Where to invest a small amount of money. Where to invest a small amount of money Earnings with an investment of 5000 rubles

Where can I invest 5000 rubles to earn? What are the options for investing this amount of money?

If you are striving to increase your savings, then you need to make money make money. The amount of 5000 rubles imposes certain restrictions in terms of investment. For example, investing in financial markets (forex, PAMM accounts), land plots, starting a business will require a lot of money.

However, this does not mean that investing 5,000 rubles and making money at the same time is an impossible task. In this article, we bring to your attention the following options for how you can manage this amount of money.

#1 Bank deposit. This is a classic, one of the oldest and most proven methods of investing money for beginners. It does not require any specific knowledge, skills and abilities and practically no independent research - except for studying the bank for reliability.

At the time of writing, the average rate on deposits in Russian commercial banks was 9.5-10%. Thus, if you invest 5,000 rubles for a period of 365 days at 9%, then the income will be 450 rubles. Few people are satisfied with such an income, so more and more people are looking for other ways to invest their money.

#2 Self-education. Investing 5000 rubles in improving your own efficiency is a very wise choice. Once the legend of the investment world, Warren Buffett, one of the richest people in the world, said that the most profitable investment is in yourself. How can you invest in yourself?

If you do not want to go to courses, seminars and trainings, but want to educate yourself right at home, then we recommend that you pay attention to video courses from Brian Tracy - one of the most respected and recognized authorities in the world on personal effectiveness, success, and increasing material welfare and sales techniques.

What is the advantage of paid education compared to reading books and articles on the Internet? When you have invested 5,000 rubles in self-education, this willy-nilly will motivate you to learn the material and put it into practice. As they say, the worst advice is free.

#3 Investing on the Internet. Today there are a large number of sites offering to invest money. Many of them are scammers who create financial pyramids and close their projects after a certain time. Everyone who did not manage to withdraw their money on time remains at a loss. Therefore, be very careful and beware of so-called high-yield projects.

Very attractive, although risky investments on the Internet, are PAMM accounts. However, the minimum investment amount there is, as a rule, from 100 dollars (at the current rate of 6,500 rubles). At least this is the case with most popular financial brokers.

If you still want to invest 5,000 rubles on the Internet, then pay attention to startup exchanges - platforms that bring together entrepreneurs who need funding and investors who want to make money.

To date, there are two well-known exchanges - ShareInStock and Simex. Income is generated through the payment of dividends or exchange rate differences on resale.

The price of one share in ShareInStock is from $1, which makes it possible for people with different financial capabilities to invest.

Money comes and goes. But sometimes they get delayed. If several thousand of them were delayed, for example, five, then the question will inevitably arise what to do with them next: spend, save or increase?

All currencies in the world are subject to inflation, which gradually reduces their real purchasing power. Due to its impact, 5,000 rubles at the beginning of the year can buy more than at the end of the year. If the specified amount lies without movement at home all this time, then its owner will not receive much benefit.

It will be a little more useful if the rubles are converted into a currency that is less prone to inflation: the euro, the US dollar or the Swiss franc. During the year, the ruble exchange rate against them will decrease. After the reverse transfer of currency, more rubles will be on hand than at the beginning of the year.

For example, 5,000 rubles at the beginning of 2013 could be exchanged for almost $165, and at the end of the year, you could make a reverse transfer and get almost 5,400 rubles (8% more). Inflation for 2013 was 6.5%. A simple operation of converting rubles into a more stable currency not only saved the deferred amount from inflation, but also slightly increased it.

The result could be 2% more if 5,000 at the beginning of the year were not only transferred to another currency, but also placed in a bank on a deposit.

A slightly larger result (up to 12%) would have given a contribution in Russian rubles.

Another way to invest 5,000 rubles can be depersonalized metal accounts opened in gold, silver, platinum or palladium. The profitability of such accounts depends on the metal market. It can be not only positive, but also negative if the price falls. Over the past five years (2008 - 2013), the return on gold was 25%, silver - 26%, platinum - 6%, palladium - 31%. Thus, in terms of the year, the benefit is less than for bank deposits.

In addition to banks, funds can be placed in a credit and consumer cooperative. They offer a higher interest rate (up to 18% per annum). But this operation is risky. At the moment, CCPs are not covered by the deposit insurance system. In case of bankruptcy of the organization, shareholders will not be able to return their deposits in full.

If the CCP offers to place deposits at very high interest rates, then you should not contact him. There are clear signs of either a pyramid scheme or a banal fraud. This was shown by the collapse of the BashInvestCapital cooperative at the end of last year. Shareholders were lured by deposits of 60% per annum. The leadership of the CPC disappeared, taking 32 million rubles.

A mutual investment fund (PIF) is safer than a cooperative and more profitable than a bank. Investing occurs by acquiring a share. When leaving the fund, the share is sold. The difference between the purchase price and the sale price is the investor's return.

The activities of mutual funds are evaluated through various ratings, including by profitability. This circumstance greatly facilitates the choice of a fund to place funds in it. The disadvantage of this investment option for an ordinary citizen is the significant amount of the first installment, reaching 30 thousand rubles.

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Do you have 5,000 rubles on hand, and would you like to know where they can be invested with profit for yourself? Such a question is now facing many of our compatriots who are just trying themselves as investors.

Unfortunately, 5 thousand rubles is not such a large amount that it can be called a profitable investment with confidence. In order to get more profit, more significant investments are required.

Where can you invest?

However, even for such an amount, there are several options for profitable investment. The amount of income here will depend on whether you are willing to take risks or prefer passive income.

1. Bank deposit- this is the classic version of passive income, when you just put money in the bank and you can’t influence where it goes and how it works. On average, for such an amount, a rate of 5-7% per year is offered, i.e. Your maximum income will be 500 rubles per year. The most profitable options;
2. Organization of microloans from a private person. Today, many borrowers have a bad credit history, which automatically closes their way to most banks. In this situation, people begin to look for other options for receiving money, for example, from a private investor at a certain percentage. You issue the money against receipt, you set the rate yourself (it is possible for every day, week, month). On average, the yield will be 5% per month, but there are already risks. Details can be found in this article;
3. Investing money in your business, for example - the creation of a small site with a specific theme. Such an offer is available for those who independently know how to write websites in a special programming language. With the right content and creating popular queries, you can get an excellent income from each visitor. Small business ideas in this review;
4. Trust management, Forex etc. Such options are the most risky, but at the same time profitable, some players on the exchange manage to earn up to 50-70% of the initial amount per year. We recommend investing in already existing successful traders or looking for a loan broker, because. it is quite difficult to start earning money on your own at first. Look for details on the pages of our website;
5. Invest in yourself, in your education. Today, in almost every city, you can find many courses for advanced training, mastering a new skill, or even a profession that does not require significant amounts. If you live in a small community where there is not a wide range of courses to choose from, you can always find online trainings that will help you make a profitable investment in your education, which can lead to a salary increase in your place of employment, or even a drastic job change.

It is also worth considering all the options associated with the resale of any things. You can buy seasonal goods, inexpensive clothes, accessories for phones, and resell it on social networks and on Avito. Where could I buy? On joint purchases or online stores, for example,.

Where can I make a bank deposit?

As we said above, 5 thousand rubles is a very small amount for a really profitable investment. It is best to spend them on making a deposit in a bank in order to have a small but stable income in addition to your basic salary. You can choose programs with replenishment in order to make additional contributions to the account, and thereby increase your profits.

What we can offer:

1. In you will be able to issue a "Term" deposit, income - up to 8%, it is valid for 3 years, they accept amounts from 3000 rubles;

The blog site presents an up-to-date selection of tips for private investors. We help beginners decide where to invest 5,000 rubles or another amount.

The opinion that private investment is a closed sphere, and entry into it is available only to those who already have tangible capital, is erroneous. In fact, almost everyone can start receiving a stable passive income from the available funds, even those who do not yet have a lot of money.

Where to invest 5000 rubles with a guarantee of profit?

Novice investors who do not have sufficient experience and large amounts of free funds can try to work with accounts. This is an opportunity for storing and investing funds of several clients at once, as well as the trader himself. By accumulating money in the account, the trader is looking for opportunities for profitable investments, receiving profit and commission from other investors.

Why is it worth investing?

1. Passive income - your money works and makes a profit.
2. The ability to start small is an affordable private investment option for those who don't have large sums of money.
3. Guaranteed quick withdrawal and replenishment of the account in any convenient way.
4. Security through the distribution of funds between several deposits.
5. Yield up to 120% per annum.

It's time to stop guessing where to invest 5000 rubles. Private investing using collective accounts is a convenient and profitable option for anyone who plans to make their money work.

If you are thinking about where you can invest 5,000 rubles, then for sure, a large number of all kinds of options have opened up before you. Among all, a special niche is occupied by precious metals, namely silver. Moreover, such a small amount can already be invested in this financial instrument. Today we will talk about this, find out the feasibility of investments and the level of income.

Investments in precious metals, in particular in silver and gold, are always at the peak of popularity in times of global crisis, the country's difficult financial situation and high inflation.

In fact, all types of investments can go bankrupt, currencies can depreciate, accounts and banking structures become insolvent, HYIPs go bankrupt, and the price of precious metals can only grow. Due to the fact that the amount of gold, silver and platinum in the world is limited and the excavations are no longer actually being carried out, the price will never fall.

Below are charts of rising and falling prices for the most popular precious metals, which are always similar to each other. The drop in prices in the middle of the figure is due to the use of metals in the industry. So, about 10% of gold goes to the production of various mechanisms, and the rest goes to the manufacture of jewelry and casting of the ingot. With silver, the situation is slightly different, since about 50% goes to production. This indicator does not take into account the manufacture of dishes from this material.

(Fig. 1)

(Fig. 2)

A large amount of silver is spent on the manufacture of batteries, electronics. But nevertheless, according to research by Thomson Reuters, in 2015 a record amount of this metal was produced in bars - 292,000,000 ounces. But despite this indicator, it was used in production twice as much. As a result of this, we can safely rely on the fact that a silver boom is coming.

Many experts say that the whole world is on the verge of a huge global crisis, in which all financial structures will suffer, including banks and real estate investments. That is why investments in are now at the peak of popularity.

The prospects for growth in the value of silver are several times higher than those of gold. Moreover, according to statistics, the price of precious metals in this group has already increased by several marks since the beginning of 2016 and has approached a world record.

Where can I invest 5000 rubles and how to invest in silver?

There are several types of investment of this precious metal:

investment coins;


ingots;


jewelry;


collectible coins;


Exchange Traded Funds that invest in silver;


opening a metal bank account;


purchase of futures;


acquisition of shares of companies that are engaged in the extraction of precious metal.

It is especially popular in Russia. Sberbank of Russia is engaged in these frauds. There are several options for buying bullion, that is, it can vary from 50 grams to 1 kilogram. The cost of a fifty gram "piece" is 2817 rubles.

These investments are very profitable if you are sure that the price of this metal will increase, or if you are simply ready to wait for years. Ingots are very convenient when investing in the future of their grandchildren.

The purchase of jewelry and collectible coins cannot rightfully be considered profitable investment. This is due to the fact that in the first option, the price includes both jewelry work and the cost of it, and in the second case, the coins must be in perfect condition, which have not really been preserved.

One of the most profitable ways to invest in this financial instrument is in the bank. Its essence lies in the fact that you buy a virtual piece of the precious metal and as the price increases, dividends are accrued to you. It is worth paying attention to the fact that at any time you can withdraw your savings along with accrued interest. The main disadvantage is the presence of income tax, but nevertheless, this type of investment is much more profitable than buying bullion.

Investing in the purchase of shares of companies that mine this precious metal is also very profitable. Such firms are mainly concentrated in Mexico, as there are more than two hundred mines. You can see the silver price chart below.

Capital investment is a rather profitable type of investment, as the cost of one ounce is constantly increasing. At the same time, you can always choose exactly the type of deposits that you like. There are options with constant dividend payments, or you can put an ingot of this precious metal for several generations.

When deciding where to invest 5,000 rubles, you can always give your preference to investing in silver. For this amount, you can actually buy two bars of 50 grams or choose another type of this financial instrument! Big profits and constant payments to you!

Best regards, Mikhail Arslanov team