It is a delusion to think that investors become investors only after investing large sums. Having only 10,000 rubles in your pocket, you can not only reliably protect them from depreciation, but also significantly increase them. However, it is worth approaching this issue as competently as possible, without grabbing the first investment object that comes across. Let's figure out where to invest 10,000 rubles in order to earn money, because there are several time-tested and money-tested ways.

Why investing a little money is better than spending it

Why suffer, look for a suitable project, invest money, and then worry about their safety? Wouldn't it be better to just go and spend this insignificant amount by the standards of business leaders, enjoy shopping and safely forget about it? Man with this way of thinking hardly ever get rich.

Investing even small amounts will surely bear fruit in the form of solid dividends. Of course, by investing only 10,000 rubles, you should not expect to immediately get a million, but moving in the right direction, such income is quite possible even with minimal initial investment.

If you are going to invest money for the first time and have not encountered this activity before, recommended reading .

Is it worth investing 10,000 rubles in a bank deposit

Yes, this is the most familiar and safest way to invest available free finances. He will be effective if you invest 10,000 at least monthly . After all, the percentage at the initial stage will be small, but with the growth of the amount itself, which is replenished regularly, the interest on the deposit will also increase.

This is a common world practice Set aside a certain amount each month for unexpected expenses. However, when banknotes and coins lie in a "stocking", they do not bring any income. Another thing is the deposit. In this case, there is a chance in a few years to accumulate a solid amount, taking into account the interest. The annual level in the bank fluctuates from 8% to 15%.

The risks of such investments include an unstable economic situation, which leads to the collapse of Russian banks. But in this case, Deposit Insurance Agency. This is one of the ways to invest 10 thousand rubles with minimal risk.

Private investment

And to put it simply - you can give these cash loan to a private person at interest. This type of service is very popular today. It allows you to earn a little more than with a bank deposit. But the risks are also higher. Of course, funds are issued against a receipt. However, she cannot serve as a 100% money back guarantee .

Today there are many sites where everyone can offer their help as an investment to a private person. The amount of earnings in this case will also not be very significant.

A popular method is to invest in currency

Buying foreign money to protect rubles from inflation is one of the most popular investment methods. If we take into account calm times, then the currency grows over the year by 1-3%. In times of crisis, the rate may increase several times. It is impossible to call this method of investing 10,000 rubles highly profitable. However, the risks here are minimal.

Investments from 10,000 rubles in shares

When looking for an object where to invest 10,000 rubles to earn money, do not forget about. This method of investing allows you to count on more significant income than the previous ones.

The whole process must occur in a certain sequence:

1. Definition of financial goals , market research, risk setting. This means that a novice investor must do everything to protect his investments, but psychologically he must be prepared for possible risks (read about).
2. Choosing an investment object , familiarization with share prices. Comparison of them with their capabilities, competent distribution of relevant resources. Formation of an investment portfolio by purchasing shares.
3. Situation control , tracking market trends, timely response to changes.

It is worth remembering that investing in stocks is not the type of investment when the “buy and forget” principle works. In this case you have to put in some effort to save and increase capital.

The best investment option is considered to be the purchase of shares of a profitable enterprise, which is located in the investor's city. Thus, he can control his investments by learning about all the news from the primary sources.

How to invest small capital in precious metals

This method of where to invest 10,000 rubles is also one of the proven and reliable. Although we are talking about a small amount, it can also be profitably attached if you buy, which are made of gold, silver or platinum. In this case do not have to pay VAT, as well as renting a safe deposit box.

Investing in websites

Today you can buy an inexpensive site for 10,000 rubles, promote it and sell advertising space later. But to promote the site and bring it to the top additional investment required . After all, you will have to order articles from copywriters, work with targetologists, marketers, and increase conversion in every possible way. Therefore, it is impossible to call this way of earning passive. And the total amount of investments will turn out to be much more than 10,000 rubles. However, if you do everything yourself, then the costs will be greatly reduced, but it will take a huge amount of time to promote.

Is it possible to invest 10,000 rubles in PAMM accounts

If the investor has a share of risk, and he does not want to waste a lot of time trying to earn more money, then he can . In this case, the income can be from 50% to 150% per annum.

Principle of investment lies in the fact that the investor entrusts his savings to an expert manager, who is engaged in their increase. It should be noted that these services have to pay a certain percentage . If the manager works according to a conservative strategy, then there will be no big risks, as well as too high earnings (no more than 70%). But if an aggressive strategy is used, the returns can be very significant.

You can play it safe and distribute your deposits to different accounts.

10 thousand rubles and Forex

Try to invest finances, which is a suitable way, it also has risks, but can bring a very good income with the right approach.

What are the advantages of investing in Forex:

• To start an activity, you just need to have the desire and access to the Internet. Of course, you also need to have some investment skills and a certain flair . By practicing and improving, in a few months you can turn your 10,000 into 50,000 or even 100,000. If you don’t have the desire or time to delve into exchange activities, then you can transfer the care of your capital to specialists, of course, at a certain percentage.
• Despite economic downturn, on the stock exchange is still noted price growth in the long run .
• This way to earn money is available to those who have even a small amount available.

Of course, it is desirable to invest large amounts, since the probability of "drains" is high when trading with small amounts.

Bookmakers and sports betting

If a novice investor understands some kind of sport, has an "extra" 10,000 rubles and does not know where to invest them, then he can do favorable rate. But there is no need to be seduced by a high coefficient, since it is set mainly for obviously losing teams or players.

Some Tips for those who want to invest their 10,000 rubles by taking them to a bookmaker:

Every experienced investor in this area has his own strategy of action, which allows him to invest wisely and win substantial amounts from time to time.

Cryptocurrency and investments from 10000

These digital currencies today have "grown" several thousand times, and those of the lucky ones who bought literally for a penny in their time, today rest on their laurels and are millionaires, at least.

To buy bitcoins, you need to open . Of course, it is impossible to buy a whole BTC for 10,000 rubles, but it is possible to buy a part of bitcoin - Satoshi, which is also profitable. Today, this cryptocurrency can be exchanged for any money; a lot has been created for this.

• Need to be patient and not "dump" BTC at the first opportunity. Experts predict an increase in the rate of this digital money, so they recommend holding bitcoins for several years.
• Do not buy BTC with your hands , after all, there is a chance of falling for scammers.
• If the investor has some experience in this area, then you can simultaneously buy newly created cryptocurrencies at the very start of their existence.

Today, a variety of opinions and rumors are hovering around cryptocurrency. But, as in any other way of investing, there is an equal chance of losing everything or getting rich.

What does it mean to "invest in yourself"

This item is not a joke, but a very profitable investment. If you have free 10,000 rubles on hand, then you can "pump" yourself. This means, increase your own value. How? Buy special courses, after graduating from which you can increase your capital several times, becoming a more qualified specialist in your field. You can also purchase specialized literature, attend lectures, seminars that will help you learn a new profession and gain useful knowledge.

Thus, a relatively small starting amount will help the "depositor" to acquire a valuable and fireproof capital in the form of skills, abilities and experience.

Investing 10,000 rubles in your own development is perhaps the most enjoyable of all the above ways.

• study carefully specific investment offer. Try not to fall under the pressure of third parties that force you to act right now and right here, otherwise it will be too late. This, perhaps, is exactly the case from the fairy tale about Pinocchio, and you will surely lose your money, albeit not a lot.
• Don't give the last . You should not carry the last 10,000 to the bank or somewhere else, remaining without a livelihood. You should always have a stash.
• Don't take out loans to invest . This is a very short-sighted policy. Of course, if we are not talking about business loans, where the probability of "winning" is high. But in this case We consider small sums of investments from 10,000 rubles. If "the case does not work out," then you will remain in debt to this money, and even with interest.
• Look for different variants , allowing you to invest money of any size and develop your strategy

Feel free to ask about anything that interests you in a particular investment project, because you invest your money and want to know that they will fall "in good hands". If you decide to start your investment journey with small steps, then investments from 10,000 rubles are the best start. In case of success, you will increase your capital, and in case of failure, you will not grieve for a long time and gain valuable life experience.

The problem of profitable investment of free money is faced not only by large investors with significant sums of money. The process of increasing finances can begin with little money that is available to the majority of the population. Here we will discuss where to invest 10,000 rubles.

The amount is very small for a serious investment, even for students and public sector workers. However, you can try to "probe" investment instruments.

So, you have free ten thousand rubles a month. Consider investment options that can contribute, albeit small, but profits.

Fast but risky

If you are able to take risks, then in order to quickly earn money, you can open a PAMM account on Forex. At the same time, dividing the available 10,000 rubles into several accounts. On this moment a more or less adequate tool is the Alpari exchange

Ratings of active PAMM accounts are easy to find on the Internet. Choosing the most suitable for you is task number 1. Preference should be given at first to the most successful traders with high returns and a short trading period.

Of course, trading on the currency exchange involves a lot of risk. But if you analyze the ratings of PAMM accounts, you can see that in some trading weeks the profit reached 15-20%, in others - trading was not so successful.

But the average yield of 5-10% per month can be considered guaranteed. It is in order to minimize the risk of defeat that it is best to scatter the available money across several accounts and exchanges.

And while they go trading sessions, you can begin to study the technology of Forex trading. There are more than enough free webinars and video tutorials on the Internet, and the acquired knowledge will help you start trading on your own, without involving traders. Moreover, they will have to give up to 15% of the profits received.

For those who do not like to take risks

For those who do not like to take risks, a traditional bank deposit can be the best way to invest. You can find banks that allow you to make a deposit at - 17% per annum.

With a free amount of 10,000 rubles, there are not so many investment options. You can by buying a certain amount of precious metal with the available money. But in order to make a profit, you will have to "catch" the moment when the price of gold will be at its minimum in order to open an account, and close the account at the peak of the price of precious metals.

This is a rather tedious task, therefore, in the case of investing money in gold or platinum, it would be preferable to “forget” about its existence for a year or two after opening a metal account. Then you will be more likely to make a profit if the price of gold increases significantly.

Today we will consider where to invest 10,000 rubles. With such an amount, investments for adult uncles are already becoming available to us!

So you can get out of the children's sandbox and do the real thing!

As I said earlier, with an amount of 10,000 rubles, you can already look for a stock market broker that does not require a large down payment when opening an account. So, for example, in Alfa Direct, you can just start with an amount of 10,000 rubles!

True, it should be understood that many shares on the Russian MICEX stock market cost several thousand rubles. So you simply cannot afford to buy them. Also, stocks can only be bought from many brokers in lots, and this is another problem. For example, 1 share of Gazprom now costs about 120 rubles, but they are sold only in lots of 10 pieces. This means that in order to buy a lot you will need approximately 120 * 10 = 1200 rubles.

It is worth checking with the broker in advance the possibility of buying one share at a time. For example, the same Alfa.Direct terminal allows you to place a purchase in mini lots for at least one share. But of course you cannot buy less than 1 piece! That is, for example, such shares as Transneft or Alrosa Nyurba worth tens of thousands of rubles per share will not be divided into parts by anyone.

For those who have read the wrong advice and believe that the stock market is a place where it is impossible to earn 100% in a year and run to trade on forex, I will say. Stock market it just seems less active, due to the fact that there are no huge leverages under 1:100 or even 1:1000. But there, also due to this, it is not possible to lose all the money in principle! Yes, you won’t earn 20% or 50% in a day, but it can be done in a year. Of course, if you learn to understand the stocks and buy them in a timely manner.

Anticipate your impulses to run and speculate in stocks! You can “pull” the mouse as much as you like, but inexorable statistics show the opposite - the fewer transactions you make (and the more time you think about buying), the more profitability you get as a result. There is absolutely no point in buying and selling several times a day or a week! Commissions on such operations will eat up most of your profits.

But shares are more long term investment, and where to invest 10,000 rubles for a period of only a year or two?

In addition to stocks, you can start investing in bonds. The essence is the same as with shares - you will need to register with a broker. At the same time, almost 90% of bonds Russian companies have a face value of 1000 rubles, and you can bathe them individually.

Unlike stocks, bonds are less volatile, as a result of which you won’t be able to get a large profitability from price changes, but you won’t lose much in the event of force majeure either. Naturally, I mean government and municipal bonds, as well as corporate bonds of the largest issuers.

If you want to get a higher yield than the bonds of the largest issuers give you, then you can choose for yourself corporate bonds of second-tier companies. Here, issuers have a certain shortage of money, and, therefore, they are ready to borrow at a higher interest rate than those companies that are included in the first echelon.

In principle, there is even a kind of casino for the most risky people - bonds of default issuers. I already talked about this in the article - "". Read if interested.

The main thing to understand is that 10,000 rubles is already a more or less significant amount. So there are many options where to invest 10,000 rubles. Starting with training financial literacy or learning to trade in the market and ending with the opening of an LLC for your own business.

I just suggested to you the path that contains fewer pitfalls and difficulties for novice investors. Still, buying a ready-made working business is much easier than building your own from scratch.

The amount of 10,000 dollars can be called more than significant. With this money you can already buy an apartment in a small town, old car or other property. But enterprising people will probably think about acquiring assets. And here we are talking about investments. If for those people who have small amounts, many investment tools are not available, then the amount of $ 10,000 allows you to use almost any financial instrument. In addition, you can also diversify your own deposits. After all, the specified amount allows you to create an investment portfolio that will contain completely different tools for making a profit.

Let's talk in more detail about where you can invest the previously indicated capital.

Bank deposit

The easiest way for a novice investor is to go to the nearest banking institution. Although knowledge of some rules of implementation deposits and allows you to get the most favorable interest rate, but in general, bank deposits cannot be classified as highly profitable investments. Since even the nominal interest rate unlikely to exceed 10 percent per annum. The actual rate will be significantly lower than this value due to the impact of inflation.

At the same time, making contributions to different currencies allows to achieve real income. $10,000 can be put into a savings bank account if you absolutely do not have time to study investment tools and devote time to your contribution. So this option is suitable for conservative investors. But from the point of view of security, a bank deposit is in one of the first places. Because of this, many investors prefer to keep a significant part of their money in bank accounts. savings accounts as a financial cushion.

Real estate

$10,000 can be spent on the purchase of a property. The easiest option here is to buy an apartment.

1. First, the apartment can be rented out.
2. Secondly, you can live in your own apartment.

So this purchase will definitely come in handy! If we talk about the apartment from the point of view of the investor, then it is worth saying that this property better for short term rent. This form of delivery will require attention from the owner. But the level of profit will be very high. But if you are not interested in the constant search for new customers and communication, then it is better to stop at renting an apartment for a long-term lease.

It is worth remembering that you can make a profit not only with the help of residential real estate, but also with the help of non-residential real estate. Here we are talking about a variety of production facilities, storage areas, trade containers. A square meter of such objects often costs much less than square meter residential real estate. At the same time, the income from renting a large non-residential object can be significantly higher than the income from renting an apartment with the same cost of objects. Only you can decide which option to choose!

precious metals

At this point, it's time to talk about gold. Since it is the most popular precious metal. This means that the level of trust in gold among people is at a very low level. high level. $10,000 could well be invested in this metal. At the same time, such an investment can be made in several ways. First of all, you can buy bank bars or gold coins. This option is suitable for those people who prefer to have not only the equivalent of the usual currency in their account, but also physical object. As a result, gold can be sold. But in the short term, such an investment is not profitable. Since there is a rather large difference in the rate of buying gold, as well as in the rate of its sale.

An alternative to physical gold can be considered a bank account in the metal. In this case, you have a nominal account in gold, but you can withdraw it in your usual currency. The rest of the bank metal account is completely similar to the usual physical precious metal. And the course will be appropriate.

Some people prefer not to contact banking institutions and purchase gold in products. It's actually quite a reasonable option. By at least, in the event that not new gold items are purchased. After all, the cost of work is always invested in the price of a new gold product. And often it exceeds the cost of the material. But the purchase of not new gold items allows you not to overpay extra money. But in this case, the buyer assumes all risks regarding the compliance of the gold sample with the nominal value.

Stocks and bods market

$10,000 allows you to create a fairly large portfolio of investments consisting of valuable papers. What can be included in this category? Here we are talking about bonds, bills, shares and other securities. Such assets allow you to receive dividends commensurate with the share in the profits of the enterprise. Most often, securities are acquired precisely for the purpose of receiving dividends. And such assets are rarely sold.

But you can also earn on the difference in cost. Some people even purposefully engage in such activities. True, this cannot be called a full-fledged investment. Whatever it was, and the acquisition of securities also allows you to get a significant income.

Acquisition of cryptocurrency

More and more people are betting on cryptocurrencies. It is enough to look at the rate of growth in the value of the same bitcoin and everything immediately becomes clear. Of course, with a happy coincidence, the amount of $ 10,000 can be increased several times. But it is quite difficult to predict a change in the cryptocurrency exchange rate. So for the average user, such an investment will be something akin to playing the lottery.

Besides government bodies do not recommend investing your money in cryptocurrency. Because the state cannot influence it. On the other hand, the same bank deposits(which are controlled by the state) bring minimal profit (and that is eaten up by inflation). Here the investor must find a compromise. You should not invest all your money in the acquisition of cryptocurrency. But about 10% of the capital can be devoted to this particular niche.

Summarize

$10,000 can be invested in completely different objects. But the most reasonable approach is to diversify your own investments. You should try to combine as many different financial instruments in one investment portfolio. Or purchase one large object. If your starting capital is only $1000 - .

It is not necessary to have a million dollar fortune to become an investor. You can start small with your money. But what to do if you said to yourself “I want to invest money”, but you don’t know how and how much you can get from 5,000 to 100,000 rubles from an investment? Consider the main ways to turn a small amount into a profitable investment.

What does "invest" mean?

When they say "invest" - it means not just spending money on a bargain, but investing in order to increase your capital - they bring more money to the investor. Capital gains come from the "work" of finance, which is not just under the mattress. However, investments are inherently inextricably linked with risk. You need to take this into account when choosing a way to invest your savings.

Where to invest 5000 rubles?

Even such a meager amount can be invested with benefits for own budget. But the list of areas where you can invest a little money is limited for investors. Only one proposal to raise capital of this size can be considered successful - lending money at interest.

Today, there are various methods to become a private lender:

This way of investing money is easily scalable - you can always increase the amount of investments by issuing new and new loans. Many services have the ability to insure risks.

• Minuses – high risk no return, the need to track transactions.
• pros– grandiose profitability and high diversification of risks.

An investment of 5,000 rubles per year can turn into 6,000 - 18,000 rubles.

Where to invest 10,000 rubles?

Benefits cannot always be measured in terms of money. You can also invest in intangible assets which will generate income later. Yes, you can talk about profitable investments when it comes to spending on education and improving the professional skills of the investor himself.

So, where to invest 10 thousand rubles, if we are talking about self-education? This capital can be spent on your own education: take foreign language courses, attend lectures by specialized experts, attend a series of seminars on relevant topics, or simply buy books and use them in your work or in investment activities.

Such expenses will pay off by increasing the demand for you as a specialist in the labor market, which means growth wages and the acquired skills a novice investor can use for the competent placement of funds in the future.

Where to invest 30 thousand rubles?

Such a relatively a small amount it is profitable to invest with a long-term perspective, so as not to take it out of your own budget large sums on long term. Such long-term income-generating projects can be the following investments.

1. Impersonal metal account.

The depositor gets the opportunity to turn money into gold (silver, platinum, palladium and others) without any extra effort. By placing his funds on such an account, the client owns the equivalent of the amount in these current exchange rate. The price of gold or any other metal is growing, which means that the amount of capital is also growing. But the risk of a fall in the price of an asset still exists, moreover, the difference between the purchase price and the sale price often “eats up” all income. This option is only suitable for investments in the long term - the trend of rising prices for real precious metals is still in effect (sometimes reaching 20% ​​per year), but recessions can last for several months, so it’s better not to plan a quick withdrawal of funds from compulsory medical insurance, but wait for the exchange rate to rise.

• Minuses– dependence on the price of assets in the precious metals market, which is known for its volatility to economic situation, as well as the absence passive income- the benefit can be obtained only after the closure of the CHI and the recalculation of the value of existing assets at the current rate.
• pros- the possibility of obtaining a high income.

In total, for the year of placing funds for compulsory medical insurance, you can get back not 30,000, but 36,000 rubles.

2. Investment insurance.

Less common offers endowment insurance life with payment in 5-10 years or more. During this period, it is necessary to regularly make contributions in the amount of 30,000 rubles a year or more, in order to then receive the entire amount of these funds with accrued interest. Growth is achieved through capital management (10% per annum and more), the minimum payout limit is guaranteed, and the loss limit is fixed by the contract.

• Minuses- a minimum of offers on the market, significant risks and reduced profitability, as well as the need to make regular payments under the fear of losing past investments.
• pros– additional payments in case of accidents and disability, the possibility of returning contributions to heirs.

In total, it can be expected that for each year Insurance Company will increase 30,000 rubles to 33,000 rubles.

3. Mutual funds.

Share investments investment funds possible even with such a small amount. The management company diversifies the fund's capital and distributes risks in order to minimize them. The function of replenishing your account is available. Instead of spending time on stock analytics and Forex trading on their own, the investor delegates this to professionals. Profitability or losses depend, as on qualification management company, and from the market situation and can vary from a loss of 1-5% per annum to an increase of 1-15% per year or more.

• Minuses– high risks of loss of funds in the short term.
• pros- Opportunity to earn high income.

For a year, you can turn the initial investment into 34,500 rubles.

Where to invest 50 thousand rubles?

Having an amount of 50,000 rubles can allow you to be a conservative investor, because. it is already a pity to lose such money, therefore the risks should be minimal. The following solutions can be considered as ideal examples of such investments.

1. Bank deposit.

Deposits today are protected by a state guarantee within 1.4 million rubles, so you should not worry about the loss of funds in the bank, on average, the yield on these products reaches 10-15% per annum, which, in terms of the available amount of investments, will be an increase of 5-7 .5 thousand rubles. The income is really passive and after choosing a deposit, you do not need to make additional efforts to receive the promised income regularly without extra costs.

• Minuses- relatively low returns.
• pros– profitability is still guaranteed, even in conditions of economic instability.

Total for the year, the initial investment will turn into 55,000 - 57,500 rubles.

2. Savings certificate.

A security paper that allows, as well as bank deposit to bring a guaranteed income. The rate of this deposit product is approximately 10% per annum with placement of 50 thousand rubles per year.

• Minuses– low profitability, lack of insurance and passive income.
• pros- you can easily give and change the owner, but, for example, he does not participate in the division of property during a divorce.

Total in a year: 55,000 rubles.

3. Foreign currency.

You can simply exchange "wooden" for foreign currency, and then put it in a bank deposit. Except for how the dollar and the euro were in a fever at the end of 2014, a stable increase in the exchange rate of these currencies is 3% per annum, and now it reaches 5-10% per annum. Additionally, it is necessary to take into account the profitability of currency deposits- 5-6% per annum.

• Minuses– currency risks, low income.
• pros– the availability of insurance, the possibility of obtaining passive income.

In just a year, 50 thousand rubles can first turn into dollars, euros or other currencies, and then again they can be exchanged for an amount of 54,000 to 58,000 rubles or more.

Where to invest 100,000 rubles?

One hundred thousand rubles can be invested in creating your own business, supporting, buying a share in someone else's business, acquiring an asset for rent, acquiring and promoting web resources with their subsequent sale. And you can use this amount for any of the investment methods described above.

The most profitable and risky option for small investments is the issuance of loans through intermediaries or personally, it can bring a yield of up to 20-360% per annum. The risks are especially high in the mutual funds segment - you can get a loss, as well as unstable income from investments in foreign currency and the equivalent of precious metals.

Bank deposits are still the safest and most reliable, besides, they are insured by the state - now they have quite acceptable rates.

In addition, there is an opportunity to make decent money with little investment, without risk and in a short period of time. So, it makes it possible for only 59 thousand rubles to engage in the sale of original dolls made from environmentally friendly, hypoallergenic and safe materials for the health of the child.

Handmade and author's design of dolls favorably distinguishes them from Chinese products and ensures constant demand. Having bought one doll, parents will definitely want to please their child again and again. A high margin of up to 90% ensures a high profitability of sales. You can also sell such toys via the Internet to any region of the Russian Federation.

If you have already decided what to invest a little money in, then feel free to do it. Main - reasonable approach. Whatever investment option you choose, you need to carefully consider all the parameters of such offers and evaluate not only the promised return, but also the level of risks, as well as the convenience of using this method for you.