Where to invest money: advice from millionaires. How to start investing money: Instructions and examples Is it profitable to invest in investments

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

Free money can be invested in these projects:

Sources of investment

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

Consider 3 reliable options:

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 It is important to determine how much can be withdrawn without consequences.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

TOP 17 ways to invest free money

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

1. Bank deposit

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

2. Securities

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

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

3. Real estate

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

4. Binary options

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

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

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

5. Microfinance organizations

7. Business

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

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

8. Precious metals

13. Own website

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

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

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

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

14. Social networks

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

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

15. Education

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

16. Structural Products

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

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

Based on it, we can conclude that structured products have the highest profitability with relatively small investments.

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

17. PAMM accounts

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

Conclusion

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

Last update:  02/18/2020

Reading time: 22 min. | Views: 15602

Good afternoon, dear readers of the financial magazine "site"! Today we will talk about investing. We will tell you what it is and what types of investments exist, where it is better to start and where you can invest money.

From the article you will learn:

• What is investment and what is its benefit;
• What types of investments are the most common;
• What are the advantages and disadvantages of private investment;
• What steps to take to start investing;
• What are the different ways to invest in personal finance?

The article will be useful to everyone who is interested in investments. Both beginners in the field of investing and those who already have experience will find useful information for themselves.

What is investing and what types of investments are there, where to start and how to make investments correctly, where it is better to invest your money - you will learn about this and more by reading the article to the end

1. What is investment in simple words and what is it for 📈

Not everyone understands that absolutely everyone is engaged in investing in the modern world. In fact, even education is special type of investment, as this is an investment in the future, because it is a quality education that will help you find a good job with a decent salary.

For example The same principle applies in sports. Regularly exercising, a person makes a contribution to beauty and health. If he is a professional athlete, every workout is an investment in future victories.

Thus, investing reflects the most important rule of human life. It says: it is impossible to get something in the future if nothing is done for it in the present.

From this we can deduce the main meaning of investment: they are mental, monetary, material investments, which in the long term will lead to income in a short or long term.

Unfortunately, in Russia, as well as in the countries of the former USSR, the level of financial literacy is at a rather low level. The result is a lack of correct knowledge about the prospects for financial investments.

Most residents of this region believe that only credit institutions, government agencies, and large companies can engage in investment activities.

There is also an opinion that only very rich people can earn on investing funds among private individuals. In fact, absolutely anyone can start investing. To do this, it is enough to have a desire, as well as theoretical and practical training.

First of all, it is worth studying investment concept . This word comes from the Latin in vestio , which means in translation dress . It is not entirely clear how these two words are related.

Investment in the economic sense has several definitions. We will give the easiest to understand.

Investment - this is an investment in various tangible, as well as intangible assets for the sake of their increase.

Investments are being made in various sectors of the economy, as well as in the social and intellectual life of people.

The objects of investment, that is, the property in which money is invested, can be:

• money from different countries;
• various types of securities;
• real estate objects;
• equipment;
• objects of intellectual property.

In the case of investment, investments are made once. After that, in the future, you can count on a constant profit.

Investments help overcome the basic economic rule. It says that the one who keeps money at home, their amount is constantly decreasing.

The fact is that the purchasing power of available money is constantly and inevitably declining. This leads to inflation, various economic crises, and devaluation.

From this comes the most important purpose of any investment , which consists not only in the preservation, but also in the constant increase of capital.

2. What is the benefit of investing? 📑

Spending a minimum of time and effort to generate income is quite realistic. A similar option to earn money is called. It is to this way of earning that all adequate people strive. Especially it concerns businessmen, and moneymakers, that is, people who earn income using the Internet.

One of the ways to make passive income is investing in any profitable areas . In other words, successful investments allow you to count on the fact that in the end you can achieve the main goal of any sane person, which is the minimum time spent on earning money.

It turns out that a person will have the opportunity to do what is convenient for him. Ultimately, a successful investment of funds will lead to the fact that there will be no need to go to work every day and spend most of your time providing a decent existence for yourself and your family.

Instead of the person his capital will work , the investor will only receive regular and stable profits.

Many of these statements are very skeptically. This is quite understandable, given that politics and the economy in our country are very unstable. But it makes sense to stop doubting, it is best to soberly assess the opportunities that open up.

Important to remember that people who are unsure of their own abilities will never be able to get rid of lack of money, as well as from the heavy yoke of an employee.

Many people wonder why someone succeeds, while others cannot get out of the debt hole. The point is not at all in the available talents, high performance, excellent. In fact, it all lies in the fact that some people know how to effectively manage their funds, while others do not.

Even those who have the same initial assets can end up with completely different income. This is largely due to the fundamental difference in attitudes towards material and personal resources.

Thus, success can only be achieved if the available assets are properly directed, in other words, invested.

Keep in mind that what has been said refers not only to money and property, but also to mental abilities, energy, and also time.

Competent and profitable investments bring the following benefits to life:

• profit that does not depend on time costs;
• financial independence;
• free time for family activities, hobbies, travel and other things;
• a stable future in which you can be sure.

By investing wisely, you can forget about the need to spend a significant amount of time to provide for your needs. You should not expect that absolutely nothing will have to be done, it will be necessary study , analyze , and to risk .

However, sooner or later such efforts will positive result. As it can be stable profit . At first, most likely, it will be only an additional income, but gradually it can become main .

In addition, invaluable experience will be acquired during the investment process. It will definitely come in handy in the future, even if it is not possible to earn significant money. By the way, in one of the articles we wrote without attachments.

Classification of forms and types of investments

3. Main types of investments and their classification 📊

Investments are heterogeneous. One can distinguish a huge number of their types. Moreover, each of them has unique characteristics.

The variety of criteria according to which investments can be described leads to the existence of a large number of classifications. We will talk about five basic.

Type 1. Depending on the object of investment

One of the most important characteristics of investments is the object in which the funds are invested.

The following classification is based on this feature:

• Speculative investment imply the acquisition of an asset (securities, foreign currency, precious metals) for their subsequent sale after an increase in value.
• financial investments– investing in various financial instruments. Most often, securities and mutual funds are used for this purpose.
• Venture investments– investments in promising, actively developing, often newly created companies. In this case, they are expected to start generating huge profits in the future. Read more in a separate article of our magazine.
• Real investment involves the investment of funds in various forms of real capital. This may be the acquisition of a land plot, investment in construction, the purchase of a ready-made business, copyright, license.

Type 2. By investment period

For investors, it is of great importance for what period of time their funds will be limited in their use. In other words, the term is important, that is, the time for which the money will be invested.

Depending on this feature, the following types of investments are distinguished:

• short-term, the investment period for which does not exceed one year;
• medium-term– investments for 1-5 years;
• long-term– the money will be invested for more than 5 years.

In a separate group can also be distinguished annuity investments which can be made for any period of time. At the same time, profits from them come periodically.

A striking example is bank deposits with monthly transfer of interest to a separate account.

Type 3. Depending on the form of ownership

If we consider as a criterion for classifying an entity that invests funds, we can distinguish:

• private investment- investments are made by an individual;
• foreign– funds are invested by foreign citizens and companies;
• public investment- various state bodies act as the subject.

There are situations when not all invested money belongs to one entity. In this case, one speaks of combined or mixed investments.

For example, part of the invested money belongs to the state, the rest - to a private investor.

Type 4. By risk level

One of the most important indicators of any investment is the level of risk. Traditionally, it is directly dependent on profitability. In other words, The higher the risk, the more profit the investment instrument will bring.

Depending on the level of risk, all investments are divided into three groups(arranged in ascending order of riskiness):

• conservative;
• investment with moderate risk;
• aggressive investment.

Although there are investors who, in pursuit of high returns, agree that their investments are subject to high risk, the majority still avoid high-risk investments. This applies to how newcomers, and experienced investors.

The solution to the problem could be diversification , which, although it does not help to completely eliminate the risk, but can significantly reduce it. Diversification refers to the distribution of capital among several types of investments.

Type 5. By investment purpose

Depending on the intended purpose, the following types of investment are traditionally distinguished:

• direct investments imply capital investment in the field of material production, sale of goods and services, the investor usually receives a part of the authorized capital of the company, which is at least 10%;
• portfolio involves investing in various securities (usually stocks and bonds), active investment management is not expected;
• intellectual involve the investment by the company's management of funds in the training of employees, conducting various courses and trainings;
• non-financial investments– money is invested in various projects (equipment, machines), as well as rights and licenses.

Thus, there are several classifications of investments depending on various criteria.

Due to the variety of types, each investor can choose the type of investment that is ideal for him.

4. Advantages and disadvantages of private investment 💡

Like any other economic process, private investment has its own pros And minuses. It is important to carefully study them before starting any investment. This will help further improve the efficiency of the process.

Pros ( + ) private investment

The following are the benefits of private investment:

1. Investing is one of the types of passive income. This is the most important investment benefit. For the sake of passive income most people start investing. To receive equivalent amounts of money, the investor spends much less time and effort than someone who actively works as an employee.
2. The process of investing is very interesting and also helps to learn new things. The cognition of investment activity lies in increasing financial literacy, gaining experience with various investment instruments. At the same time, traditional wage labor is monotonous, which in many ways is why it becomes hated. In this regard, investments benefit significantly.
3. Investing allows you to diversify your income. Traditionally, each person receives income from one source - wages from an employer or retirement. Less commonly, one or two more sources are added to them, for example, apartment rental income. At the same time, investing allows you to distribute capital among an unlimited number of assets, which will make it possible to receive income from various sources. Thanks to this approach, you can significantly increase the security of your personal or family budget. It turns out that in case of loss of income from one source, funds will continue to come from others.
4. Investing provides an opportunity to realize yourself, as well as achieve your goals. Practice proves that it is investors who are most likely to achieve their goals and become successful. This is due to the fact that investing allows you to achieve material well-being and free up a lot of time. This time can be spent on family, hobbies, self-realization. It is investors who most often occupy the top of the ratings of the richest people.
5. Theoretically, the income received in the process of investing is unlimited. Indeed, the amount of active income is always limited by how much time and effort was spent. At the same time, there are no such restrictions with passive income. Moreover, if in the process of investing profit is not withdrawn, but reinvested, the return on investment will increase according to the compound interest formula.

Minuses ( − ) private investment

Despite a significant number of advantages, investments also have disadvantages.

Among them are the following:

1. The main disadvantage of investing is risk. Regardless of which investment instrument is used, there is a possibility of total or partial loss of invested capital. Of course, if you invest in reliable assets, the risk will be minimal, but still it preserved .
2. Investing comes with stress. This is especially true for beginners. Often the value of the instrument in which the funds were invested does not move in the direction the investor would like. Naturally, this leads to the formation of a loss, even if it is temporary. In these situations, investors are exposed to serious psychological stress.
3. Successful investing requires a large amount of knowledge. Required constantly learn And improve oneself. On the one hand, the acquisition of additional knowledge is a useful process and no one will be superfluous. On the other hand, this will require a lot of time. Besides, it is important to have desire and self-discipline which not everyone has. At the same time, in the absence of the necessary knowledge, private investment becomes like wandering in the dark.
4. The investment process most often does not guarantee a constant profit. There are very few tools that give a guarantee of income. Much more often, investors have to focus on forecast values, which, in the event of a change in the market situation, cannot always be achieved. Moreover, sometimes private investment leads to education loss. In comparison with investments, various options for active earnings provide more guarantees of obtaining a constant amount of income.
5. To start investing, you need cash capital. At the same time, if it is planned to live with dignity and support a family from the profits received, the amount of investment will be required significant. The creation of such capital can take a significant amount of time and effort.

Thus, comparing advantages And flaws investment, it can be concluded that the pros still outweigh the cons .

Of course, everyone should decide whether it is worth investing capital for himself. However, we believe that it is better to invest.

For starters, you can use small amounts and instruments with minimal risk.

How to invest money in 5 steps - instructions for beginners (dummies)

5. How to invest money - a step by step guide to investing for beginners 📝

Many novice investors are wondering how to effectively start investing. That is why later in the article we present step by step instructions. It will help anyone who wants to take the first steps in investing and thereby achieve their financial goals.

Of course, the initial situation for each investor is individual. However, there are general rules to follow that are useful for all cases and for every investor.

To start investing, you need to overcome eight successive steps. To achieve success, you should not skip any of them.

Step 1. Assessing Your Financial Situation and Getting Your Personal Finances in Order

First of all, you should describe your income . At the same time, the source of income should be determined, how regular and stable they are. In addition, their size should be fixed.

Further evaluated expenses , they should be fixed by articles. At the same time, the category of expenses must be marked, that is, whether they are one-time, regular or irregular.

The next step in the financial plan– description of available assets . It can be automobile, apartment, bank deposits, land And summer cottages, securities, shares in authorized capital And so on. It is important to indicate the value of each of the assets, as well as the amount of profit from it.

After that, it is calculated return on each asset, which is equal to the ratio of their profit to the cost. Most likely, all or most of the assets will be unprofitable or incur additional costs. At this stage, this situation is quite normal.

Once the assets are described, it is also important to make a list liabilities . It can be any obligation - loans, including mortgage, as well as other debts, For example, taxes And insurance premiums.

At this stage, it is important to assess the amount of expenses that are paid under the relevant obligations. annually. It is also worth evaluating as a percentage the ratio of the amount of expense to the total amount of obligations.

Now the budget should be estimated by calculating two coefficients:

1. Investment resource- the difference between income and expenses;
2. net worth is the difference between assets and liabilities.

Ideally, the value of the first indicator should be at least 10 -20 percent of income. If the size of the investment resource did not reach this value, or turned out to be less than zero, before you start investing, you will have to resort to measures of financial recovery of the budget.

During the preparation and analysis of the financial plan, one should be as honest as possible, one should not try to embellish the current situation. It is important in the budget to describe everything exactly as it really is.

It is important to understand that the budget drawn up in this step is basis future financial plan, without which it will not be possible to draw up a quality plan.

Thus, the result of the first step should be the understanding that Where does your budget come from and how is it spent? .

In addition, you can understand how much money remains after making the main payments, as well as how long it will be possible to survive if the income from the main source of income stops.

Step 2. Creating a financial reserve

For use in case of unforeseen situations, you should create financial reserve . It should be understood that it is important not only in practical plan, but also psychological. Such a reserve gives a very strong sense of confidence as well as stability.

The realization that a person has a small reserve of money in case of unforeseen life circumstances makes life psychologically much more comfortable.

As a result, a financial reserve is an affordable, but at the same time a very effective way to make life more comfortable, as well as significantly reduce stress levels.

In practical terms, the financial reserve provides two functions:

1. Payment of regular expenses in the event that for some reason the main source of income ceases to replenish the budget;
2. Funding for small unexpected expenses– repair of household appliances, medical services and other.

The ideal size of the financial reserve should ensure the payment of fixed costs over a period equal to three months before half a year .

The created reserve should be kept in the currency in which the main expenses are paid. It is best to invest money to the bank.

You should choose a credit institution that meets the following criteria:

• participation in ;
• the credit institution is not lower than the fiftieth place in terms of assets or is a branch of a large international company;
• convenient location, as well as the work schedule will allow you to use the services of the bank without spending a whole day on it.

For accumulation, you should not choose card accounts, since in this case there is a great temptation to spend funds not as planned. Best to open current or savings account. However, in this case, the interest on the account balance is too low.

The ideal option would be deposit . But you should pay attention that it meets the following criteria:

• the minimum replenishment amount should be comfortable for monthly savings;
• if necessary, you can withdraw part of the funds without losing interest;
• Ideally, interest should accrue and be capitalized on a monthly basis.

It turns out that when choosing a bank, the interest rate should not be a determining condition. But you should pay attention that it is neither the lowest nor the highest among those existing on the market.

As soon as the bank and the deposit are selected, you need to replenish the account up to the amount of the calculated financial reserve.

Step 3. Development of goals, as well as investment objectives

At this stage, you should decide what the future investor wants to do in life, what to get, what property to acquire. At the same time, for each goal, it is necessary to determine how much money is required to achieve it, in what currency. In addition, it is important to determine by what point the goal should be achieved.

Once goals are defined, they should be rank , that is, numbered in descending order of importance and priority. Thus, it will become clear where the funds should be directed. Firstly.

Step 4. Determination of acceptable risk

The future investor at this stage determines, how much financial risk he is willing to take in order to achieve the set goals. Also at this point, it is determined which situations in investing will be unacceptable.

In other words, some investors are quite calm about a temporary drawdown of capital even by 40%. Others, on the contrary, feel absolutely uncomfortable even if a loss occurs within 10 %.

Step 5 Development of an investment strategy

At this point, it is important to determine for yourself the following points:

• the size of the invested amount;
• frequency of investment - once or regularly;
• the occurrence of what type of risks is unacceptable, and must be hedged in advance;
• what part of personal time the investor is ready to spend on managing investments;
• forbidden financial instruments are defined – someone fundamentally does not invest in the alcohol and tobacco industries, someone prefers to finance foreign companies and the like;
• decides in what types and types of assets the funds will be invested;
• what taxes may arise, how they can be minimized.

Once the conditions outlined above are defined, it should be clearly spelled out how investment decisions will be made. That is, it is necessary to decide which points to take into account and which to ignore. In addition, it is important to determine what actions should be followed when certain events occur.

It is equally important to determine how often and under the influence of what to analyze the current investment strategy, as well as under what circumstances it should be reviewed and changed.

Step 6. Stress testing the developed strategy

At this stage, the strategy developed at the previous step is tested according to the principle "what if?" . To do this, you should ask yourself the maximum number of questions and answer them as truthfully as possible.

Questions should start like this: What will happen with my investment goals. The second part of the question If) depends on the circumstances of the investor's life and is individual for each.

Examples of question endings are:

• if I lose my job;
• if I become seriously ill;
• if the car breaks down.

The result of such testing should be the development of a protective investment strategy. Its main task is to determine the opportunities that will allow not to abandon the implementation of the investment strategy even under unfavorable circumstances.

Many difficulties can not only be identified in advance, but also insured in case of their occurrence.

Step 7. Choosing an attachment method

At this point, you need to determine:

• through which company the investment will be made;
• how the funds will be deposited;
• how to withdraw earned profit;
• in whose favor and in what amount it will be necessary to make payments (commissions and taxes).

Step 8. Formation of an investment portfolio

Only after all the previous stages of preparation for investment have been overcome, you can begin to form investment portfolio . In other words, only at this moment you can go directly to investing money.

At this step, you will need to do the following:

1. choose certain instruments that will correspond to the developed investment strategy;
2. invest in selected assets.

Many will say that the instructions given are too complicated, it is not necessary to overcome such a large number of steps. In fact, only the consistent implementation of all eight stages can lead the investor to the following result:

1. Manage your personal financial situation
2. A financial reserve will be formed that will allow you to stay afloat for six months;
3. There will be a sense of confidence in the future, as well as insurance against surprises and minor troubles;
4. A specific action plan will be developed that will allow increasing own funds;
5. A well-structured financial portfolio will appear.

Those who manage to overcome these difficult, at first glance, steps can confidently expect positive return on investment.

Proven ways to invest money better to make it work

6. Where to invest money - TOP 9 best ways to invest personal finances 💰

There are a huge number of investment instruments. When choosing the ideal direction for yourself, you should proceed not only from your own preferences regarding the level risk And profitability . It is also important to coordinate the way of investing with the economic situation in the country.

We bring to your attention the most popular and reliable options for investing money.

Method 1. Bank deposits

- one of the most affordable, and therefore the most popular investment options. Theoretically, they can bring order 10 % per annum. However, today the interest in most credit institutions is reduced, therefore, when choosing a bank for investment, you need to careful analysis.

Bank deposits are conservative investment option. In addition to being the most intuitive way, it is also the least risky.

Among the advantages of deposits are the following:

• state insurance;
• the term of investments, as well as the profit received, are known even before the moment of investment;
• availability;
• low level of risk, i.e. reliability.

Consider the most reliable banks, the rates in which are the highest.

Method 2. Investing in precious metals

Investments in precious metals already at the time of the birth of commodity-money relations could bring income to their owners. Traditionally used as precious metals gold, silver, platinum, and palladium.

There are several circumstances due to which the price of precious metals has remained at a fairly high level for many years:

• no effect of corrosion;
• limited amount of metals in the world.

In the long run, the value of precious metals steadily increases. At the same time, various economic crises, as well as other changes in the economy, have practically no effect on the price of precious metals.

According to statistics, only in the last decade in Russia, the price of gold (in rubles) has increased by almost 6 times. At the same time, experts believe that there are no factors that can reverse this trend in the coming years.

There are several ways to invest in precious metals:

• buying a gold bar;
• purchase of gold coins;
• opening metal bank accounts;
• acquisition of shares in gold mining companies.

The safest option is physical acquisition of metal . But it is worth considering that this is an investment on long term. It is unlikely that it will be possible to get tangible profits from such investments in the next five years.

For those who need a quick income, it is best to open metal bills . At the same time, gold or other precious metals are not physically bought. An account is opened in the bank, to which funds are credited in terms of grams of metal.

Profit can be obtained quite quickly - the amount on the deposit is regularly recalculated at the new value of the metal.

Opening of metal accounts is the safest way to invest in precious metals. This is especially true of banks in which deposits are insured.

Method 3. Mutual funds

Mutual funds or mutual funds- this is a way of investing, which in essence is the transfer of funds to trust management.

The fund invests the united funds of shareholders in various financial instruments. The resulting profit is distributed among the participants of the fund. But the founders of the mutual fund do not remain at a loss - they also receive their percentage.

Features of the interaction of shareholders with the manager of funds are reflected in the contract terms. Without fail, the shareholder should carefully study such an agreement before how to invest in a fund.

The operation of a mutual fund is very simple. Shareholders buy parts of the fund called shares . The invested funds are at the disposal of the manager, who are involved in their investment.

Managers are interested in getting as much profit as possible, since they themselves receive income in the form of commissions, which are calculated as a percentage of profit.

Pai can be quite simple buy And sell. Therefore, such investments are highly liquid.

Among the advantages of mutual funds are:

• funds are managed by professionals;
• Mutual funds are available to everyone;
• income is not taxed;
• funds are controlled by the state.

At the end of a certain period, the profitability of the fund is calculated. The resulting income is distributed among the shareholders in proportion to the share of each of them in the fund.

Often the yield of a mutual fund approaches to 50 percent. This is almost five times more profitable than bank deposits. The average return on the fund is about 30 %.

Method 4. Investments in securities

One of the most popular ways to invest investments in securities. But do not forget that working with this tool requires serious knowledge in the field of finance and economics.

For those who hope for long-term profits, investing in the first stocks that come across is far from the best option.

In order for investing in securities to bring real profit, you need to have serious knowledge in the field of economics or have experience. If there is no such knowledge and skills, you can transfer the capital to trust management of an experienced broker.

When investing in securities, it is impossible to guarantee a profit. However, if the investment is successful, you can get a tangible income. He can reach 100 %.

Moreover, the profit from investing in securities is practically unlimited. Some successful investors managed to get an order 1000 % in just a few years.

📣 Please note that access to the financial market occurs through a broker. One of the best is this brokerage company.

Method 5. Investing in real estate

Real estate is also a very popular investment option. This is explained simply - the demand for apartments, houses and even non-residential premises will Always. People need real estate for living as well as doing business. In addition, such a tool will never completely depreciate.

When deciding to invest in real estate, it should be remembered that its value, as well as liquidity, are determined by a large number of factors. These include, For example, the economic situation in the state, and the regional situation.

There are two ways to earn income from real estate investments:

1. Rental;
2. Subsequent resale.

Rent It is one of the types of passive income. The owner of the premises receives money, practically without spending time and effort. In this case, property rights are sufficient to generate income.

Sale a property can generate income if its value increases. However, today there are difficulties with the profitable sale of real estate. In most Russian regions, the demand for this asset today is much less than the supply.

However, in some cases, investors manage to earn a good profit on the sale of real estate.

See the video below for more information on how to invest in real estate:

There are several ways to increase income:

• acquisition of an object at the time of falling prices on the market and sale only after their growth;
• buy real estate at the stage of laying the foundation or at the initial stages of construction, and sale after completion;
• the acquisition of apartments in a deplorable state, their high-quality repair, sale with a premium to the cost, which, among other things, pays for the cost of repairs.

To date, the market situation has developed in such a way that experts recommend abstain from investing in real estate. They believe that it is wiser to wait for a significant economic downturn.

We have already discussed in detail about, as well as the pros and cons of this method of investing money in our article.

Method 6. Investment in business

Theoretically, investing in a business is one of the most highly profitable options. In fact, the opening of a successful company can provide a prosperous future not only for the entrepreneur himself, but also for his descendants.

In practice, the success of a business is determined by a large number of circumstances. Among them are:

• whether the niche in the market is chosen correctly;
• entrepreneurial professionalism;
• How original is the idea?
• literacy of the actions taken.

According to statistics, most firms go bankrupt at an early stage. Therefore, it is much better to open your own business by buying a franchise. About that, we have already talked about in the previous article.

You can also invest in a ready-made company. In a separate article, we wrote about, and also brought startups in Russia where you can invest your money.

Method 7. Investments in startups

are unique innovative projects in the social or commercial sphere. In the future, they have a fairly high level of profitability.

In other words, if you choose the right project for investing funds, you can get a good profit.

But it should be noted that only about 20 % such projects bring investors real profit. The rest are unprofitable or require additional funding.

Today, investing in various startups is not so difficult. There are a huge number of platforms on the Internet where startup owners present their projects, attracting investors.

At the first stage, you can make a minimum investment, which amounts to several thousand rubles. This will allow you to study the mechanism of investment.

Startup Benefits are the ability to invest in a huge number of business areas. Geography is also almost limitless - you can invest in metropolitan, European projects, as well as those located in the region where the investor is present, and even located only on the internet.

Method 8. Investing in Internet projects

The Internet today is one of the most popular and very actively developing business areas. The professionals working here are called moneymakers .

A huge number of online businessmen are already making money online. And every day there are more and more of them. you can find on our website.

Investors who dream of becoming online businessmen should hurry up. One should occupy a niche for activity before others take it.

To earn money on the Internet, you can use:

• the shops;
• groups in social networks;
• informational resources;
• blogs;
• entertainment sites.

This is not necessary though. You can also buy a ready-made project created by someone. It is important that the resource be as visited as possible. In this case, it will be possible to profit from advertising, affiliate programs, as well as direct sales.

If you decide to create your own project, you should take into account that a non-standard approach is valued on the Internet. Make your website as unique as possible. This will attract maximum visitors to it.

Method 9. Forex

In simple words, Forex is a world market where various currencies are exchanged at freely formed prices.

In principle, anyone who devotes time to this, spends energy and invests money can earn income in the foreign exchange market. It is also important to choose a reliable broker company. Many successful traders work through this broker.

You can either trade on your own or transfer funds for management through PAMM accounts. Details about that are described in one of the previous issues.

To make it easier to compare the above investment methods, we have summarized them in a table:

🔔 There is also an article on our website that tells in detail about it - we recommend it for reading.

Poll: Where is the best place to invest?

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

Where can you invest money today?

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

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

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

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

How to choose a win-win option when investing money

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

What Experienced Investors Look For

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

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

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

Investment diversification

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

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

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

Calculation and control of risks

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

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

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

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

Interest-bearing bank deposits

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

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

Real estate: letting, rent

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

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

Investing in small and large businesses

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

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

stock markets

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

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

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

Forex

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

The investor chooses an investment scheme based on:

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

Online games, casino, poker

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

They use several schemes to defraud money:

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

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

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

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

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

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

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

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

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

Investment in precious metals

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

Investing in cryptocurrencies

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

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

Cumulative life insurance

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

Mutual funds

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

Put money on deposit

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

Private lending

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

Investments via the Internet

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

An equally risky, but more interesting option is to invest in a startup. Developers of interesting projects usually do not have the funds to implement them. So they draw up a business plan and approach investors. The profitability of the project can reach hundreds of thousands of dollars, but the level of risks associated with such projects is high. According to statistics, 70% of such projects leave the market. Therefore, experienced investors finance several projects at once.

How much can I start investing

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

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

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

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

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

Investing money with an investor

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

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

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

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

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

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

How to save money from inflation

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

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

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

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

Where not to invest

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

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

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

Buying real estate on credit in anticipation of a crisis is risky, if only because banks can raise interest rates on mortgages. The overpayment on the commission completely eliminates the difference in price. Such an investment brings only a loss. Investing in a car is not profitable under any circumstances. A vehicle that leaves the gates of the auto center immediately loses 30% of its value.

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

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

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

Basic principles of investment

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

Principle 1. Create a financial cushion.

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

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

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

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

Principle 2: Diversify your investment.

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

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

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

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

Principle 3: Control risks.

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

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

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

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

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

Principle 4: Attract co-investors.

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

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

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

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

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

Principle 5. Create passive income.

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

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

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

How much can you start investing?

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

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

The fact that it is necessary to save money is said by all famous people who teach the correct handling of finances and show by example where it is better to invest. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.

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

Where to invest money to make it work?

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

Banks

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

The advantages of this method include:

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

Disadvantages of a bank deposit:

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

Real estate

You can invest in residential or commercial real estate. Of course, in the second case, you can earn more. However, the purchase of commercial real estate requires a great deal of knowledge.

Pros:

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

Minuses:

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

Mutual funds

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

Mutual Funds Advantages:

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

Disadvantages of mutual funds:

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

Trading accounts (Forex market)

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

Pros:

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

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

Binary Options

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

Pros:

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

Minuses:

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

Issuance of microloans through the stock exchange

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

Pros:

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

Minuses:

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

Business

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

Pros:

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

Minuses:

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

Securities

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

Benefits of securities:

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

Minuses:

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

precious metals

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

Pros:

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

Minuses:

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

Art

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

The advantages of this method:

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

Minuses:

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

Venture funds

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

Advantages:

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

Flaws:

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

HYIPs

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

Pros:

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

Minuses:

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

Cryptocurrencies

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

Pros of investing in cryptocurrency:

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

Minuses:

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

Sites under CPA

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

Advantages:

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

Flaws:

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

MFA sites

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

Pros:

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

Minuses:

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

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

Pros:

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

Minuses:

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

Phone applications

The easiest way to make money is on simple phone applications that can help in some way in life. They can also combine useful information on a particular topic. In addition, these may be free applications in which you can buy something while using it.

The advantages of this method:

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

Flaws:

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

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

This method has the following advantages:

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

Flaws:

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

Investing in your development

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

Advantages:

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

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

Where not to invest?

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

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

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

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

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

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

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

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

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

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

Assistance in creating an investment portfolio

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

Good day dear readers and guests of the blog. How do you start investing and make your money work for you? Read the article to find out! Or keep going to work and trading your time for money.

Now that I've got your attention, let's get started.

Let's start from the very beginning, let's define the concept of investing.

Investment- this is an investment of some resource in order to obtain a return on invested capital.

Investing is a broader concept than many realize. And for each person it means different meanings.

In this article, we will discuss how to start investing money.

After all money is a measure of sufficiency in the modern world. Almost all people's dreams are related to money, you want to travel, buy a car, open your own business - all this requires money, you can't go anywhere without it.

And where to get this money? Earn! But you can't work 24 hours to make money, and your money can work for you 24 hours. You have days off, but your money doesn't. You can get sick, but money can't! They are constantly working for you, they are a better worker than you.

Therefore, anyone who wants to achieve more in life needs to learn the basic laws of money, learn the basics of the financial world and start investing and the first step is to start saving money.

Start filling your wallet

Well, now you understand that you need to invest and you have made the decision to start investing money. What's next? How to start investing for a beginner?

You need to optimize your income and expenses and start filling your wallet. And how to do it? Start budgeting and understand whether you earn more than you spend or not. If you spend less, then you have a greater chance of success. Start filling your wallet by saving at least 10% of each income received (salary, bonus, donated money, etc.) to create your capital and start investing.

Putting aside 10% a month is not a problem, believe me. But you have to do it regularly! The main thing is not to stop and develop the habit of doing it constantly. The salary came - they postponed it, the bonus came - they postponed it, they received a cash gift - they postponed it again.

With the help of such a not tricky action, you will begin to have money to invest. Where to postpone? It's up to you, but it's recommended to go somewhere you can't get to. For example, on a bank deposit.

And if you realize that you are spending more, and also the loan is hanging. What then? Don't invest? No, we are going to get our finances in order.

Get your finances in order

To begin with, let's figure out what we spend money on, for this we need to write down all our expenses and in a couple of weeks analyze what the money is spent on.

After we analyze, we will decide what we can get rid of. In almost 90-99% of cases, we have expenses that we can refuse to replenish our wallet.

We refuse them and go back a step and replenish our wallet.

If you have a loan, then before filling your wallet it is recommended to get rid of it. Try to pay not only the interest that goes on the loan, but also deposit more money in order to finish it off faster.

Now we look at the problem from the other side. You do not have loans, you do not have expenses that you can cut, what to do in this case?

Option one is to start increasing your income. How to do it? I have described this most fully in my free book.

Increase your income and start saving money.

Learning to invest

Do you have money and are you ready to start investing, looking for tools and investing? No, these are not correct thoughts. It was the same thoughts that visited me at one time and, without understanding the intricacies, I began to headlong invest money in various instruments.

You need to learn how to invest, understand the basic concepts, against some investment school.

You must understand all the intricacies of investment science. Because investing is not just about investing money, it is about managing all aspects of your financial life. This is your thinking and your actions, and your actions.

Therefore, the first thing you do is invest some of the accumulated money in your education.

I have been trained by several people who teach different ways and methods of investing. Some teach investing in risky financial instruments, others in less risky ones. Someone provides the basis for everything, helping to keep the family budget and tell why and where to invest.

I was trained by Kirill Kirillov and Dmitry Oberderfer, it was a live training.

Choosing an investment instrument

Well, if you are ready to learn on your own, study everything and take all the risks from ignorance, then you can read to study various financial instruments on my blog.

For beginners, I advise you to invest in PAMM accounts. What is it possible.

But in general, there are a lot of financial instruments, and they are designed for people with different incomes, different financial education and ready to take on different financial risks.

1. Bank deposits
2. Stock market (independent trading)
3. Forex market (self-trading)
4. Trust management in financial markets
5. PAMM accounts (forex money management)
6. Mutual funds (managing your money in the stock market)
7. Real estate investment
8. Direct investment in enterprises
9. Microcredit
10. HYIPs and other financial pyramids (some do not recommend contacting them)

There are others, but let's focus on these.

As you can see, there are a lot of financial investment instruments, but first I recommend that you familiarize yourself with one of the list, study it and start practicing investing.

Practicing

Well, here we come to the most important thing, when you have in your head a complete picture of what a beginner needs to invest, you are ready to start practicing.

Nothing will come of it without practice. You must feel all the nuances, you must learn not only to earn, but also to lose money. You just have to be ready for it.

Investing is a risk! And this must be taken for granted. But risks can be managed, and the job of a good investor is to understand how to manage risk. And this requires constant practice, as in any business.

Investing is not an occasional investment of money, it is a constant and work. And you should treat it like a job. Then you will get more.

Take me as an example, when I was actively involved in investing, I got good results, then I played too much and broke the basic rules of the investor and lost most of my investment portfolio, and took a break for more than a year. But I didn’t just leave, I started investing almost all the money in my education and the development of my blog.

At the moment I am studying financial instruments in which you can invest money, I am studying various financial concepts. Learn how to properly manage your money. And I believe that investing money and time for further profit is the path to financial independence and financial freedom.

And especially for this article, I recorded a short video, watch, comment and ask questions.