of profit will not hurt anyone. Profit is never too much.

Happy investing everyone!!!

Real estate, business.

Bank deposits

This is the simplest, most basic and reliable way of investing. You give yours to the bank under a certain percentage. Bankers “scroll” this money by investing in other financial instruments. For which you receive a pre-agreed percentage of profit.

For example, you invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but at 20% per annum. As a result, the bank returns your funds to you with accrued interest after a year, and pockets the remaining difference.

The advantage of investing in a bank is that you know exactly how much money you can get after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular deposit using a deposit calculator, and if you need to calculate the amount of overpayment on a particular loan, then use loan calculator.

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way of investing. In short, mutual funds are a collective financial instrument when investors’ money is invested in one large pot and then professional managers increase this one large amount of funds using various methods.

The funds of shareholders (as those who have invested their money in a mutual fund are called) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but managed. Any fool can just buy shares. The task of professional managers is to find stocks that have fallen in price at the time of purchase and are likely to rise further.

In order to determine this probability, technical and fundamental analysis, is being studied economic situation both in the world and in a particular region, news is monitored, as well as many other parameters that are too complex for the average person.

This is the essence of mutual funds, to save people ignorant of these issues from all these difficulties. if you have available funds and you don’t have the opportunity to trade on the stock exchange from morning to evening, then it’s easier to transfer this money to those people who are immersed in the topic of investing headlong and have extensive experience behind them. At least at the initial stage.

Further, as your experience in financial matters, you can start buying stocks, bonds and other investment instruments on your own. We will talk about this in more detail a little later, but for now let’s return to mutual funds.

Compared to other financial instruments, investing in stocks is more profitable in the long term, but at the same time it is also very risky.

Here you need to constantly keep your finger on the pulse, monitor the situation in the markets, so as to prevent the loss of capital in the severe fall of financial markets that occur during various crises.

To more clearly understand what kind of profit you can get from shares, watch the video “How to earn 678% profit on Sberbank shares.”

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are risk averse. It is very difficult to make a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, it is difficult to name this financial instrument profitable investment funds.

However, this does not mean that money should not be invested in bonds. The point is that it is not recommended to “keep all your eggs in one basket.” Experienced and successful investors always distribute their funds across several different instruments in order to reduce their risks.

Imagine, you invested all your money in shares, but after some time there was a crisis in the market and their prices fell. At the same time, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but will win on other instruments. But let's get back to bonds:

A bond is a debt security that confirms its owner’s right to receive a certain amount of money from the issuer.

And in order to understand how to correctly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from English.FOReign EXchange- exchange foreign currency) is a market for interbank currency exchange at free prices.

The essence of Forex is speculation with the currencies of different countries. For example, you bought 100 euros for 90 dollars. And after some time, these 100 euros were sold for 120 dollars. Thus, earning $30 on this transaction.

Forex trading is always ongoing currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state is not receiving profit, but the country must be supported somehow. Since Greece is part of the European Union (EU), everything in this country is bought and sold in euros.

Thus, the instability of the economy of one state influenced the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro relative to the currencies of other countries. It is on such movements that money is made in Forex.

This method of investing can only be called profitable if you trade Forex yourself, when you already have extensive experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune on Forex. But there are millions of those who tried to get rich from this and went broke. Draw your own conclusions.

Endowment life insurance

This method of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program for accumulating, preserving and increasing your capital.

If regular insurance simply pays you a certain amount if insured event, then in this case, if nothing happened during the entire period of the contract, you will be able to receive either the entire amount accumulated over these years, or receive monthly payment until the end of life.

OFBU

OFBU stands for General Funds of Banking Management. In essence, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing money in OFBU you have the opportunity to increase profits through wider combinations of investment funds. On the other hand, it is more risky.

There were cases when OFBU showed a profitability of 600% per annum. However, the main problem is that the activities of OFBUs are little regulated by law, which is why they are less subject to control, unlike the same mutual funds.

There are also cases where the short-sighted activities of managers led to the complete collapse of the OFBU.

More about activities general funds banking management you can read here: . On my own behalf, I will add that at the moment it is best to invest in OFBU such an amount of money that you will not mind losing if something happens.

Hedge funds

I’ll say right away that in our country this is a relatively new and not sufficiently developed financial instrument, which is available only to wealthy clients.

The minimum entry amount here ranges from several hundred dollars to a million. In the West, hedge funds are extremely popular.

Hedge funds do not have a clear regulatory regulation, which allows them to freely choose enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super-profits and colossal losses.

One of the most striking examples of hedge funds is the Quantum fund, whose founder is the notorious, who was able to make a profit of $1 billion in a day!

Structured (structured) products

A structured financial product is a complex financial instrument, which is issued, as a rule, by commercial and investment banks and is created to meet the specific needs of clients.

This financial instrument became especially popular during the crisis. After all, when you invest money in a growing market and constantly receive good profits, this is one thing, but when the situation in the markets is not stable, especially during crises, many investors try to find reliable ways to invest funds, which will give them greater profits than bank ones deposits.

The essence structural product It’s simple - part of the funds, usually 80-90%, is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst case scenario, to stay with your money and not lose anything; in the best case, make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

Although, again, what to compare with. For example, the most successful investor in the world, Warren Buffett, has provided his clients with about 24% per annum over the past 35 years. 24% per annum doesn’t seem like a lot, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal was a symbol of wealth and power, so it became the cause of quarrels, robberies, murders and even wars.

Gold should not be considered as the most profitable way investments, despite the fact that last years it has gone up in price a lot. The fact is that most often gold acts as a refuge for investors in difficult times.

When crises dominate the world, in order to wait them out, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis subsides, investors immediately look for more profitable ways to invest their funds. This is what causes gold prices to rise in difficult times. But then, the price of precious metals inevitably falls.

Real estate

Real estate has always been a profitable way of investing. Not only does real estate itself not depreciate in value and, as a rule, only increases in price from year to year. But real estate also allows you to receive passive income from renting it out.

True, there is one serious “but” here, which is the high cost of real estate. Essentially, this is an investment for wealthy people. This is why this method of investment should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

True, there are exceptions. For example, you can profitable investment to real estate at the stage of its construction. At this time, as a rule, there is no need to make full cost for housing and you can pay a certain part monthly.

Thus, if you have the opportunity to contribute the required amount and this will not affect the quality of your life, then you can safely look for suitable options. The fact is that during the construction stage square meter housing costs much less than later, when construction is completed.

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profits changes. The riskier a financial instrument, the greater the return it can bring. However, as well as a loss.

Each of these financial instruments has its own advantages and disadvantages. And under different life circumstances, it is worth choosing the best ways to invest. But, for myself personally, I have already determined the most profitable way To invest money– this is business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments are not up to you. They depend, for example, on the current market situation, on conditions determined by other people, on financial results specific company, from the actions of speculators, from marketers developing certain financial products.

Creating your own business is entirely yours.

Here you set the rules by which you will play. Here you decide what income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word remains with you, even if you decide to sell it.

In 2007, I opened my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressing salons, in which I installed a solarium, all the necessary accessories, appointed an administrator and began to earn money.

This business has many advantages. I will talk about them in the next issues. For now, I just want to draw your attention to the fact that this business has brought me good dividends. I received more than 100% per annum in a year.

It was a great challenge in which I was able to showcase many of my talents. Organizational skills, management skills, design talents, tested my advertising vision.

I regularly conducted various marketing studies, collected analytical data, conducted negotiations, looked for suitable premises - this is only an incomplete list of those areas in which I applied my knowledge and experience, or mastered new horizons.

When you work for hire, you don't have as much responsibility as in your own business. These are very different measures. Wage labor is someone else's. Your own business is your own. You are your own boss. You decide how and when you work and not work. You don't have to answer to anyone. This is fantastic condition.

By creating your own business, you feel like a creator, artist, poet. You create your own product or service. And only you are responsible for its quality. It was a very interesting period of life, when I had to worry a lot, rejoice, worry, stress, and enjoy what I had done.

Creating your own business is very strengthened my self-confidence. If before this event, I had many complexes, fears, worries, doubts, prejudices, then after I organized my business, they melted away like smoke. I'm stronger. I have become stronger. I've grown up.

Why am I saying this?

In order to convey to you the idea that by investing money in your own business, you receive not only material benefits in unlimited quantities, but also develop in many areas of life, including personal and professional growth.

It is unlikely that you will achieve similar results by investing in deposits, shares, mutual funds. Therefore, if you have Free money And you are looking for where to invest them, then think about starting a business.

If you don’t have free money yet, then urgently start leading in order to collect initial capital. I have a topic on this topic that will help you in the near future accumulate initial capital to create your own business.

Personally, I did not take out any loans from banks, nor did I borrow money from friends and acquaintances. Everything I invested in my own business was the result of my effective management family budget.

Now, I am already developing several businesses. It's very interesting and exciting. These projects bring me much more profit than when I was employed. These businesses bring me more money than bank deposits or some other financial instruments.

At the same time, I am completely “violet” about crises and everything that happens in the world.

This doesn't affect my income in any way. This does not mean that I do not work with other financial instruments. I have some of the funds in bank deposits, part of the funds is invested in shares of various companies, and I regularly purchase additional assets that interest me. There are also investments in mutual funds and pamm accounts.

I regularly monitor what is happening in the financial markets and, depending on the situation, make decisions about buying or selling certain products. Investments are a very interesting and large topic in which there are no limits to perfection.

Don’t be afraid to take risks, choose what works best for you, accumulate funds and financial freedom and independence will not keep you waiting long.

P.S. In conclusion, I suggest you relax a little and watch this breathtaking video. You have definitely never seen such stunning beauty before...

Video for dessert: Video that took first place in the world of extreme sports