Tips where to invest money. Where to invest money, or the most profitable investment. Investments in PAMM accounts

One of the priorities of an independent person is to receive income expressed in the monetary equivalent. Such income (if from it, other taxes and expenses) can be active or passive. In the first case, in order to get your money, the employee performs certain actions in accordance with the requirements of the direct leader. The second option implies that income is the result of properly made investments (investments) into any project or business.

Investing funds in Russia is invariably connected with risk: the likelihood of losing them is great if not because of the actions of individual scams, then as a result of the next "surprise" from the state. Therefore, a citizen, reflecting where to invest money, should be especially carefully choosing sources of income. The safest and promising of them will be listed below.

The most profitable investment of money today

First of all, the future investor needs to decide which object of investment of funds from the most interesting to date today. It makes no sense to invest in the project, even the most fashionable and having an impeccable reputation, if it is incomprehensible or unpleasant: the only result of such an experiment will be an obsessive desire to "repel" their investments and get out of the game.

Council: Do not immediately get involved in exotic ideas. For example, a person, only a novice career of the investor, is unlikely to invest all accumulations in: such a business is not only risky (animals can get sick and die one-time and die), but also requires the arrangement of a separate room, which is associated with increasing costs. To make money on the project, undoubtedly, it is possible, but only having a "airbag" or other projects that allow in the case of a disaster to remain afloat.

So, by defining the goal and abandoning non-constructive ideas, a novice investor must decide where to invest money; It is best to choose any option from the next list.

Deposit

Traditional bank deposit - if not the most profitable, then the most secure investment. Funds made by citizen on their own account are necessarily insuredAnd therefore, even with the collapse of the bank, the depositor will receive compensation, albeit not in full. True, cases where the only means to restore justice will be the submission of the claim to the court, and how much time will take transitions from instance to instance, it is impossible to predict; But the chances of a favorable outcome are invariably high.

So, to make money on the deposit, you need to find a bank offering deposits on the following conditions:

high accrued percentage;
security Guarantee Deposit;
the opportunity to remove money at any time.

Important: Special attention should be paid to the last item. If the bank offers an attractive interest rate, but at the same time prohibits the client to use the funds placed before the expiration of a certain period, this contribution is not suitable for obtaining a monthly passive income, although it can serve as a long-term investment object.

The most attractive for investors, according to the experts drawn up by the rating, are the following banking organizations.

№1 - "Tinkoff Bank". Its main advantage - remoteness: Container maintenance is made only by phone or by the global network. Exception is the delivery of plastic cards, requiring personal contact of the courier and the recipient.

Terms of deposit in Tinkoff:

interest rate - up to 7% per year;
the minimum embedding size is 50,000 rubles;
percentages are transferred to the emitted plastic card;
the depositor can replenish the score or partially take money from it.

№2 - "Sovcombank". Functions since 1990 and is included in the top 20 of the country's largest banks.

Deposit Terms in Sovcombank:

interest rate - up to 7.6% per year;
period of accrual - once in the calendar month;
the minimum embedding size is 30000 rubles;
interest is paid at the end of the deposit period, but partially persist in the early termination of the contract;
the contribution can be replenished, but you can not remove money from it.

№3 - "UniCredit Bank". The European organization presented in Russia has been in 25 years. The largest bank remaining banks with foreign capital.

Conditions of the deposit in UniCredit Bank:

a ruble interest rate - up to 8.35% per year;
dollar - up to 3.23% per year;
in euros - up to 0.20% per year;
period of accrual - once in the calendar month;
the minimum amount of investments is 50,000 rubles.

Important: The current legislation does not prohibit a citizen to have deposits at once in several banks. The main thing is the availability of starting agents and legally impeccable design of the contract.

PIFES.

The essence of the shared investment fund, or the FIF, is a joint management of investments that make up each participant of the Foundation, which decided to invest in one or more projects. Accordingly, all the property of the PIFE consists of proportional parts - paws.

Advantages of investing in FIF:

registration in accordance with the current legislation;
legal security of each of the parties;
high liquidity due to the constant presence of assets in the market.

Disadvantages:

lack of guaranteed profits, and sometimes unprofitability of the Fund;
the possibility of fraudulent actions by the managing means.

Despite the high liquidity and potential profit to 50% per year, participation in The pee is difficult to call a beneficial investor to the novice investor: Depending on the terms of the contract, it can get the right to sell his Pai at any time (open fund), at certain periods (interval) or at the end of the established period (closed). The first option is less common and is usually associated with the greatest risks; A citizen thinking where to invest money to make a profit in the short term should pay attention to others - more "fast" projects.

Forex

The principle of operation of the Forex market (Foreign Exchange, the exchange of foreign currency) is very simple: the depositor (merchant, player) earns money, guessing fluctuations in courses in the currency pair chosen by him (for example, the dollar / euro): buying $ 1,500 for 1,200 euros, it can Further sell them for 1300 euros, thus obtaining income in the amount of 100 euros - today about 7,000 rubles. In addition to currency pairs, a person seeking an object of profitable investment of funds can guess fluctuations in courses of various shares or valuable metals.

Important: To profit on Forex, you need to conclude an urgent (for 10 minutes, three hours, day or week) a deal for a fall or a rise in the course of the pair. The transaction can be imprisoned as the entire volume of funds available (extremely not recommended) and any specific amount. After the specified term, the investor who has made a faithful bet, receives his gain and the percentage bonus from the broker.

And the advantage and disadvantage of investment in trade in forex is unpredictability: Even the most experienced investors cannot argue with complete confidence that the course will go up or down. Depending on the crossing of a plurality of random factors, including changes in external and internal politics, the player may receive or a huge profit for one transaction, or remain not only without money, but also with finally spoiled nerves.

Council: Do not immediately invest significant funds in forex trail. To evaluate the possibilities of the market, it is enough to invest minimum of money; Then, with a satisfactory result, the amount can be gradually increased.

PAMM-account

PAMM-account (Percent Allocation Management Module, the percentage distribution module) do not differ much from mutual: the manager (manager) offers people who think to attach money to become co-investors of the project; In case of good luck, each of them can receive income, proportional to the share in total capital. The difference is exactly in the control method: pAMM account activity on all over its existence controls one personreceiving for its efforts up to 50% of the revenue profits depending on the total volume of investment and terms of the contract.

It is difficult to say how profitable to invest in the PAMM accounts; The amount of income (both the total and each of the project participants) depends on the talents and the conscientiousness of the manager, as well as from the set of random factors.

Council: As in other cases, the potential investor is not recommended to invest all money in the PAMM account: even with a favorable coincidence, the profit will be relatively small - less than in more risky enterprises. It is better to divide free funds into several parts: for short-term, long-term, more and less reliable projects.

Dragmetals

Investing in precious metals (gold, platinum, silver) is one of the most popular ways of obtaining passive income in Russia. A citizen thinking where to invest money can both buy bars (keep them, of course, better in bank cells), and purchase futures or become the owner of an immense metal account. In part, the acquisition of jewelry and jewelery includes this option.

The main advantage of money investment in precious metals is a steadily high price for them: If necessary, an investor can simply realize his property, receiving a little less or more than paid.

Stability - at the same time and the main disadvantage of investment: Metal courses fluctuate so insignificantly that the player's big momentary income will simply be able to get a big momentary income.

Council: Do not neglect the opportunity to invest money in precious metals. In the long term, this is at least creating a "airbag" for an investor, and with serious changes in the market, the probability of which is always different from zero, will become an important source of income.

The property

As in the case of precious metals, investments in real estate are designed to ensure investor income rather in the long run. Although fluctuations in the real estate market are usually significant, it is unlikely to expect sharp drops or surgery. For a person who is thinking where to invest money, and having a suitable amount (housing, as is known, it is worthwhile), investing in real estate - the way to earn not only on the next sale of the facility, but also for renting it. According to experts, on average, the passive income of the landlord is 10-15% per year. Thus, the payback period constantly located in the operation of the facility is 6-8 years.

Council: One of the simplest ways to make money on real estate - to purchase a housing certificate in the house under construction. When the object is ready for delivery, the investor can sell it at a higher price or use the document in natural form - for example, passing a new apartment for rent.

Cryptovaluta

Investing money in cryptocurrency (Bitcoin, Lightkun, Etherumer and others - the range today is just huge) - a rather risky, but also a promising way. In essence, this is the same speculation on the stock exchange: the goal of the buyer of any currency is to purchase it cheaper and then waiting for growth, sell more expensive; The difference in purchases and sales and will be income.

The advantages of investing in cryptocurrency:

Significant course fluctuations, giving depositor the opportunity to sell or acquire the necessary amount on as favorable conditions as possible.
CryptoDengi can be obtained and without making purchase and sale transactions - by mining (using computer computing power).
"Transparency" of transactions and translations of certain types of currency (in particular, bitcoine), which protects each of the parties to the transaction from the unfair action of the counterparty.

Disadvantages:

The complexity of entry. The price of the most famous cryptocurrency, bitcoine, in seven years has grown from a few cents to several thousand dollars. It goes without saying that a new investor looking for where to invest money is now much more difficult to become the owner at least one bitcoine than in 2011-2012.
Unpredictability. Cryptovalum courses are not regulated by anyone: they are possible both sharp jumps and unexpected decals, capable of exhausting the nerves no worse than the game on Forex. A man, yesterday I bought the cryptophone for 11 thousand dollars, it would be extremely difficult to accept the idea that today it is already 8 thousand, and tomorrow, for all forecasts, its course will fall on a thousand-friend. But it will become even sadder when, after a hurried sale at a reduced price, the currency will again begin to actively grow, reaching a record 12 thousand dollars per unit. The ability to experience such failures is the main condition for a long and fruitful presence in the cryptocurrency market.
Horificatory mining. If a person, reflecting, where to invest money, decided not to buy cryptocurrency, and get it independently, he will have to spend money on the mining equipment; In addition, no cheap cooling plants will be required. We should not forget about electricity accounts - the main and only moving force of the process. Of course, theoretically you can use your own personal computer, but its computing power will not allow to get substantial profits.

Council: Investing in new cryptocurrencies can be a more profitable option. While the course is weakened, there is a chance to acquire a conditional unit at the minimum price; Then, depending on the circumstances, the currency may grow, and then the buyer will be in winnings, or stall - in this case, it is not necessary to especially regret the minimum investments.

Opening of business

Another option, at least in the early stages, not promising passive income, or otherwise join the world of business. At the same time, it is not necessary to become the owner of the whole matter: you can cooperate with familiar or friends or buy a share in the already functioning project. It all depends on the imagination and ambitions of the novice investor, as well as the presence of the required amount.

It is quite logical that the main danger of opening its own enterprise is the likelihood of rapid collapse for a number of reasons:

a young business could not withstand competition;
the investor made a gross financial mistake or went to an offense and as a result remained without funds or lost freedom;
it turned out to be a lot of tax burden.

Based on these considerations, a person who does not cease to think where to invest money, better at least at the beginning of the way, combine forces with like-minded people or find an experienced consultantwhich will help solve the problem of problem arising during the design, registration and functioning of the project.

However, there is not everything smoothly: both companions, and consultants may be unreliable, incompetent people, and even conventional fraudsters who are gathering to assign money invested in the project. In such a situation, it is not necessary to talk about profitable investments: after the deception of deception, all the forces of the unlucky entrepreneur will be aimed at eliminating financial problems or wanted by the facial money.

Council: Do not trust the cases to unfamiliar people, no matter how tempting their suggestions. It is better to use the services of qualified, respected specialists, even if the profit promised by them is an order of magnitude less: an investor can at least be sure that his money will not dissolve without a trace, but will work, bringing although not too big, but stable income.

Investing in yourself

You can go and other way, putting money not in business, precious metals or forex, and in self-development. In fact, a person who does not have due competence, even in the presence of a good starting amount, will not be able to achieve impressive results, and, most likely, sooner or later spends accumulation, making one or several rapid acts. To avoid misunderstandings and mistakes, you need, not relying time and money, get the necessary knowledge and skills: to pass training courses, independently explore the topic, acquire special programs and equipment.

Of course, at first glance, this may not seem reasonable attachment, but a person who owns useful information is likely to cope with the unexpectedly arising problem or chronic difficulties (for example, the peculiarities of domestic taxation).

Council: In addition to obtaining new knowledge, a novice entrepreneur would not bad in their own appearance. The money spent will pay off the opportunity to successfully communicate with people, which means it is to conclude contracts more favorable and legal point of view, in parallel to finding permanent business partners.

Art objects

It is difficult to say how strongly and under what conditions will the cost of art items acquired by the investor, be it antiques or masterpieces of young authors. And if in the first case the investor can at least count on what the money will be returned by selling a picture or a statue at par, then the most likely outcome of the second is the obscurity of the Creator and the loss of the buyer.

A citizen who decisive where to invest money it will be useful to remember the legal risks of the acquisition of art objects: They may be calm, having another legitimate owner or at all are fake.

Council: In order not to be in an unpleasant situation, the investor is recommended to use the services of experts specializing in the right industry of art history. This will allow not only to identify the fake, but also not to make nonsense when buying a work of a beginner author.

What should not invest your money?

Theoretically bring profits can any case, the organizers of which do not directly notify potential investors about their criminal intentions. The question is in the luck of the depositor, the legality of the actions of both parties and the future perspective.Someone managed to receive income on financial pyramids; For someone, it can turn into collapse and attachment in quite legal mutual mutual mutual piths.

Still risk, especially for the entire amount available at the disposal, is not worth it. A person who is just beginning to invest money is urged to spend funds for participation in various pyramids built on the involvement of new investors.

You can distinguish knowingly unreliable projects according to the following signs:

Depositor promise too favorable conditions. Profit 60% per year or the opportunity to get a couple of millions per bet is certainly attractive, but little realistic. It is impossible to completely reject the likelihood of unexpectedly obtaining a large amount of money (what then to do with lotteries?), But also to trust overly tempting proposals that have no basis for them, should not.
Obsessive, very aggressive advertising. A bright example is countless online casinos: even people who are completely not fond of gambling are familiar with the work of their marketers. To a lesser extent, this applies to financial pyramids: their solidity advertising is often not inferior to the proposals of the most respected banks.
Placement of assets in the offshore. Also not one hundred percent indicator, but the desire to minimize the tax burden is not a sign of the desire to deceive depositors.

Council: Instead of ignoring offers at first glance, dubious companies, the potential investor is better to make efforts and understand the scheme of their work. It may turn out that in fact everything is much easier and more transparent, and make a profit from participating in the project quite real.

What amount can you start investing?

Immediately answer the question is impossible. It all depends on the selected contributor of the business of the business, its prudence and elementary luck.

The amount for which most of the modern experts advises is advised - 100 thousand rubles. It is quite enough for investments in art, precious metals or cryptocurrency. Accuming more, you can try your strength in real estate operations or open your own business.

A smaller amount is also not a problem: its owner may well open a bank deposit, hold a couple of transactions on Forex, invest money in gaining knowledge or improving your own appearance.

Each investor (as a beginner and quite a long time engaged in investments) must be kept somewhat simple tips in the head:

It is important to take care of the "safety pillow" - Money that can be used with the loss of invested funds. The recommended amount amount is equal to the average expenses of the depositor for six months. For example, if a month, a person spends 50 thousand rubles, the "airbag" should not be less than 300 thousand. Where to take the necessary money, the investor must think: it is unlikely to help, but it is completely realistic to postpone a certain amount from each wage.

Council: "Airbag" can not just keep at home, but to place on the long-term deposit, preferably - with the ability to remove funds as needed.

No need to invest all the money in one thing. Obviously, with the collapse of the business, a failed investor will remain or completely without funds, or with minimal compensation on hand. It is better to divide the sum of three to four parts, at least one of which should be invested in a long-term project. The rest can be disposed of at their discretion, not forgetting, of course, about caution.
It is necessary to assess the risks in advance. No one wants to think about the unpleasant, but it is better to be ready for a difficult situation (and keep a "airbag" with you) than to be supplied before the accomplished fact. A competent investor planning a profitable investment must be concentrated on the negative side of the case: otherwise, everything can end not only by ruin, but also attempts to get out of the debt pits, or even a real prison term.

Council: Do not neglect consultations of specialists. For the investor, it will be much more painless to spend a certain amount and further imagine all the possible minuses and advantages of the enterprise than trying to understand everything yourself, losing precious time - and therefore money.

Video - Where to invest money without risk?

Let's sum up

The investment in order to obtain passive income is always associated with the risk of losing the money invested, but at the same time it is able to bring a person a stable profit, the size of which depends on the efforts of the investor chosen by the scope of activity and the coincidence.

The main thing is not to forget about the rules of financial security and in advance to evaluate the prospects, including legal, each transaction committed: so the investor will be able to avoid disappointments and stay in a plus, multiple gaining its accumulations.

Reasonable investment is the key to the high-protected future. By placing free money in promising investment projects, you get the opportunity to significantly increase well-being. What instruments are potentially profitable and what profitability they can bring a novice investor in detail in detail in today's article.

Sources of receipt of investments

The question where to take free cash is set by those people who are already thinking about their future. As you know, no extra money is. Therefore, if it is purposefully not taken to accumulate capital measures, then there will be nothing to invest. So where to take free money to invest?

Consider 3 reliable options:

Postpone 10-20% of salary . This option is always running. It is important to determine what amount you can withdraw without consequences. If you find it difficult to scatter money and the temptation to spend them great, you can start. True options are not so much and they are not so profitable relatively with investments in 100,000 or more. But you can consider investing small money as a temporary line that will lead you to a big goal.
Lend money from relatives . Not the best idea, but there is a place to be. Moreover, parents can give the initial capital for a good deed free.
Additional income . As sources of dopework, you can consider overtime part-time jobs at the main place of work or short-term options with small payment. Of course, it will have to work anymore. But for the sake of obtaining passive income in the future it is worth an effort.

Top 17 ways to invest free money

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

1. Bank deposit

Attach free money to the bank makes sense when it is necessary to sort an inviolable stock just in case. In addition to urgent contributions, interest on contributions are completely penny. Therefore, it is not worth counting on good dividends even with a large amount. To the one who still decided to place the savings on the bank account for the amount of more than 1400,000 rubles must be divided into it and put in various banks . To in case of default The state reimbursed the investments in full.

2. Securities

Shares one of the most attractive, but also the most risky options. As practice shows, the disposal of securities 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 the loss does not exist. In each case, all individually. Of course, you can predict a major trend based on past experience, but it does not always work.

Read our review About how to avoid mistakes that make 90% of beginner depositors, and.

3. Real Estate

A fairly popular method to attach free money. After all, to invest means getting the opportunity to quickly income and cover them payments for the mortgage. However, it is necessary to take into account that if the apartment for some reason does not give up, the money must be made from your pocket. In the case when the housing is purchased on its own capital, you will receive a stable profit with minimal risks. It is most profitable to rent an apartment for offices and other commercial premises.

4. Binary options

With their help, each investor has the opportunity to make money on the shares of popular companies, banks and corporations. The options for options are built as: either you get maximum profits, or in case of failure, completely lose it. Risks are high, but profit can reach 70%.

Earnings on the options depends on whether you guess or not, it will grow or fall the price per shares within a certain period. You can buy them at different times, starting from 1 minute and ending with months.

Optional 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, with the right choice of a niche, he can bring the greatest profit to his 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 come across the strict limitations of the franchisor.

Read a separate publicationAnd you will learn what other pitfalls will wait for you in.

8. Dragmetals

13. Own site

Website creation One of the most popular ways to invest savings and there are a number of reasons:

small initial investments;
efficiency of creation;
you can immediately start earning;
passive income in perspective.

With all the merits it is worth considering that competition in this area is huge.

And before the project, it is necessary to understand all possible ways to monetize and promotion. Ideally, an investor should deal with these questions on his own, then the income will be maximum.

14. Social networks

The topic of earnings in publics in social networks does not lose its relevance. On the Internet, the discussion is actively underway whether it is possible to earn more money on your group or the train has already left. Answer uniquely to this question is difficult. In any case, those who started a couple of years ago, have explicit advantage. In general, it all depends on the organizational abilities of the investor and experience in promoting projects.

In any case, doing social networks yourself, you will not need a lot of money. With a successful circumstance, you will receive a good income from the sale of advertising, with unsuccessful experience, nothing will prevent a loss-making group.

15. Education

At the initial career stage it is very important to invest in gaining knowledge. New skills make it possible to establish yourself as a competent specialist and earn more money for a comfortable life in perspective.

16. Structural products

A stable way to invest accumulation, which has gained popularity in the ripping of the crisis and uses it so far. The essence is in the division of capital and investment of the main share of investment (80%) in bonds and balance (20%) into futures and options. Such a combination allows the investor with success to get up to 40% yield, with failure - to remain with its means.

Pay attention to the comparative table below (click on the picture to enlarge it):

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

Profit may be higher if it comes to, but it is important to carefully track news and analytics.

17. PAMM-account

Investing in the PAMM-account is a transmission of free money to a temporary order in order to increase them as a result of trade activities on Forex. The feature of such investments is that deposits are protected From possible fraud on the part of the account holder. When losing losses are distributed between all account participants, including the manager, which is an additional motivation of successful trading.

Conclusion

As you see decent options, where you can invest free money - a lot. The entry threshold in the listed alternatives is available, so you can try all the tools and determine suitable practically without cash losses. We, in turn, wish you not to be afraid to try a new one, because only this is what experiences are gaining and investment intuition develops.

Related records

The first thing that comes to the head of the majority of people who think how to increase money is to put them at a percentage of the bank.

However, in fact, this is, although safe investment of funds, unless, of course, you chose a reliable bank for the deposit, but not very profitable. After all, bank interest is very small. In many cases, interest in the bank below the real level of inflation. But despite this, professionals in investing personal funds are recommended to put in interest in a reliable bank about the fifth of personal savings.

Bank account Some experts advise to open in the currency in which you calculate. Another popular option was the separation of deposits for currencies: part in rubles, the rest in dollars and euros. So you can protect yourself from the fall of the course of one or another currency and earn in its growth.

In a number of banks, you can open deposits in precious metals, such as gold, silver, platinum. The owner of such an account will benefit with the rise in prices for precious metals, but a very high income is not guaranteed, since the cost of precious metals can grow, so fall.

Investments in apartments and other non-profit real estate

Ask passersby on the street, where to invest money, not to lose them? Most respondents will answer what is best to invest in home and apartments.

Regarding the benefit of investing money in real estate, a lot of copies are broken, but it is this option that today is chosen by quite many inhabitants of our country, which invests money, in the first place not to lose them, and not with the calculation of high profits.

An object of investment in this case are apartments, rooms, garages. Make money by investing in real estate can be in several ways.

You can invest in the apartment at the initial stage of building a house, when the price is not too high, and then sell housing when the house will be built and the cost of square meters will increase. But, going to invest in the construction of the house, it is important not to get into the housing pyramid. Have you heard about deceived shareholders? You can articles them!

Another way of a fairly profitable investment of money in real estate can be purchasing an apartment in the already built house and renting it. The income will be the difference between the rent and the sum of taxes and utility payments. In addition, the apartment will grow in price from the year, which will also generate income. True, it will be possible to get it only with the sale of an apartment.

Where to invest money: buying shares

That's just 100 percent to accurately predict whose shares and how long will be expensive to be expensive. Recently it seemed that oil and gas would be constantly expensive, but their price is subject to sharp jumps. Many economists recommend that they benefit to invest money in the shares of Pischemprome enterprises, since food will always be in demand. In the next few years, it has very good prospects for development and the IT sector.

Reliable and profitable investments - buying bonds

It is notified that young people give preference to shares, which is risky. But the older man, the more often he invests money so as not to lose them - acquires bonds, which is more reliable than buying shares.

Investing money in bonds is not very risky, and yield may well be higher than on bank deposits. But on the bonds you can lose money. To get the greatest benefits of acquiring bonds, experts advise consultation in investment companies, which issuers are now most reliable.

At investing money in bonds and stocks there are cons. The securities course can fluctuate. And it can happen that when you urgently need money, then their course will be minimal. Then selling shares and bonds will have to pay below the purchase price. So for the most profitable investment of money in stocks and bonds, it is not necessary to count on an ambulance selling them. It is believed that on average, the yield of bonds is 9-20% per annum, shares are 35-40% per annum.

Profitable way to invest money - investment funds

Choosing the most reliable investment fund for money investment, experts recommend to make funds to foreign funds with a big history. Maybe the yield in this case will not be maximum, but the capital will grow, and the money will be protected. If you want to get rich quickly, then look for the Russian investment fund offering the maximum benefit. But in this case, be prepared to lose money at any time.

For years it has been verified that reliable funds that invest in risky papers to quickly earn big money in nature. Therefore, choosing investmentfund for money investment, pay attention to what is its strategy.

Thus, we reviewed five profitable ways, where it is profitable to invest money so that they work. Of course, there are other more risky, for example, playing for forex, binary options, derivatives, finally private loans in the development of small

So where is it profitable to invest your money so that they work? In this article we will consider 5 popular ways to invest in time

Hello, friends! Alexander Berezhov, entrepreneur and one of the founders of the site "Khitirbobur.ru"

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

With this post, I start a series of article on the topic "Where to invest money."

Here we will look at both the popular ways of investing money and "exotic". I will allocate the advantages and disadvantages of each of them, and at the very end we will submit a general result of our review.

At the end of the article, I will tell you where you should not invest money in order not to turn around. So let's go!

1. Principles of competent investment or what experienced investors are watching

Here we will consider the principles that you should adhere to get the percentage of our investments above banking with almost the same reliability.

Why am I saying that almost the same? Remember the golden investment rule?

Profit is always proportional to the risks that an investor assumes!

Maybe for someone it will seem banal, but the first thing to start to invest is to start - acquire the necessary knowledge. This means that the first money is best to invest in the promotion, not in gold, not to the bank, but to make investments in yourself - they reappear repeatedly. So recommended to make two richest people in the world - Bill Gates and Warren Buffett.

After you have the necessary knowledge and idea of \u200b\u200bdifferent financial instruments, the principles of their work, expected profit and risks, can move to practice.

Principles of competent investment of leading global investors

Principle 1. Create a Financial Pillow

This means that without a certain financial base, it is strictly forbidden to engage in investment. The exception is only a bank deposit, as it is rather not an investment, but a savings tool.

What is a financial pillow and how to create it?

Financial pillow - This is a six-month reserve of money for which you and your family can live while keeping the usual standard of living without having other sources of income.

Create such a pillow can regularly postpone financial receipts (salary) or selling property.

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

Exception when you can start investing under interest without having a financial pillow, is the presence of you passive income.

Passive income - The flow of money coming to you, which does not depend on your daily efforts, for example, from renting real estate, dividends on shares or profits from the existing business.

Principle 2. Diversification Investments

In order for your money to work correctly, think where to put them to comply with the principle of diversification, that is, the division of funds on various investment instruments.

If you have become interested in the topic of investment, then surely this concept is familiar to you. In other words, this means " do not put all the eggs in one basket" If you have a basket with eggs and it will fall, then all the eggs in it will disarm and you will remain with anything.

This will happen with your accumulations (savings) if you put them in one thing (project) or an investment tool.

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

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

Investment portfolio - A combination of all investor assets. For example, if you have a contribution to a bank, promotions, real estate, business - all these tools for extracting profits from the point of view of investment will be called your investment portfolio.

In order for your investment portfolio to be maximally resistant to market changes, in line with 20% of the free funds in the banking sector, 20% in oil and gas, 20% in production, and 20% in agricultural or food.

So, if one company (sphere) starts to endure losses, then the rest will "pull out" your funds up and will not give a portfolio.

Principle 3. Control risks

Risks - This is the main "problem" with which absolutely all investors are faced.

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

Unfortunately, newcomers make one and the earlier mistake - their eyes light up, instead of pupils, signs of dollars appear and now they are already in anticipation of millions rub.

How is things going in practice?

And in practice - everything is different! Overestimate your strength and experience, many people immediately try to engage in aggressive investment and lose money, instead of investing in more conservative tools. So it turns out in the end that the greed of Frare has thugs ...

Investments - the same science as any other professional business, which means that it is necessary to evolve in this direction gradually, going from simple to complex.

Start s 100 or with 1000 dollars, and God you will escape to invest big amounts immediately, especially in what you do not understand!

The top of the illiteracy here is to take money under the percentage and try to quickly "turn" them with some kind of "super-freight" way.

In 99% of 100, it ends with the loss of the entire amount and credit burden, which hangs over you with a Damoclamic sword.

Do not hurry, because if you become a specialist in the field of investment, then your future millions will not run away from you. On the contrary - if you hurry and try to get rich so far, the chance is great for the fact that you will never earn big money.
Principle 4. Attract the Sinvestors
As your experience accumulates, as an investor, you can put money together by forming investment pools. So you can get more opportunities - where to invest money so that they work with maximum return.
For example, you found a project or tool, attractive in your opinion for investment, you have free funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on parity beginnings with you.
In recent years, a fairly common topic has become pAMM-account. In this case, investors are transmitted to trust management* Your cash by professional managing financial assets.
Trust management asset - A type of financial and business relationship, where one person or company transfers its money (property) to another person - a trust manager.
At the same time, the manager cannot dispose of the right of ownership by these means or property, but only has the right to use it to extract profits, the percentage of which he receives as a fee for successful management.

So several investors can create such pAMM account In the fold and transfer this amount in trust management, while all the risks on losses investors take on themselves in proportion to the invested means.
With the manager of such an account (trader), investors may agree that it ceases to work on account when receiving losses in a certain percentage of the account value.
If we summarize this investment scheme, we see that investors are ready to sacrifice, for example, 15% your money to potentially get 30% income.
Principle 5. Create passive income
An increase in your capital is very good, but no less important point is here to create passive income from your investment actions.
Why is it so important?
If you understand the course of my thoughts, then we are guaranteed to take a new way to invest your funds.
Visual example
You have invested 100,000 rubles and received 130,000 rubles in a year, that is, we earned 30% of the cash inves.
However, the next time you cannot give a 100% guarantee that you will earn another 30% or more per year. Given that such a yield is much higher than banking, means that the risks of this method are much more.
You can even lose most of the amount or her all if something goes wrong next time.
On the other hand, if for 100,000 rubles you could create a passive income, for example, the same 2500 rubles per month, which is also 30,000 rubles per year, then in this case, you can do the same 100,000 without any problems rubles and put them more conservatively, so your asset with a passive income of 2500 rubles is a guarantee of returns to the loan of a new amount in 100,000 rubles.
In order to better understand how to create passive income and then create assets with it, I recommend playing the game " Cash flow»The famous investor, entrepreneur and business coach Robert Kiyosaki.
By the way, that's what Robert Kiyosaki speaks of the importance of passive income:
2. Since when you can start investing
You can start investing with any amounts. If you have chosen a bank deposit or action as an investment tool, here you can start literally with 100 rubles.
If you have no money at all, then just start postpone at least 10% From any of your income. So you will form a habit of creating a financial reserve yourself and as income growing, your savings will increase in proportion to increase. Money will work for you while you are resting.
All the well-known people who study success and proper contact with personal finances are spoken about what needs to be postponed: Bodo Scheffer, Robert Kiyosaki, Warren Buffett.
The fact is that many people with income increases begin to spend even more and even take loans, since they all lack money all the time. It is called "Dorved to a good life".
All the time, control your balance between income and expenses, live by means!

The most reliable and profitable investment methods include the opening of the business in the franchise.
Want a reliable option to invest? Take advantage of the partners of our site: become co-owners of the network of restaurants of Japanese cuisine.
The project is engaged in Alex Yanovsky, a businessman with a 20-year experience, who launched a lot of successful startups from scratch. At the time of writing a franchise of Sushi, a master openly 125 restaurants in 80 cities and 8 countries of the world.
My friend Sergey, opened the Sushi Master in Maykop in Maykop, invested 1.5 million rubles and after six months already paid his investment. So the scheme works not only in theory, but also in practice.
In section №4, I will describe in detail how to properly open the business for this franchise, putting a completely moderate amount into a perspective direction of catering.
This is what Alex speaks about the advantages of the opening of a franchise business:

3. Where to invest money so that they work - 5 profitable investment methods
Now many people run eyes from various offers - where to invest money. If you open the Internet and read articles on this topic, then someone suggests buying such a super-course passing which you will become a millionaire for a week.
But in most cases all these "magic pills" - no more than a good way to lead your savings.
Now we will look at classical methods that allow you to invest in understandable tools with predicted yield and moderate risks.
Method 1.
This is the most popular way of saving money, but its income is barely comparable to inflation in the country. So if you invest money in the bank and keep them there from year to year, then at best you just do not lose them, about more or less tangible earnings there are no speech.
Now the law adopted in Russia, which guarantees payments on deposits in 1 400 000 rubles In case the bank goes. This applies to all banks that have a formal license to carry out banking activities.
Previously, the insurance amount was 700 000 rubles . That is, if you have invested your money in the bank and for some reason he stopped existence, the state compensates for you your money if the deposit amount does not exceed the insurance.
Now in our country there are hundreds of banks with interest rates from 5% before 12% .
Historically, it has developed that the most popular bank from our citizens is Sberbank, although here the percentage of deposits is one of the lowest, but the large branch network and the high reliability of the Bank itself allow him to remain a leader in the amount of deposits.
Pros and cons of investment of money bank deposit
Pros:
high reliability (low risks);
high liquidity (the ability to return money at any time);
the minimum threshold for investment (you can start with 1000 rubles);
simplicity and understanding of the investment tool.

Minuses:
low percentage of deposits;
loss of percent with early removal of money.

Method 2. Stock Market and Pyp
Part of the financial market where people or companies can purchase promotions, bonds, futures and other securities.

If you have free funds and want to get more income than in a bank, however, take on relatively large risks, the stock market will become a good tool for you.
To start investing in securities, you can just contact a bank or a specialized brokerage company, which is engaged in operations in the stock market.
Personally, I recommend two well-known Broker companies in Aton's investment company and Brokerage House "Opening". You can safely invest your money in these companies so that they work and not be afraid of losing them.
Many cities have their offices.
By the way, speaking about the stock market it is worth noting that there are different types of investors on the duration of investment. There are inventors short-term, they are also called speculators. These are people who buy and sell securities for a short time: from a few minutes to several weeks.
There are medium-term investors, they buy shares a few weeks or months. There are also investors long-term, usually they act on the principle "bought and forgotten" - invest their money for several years in securities, evaluating the potential of the company and the industry in which it works.
The last type of investors belongs to the Guru investment Warren Buffett. Once he was asked when it is worth selling purchased shares, and then Buffett replied that never! This is his concept of long-term investment.
You can independently manage your investment or entrust this business to the professional manager (trader).
There are also special funds where you can invest funds - mutual effects.
FIF. - mutual investment fund. This is a financial organization that independently forms its investment portfolio from various financial instruments (promotions, bonds, banking deoposites) and sells shares in this portfolio - pai..

According to the results of a certain term of management, percentages are accrued according to the size of your share.
But if in the bank you exactly get at the end of the year more than invested, then here your yield can be negative, that is, the fund can work at a loss.
Pros and Cons Money Investments in the Stock Market and Pyp
Pros:
a small initial amount for investment (from 1000 rubles and even less);
interest on the results of the reporting period is usually higher than in the bank;
large selection of investment instruments (promotions, bonds, futures, options);
the ability to receive dividends;
the ability to independently make an investment portfolio by choosing a flexible risk ratio and expected profitability.

Minuses:
relatively greater complexity of the investment process compared with the bank deposit;
relatively large risks (you can get a loss);
in certain cases, special knowledge is required (with independent management of the investment portfolio).

Method 3. Forex (foreign exchange market)
Global global currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy some monetary units for other, for example, dollars per euro.

Traders speculators are earned on Forex, most of them make trading operations within the day.
After all, we want to learn all the ways to invest money so that they work and forex will help us in this. After all, here you can quickly increase the capital several times in a couple of months. In a popular article on our site, I have already talked about my trading experience on the stock exchange and about.
Indeed, on Forex you can earn very much. However, it is associated with huge risks and you can lose your investment capital in minutes.
Now a large number of companies offer Forex trade services. Such companies are called forex brokers.
Be careful when choosing a forex broker. Since now many companies that do not bring your trading transactions to the real currency market and you just play your computer in the trading program as in a casino (naturally, losing your money).
Before starting to engage in this way of investing, read customer feedback, go to the company's office, make sure of its trust and seriousness.

Pros and Cons Money Investments in Forex
Pros:
small entry threshold (usually from $ 100);
the ability to make a lot and make a lot;
large selection of investment instruments (currency pairs for trading).

Minuses:
special technical skills and knowledge for investment are required;
very high risks.

Method 4. Bitcoin (cryptocurrencies)
Here you can earn very well, but also lose, if you do not follow the market. The most famous cryptocurrency - Bitcoin. Its main advantages: decentralization, anonymity, safety, limited. This means that Bitcoin is not controlled by any states and due to limited emissions and growing demand for cryptocurrency, its price will only grow. You can buy Bitcoin at a favorable course in - this service is not only an exchanger, but also a crypto wallet, where you can safely store cryptocurrency.
Method 5. Real Estate
One of the classic investment tools when a person with money is asked where you can invest your money.
You can buy both residential and commercial invisibility. Naturally, commercial real estate gives greater income than living, however, and requires great knowledge for its competent purchase.
Real estate except buildings also include land plots, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but also the disadvantages of this method of investment is also not deprived.
Pros and cons of investment in real estate
Pros:
the ability to rent property for rent and receive passive income;
the opportunity to sell real estate and earn on the difference between the purchase and sale price;
reliable way to keep money (real estate in most cases protects money from inflation - depreciation);
due to the fact that real estate is a material (tangible) asset, it can be used for own commercial or non-commercial needs, for example, in the room you can open a business, you can live in residential real estate.

Minuses:
high input threshold (usually from several hundred thousand);
low liquidity (it is impossible to quickly sell without significant loss of market value);
it is subject to mechanical damage - damage by tenants, natural disasters, force majeure - a gas explosion, a fire, and so on (Instruct your property to avoid loss of money during damage or loss).

Method 6. Own business
If you have an entrepreneurial vein and a certain commercial experience, then one of the best solutions for you will be investigating money in your own business.
Simple example:
Resale Chinese goods with a large margin (300-800%).
You can wholesale purchased goods in China or from a wholesale supplier in a major city and start selling them online. Often, this scheme is also called "Business with China" - a very profitable and promising direction in RuNet.
The team of our site is personally familiar with a successful entrepreneur in this topic. Zhenya not only long ago and effectively leads his own business, but also trains others.
If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months - contact Eugene and he will lead you by the hand on all issues of creating a successful business on selling Chinese goods.

Be sure to look at the review of the groom's students to inspire their success stories:

Yes, there are also certain risks here, but you can drive flexibly, because in this case you decide where to direct one or other money to get the maximum return from them.
Especially effectively investing money with your own business, if it is already working, and your new investments will help the business bring even more profits.
Pros and cons of investment of money in their business
Pros:
you yourself manage your money, building and optimizing business processes (being the business owner);
for business projects, it is pretty easy to find the co-investors, which helps to attract large sums than if the investments were carried out alone;
on business it is easier to get a loan than other investment tools.

Minuses:
high risks of money loss;
low liquidity of most assets (it is impossible to quickly sell equipment, goods and the like without significant loss of value);
loss of share in a business project (in the case of attracting seinvestors).

4. Business on the Franchise Sushi Master - Invest Money with Benefit
Own business from scratch is a rather risky event. This requires solid start-up capital, an original idea and thoughtful business technology. But there is an alternative option - take advantage of the finished commercial model with a predetermined payback period and guaranteed profitability.
The Japanese restaurant chain has its own offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business falls on the Russian market.
Franchising is one of the leading activities of the company Sushi Master. The promotable product of the company is a projected business with a spent and effective structure.
The finished model of the owners transmit to their partners, the latter remains only to comply with the established standards in the preparation of dishes and marketing, as well as maintain the appropriate level of service.
The payback period of the franchise: 5-18 months depending on the region of the location of the selected format and other objective factors.
Algorithm for opening a branch of the sushi master on franchise Next:
Submit an application on the company's official website.
Pay for a paustal contribution - at the time of writing the article, this amount is 400,000 rubles.
Come down at the training center in Krasnodar.
Get the right to open a point under the Sushi Master brand, an official treaty, production technology, original recipes.
Together with the owners of the franchise, choose a place under the restaurant, count payback, get the support of the start-up command.
Open the restaurant.
Together with the command withdraw the project for stable profits.

General starting investment you will calculate together with the team individually. Cost range: from 1.3 to 4.5 million rubles. The opening period of the restaurant is from 3 months.
The advantage of such a model is that it is guaranteed. All possible problems and obstacles that may occur at the start stage have a spent elimination algorithm. You do not work alone, but become a member of a successful business, which before that has already paid off more than 100 times, brought and brings the profit to its owners.
The co-owner of the company Alex Yanovsky is the founder of his own school "Business for glass", a successful entrepreneur I know personally. In his honesty, as in the profitability of the franchise, I do not have any doubts.
Risks are minimal, and the support of the training center under the direction of Alex Yanovsky is continuous and permanent. At your disposal - experience of successful businessmen, professional equipment, waste marketing technologies.
Market niche that you will take, now on the rise: there is an outflow of visitors from expensive restaurants in cheaper. Public catering establishments in street format or format "Island" are in demand and popular - just such options we offer our partners.
5. Where should not invest money so as not to burn
It is not worth investing in obviously losing enterprises -, casino, illegal and morally unacceptable projects.
These include criminal types of business: drug trade, weapon, contract goods, the organization of brothels, fake firms, laundering money, as well as fraudulent schemes in real estate (corruption during construction, evicting lonely old people and re-registration of housing).
To live calmly, engage honest and socially acceptable ways to make money, then you will gain not only financial freedom, but also sincere harmony.
6. Conclusion
In this article, we reviewed the fundamental principles of investment, recommendations from the best investors and business and finance specialists, and also met the most popular ways of investing free money.
In the next part of the article "Where to invest money," I will tell you about less common and at first glance it is not obvious ways to increase its capital.
And if almost all know about bank deposits, stock market and real estate, then, for example, how to create a good passive income, investing money in own Internet projects know a few.
Dear friends, I hope that you now sort out where to invest money so that they work and bring you a profit. After all, you can become rich and earn millions.
I wish you successful investments!
It is much more profitable to invest rubles in a crisis, so as not to lose its savings - recommendations from experts + top 5 of the most profitable investment areas today

The first is the most popular and the most banal type of money investment is in banks. I do not consider it at all, as a type of investment due to very small income. For me, the bank is just a repository for money, which is a little better storage of money "under the pillow" at home - the bank is more reliable and brings at least some kind of kopecks.

In the bank, I keep money only as a financial pillow with a volume of money for life no more than the next 6 months. For all other funds, the Bank is used as a transit point, after which money goes to other financial instruments.

Nevertheless, if you decide to use the Bank as an investment tool, you must remember that it is better to distribute funds to banks in such a way that there is no more than 1,400,000 rubles in each of each. Insurance applies only to such a volume of funds. Naturally, you need to choose a bank for reliability and popularity - it can be found in all ratings and work with the top ten banks. If you really want reliability, it is better to choose banks where the partial owner is the state - the state is unlikely to stop the activities of its bank. These are banks such as Sberbank, Rosselkhozbank, VTB, etc.

I use 4 banks: Moscow Credit Bank, Tinkoff Credit Systems, Sberbank, VTB.

2. Investing money in real estate

Popular type of money investment. Usually, if you ask a person "What to invest money", then the majority will come real estate.
Many of the first work remembers the real estate due to a banal point of view that if there are free money, then fearing them to lose, it is better to invest them in real estate, and there they will definitely persist. Many simply do not consider real estate as an investment tool for creating money, but are suitable from the position to save money. But if the real estate is considered precisely as an investment tool, then it is not as simple, it requires knowledge, experience, for a long time freezes money and yield is not always stable and great, and also requires a large initial capital. If you invest borrowed money, then there you need a lot of experience, which is clearly not suitable for everyone.

If the property is considered as an investment tool, I would recommend to consider the construction at the "Kotlovan" stage, because They can give maximum profits. Especially if it is an investment in elite housing. At the stage of "Kotlovan" it can cost 10-15-20 million (in Moscow), and after the construction of all 30-40-50 million - there are such examples.

If it is planned to further receive income on rental, then it is better to buy many one-bedroom apartments (next to the subway - it increases the rental cost).

Be sure to explore the infrastructure of the district and its future for the next 3-5 years. It is the infrastructure that influences the possible profit in this form of money investments. .

3. Investing money in MFIs (microfinance organizations)

An excellent way of investing for those who want to receive reliable passive income, but dissatisfied with a very small percentage of banks.

Pros and cons:
+ High annual percentage: 12-30%
- A rather high threshold of entry for individuals (this threshold is regulated by the state), i.e. With small amounts, you just do not have the opportunity to try this method;
- It is necessary to carefully choose the organization, because no state insurance deposits; But here is the principle: the more the older organization, the more reliable, but it should be remembered that a reliable organization will not give you a very high annual percentage.

One of the popular and reliable organizations with the possibility of insurance of all invested funds: which refers to the GC Rusmicro-Finance (from 2011 on the market, under the control of the Central Bank, own capital\u003e 300 million rubles, many references to RBC, banks.ru, etc.)

4. Investing Money in Pyp

You invest money in the Foundation, where they are professionally managed by the company. In my opinion, the tool is a very medium profitability, but in principle is stable. The main thing is that in the securities market (if you have chosen a blow with securities that are most popular) There were no serious oscillations. If you look at the statistics, then after the 2008 crisis, the PIFES returned lost money to investors somewhere only by 2011-12, i.e. If you have invested the money before the crisis, then the invested amount without loss (and, of course, without income) you returned to yourself only after 3-4 years.

From my experience - I invested in the FIF of telecommunications from Troykidiam and for a year and a half it gave + 44%. Then the foundation went under Sberbank asset management, then I brought money from the Foundation.

Very detailed about impassions in my articles:

5. Binary options

Binary options are options that either provides a fixed income size, or not, depending on the execution of the agreed condition at a certain time. Here I recommend binomo. They had an excellent service and an interface clearer for me, but make aware that I was not a professional on trade. With this service, you can really earn a quick money, but you can lose it :-) For professionals in the field of currencies, there is an opportunity to earn, but for non-professionals quickly "play" and also earn.

Screenshot at the beginning of work:

Screenshot after an hour of work (looking at the balance):

6. Investing money in business

Of course, I understand that business is not just an investment in the form of "invested funds, I forgot and get profit." This is possible, but it relates more to foreign countries. If you take Russia, then, in my experience, it is impossible to fully rely completely on people and, nevertheless, it is necessary to take part in the main decisions for the effective development of the business.

Of all the tools, the most highly profitable business. Basic risks at the very beginning. Then, if the business is growing, then the income increases, and the risks of this tool falls. Plus it is a very exciting and interesting tool - no wonder hundreds of thousands of books about business written in vain.

If you have nothing to start your investment, then the business should become your first tool and income generator, which then can be distributed to other financial instruments.

1) the main thing - do not be afraid to start;
2) Choose an existing market for work, the likelihood of creating a new market is very small;
3) Choose a working business model that you have seen somewhere - invent a new extremely risky. Implement a ready-made business model, only a little better than others - it is much easier than "build a new bike";
4) Choose not mass markets with high competition - you need to start with something small, and then how do you listen to someone - you often hear that if someone wants an online store, then directly technicians, phones, etc. and people do not understand that the margin there God gave 10% and to earn, you need to have very good turns;
5) If there is no money at all - start with the services of services, and not from the business of goods - it is at the initial stage less cost and less risky, but then it will be harder to scale and improve the quality of the services provided, especially if the service is complex, multi-step, etc.

In short, the business should be necessary :) This is the main financial instrument.

As John Rockefeller said: "If you have little money, you need to do business. If there is no money at all, you need to do business urgently! Right now!"

7. Investing money in securities

The use of this tool requires certain professionalism and skills. Of course, there are many examples when the shares of some companies in a short period of time (for example, 5 years) grew in price of 5-10-50 and ahead - and it seems that this investment tool is very promising. This is, of course, so, but it must be remembered that this needs to be well to understand and such examples of growth are single, and no one advertises hundreds of other companies that have broken. In my opinion, it is more profitable to trust the professional manager with a good yield history.

I myself use a brokerage account Tinkoff Bank. I sometimes buy stocks. Investing extremely conservative.

Over the past year, on the state of June 20, 2018, the income is 13.98%. It is almost 2.5 times more than the income of the bank deposit in state banks.

8. Investing money in precious metals

Investing money in precious metals - in such as gold (), silver, platinum, palladium.

You can go a few ways:

1) Acquisition of ingots in banks. Remember that in the event of their sale you will need to pay a tax of 13%.
2) Acquisition of precious coins. The main supplier of this kind of coins is Sberbank.
3) the acquisition of securities, which are provided with gold, through stock exchanges.
4) Opening an impersonal metal account. This is an account in which metals are performed as a currency. At the same time, in your reality there are no metals in your hands. All conditional. Obtaining profits is possible in the case of rising metal prices.

I myself participated in a typical High - Mmm, when there was a resuscitation of this system after the 90s. I decided at the end, but nevertheless remained in the plus: + 150 000 rubles - this is what I brought as a profit, and another 400,000 should have been, but did not pay. In short, it remained in a plus, but such an extremely risky look is not for me. They can be played with small sums, such as $ 200 invested and lucky - received $ 400, or did not get anything :) It seems to play more interesting in the casino and faster :)

12. Investing money in cryptocurrency

Who has not heard about cryptocurrency now? Even lazy heard. The topic, of course, is interesting, but very volatile and strongly susceptible to panic.

I have my cryptoportfel. I entered the market after Bitcoin began to cost 4-5 thousand $. It was somewhere in September 2017. Then I invested in different altcoins, I tried to study information, I made conclusions, I read the analyst, listened to Yutub- "Experts" :-) There were ups and downs. Redistributed a portfolio. I bought information in all sorts of closed services about what will grow, and what is not, etc. Invested in one ICO.

In short, there were a million actions and nerves, and the result is:

At the time of entry, I bought almost 2 Bitcoin. Now I have about one bitcoin :-) in the money about the same or even losses from the moment of entry. At the peak, I had about 33 thousand $, which I did not transfer to money, then I unsubscribed unsuccessfully a couple of times, etc. Now it remains about 7 thousand $ :-)

In general, my topic did not go or I did everything in time. But there is a portfolio, maybe a few years will shoot :-) or I will lose it ... :-)

13. Attachment in the sites of different types of ordeal

Investing in sites is also one of my favorite topics, because:

1) not required large investments;
2) high speed of return investment;
3) high profits;
4) the ability to do everything with "strangers" without the serious risks of "Her Hands" by performers, and therefore the good possibility of scaling the process.

But minus is that it is necessary to deal with and be "in the topic." Just take and earn on the site without understanding the principles and methods of monetization. Or possible, but funny 20-50 $ per month.

14. Investing on CPA sites under CPA (COST PER ACTION) affiliate

You are paid for a remuneration for a particular action by the user, for example, for the purchase of goods, for registration in the online game, for the issued tour, for the application or a credit card and many-many other options.

The essence of the method is simple - a site is created, the thematic traffic chases, a affiliate is posted and money is earned. For example, create a touchdown page on credit cards, where you describe 3-5 proposals and give partner links. In the case of approval by the Bank the application, which was issued by the user of your site, receive a reward of 400-1200 rubles for the application (the price depends on the conditions of each bank). Another thing to drive this financial traffic is worth a certain effort.

In any case, such affiliates are very beneficial. The main thing is to choose the right partner, niche, well, and catch up traffic.

15. Investing money in MFA sites (Made for Adsense)

In short, these are sites, sharpened on earnings from contextual advertising. It is impossible to make money normally, i.e. Alternative methods of earnings will bring more. But there is a plus of this type of earnings - this is the ability to install an advertising unit to the site immediately (this applies to Adsense) from the moment of creation, more. Thus, the site will immediately begin to bring something. From my experience - money is really a bit (depending, of course, from the subject), but the medical traffic is close to me, it gives approximately the result - every 1000 people bring about 1,500 rubles per month per day (provided that the contextual advertising is adequately, and not on Paul screen after downloading page).

16. Investing money in sites under the links

Mega Popular view of earnings - sale of links from the site, both rental and "eternal". Investments in this type of earnings were previously quite and very popular, and there was a high return. I myself earned a lot of money on this: for example, I will give a screenshot of the income of some of my sites (I started doing the screenshot - I saw that the site alone banned - eh ...):

In general, the number of sites is important. At this stage of development of search engines, I personally have income from this type of earnings seriously asked. Now I do not make a bet on him. Here is a screenshot of the dynamics of income over the years of one site. In principle, for all sites.

Another minus such an earnings - after such a monetization, the site can be thrown into a landfill. And while it is monitored in this way, a large number of traffic for other ways to earn money. Therefore, this method of monetization is suitable if it is impossible to earn another "cleaner" way.

At the time of 2019, I sold almost all my sites due to low income. It can be said that this type of earnings no longer works.

17. Investing money in applications for phones (Android, iOS)

In principle, a normal topic, if you know how to earn it. The easiest to make money on simple applications that can somehow help in life. Or applications that aggregate useful information in one place on a specific topic, or free applications that are suppressing something during use. Such on the freelanse can be collected for 30,000-50,000 rubles. In companies, naturally, more expensive. In this form, the idea of \u200b\u200bthis application is important. God forbid you try to repeat the success of any angry birds (by the way the company that made this game released a few hundred! Unpopular games) - first, it is a lot of money, and, secondly, if The idea will be failed, you will lose a lot.

18. Investing money in various publics on social networks

My experience in this sphere is unsuccessful, i.e. The money for the development of a public has gone more than he brought. Naturally, I am everything outsourced, and he himself did not touch him. Earn with publics in principle, it is very good, but we need ideological active performers (in case of outsourcing), if you are, then for you this kind of earnings can be very promising. Large investments do not require - mostly only at the initial stage, then you can catch the subscribers by exchanges. Very important quality content dibble.

If you choose the topic of public, then the most popular for a wide audience - then you will have the maximum number of advertisers who want to advertise. The most monetized and popular publics are about success, psychology, relationship, money. By the way, on the basis of a popular public, you can set a good sales channel for your business, but only provided that your product for wide masses and low-medium check (for example, telephone covers, T-shirts, small jewelry, inexpensive children's clothing, etc.) .

19. Investing money in its own development

The most important thing left at last. Investing money in yourself - the most super important solution in your life, with which you can always earn. Develop, read, visit seminars, buy info products, go to trainings, and most importantly, try, try, try to realize what you have been trained there - a clear thing is not everywhere teach effective things - your task is to drag nonsense and embed effective skills in one or another sphere. You will develop in yourself the skills that will always be yours, no one can take them away.

This is the most risk-free investment and the most profitable one is just a dream of an investor, which is low-cost and is available to everyone.

Without investing money in its development, everything else is almost meaningless. Contribution to yourself is like a powerful catalyst in a chemical reaction (I hope, remember a little chemistry).

I will be glad to comments on the article :) Good luck to you!

If you like this material, please click on the button from Facebook, Vkontakte, Twitter or Google + to find out other people. Thank you!