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 others 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, the economic situation is studied 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 who are ignorant in these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is 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, this financial instrument can hardly be called a profitable investment.

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 the right of its owner to receive a certain amount from the issuer. sum of money.

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- foreign currency exchange) 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.

In Forex, trading always takes place in 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 department you can read here: . On my own behalf I will add that in this 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 is 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 pay the full price 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 at the construction stage, a square meter of housing costs much less than later, when the 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 a 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.

Many who have available funds want to invest money to make it work. It is important that the income received exceeds the inflation rate. At the same time, every investor wants the risk to be minimal. There is no way to avoid this situation without studying modern investment options.

Before you begin to analyze and compare investment options, you should remember a number of rules. They help you invest your money as efficiently as possible. Below are some expert tips that can help you avoid most investing problems.

1. You can only invest free money. In other words, the amount that can be invested is defined as the remainder of the income after paying basic payments and needs. You should also not risk your own money, borrowed or on credit. If you don't follow this rule, you can end up in a difficult situation. financial situation. There are known cases when investor families were left without a livelihood. In addition, there is a risk of loss of funds, which will lead to the inability to pay the loan. The result may be a damaged credit history.
2. You should not expect that you will immediately be able to provide for yourself by receiving passive income. Most likely, at first it will be too small to ensure a comfortable existence. Therefore, at first, most of the funds earned will have to be reinvested, that is, used to increase the invested capital.
3. It is mandatory to draw up investment plan. It must clearly indicate all the parameters of investing money. First of all, such a plan must fix which investment options will be carried out and in what proportion. At the same time, it must be flexible enough and easily adapt to changing conditions.
4. In order not to lose all your invested funds, risks should be diversified. That is, you cannot invest all your capital in one investment project. It is best to choose at least 3 suitable options. The likelihood that three projects at once will turn out to be unprofitable is small. With proper analysis, at least one will bring profit.
5. It is important to constantly monitor the money invested. Regular monitoring of the situation allows you to make the right decision and also adjust financial plan if necessary.
6. You should not get involved with dubious projects that promise huge profits. In this case, there is a high probability of encountering scammers, which means losing your invested funds.

These simple tips help even novice investors enter the financial investment market wisely. Don't forget that investing is also work. Without regular analysis of the situation, it is unlikely that you will be able to make money.

Top 10 most profitable investments in 2020

Instability economic situation leads to the fact that the profitability of investment products is constantly changing. It is important to calculate everything possible options and coordinate them with the prevailing circumstances in the country and the world. In search of an answer to the question of where to invest money profitably in 2020, experts have compiled a rating of the best options.

Investments in the development of small businesses (Alfa.Digital platform)

For those who decide to start investing with an amount of 100 thousand rubles or more, investing in small businesses through specialized platforms is excellent. Most often, such options are offered large banks. They develop investment products. By investing money in them, the owner of the funds essentially lends to companies selected by the bank.

Despite the fact that the risk in this case falls entirely on the shoulders of the investor, it can be noted that it is relatively low. This is due to the fact that the money invested is distributed among a large number of organizations.

An excellent example of a platform that offers to make a profit in this way is Alfa.Digital, organized by the bank of the same name. The following investment conditions are offered here:

• yield up to 30% per year;
• payments are made once a week with accrued interest;
• The minimum investment amount is from 100 thousand rubles.

Investments in P2P lending

The P2P lending service allows you to invest almost any amount. In essence, it is a so-called social loan. Both the borrower and the lender in this case are private individuals.

This option represents a very profitable investment. The interest rate on P2P lending is about one and a half percent per day. True, about half of them will have to be paid to the service that provides intermediary services.

Those looking for P2P lending services can explore two interesting portals - Vdolg.ru and Loanberry. The first site accepts investments ranging from 4 thousand to 10 million. This amount is enough to invest money and receive monthly income. Loanberry allows you to start investing in loans to individuals from 1000 rubles with interest from 20-30 percent per annum. Moreover, now there is such a function where, for a fee of 5%, you can connect insurance against default, when the site takes over the payment of the debt in the event of a borrower’s default.

Investments in Forex (foreign exchange market)

Many people have heard what Forex is. However, not everyone understands that it is not limited to independent trading. To make money in the foreign exchange market through trading, you will need a significant amount of serious knowledge. In addition, without experience, it is unlikely that you will be able to make money by trading independently.

However, you shouldn’t refuse to invest money in Forex; just choose one of two popular methods:

1. PAMM accounts are a specific type of transfer Money in the management of professional traders. In this case, you can invest even a small amount. It is determined solely by the conditions of the selected PAMM account.
2. Those who dream of making Forex transactions on their own can use social trading systems or copying the transactions of professionals. In the first case, based on the opinions of experienced traders, forecasts of market behavior are made, which help beginners make the right decision. When copying trades, you should choose a trader you trust so that you can learn about all the trades he makes.

When opening positions independently, the investor has more opportunities to reduce risk. This is explained by the fact that if there is no confidence in a particular forecast, you can refuse to conclude a deal. In PAMM accounts, all decisions are made by the manager himself.

Investments in startups

Investing in a startup is a profitable investment that can bring significant profits if successful. A startup in the financial world is a business project or idea that is at the initial stage of development. It is quite natural that even the most best projects need an infusion of funds for their implementation. However, not all idea owners have available funds. Therefore, they are forced to seek help.

It is unlikely that you will be able to get a loan for the development of a project from a bank. This is due to the lack of confirmation of the profitability of new projects. Investors who prefer to invest in promising projects at their inception stage come to the aid of beginning businessmen. The main difficulty of investing in startups is that it is very difficult to determine which project will be profitable and which will bring a loss.

Investing money in mutual funds

A mutual fund or mutual investment fund is a promising investment that can be classified as a type of collective investment. Investors (in this case they are called shareholders) purchase part of the fund’s property, called a share, and wait for its value to increase. In fact, such investments must be long-term, in which case the probability of making a profit is the highest. The advantages of mutual funds are:

• high degree of protection from the state;
• no need to have special knowledge;
• low entry threshold - the cost of a share starts from two thousand rubles.

Profitability mutual fund depends on the investment strategy he uses. There are moderate, conservative and aggressive funds. In the order in which they are transferred, profits increase. But do not forget that the risk is directly dependent on it.

Experts recommend that if an investor, when choosing where to invest profitably and safely in 2020, has given preference to mutual funds, choose for investment funds that invest the collected funds in the field of IT technologies. Today they are the most promising. In addition, such mutual funds have the best combination of profitability and risk.

Investments in investment or savings insurance

Investment and endowment insurance represent a combination of profitable financial product with insurance. When signing an investment insurance contract, the client receives a number of advantages:

1. guaranteed return of 13% from the state due to tax deduction;
2. investment returns due to the management of your money by an investment or management company;
3. opportunity to open a deposit for more long term than regular deposits.
4. Free life and health insurance;

Endowment insurance allows you to solve two problems:

• protect yourself in case of financial problems;
• accumulate a significant amount of money through effective management in cash.

Investments in securities (Through IIS)

Those who decide to invest in stocks and bonds should open an individual investment account. This can be done by contacting brokers or a management company. Most often on stock market investors make money in one of two ways:

1. Independent trading involves opening transactions solely on the basis of the investor’s own knowledge. In this case, it is unlikely that you will be able to make a profit without experience and certain skills.
2. Copying the strategies of experienced managers. Such profitable investments, for example, is offered by the company Finam. It is implemented using the Trade center service. It is enough to choose a strategy and connect to it so that all transactions made on the professional’s account are transferred to the investor’s IIS.

Investing in real estate

This method requires the investor to have a fairly large amount of money. The amount of capital depends on the region and the type of property purchased.

In order to make a profit, you can purchase both residential and commercial real estate. There are several options for making a profit with this method of investing:

1. purchase of real estate for the purpose of subsequent rental;
2. purchase for resale.

In the second case, you can increase your income by buying real estate under construction or purchasing dysfunctional or granny flats and selling them after renovation.

It is important to remember that the sale of real estate that has been owned for less than five years results in an obligation to pay income tax.

Bank deposits

Deposits have recently lost their popularity. This is explained by a decrease in interest rates. Nevertheless, they deserve attention. Despite the fact that this option is not a real way to earn money, if you invest money at interest on a deposit, you can reduce the impact of inflation. Deposits are suitable for those investors who do not have sufficient financial knowledge, as well as large capital.

A deposit can be opened even for small amounts - many banks offer to conclude an agreement for one thousand rubles or even less. For many, the determining factor when choosing a deposit is the interest rate. Due to the current deposit insurance system in our country, choosing a bank has faded into the background. In search of where it is more profitable to invest money, you should pay attention to the programs offered Tinkoff Bank. The stakes here are always at a fairly high level.

Investments in microfinance organizations

Investments in microfinance organizations allow you to invest high percent equity. In this case, you do not need to have any additional knowledge and skills.

However, this option is not suitable for everyone. Most companies set a fairly high minimum entry threshold. Traditionally, it is at the level of one and a half million for individuals and 500 thousand for legal entities.

Thus, there is no universal answer to the question of where it is better to invest money. The decision must be made for each case separately, focusing on the available amount, as well as the desired risk and return.

Greetings! This year cannot be called boring and predictable: neither for Russia nor for the world financial markets. Indices in both Russia and the United States grew beautifully; over the past 10 months, my portfolio has grown by 20 percent.

What's next? How to preserve capital in a situation of high uncertainty? What to invest in in 2019-2020? For convenience, I divided the instruments by goals: not to lose, to make money on the growth of an asset and/or and to receive income in foreign currency.

Here I included tools with almost 100% reliability. “Almost” - because . All three assets only partially compensate for losses from inflation!

Bank deposits

If your investment horizon is too short for risky assets, you don't have much choice. You will also have to abandon your ideas, so the only thing left for you is banal bank deposits.

If you need to try to save your capital primarily from yourself, your loved one, then it is better to open time deposits, without the right to replenish and withdraw (for example, the “Save” product from Sberbank). Such deposits always offer the maximum interest rate. And they are prohibited from withdrawing part of the deposit until it is closed.

The main thing is not to forget about the “limiter” in the form of 1.4 million rubles in one bank. This is exactly how much (and not a penny more) the Deposit Insurance Agency will return in the event of bank bankruptcy.

Reliable bonds

If you have a slightly longer horizon and a slightly higher financial IQ, you will probably be interested in these debt securities. Judge for yourself: the risks of bankruptcy of the state are much lower than the risks of bankruptcy of any one bank, even a large one. Plus, bond yields are almost always higher than bank deposits.

By the way, are you aware that with the money that you leave as a deposit, the bank almost immediately buys bonds and thereby earns the difference in interest without risking anything?

Bonds are considered the most reliable federal loan. Their repayment is guaranteed by the government of the Russian Federation. But it is better to form a bond portfolio from. Fortunately, the symbolic cost of the bond (only 1000 rubles) allows this.

You can only advise something specific if you know your specific investment plan, so below I will give a couple of papers that I think are interesting.

For example, OFZ-PK are bonds with a variable coupon. The coupon size is tied to the average RUONIA rate and is revised from time to time. OFZ-PD fixes the coupon size at a constant level (for example, 6-7% per annum) until maturity.

But I think the most interesting option in 2019 is . The face value of such bonds is constantly indexed to the inflation rate (calculated using the index consumer prices for each day with a lag of three months). For OFZ-IN, the coupon is 2.5% per annum above inflation (CPI).

Gold

Stock

Unlike bonds, stocks are instruments with potentially high returns. Experts believe that in 2019 the MICEX index will further increase, the Central Bank will continue to reduce key rate, and oil prices will rise. Against this background, many Russian “giants” have good growth potential.

To make a profit in the future, today you can invest in securities exporting companies: ALROSA (excellent company performance for last year), Protek, NLMK (Rosneft is not on the list of recommended companies). Analysts advise paying attention to the shares of LUKOIL and Sberbank, which were undervalued last year (even though it grew very strongly, its p\e is still low).

Some are betting on the rise of electricity companies that have floundered in the past year. The shares of Rosseti and IDGC of the South are of particular interest.

The main idea and advice is to pay attention to companies with growth prospects and.

The sector looks more promising than others abroad high technology: Facebook, Alphabet, BYD Company, Google, Amazon, Netflix, NVIDIA and others.

Own business

Owning your own business is a profitable but very risky option. Initial capital is needed from the first day, and the return on investment can be obtained, at best, in six months to a year. Or not get it at all...

To avoid risking large amounts of money, start with an online project. Firstly, a lot of problems like renting an office, warehouse and logistics disappear. Secondly, the starting amounts here are much more modest than for opening your own.

To receive passive income

Real estate

Real estate generates passive income only when “ square meters» are for rent. But you shouldn’t count on millions in profits from renting out ordinary residential premises.

I provide data for 2016 from think tank S.R.G. The average return on residential real estate in St. Petersburg is 7.7% per year (return on investment is 14 years). In Moscow, the average yield is lower: 5.8% per annum with a payback period of 17 years.

Real estate abroad brings even less - up to 5-6% per annum. In some cases, it is better to delegate the decision of all organizational issues to a professional management company. She will look for tenants, resolve issues with current repairs and payment, etc. For this she will have to “donate” 15-20% of the rental price. But - real passive income!

On the other hand, if you have an apartment for rent, you can try to rent it out on a daily basis (via AirBNB, mainly to foreigners) and thereby increase your yield to 10-12% per annum with good occupancy.

To receive income in foreign currency

Of course, to receive income in foreign currency, you can simply buy shares or. This way you will partially eliminate the risk of being left with nothing if the ruble collapses again. But there are other ways.

Eurobonds

Eurobonds boast all the advantages of ruble bonds. Plus they have additional protection from currency risks. After all, that’s why they are “euro”, because they are nominated in foreign currency: dollars, euros, Swiss francs And British pounds sterling.

Today, Eurobonds of such companies as AHML, Alfa-Bank, VTB Bank, Gazprom, LUKOIL, MTS, NLMK, Novatek, Russian Railways, Rosneft, Sberbank, PhosAgro and Uralkali are presented on the Moscow Exchange.

The average yield on Eurobonds is 3-5% per annum (paid twice a year). The minimum denomination of a security starts at $1000. The main problem with such securities is liquidity. But more about this some other time.

Unit-linked programs

I have already discussed unit-linked programs. Let me remind you: a foreign product combines savings, life insurance and investments.

Moreover, you can invest in a bunch of foreign instruments that are not available to private investors from Russia. For example, in the same mutual funds, where entry thresholds through a broker often start at $50,000.

By the way, since 2013, the Moscow Exchange has been successfully trading, which covers a fairly large part of the markets previously available only through foreign brokers.

For some of them, the average annual return from mid-2014 to mid-2016 (in ruble terms) was about 50%. For example, FinEx MSCI USA Information Technology UCITS ETF (shares of the US IT sector) grew by 49.8% per year.

And here foreign currency deposits today they bring mere pennies (up to 2% per annum). And no one is considered as a serious investment tool anymore.

In this article I have presented only some of the tools available to the average investor from Russia. Remember that only by collecting these kinds of assets can you be sure of achieving the challenges you face!

What assets do you plan to invest in in 2018-2019? Subscribe to updates and share links to fresh posts with your friends on social networks!

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 2020, compare their pros and cons, conditions and benefits!

Where to invest money - Startups

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

Profit in this form 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 a very high percentage, despite the fact that with 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. At the 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 account for the reporting month brings 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.

Minuses

After five years of investing, I still haven’t found any downsides. This is a great opportunity to have.

Investing in the Stock Market

If money is put in a bank for safekeeping, then it is invested in the stock market to benefit from it. 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 Tomorrow starts sales of a new series of 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 managed to rise slightly 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, the minimum investment is only $25.

Minuses

High profitability is associated 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. There are different ways to invest in stocks 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 other exchanges with the broker (minimum deposit to open an account is $250). 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.

There are more than 1000 shares in different directions, for example Adobe, Electronic Arts, AMD, Ford and so on.

I really like trading with the broker, I have been working with this broker for many years and above you saw an example of a transaction from the options department of this broker.

Now I will show you an example of a stock transaction. In order to buy shares, I went to trading platform, selected Ferrari shares and pressed the button BUY:

A little later, Ferrari shares rose in price, as did my profits:

At this moment, the profit is still floating, as it depends on the stock price, which continues to change. To make a profit in your account, you need to sell the shares, that is, close the deal, which is what I did:

Now my account has been credited with profit in $73,2 :

It must be said that the broker’s assets include not only shares, but also everything currency pairs, indexes and commodities, energy resources and others.

pros

Shares can provide good returns, benefits and can be a long-term investment.

Minuses

The market can be unstable and needs to be constantly analyzed. Although portfolio investment are quite stable even in times of crisis.

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.

Investments in the foreign exchange market

Unlike the previous option, the Forex market is poorly suited for long-term investors. For many people, the Forex market has negative associations, but this is in vain, since it is in this market that all the money in the world is collected. And as a rule, where there is money, there are problems. Big and unregulated money has given rise to many schemes, but today the market continues to operate at full capacity.

I can’t help but consider Forex as an investment tool, even short-term (2-8 weeks). Even with a small amount you can earn money here large percentage profit, but not everyone can do this, since it is necessary to analyze the economy, politics of countries, and monitor the situation.

For example, after analyzing the Japanese economy, waiting for a good moment - a new decision on rates, new program development... you can open one deal for 2-8 weeks and make a good profit.

I view Forex not as short-term and quick trading, but as more rare and long-duration transactions that can bring a large percentage of profit.

By the way, large traders, banks and organizations work on these principles.

pros

A lot of freedom, a large selection of assets, the availability of information is the same for everyone, low initial amounts.

Minuses

The market can be unstable and needs to be constantly analyzed.

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.

For me, gold (as a physical material) is still a dead asset, uninteresting. It cannot be controlled; it is illiquid.

A few years ago, Warren Buffett sold all his gold assets and was right. I believe that in 2020 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 since 2017, mutual funds dealing with gold have 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. You should not count on a large percentage of 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.

Where to reliably invest money - Bank deposits

Today, the most popular way for Russians to save money is to invest in 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

Shares Investment Funds They 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 in 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.

The return on these deposits is not high; many mutual funds often experience losses. For some reason, I never liked such organizations, at a time when now anyone can open foreign publications, look at the portfolios of successful people and buy shares of the same companies. This gives you a lot more freedom.

• //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.

I would call ETF shares (exchange-traded funds) a good alternative. These are foreign analogues of mutual funds, only instead of shares, their maturity dates, withdrawal of money... here they are just shares. You can buy shares of the fund and sell them at any time.

pros

A good mutual fund is highly reliable, as it is regulated by the state. In good years, profits can be up to 40% 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 only smart investors with good taste can sense what exactly may have the greatest investment potential.

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.

The payback period for an online business is approximately one to two years.

If you invest $60,000 in two projects, then in 2 years you can make a profit of 80-100 thousand dollars.

Nowadays a very popular topic is creating websites for affiliate program Amazon and the like. Websites are made in English, Spanish, French and other languages, for countries with high solvency. By posting a short post about a new product or interesting find on Amazon or another online store, you can easily interest locals.

You need to invest in developing a website or theme for WordPress, Joomla or another blogging platform. It is necessary to analyze the niche and collect key requests - payment for SEO services. Next, for these requests, you need to order copywriters to write articles in the desired language. It is important to check the copywriter with another person - an editor; they usually take 10% of the cost of the article. Best suited for promotion social media- Facebook, Instagram or depending on the country.

pros

A successful project can quickly pay for itself several times over and continue to generate profits for the rest of the time.

Minuses

Investments in websites can only be made with a full understanding of the matter, preferably with participation.

Where to invest big money - Real Estate Investments

Let's start with an example. There is a villa in Greece that is rented out to tourists. The villa is large, beautiful, with staff. The approximate original cost of the villa is about a million dollars. It rents for 4,000 per week (8 people). Quite affordable for the company. They clean every day, the villa already has food and a dozen bottles of alcohol, a heated pool and jacuzzi, a children's playground, a sea view and much more.

Why, having a villa worth a million, rent it out for 4,000? After all, half will definitely go to personnel, maintenance, taxes...

Net earnings per month are approximately 8,000, per year 96 thousand. It turns out that the payback period for the villa is approximately 15 years, which is very good for real estate. At the same time, the value of the real estate itself is also rising.

It often seems that real estate is rented out cheaply relative to its value, but it is actually profitable. Especially when it is passive and reliable income, where it is not scary to invest really big money.

Investments in real estate are quite conservative but profitable, especially during times of crisis and depreciation of assets. It is especially profitable to invest in real estate in major cities, crowded places and resort areas.

Investing in real estate requires a large capital investment, which not everyone has. But you can start small: invest in the early stages of construction. Once completed, the value of the building will increase significantly. Real estate can also be quite small, for example a garage, which will not require huge investments.

• Residential Properties. The price of real estate is growing regularly, and this fact is an indicator of high profitability from. In the residential sector it is better to prefer small one-room apartments which are in high demand among the population.
• Commercial real estate. Investments in commercial premises bring stable income. There may be warehouses, offices, shops, beauty salons, etc.
• Overseas real estate. Investors buy foreign real estate and then rent it out. This is also not a bad investment method.

When purchasing any kind of real estate, you need to consider many factors:

• Location
• Proximity to bus stops, schools, kindergartens, etc.
• Facilities
• Availability of parking and many other nuances.

Most people associate the words “investment in real estate” with the goal of saving money, not multiplying it, so it is important to initially approach this issue very responsibly, to analyze the selected object not from the consumer’s side, but from the investor’s side.

pros

Reliability, large selection of offers.

Minuses

Profits are not high, and a minority have free money to invest in real estate.

Investments in franchises

This method of investing money has a controversial reputation among businessmen, but it has a number of undoubted advantages. In order to organize your own business, you need serious financial investments, extensive knowledge in the chosen field, marketing research and high-quality advertising. However, there is no guarantee that the project will be successful.

Purchasing a franchise in this sense eliminates many problems - after all, the franchisor has already done all the research, developed technologies, invested in advertising and earned the necessary reputation and customer base. All that remains is to pay him and use the ready-made work. In fact, in this case the investor acquires ready business, which has already been debugged before him, and he himself can only deploy it in a new place.

This kind of investment requires quite serious funds, since most franchises do not begin to make a profit from the first day, and, accordingly, require certain financial investments during the period of formation and development. In addition, the costs of purchasing a franchise of a large chain can be quite high.

It is also important to understand that it is unlikely that you can simply forget about such investments - an institution, even opened in this way, will in any case require control from the founder. However, despite all the disadvantages, such investments allow you to ultimately become the owner of a business that generates a stable income.

Where to invest money in 2020?

Everyone must decide for themselves where to invest money, because there can be no advice or instructions here. If you like the idea of ​​investing, then invest only in the area that you like best and in which you see a future. Investments can bring good results, the only important thing is to start.

Where do you invest your money?

A bank deposit (or bank deposit) is money deposited with a credit institution (bank) in order to receive income in the form of interest at the end of the deposit’s validity period.

There are many types and conditions of deposits. There are time deposits and demand deposits. In the first case, the deposit is made for a certain period and can be withdrawn in full without loss of interest only after the expiration of this period. Demand deposits do not have a shelf life and are returned upon the depositor’s first request, but the interest on them is significantly lower.

The deposit is an understandable and relatively reliable investment.

Opening a deposit is easy. You don’t even have to leave home to do this: many banks allow you to open deposits through mobile app or your website. Of course, to do this, you first need to become a client of this bank.

The main advantage of the deposit as a type of investment free funds is insurance coverage of the Deposit Insurance Agency in the amount of 1.4 million rubles. Within this amount, you can confidently place your deposit in any bank that has a license from the Central Bank of the Russian Federation. If the bank fails, the state will return the money along with interest on the day the license is revoked. By the way, since 2014, more than 300 banks in Russia have had their licenses revoked, and their depositors certainly suffered.

The disadvantage of a contribution is that compared to an individual investment account it provides fairly modest opportunities for increasing funds.

Individual investment account

Individual investment account (IIA) - a type of brokerage account or trust account of an individual, opened directly with a broker or with a trustee (for example, in a bank), for which there are two types to choose from tax benefits and certain restrictions apply.

The concept of “individual investment account” was legislated on January 1, 2015. IIS can be opened as individuals- citizens of Russia and people who are not citizens of the Russian Federation, but live on its territory for more than six months a year.

The maximum amount that can be initially deposited into an IIS is 400,000 rubles. During the year, the account can be replenished with an amount not exceeding 1 million rubles.

The big advantage of IIS is the possibility of obtaining a tax deduction.

It is paid in the amount of 13% of the amount invested for the year, but not more than 52,000 rubles. That is, with both 400,000 rubles and 1 million rubles, you can return no more than this amount. This option is suitable for you if you have permanent job and the employer pays taxes for you. There is another option - to choose tax exemption.

The main disadvantage of IIS is that, unlike a deposit, it is not insured by anyone. However, if you open it in reliable bank(has been operating on the market for a long time, is in the top 20 rating of Russian banks, there is no reorganization regarding it) and choose the right one investment strategy, then you can earn significantly more. In addition, to take advantage of tax deductions, an investment account must be opened for at least three years, during which you cannot withdraw funds.

How much can you earn on a deposit and IIS?

Let’s compare how much you can earn if you make a deposit of 100,000 rubles and open an individual investment account for the same amount.

Return on investment

The weighted average interest rate on deposits for a period of one to three years in Russia as of September 2017 was 6.83% per annum. If you calculate income based on this interest rate, then in a year it will be 106,830 rubles. By reinvesting this amount, after two years you will receive 114,126.5 rubles, and after three years - 121,921.3 rubles. Net income - 21,921.3 rubles.

Profitability of IIS

Strategy 1: investing in government bonds

Having opened an IIS, you can invest in such a reliable instrument as federal loan bonds (OFZ), the issuer of which is Russian Federation represented by the Ministry of Finance of the Russian Federation. The yield to maturity of OFZ-26205 at the end of November 2017 was about 7.3%. Taking into account a tax deduction of 13%, the return on investment will be 20.3% in the first year. And over three years (the account is opened for a period of at least three years), the average return will be about 11.6%. As a result, in three years you can get 138,504 rubles. Net income - 38,504 rubles.

Strategy 2: investing in corporate bonds

Another reliable and quite profitable strategy is investing in corporate bonds, the yield on which is slightly higher than on OFZ bonds.

For example, these could be bonds of Gazprom Capital and Rosneft. The average yield on the bond portfolio of these companies at the time of writing is 7.97%. If you put 100,000 rubles on an IIS and, as a result, receive a tax deduction for one year, then after three years we will get an average figure of 12.3% per annum. By the end of the third year, the account will already have 141,020 rubles. Net income - 41,020 rubles.

By the way, for individual bond issues of these issuers coupon income will not be taxed starting in 2018.

Strategy 3: Investing in stocks

The biggest income can come from investing in stocks. However, this is also the most risky instrument for investment, because even if the shares of a company have shown growth over the past periods, this does not mean that this trend will continue in the future. Experienced investors are advised to invest money in several types of shares at once, so that the fall in the shares of one company can be compensated by the growth in the shares of another company. This is called portfolio diversification.

The most proven investment is blue chip stocks - securities of the largest, most liquid and reliable corporations. Among Russian companies These include shares of Gazprom, Sberbank, Alrosa and others.

If at the beginning of 2016 you had invested 100,000 rubles in equal shares in ordinary shares If you consider the three largest Russian corporations - Gazprom, Sberbank and Lukoil, the average return on shares of which at the end of 2016 was 43.93%, then in just one year you would earn 43,930 rubles. To this amount add a tax deduction of 13,000 rubles. It turns out that in just a year you would earn 56,930 rubles. However, growth over three years is much more difficult to predict.

Bottom line

The deposit is suitable for more conservative and cautious people, probably of the older generation. Opening investment accounts is for riskier people. This is not just a fashion trend, but a good opportunity to make money.