As is known, in Lately the situation in the stock market has become very aggravated. The depreciation of the ruble did not have a positive effect on the data predicted by experts. Therefore, every person who has his own savings worries about them and looks for ways that can help him save finances due to inflation, and thinks about where to invest money with a guarantee. Indeed, otherwise, what is now of value may soon become pennies. But there is always a way out, and even now, in such a tense situation, a solution to the problem can be found. Investing in various areas will help not only save your resources from depreciation, but also earn on them.

Currency operations

For quite a long time, the dollar has maintained its positions on stock exchange. In this regard, many experts believe that the ideal solution would be to transfer all savings into American currency. Perhaps this move will not only save resources, but also make a profit in the future. This is exactly the option where it is more profitable to invest money.

If a person is ready to risk his finances, then he can try to make an investment by converting his money into euros or dollars. Most main factor that affects the value of a given currency is the cost of oil. In addition, fluctuations in the exchange rate are influenced by political changes on a global scale. Therefore, it is very important, before making a deal, to carefully study all the predicted data and assess the possible risks. And only then decide where it is more profitable to invest money.

It is also worth paying attention to strong conservative currencies. It means something like pounds sterling. But these currencies are more likely to be only a protective mechanism for financial savings. It will be profitable to exchange money later only if you invest in American and European currencies. Given their growth in the future, it will be possible to receive a good amount.

Create a personal project on the Internet

Since the advent of the Internet, the world of business has changed, its horizons have expanded significantly. world economy on this moment undergoing significant changes. And part of the reason is that many are moving their businesses to a virtual environment. Now, according to experts, financing in the service sector, trading business or in the production of our own products is the most risky business in our time. But investing in an Internet project can bring good money.

Online stores, blogs, news portals and forums are now considered the most relevant in this market. If the choice of where to invest money in order to earn money falls on the Internet, but you have absolutely no experience in this area, then it is best to gather a staff. At the moment, there are many IT specialists who can not only develop the site itself, but also fill it with unique, interesting content. It is from this that the attendance of the resource will depend, how much money it will bring, and so on. That is, the more interesting the information is on the site, the more likely it is that the project will be profitable. In addition, it is important that you have promotion specialists working for you. They will be able to bring the resource to the first pages of search engines and attract more visitors. And then this area will really be the one where it is more profitable to invest money.

The main point why the internet is profitable investment is that it has no limits. That is, it does not matter the time of work or geographical location your enterprise. Your clients can be people from any corner of the Earth. That is why a project in a virtual environment is a good investment solution, experts say.

mutual funds

Investing free money in mutual funds is an old technique of people who understand what the market for finance, securities and all that is. Many experts believe that this is the ideal solution for investing money in our time. A scheme of such enrichment has been practiced for a long time, many young investors have made their fortune on such investments.

The essence of a mutual investment fund is that investors collectively invest their money, transferring a power of attorney for their further support to traders with experience in this area. All invested money is going to general fund, then you need to find a project manager who will carry out all financial operations in order to make a profit for all investors.

This option is ideal for people who are just starting their investment activity. Not always available to the average person necessary information about which in different organizations economic indicators. Acquisition of securities is a simple matter, it can be done by any novice investor. Difficulties begin when there is a need to start managing them. A professional trader will tell you which stocks to invest in, or better, in precious metals and other important assets, whose value has temporarily decreased, in order to then regain their own positions in the financial market.

To professionally search for the ideal investment option, you must definitely make an effort and focus on the area that interests you. First, it is important to understand what is world economy and understand all its intricacies. Secondly, you should definitely follow all the news, this is the only way to respond in time to important changes in this area. For an ordinary person, this is quite difficult and it is not always clear what you should pay attention to and how exactly to do it. Therefore, if there is no experience and knowledge in this matter or simply there is not enough time to deal with it, it is better to find a professional specialist and entrust him with financing and investments. You won’t have to worry about the honesty of cooperation with the manager of the company, because all his activities will be strictly controlled by government agencies.

Real estate

Buying a home is one of the surest ways to invest money so as not to lose. Prices for it fall very rarely, and in the case of the center of the settlement they also grow. It doesn't matter if it's commercial or residential. According to experts, the value of real estate will only grow in the coming years. Therefore, investing in this area, you can get a decent profit. This is one of those options where to invest in order to receive monthly income.

The ideal investment option would be to buy a living space and rent it out after all the paperwork has been completed. People who use this method to accumulate capital recommend purchasing several rooms or a couple one-room apartments. Basically, landlords receive from 10 to 20 percent per annum per year. It will take about 10 years for the cost of housing to pay off, and as a result, the apartments will begin to bring a net profit to their owner. But it is still the right option where to invest money in order to receive a monthly income.

This investment tool will be useful for those who have a good start-up capital. The idea is not new at all, so it has long established itself as a good investment option. After all, it turns out that the landlord receives a monthly income from each acquired area.

The main disadvantage in the decision to invest in real estate is the high cost of investing in this area. In addition, during the transaction, unforeseen problems may arise that will have to be addressed. But still, such investments are a guaranteed investment option with long-term profit.

The biggest risks in investment projects

For people who want to get a big return on their investments, it is very important to be able to see the prospect of the project. Only by learning to distinguish between profitable deals and fraudulent schemes, you can start making investments. There are projects in which it is not worth investing money under any pretext.

You should avoid all kinds of HYIPs, or, as they are also commonly called, financial pyramids. A well-known example of such a scam is MMM. Only the creators of the pyramid can withdraw huge money from such a project, while the rest become bankrupt in about a year. Experts strongly do not recommend investing in such schemes.

Also, an investment in an online casino will be of poor quality. This is a very common type of investment failure, as many people put almost all their savings into these projects and end up with nothing. After all, it is almost impossible to win in such a casino, according to at least a large amount. But you can spend everything in the hope of still getting the jackpot. The main scheme of such a business is that people who are prone to gambling invest money there, and at the right time they are not able to stop psychologically, therefore they lose everything they have.

These are the two most common schemes where novice investors are offered the notorious “cheese in a mousetrap” almost for free. But our world is arranged in such a way that easy money does not bring a stable income, but, on the contrary, provokes a person to lose everything that he has. Do not pay attention to flashy advertisements and confidential slogans. It is better to consider more serious and reliable options for where it is more profitable to invest money.

precious metals

Purchase precious metals- this is perhaps one of the oldest and most common ways of investing financial resources. Most often, the choice of investors falls on the purchase of gold. At the moment, it can be exchanged for money in banks, and it is measured in bars. Usually the price of this precious metal jumps, but despite this, all investors in this direction have a profit from such an acquisition, and quite a good one at that.

It should be borne in mind that transactions of an impersonal type will allow you to purchase gold without paying taxes. It doesn't matter if you buy it or sell it. But if you decide to buy an ingot, then you will have to pay 18 percent of VAT to the state.

Now it is popular to buy not only gold bars, but also other metals. The most common are silver and platinum. You can make a profit from such acquisitions if their value on the world market begins to rise. If you are afraid that you will lose money due to inflation, then gold is the best investment. It is only worth considering that the transaction should be carried out when the cost of the metal is at its lowest level. Such an investment may not pay off immediately, so it is best to invest free money in it.

Investment in art

If the question is where to invest money in order to earn money, then it is worth considering the option of investing in works of art. The main thing that is needed for this is to have an idea about this area and to understand it well. Also, the need for a constant presence at various auctions and exhibitions will fall on your shoulders, because you will have to look for buyers who want to buy this thing.

This type of investment has its pros and cons. It's no secret that you can buy and sell an object of art. Moreover, anyone can make such a deal, no matter how old he is or what status he has.

No special permits or documents are needed to make an art purchase. If necessary, you can use the services of a professional who is well versed in the art, who can assess the value and confirm the authenticity of the future purchase.

The crisis is considered the most profitable time for such investments. It was at this time that many people, having gone bankrupt or having significantly lost their fortune, begin to give away such things at a low cost. The main disadvantage of investing in art is the long-term profit. Sometimes finding a buyer can take years.

Own business

It is very profitable to invest in the development of your own or someone else's projects. According to experts, this is one of the most effective ways profitable investment. Of course, this area is one of the most profitable, but in order to achieve a positive result, you will have to work very hard and seriously address the issue. And do not miscalculate in which business to invest money.

Experts say that the first and most important step in this matter is to estimate the initial investment amount. It is on its basis that it will be possible to make assumptions about whether it is rational to invest in this project, and whether it will be profitable or unprofitable.

Also, the profitability of such an investment is affected by many external factors, the main ones among which are competition, dishonesty of suppliers and employees, as well as constant changes in the country's legislation. The main thing is that the money invested in the business brings net profit.

As for the question of what kind of business can be started with a small amount of investment, there are several banal options. First, you can try to open a grocery store or offer services for the production and installation of windows and doors. Secondly, you can try to organize a personal farm by buying land plot V countryside. There can be a lot of options where to invest a little money, the main thing is to understand what you would like to do and make sure that this is a really profitable business that is worth investing in. If you are not well versed in the issue, it is better to use the services of professionals who can advise you on the best option.

Bank deposit

IN last years A very common option for protecting money from inflation is the decision to profitably invest money in a bank at interest. In any case, it will not be possible to earn a lot of money on such an investment instrument, but inflation will definitely not be able to spoil the mood.

If you still have not decided where you would like to invest your money, you should consider this option. The main thing is to find in which banks it is profitable to invest money. We need to look for those structures that can survive any crisis. The easiest way is to work with private organizations. If there are such people in mind, then you can go there and open a deposit account at interest.

Naturally, there are risks of such a decision where to invest money. Expert advice - open a deposit for no more than three months, but at the same time indicate in the contract that you want to capitalize interest and want the prolongation to occur automatically. Be sure to clarify that you reserve the right to receive your money back at any time if necessary, even if the deposit has not yet expired. Only in this way will it be profitable to invest money in a bank at interest.

If it works stably, then good dividends await you. If there are any problems or there is a risk of bankruptcy, then it will be possible to withdraw money and open a deposit in another, more reliable place. If we take deposits into account, then this is a good option for where to invest money. Expert advice - carefully read all the contracts and follow the news about the state of the bank.

conclusions

The global market is now quite unstable, so it is important to be able to make rational decisions in times of crisis and be able to work and adapt to a variety of changes in the economy and legislation. Having considered many options, we can safely say that it is possible and necessary to save money from inflation and even make a profit from it. But it is very important to understand the area that will become the main one after funding.

Only by understanding what you are dealing with, you can achieve positive results. In addition to positive aspects, there are also negative ones: these are multiple pyramid schemes and other fraudulent schemes that can cloud the mind of a novice, inexperienced investor. Therefore, without experience and the ability to understand business, it is best to hire specialists who are able to soberly and sensibly assess risks and choose the right decisions regarding all investment operations.

The world market is growing every year, and many new, promising areas for investment have recently appeared. Therefore, beginners and not only investors have a place to turn around. The main thing is to objectively assess your capabilities and calculate all the options for the development of events so that the investment turns out to be profitable, not unprofitable.

One of the most affordable options "where to invest on the Internet", and sometimes very profitable, is. Then you can look towards the creation or ready-made Internet sites (online stores) for the purpose of further earnings or resale. The purchase of shares (shares) in already existing Internet projects also refers to investments, although they are quite risky, because. You don't know until the end what real goals the organizer is pursuing.

Despite the obvious availability, I do not recommend investing in HYIPs, lending (credit exchanges), binary options, sports betting, because the risks are extremely high. As a rule, in the options proposed above, it is possible to work using electronic payment systems, such as Webmoney, Yandex.Money, Perfect Money, QIWI and others.

Where to invest 100,000 rubles (dollars, hryvnias)

The first thing to do is to identify the risks. If the main goal is to try to keep your savings, more conservative options are suitable, for example, bank deposits, buying precious metals on long term, investment in antiques. With an amount of 100 thousand dollars, you can add the option of buying real estate.

Considering more profitable, but also more risky options “where to invest 100,000 rubles”, you can pay attention to the purchase of companies (Gazprom, Google, Yandex, etc.), , ( trust management). You can read more about the pros and cons of these options in the article above.

The richest people (video)

The real incomes of the population depend on nominal accruals and the level of inflation. The latter increased by 3.2% in 2017. The growth of nominal accruals is less than the pre-crisis level. A Russian with an average income can pay his living expenses, but he will not have the funds for travel or for a quality vacation. Therefore, many people think about where it is profitable to invest money.

Where can you invest money today?

The issue of investing funds is very relevant today. Experts advise investing in large projects just after the stabilization of the ruble exchange rate in the market. Investors with small capital also have interesting options.

Along with forex and the stock market, binary options are gaining more and more popularity. If the investor guesses the direction of price change, he will receive a profit of 50 - 75% of the rate. Other popular destinations include cryptocurrencies, mutual funds, PAMM accounts.

About earnings from financial market a lot has been said before. But such a direction as making money from online games is only gaining popularity. For registering in the project and completing simple tasks, the player receives income and bonuses. This option of earning can be considered as a way of temporary part-time work.

Investments in bank deposits are still being actively discussed. It is a risk-free and low-return investment. Banks are also actively promoting deposits in precious metals, both in the form of bullion and OMS. In the long run, these investments are profitable. The question is whether the inverter is ready to wait several months until the metal price changes.

How to choose a win-win option when investing money

It is worth noting right away that there are no risk-free investments. If the bank fails, depositors may lose their savings. Investors can only reduce the level of risk to a minimum.

What Experienced Investors Look For

Experts advise considering as many promising ideas as possible in the process of choosing an object. Then analyze in detail the profitability of each direction.

When choosing an object, the ratio of profitability and profitability should be taken into account. Before freezing finances for a long time in real estate, you should analyze the profitability of a similar object.

Experts advise relying only on one's own strength. Only accumulated funds should be invested. If you cut expenses by 30% and increase your income by 20%, then people with average incomes can save $1,000.

Investment diversification

You need to invest in different objects, assets and markets.

According to the rules of risk management, approximately 60% of the capital should be directed to risk-free assets. Investing in precious metals has always been popular. Investment risk is minimal. The payback period depends on the price dynamics, but on average it is 1-2 years.

The rest of the funds can be invested in stocks and bonds. If there is no knowledge, opportunity or time for training, then it is better to entrust funds to mutual funds. The bank, as an asset manager, will select the best bonds for investments, and will itself execute and carry out the purchase and sale procedure. You will have to pay a commission for trust management.

Calculation and control of risks

To understand in which direction to move, you need to clearly monitor the current situation. To do this, you need to keep a diary in which all investments in objects and the income received are recorded. For stock traders and currency markets even a special diary of transactions has been developed. After all, the trader's net income is the profit from the transaction minus the broker's commission.

Investors in the real estate market should pay attention economic situation in the country. In a crisis period, it is easier to buy an object at favorable price, wait for the market to stabilize and then implement it.

Money has to work. Therefore, while the investor is studying promising areas of investment, his savings should be left on a bank deposit so that they do not depreciate.

The so-called risk-free areas of investment are intended more to suppress inflation. Interest rates on deposits barely exceed the average annual price increase. But this scheme of earnings brings a stable income.

Interest-bearing bank deposits

Banks accepting deposits from individuals must be members of the insurance system. Then, in the event of bankruptcy of the institution, the depositors will receive their savings in maximum amount 750 thousand rubles When choosing a deposit program, you should check whether the financial institution has a license from the Central Bank and whether it is registered with the DIA.

Russians trust their savings government agencies: Sberbank and VTB Group. These banks are market leaders in terms of the number of attracted deposits. However, users in their reviews complain that it is rather difficult to terminate the contract prematurely, and the level of profitability in these institutions is 2-3 p.p. below the market average.

Real estate: letting, rent

The safest investment option is to buy real estate. Moreover, it should be purchased precisely during the crisis period, while market prices are understated. Many investors consider this direction as a way to save money. In times of crisis, the object can be leased and rented.

Investing in real estate, as a way to increase capital, requires knowledge, experience and the availability of funds. Otherwise, funds frozen for a long period of time will not bring income. In the second case, it is worth investing money at the stage of laying the foundation. Then, by the time of delivery, the cost of the object will increase by 2.5-3 times.

Investing in small and large businesses

People with an entrepreneurial streak and promising ideas are best off investing in their own business. To implement the project, you will have to draw up a detailed business plan, evaluate your competitive advantages on the market and on their basis to think over advertising. In the process of implementing the project, the entrepreneur will have to carry out all the work on his own. As the business develops, it will be possible to hire assistants. Investing in your own business has one serious drawback - the entrepreneur will have to take on all the risks of implementing and implementing the project. Or find co-investors. In the second case, the profit will also have to be shared with partners.

Old methods of investing bring little profit. Those who are looking for innovative tools should pay attention to such offers.

stock markets

Investing in the stock market will be beneficial for those investors who are going to freeze their funds for a long time. Intraday speculative trading is a separate profession that takes a long time to learn. To work on the stock market, you need to open an account with a broker and, at a minimum, familiarize yourself with the operation of the platform.

The advantage of this method is that you can make transactions not only at your own expense, but also borrow money from a broker and open "short" positions in the market. Upon completion of the operation, the trader returns the borrowed funds to the broker, and keeps the interest income for himself.

To work on the stock exchange without a broker, you need a capital of several thousand dollars. This option is not available to everyone.

Forex

Forex trading can be done by beginners without experience. Brokers develop structured products for their clients. Their essence lies in the fact that the investor distributes his deposit between risky and risk-free investments. The basis of the investment portfolio is not only precious metals, but also popular raw materials (oil, corn, sugar, etc.).

The investor chooses an investment scheme based on:

• the level of deposit protection (what share of the capital the broker undertakes to return in any market situation);
• the participation rate in each direction of investment (according to this indicator, investments are divided into risky and risk-free).

Online games, casino, poker

The most popular methods of making money on online games today are very risky. By participating in games, you can win several times a small amount money. But you won't be able to make a living playing casino games.

They use several schemes to defraud money:

"A win-win combination." With this phrase, scammers attract newcomers' money to casino resources, which, according to their calculations, can bring good income. Moreover, the information is provided absolutely free of charge.

Program Vulnerabilities. With this approach, scammers are trying to lure out money for developing a unique code that will help beat the casino.

Where to invest 100,000-500,000 rubles to earn without risk

Amounts of several hundred thousand rubles are better to invest in real estate, construction and antiques.

Acquire objects in the segment luxury real estate follows at the stage of laying the foundation. Every year, the return on investment will increase by 7%, not counting the market value of the object. By the time of commissioning, the cost will increase by 2-3 times.

For half a million rubles, you can buy a franchise. In this case, the license holder provides full support: consults in the process of manufacturing products, searching for distribution channels, decorating premises, paying advertising costs, and conducting staff training. You will have to pay monthly royalties (rent) for receiving such consultations. In 70% of cases, such expenses are fully paid off in six months.

You can also invest half a million rubles in your own existing business. It is not recommended to invest money at the development stage of the project due to high risks. It is better to use such funds to strengthen market positions and develop new segments. Achieving this goal is easier for an organization with a good reputation than for a startup.

Another option is to open a deposit in one of the investment banks. Interest rates at European financial institutions are higher than those of Russian ones. However, funds will have to be frozen for a year. When early termination contract income is recalculated at the minimum rate.

If you are thinking about where to invest your money, then pay attention to the following options. These ways of investing bring good returns in the long run.

Investment in precious metals

It is better to invest in precious metals through a banking institution, otherwise there is a chance to run into scammers. It is better not to take the purchased ingot from the bank. If the box or metal is damaged, then it will be difficult to sell it. In addition, when selling an ingot, you will have to pay VAT. If the value of gold does not increase by 18%, then such an investment will be unprofitable. Therefore, you need to invest in bullion for at least 5 years. In the short term, it is better to invest in an unallocated metal account. The profitability of such investments is less, but you will not have to pay taxes when closing an account.

Investing in cryptocurrencies

Imagine a house with a lot of locked apartments. Each of them contains a coin. You need to sort through all the keys to open the door and get money. The same is the case with cryptocurrencies.

There are digital encrypted money (Bitcoin, Litecoin, etc.). To get them, you need to go through many combinations. A limited number of coins creates supply and demand. In 2014, the value of Bitcoin increased 100 times and then decreased. The main disadvantage of this way of investing is that there is no guarantee of price growth.

Cumulative life insurance

Many of you have probably heard of such a service as life insurance. But not everyone knows that this tool can be used to invest funds. essence accumulative insurance consists in the fact that first the client transfers a certain amount to the fund, for example, $ 400 per year. This process continues for 5 years. At the same time, the life of the client is insured against accidents, injuries and disability. The difference between the service and ordinary life insurance is that if an insured event has not occurred within 5 years of the contract, the company returns all invested funds to the client. And additionally pays 4% per year for the use of money. The client will invest 2 thousand dollars, and after 5 years will receive 2.253 thousand dollars. The income is small, but guaranteed.

Mutual funds

Mutual investment funds are characterized by an attractive risk/reward ratio. The client transfers funds to a management company, whose employees independently choose the areas of investment and invest them in various assets (securities, real estate, etc.). In Russia, many banks provide this service - Sberbank, Raiffeisen, VTB, etc. The return on a deposit is higher than a bank deposit, but there is no guarantee of income. During the year, the company can make a profit or loss. Therefore, only large mutual funds should transfer money for management.

Put money on deposit

Existing clients of a financial institution can open a deposit without leaving home. To attract customers on online deposits, banks charge more than high percent(due to savings on the execution of a paper contract). To terminate the contract ahead of schedule, you will have to contact the financial institution. If the client has not applied for funds at the end of the contract, it is automatically extended. The main advantage is the money back guarantee. The possibility of concluding a transaction via the Internet is a new competitive advantage.

Private lending

In this case, the investor acts as a lender who lends funds to the borrower and receives a percentage fee for this. The level of profitability is regulated by the lender independently. Interest can be accrued even daily. The disadvantage of this method is the risk of running into an unscrupulous borrower. In this case, it is almost impossible to return the funds. Due to the lack of complete information about the borrower, his actual place of residence, it will not be possible to collect debts through the court. You can start working in this direction through the Webmoney loan exchange.

Investments via the Internet

You can buy a site that already earns good income from advertising, affiliate links, paid services. But to manage such an asset, special knowledge is needed. Otherwise, the site falls under the filter search engine and investments will be unprofitable.

An equally risky, but more interesting option is to invest in a startup. Developers interesting projects usually there are no funds for their implementation. So they draw up a business plan and approach investors. The profitability of the project can reach hundreds of thousands of dollars, but the level of risks associated with such projects is high. According to statistics, 70% of such projects leave the market. Therefore, experienced investors finance several projects at once.

How much can I start investing

You can become an investor in the forex market with 100 rubles in your pocket. The main thing is to have a desire to receive additional income. Then it will be easier to set aside 10% of all income for investment. Gradually, creating savings will become a habit and there will be no desire to increase expenses with income growth.

In order to receive income from the stock market, it is more expedient to open an account with 30 thousand rubles. on hands. Where does this number come from?

The cost of a lot of securities costs an average of 1-5 thousand rubles. The basic principle of competent investment is to diversify investments, that is, purchase stocks and bonds of different companies. The initial deposit amount does not matter. You need to learn to observe this principle from the moment the first transaction is made.

Funds should be distributed between risky and risk-free securities. The majority of the investment portfolio is made up of fixed income bonds. The share of shares should be calculated so that fluctuations in quotations do not exceed the yield of bonds. This approach will allow you to create a portfolio in which the risks of losing funds are minimized.

Taking into account the described rules, the investor decides to buy 4 shares at 2 thousand rubles. The risky part of the portfolio is 8 thousand rubles. The share of bonds in the investment portfolio should exceed 70%, that is, another 27 thousand rubles. It is better to invest in the stock market with a capital of at least 35 thousand rubles.

Investing money with an investor

You can become a business owner without large sum capital. It is enough to find several investors who are ready to invest in the project and become a co-owner of the business (shareholder, shareholder, shareholder). The founders share profits and losses in proportion to their contribution to the capital of the enterprise. You can become a co-owner of a business by buying a stake in an LLC, shares in a company, or joining a mutual fund.

The right to receive part of the profit is not a guarantee of a return on investment. By acquiring a part of the business, the entrepreneur runs the risk that the invested amount may decrease significantly. The reasons can be different: mismanagement, market crisis or changes in market conditions. That is share in investments does not guarantee a return of funds. However, the profitability of such projects over certain periods of time can be two or three times the amount of the initial investment.

The largest companies in the world appeared precisely thanks to equity participation in business. In practice, a situation often arises when one investor contributes almost the entire amount, while the other simply manages the company. Because the financial results is divided between business participants, it is advisable to stipulate and fix the share participation of each of the partners in the contract.

No country in the world can produce absolutely all goods, and Russia is no exception. More than half of export earnings come from oil sales. For foreign currency, you can buy those goods that are not enough in our country. Companies purchase foreign currency for rubles in order to then import goods. The more foreign exchange, the cheaper it is (the exchange rate of the ruble increases). And vice versa. Therefore, on the eve of the new year, when goods are sold in large quantities, including imported ones, the dollar and euro increase in value. At this time, the currency should be sold to those who bought it during the year.

Gold is a resource, the amount of which is limited in the world. In the long term, it makes sense to invest in this precious metal in the form of bullion. However, when selling them, you will have to pay VAT. Alternatively, you can issue a gold bank deposit or open OMS. For short-term investments, it is better to buy gold futures.

Experts advise beginners to refrain from working with cryptocurrency. If it brings such a high income, then there is a risk of losing funds. Any national currency there is a country whose events affect its value. Virtual money does not have this characteristic. Therefore, investing in cryptocurrencies just because it is fashionable is not worth it.

How to save money from inflation

The growth of the foreign exchange rate in the pre-New Year period will be accompanied by a depreciation of the ruble. How to keep your savings?

Don't keep them at home. So that savings do not turn into "dead weight", you should open Bank deposit, preferably in several currencies at once. Unlike Europeans, 40% of Russians prefer to keep money at hand at home. Those who do not trust commercial banks should open a deposit in a state bank.

Buy imported goods. During the period of devaluation of the ruble, import goods rise in price first of all. If you have not yet decided on an investment object, do not trust banks and do not want to lose the real value of your savings, buy what you have long wanted (car, washing machine, etc.).

Savings can be invested in precious metals. Indeed, during the crisis period, their value increases. It's not just about gold or silver bars. Today in banks you can buy rare and expensive coins made of platinum and palladium. Don't invest in jewelry. The share of precious metals in their alloy is very low. You can quickly sell them at the price of scrap.

Where not to invest

No matter what level of income the financial pyramids promise, it is impossible to invest in them.

In particular, HYIP funds that are popular today are an example of financial pyramids. Fraudsters attract naive investors with a beautiful site and the opportunity to receive a large percentage income (50-250%) in a very short time (from one hour). The average life span of such funds is one day. Profit from HYIP is received only by their creators.

Much has been said in the past about investing in real estate and the stock market. In no case should you invest borrowed funds in these assets. And it's not about strategy or experience. From a psychological point of view, earn on borrowed funds very hard and no one succeeds. Such trade brings only a loss.

Buying real estate on credit in anticipation of a crisis is risky, if only because banks can increase interest rates by mortgage. The overpayment on the commission completely eliminates the difference in price. Such an investment brings only a loss. Investing in a car is not profitable under any circumstances. Vehicle, which left the gates of the auto center, immediately loses 30% of the cost.

We hope this article was helpful to you. If you know other good options for where to invest money and make money from it, share your thoughts in the comments.

Money depreciates over time, i.e. loses its purchasing power due to inflation. This process happens all the time. That is why keeping your savings under the mattress is unprofitable and unreasonable. Funds must be invested profitably. Only in this case they can be preserved and increased.

You should not think that it is profitable to invest money in Moscow or another city in the country only wealthy people. Every person should be able to properly manage their savings. At the same time, the main danger for any investor is the lack of information. That is why it is necessary to study in detail the experience successful people, basic rules for investing money, expert opinions and so on. You should start your journey by reading this article. If you are interested in information on how to work with online investments, then follow the link. Important: come back, there is a lot of useful stuff here!

Basic principles of investment

There are 5 basic principles, which should be followed by every person who wants to get a good return on investment of money with the least risk. They are formulated taking into account the experience of the world's leading investors. Ignorance or neglect of these rules can be costly. Let's examine each principle separately.

Principle 1. Create a financial cushion.

Without a definite financial base It is strictly forbidden to invest money. The only exception is a bank deposit. After all, it is rather not an investment, but a savings instrument. Investments are often associated with risks, when investing money you must be aware that there is always a chance of losing it.

What is a financial cushion and how to create it? We are talking about a six-month supply of money on which you and your family can live, maintaining the usual standard of living without other sources of income. To create such a pillow, you need to regularly save financial income (for example, salary) or sell existing property.

If your family spends 50 thousand rubles a month, you need to collect at least 300 thousand rubles. Only then should you think about what you can profitably invest in.

It is worth noting that you can engage in profitable investment of money without a financial cushion only if you have passive income . They call it a flow of incoming funds that does not depend on daily efforts. This can be income from your own business, renting out an apartment or dividends on shares.

Principle 2: Diversify your investment.

For money to work correctly, think about what it can be invested in in order to comply with the principle of diversification, that is, separation into different instruments. This concept is probably familiar to you. In other words, it means "don't put all your eggs in one basket". After all, if it falls, you will be left with nothing. The same will happen with your funds if they are invested in one project. Always adjust your investment portfolio: let's say your investments have grown over the year in one of the industries. Then you need to add part of the money to other projects so that the invested finances do not accumulate in one area

Diversification involves investing money not only in different financial instruments but also in the economic sector. For example, if cash invest in the stock market, build your portfolio so that they work in companies of different sectors.

What is an investment portfolio? It is the totality of all assets of the investor. If you have invested in a business, stocks, real estate, all these profit-making tools will be called an investment portfolio.

To make it as resilient as possible to market changes, it is recommended to distribute savings between the banking, oil and gas, manufacturing, agricultural and food sectors. If one area suffers losses, the rest will “pull” funds up and will not give investment portfolio sit down.

Principle 3: Control risks.

Risks are main problem faced by all investors. Before investing, think about how much investment you can lose and where you can compensate for it. Only after that it is worth predicting the possible profit.

Unfortunately, novice investors make the same mistake. Having overestimated their strength and experience, they immediately choose aggressive investments instead of investing in more conservative instruments. As a result, the investor loses all his savings.

Profitable investment of funds is the same science as any other professional business where a serious approach is required. That is why it is necessary to evolve in this direction gradually, moving from simple to complex.

Start with $100 or $1,000. You should not invest large amounts, especially in something that you know little about. Never take loans or loans with the hope of multiplying them in some super profitable way. In 99% of cases, this ends with the loss of the entire amount and debt obligations. Agree, no one wants to be in debt for 500000 or even 1000000 rubles

Thus, do not rush. Future millions will not run away if you take the time to become a good specialist in this area. Otherwise, it is impossible to earn a lot of money.

Principle 4: Attract co-investors.

As experience is gained, funds can be invested together. So you get more opportunities and can choose the most profitable investments.

For example, do you know about profitable and reliable project or tool, have available funds, but they are not enough. Then it is worth finding people who are ready to support this investment idea and invest on a parity basis with you.

Recently, trading accounts have become a fairly common topic. IN this case people transfer their savings to a professional manager for trust management. However, he cannot dispose of them on the right of ownership. Funds can only be used for profit. The manager receives a percentage of it as a reward for good work.

Thus, several investors can create a trading account and transfer it to trust management. They take all the risks in proportion to the money invested. At the same time, investors can agree with the manager that he stop working when he receives losses in a specific percentage.

IMPORTANT: If we sum up such a scheme, we can see that the experts agree that better investors willing to donate, for example, 15% of their savings to earn 30%.

Principle 5. Create passive income.

Capital increase is very good. However, it is equally important to create passive income from investment activities.

Let's say you invested 100 thousand rubles in 2018, and after 1 year, in 2019, you received 130 thousand rubles. In this case, the income is 30%. But there is no guarantee that next time you will receive the same amount. It should be borne in mind that a yield of 30% is much better than a bank one. This means that the risks are also higher. If something goes wrong, you could lose all or most of your savings.

ADVICE: On the other hand, if for 100 thousand rubles you could create passive income for yourself (for example, the same 30 thousand rubles a year), you can easily take a loan for the same amount. These funds should be invested more conservatively. Asset and passive income will act as a guarantee of the return of the borrowed money.

How much can you start investing?

You can start investing in Moscow or any other city in the country with any amount. If as investment instrument you have chosen a bank deposit, earnings on the Internet or shares, even 100 rubles will be enough.

What to do if there is no money at all? In this case, you need to start saving at least 10% of any income. Thus, the habit of creating a financial reserve for oneself will be formed. As income rises, savings will increase proportionately. The invested funds will work, and you will rest.

Everyone is talking about saving money. famous people who teach the correct handling of finances and show by example where it is better to invest. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.

Unfortunately, as their income increases, many people spend even more. Some even take out loans because they don't have enough money all the time. In this case, it is impossible to become a successful investor and earn the desired amount. That is why you need to constantly monitor the balance between income and expenses, live within your means.

Where to invest money to make it work?

Today you can find a lot of information about where to invest. There are both traditional and more modern methods.

Banks

A bank deposit is the most popular way to invest your money. However, the income generated is barely comparable to the rate of inflation.

The advantages of this method include:

• high reliability;
• high liquidity;
• the minimum threshold for investing money;
• simplicity and clarity of the investment instrument.

Disadvantages of a bank deposit:

• low profitability;
• loss of interest early withdrawal funds.

Real estate

You can invest in residential or commercial real estate. Of course, in the second case, you can earn more. However, to buy commercial real estate great knowledge is required.

Pros:

• the opportunity to earn money on the difference between the cost of buying and selling;
• the opportunity to receive passive income by renting out real estate;
• protection of funds from inflation;
• the opportunity to invest in real estate for their own needs.

Minuses:

• low liquidity;
• high entry threshold;
• susceptibility of objects to mechanical damage.

Mutual funds

Such organizations are a form of collective investment and use the funds of individuals. In other words, mutual funds take the money of shareholders and purchase shares of certain companies for them. The profit received is distributed in proportion to the contributions of the participants.

Mutual Funds Advantages:

• interest at the end of the reporting period is often higher than in a bank;
• a wide range of investment instruments;
• small initial investment.

Disadvantages of mutual funds:

• the complexity of the process of investing funds compared to bank deposits;
• relatively high risks.

Trading accounts (Forex market)

In this case, the money is transferred to the management of a professional trader. He commits currency transactions in the Forex market. At the same time, account holders can control their savings and, if necessary, stop the work of the manager and withdraw the money earned.

Pros:

• small entry threshold;
• high profitability;
• the ability to change the manager at any time;
• the possibility of withdrawing money at any time;
• no need for special skills and knowledge.

The only disadvantage of trading accounts is high risks. Each manager can lose funds, regardless of his experience.

Binary Options

In this case, the trader determines whether the value of the underlying asset will be higher or lower than its current price by the time of expiration. If the forecast comes true, he makes a profit. Very simple and fast way earnings, however, the risks are appropriate: without a clear strategy, you should not thoughtlessly invest.

Pros:

• a large selection of trading instruments;
• the possibility of planning potential profits;
• the ability to trade anywhere and at any time;
• simplicity and short-term trading;
• small entry barrier.

Minuses:

• high level of losses;
• no possibility of early closing of the transaction.

Issuance of microloans through the stock exchange

In this case we are talking about P2P lending, that is, when the lender and the borrower are ordinary citizens. They cooperate through various exchanges without the participation of banks.

Pros:

• a small entry threshold is set;
• the lender independently decides to whom and under what conditions to issue money;
• access to the system and work with clients are carried out around the clock;
• the lender can diversify capital, that is, consider an unlimited number of applications and conclude any number of transactions.

Minuses:

• insufficient protection of investors (often they have to independently chase people who do not repay loans);
• the inability to fully verify the solvency of the borrower;
• many exchanges are HYIP projects.

Business

Do you have an entrepreneurial spirit and some commercial experience? Then own business can become the most profitable investment. There are also certain risks here. However, the investor can flexibly manage them, since he makes decisions on his own.

Pros:

• the investor independently manages the funds, building and optimizing business processes;
• it is quite easy for a business to find a pool of investments, which allows you to raise additional funds;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risks of loss of funds;
• low liquidity of many assets;
• the need for personal participation in the conduct of business.

Securities

The use of this tool requires professionalism and skill. There are many examples where the shares of some firms have grown several times in a short period of time. However, there are hundreds of other organizations that have gone bankrupt. Nobody advertises this. There is no guarantee that the money invested will bring a profit.

Benefits of securities:

• you can get high profits;
• you can independently come up with an investment scheme;
• you can invest even a small amount of money;
• the resulting profit and loss depend only on the investor.

Minuses:

• certain knowledge is required;
• expected income is unstable.

precious metals

Precious metals have always been highly valued, and their value is increasing every year. That is why this method is one of the most reliable. Money can be profitably invested in gold, silver, platinum and palladium.

Pros:

• Availability various forms investment (bullions, coins, compulsory health insurance, securities backed by precious metals);
• relative exchange rate stability;
• preservation of the value of metals for a long time;
• protecting funds from inflation.

Minuses:

• relatively low level of liquidity;
• slow growth in value;
• high tax on the purchase of bullion;
• high spread when purchasing coins;
• at opening CHI receipt profit is possible only in the case of an increase in the cost of the metal.

Art

As investment asset paintings, sculptures, antiques, retro cars and so on are considered. Money invested in art can be easily withdrawn by selling exhibits at auction.

The advantages of this method:

• the opportunity to get super high profits;
• increased resilience to economic and political shocks;
• minimal risks.

Minuses:

• large entry threshold;
• low liquidity;
• the difficulty of assessing the cost and authenticity;
• long term investment.

Venture funds

Venture funds accumulate on their accounts the funds of investors who invest in the development of startups. The most popular are innovative and high-tech projects, because their prospects are much higher, and high-tech startups require initial capital to get started, but the revenue is much higher.

Advantages:

• maximum return on investment of money if the project is successful;
• small entry threshold;
• opportunity to gain useful experience.

Flaws:

• big risks;
• relatively long time for the project to reach self-sufficiency.

HYIPs

- This investment fund working on the principle of a financial pyramid. In this case, the money is paid out from the funds of new investors. How to make money in such projects can be easily found on the Internet, this industry is built on advertising noise and each developer tries to make the project as accessible as possible.

Pros:

• crazy profitability (1-3% per day);
• high rate of profit;
• low entry threshold;
• complete anonymity of all participants in the process.

Minuses:

• high level of risk, since it is difficult to predict the time of the HYIP;
• lack of a chance to return the lost funds.

Cryptocurrencies

- this is the same money, only in digital format. We are talking about Bitcoin, Litecoin, Namecoin and so on.

Pros of investing in cryptocurrency:

• the opportunity to earn on the exchange rate difference;
• small commissions for transactions or their absence;
• small entry threshold;
• uncontrolled exchange of money between users.

Minuses:

• high volatility;
• lack of guarantees for the safety of funds;
• certain knowledge required.

Sites under CPA

If you are looking for where to invest money, you can also choose to invest in an information site, forum or blog. It must be created for a CPA affiliate program. These sites host thematic traffic and affiliate links. The owner receives money for a certain user action (for example, buying a product, watching a video, downloading a file, filling out a questionnaire, and so on).

Advantages:

• various actions are paid, and not just the purchase of goods;
• you can choose several partners at once;
• affiliate links can be placed even on sites with low traffic.

Flaws:

• non-transparency of relations between partners of the CPA network;
• possible payment failures.

MFA sites

MFA sites are designed to make money on contextual advertising Google Adsense.

Pros:

• high cost per click due to competition among advertisers;
• minimum requirements for sites;
• availability of analytical tools;
• the speed of adding a site to the system.

Minuses:

• the minimum withdrawal amount is $100;
• earned funds can be received only by depositing a personal check sent by mail for collection;
• there is a risk of blocking the account.

Such sites are created to sell rental or permanent links. This way of earning was very popular in the past. However, today there is a decrease in income due to increased risks for buyers.

Pros:

• instant income;
• ease of earning;
• constant rise in prices.

Minuses:

• the risk of falling under the filters;
• decrease in the relevance of links;
• permanent decline.

Phone applications

The easiest way to make money is on simple phone applications that can help in some way in life. They can also combine helpful information on a specific topic. In addition, these may be free apps, in which you can buy something during use.

The advantages of this method:

• the investor needs a small amount of money;
• you can make good money if the application is unique and useful;
• invested funds are almost impossible to lose, because everything depends on your efforts.

Flaws:

• a good idea is required;
• it takes a lot of time and effort.

This method can be called very good. However, it is precisely ideological active performers that are needed. Making money online is very promising direction, if you pay due attention to it and approach it as a serious investment. 95% of publics are now “dead”, their owners have spent own funds for advertising and promotion, but they did not receive the expected profit due to a frivolous attitude to the project.

This method has the following advantages:

• creating a public is very simple;
• investments are required only at the initial stage;
• You can earn on advertising or selling public.

Flaws:

• you need to publish material regularly;
• you can get a ban from the moderators.

Investing in your development

If you want to invest money, choose to invest in your development. This is the most profitable and risk-free way. If you do not invest in your development, everything else is practically meaningless.

Advantages:

• the benefit reaches 100%;
• risks are reduced to a minimum value;
• so anyone can invest.

There are practically no disadvantages to this option. You must be prepared for the fact that self-development will require a lot of time and effort.

Where not to invest?

Almost every person at least once in his life heard about making money in an online casino. And if not, then you have probably come across ads that promise crazy profits without much effort. You only need to go through a simple registration, and then proceed according to a strict scheme. What is its essence? You need to place a bet. If you lose, it is doubled and bet again on the same color. According to the martingale law, victory will definitely await you soon. If the casino allows you to win, you need to immediately change the color. After that, the player acts according to the already familiar pattern. He bets money, loses it and doubles down. This continues until the person runs out of funds or wins.

Among the methods of making money on the Internet, there are different casinos. Some of them take 10-15% of the profits, and redistribute the rest among the players. However, there are not so many of them. Most online casinos take everything and just pretend to play. They work for a while, get paid, and then disappear. Soon such casinos will start their activities again. However, they are now operating under a new name and using a different website. How to make money under such conditions is a big question. The main difference between the casino is that everything is decided for you even before the bet, keep this in mind.

I do not recommend investing in online casinos, because there is no easy money. But if you still decide to bet, then play no more than 2-10 minutes a day. It is during this period of time that the casino allows itself to be beaten. If you exceed it, you will lose all your savings. Casinos are masters of pulling out your money and gamblers often go into the red. There are frequent cases when the thirst for easy money led people into a very unenviable position. If you are a gambler, it is better to refrain from this income. Not only luck works here, but also a clear program and a pseudo-random controlled by the casino organizers.

Lotteries are analogous to casinos. In this case, the organizers sell tickets, for example, to 10 000 rubles. Among them there is one winner. The winner receives 500,000 rubles, and the rest of the money goes to the organizers. The lucky one is photographed and shown to everyone as an example of the honesty of the company. This allows the organizers to attract more more money. But the probability of winning the lottery remains very small.

One of the most profitable ways investing money are considered HYIPs. Such structures operate on the principle of a financial pyramid. They attract investors' money by promising a high return on investment, which can reach 15-100% per month. Funds are paid out as long as there is a flow of new depositors. We can say that HYIP is the same kind of casino, because you can never predict what will happen in the end, your investments can either increase or disappear. Like any other pyramid scheme, HYIP projects are a highly profitable industry, but with a very high risks. I recommend making several trial investments, and even theoretical ones are better. Find any transaction that matches your planned investment and watch it. It is most convenient to keep track of several projects, so you will learn to pay attention to trends and understand the mechanics of how HYIPs work. Be skeptical of the opinions of experts who advertise HYIPs, remember that they get paid for it.

The principle of operation of such structures is quite simple and understandable. First, the pyramid itself is created. After that, active advertising of the hype on the network begins. People think that they are investing their savings in something real (for example, in Forex, futures, stocks, and so on). However, nothing is actually invested and everything is in one place. As soon as the creators see that the expenses exceed the receipts, they close the project. All those who invested money in HYIP and did not have time to withdraw it, are left with nothing.

Such pyramids live from 1 day to several years. It is on what project you will face that your win or loss will depend. It is worth noting that most HYIPs are closed on the first day due to the lack of experience of their creators. However, there is a small category of admins who have been running their projects for years. This suggests that progress does not stand still. The creators of such schemes come up with more and more new ways to work longer and earn more.

I have experience with these financial pyramids. At first, I didn’t have anything good from HYIPs, although there was still a profit from time to time. Today I receive a stable income. However, as I said, every time HYIP admins come up with something new, and because of this, it is more and more difficult to distinguish them from normal investment projects. That is why, if you have never worked with financial pyramids and do not know how everything works, you should not invest in such projects.

Remember that it is possible to invest in HYIPs, but only their creators benefit from such investments. Also, profits can be received by those who managed to enter and exit the project on time. Unfortunately, there are not many such people. If you still decide to participate in the hype, choose a project with a longer history of work on the market. In addition, it is necessary to closely monitor its activities. At the slightest doubt, you need to promptly withdraw savings with interest. However, this does not guarantee the safety of your finances.

Also, do not invest in illegal and morally unacceptable projects. We are talking about the trade in drugs, weapons, counterfeit goods, the organization of brothels, shell companies that launder money, fraudulent schemes in the field of real estate (for example, eviction of single pensioners, re-registration of housing, corruption in construction) and so on. Even if you are promised high profitability and stability, you must understand that, firstly, you will have to answer for this, and secondly, it will be unpleasant and restless for you to spend money received at the expense of the suffering of other people. To live in peace look for fair and socially acceptable ways to make money. Only in this case you will gain financial freedom and spiritual harmony.

Assistance in creating an investment portfolio

Do you want to profitably invest money in Moscow, but doubt your abilities? Then contact me. I have been investing on the Internet for more than 5 years and have consistently made a profit. Readers of my blog can order a professionally assembled portfolio for free. To do this, just write to the mail [email protected]. In the letter, indicate the available amount, the desired yield and a list of projects in which you have already invested. I will make every effort to ensure that the collected portfolio is profitable and successful.

Smart investment is the key to a highly prosperous future. By investing free money in promising investment projects, you get the opportunity to significantly increase your wealth. What tools are potentially profitable and what profitability they can bring to a novice investor, we will analyze in detail in today's article.

Free money can be invested in these projects:

Sources of investment

The question of where to get free money is asked by those people who are already thinking about their future. As you know, money is not superfluous. Therefore, if you purposefully do not take measures to accumulate capital, then there will be nothing to invest. So where do you get free money to invest?

Consider 3 reliable options:

1. Save 10-20% of salary . This option always works. It is important to determine how much can be withdrawn without consequences. If you find it difficult to save money and the temptation to spend it is great, you can start. True, there are not so many options and they are not so profitable compared to investments of 100,000 or more. But you can consider investing little money as a temporary milestone that will lead you to a big goal.
2. Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can donate the initial capital for a good cause free of charge.
3. Additional income . As sources of additional earnings, one can consider overtime part-time work at the main place of work or short-term options with low pay. Of course, more work will have to be done. But for the sake of generating passive income in the future, it is worth making an effort.

TOP 17 ways to invest free money

So, you have a small capital and you want it to work. Below is a list of 17 working ways where you can invest free money. You just have to adapt them for yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

It makes sense to invest free money in the bank when you need to save up an emergency reserve just in case. Except term deposits, the interest on contributions is quite penny. Therefore, you should not count on good dividends even from a large amount. Anyone who nevertheless decided to place savings in the amount of more than 1,400,000 rubles on a bank account needs to divide it and put in different banks . To in case of default the state reimbursed the investment in full.

2. Securities

Stocks are one of the most attractive, but also the most risky options. As practice shows, the order securities it is better to entrust experienced professionals, although they cannot guarantee income. The peculiarity of the method is that the upper ceiling of profit, as well as loss, does not exist. In each case, everything is individual. Of course, you can predict the main trend based on past experience, but this does not always work.

Read our review about how to avoid the mistakes that 90% of novice investors make, and.

3. Real estate

A fairly popular method to attach free money. After all, investing means getting the opportunity for quick income and covering mortgage payments with it. However, it must be borne in mind that if the apartment is not rented out for some reason, the money must be paid from your own pocket. When a home is purchased for equity, you will receive stable profits with minimal risks. It is most profitable to rent an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to earn on the shares of popular companies, banks and corporations. The options work scheme is built like this: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the rewards can reach 70%.

Earnings on options depend on whether you guess or not whether the stock price will rise or fall in a certain period of time. You can buy them at different times, ranging from 1 minute to months.

Option investment is carried out through a broker and requires knowledge of the basics fundamental and technical analysis.

5. Microfinance organizations

7. Business

One of the most controversial investment options. On the one hand, when right choice niche, it can bring the greatest profit to its owner. On the other hand, you cannot hope for long-term income without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face the strict restrictions of the franchisor.

Read a separate post, and you will find out what other pitfalls await you in .

8. Precious metals

13. Own website

Creating a website is one of the most popular ways to invest in this there are a number of reasons:

• small initial investment;
• efficiency of creation;
• you can immediately start earning;
• passive income in the future.

With all the advantages, it should be borne in mind that competition in this area is huge.

And before starting a project, you need to understand all the possible ways of monetization and promotion. Ideally, the investor should deal with these issues on his own, then the income will be maximum.

14. Social networks

The topic of making money on public in social networks does not lose its relevance. There are active discussions on the Internet whether it is still possible to make money on your group or the train has already left. It is difficult to answer this question unambiguously. In any case, those who started a couple of years ago have clear advantage. In general, everything depends on the organizational skills of the investor and experience in promoting projects.

In any case, dealing with social networks on your own, you do not need a lot of money. With a successful set of circumstances, you will receive a good income from the sale of advertising, with an unsuccessful experience, nothing will prevent you from selling a loss-making group.

15. Education

At the initial stage of a career, it is very important to invest in acquiring knowledge. New skills make it possible to establish oneself as a competent specialist and earn more money for a comfortable life in the future.

16. Structural Products

A stable way to invest savings, which gained popularity in the midst of the crisis and is still in use today. The bottom line is to divide the capital and invest the main share of investments (80%) in bonds and the rest (20%) in futures and options. This combination allows the investor to receive up to 40% return on success, and to remain with their funds in case of failure.

Take a look at the comparison table below (click on the image to enlarge it):

Based on it, it can be concluded that structural products have the highest yield with relatively small investments.

The profit may be higher when it comes to, but it is important to carefully monitor the news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal in order to increase it as a result trading activities on Forex. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. In case of loss, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.

Conclusion

As you can see, there are many worthy options where you can invest free money. The entry threshold for the listed alternatives is affordable, so you can try all the tools and determine the right one with little or no monetary loss. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.