• • Method No. 10 - Bank deposit
  • Method No. 9 - Precious bank metals
  • Method No. 8 - Purchasing securities on stock exchanges
  • Method No. 7 - Trust management, mutual funds and PAMM accounts.
  • Method No. 6 - Investing in someone else's business project
  • Method number 5 - Open your own business
  • Method #4 - Creating and owning your own website
  • Method No. 3 - Investing in real estate
  • Method number 2 - Engage in short-term lending
  • Method No. 1 - Investment in children’s education or self-education
  • A dubious way to invest small money: from 1500 rubles
• 4. Conclusion

This article will discuss ways to invest small amounts of money, which, as a rule, are available to the most ordinary citizen of our country. There is a misconception that investing is the prerogative of rich people. This is a misconception; almost every Russian can invest small amounts of money.

The expression “money must work” has become quite popular and modern, especially on the Internet. However, it is worth noting that although this expression is popular, only a few people put it into practice. The reason is that most people face certain obstacles and do not know how to overcome them or do not want to deal with them

The fact that you want to invest presupposes the presence of a certain amount of free funds and the absence of debts on payment cards, loans, and so on. If you still owe money to someone, then it is better to postpone investing - existing instruments, as a rule, will not give you income exceeding the interest rates on bank loans.

Most common problem - the presence of medium and small savings, because they are so small that it is difficult to invest them in a worthy and profitable business project.

Therefore, the question arises - where can you invest a small amount? Before answering this and other questions, it is necessary to create a solid basis for saving money.

We decided to compile the top ten ways in which you can invest a small sum of money, while not only saving savings, but also increasing them.

1. Accumulation of invested capital

You need to start saving the minimum amount 10% from your monthly income, even if it’s a couple of hundred rubles at the beginning. The amount may be more than 10%, but not less.

Even “funny” money at first turns into decent amounts over time. To save money, review your expenses and give up various luxury items and other non-essential expenses.

It will be wrong to deprive yourself of everything - you will not be able to hold out long enough. Read more about how to save and save your money in . There we described 10 ways to save money.

Saving money to start investing

A very correct decision There will be a transfer of part of the salary to various special piggy bank accounts (it may be worth opening a deposit), such services are often offered by modern banks. You don't see or have this money, so you're not tempted to spend it.

Also an important condition for normal investment work there will be the presence of “NZ”. Those. money covering your six months of expenses, the so-called “rainy day reserve”.

Each person may face temporary difficulties, non-payment of wages, illness or job loss.

2. Where can you invest a small amount of money?

Before investing money, you should always start by increasing your own knowledge on the subject. Study the concepts and terms in financial markets, find out what analyzes are applied to securities (technical or fundamental), find reliable sources of information on the Internet (perhaps books, diaries of private investors) and constantly refer to them.

Famous all over the world investor Warren Buffett I read over a hundred books on investing before I was 20.

3. Where to invest a small amount of money - 10 reliable ways

Let's look at the main ways you can invest a small amount of money, for example 500 thousand rubles. Let's start with the method that brings the most low income.

Method No. 10 - Bank deposit

This type of investment is very familiar to everyone. However, he ranks only 10th position, the reason is too low income. Although the interest rate often seems tempting, the reality is completely different. Bank rate very rarely exceeds the inflation rate by 3-5%, sometimes not even reaching these figures. Accordingly, the illusion of income is created.

But despite all of the above, bank deposits have some significant advantages. Two of them can be particularly highlighted:

• All deposits in the Russian Federation are protected state program deposit insurance. Therefore, even in the event of a banking collapse, the state will compensate for your losses. However, it is worth considering that sum insured does not exceed 1 4 00 000 rubles, this amount already includes interest.
• You save your time, and it is always worth a lot. All you have to do is bring the money to the bank and make a deposit, the financial institution will do the rest for you.

Method No. 9 - Precious bank metals

Small savings can be invested in precious banking metals. Often this includes silver and gold, in rare cases others are also found.

There are two ways to invest in precious metals:

• First, open an impersonal metal account (OMA).
• Secondly, purchase bullions of precious metals.

In the first case, the client does not “contact” directly with the metals, but in the second case, the client receives the ingots in his hands, using them as he sees fit. A significant advantage of purchasing bullion is that you can buy it in any weight, which in turn allows you to invest a small amount of money. Bar sizes start from 5 gram.

Method No. 8 - Purchasing securities on stock exchanges

The profitability from this type of investment is significantly higher when compared with bank deposits. But it is worth noting that acquiring such securities requires at least a little experience. Therefore, before taking on this type of investment, it is worth paying attention to at least minimal training.

And on top of everything else, an unstable situation on the stock market can contribute to the depreciation of shares of even very reliable enterprises.

Method No. 7 - Trust management, mutual funds and PAMM accounts.

This investment consists in the fact that the investor entrusts his funds to brokers, who combine the deposits of a large number of investors into one impressive portfolio, after which they use the invested funds at their own discretion.

Often these investments are used to stock exchanges and Forex. If we compare the purchase of securities and trust management, then we can say that the second method is much more reliable, due to the fact that your funds are used by professionals.

Method No. 6 - Investing in someone else's business project

Considering that we are discussing where to invest small amounts, this option is suitable for investing in small business projects.

However, a logical question arises: what will happen if the business project “ will burn out“or something will not go as planned?

IN in this case it all depends on how exactly the documents were drawn up. Basically, a “burnt out” businessman returns the money spent to the investor over time.

This may take from several months to several years. But it is worth remembering that the risks of losing everything are quite high. The reason lies in the fact that investor And entrepreneur, very often united by friendly or family ties.

Method number 5 - Open your own business

Although we can say that this is the most difficult option where you can invest small funds, but at the same time it is also the most interesting investment. In this case, the risk of losing savings is very high, but if successful, the novice businessman will be fully rewarded.

It is worth noting that own business will take a lot of effort and time from a novice investor. However, if you were unable to get your own business off the ground, the experience gained in running your own business will not be in vain. (We recommend reading -? Business ideas from scratch or without investment)

Method #4 - Creating and owning your own website

In a sense, this position is similar to the previous one. Your own website does not require a lot of investment. All you need is:

• invest in creating a website,
• pay for initial promotion (website promotion (SEO)),
• open a WebMoney wallet,
• register yourself as an individual entrepreneur.

However, it is worth considering that although all of the above will not require much money, you will have to devote more than enough time to this project.

See how to How to easily distinguish real ways to make money on the Internet without cheating from fraudulent schemes

Step-by-step plan from Andrey Merkulov

Dozens of ways to make money on the Internet in a variety of areas

Method No. 3 - Investing in real estate

During the collapse of the ruble square meters are becoming much more accessible. However, this investment instrument requires a professional approach.

It is also advisable to carry out investment activities with real estate at the very peak of the crisis. Only a pro can determine the very bottom. Enlist the support of such a person in your environment. In this case, you can ensure yourself the likelihood of the most profitable purchase.

Method number 2 - Engage in short-term lending

If the 8 methods described above are not suitable, or you have not yet made the final decision on where exactly to invest a small amount of your funds, then you can lend your savings to friends. But at the same time, it is worth considering that if you lend, even to your friends, at interest, you are breaking the law of the Russian Federation.

Worth special mention credit exchange WebMoney. Using this platform, you can issue a loan without breaking any laws.

The main direction on this platform is short term loans. The rates on such loans are quite good, but there is no guarantee of repayment.

Method No. 1 - Investment in children’s education or self-education

One of the most best investment where can you invest a small amount - self-education .

Investment in education always remains the most relevant and in demand. The reason is that neither age, nor profession, nor place of residence will hinder you. You will always have the opportunity to improve your skills or learn a new profession.

But it’s worth remembering that it’s best to get a diploma that you can apply in reality. When choosing a new profession, you should also take into account your attitude towards it, since it is always better to do what you are passionate about.

It is impossible not to mention investing in the education of your own children, which is also the most profitable and long-lasting investment.

Questionable method invest small money: from 1500 rubles

There are many different projects on the Internet that offer to invest money for high interest. We recommend that you treat such projects (hype, various “multipliers” of wallets, etc.) with caution and not trust them. Your task is where to invest and earn money, and not lose it. Therefore, make sure that the project (type of investment) is reliable and only then trust your money. We described one example of an incomprehensible method below.

Here is the text of a method that provides high income from investing. The essence and purpose of almost all of them is the same; they all work on the principle of a financial pyramid.

“Define for yourself an acceptable commission level for investment intermediaries. It could be 2% , and maybe 5% in some cases. Add the commission amount to the amount you plan to invest - this will be your initial investment amount.

If you carefully consider your options, you can find companies that will place your investments even without commissions.

Pay attention to hidden fees and read purchase agreements carefully. It is best to choose not only commission-free options, but also those that offer discounts for reinvesting the profits. This discount can reach 5%.

The main difference between these two instruments is that DRIP requires you to own at least 1 share of the issuing company, so for new investors, DSP is more likely to be used.

You also need to constantly look for new funds with a low entry threshold for investment. They usually use an automatic investment plan and withdraw a certain amount from your personal account for deposits automatically. This is a fairly simple and inexpensive way to create your own stock portfolio.”

Watch the video that tells you where you should not invest money in 2020

4. Conclusion

Let’s summarize the question: “where to invest a small amount of money?” Even if you have 500 $ , you can take advantage of all popular investment methods.

But in this case, we recommend that you pay attention to investing in mutual funds and mutual funds. stock and currency market. pay attention to index funds , which operate in the “broad” market. The return on such investments will be about 10% per annum. By choosing a specific fund, you will be able to invest funds in the future without additional commissions.

Don't rely on short-term price changes. This is the path to loss invested funds.

Allow yourself to invest heavily in securities a certain company can only be an experienced investor, while having a lot of other shares and investments to diversify possible risks.

So where is it profitable to invest your money to make it work? In this article we will look at 5 popular time-tested ways to invest funds

Hello, friends! With you is Alexander Berezhnov, entrepreneur and one of the founders of the site “HeatherBober.ru”

When writing this article, I relied on my experience, the experience of my friends, and also studied a huge amount of material and talked with major millionaire investors in order to give the most competent and detailed answer.

With this post I begin a series of articles on the topic “Where to invest money.”

Here we will look at both popular ways of investing money and “exotic” ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.

At the end of the article, I will tell you where you should NOT invest money so as not to burn out. So, let's go!

1. Principles of smart investing or what experienced investors look at

Here we will look at the principles that should be followed in order to get a higher percentage of your investments than the bank with almost the same reliability.

Why do I say that it’s almost the same? Remember the golden rule of investing?

Profit is always proportional to the risks that the investor takes on!

It may seem trivial to some, but the first thing you should start investing with is to purchase necessary knowledge. This means that it is best to invest your first money not in stocks, not in gold, not in a bank, but make an investment in yourself - it will pay off many times over. It is recommended to do two richest person in the world - Bill Gates and Warren Buffett.

Once you have the necessary knowledge and understanding of different financial instruments, the principles of their operation, expected profits and risks, you can move on to practice.

Principles of competent investment from the world's leading investors

Principle 1. Create a financial cushion

This means that without a specific financial base It is STRICTLY PROHIBITED to engage in investing. The only exception is a bank deposit, since it is more likely not an investment, but a savings instrument.

What is a financial cushion and how to create it?

Financial cushion- this is a six-month supply of money on which you and your family can live while maintaining your usual standard of living, without having other sources of income.

You can create such a cushion by regularly postponing financial income (salary) or by selling your existing property.

For example, if your family is used to living on 50,000 rubles a month, then you must have at least 300,000 rubles to start investing.

The exception when you can start investing money at interest without having a financial cushion is if you have passive income .

Passive income- a stream of money coming to you that does not depend on your daily efforts, such as renting out real estate, stock dividends, or profits from an existing business.

Principle 2: Diversify your investments

To ensure that your money works correctly, think about where to invest it in order to comply with the principle of diversification, that is, dividing funds among different investment instruments.

If you have become interested in the topic of investing, then this concept is probably familiar to you. In other words, this means " don't put all your eggs in one basket" If you have a basket of eggs and it falls, all the eggs in it will break and you will be left with nothing.

This will happen with your savings (savings) if you invest them all in one business (project) or investment instrument.

By the way, diversification involves not only investing in different financial instruments, but also in different sectors of the economy.

For example, if you invest money in the stock market, then try to form your investment portfolio * so that your money works in companies in different sectors.

Investment portfolio- the totality of all the investor’s assets. For example, if you have a bank deposit, stocks, real estate, business - all these instruments for making a profit from an investment point of view will be called your investment portfolio.

To make your investment portfolio as resistant to market changes as possible, invest 20% of your available funds in banking sector, 20% in oil and gas, 20% in manufacturing, and 20% in agricultural or food.

So, if one company (industry) begins to suffer losses, then the rest will “pull” your funds upward and will not allow your portfolio to sink.

Principle 3: Control risks

Risks- this is the main “problem” that absolutely all investors face.

Remember, before you invest money anywhere, think about how much you can lose and only then how much you can earn.

Unfortunately, beginners make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are rubbing their hands in anticipation of millions.

How do things work in practice?

But in practice, everything is different! Overestimating their strengths and experience, many people immediately try to engage in aggressive investing and lose money, instead of investing in more conservative instruments. So it turns out in the end that the greed of the friar ruined...

Investments are the same science as any other professional business, which means you need to evolve in this direction gradually, going from simple to complex.

Start with 100 or with 1000 dollars, and God forbid you invest large sums at once, especially in something you don’t understand!

The height of illiteracy here is to borrow money at interest and try to quickly “turn over” it in some “super profitable” way.

In 99% of 100, this ends in the loss of the entire amount and a credit burden that hangs over you like a sword of Damocles.

Don’t rush, because if you become an investment specialist, your future millions will not run away from you. On the contrary, if you rush and try to get rich instantly, then there is a high chance that you will never earn big money.

Principle 4. Attract co-investors

As you gain experience as an investor, you can invest money together to form investment pools. So you can get more possibilities- where to invest money so that it works with maximum efficiency.

For example, you have found a project or tool that you think is attractive for investment, you have available funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on an equal basis with you.

IN last years has become a fairly common topic PAMM accounts. In this case, investors transfer to trust management* yours cash professional financial asset manager.

Trust asset management- a type of financial and business relationship where one person or company transfers its money (property) to another person - a trustee.

At the same time, the manager cannot dispose of these funds or property on the right of ownership, but only has the right to use it to make a profit, a percentage of which he receives as a reward for successful management.

So several investors can create such PAMM account pool and transfer this amount to trust management, while investors assume all risks of losses in proportion to the invested funds.

Investors can agree with the manager of such an account (trader) that he stop working on the account if he receives losses in a certain percentage from the size of the account.

If we briefly summarize this investment scheme, we see that investors are ready to sacrifice, for example, 15% your money to potentially get 30% income.

Principle 5: Create Passive Income

Increasing your capital is very good, but no less important point What remains here is the creation of passive income from your investment activities.

Why is this so important?

If you understand my train of thought, you are guaranteed to take a fresh look at investing your money.

A good example

You invested 100,000 rubles and received 130,000 rubles a year later, that is, you earned 30% on the invested funds.

However, next time you cannot give a 100% guarantee that you will earn another 30% or more in a year. Considering that such profitability is much higher than banking, it means that the risks of this method are much greater.

You may even lose most or all of the amount if something goes wrong next time.

On the other hand, if for 100,000 rubles you could create passive income for yourself, for example the same 2,500 rubles per month, which also amounts to 30,000 rubles per year, then in this case, you can easily take out the same 100,000 on credit rubles and invest them more conservatively, so your asset with passive income of 2,500 rubles is a guarantee of the return of the new amount of 100,000 rubles borrowed.

In order to better understand how to create passive income and then create assets with its help, I recommend playing the game “ Cash flow » famous investor, entrepreneur and business coach Robert Kiyosaki.

By the way, here's what Robert Kiyosaki says about the importance of passive income:

2. What amounts can you start investing with?

You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.

If you have no money at all, then just start saving at least 10% from any of your income. This way you will form the habit of creating a financial reserve for yourself and as your income grows, your savings will increase proportionally. Money will work for you while you relax.

Everyone talks about saving money famous people, teaching success and proper handling of personal finances: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.

The fact is that many people, as their income increases, begin to spend even more and even take out loans, since they always lack money. It is called "We got to the good life".

Always control your balance between income and expenses, live within your means!

One of the most reliable and profitable ways to invest is opening a franchise business.

Do you want a reliable investment option? Take advantage of the offer from our website partners: become co-owners of a chain of Japanese restaurants.

The project is being led by Alex Yanovsky, a businessman with 20 years of experience who has launched many successful startups from scratch. At the time of writing, the Sushi Master franchise has 125 restaurants open in 80 cities and 8 countries around the world.

My friend Sergei opened a Sushi Master outlet in the island format in Maykop, investing 1.5 million rubles and after six months he had already recouped his investment. So the scheme works not only in theory, but also in practice.

In section No. 4, I will describe in detail how to competently open a business under this franchise by investing a very moderate amount in promising direction Catering.

Here's what Alex says about the benefits of starting a franchise business:

3. Where to invest money to make it work - 5 profitable ways to invest

Nowadays, many people are confused by various offers on where to invest their money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super course, after completing which you will become a millionaire in a week.

But in most cases, all these “magic pills” are nothing more than good way steal your savings.

Now we will look at classic methods that allow you to invest money in understandable instruments with predictable returns and moderate risks.

Method 1.

This is the most popular way to save money, but its returns are barely comparable to the country's inflation rate. So if you invest money in a bank and keep it there from year to year, then at best you simply won’t lose it; there’s no talk of more or less tangible earnings here.

Russia has now adopted a law that guarantees payments on deposits in 1,400,000 rubles in case the bank goes bankrupt. This applies to all banks that have an official license to conduct banking activities.

Previously, the insured amount was 700,000 rubles. That is, if you deposited your money in a bank and for some reason it ceased to exist, then the state will compensate you for your money if the deposit amount does not exceed the insurance amount.

Now in our country there are hundreds of banks with interest rates from 5% before 12% .

Historically, the most popular bank among our citizens is Sberbank, although here the interest rate on deposits is one of the lowest, but high branch network and the high reliability of the bank itself allow it to remain a leader in terms of deposit volume.

Pros and cons of investing money in a bank deposit

Pros:

• high reliability (low risks);
• high liquidity (the ability to return money at any time);
• minimum threshold for investment (you can start with 1000 rubles);
• simplicity and clarity of the investment instrument.

Minuses:

• low interest on deposits;
• loss of interest at early withdrawal money.

Method 2. Stock market and mutual funds

Part financial market, where people or companies can purchase stocks, bonds, futures and other securities.

If you have free funds and want to get more income than in the bank, but take on relatively large risks, then the stock market will be a good tool for you.

To start investing in securities, you just need to contact a bank or specialized brokerage company, which deals with stock market operations.

Personally, I recommend two well-known brokerage companies for this: Investment Company Aton and Brokerage house"Opening". You can safely invest your money in these companies so that they work and not be afraid of losing it.

They have offices in many cities.

By the way, speaking about the stock market, it is worth noting that there are different types of investors based on the duration of investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities over a short period of time: from a few minutes to a few weeks.

There are medium-term investors, they buy shares for several weeks or months. There are also long-term investors, usually they act on the “buy and forget” principle - they invest their money in securities for several years, assessing the potential of the company and the industry in which it operates.

The last type of investor is investment guru Warren Buffett. Once he was asked when he should sell the shares he bought, and then Buffett replied that he would never! This is his concept of long-term investing.

You can manage your investments yourself or entrust this matter to a professional manager (trader).

There are also special funds where you can invest - mutual funds.

mutual fund- mutual investment fund. This financial institution which independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.

Based on the results of a certain management period, you are accrued interest according to the size of your share.

But if at the end of the year you definitely receive more from the bank than you invested, then your profitability here may be negative, that is, the fund may work at a loss.

Pros and cons of investing money in the stock market and mutual funds

Pros:

• a small initial amount for investment (from 1000 rubles or even less);
• interest at the end of the reporting period is usually higher than in a bank;
• big choice investment instruments(stocks, bonds, futures, options);
• the opportunity to receive dividends;
• the opportunity to independently create an investment portfolio, choosing a flexible balance of risks and expected returns.

Minuses:

• the relatively greater complexity of the investment process compared to a bank deposit;
• relatively large risks (you can get a loss);
• in certain cases, special knowledge is required (when independently managing an investment portfolio).

Method 3. Forex (foreign exchange market)

Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy some monetary units for others, for example dollars for euros.

Speculative traders make money on Forex, most of them make trading operations within the day.

After all, we want to find out all the ways where to invest money so that it works, and Forex will help us with this. After all, here you can quickly increase your capital several times in a couple of months. In a popular article on our website, I already talked about my experience of trading on the stock exchange and how.

Indeed, you can make a lot of money on Forex. However, this comes with huge risks and you can lose your investment capital in a matter of minutes.

Now a large number of companies offer Forex trading services. Such companies are called Forex brokers.

Be careful when choosing a Forex broker. Since now there are many companies that do not bring your trading transactions to the real foreign exchange market and you just play on your computer trading program like in a casino (of course, losing your money).

Before you start engaging in this method of investing, read customer reviews, go to the company’s office, make sure it is reliable and serious.

Pros and cons of investing money in Forex

Pros:

• low entry threshold (usually from $100);
• the opportunity to earn a lot quickly and a lot;
• a large selection of investment instruments (currency pairs for trading).

Minuses:

• requires special technical skills and knowledge to invest;
• very high risks.

Method 4. Bitcoin (Cryptocurrency)

You can make a lot of money here, but you can also lose money if you don’t follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages: decentralization, anonymity, security, limitations. This means that Bitcoin is not controlled by any state and, thanks to limited emission and growing demand for cryptocurrency, its price will only increase in the future. Buy Bitcoin by favorable exchange rate you can - this service is not only an exchanger, but also a crypto-wallet where you can safely store cryptocurrency.

Method 5. Real estate

One of the classic investment tools when a person with money wonders where to invest his money.

You can purchase both residential and commercial stealth. Naturally, commercial real estate provides more income than residential real estate, however, it requires more knowledge for its competent purchase.

In addition to buildings, real estate also includes land, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but this method of investment is also not without its disadvantages.

Pros and cons of investing in real estate

Pros:

• the opportunity to rent out real estate and receive passive income;
• the opportunity to sell real estate and make money on the difference between the purchase and sale prices;
• a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
• Due to the fact that real estate is a material (tangible) asset, it can be used for one’s own commercial or non-commercial needs, for example, one can open a business in the premises, or one can live in residential real estate.

Minuses:

• high entry threshold (usually from several hundred thousand);
• low liquidity (cannot be sold quickly without a significant loss of market value);
• subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money if it is damaged or lost).

Method 6. Own business

If you have an entrepreneurial spirit and some commercial experience, then one of the best decisions for you would be to invest money in your own business.

Simple example:

Resale of Chinese goods with a large markup (300-800%).

You can buy goods in bulk from China or from a wholesale supplier in a major city and start selling them online. Often this scheme is also called “Business with China” - a very profitable and promising direction in RuNet.

Our site team is personally acquainted with a successful entrepreneur in this topic, Evgeniy Guryev. Zhenya not only has been running her business successfully for a long time, but also teaches others how to do it.

If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months, contact Evgeniy and he will guide you by the hand on all issues of creating a successful business selling Chinese goods.

Be sure to check out the reviews from the married students to get inspired by their success stories:

Yes, there are also certain risks here, but you can manage them flexibly, because in this case you decide for yourself where to allocate certain funds in order to get the maximum return from them.

It is especially effective to invest money in your own business if it is already operating, and your new investments will help the business generate even greater profits.

Pros and cons of investing money in your business

Pros:

• you manage your money yourself, building and optimizing business processes (as a business owner);
• for business projects it is quite easy to find co-investors, which helps to attract larger sums than if investments were made alone;
• It is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risks of losing money;
• low liquidity of most assets (it is impossible to quickly sell equipment, goods, etc. without a significant loss of value);
• loss of a share in a business project (in case of attracting co-investors).

4. Sushi Master franchise business - invest money profitably

Owning your own business from scratch is a rather risky undertaking. This requires solid start-up capital, an original idea and well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a predetermined payback period and guaranteed profitability.

The chain of Japanese restaurants has its representative offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business comes from the Russian market.

Franchising is one of the leading activities of the Sushi Master company. The company's promoted product is a predictable business with a proven and effective structure.

The owners hand over the finished model to their partners; the latter can only comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.

Franchise payback period: 5-18 months depending on the region of location, the chosen format and other objective factors.

The algorithm for opening a Sushi Master franchise branch is as follows:

1. Submit an application on the official website of the company.
2. You pay a lump sum fee - at the time of writing this amount is equal to 400,000 rubles.
3. Take a training course at a training center in Krasnodar.
4. You receive the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
5. Together with the franchise owners, you choose a location for the restaurant, calculate the return on investment, and receive the support of the start-up team.
6. You open a restaurant.
7. Together with your team, bring the project to a stable profit.

You and your team will calculate the total starting investment individually. Cost range: from 1.3 to 4.5 million rubles. The opening period of the restaurant is from 3 months.

The advantage of this model is that it is guaranteed to work. All possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a participant in a successful business, which has already paid off more than 100 times, brought and is still bringing profit to its owners.

Co-owner of the company Alex Yanovsky is the founder of his own School “Business Behind Glass”, a successful entrepreneur whom I know personally. I have not the slightest doubt about his honesty, as well as about the profitability of the franchise.

The risks are minimal, and the support of the training center under the leadership of Alex Yanovsky is continuous and constant. At your disposal is the experience of successful businessmen, professional equipment, and proven marketing technologies.

The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Catering establishments in street format or “island” format are in demand and popular - these are the options we offer to our partners.

5. Where you should not invest money so as not to burn out

You should not invest money in obviously losing enterprises - casinos, illegal and morally unacceptable projects.

These include criminal types of business: trafficking in drugs, weapons, contract goods, the organization of brothels, front companies that launder money, as well as fraudulent schemes in the real estate sector (corruption in construction, eviction of lonely old people and re-registration of housing).

To live in peace, engage in honest and socially acceptable ways of earning money, then you will gain not only financial freedom, but also spiritual harmony.

6. Conclusion

In this article, we looked at the fundamental principles of investing, recommendations from the best investors and experts in business and finance, and also got acquainted with the most popular ways to invest free money.

In the next part of the article “Where to invest money,” I will talk about less common and at first glance not obvious ways to increase your capital.

And if almost everyone knows about bank deposits, the stock market and real estate, then for example, few know how to create good passive income for themselves by investing money in their own Internet projects.

Dear friends, I hope that now you have figured out where to invest your money so that it works and brings you profit. After all, you are the one who can become rich and earn millions.

I wish you successful investments!

Where is it more profitable to invest rubles in a crisis so as not to lose your savings - recommendations from experts + TOP 5 most profitable investment directions today

Have you thought about your financial future and how you can manage your savings wisely so that your money can work for you? How to become an investor? Where to invest money to receive monthly income and how exactly to do this? Where is it better to invest money profitably with a guarantee? Where is it profitable to invest money to make a profit? Where to invest money in 2020 and specifically in Russia. These questions concern many Russians.

So, you started to think about where it is better to invest money for passive income in order to make a profit, that is, you decided to start investing. This is a wise decision and you need to understand the main thing, we repeat again:

• how to become a craftsman investor in the face of great competition;
• what is the best, most profitable and where to invest money in 2020 to receive monthly income. For this and for everyday needs, you may need BLACK card
• what stocks to invest in in 2020
• and other important issues...

T INKOFF INVESTMENTS + BONUSES ⇐ by registering using the bonus link and purchasing shares for 10,000 rubles. you immediately receive 500 rubles.

It is possible to send an application to debit card to receive your earnings on it:

We will try to help you solve these and many other questions using our website and this article. We would like to remind you that no one starts their investing career as an expert, and even the best investors in the world were once in the position where you are now. And some large investors are still not very well versed in such a product as “securities”. Therefore, knowing “where and how to effectively invest money” will be useful for both beginners and those with experience.

Good investing doesn't happen by accident. People work a lot on this and learn how and where to invest money at interest without the risk of losing and with a guarantee of earning money. It is very convenient that today investment operations can be carried out online at home. Right now you can register for good site , where it is convenient to study companies and legally buy their shares. But, before you go there and register, read this article to the end, otherwise you will become a failed investor. And only then study the investment platform mentioned above (blue link ⇑) and how to register on it,

Before studying the answer to the question: where is it profitable to invest money in 2020? It is important to learn 8 conditions that must be met in order to become the best investor in the Russian economy.

Once you start learning, try not to stop. We will briefly explain what is possible and what is not in this article. But you must expand your knowledge further and find other articles and even entire books on this topic.

Where to invest money to receive monthly income - skillfully and with great competition

To understand where to invest money in order to receive a monthly income - skillfully and with great competition, first study your behavior using the points below and your finances. And at the end of the article, follow the link and see where it is better to invest money by buying shares of companies (we will also mention other methods). So, 8 conditions that must be met in order to invest money not to lose it, but to increase it.

1. Impartiality

The best investor does not think: “Where successfully To invest money". "Lucky" means a happy occasion. The best investors rely not on chance or luck, but on knowledge and a plan. Those who rely on chance tend to worry about “lucky or unlucky.” U best investor everything is stable, he is confident of success and for good reason. What is needed for this?

Remember that only a dispassionate person can make rational decisions in the face of great stress. And the possibility of losing or gaining something (especially big money) is necessarily associated with stress.

Our site offers advice that is applicable to the general population. But to determine how applicable these tips are to your needs, your budget, and most importantly, your psychology (can you manage money without stress)? I don’t know this, and neither do the experts. Only you, or if you have your personal financial advisor, can determine whether the advice applies to your situation.

For example, many highly profitable work with TINKOFF INVESTMENTS + BONUSES ⇐ by registering using the bonus link and purchasing shares for 10,000 rubles. you immediately receive 500 rubles. Find out more about this by following the above link to the article about the investment platform. ⇑(opening an account on the exchange 0 ₽).

8. From what means to invest money in order to receive income.

Never use for investment or to invest money in shares what is necessary for your living and your family’s living. Eliminate all risks. And if there are no reserves, but you understand that investing for the future is very important for you, then earn money specifically for this, without compromising primary expenses (family needs).

If you save every month specifically for investments, you can save up for good investments. A credit cards use only as an additional tool, but not the main one. In the meantime, study stable companies on the investment platform, which we wrote about at the beginning of the article, see.

Good luck with your financial decisions.

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

What you need to know about investments?

Where is the best place to invest money?

What should you know about where to invest your money profitably?

Investing money is always a risk.

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

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

What a person investing for the first time needs to consider:

You should not invest all your savings in one place.

The investment must be in mandatory documented.

This is a mandatory measure that will allow you to get your money back in unforeseen circumstances.

Pay attention to deadlines.

If you wish to receive your funds earlier than the period specified in the contract, you may lose the accumulated interest.

Consult with friends and relatives, find out where is it profitable to invest money.

10 ideas where it is better to invest money

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

The best ideas where you can invest your money:

Suitable as additional method saving and increasing funds.

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

Income from mutual funds is average, but stable.

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

Real estate.

Investing in real estate is the best option.

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

It is also possible to rent an office.

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

In order not to lose money, you need to draw up a clear, as detailed plan as possible, weigh all the pros and cons and choose the business that suits your liking.

Shares and securities.


Over a long period of time - about 5 years, the invested money grows many times, however, in order not to lose funds, you must have some experience in trading securities and have at least minimal financial knowledge.

In order not to get burned, you should choose a manager who will do everything necessary.

Metals: gold, silver.

To purchase bars and coins, you need to contact Sberbank of Russia.

You can also purchase gold-backed securities by visiting stock exchanges.

The investment is highly effective, but it should be borne in mind that when selling gold bars subsequently, you will have to pay a tax of 13%.

Own website.

The investment in creating a website is not too high and is completely worth it.

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

Venture fund.

Venture funds today are considered a worthy alternative to others financial instruments.

The investment is worth it, but you need to wait a few years to see a profit.

Own development.

A person who wants to increase his capital and earn big money should never forget about his own development.

Investments in this case are made in education, appearance, knowledge of the world - travel, seminars and trainings.

A multifaceted educated person will always find his place in the world.

Art.

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

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

When deciding whether where is the best place to invest money?, you need to calculate all the possible developments of events.

In order not to lose all your investments at once, in the event of negative developments, it is recommended to invest money in several different directions.

The question of where to invest money most profitably worries, as a rule, those who are unfamiliar or poorly acquainted with the principles of increasing profits and investment methods.

Advice for those wishing to invest their money:

1. It is necessary to think about saving and increasing funds in those periods when everything is in order with finances, and the payment of a large debt is not hanging on your nose. Panic sometimes forces you to take the wrong actions.
2. Within six months, you should accumulate an amount that will be deposited in the bank at interest. The larger the amount, the more you will ultimately be able to withdraw from the account.
3. Always strive for financial freedom. Do not reassure yourself that today everything is fine and nothing more is needed.
4. If you have children, think about their future right now. You can open a savings account in the child’s name and put money into it until they reach adulthood.
5. Once every three to four months, create new source additional income.
6. The most effective ways investments remain the same from year to year. These are real estate, investments in precious metals, and stock markets.
7. Gold is most liquid in bullion rather than as numbers in a brokerage account. It is best to invest in gold indices on the stock markets.
8. You should only use the stock market as a means of investing and growing your capital if you are confident in your financial knowledge and abilities.
9. It is best to think about securing your future at the age of 20-30. However, due to inexperience, you should seek the help of specialists so as not to lose your investment.

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

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

Main rules of investing:

Reinvestment.

The funds received through investment should not be spent immediately.

They need to be invested in other projects, leaving them for necessary expenses some percentage of the profit.

Don't invest your last money.

If you invest everything you have in your wallet, you may be left without any means of subsistence.

The main rule of successful investment is to act wisely, and investing all your last funds is a crazy act.

Care when concluding transactions.

Read all documents, request a contract and consult with specialists.

Investing money “in different baskets”.

One project will bring money earlier, another much later.

To always make a profit, you need to calculate the funds and distribute them across different baskets - deep and lower.

Where is the best place to invest small amounts of money during a crisis?

you will learn from the video:

Where is it profitable to invest money - features of investing in real estate

Real estate transactions are more popular today than investments in mutual funds and funds.

Many people purchase housing at the stage of its development at a minimum price, and subsequently resell it, receiving a good percentage.

However, there are several pitfalls in this matter and the risk of running into an unscrupulous developer.

To get the most out of your real estate investment, you should purchase one and two-room apartments, but not three-room apartments, since they sell less well.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are best left to local residents.

Selling an apartment in the capital will be very difficult.

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

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

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Nobody objects that there is no such thing as extra money. But it happens that free funds appear. This could be a pleasant inheritance, a large bonus, or a well-worked project. For some, this will be a reason to spend it with pleasure, while others will think about how to save this money, or better yet, increase it. Let's try to think about where to invest money in 2020 to make money. To correctly answer this question, let’s get acquainted with the concept of “investment”.

Basic terms

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

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

In terms of time, investments can be:

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

Investment portfolio is a collection of all types of investments in various instruments that make up the investor’s assets. For example, investments in deposits, bonds, real estate, business.

Types of investments

The problem of choosing investments for individuals It’s not that there aren’t enough offers. It’s just the opposite; there are a lot of offers for investing money, even if you ignore the not entirely legal and fraudulent options when they offer to increase the amount several times over a short period. But there are options that are under state control, which guarantees compliance with laws and not the use of money in criminal schemes.

Such options can be divided into risky investments and low-risk investments. Based on the level of risk, you can immediately judge the profitability; they are directly related. If you want to make more profit, you will have to take more risks. Let's look at some well-known and popular types of investments.

Investing in your education

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

Bank

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

Real estate

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

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

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

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

Bonds

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

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

Stock

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

There are two ways to make a profit from shares:

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

Investments in shares have high risk, especially when trading in stock markets. For such operations it is necessary to have appropriate knowledge and experience, as well as resistance to stress. At the same time, investing in shares can bring high profits.

Currency market

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

Cryptocurrencies

The ability to get a quick and large profit can only be rivaled by the Forex market, where profits are sometimes calculated in several hundred or even thousands of percent. Accordingly, the risks here are higher than in other markets. Working with cryptocurrencies is complicated by the fact that the status of this financial instrument remains a controversial issue throughout the world. Emerging scandals and bans greatly affect the already unstable rate of cryptocurrencies, turning the market around and devaluing existing assets.

Management companies

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

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

mutual fund

Mutual investment funds specialize in professional work with stock markets. For people who are ready to take risks, but have no experience in stock trading, Mutual funds are a good alternative to brokers. Here you can buy small shares, but it is better to distribute the invested money over several shares, in which case the risk will significantly decrease. The cost of shares is affordable to almost everyone, because it starts from 1000 rubles. Such a contribution will not bring a lot of money, but it will allow you to gain not very expensive experience.

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

IIS

Individual investment accounts created in 2015, became an indicator of the state’s interest in enhancing investment activities population. Opening such an account for a period of three years allows you to receive tax benefits in the amount of 13% for an amount up to 400,000 rubles. That is, simply opening such an account allows you to receive 52,000 rubles in three years by saving on tax deductions.

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

Venture funds

Already in their name, these investment funds speak of risk. The English word “venture” is translated as “risky undertaking.” The activities of such funds are based on financing innovative projects. Moreover, it begins at an early stage, then projects are developed for several years. The effectiveness is not very high; usually 20-30% of developed projects are successful. But even these percentages are enough to cover all costs and make a high profit.

In Russia, venture capital investment is currently still at the development stage. To enter such projects, fairly high amounts are required: from 100,000 in rubles, from 500,000 in dollars. Potential profits start at 40% and can exceed 1000%. But, of course, loss of invested funds cannot be ruled out.

Business

A great way to invest money, sometimes very small ones, to increase it, is to open your own business or become a business partner. There are many possibilities for this. People who can do things better than others are still in demand. Opening workshops for repairing equipment, sewing clothes, selling handmade goods, with the right approach, can be the beginning of a successful business. No one argues that organizing a business will require more time and effort than opening a deposit, but the return will be greater.

In our time, the Internet provides excellent opportunities for starting a business and attracting investment in it, where the number of potential clients and buyers is unlimited. You can open online stores, advertise the services provided, engage in wholesale trade. Franchises are a good option for starting a business. When you can buy the right to organize an already operating business, all stages of its creation and the requirements for the quality of products or services are specified. In this case, risks are reduced, and the opportunity to receive the necessary assistance allows you to make a profit in a fairly short time.

Where to invest 100,000 rubles

If we talk about an example with a specific amount, we get the following options where you can invest money in 2020:

1. Bank deposit with guaranteed low income.
2. Investing such an amount in real estate is only possible for the option of renting an apartment and then subletting it.
3. Buying bonds.
4. Transfer to trust management to a management company on the terms of a personal broker, purchase of mutual funds or creation of an individual investment account.
5. Opening an account with a management company for independent work in the stock or foreign exchange markets.
6. Investing in venture funds.
7. Opening your own business independently or in partnership.

Review of management and investment companies

The choice of management companies is one of the main components of successful investments. To make your choice, it is most convenient to focus on the ratings of operating companies. They can be compiled according to different indicators. To determine the reliability of a company, it is worth basing it on the size of its assets. The profitability rating of the proposed financial instruments gives a reason to decide how profitable such investments are.

Currently the leader in terms of assets Management Company Sberbank, whose assets make up 30% of the entire market. The three include Alfa Capital and VTB Capital. If you look at the ratings for mutual fund profitability, the leader is last month is the company URALSIB with a mutual fund yield of 3.66%.

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

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

Ways to reduce losses

No one is immune from the risk of losing part or all of the money invested in most investment methods. You need to be prepared for this. Therefore, the most important thing for an investor should be that the money invested is free. They can be used different ways without reducing the investor's standard of living.

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

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

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