Is it worth investing in crashed stocks? Where to invest money, or the most profitable investments Investments in the foreign exchange market

The question of how to manage the accumulated money excites the minds of many people. How can you make the most of the little money? And what is the safest way of investing for a person inexperienced in financial subtleties?

Here we will consider several working investment tools for an investor of any level. Let's start with a simple one - a bank deposit, and end with securities. Let's start!

Opening a deposit account

The most common and traditional way to help save a small amount in the last hundred years can be called bank deposits. Indeed, opening a deposit is publicly available, you can start with 1000 rubles, making a deposit does not require special financial knowledge.

Here are some useful resources on deposits:

However, there are several nuances that should not be neglected:

• It is more profitable to open a deposit for a period of at least 3 months
• Higher income can be obtained if you do not withdraw accrued interest, but provide for a deposit with the possibility .
• Opening an account online through the bank's website often results in an interest rate increase of 0.5% - 1%.
• To open a deposit, it is better to choose a bank that provides for minimal penalties for early withdrawal of money from a term deposit.

Let's calculate, based on the average interest rate, how much income you can get if you place a small amount of money on a deposit, for example, 5,000 rubles.

• 1st year: 5000 + 5000 x 10% = 5500 rubles;
• 2nd year: 5500 + 5500 x 10% = 6050 rubles;
• 3rd year: 6050 + 6050 x 10% = 6655 rubles;
• 4th year: 6655 + 6655 x 10% = 7320 rubles;
• 5th year: 7320 + 7320 x 10% = 8052 rubles.

Of course, at such a rate, without replenishment of the account, it is possible to double the amount of the deposit in 7 years. But the unpredictability of the domestic economy cannot guarantee that over such a long period of time there will be no events that devalue the little money invested.

Therefore, our task is to consider more effective types of investments that can bring significant income in the second year of their application.

What is a mutual fund and how profitable is it for an ordinary shareholder

Financial analysts consider quite optimistic (mutual funds). The cost of "entry" to the fund can vary from tens to hundreds of thousands of rubles.

For example, the minimum cost of a share of 15,000 rubles, sells shares of 30 thousand rubles. However, even very small money can be successfully placed in a mutual fund by acquiring not a whole share, but its share.

The indisputable advantage of investing in mutual funds is their complete transparency and state control. The financial activities of mutual funds are strictly regulated by law. Therefore, fraudulent schemes when investing in mutual funds should not be feared.

If you do not know what a mutual fund is, then we highly recommend watching the video:

The only problem that the investor faces is the choice of a management company that will effectively invest the finances of shareholders in profitable securities. To do this, you need to carefully study the ratings of mutual funds, which are published quarterly in the media or resort to the help of a financial consultant.

Where to begin? Here are some helpful resources:

The end of 2014 can be significant for mutual funds in that they began to actively invest in shares of foreign companies. Since the investment attractiveness of Russian sites is quite limited, the expansion of the market will bring unequivocal benefits to shareholders.

Raiffeisen Capital Management Company, which showed a 31.54% yield on its Raiffeisen USA mutual fund at the end of the year, supplemented its portfolio with US, Chinese and European stocks.

Taking into account that among the securities there are the most popular "blue chips", we should expect high yields in 2013 as well.

The risk of losing financial investments in mutual funds is purely theoretical. Due to the fact that the invested money is distributed among different objects, the chance that all enterprises will go bankrupt at once is zero.

PAMM - high risks!

PAMM investment is in many ways similar to the placement of funds in mutual funds, the money is also transferred to the trust management of the account manager. Only this all happens in the virtual space, with the help of the Internet and the Forex exchange.

Opening PAMM-accounts today, many financial experts refer to the most priority types of investment.

The advantage of this investment can be called the fact that at first a small investor can invest a small amount in order to "taste" the possibility of earning money on the international currency exchange.

The initial investment in a PAMM account can start from $100. By transferring money to trust management of an experienced trader, the investor is freed from vigilant control over currency price fluctuations.

And since the trader's remuneration directly depends on the income received, it makes sense for him to earn as much as possible.

Again, even if the session is not very successful in one trading period, it may overlap the next day. The average profitability of PAMM accounts, according to statistics, is never less than 10-15% per month.

For an inexperienced stock trader, the best option would be to invest in Alpari. More or less stable company. Forex-Trend competitor turned out to be a pyramid scheme

Consider what effect can be obtained by the results of the month, if you place a small amount of $ 1,000. Dividing the money between 20 traders, we have twenty PAMM accounts with $50 each. If we take into account that such a situation is possible that not all accounts will have equally profitable trading, then at the end of the month it will be necessary to calculate the average profitability.

The average monthly yield is 11.21%, and at the end of last year, the profit was 177%. Thus, minus the commission that the PAMM account manager will have to pay, the net profit from the invested thousand will be a little less than $100.

You can withdraw the profit received at the end of the first trading week. But it will be more profitable for the investor to capitalize profits, i.e. adding it to the principal amount of the account.

Passive income: gold, securities, currency

It is impossible not to call one of the solutions to the question “where to invest a little money” investing in precious metals. The acquisition of gold, platinum or silver is possible either in physical form (bars) or by opening a metal account.

Undoubtedly, precious metals have not fallen in price for many decades. However, a dramatic increase in prices in the gold market is not observed.

Therefore, investing in precious metals should be planned for a sufficiently long period and it is better not to limit yourself to one metal when opening a metal account: “split” the amount into gold and another metal.

The topic of investment in precious metals is the most interesting for us. Here are some helpful resources

So where is it profitable to invest your money so that they work? In this article, we will look at 5 popular ways to invest funds that have stood the test of time.

Hello, friends! Alexander Berezhnov is with you, entrepreneur and one of the founders of the HiterBober.ru website.

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

With this post, I begin a series of articles on the topic “Where to invest money”.

Here we will consider both popular ways of investing money and “exotic” ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.

At the end of the article, I will tell you where you should NOT invest money so as not to burn out. So let's go!

1. Principles of competent investment or what experienced investors look for

Here we will look at the principles that should be followed in order to get a percentage of your investments above the bank rate with almost the same reliability.

Why do I say that almost the same? Remember the golden rule of investing?

Profit is always proportional to the risks that the investor takes on!

It may seem banal for some, but the first thing you should start investing with is to acquire the necessary knowledge. This means that it is best to invest the first money not in stocks, not in gold, not in a bank, but to invest in yourself - they will pay off many times over. This is what the two richest men in the world, Bill Gates and Warren Buffett, recommend doing.

After you have the necessary knowledge and understanding of various financial instruments, their principles of operation, expected profits and risks, you can move on to practice.

Principles of competent investment of the world's leading investors

Principle 1. Create a financial cushion

This means that without a certain financial base, it is STRICTLY FORBIDDEN to invest. The only exception is a bank deposit, as it is rather not an investment, but a savings instrument.

What is a financial cushion and how to create it?

financial cushion- this is a six-month supply of money that you and your family can live on while maintaining the usual standard of living, having no other sources of income.

You can create such a pillow by regularly postponing financial receipts (salary) or by selling existing property.

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

The exception when you can start investing money at interest without having a financial cushion is if you have passive income.

Passive income- the flow of money coming to you, which does not depend on your daily efforts, such as renting out real estate, stock dividends or profits from an existing business.

Principle 2. Diversify investments

For your money to work correctly, think about where to invest it in order to comply with the principle of diversification, that is, the division of funds into different investment instruments.

If you have become interested in the topic of investing, then surely this concept is familiar to you. In other words, this means " don't put all your eggs in one basket". If you have a basket of eggs and it falls, then all the eggs in it will break and you will be left with nothing.

This will happen with your savings (savings), if you invest them all in one business (project) or investment instrument.

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

For example, if you invest in the stock market, then try to form your investment portfolio* so that your money works in companies of different sectors.

Investment portfolio- the totality of all assets of the investor. For example, if you have a deposit in a bank, stocks, real estate, a business - all these tools for making a profit in terms of investments will be called your investment portfolio.

To make your investment portfolio as resilient as possible to market changes, invest 20% of free funds in the banking sector, 20% in the oil and gas sector, 20% in the manufacturing sector, and 20% in the agricultural or food sector.

So, if one company (sphere) starts to suffer losses, then the rest will “pull” your funds up and will not let the portfolio sink.

Principle 3: Manage risks

Risks- this is the main "problem" that absolutely all investors face.

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

Unfortunately, beginners make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are already rubbing their hands in anticipation of millions.

How are things in practice?

But in practice - everything is different! Having overestimated their strength and experience, many people immediately try to engage in aggressive investing and lose money, instead of investing in more conservative instruments. So it turns out in the end that the greed of the fraer ruined ...

Investments are the same science as any other professional business, which means that you need to evolve in this direction gradually, going from simple to complex.

Start with 100 or with 1000 dollars, and God forbid you invest large amounts at once, especially in what you do not understand!

The height of illiteracy here is to borrow money at interest and try to quickly "crank" them in some "super profitable" way.

In 99% out of 100, this ends with the loss of the entire amount and the credit burden that hangs over you like a sword of Damocles.

Do not rush, because if you become an investment specialist, then your future millions will not run away from you anywhere. On the contrary, if you rush and try to get rich instantly, then there is a great chance that you will never earn big money.

Principle 4. Attract co-investors

As you gain experience as an investor, you can invest together to form investment pools. So you can get more opportunities - where to invest money so that they work with maximum efficiency.

For example, you have found a project or tool that you think is attractive 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 a parity basis with you.

In recent years, a fairly common topic has become pamm accounts. In this case, investors transfer to trust management* your funds to a professional financial asset manager.

Trust asset management- a type of financial and business relationship where one person or company transfers its money (property) to another person - a trustee.

At the same time, the manager cannot dispose of these funds or property on the basis of ownership, but only has the right to use it to extract profit, a percentage of which he receives as a reward for successful management.

So several investors can create such pamm account pooled together and transfer this amount to trust management, while all risks of losses are assumed by investors in proportion to the invested funds.

With the manager of such an account (trader), investors can agree that he should stop working on the account when he receives losses in a certain percentage of the account value.

If we summarize this investment scheme, we see that investors are ready to donate, for example, 15% of their money to potentially receive 30% income.

Principle 5. Create passive income

Increasing your capital is very good, but equally important is the creation of passive income from your investment activities.

Why is it so important?

If you understand the course of my thoughts, then you are guaranteed to take a fresh look at investing your funds.

illustrative example

You invested 100,000 rubles and received 130,000 rubles in a year, that is, you earned 30% on the invested funds.

However, next time you cannot be 100% sure that you will earn another 30% or more in a year. Considering that such profitability is much higher than the banking one, it means that the risks of this method are much greater.

You may even lose most or all of the amount if something goes wrong next time.

On the other hand, if for 100,000 rubles you could create passive income for yourself, for example, the same 2,500 rubles a month, which also amounts to 30,000 rubles a year, then in this case, you can easily borrow the same 100,000 rubles and invest them more conservatively, so your asset with a passive income of 2,500 rubles is a guarantee of the return of a new loan amount of 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, here is what Robert Kiyosaki says about the importance of passive income:

2. How much can I start investing

You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.

If you have no money at all, then just start saving at least for 10% from any of your income. So you will form the habit of creating a financial reserve for yourself and as your income grows, your savings will increase proportionally. Money will work for you while you rest.

All famous people who teach success and proper handling of personal finances talk about the need to save money: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.

The fact is that many people, with an increase in income, begin to spend even more and even take loans, since they do not have enough money all the time. It is called "reached the good life".

Always control your balance between income and expenses, live within your means!

Franchising is one of the most reliable and profitable ways to invest.

Do you want a reliable investment option? Take advantage of the offer of our website partners: become co-owners of a chain of Japanese cuisine restaurants.

The project is handled by Alex Yanovsky, a businessman with 20 years of experience who has launched many successful startups from scratch. At the time of writing, the Sushi Master franchise has 125 restaurants in 80 cities and 8 countries around the world.

My friend Sergey, opened a Sushi Master point in Maikop in the format of an island, having invested 1.5 million rubles, and six months later he already paid off his investment. So the scheme works not only in theory, but also in practice.

In section number 4, I will describe in detail how to competently open a business for this franchise, investing quite a moderate amount in a promising area of ​​\u200b\u200bpublic catering.

Here is what Alex has to say about the benefits of starting a franchise business:

3. Where to invest money to make it work - 5 profitable ways to invest

Now many people's eyes widen from various proposals - where to invest money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super-course, after which you will become a millionaire in a week.

But in most cases, all these "magic pills" are nothing more than a good way to steal your savings.

Now we will look at the classic ways that allow you to invest in understandable instruments with predictable returns and moderate risks.

Method 1.

This is the most popular way to save money, but its income is barely comparable to the inflation rate in the country. So if you invest money in a bank and keep it there from year to year, then at best you simply won’t lose it, there is no question of more or less tangible earnings.

Now Russia has adopted a law that guarantees payments on deposits in 1,400,000 rubles in case the bank fails. This applies to all banks that have an official license to carry out banking activities.

Previously, the sum insured was 700,000 rubles. That is, if you invested your money in a bank and for some reason it ceased to exist, then the state will compensate you for your money if the deposit amount does not exceed the insurance one.

Now in our country there are hundreds of banks with interest rates from 5% before 12% .

Historically, the most popular bank among our citizens is Sberbank, although here the percentage of deposits is one of the lowest, but a large branch network and high reliability of the bank itself allow it to remain a leader in terms of deposits.

Pros and cons of investing in a bank account

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 clarity of the investment instrument.

Minuses:

• low interest on deposits;
• loss of interest on early withdrawals.

Method 2. Stock market and mutual funds

Part of the financial market where people or companies can purchase stocks, bonds, futures and other securities.

If you have free funds and want to get more income than in a bank, but you take on relatively large risks, then the stock market will be a good tool for you.

To start investing in securities, you just need to contact a bank or a specialized brokerage company that deals with operations in the stock market.

Personally, I recommend two well-known brokerage companies for this: Aton Investment Company and Otkritie Brokerage House. You can safely invest your money in these companies so that they work and not be afraid to lose 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 according to the duration of investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities within a short period of time: from a few minutes to several weeks.

There are medium-term investors, they buy shares for several weeks or months. There are also long-term investors, they usually act on the “bought and forget” principle - they invest their money in securities for several years, assessing the potential of the company and the industry in which it operates.

The last type of investor is investment guru Warren Buffett. Once he was asked when to sell the purchased shares, and then Buffett replied that never! This is his concept of long-term investment.

You can manage your investments yourself or entrust this business to a professional manager (trader).

There are also special funds where you can invest money - mutual funds.

mutual fund- mutual investment fund. This is a financial organization that independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.

Based on the results of a certain period of management, interest is accrued to you according to the size of your share.

But if you definitely receive more at the end of the year than you invested in the bank, then here your profitability may be negative, that is, the fund may work at a loss.

Pros and cons of investing in the stock market and mutual funds

Pros:

• a small initial amount for investment (from 1000 rubles or even less);
• interest at the end of the reporting period is usually higher than in a bank;
• a large selection of investment instruments (stocks, bonds, futures, options);
• opportunity to receive dividends;
• the opportunity to independently compile an investment portfolio, choosing a flexible ratio of risks and expected returns.

Minuses:

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

Method 3. Forex (currency market)

Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy one monetary unit for another, for example, dollars for euros.

Speculator traders make money on Forex, most of them make intraday trading operations.

After all, we want to know all the ways where to invest money so that they work and Forex will help us with this. After all, here you can quickly increase capital several times in a couple of months. In a popular article on our website, I have already talked about my experience of trading on the stock exchange and about how.

Indeed, in Forex you can earn a lot. However, this comes with huge risks and you can lose your investment capital in minutes.

Now a large number of companies offer Forex trading services. Such companies are called Forex brokers.

Be careful when choosing a forex broker. Since now there are many companies that do not bring your trades to the real currency market and you just play on your computer in the trading program like in a casino (of course, losing your money).

Before you start doing this way of investing, read customer reviews, go to the company's office, make sure it is trustworthy and serious.

Pros and cons of investing in Forex

Pros:

• a small entry threshold (usually from $100);
• the ability to quickly and earn a lot;
• a large selection of investment instruments (currency pairs for trading).

Minuses:

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

Method 4. Bitcoin (Cryptocurrencies)

Here you can make very good money, but also lose if you do not follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages: decentralization, anonymity, security, limitedness. This means that Bitcoin is not controlled by any state, and due to the limited issue and the growing demand for cryptocurrency, its price will only grow in the future. You can buy Bitcoin at a favorable rate 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 wonders where to invest his money.

You can buy both residential and commercial invisibility. Naturally, commercial real estate provides more income than residential, however, and requires more knowledge for its competent purchase.

In addition to buildings, real estate also includes land, 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 this way of investing is also not without its drawbacks.

Pros and cons of investing in real estate

Pros:

• the opportunity to rent out real estate and receive passive income;
• the opportunity to sell real estate and earn on the difference between the purchase and sale prices;
• a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
• due to the fact that real estate is a tangible (tangible) asset, it can be used for your own commercial or non-commercial needs, for example, you can open a business in the premises, you can live in residential real estate.

Minuses:

• high entry threshold (usually from several hundred thousand);
• low liquidity (cannot be quickly sold without a significant loss of market value);
• subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money if it is damaged or lost).

Method 6. Own business

If you have an entrepreneurial spirit and some commercial experience, then one of the best decisions for you is to invest in your own business.

Simple example:

Resale of Chinese goods with a large margin (300-800%).

You can buy goods in bulk in China or from a wholesale supplier in a major city and start selling them online. Often such a scheme is also called "Business with China" - a very profitable and promising direction in Runet.

The team of our site is personally acquainted with a successful entrepreneur in this field, Evgeny Guryev. Zhenya not only has been running her business for a long time and effectively, but also teaches others about it.

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 Evgeny and he will guide you by the hand on all issues of creating a successful business selling Chinese goods.

Be sure to check out the testimonial of the wife's students to be inspired by their success stories:

Yes, there are also certain risks here, but you can manage them flexibly, because in this case you yourself decide where to direct this or that money in order to get the maximum return from them.

It is especially effective to invest in your own business if it is already running, and your new investments will help the business bring even more profit.

Pros and cons of investing in your business

Pros:

• you manage your money yourself by building and optimizing business processes (being the owner of the business);
• for business projects, it is quite easy to find co-investors, which helps to attract larger amounts than if investments were made alone;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risk of losing money;
• low liquidity of most assets (you cannot quickly sell equipment, goods, and the like without a significant loss in value);
• loss of a share in a business project (in case of attracting co-investors).

4. Sushi Master franchise business - investing money profitably

Owning a business from scratch is a rather risky undertaking. This requires a solid start-up capital, an original idea and a well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a known payback period and guaranteed profitability.

The network of Japanese cuisine restaurants has its representative 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 Sushi Master company. The promoted product of the company is a predictable business with a proven and effective structure.

The owners pass the finished model to their partners, the latter only have to comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.

Franchise payback period: 5-18 months depending on the region of location, chosen format and other objective factors.

The algorithm for opening a Sushi Master franchise branch is as follows:

1. Apply on the official website of the company.
2. You pay a lump-sum fee - at the time of this writing, this amount is 400,000 rubles.
3. Take a course at the training center in Krasnodar.
4. You get the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
5. Together with the franchise owners, you choose a place for a restaurant, calculate the payback, and get the support of a start-up team.
6. You open a restaurant.
7. Together with the team, bring the project to a stable profit.

You will calculate the total initial investment together with the team on an individual basis. Cost range: from 1.3 to 4.5 million rubles. The term for opening a restaurant is from 3 months.

The advantage of this model is that it is guaranteed to work. All possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a member of a successful business that has already paid off more than 100 times, brought and still brings profit to its owners.

The co-owner of the company, Alex Yanovsky, is the founder of his own School "Business behind Glass", a successful entrepreneur whom I know personally. In his honesty, as well as in the profitability of the franchise, I have not the slightest doubt.

The risks are minimal, and the support of the training center led by Alex Yanovsky is continuous and constant. At your disposal - the experience of successful businessmen, professional equipment, proven marketing technologies.

The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Public catering establishments in the street format or the "island" format are in demand and popular - we offer these options to our partners.

5. Where you should not invest money so as not to burn out

You should not invest in obviously losing enterprises - casinos, illegal and morally unacceptable projects.

These include criminal types of business: trafficking in drugs, weapons, contract goods, organizing brothels, shell companies that launder money, as well as fraudulent schemes in real estate (corruption during construction, eviction of lonely old people and re-registration of housing).

To live in peace, engage in honest and socially acceptable ways of making money, then you will gain not only financial freedom, but also spiritual harmony.

6. Conclusion

In this article, we reviewed the fundamental principles of investing, recommendations from the best investors and experts in the field of business and finance, and also got acquainted with the most popular ways to invest free money.

In the next part of the article “Where to invest money”, I will talk about less common and at first glance not obvious ways to increase your capital.

And if almost everyone knows about bank deposits, the stock market and real estate, for example, few people know how to create a good passive income for themselves by investing in their own Internet projects.

Dear friends, I hope that now you have figured out where to invest money so that it works and brings you profit. After all, it is you who can become rich and earn millions.

I wish you a successful investment!

Where is it more profitable to invest rubles in a crisis so as not to lose your savings - recommendations from experts + TOP-5 most profitable investment areas today

Many who have available funds are willing to invest money to make them work. At the same time, it is important that the income received exceeds the rate of inflation. At the same time, every investor wants the risk to be minimal. It is impossible to do without studying modern investment options in such a situation.

Before you start analyzing and comparing options for investing money, you should remember a number of rules. They help you make the most of your investment. Here are some expert tips to help you avoid most investment problems.

1. You can only invest free money. In other words, the amount that can be invested is determined as the remainder of income after payment of basic payments and needs. It is also not worth risking money that is not your own, borrowed or on credit. If you do not follow this rule, you can get into a difficult financial situation. There are cases when the investor's families were left without a livelihood. In addition, there is a risk of losing funds, which will lead to the inability to repay the loan. The result can be a damaged credit history.
2. You should not expect that you will immediately be able to provide for yourself by receiving passive income. Most likely, at first it will be too small to provide a comfortable existence. Therefore, at first, most of the earned funds will have to be reinvested, that is, sent to increase the invested capital.
3. It is imperative to draw up an investment plan. It should clearly indicate all the parameters of investing money. First of all, such a plan should fix what investment options and in what proportion will be carried out. At the same time, it must be flexible enough and easily adapt to changing conditions.
4. In order not to lose all the invested funds, the risks should be diversified. That is, you can not invest all the capital in one investment project. It is best to choose at least 3 suitable options. The probability that three projects at once will be unprofitable is small. With proper analysis, at least one will bring profit.
5. It is important to constantly monitor the invested money. Regular monitoring of the situation allows you to make the right decision, as well as adjust the financial plan if necessary.
6. Do not get involved with dubious projects that promise huge profits. In this case, there is a high probability of encountering scammers, which means losing the invested funds.

These simple tips help even novice investors to competently enter the financial investment market. Do not forget that investment is also work. Without a regular analysis of the situation, it is unlikely that it will be possible to make money.

Top 10 most profitable investments in 2020

The instability of the economic situation leads to the fact that the profitability of investment products is constantly changing. It is important to calculate all possible options and coordinate them with the circumstances prevailing in the country and the world. In search of an answer to the question of where to invest money profitably in 2020, experts have compiled a rating of the best options.

Investments in the development of small businesses (Alfa.Digital platform)

For those who decide to start investing with an amount of 100 thousand or more rubles, investments in small businesses through specialized platforms are great. Most often, such options are offered by large banks. They develop investment products. By investing money in them, the owner of the funds essentially lends to the companies selected by the bank.

Despite the fact that the risk in this case falls entirely on the shoulders of the investor, it can be noted that it is relatively low. This is due to the fact that the money invested is distributed among a large number of organizations.

An excellent example of a site that offers to make a profit in this way is Alfa.Digital, organized by the bank of the same name. The following investment conditions are offered here:

• yield up to 30% per year;
• payments are made once a week with accrued interest;
• the minimum investment amount is from 100 thousand rubles.

Investments in P2P lending

P2P lending service allows you to invest almost any amount. In fact, it is a so-called social loan. Both the borrower and the lender in this case are individuals.

This option is a very profitable investment. The interest on P2P lending is about one and a half percent per day. True, about half of them will have to be paid to the service that performs intermediary services.

Those who are looking for P2P lending services can explore two interesting portals - Vdolg.ru and Loanberry. The first site accepts investments ranging from 4 thousand to 10 million. This amount is enough to invest money and receive a monthly income. Loanberry allows you to start investing in loans to individuals from 1000 rubles with interest from 20-30 percent per annum. Moreover, now there is such a function when, for a fee of 5%, you can connect insurance against default, when the site takes over the payment of the debt in the event of a default of the borrower.

Investments in Forex (currency market)

Many have heard what Forex is. However, not everyone understands that it is not limited to independent trade. To make money in the foreign exchange market through trading, you will need a significant amount of serious knowledge. In addition, without experience, it is unlikely that you will be able to make money with independent trading.

However, you should not refuse to invest money in Forex, just choose one of two popular methods:

1. Pamm accounts are a certain type of transfer of funds to the management of professional traders. In this case, you can invest even a small amount. It is determined solely by the conditions of the selected PAMM account.
2. Those who dream of entering into Forex transactions on their own can use social trading systems or copy the transactions of professionals. In the first case, based on the opinion of experienced traders, forecasts of market behavior are made that help beginners make the right decision. When copying trades, you should choose a trusted trader in order to find out about all the trades he concludes.

When opening positions on their own, the investor has more opportunities to reduce risk. This is explained by the fact that in the absence of confidence in one or another forecast, you can refuse to conclude a deal. In PAMM accounts, all decisions are made by the manager himself.

Investments in startups

Investing in a startup is a profitable investment that can bring serious profits if successful. A startup in the financial world is a business project or an idea that is at the initial stage of development. It is quite natural that even the best projects need an infusion of funds for their implementation. However, not all idea owners have free funds. Therefore, they are forced to seek help.

It is unlikely that a bank will be able to get a loan for the development of the project. This is due to the lack of confirmation of the profitability of new projects. Investors who prefer to invest in promising projects at the stage of their inception come to the aid of novice businessmen. The main difficulty of investing in startups is that it is very difficult to determine which project will be profitable and which will bring a loss.

Investments in mutual funds

A mutual fund or a mutual investment fund is a promising investment that can be classified as a type of collective investment. Contributors (in this case they are called shareholders) acquire a part of the fund's property, which is called a share, and wait for its value to grow. In fact, such investments should be long-term, in which case the probability of making a profit is the highest. The advantages of a PIF are:

• high degree of protection from the state;
• no need to have special knowledge;
• low entry threshold - the cost of a share starts from two thousand rubles.

The return of a mutual fund depends on the investment strategy it uses. Allocate moderate, conservative and aggressive funds. In the order in which they are listed, profits increase. But do not forget that the risk is directly dependent on it.

Experts recommend that if an investor, in the course of choosing where to invest in 2020 profitably and safely, gave preference to mutual funds, choose funds for investment that invest the collected funds in the field of IT technologies. To date, they are the most promising. In addition, such mutual funds are distinguished by the best combination of profitability and risk.

Investments in investment or endowment insurance

Investment and endowment insurance programs are a combination of a profitable financial product with insurance. When drawing up an investment insurance contract, the client receives a number of advantages:

1. guaranteed profitability of 13% from the state due to a tax deduction;
2. investment profitability due to the management of your money by an investment or management company;
3. the opportunity to open a deposit for a longer period than ordinary deposits.
4. Free life and health insurance;

Cumulative insurance allows you to solve two problems:

• protect yourself in case of financial problems;
• accumulate a significant amount of money through effective cash management.

Investing money in securities (Through IIS)

Those who decide to invest in stocks and bonds should open an individual investment account. This can be done by contacting brokers or the management company. Most often, investors make money in the stock market in one of two ways:

1. Independent trading involves opening deals solely on the basis of the knowledge of the investor himself. In this case, it is unlikely that you will be able to make a profit without experience and certain skills.
2. Copying the strategies of experienced managers. Such profitable investments, for example, are offered by Finam. It is implemented using the Trade center service. It is enough to choose a strategy and connect to it so that all transactions made on the professional account are transferred to the investor's IIS.

Investing money in real estate

This method requires the investor to have a sufficiently large sum of money. The amount of capital depends on the region and the type of property purchased.

In order to make a profit, you can purchase both residential and commercial real estate. There are several options for making a profit with this method of investing:

1. purchase of real estate for the purpose of subsequent leasing;
2. purchase for resale.

In the second case, you can increase the amount of income by buying real estate under construction or by acquiring dysfunctional or “grandmother's” apartments and selling them after repair.

It is important to remember that the sale of real estate that has been owned for less than five years leads to an obligation to pay income tax.

Bank deposits

Deposits have recently lost their popularity. This is explained by the decrease in the level of interest rates. However, they deserve attention. Despite the fact that this option is not a real way to make money, if you invest money at interest on a deposit, you can reduce the impact of inflation. Deposits are suitable for those investors who do not have sufficient financial knowledge, as well as large capital.

A deposit can be opened even for small amounts - many banks offer to conclude an agreement for one thousand rubles or even less. For many, the determining factor when choosing a deposit is the interest rate. In connection with the current system of deposit insurance in our country, the choice of a bank faded into the background. In search of where it is more profitable to invest money, you should pay attention to the programs offered by Tinkoff Bank. The stakes here are always at a fairly high level.

Investments in MFIs

Investments in MFIs allow you to invest your own capital at a high percentage. In this case, you do not need to have any additional knowledge and skills.

However, this option is not for everyone. Most companies set a fairly high minimum entry threshold. Traditionally, it is at the level of one and a half million for individuals and 500 thousand for legal entities.

Thus, there is no universal answer to the question of where it is better to invest money. The decision must be made on a case-by-case basis, based on the available amount, as well as the desired risk and return.

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂

There are a lot of investment options! Not all of them are effective, and what to hide, there are often simply fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest our money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples and useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

• What are the investment options, what is their yield and which one to choose?
• Where can you profitably invest money on the Internet?
• How to invest money in order not to burn out?
• And also about where it is better not to invest your money!

Get comfortable and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and losses!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

Usually the risk is proportional to the return, i.e. The higher the return, the higher the risk and vice versa. But this rule does not always work.

But in any case, who does not take risks, he does not earn. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

And also consider all the pros and cons of each investment option.

Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals…) — 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (currency market, cryptocurrencies…) — 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with a very high yield, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to receive the maximum income, but at the same time they completely forget about the risk. And as a result, because of greed, they are left with nothing.

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules!👇

2. Where is it better to invest money in 2020 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest money so that they generate income!

I will immediately share with you, using my personal example, one rather profitable investment that allows you to receive much more than ordinary bank interest. 😉

Pamm-account "Arslanov Fund" and its profitability

Another PAMM account that I invested in is ““, the largest account in Alpari, it manages more than 155 million rubles!

Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, nevertheless, for 5 years it brings investors "clean" every year near 60-80% . Agree very well! 😀

Another plus of PAMM accounts is that the minimum investment amount is practically unlimited here, you can start with at least 3,000 rubles.

For the time being, I am only looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article.

However, although in this way you can earn quite significant amounts, nevertheless, you should not forget about the risks. Still, invest in PAMM accounts no more than 25-30% of the total amount of your investments (at the same time, also distribute the risks among the accounts, do not invest everything in just one account, choose at least 2 accounts).

More details about this type of investment will be described later in the article, so be sure to read to the end.

And now we will consider separately each of the options where you can invest money.

Option #1: Bank deposits/savings accounts

Deposit rates have been falling steadily in recent years and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

So for 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts" (IIA) are suitable, which, for example, can simply be opened in the same (using this link, you can invest 1 month without commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.😀

☝️ In addition, if you invest money for at least 3 years, you can get a personal income tax deduction (13%), i.e. in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But of course, there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis ! The rest of the time, stocks generally grow steadily and show good profitability.

In addition, you need to understand that the price of shares depends very much on the actions of speculators, rather than on the real financial position of the company in the market.

Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (US 100 high-tech companies).

If you do not want to personally invest, then there is an option to entrust the money to professional managers. I already mentioned how I invested in Alpari managers at the beginning of the article! I will tell you more about this direction a little later in this article!

You can easily invest in stocks through.

CONCLUSION: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

Option #4: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.

Moriarti PAMM account, its profitability for 5 years was 135464% (click to enlarge)

💡 More than $2.5 million , its profitability for 5 years amounted to over 135 thousand percent.

However, it should be taken into account that despite the fact that accounts/portfolios have shown good returns in the past, there is always a possibility that they will turn out to be unprofitable in the future.

Therefore, I repeat, do not invest all your money in one trader! Distribute funds at least among 2-3 reliable managers that trade profitably for a long time. If the accounts are relatively new (less than 6 months old), then completely divide the initial investment among 5-10 traders.

Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!

For more information about what Pamm accounts are and how they work, you can watch a free training webinar from professionals in their field:

You can go to the Alpari website and get acquainted with Pamm accounts.

With a larger initial capital, you can work with large stock brokers (for example, Finam and BCS), which also provide various trust management strategies.

✅For example, on Finam in trust management, you can give from 300 thousand rubles. Their website features dozens of diverse strategies: conservative, moderate, and aggressive.

Of course, both brokers and managers also cannot guarantee 100% that you will receive income.

Here I want to tell you a few words about the so-called "structural products", because they are also directly related to trust management. Income here, as a rule, is not the same as Pamm accounts can give, but nevertheless, structured products can bring significantly more than bank interest and bonds.

They are also intended for beginners who want to increase their money. Structured products can bring returns up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which, as experts expect, will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars(some brokers have a higher minimum threshold) and for a period from 3 months.

I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.

✅BCS offers investments in Gazprom shares with a guaranteed return 10% per annum(even if their price falls) and 100% capital protection. In the event that the share price rises, then you can even get 14% per annum .

So there are only 2 options: you will get either 10% or 14%. Consider that there are no risks, except for the actual bankruptcy of the company. But it is extremely unlikely that the number 1 company in the entire brokerage market in Russia will go bankrupt, it is similar to the fact that Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.

Investments are calculated for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Particularly suitable for beginners.

Option #5: Bonds

DESCRIPTION: Where do you think big banks invest their money? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the easiest investment tools. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

☝️ By the way, Sberbank and other banks sell national government bonds.If you invest for 3 years, then you can get an average return on them of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most currently available bank deposits. Moreover, in the future, interest rates on deposits may decrease.

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, large funds can also be invested in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens and hundreds of percent . But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought without the need to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.

Option #6: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency.

This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased $10,000 at the exchange rate of 57 rubles/dollar — as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, amounted to 30 000 rubles(of which the broker's commission is approximately 600-800 rubles).

On Forex, you can trade both yourself and give money to professional traders (this will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience and h knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

It is important to note that when trading personally, you need to follow a proven trading strategy, otherwise trading is likely to turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to the strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can earn a high income. For those who are not ready to study seriously, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

Another option is to buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

At the same time, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and aspiration!😀

I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires about 70-80% - These are entrepreneurs who started a business from scratch!

✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even if it is small at first. The main thing in this business is not to be afraid take the first step!

Think about it, maybe you always wanted to open your own auto shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a business in the service sector.

I will also give you a few options from my experience, how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is easy to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this! 🙂

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While both in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

CONCLUSION: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

Mutual investment funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, such as Sberbank.

If this type of investment is right for you, then it makes sense to choose not one mutual fund, but several in order to distribute possible risks.

And make it a rule before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Option #9: Microfinance Institutions (MFIs)

DESCRIPTION: Another type of investment is investing in MFIs. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you still decide to invest in an MFI, then be sure to choose a trusted company that has been operating on the market for more than one year.

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!😉

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Option #10: Precious Metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

Gold coins/gold bars can be purchased both at almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).

Despite the high reliability, investing in gold is more suitable for saving existing funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has grown from 1,600 rubles per gram to 2,400 rubles per gram.

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has significantly fallen in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago when bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that bitcoin is about to crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that bitcoin and other cryptocurrencies will probably grow in price.

Especially while cryptocurrencies show a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to earn money in this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

FROM 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

Meanwhile, the owners of such publics also earn mainly from the publication of advertising posts. In public with millions of subscribers, the cost of one advertising post can be worth 2-7 thousand rubles .

Publics with relatively small investments pay off very quickly. Although now the competition in the public is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then you won’t have to wait long for success!

3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.

For example, if a person who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

If you can effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go exactly to advertising.

But in this case, the main role is played by experience, without it, nowhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers…

For example, projects that are engaged in the exchange of electronic money are very popular (in fact, they are called exchangers).

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is through exchangers. By the way, you can also buy bitcoins with the help of exchangers.

Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a fairly decent income is obtained.

5. Apps for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where big money is spinning.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent affiliate commissions from airlines.

Even if you don’t know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays the key role - the success or failure of the application depends on it.

6. Hype. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can only function for a few days or weeks, after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a scam (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can give high returns with a minimum investment.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment tool.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture capital investments.

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investment is underdeveloped in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Option number 14: Art objects

DESCRIPTION: Another unusual way to invest your money is to invest it in art. This is a rather narrow and specialized market, however, it can bring good returns.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only cost more over time.

And the crisis practically does not affect the value of art objects.

CONCLUSION: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.

Option #15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, but always the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience ...).

It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.

I think more than once you have heard stories that most people who have won millions in the lottery, after a few months or years, again returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences about investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the USA: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - in a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍

3. Golden rules for proper investment - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money properly!

First What I talked about at the beginning of the article is not to store all your eggs in one basket. This rule applies especially to you if you have a lot of money to invest.

Instead of investing everything in one instrument, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second- try to invest most of the funds (40-60%) in assets with the least risk, the best choice between profitability and risk, as for me, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is an already tried path, in which a huge number of people have lost fortunes!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- Before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.

It will also be great if you learn how to give 10% of your profits to charity.

✔️ As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. Consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

Also a relatively small amount by the standards of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payouts, very favorable conditions, etc. - all if only people would invest their money.

💡Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

Another controversial investment tool is sports betting. It is realistic to make money on them in the long term, but only bet organizers and 5-10% of participants (those who are in the know) do this, and the rest only constantly lose money.

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin 😀).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀

Once again, I emphasize that in my experience, the most profitable investments are investments own business / business and knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!

• • Method number 10 - Bank deposit
  • Method number 9 - Precious banking metals
  • Method number 8 - Acquisition of securities on exchanges
  • Method number 7 - Trust management, mutual funds and PAMM accounts.
  • Method number 6 - Investing in someone else's business project
  • Method number 5 - Open your own business
  • Method #4 - Create and Own Your Own Website
  • Method number 3 - Investing in real estate
  • Method number 2 - Engage in short-term lending
  • Method number 1 - Investing in the education of children or your self-education
  • A dubious way to invest little money: from 1500 rubles
• 4. Conclusion

This article will discuss how to invest small amounts of money, which, as a rule, the most ordinary citizen of our country has. There is an erroneous opinion that investments are the prerogative of rich people. This is a delusion; almost every Russian can invest small amounts of money.

The expression “money should work” has become quite popular and modern, especially on the Internet. However, it is worth noting that although this expression is popular, but only a few bring it to life. The reason is that most people face certain obstacles and do not know how to overcome them or do not want to cope with them.

The fact that you want to invest requires a certain amount of free funds and the absence of debts on payment cards, loans, and so on. If you still owe someone, then it is better to postpone investing - existing instruments, as a rule, will not give you income in excess of interest rates on bank loans.

The most common problem - the presence of medium and small savings, because they are so small that it is difficult to invest in a worthy and profitable business project.

Therefore, the question arises - where can I invest a small amount? Before answering this and other questions, it is necessary to create a solid basis for the accumulation of funds.

We decided to compile the top ten ways in which you can invest a small amount of money, while not only keeping your savings, but also increasing them.

1. Accumulation of invested capital

Start saving the minimum amount 10% from your monthly income, even if it is a couple of hundred rubles at the beginning. The amount can be more than 10%, but not less.

Even "ridiculous" at first, the money turns into a decent amount over time. To accumulate funds, review your expenses and give up various luxury items and other non-essential expenses.

Depriving yourself of everything will be wrong - you will not be able to hold out long enough. Read more about how to save and save your money in . There we painted - 10 ways to save money.

Saving money to start investing

A very correct decision there will be a transfer of part of the salary to various special piggy bank accounts (it may be worth opening a deposit), such services are often offered by modern banks. You do not see this money and do not have it, so there is no temptation to spend it.

Also, an important condition for normal investment work will be the presence of "NZ". Those. money covering your six-month expenses, the so-called "rainy day reserve".

Everyone can experience temporary difficulties, non-payment of wages, illness or loss of a job.

2. Where can I invest a small amount of money

Before investing money, you should always start by improving your own knowledge on the subject. Study the concepts and terms in the financial markets, find out what analyzes apply to securities (technical or fundamental), find reliable sources of information on the Internet (perhaps books, diaries of private investors) and constantly refer to them.

Known all over the world investor Warren Buffett read over a hundred books on investing before the age of 20.

3. Where to invest a small amount of money - 10 reliable ways

Consider the main ways where you can invest a small amount of money, for example, 500 thousand rubles. Let's start with the method that brings the lowest income.

Method number 10 - Bank deposit

This type of investment is very familiar to everyone. However, he occupies only 10th position, the reason is too low income. Although the interest rate often seems tempting, the reality is quite different. The bank rate very rarely exceeds the inflation rate by 3-5%, sometimes not even reaching these figures. Accordingly, the illusion of income is created.

But despite all of the above, bank deposits have some significant advantages. Two of them stand out in particular:

• All deposits in the territory of the Russian Federation are protected by the state deposit insurance program. Therefore, even in the event of a bank failure, the state will compensate your losses. However, it should be noted that the sum insured does not exceed 1 4 00 000 rubles, this amount already includes interest.
• You save your time, and it is always worth a lot. All that is required of you is to bring money to the bank and make a deposit, the financial institution will do the rest for you.

Method number 9 - Precious banking metals

Small savings can be invested in precious banking metals. Often this includes silver and gold, in rare cases there are others.

There are two ways to invest in precious metals:

• First, open an unallocated metal account (OMS).
• Secondly, purchase bullion of precious metals.

In the first case, the client does not "contact" directly with the metals, while in the second case, the client receives the ingots in his hands, using them as he sees fit. A significant advantage of buying bullion is that you can buy it in any weight, which in turn allows you to invest a small amount of money. Bar size starts from 5 gram.

Method number 8 - Acquisition of securities on exchanges

The yield from this type of investment is much higher when compared with bank deposits. But it is worth noting that at least a little experience is needed to acquire such securities. Therefore, before undertaking such a method of investment, it is worth paying attention to at least minimal training.

And besides, the unstable situation on the stock market can contribute to the depreciation of the shares of even very reliable enterprises.

Method number 7 - Trust management, mutual funds and PAMM accounts.

This investment lies in the fact that the investor entrusts his funds to brokers who combine the deposits of a large number of investors into one impressive portfolio, after which they use the invested funds at their discretion.

Often these investments are used on stock exchanges and Forex. If we compare the purchase of securities and trust management, then we can say that the second method is much more reliable, due to the fact that professionals use your funds.

Method number 6 - Investing in someone else's business project

Given the fact that we are discussing where to invest small amounts, this option is suitable for investing in small business projects.

However, a logical question arises, what will happen if the business project " burn out Or will something not go as planned?

In this case, it all depends on how the documents were drawn up. Basically, a “burnt out” businessman returns the funds spent to the investor over time.

This may take from several months to several years. But it is worth remembering that the risks of losing everything are quite large. The reason lies in the fact that investor and entrepreneur, very often united by friendly or family ties.

Method number 5 - Open your own business

Although we can say that this is the most difficult option where you can invest small funds, but at the same time it is the most interesting investment. In this case, the risk of losing savings is very high, but if successful, the novice businessman will be fully rewarded.

It is worth noting that own business will take a lot of time and effort from a novice investor. Nevertheless, if it was not possible to put your own business on its feet, the acquired experience in running your own business will not be in vain. (We recommend reading -? Business ideas from scratch or without investments)

Method #4 - Create and Own Your Own Website

In a sense, this position is similar to the previous one. Your own website does not require a lot of investments. All you need is:

• invest in building a website
• pay for the initial promotion (website promotion (SEO)),
• open WebMoney wallet,
• register yourself as an individual entrepreneur.

However, it should be borne in mind that although it will not take so much money for all of the above, more than enough time will have to be devoted to this project.

See how to how easy it is to distinguish real ways to make money on the Internet without cheating from fraudulent schemes

Step-by-step plan from Andrey Merkulov

Dozens of ways to make money on the Internet in a variety of areas

Method number 3 - Investing in real estate

During the collapse of the ruble, square meters become much more affordable. However, this investment tool requires a professional approach.

It is also desirable to carry out investment activities with real estate at the very peak of the crisis. Determine the very bottom, only the pros can. Enlist the support of such a person in your environment. In this case, you can ensure yourself the likelihood of the most profitable purchase.

Method number 2 - Engage in short-term lending

If the 8 methods described above do not fit, or you have not yet made a final decision where exactly to invest a small amount of your funds, then you can lend your savings to your friends. But at the same time, it is worth considering that if you lend, even to your friends, at interest, you are violating the law of the Russian Federation.

It is worth noting the credit exchange WebMoney. With this platform, you can issue a loan without breaking any laws.

The main direction on this platform is short term loans. The rates of such loans are quite good, but there is no guarantee of return.

Method number 1 - Investing in the education of children or your self-education

One of the best investments where you can invest a small amount - self-education .

Investment in education always remains the most relevant and in demand. The reason is that neither age, nor profession, nor place of residence will interfere with you. You will always have the opportunity to improve your skills or learn a new profession.

But it is worth remembering that it is best to get the diploma that you can apply in reality. When choosing a new profession, it is also worth considering your attitude towards it, since it is always better to do what the soul lies in.

It is impossible not to mention the investment in the education of their own children, which is also the most profitable and long-term investment.

Doubtful way invest small money: from 1500 rubles

There are many different projects on the Internet that offer to invest money at high interest rates. We recommend that such projects (hype, various “multipliers” of wallets, etc.) be treated with caution and not trust them. Your task is where to invest and earn money, and not lose it. Therefore, make sure the reliability of the project (type of investment) and only then trust your money. We have described one of the examples of an incomprehensible method below.

Here is the text of the method, which assumes a high return on investment. The essence and purpose of almost all of them is the same, they all work on the principle of a financial pyramid.

“Determine for yourself an acceptable level of commission for investment intermediaries. It could be 2% , and maybe 5% in some cases. Add the commission amount to the amount you are going to invest - this will be your initial invested amount.

If you carefully consider the options, you can find companies that place your investments even without commissions.

Pay attention to hidden commissions, carefully read purchase agreements. It is best to choose not only no-commission options, but also those that offer discounts for reinvesting the profits. This discount can be up to 5%.

The main difference between these two instruments is that DRIP requires you to own at least 1 share of the issuing company, so DSP is more likely to be used by new investors.

You also need to constantly look for new funds with a low initial investment threshold. They usually use an automatic plan for investing and withdraw a certain amount from your personal account for deposits automatically. This is a fairly simple and inexpensive way to build your own stock portfolio.”

Watch the video, which tells where not to invest money in 2020

4. Conclusion

Let's summarize the question: "where to invest a small amount of money?". Even if you have 500 $ , you can use all popular investment methods.

But in this case, we recommend that you pay attention to investing in PAIs, mutual funds. stock and currency market. pay attention to index funds that operate in the "broad" market. The return on such investments will be about 10% per annum. By choosing a certain fund, you will be able to invest in the future without additional fees.

Don't try on short term price changes. This is the path to the loss of invested funds.

Only an experienced investor can afford to invest heavily in the securities of a particular company, while having a lot of other shares and investment deposits to diversify possible risks.