For people who want to open or find new sources of income, there are many business options available in 2016. You can, for example, open your own business and collaborate with, the director of which you yourself will be, if you have the means, or find other cities. There are many opportunities open, but it all depends on your preferences and starting capital. You can invest money in the development of your own business, or you can become an investor or investor.
Advice: Whatever method of earning money from an investment you choose, do not rush to spend the profit received. If you start investing it in development, your business will flourish, and you will get a lot more money. And profits will grow.
Where is it profitable to invest money in 2016?
Russia is going through a crisis. And given this crisis, it is necessary to approach the issue of investing money as seriously as possible, especially if you have large sum. Stock markets are a field full of risks, and business may not always be profitable. So which is better to choose?
Bank deposit in rubles and foreign currency
This is one of the simplest and most reliable ways to increase your finances. Moreover, the most profitable for you will be a replenished deposit and a deposit with interest capitalization. You will replenish your amount, and accordingly, your interest earnings will increase significantly. And when interest is capitalized, your earnings will themselves increase your final income. If you invest a significant amount, it will not be superfluous to insure your deposit, and then even in the event of bankruptcy of the organization you will not be left without money. But it's not that simple. You will have to face the choice of bank and tariff choice. Experts recommend contacting one of the five most reliable banks:
- Sberbank.
- Rosselkhozbank.
- Gazprombank.
- VTB 24.
- Alfa Bank.
Purchase of real estate
Another very profitable investment. IN major cities the cost of housing is unlikely to decrease much. Unless, of course, there is a global flood or a volcanic eruption. Therefore, it is not only profitable, but also very reliable. Moreover, you can choose any real estate: from apartments and dachas to office space. Besides the fact that your money will not lie idle, it can serve you well. After all, the purchased premises can be rented out, and this will bring you good passive income, and such property can be sold at any time and often for more than the purchase price.
Investing in precious metals
In 2016, gold prices are close to their minimum. Expert Rodinkova believes that this will be a profitable purchase for those who plan to work in this direction for a long time and invest a lot in it. You can safely invest in gold, silver, palladium and platinum. Purchase and storage in this case occurs only through banking system and capital gains are unfortunately slow.
Purchase of securities
Main types valuable papers Bonds, Eurobonds and shares are considered - you can invest in them for a long time. Buying shares is quite risky. And the more reliable the investment, the more expensive the securities will be. Experts call the risk of storing such documents an undoubted disadvantage. With bonds in rubles and euros, not everything is simple either. In the current crisis conditions, metamorphoses are continuously occurring with Russian and foreign currencies.
Internet projects
Due to the convenience and benefits of working with the Internet, investing in Internet projects is becoming increasingly popular. In this case, in all options you can earn money with minimal investment. So you can:
- Create your own website as the foundation for your business;
- Financing of the finished project;
- Opening an online store.
Investment in business
There is no need to say much about the fact that investing in your own business is a very profitable business if it is successful, because it is obvious. Of course, like any other investment, it is risky. But if you competently develop a concept and business plan, in consultation with experts in this field, you can ensure a comfortable future for yourself for many years to come and, perhaps, provide it not only for yourself, but also for your children. Even if your starting capital is small, there are many funds that can help you. Firstly, you can open a business together with someone else. Secondly, a business does not necessarily need a lot of funds. There are a lot of business ideas with minimal investment. Such as, for example, breeding, growing vegetables, fruits and mushrooms, home consultations, making original ones and much more. , oddly enough, can also be made at home.
Advice: Since any investment (no matter what you choose) carries considerable risks, weigh the pros and cons. Think about whether you want your money to work for you and earn passive income, or whether you would like to develop as a businessman. In addition, a beginner should not open a risky business as soon as he has the money for it. To begin with, it is better to invest in a reliable and proven project.
Which mutual funds should I invest in in 2016?
Some people familiar with the stock markets prefer to invest their money in mutual funds (UIFs). Now in Russia the following types are found on the stock market:
- Securities mutual funds;
- Index funds;
- Industry funds;
- Real estate and mortgage funds;
- Venture funds;
- Funds of artistic values;
- Money market funds;
- Credit and rental funds.
Which of these mutual funds will be more profitable to invest in in 2016? The most reliable investment would be an investment in a bond mutual fund. But you can earn only 9-10%. Investing in a mutual fund of shares will be riskier. But at the same time, in this case, the greatest benefit awaits you if the risk is justified. In this case, income can increase to 5-100% of the deposit. It should be noted that during the year the value of shares will both rise and fall. You will need to be prepared for this. You can invest in industry mutual funds, but in this case you will need knowledge in economics. After all, you will need to understand which industries will grow and develop. And in this case, your risks will bring you good profits. Funds can also be open and interval. In the first case, you can invest money and withdraw it later at any time, and in the second, you can redeem the shares only once in a certain period of time. Most often this is once a quarter. Mutual funds also differ in the method of management, which can be either active or passive. If you choose the active method, then you must have certain knowledge and qualifications in this area, but you will also receive more profit than when choosing a passive method. But if you choose passive way, then even in case of an error it will not make you lose much. You can purchase mutual funds as follows: management company, and its intermediaries: investment companies, banks and other financial organizations.
Where to invest a million rubles in 2016?
So, it is difficult to say whether the amount is large - a million rubles. For a person earning no more than 20 thousand rubles a month, perhaps a lot. But for someone who sees this million every week, not very much. But in any case, to get good income this amount will be quite enough. But where to invest a million rubles? Today, experts offer several common methods, some of which have already been mentioned above:
- Make a deposit in a bank;
- Invest money in bonds;
- Invest money in stocks (the same risky method that is not recommended for beginners);
- Mutual funds;
- Trust management. The bottom line is that you give your money to specialists who will multiply it. After that, all you have to do is track the results of their work. There are companies that promise a profit of 50-80% in the first year, but in the second and subsequent years they can receive a loss of 20-30%. It is better not to mess with such people and choose those that guarantee a stable income of 10-20%;
- Business projects.
Advice: If you have accumulated a large amount of money, do not rush to invest it entirely and put it into circulation. First, consider whether it might happen that you will not have enough for something if you invest all your money for a long time. And secondly, especially if you are a beginner, try to choose the least risky investments with your million. For example, in real estate. You can also divide the money and make contributions to several authorities.
So, you can invest a million in any business you like, and it is not at all necessary to invest with great risks. The business that will suit you best is the one that will guarantee you a stable income and the least amount of hassle. Experts believe that this will be the best investment.
Which currency is better to invest in in 2016?
A year ago, Russia was rocked by the dollar-euro boom, when everyone fell asleep with one exchange rate, and woke up and saw such a rate that they could think about vision problems. And people who had previously invested in foreign currency earned very good money. But what to do now and in what currency can you store your rubles? Financial analysts still suggest keeping your funds in the form in which they will be spent, that is, in rubles in the territory Russian Federation. And if you choose foreign currency, then which one is better? In fact, if we talk about dollars and euros, during any crisis or market collapse they remain at approximately the same level relative to each other. However, the dollar still has an advantage, because this currency is more popular. Financiers claim that the dollar exchange rate will jump in 2016 in the same way as in previous period boom Therefore, you need to be careful and not buy/sell currency during periods of these same jumps. And there is no need to panic either. Over time, the picture will level out, and you will not incur large losses.
In some banks you can now do this multi-currency deposits. According to experts, this profitable proposition for 2016, and this will be the way out in today's situation for foreign exchange market. At the same time, you can use them to open a deposit in rubles, dollars and euros. The disadvantage of such an investment can be considered quite low interest rates, so to get a significant income, you will have to invest a fairly large amount.
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2016 is a year of crisis, risks and losses. But even in such conditions, you can earn a good basic and additional income with both minimal investments or no investments at all, and with large ones. And income can be both active and passive. Which one you like best is up to you to decide. But it is worth noting that in most cases the most income deposit- into active work, and the most reliable - into passive work.
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Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂
There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀
In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest your money.
You will also learn about where you should not invest your money so as not to lose it!
And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍
Regardless of what amount of money you are going to invest: small or large, this article will be as useful as possible for you!
In addition, you will learn:
- What investment options are there, what are their returns and which one should you choose?
- Where can you profitably invest money on the Internet?
- How to invest money correctly so as not to burn out?
- And also about where it is better not to invest your money!
Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉
1. What is important to know about investments?
First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.
No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (such as government bonds or bank deposits).
You should always remember this, because investments can bring both profit and loss!
Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.
Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.
But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉
In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:
- profitability,
- risk,
- payback period,
- minimum investment amount.
We will also consider all the pros and cons of each investment option.
Third to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.
For example, you can distribute it like this:
- conservative portfolio (bonds, real estate, precious metals...) - 50% of all funds;
- moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
- aggressive portfolio (foreign exchange market, cryptocurrencies...) - 20% of all funds.
❗️Important:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!
On the contrary, many people strive to receive maximum income, but at the same time completely forget about the risk. And as a result, due to greed, they are left with nothing.
Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.
And if you have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.
Read this article to the end, because at the end of the article you will learn about other important rules of investing!👇
2. Where is the best place to invest money in 2019 - TOP 15 profitable investment options
So, let's finally look at the options and decide where you can profitably invest your money so that it generates income!
Option #1: Bank deposits/savings accounts
DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 6% to 8%.IN last years deposit rates have been falling steadily and will likely continue to fall in the future.
How to make money on stock growth - Google example
In 3 years, Google shares have grown by more than 100%!
For these purposes, the so-called “individual investment accounts"(IIS), which, for example, can be opened in Finam or BCS (and even in the same Sberbank).
☝️In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay income taxes! Such preferential terms were developed by the state to support and develop investment in the country.
But naturally, there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!
The biggest risk for stocks (for those who bet on their growth) is financial crisis! The rest of the time, shares generally grow steadily and show good profitability.
Alternatively, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:
- RTS (50 largest companies in Russia),
- S&P500 (500 largest US companies),
- NASDAQ (100 US high-tech companies).
If you do not want to invest personally, then there is an option to entrust your money to professional managers. But I will describe this in detail below.
CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| 15-100% per annum (change in share price + dividends) | depends on strategy | 1-7 years | from 5-10 thousand rubles |
| (⭐️⭐️⭐️ - medium/high) | (⭐️⭐️ - medium/high) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) With minimal/moderate risks you can get relatively high returns. | (+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold. | (- ) Knowledge required. Uncontrolled risk and “flirting” with the market can lead to significant losses. | (- ) In the event of a crisis, shares can seriously and quickly fall in price. |
Option #4: Bonds
DESCRIPTION: Where do you think the big banks invest their money? Mainly in bonds! Yes, they provide a small income, but with a high guarantee and reliability. Especially if you take government bonds.Along with bank deposits, bonds are considered one of simple tools for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.
For those who don’t know, a bond, simply put, is an IOU. They can only act as borrowers as large companies, and the state.
? By the way, Sberbank and VTB24 recently began selling national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .
I agree, not very much, but the rate is certainly better than most available on this moment bank deposits. Moreover, in the future, deposit rates may decrease.
You can also consider bonds of large, reliable companies - their rates will be higher! For example, on Sberbank bonds the average yield is approximately 9,2%-12,2% per annum (depending on the term).
At the same time, you can invest large amounts of money in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.
I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.
Bonds, just like shares, can be purchased through an individual investment account (IIA) without having to pay income tax (if you purchase them for a period of more than 3 years).
CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 7% to 15% per annum (for risky ones from 30% to 100% and above) | depends on bonds (for government bonds - very low) | 7-12 years | from 10 thousand rubles |
| (⭐️⭐️ - medium/low) | (⭐️ - low) | (⭐️⭐️ - medium/low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income. | (+ | (- ) Relatively low yield compared to stocks and some other assets. | (- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less confidence in it. |
Option #5: Forex
DESCRIPTION:
Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).
Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles per 1 dollar, and you sold dollars.As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).
You can trade on Forex either yourself or give money to professional traders to manage (this will be discussed in detail in the next section of the article).
When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.
It is important to note that when trading in person, you need to follow proven trading strategy, otherwise trading will most likely turn into a casino and lead to a sad result known in advance.
But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to strategy, then you can actually make good money on Forex. But this needs to be learned!
Although you can start on Forex with minimal amounts - from $1, you still need more or less serious investments (preferably from 100 thousand rubles), since even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be that big.
In my opinion, one of the most effective strategies for trading day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!
Among reliable brokers you can choose, for example, Alpari or RoboForex.
CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore riskier. However, with skillful investing you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 100% per annum and above | depends on the strategy (initially has high risk) | 1-7 years | from 100 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If you have an effective strategy, you can get high returns. | (+ ) Low entry threshold and accessibility. | (- ) High risks, especially for beginners. You can lose significant money in a short time if you don't manage your risk. 99% of beginners lose their money. | (- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period. |
Option No. 6: PAMM accounts, PAMM portfolios, trust management and structured products
DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading on financial markets(stock markets, Forex, oil, gold...).
That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.
All you need to do is distribute the initial investment amount into parts (preferably at least 5-10) and invest in different managers.
For example, the Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.
At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.
⭐️ About profitability!
The income here can be quite acceptable - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!
PAMM accounts and PAMM portfolios for investments must be assessed based on at least 3 parameters:
- account/portfolio age,
- past profitability,
- funds invested by other investors.
For example, here is one of the most popular PAMM accounts on Alpari:
PAMM account “Lucky Pound” and its profitability (click to enlarge)
💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.
However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.
Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been generating losses over a long period. This is the whole secret of investment!
Read more about how to properly invest in PAMM accounts (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information there!
With larger initial capital, you can work with large stock brokers (for example Finam and BCS), which also provide various trust management strategies.
For example, on Finam in trust management can you give from 300 thousand rubles. Their website presents dozens of diverse strategies: conservative, moderate and aggressive.
Of course, both brokers and managers also cannot 100% guarantee that you will receive income.
I would like to tell you a few words about the so-called “structured products”.
They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).
The essence of structured products is that you also invest money in stock markets (more precisely in specific stocks, futures...), which experts expect will rise or fall in the future.
It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.
Here is an example of structured products on Alpari:
CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Especially suitable for beginners.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 200% per annum and above | depends on the type of strategy: conservative, moderate, aggressive | 1-8 years | from 500 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) By distributing funds among the most effective managers/strategies, you can get a good average return. Suitable for beginners. | (+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading yourself. | (- ) Relatively high risks compared to bonds and bank deposits. | (- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically. |
Option No. 7: Own/partner business
DESCRIPTION:
And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!
Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated or simply invested in someone’s business at the development stage.
Another option is to buy ready business or open a franchise business (in this case the risks will be much lower).
Moreover, even if you have a small initial capital, you can still open your own business. Many people opened profitable business with virtually no investment or minimal investment, so money is not the most important thing here, the main thing is desire and aspiration!😀
I myself started a successful business from scratch several times! By the way, if you look at the statistics, then among millionaires there are about 70-80% - these are entrepreneurs who started a business from scratch!
✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«
Read about how to find your favorite job/work of life.
If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s small at first. The main thing in this matter is not to be afraid take the first step!
Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?
Here are some more useful tips:
- Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
- Choose niches with minimal competition - they are easier to start in.
- If you have a small initial capital, then it may be worth trying a service business.
I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇
Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂By the way, goods from China are now very popular, where the markup can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page websites).
Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.
Moreover, both in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).
In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.
Read more about how to organize in a separate article!
CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 1000% per annum and above | At the initial stage there is a high risk | from several months to 1-5 years | from 10,000 rubles (you can even start from scratch) |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) One of the highest returns among all investment instruments. | (+ ) It is easier for a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the idea! | (- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity- It’s difficult to sell a business quickly. | (- ) You need to understand business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn. |
Option #8: Mutual funds
DESCRIPTION: Mutual funds can also be classified as trust management, which we have already talked a little about.
Mutual funds are professionally engaged investment activities, investing and managing the money of their investors (investing in certain stocks, bonds...).
Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in the share investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.
It should be noted that the activities of mutual funds are regulated by state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.
Mutual funds usually provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:
Profitability of mutual funds for 11 months
However, mutual funds do not provide a guaranteed profit, unlike bonds and deposits; there are also often unprofitable periods.
But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.
The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example Sberbank.
If this type of investment is suitable for you, then it makes sense to choose not one mutual fund, but several, in order to distribute possible risks.
And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on forums. With this simple action you will protect yourself from unreliable and fraudulent organizations.
CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 12% to 30% per annum | moderate | 3-10 years | from 1,000 rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The average yield exceeds interest rates on bonds and deposits. | (+ ) Low entry threshold, as well as state control of the activities of mutual funds. | (- ) There is no guarantee that you will receive income. There is an additional “commission” (surcharge) for the purchase/sale of shares. | (- ) You will have to pay 13% tax on profits - many other investments have preferential tax conditions. |
Option No. 9: Microfinance organizations (MFOs)
DESCRIPTION:
Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.
The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).
How longer term investment, the higher the interest rate. Minimum term in MFOs, as a rule, it is 3 months.
It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest money in bonds or in a bank at interest.
If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.
⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.After all, it is better to invest money in a reliable organization at a slightly lower interest rate than in a newly established MFO with a high interest rate.
Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.
If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀
And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉
CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 10% to 30% per annum | moderate | 3-9 years | from 1 million rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️ - medium/low) | (⭐️ - high) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High rate relative to bank deposits. | (+ ) Passive income. Minimal participation on your part. | (- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles. | (- ) Increased risk, since there is no deposit insurance - in the event of bankruptcy, no one will return the money. There is fraud. |
Option #10: Precious metals
DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. Moreover, such investments are highly reliable!
It is especially important to invest money in gold and other precious metals during a crisis, since this is where money migrates from the stock market.
Gold coins/gold bars can be purchased from almost any bank (Sberbank, Gazprombank) or from brokers (for example, Alpari).
Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for more long term from 3 years or more.
Gold prices - chart
❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.
The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.
However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly in price since 2012 and is currently in a sideways trend.
CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term for the purpose of preservation.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 3% to 15% per annum (in a crisis the yield is higher) | Minimum | 7-20 years | from 1000 rubles |
| (⭐️ - low) | (⭐️ - low) | (⭐️ - low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time. | (+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis. | (- ) Low profitability during periods of economic growth and development. Income tax is 13% on the sale of gold if the holding period is less than 3 years. | (- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold. |
Option #11: Cryptocurrencies (Bitcoin)
DESCRIPTION:
Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.
Of course, the best time to invest was a few years ago when Bitcoin was worth around 150-200 dollars.
Some experts say that in the future Bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.
Others argue that Bitcoin is about to collapse. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably increase in price.
Moreover, while cryptocurrencies are showing a steady growing trend.
But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it and yet it is a rather risky investment instrument.
For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!
CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for themselves, one thing is clear - it is definitely not worth investing all your money in them!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 1,000% per annum | elevated | from 3 months to 1-5 years | from 100 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very tall) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If cryptocurrencies grow, you can multiply your invested funds in a short period of time. | (+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency. | (- ) Very high volatility of cryptocurrencies; in a matter of days they can both rise in price and seriously collapse. Low predictability. | (- ) Cryptocurrencies are not backed by anything, as this is another bubble. There is a complete lack of guarantees - if you lose money, no one will return it. |
Option No. 12: Internet projects (online business)
DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on this global network.
It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.
The following directions are currently popular:
1. Websites. Information websites are created and filled with unique content.
With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.
WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very wide, since the topic of the site determines how much income you will receive.
Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.
But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.
2. Social publics. Surely almost each of us is subscribed to some community in in social networks(VKontakte, Facebook, Odnoklassniki...).
Meanwhile, the owners of such public sites also earn money mainly from publishing advertising posts. In public pages with millions of subscribers, the cost of one advertising post can be 2-7 thousand rubles .
Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, you won’t have to wait long for success!
3. CPA affiliate programs/traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods/services.
For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.
If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, the main investments here go specifically to advertising.
But in this case, experience plays the main role, without it you can’t go anywhere!
4. Online services. You can also invest money in creating an online service. These include various freelance exchanges, message boards, exchangers...
For example, projects that exchange electronic money(essentially they are called exchangers).
For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is with the help of exchangers. By the way, you can also purchase bitcoins using exchangers.
Exchangers, in turn, charge a small commission for the exchange (usually 1-5% ). Due to turnover, a fairly decent income is obtained.
5. Applications for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is circulating.
Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.
❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.
Even if you don't know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.
Here, as elsewhere, the key role is played by the idea - the success or failure of the application depends on it.
6. Hype. HYIPs are in reality a financial pyramid that lives off the funds invested in it.
Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.
There are HYIPs that “live” for several months or even several years, but the profitability on them is correspondingly several times/tens of times lower.
In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).
And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand this.
CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 500% per annum | moderate | from 3 months to 2-4 years | from 500 rubles |
| (⭐️⭐️⭐️ - high) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High profitability. The investment can pay off very quickly. | (+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort. | (- ) There is a risk that the project will not take off and will not pay for itself. | (- ) Knowledge will be required. You need to have a good understanding of the key nuances of online business. |
Option #13: Venture funds/investments
DESCRIPTION:
Venture funds are especially widely developed abroad; in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.
The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.
A distinctive feature of venture investments is their very, very high returns, they can bring in thousands of percent!
But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.
☝️ Real example!
The largest for today Apple, Google, Intel... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .
There are basically several ways to invest money in startup projects:
- crowdinvesting and crowdlending platforms (suitable for beginners);
- venture funds;
- investor clubs.
CONCLUSION: But still venture investments poorly developed in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 40% to 3000% per annum | elevated | from several months to 1-3 years | from 10,000 - 100,000 rubles (to venture funds - from $500,000) |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very tall) | (⭐️⭐️⭐️ - high) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If successful, you can get the highest possible return. | (+ ) It is not always necessary to invest large amounts of money at the start of a project. | (- ) Very high risks, most starting projects turn out to be unprofitable. | (- ) Fraud is widespread - investment platforms can turn out to be financial pyramids. |
Option #14: Art objects
DESCRIPTION:
Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.
It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent profit on investments.
❗️ Only important feature at the same time, such investments often require large investments . And besides, to get a good return you need to invest for a long period ( decades ).
Like investing in precious metals, investing in art is not subject to inflation and will only become worth more over time.
And the crisis has virtually no effect on the value of art objects.
CONCLUSION: This type of investment is suitable for those who understand at least something about art and are ready to invest money for the long term.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 100% per annum and above | minimum | usually from 1 to 3-5 years | from 100,000 rubles and above |
| (⭐️⭐️ - medium/high) | (⭐️ - low) | (⭐️⭐️ - average) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) You can get relatively high returns with minimal risks. | (+ ) High reliability. Over time, art objects only increase in price. | (- ) Often, investing in art requires a large initial capital and involves long-term investment. | (- ) You need to be a specialist, have specific knowledge and experience. |
Option No. 15: Knowledge and personal development
DESCRIPTION:
No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience...).
It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.
I think more than once you have heard stories about how most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).
In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow!
If you have free funds, then it makes even more sense to invest some of it in your development: attend trainings, webinars and seminars.
One of the most important differences between investing in knowledge is that no one can ever take it away from you. You can lose everything, but not the acquired skills and experience.
For example, in the USA they conducted an experiment: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after just a couple of months he managed to earn tens of thousands of dollars from scratch.
CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t forget that even a bad experience is also extremely valuable experience! 👍
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| endless | minimum | from several weeks/months | from 0 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️ - very low) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The most important and most profitable asset in the world is knowledge, skills and experience. | (+ ) No one can take away your knowledge and experience, and you will always be able to turn it into money. | (- ) For many, it is difficult at first to motivate themselves to study. | (- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience. |
3. Golden rules of proper investing - TOP 5 tips
And now I want to introduce you to a few more very important rules investments that will help you manage your money correctly!
First, what I already talked about at the beginning of the article is not to keep all your eggs in one basket. Especially this rule concerns you if you have a lot of money to invest.
Instead of investing everything in one tool, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.
If you have very little money, then think about starting your own business.
Second— try to invest most of the funds (40-60%) in assets with the lowest risk, optimal choice Between profitability and risk, as for me, is real estate.
And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.
Believe me, this is an already tried path on which hundreds of millions of rubles have been lost!
It will allow you to survive unfavorable times and find other sources of income.
Fourth- create passive income so that you can receive money even when you are not working.
Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.
It will also be great if you learn to give 10% of your profits to charity.
As Socrates said:
There is only one good - knowledge and only one evil - ignorance.
4. Where to invest money to earn money - specific examples
In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!
I will not consider very risky investment options in these examples. Let's consider only conservative and moderate-risk investments.
- Where to invest 100,000 - 200,000 rubles?
100 - 200 thousand rubles is not such a large amount, so I would most likely invest it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.
As an option, if you do not want to invest in a business, you can consider bonds. IN as a last resort you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.
If the risk allows, you can try to invest in structural products brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.
- Where to invest 300,000 - 500,000 rubles?
This is also a relatively small amount by investment standards. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.
If there is an option within this amount to purchase real estate at the construction stage, then you can invest in it.
— Where to invest a million rubles?
Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.
For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.
Or alternatively:
- You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts/portfolios, or invest them in mutual funds.
- But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also advisable to divide the amount into 3-5 parts), gold, art objects...
- I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
- With the remaining amount you can try to open a business (including on the Internet).
5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud
At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.
The world is full of people who invent various schemes to steal money through fraud. Especially nowadays, fraud flourishes abundantly on the Internet (and not only!).
Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.
Both on the Internet and in real life, people often come across “super profitable” projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payments, very profitable terms etc. - all if only people would invest their money. 
Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from other people's greed!Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!
The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on the investments of gullible people.
Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.
Hype(which we talked about earlier) are essentially also built on the basis financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.
Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.
I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).
Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞
If you are not yet particularly versed in a particular investment object, then invest time and money (it’s not even necessary) first of all into your knowledge ! This will be your most profitable investment!
6. Conclusion
Well, you have learned about all the most popular and profitable areas for investing money.
Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!
I hope my experience was at least a little valuable for some of you and you have already decided where to invest your money! 😀
Let me emphasize once again that, in my experience, the most profitable investments is an investment your own business And knowledge !
❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!
Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍
P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!
Andrea Jach
Most economists and analysts predict a difficult 2016. Oil, and with it the ruble, are falling in price, and price tags in stores are rising. We are increasingly concerned about where to invest our last savings to at least protect them from inflation. What do Russians invest in, how to choose the best one investment instrument and save savings shared
Where are Russians investing?
As a survey conducted National agency financial research (NAFI) in November 2015, a third of our fellow citizens are trying to ensure a comfortable old age. When choosing ways to store savings, most pay attention to profitability and a guarantee of the safety of investments.
The most popular form of storing money is bank deposits. They are used about a fifth of Russians (19%), saving for retirement. The majority are residents of large cities; among the respondents, there are twice as many of them as there are villagers (21% versus 12%, respectively).
Only every tenth Russian makes contributions to Pension Fund. In villages there are much fewer of them - 2%. Investments in real estate are becoming less popular. Only 8% of respondents decided to buy a house or apartment, to earn money from your savings.
About two-thirds of the population (63%) do not currently use any savings instrument. Among them, the majority are those who live from paycheck to paycheck and they simply do not have any free money left. More than half of our fellow citizens (52%) are unable to save, and 8% do not do this, although they have the opportunity. It is worth noting that among women 37% make savings, while among men only 30%.
Only a third of Russians think about their financial future. Every fifth person surveyed saves 10% of their income every month, every tenth - from 10 to 20% of earnings. And only every twentieth person has the opportunity to save more than 20% of their income.
For those who save the most important factor when choosing an instrument is the return on investment. More than half of Russians (58%) consider that it should be higher than inflation. The second important point, the safety and guarantee of investments in the future, is assessed by 43%. For 31% of Russians, the factor of being able to withdraw money when needed was also important.
Russians living in cities agree to take more risks and value profitability (59%) over safety (41%). In villages, the situation is the opposite; the safety of investments is more valued (63%) than profitability (46%).
– the most popular investment instrument, but not everyone is able to save our money. The problem is that inflation can simply eat up all the accrued interest.
The Ministry of Economic Development forecasts inflation at 5–7%. However, many experts believe that inflation could reach 15%. Therefore, in order to truly be profitable, you need to make the right choice.
How to choose the right deposit?
The interest rate on ruble deposits offered by banks averages 10–13%. Of course, this storage method is better than keeping your savings under the mattress. In this case, if inflation is lower than predicted, you will keep your savings.
For dollar deposits, banks offer, on average, 2% per annum. Although the percentage is small, it will help you protect your money from inflation. The only risk is the strengthening of the ruble, which today, according to experts, is unlikely.
Some experts recommend having several deposits in different currencies. If one of them falls, you can win on the other. This strategy is one of the most reliable and will help, if not earn money, then at least not lose your savings.
Also, when choosing a deposit, you should be careful study the terms of the contract. Remember that many long-term investments are only profitable if you do not use the money ahead of schedule. Therefore, it is better not to give all your savings to a long-term deposit.
What should you consider when choosing a bank?
More and more often we hear news that the next In order not to make a mistake and put your money in safe hands, first of all, you need to pay attention to bank rating. Also adding to reliability is the fact that financial enterprise has government support.
For many Russians, buying a home is the biggest investment in their lives. Therefore, it is worth carefully understanding all the nuances before investing all your savings in housing or taking out a mortgage.
Along with oil and the ruble, real estate is also falling in price. On the one side, Now you can buy an apartment much cheaper than a few years ago. This means that as soon as the country begins to emerge from the crisis, prices will creep up.
On the other hand, everything is not as simple as it seems. The problem is that it is very difficult to predict how long the crisis will last and how much housing prices will fall. Investment professionals advise buying real estate when the crisis reaches a critical moment. But to guess when that very moment will come, you need to be a specialist.
If you decide to purchase living space, you should pay attention to several nuances:
- It is better to buy housing in medium-sized cities. They are the ones who, according to experts, will begin to develop after the crisis. This, in turn, will lead to an increase in real estate prices.
- Keep in mind that one- or two-bedroom apartments are much easier to sell or rent out.
- Give preference to new buildings. At the initial stage, housing construction usually costs less.
At the moment, real estate professionals advise not to rush to invest in real estate, as the purchasing power of Russians has fallen. The purchase can only be justified if you want to improve your living conditions.
Should we consider investing in microfinance organizations?
Not so long ago, another way of investing funds appeared on the Russian market - (deposits in microfinance organizations). Should you trust capital to this type of investment and how does it differ from conservative investments and high-risk trading on the stock exchange? Let's look at all the pros and cons.
In the current unstable economic situation the value of money is constantly falling, which makes it absolutely unprofitable to keep it at home. Thus, the question arises - how to save accumulated funds and where to invest.
In 2010 it was adopted the federal law No. 151, establishing a minimum threshold of 1.5 million rubles for one loan agreement between an MFO and an investor. This type of investment is available for both individual entrepreneurs, and for legal entities. In addition, depending on the placement period, it is possible to receive from 10 to 15% per annum.
So, the pros of this enterprise:
– low level risks
– fixed income
– transparency
– high interest rates
In order to become an MFO investor, you must contact the microfinance organization directly. And don’t forget that investing in microfinance organizations is on average 2 times more profitable than bank deposits. The downside is that the latter are insured by the state, so you need to be aware of the risks.
Is it profitable to invest in gold?
Gold has always been considered one of the most reliable ways to invest.
This method of investing money has several advantages:
- Lower price threshold. Global producers regulate the price, and the price of gold can only fall to a certain level. Then the price starts to rise again;
- Gold has high liquidity, which means it can always be easily sold.
There are different ways to invest in gold:
- Buy bullion;
- Buy investment coins;
- Open an impersonal metal account at a bank.
The simplest and most common method is an impersonal metal account. In this case, after the expiration of a pre-agreed period, the bank pays the amount at the current rate.
Is education the best investment?
Investing your savings in education is one of the best decisions. After all, it is our knowledge and skills that help us earn more. The world is changing very quickly. More and more are appearing new information. And to keep up with all the changes, you need to constantly learn. The dollar may fall in value, inflation will eat up all your savings, and knowledge will always remain with you.
We told you about the most common and simple ways investments that will help preserve your savings. Of course, there are many other investment opportunities. You can buy antiques or art, play on the stock market, invest in startups, or open your own business. The choice is yours. The main thing is to remember that investing requires a responsible attitude and a thoughtful approach!
When a year ago we wrote the article “Where to invest money in 2015,” we, of course, assumed that the economic situation would be difficult. However, it turned out to be even heavier than many experts expected. Despite this, we will try to give another forecast for the next year, 2016.
In December, the number of people asking themselves how to save money in 2016 will likely be fewer than those who asked the same question a year ago. And precisely because there was actually less money. But still, they exist, just as there are tools that will help, if not get significant income, then at least not lose what you have.
Bank deposit
And again, as in last year, we output bank deposit in first place among all answers to the question of where to store money in 2016. There are two explanations for this:
- bank deposit is the safest way to invest
- bank deposit is the most affordable way investing
Agree, in order to take money to the bank, you do not need to have the knowledge of an advanced economist and the reserves of Roman Abramovich. If you have accumulated 10-20-30 thousand rubles, you can already open a deposit. And if you consider that a significant part of banks allow you to open a deposit in Internet banking, then the task is completely simplified. The main thing is to make the right choice.
But this is more difficult. TOP 10 banks offer deposits at the level of 7-10% per annum. This is frankly not enough, considering that according to forecasts, real inflation in Russia in 2015 will be 10-12.5%, and in the future, according to the most optimistic data, 7-8%. That is, by investing money in large bank, you are just catching up with inflation. Although we will give it its due: in December, at the peak of the panic, many banks offered deposits at 15.18 and even 20% per annum. True, for a fairly short period (on average, a year), and without the possibility of replenishment. Today banks do not have such a need.
So, the TOP 10 banks are only suitable if you just want to save money adjusted for inflation. This year, market leaders have seriously increased liquidity and do not need expensive deposits from “physicists”.
But we cannot say the same about medium-sized banks (around 50-150 in the ranking by assets). After the revocation of Probusinessbank’s license, no one feels protected today; the revocation of licenses will continue (more than 80 banks have lost their licenses this year). Banks within the specified range do offer more “tasty” deposits, but another problem is mixed in here: the danger of license revocation. Yes, if you invested up to 1.4 million rubles, then your deposits will be returned to you, but the prospect of being nervous and waiting for a return is not encouraging.
So, if you just need to save money in 2016, then go to a large bank. If you need to save and earn money taking into account the risk, then we go to the middle one. If you want to earn more and are willing to take serious risks, then go to a small bank.
Consumer cooperative
Unlike banks, the activities of consumer cooperatives are not so strictly regulated and therefore they can afford greater risk. Accordingly, this is reflected in deposit rates. Today it is quite possible to buy a share in a cooperative with a yield of 18, 20, or even 25% per annum, which is significantly higher than what banks offer and allows you to really make money.
However, if you are seriously considering a co-op as the answer to the question “where to invest your money in 2016,” then be prepared to take on more risk. Deposits in cooperatives are not insured by the state, like in banks. The insurance that the employees of these institutions tell you about has nothing to do with the deposit insurance agency. Accordingly, no one will guarantee payment of up to 1.4 million rubles to you.
If you want to invest money in a consumer cooperative, carefully study its activities and especially its history. If it is more than two or three years, then this is already a guarantee that the cooperative will not disappear tomorrow or the day after tomorrow. And in any case, prepare for greater risk than in the case of a bank. If risk doesn’t scare you, and the organization is chosen correctly, then a cooperative is perhaps one of the ideal ways to invest in 2016.
Real Estate Investments
When talking about where to store money in 2016, one cannot fail to mention real estate. After all, Darkness Twain said “Buy land, this product is no longer produced.” Real estate (both land and apartments) – indeed good way investment, but with one drawback: it is an investment for long term. In our case, this is at least 3 years, but in reality 5 years, which will be required for the market, firstly, to stop falling, and secondly, to start growing.
Why is it profitable to buy real estate now? Yes, because the demand for it has dropped significantly, and in 2015-2016. It is planned to bring large facilities laid out in 2012-2014 to the market. Developers have nowhere to go - they need to get at least part of the profit. Therefore, prices for new buildings have decreased significantly (by 10-15 percent or more). Prices for secondary housing have fallen even more: purchasing a new one stimulates Government program, but there is no analogue of the program for the secondary.
There is another major disadvantage to investing in real estate: you don’t know what will happen to this house and its surroundings in 3-5 years. Utility problems may begin in the house (the foundation will float, cracks will appear, alcoholic neighbors will appear), another new building may grow next to the house, which will block the luxurious view of the river (lake, forest). Finally, a successful city will lose its investment attractiveness, and with it the influx of migrants.
Well, let's be honest: buying real estate is a major investment. The conversation is about at least one and a half million rubles, which is enough for a one-room apartment. And you will have to forget about this money for several years, since according to experts, the housing market will hit rock bottom in 2017-2018, and will only begin to grow slightly in 2019. Of course, you can simply invest money in land by purchasing a plot, but this is an even riskier investment. Therefore, if you have at least one and a half million rubles, you know for sure that you will not need them in the next 3-5 years, and you can imagine what will happen to this house and the surrounding area, then feel free to invest. Sooner or later the housing market will go up. Simply because it cannot be otherwise.
Investments in currency
At the end of last year, any average Russian, in response to the question of where to invest money in 2015, would answer without hesitation: “Of course, in foreign currency.” And the situation with jumps in dollar and euro exchange rates in mid-December clearly indicated this. However, reality current year turned out to be much less obvious. As of January 1, the US dollar was worth 56 rubles, the euro – 68 rubles. In mid-November of this year, the cost of the US dollar was 64.7 (+13.3%), the cost of the euro was 69 rubles (+1.5%). In other words, people who invested in foreign currency either slightly outperformed inflation or lost significantly. At the same time, even those who were winners experienced doubts every day, observing exchange rate fluctuations, and the income turned out to be comparable to a bank deposit.
In what currency should you keep your money in 2016? We assume in the one in which you are going to spend them.
If you are planning a trip to Europe, keep the euro, if the immediate future is Russia, then, of course, rubles...
In our opinion, we should not expect significant changes in the exchange rates of leading currencies in 2016. Both a slight strengthening and weakening of the ruble are possible. Therefore, this method of investment is only savings. As for other currencies, you need to be even more careful with them. An example is the Chinese yuan, which, although it showed an appreciation of around 10%, made investors seriously nervous.
Investments in antiques
We can't say that the best solution for where to keep your money in 2016 is investing in antiques. Moreover, there is no particular difference compared to the situation at the end of last year. Yes, antiques will definitely bring profit to their investors, but after years. And here the period is not even 3-5 years, but much longer. Finally, to buy antique paintings, statues, furniture, coins, books, etc., you need to have an excellent understanding of them. As a result: if you don’t understand anything about antiques, it’s better not to buy them.
Investments in the stock market
Here it is very short: if you don’t understand. Don't invest. Yes, the general drop in production does not mean that everything is falling everywhere. Now new growth centers are forming in the domestic economy: they are growing quite well high tech, chemical industry, certain branches of mechanical engineering and even woodworking, which would seem to be completely unique. But in order to seriously play in the market and make a profit, you need to spend at least half an hour on it every day and have the appropriate qualifications. If you just want to buy Gazprom or VTB shares and wait, then this, of course, is a good investment option, but definitely for a period of 2-3 years.
Investments in precious metals
Although they say that gold is the best investment, in today’s situation it is far from the most profitable investment instrument. Let's take a look at the picture. At the peak of the panic in mid-December, the price of gold reached 3,100 rubles per gram. Then the picture calmed down and the price began to fall - to 2,000 rubles per gram in May. Then, however, there was an August growth, when the yellow metal regained 500 - 550 rubles, but rolled back again in the fall. As a result, we have 2300-2400 rubles per gram. Silver, which costs significantly less, generally repeated the somersaults of the “senior comrade.” As a result, those who bought metal in December-January are now in a clear disadvantage. And their mood may be even worse, since medium term forecast gives either a reduction or preservation of the current value.
We conclude: precious metals are not the best solution to the question of where to store money in 2016.
As a result, when solving the problem of where to store money in 2016, we have a bleak picture.
- If you want quick profits, it is better to go to the stock market or invest in a consumer cooperative.
- If quick profit is not important, and the main thing is to preserve capital, then both a bank deposit and the purchase of real estate will do.
- And finally, if you are not a professional, but want to invest money somewhere, we recommend avoiding foreign exchange and stock markets, as well as antiques.
If we could go back to the summer of 2014, when the dollar in Russia cost less than 35 rubles, take out a loan from a bank, even for the most high percent, and buy currencies with all the money, then by selling them now, you could get rich. Surely, one of the financial experts then advised to do this, and those who listened are in chocolate today.
What do financial experts advise today? What can you invest your money in to make money? RBC correspondents asked Russian financiers this question. What advice did the experts give?
Where to invest money to earn and not lose
Deposits in rubles and foreign currency. Traditional way profitable investment money in Russia are bank deposits. In 2015, the best investment was deposits in dollars. Despite the fall in rates, their yield for the year amounted to almost 30%. Ruble bank deposits in 2015 were among the less successful investments. They would bring the investor 13.33%.
This year we should expect a further reduction in deposit rates, says the head of the department for the development of non-credit products and remote maintenance ICD Natalya Rosenberg. The best strategy will open two deposits: one in rubles, the other in foreign currency, advises Sberbank chief analyst Mikhail Matovnikov.
It is predicted that a ruble deposit in a bank in 2016 will allow you to earn a return of about 10% - average maximum bet by deposits for a year in the first 15 banks by volume of deposits of individuals.
Rates on dollar deposits in banks for a year are about 2% per annum, but what is important here is not the amount of income, but the ability to protect savings from ruble devaluation. It makes sense to place currencies on short-term deposits - this way you can quickly respond to exchange rate changes, suggests Natalya Rosenberg from the ICB.
Cash currency. Many believe that in 2016 it is especially profitable to invest in foreign currency. However, statistics show that cash in euros and dollars at the end of 2015 did not show the highest profitability. Having bought 100 thousand rubles worth of dollars at the beginning of 2015, it was possible to get a return of 16 thousand rubles in 12 months, and in the case of the euro - 7.5 thousand rubles.
As Sergei Romanchuk, head of operations on the money and foreign exchange market at Metallinvest Bank, notes, such investments are an attempt not to earn money, but to save money - one of the most conservative, but least risky investments. There is only one risk here - a sharp strengthening of the ruble, which is unlikely.
Real estate. Another traditional way for Russia to invest money in order to save it from inflation and earn money is to buy real estate. But in 2015 this investment instrument showed the lowest profitability. By investing in real estate, you could earn only 5.5% - this is how much a Moscow apartment worth 10 million would add in value per year. That is, if 100 thousand rubles could be invested in real estate, the investor’s income would be only 5,500 rubles.
Now the main argument in favor of buying real estate is the opportunity to save money, and in 2016 there is no need to expect changes for the better, experts say. Russian market real estate still remains an unattractive asset for investment - especially if you plan to receive income in the coming years.