Although most people would like their funds to generate income, they just don't large percentage decides to invest them, fearing any difficulties and restrictions.

Anyone can become an investor and receive money, even if they have an amount of 500-1000 rubles, since there are assets where you can invest a little money.

To help novice investors, below will be presented options on where to invest a little money to make it work, the specifics and pitfalls of various income-generating assets, as well as a number of recommendations on the topic.

Here you will find real options for investing small amounts that are suitable for people with almost any income.

What does a small amount mean?

According to Rosstat, average wage in Russia is just over 45 thousand rubles. Of course, it varies significantly depending on the region and in fact fluctuates on average from 20 to 50 thousand. Almost every person can save 10% of their income, thus having 2-5 thousand rubles per month.

But it is important that the amount that you set aside to earn money in the market does not harm your financial situation. Roughly speaking, you don’t need to save on food and eat shortcakes in order to buy a couple and wait for dividends to be paid on them.

In modern conditions, even a thousand rubles can serve as an excellent start for earning money and increasing capital.

Money makes money.

This is the favorite phrase of all investors and traders.

In terms of earnings, this amount is not large, but it may seem so only at first glance. In fact, by investing only 3,000 rubles monthly and receiving from them an average of 1.5% per month or 18% per year, after 10 years the investor will have a million rubles in his account, and after 20 years - already 7 million.

The secret to increasing profitability in this case is the effectiveness of the use of which grows along with the investment period.

Of course, in some cases it makes sense to invest a little more in order to earn a more tangible profit: for example, 15-20 thousand rubles set aside over several months. Let's look at specific options for where you can invest a small amount of money and what potential such investments may have.

Now let's give one real example. Let's take the amount of investment in 2000 rubles, which all citizens of the country with average earnings can afford to allocate. We open a brokerage account with an average return of 25%, which, according to statistics, is inherent in earnings on the stock market. Let's take 2% yield per month.

Let’s imagine that for 20 years we will replenish this account by 2000 rubles. And after this period, the account will already have 11,800,000 rubles! It’s hard to even imagine such an amount. But it's real! And it all started with this small amount of 2000 rubles.

20 years may show a lot for someone, but even if you are 40 years old, then you probably already understand that at 60 you will not refuse that kind of money and it will be very useful to you.

Where to invest small amounts of money

There are many options for increasing your money. And everyone can choose the one that suits them based on the amounts, risks and potential income. Below we will analyze the most proven and popular of them.

There are specialized services that allow startups to find funds to implement their projects, and investors to invest their money profitably by helping other people’s ideas develop. Such sites are called .

On them, the investor can evaluate the proposed investment options, expected terms and profitability, and then choose the most suitable one for himself. You can mention Napartner, Planeta, Startupnetwork and others.

The Napartner platform features many projects at different stages: idea, prototype, startup and expansion. The startup organizer indicates the essence of his business, the required amount of investment, the percentage of profit that the project investor will receive in the future, as well as the estimated payback period.

Amounts and terms can vary widely depending on the type of business, and the investor's future share typically varies from 10% to 80% future profits. For example, to open an online hypermarket building materials startuper is looking for 6 million rubles. In the future, the investor will receive 30% of net profit with a payback period of only 1 year. As you can see, there are options where it is profitable to invest a little money.

At the same time, it is profitable to invest a small amount of money, becoming a full-fledged sponsor of a separate project on a resource can be difficult, since the number of cheap startups on it is small. Now the most affordable of them requires an amount of $1,350.

However, a huge advantage of such services is the availability of joint investment opportunities - even in the largest and most expensive one, you can invest any amount, becoming one of many investors, among whom the profit will subsequently be divided.

Thus, you can invest in an expensive large-scale project with even $100.

Bonds

When choosing high-yield bonds, you need to remember the very real probability of default on them, which is why you should turn your attention to large issuers with a good reputation and a stable financial situation.

Corporate debt securities are not as reliable as government bonds, but they are one of the most balanced options for investing small amounts of money in terms of return and risk.

An example is the issue of bonds Mechel 17 about. The corporation offers holders a coupon of 10.38%, paid semi-annually. At the same time, you can invest a really small amount of money in securities, since the lot size for them is one bond, and nominal cost – only 350 rubles.

The market price for them practically corresponds to the face value, which allows you to start investing with an amount of even less than 500 rubles and this is a fairly reliable option where you can profitably invest a small amount of money.

It must be taken into account that in Russia, private investors will have to pay personal income tax on all income received from corporate bonds.

Private lending (P2P lending)

A risky, but quite attractive option for where it is profitable to invest small money is considered P2P lending, or issuing loans to individuals.

You can turn borrowing funds into a regular investment activity. There are various services for this, one of the most famous of which is WebMoney and its credit exchange.

In order to use this service, you must confirm your identity with a personal service certificate, which reduces, but does not eliminate, the risks of fraud and non-return.

Of course, lending from individuals is more expensive than from banks, which allows an investor on the Webmoney credit exchange to receive monthly income from their investments equal to interest on bank deposits for 2-3 years.

At the same time, it is quite possible to start investing with $100 in your account.

Thus, by investing relatively small amounts, you can count on a potential income of 100 percent or more per year.

However, this is only possible in theory, since in practice the share of non-repayments in the total amount of debts reduces profits by up to 50%. Of course, there are risks everywhere and this is not a reason not to do it.

Digital options

This method of investing money is considered more of trading than investing. However, digital (binary) options still remain one of the options for where to invest a small amount of money if you lack funds for more serious investments.

The attractiveness lies in the high profit - from 70% in just 10-15 minutes.

Websites

Investing money in websites implies active income, not passive, since the site needs to be managed, new content added, or advertised.

Even if you want to make any service or paid service, you need to constantly monitor performance and attract new customers.

If we talk about small investments, this means that you will need to add content to the site yourself and spend a lot of time promoting it, for example, publishing links to your site on forums and social networks.

But there are simpler ways - for example, buy a ready-made website and add advertising to it Google Adsense, and then passively receive profit from advertising.

You can select and buy a site at largest exchange Telderi.ru. But even for this you need to understand a little about the site’s indicators in order to distinguish a profitable and promising project from an unprofitable one.

Profitable sites are sold for various reasons - money is urgently needed for new project, the other is more profitable; a person is engaged in creating websites and selling them; The main job of the current owner does not leave time for the development of the site; The owner is simply tired of the site and has no desire to deal with it, and this happens.

Some people do nothing but buy websites. The payback rate for the project is up to 8 thousand dollars in about a year or two. The more expensive the site, the longer the payback period.

Investing small amounts of money in foreign currency

This method of investing is slightly similar to classic trading on.

Purchasing currency can be carried out both using our usual banks and in the terminals of specialized brokers. The largest ones include - which have been on the market for almost two decades.

Let's look at the example of a popular and familiar currency pair. By the way, remember that famous collapse of the ruble, when the dollar rose from 30 rubles to 70? Many people made money from this, especially since the dollar exchange rate was growing for quite a long time. Those who were able to invest even small amounts of money on time earned good money. And in the world such fluctuations occur constantly.

Wherever you invest money, you always find out how it works and what it can bring. It's the same with currencies. It is necessary to analyze the market environment before investing even small amounts in 500-1000 rubles. If done correctly, this thousand can multiply from just one transaction.

For example, here is the result of one of our transactions with currency pair GBP/NZD with the broker in just one day:

At first, you can invest in so-called safe haven assets - these are Japanese yen And Swiss frank. The latter is one of the most stable. This is a kind of analogue of gold in the foreign exchange market.

Many professional and large traders do not open trades every day, but wait for a good moment and open positions for a month or more. This is more like investing than trading. And the profit here is also high.

Someone else's business

A rather risky, but at the same time very promising option for investing a little money in to make it work is someone else’s business.

The advantageous difference from your own business in this case is the absence of the need to constantly spend your time, as well as a lower entry threshold.

There are several options for such investments:

1. Stock. Equity securities allow you to take part in management joint stock company, and also give the right to receive a part of its profits.
2. Loan agreement with the founder. In this case, repayment of the debt will not legally depend on the success of the business, and the amount of profit will be agreed upon in advance as a percentage of the debt amount.
3. Investments in business development as an investor. This can also include start-ups, but in addition to them, you can also invest in the development of an existing business, for example, in the opening of new directions or outlets.

Investments in ready business not through stock exchange and brokers will always follow an individual path. These could be contracts, acquisition of shares off the stock exchange, various types of agreements.

Just think, perhaps there are people around you who work at a good company where you could invest money. All you have to do is make an offer and start negotiations.

The disadvantage of such methods is the increased risks.

Bank deposit

A bank is the most proven, reliable and less risky way where you can invest small amounts of money. Its essence lies in the fact that you enter into an agreement with a bank, under which it not only stores your money, but also accrues profit on it in the form of interest. It can be obtained upon expiration of the contract.

At the same time, you can invest money at interest, starting with almost any amount.

Well, the bank uses these cash in their financial transactions and trading in the market in order to make more profit through additional funds.

The guarantee that you will receive your money is compulsory insurance deposits amounting to up to 1.4 million rubles. Roughly speaking, if your deposit is no more than this amount, then the bank will pay it to you in any case, even if it goes bankrupt. The refund in this case occurs at the expense of the state.

Naturally, the more money, the higher the profit. But experienced pros advise “don’t put all your eggs in one basket.” - this is one of the basic rules of successful investing, which we will talk about later. Therefore, divide the amount of your deposit between several banks within the insurance limits.

If we talk about classic time deposits, then for most of them the minimum threshold is considered to be an amount of 5-20 thousand. However, there are proposals from relatively small banks that allow opening a full-fledged deposit even from 1000 rubles: for example, MTS Bank offers a deposit MTS Profitable, and Textbank – Profitable+.

In addition, there is such a product as a savings account, the minimum amount for opening which is only 1 ruble. Even such industry giants as Otkritie offer services for its provision - according to this account, clients are charged 6,17% per annum. It may not be much, but you've already seen what compound interest can do.

OFZ

Bonds federal loan are considered an asset with high reliability, due to which the choice of options is quite wide, since the investor does not have to reject offers with high level risk.

There are various types of securities on the market, but federal loan bonds with constant income are in greatest demand for obtaining stable profits. The coupon for such instruments is set upon issue and remains unchanged until maturity, which allows you to calculate your future income.

As an example we can consider OFZ-PD 25083 with a fixed coupon equal to 7% from face value. The positive thing is that payments are made twice a year, which allows you to reinvest more often or simply spend the profits.

The par value of the paper is one thousand rubles, however, due to the Central Bank's reduction in rates, there has recently been a general increase in interest in OFZs, which is why the bond is now trading at a premium of 2,4% from face value. Accordingly, you can purchase it for 1024 rubles and after a year you will receive a guaranteed 70 rubles in profit.

Federal loan bonds are not traded in lots, due to which you can invest small amounts of money in them by purchasing one or several securities.

A significant advantage of investing in OFZs is the exemption of the investor from paying tax on the coupon income received. Corporate bonds are deprived of such preferences, which somewhat reduces their real yield.

Despite the availability of investments and profitability, the profit on OFZs does not suit everyone.

ETF

When you buy an SPDR share, you are buying a basket of 500 companies. If you were to buy these shares individually, you would need a lot more money.

Nowadays there is a growing number of funds not linked to indices, but linked to the industry, for example, PureFunds Drone Economy Strategy ETF (IFLY) invests in drone manufacturing companies. There are separate ETFs for various industries, such as oil, refining, biotechnology, medicine, fast food and so on.

The average share price is 10-40 dollars. By buying one share you are purchasing an entire portfolio. It is worth saying that, like mutual funds, these are longer-term investments. Large portfolios reduce risks, but also returns.

You can also look at the charts of more than 140 ETF funds:

Minimum deposit to start working on - $200 , at the same time, you need to check the box when registering that you are a qualified investor. This is a formality from the European regulator, confirming that you understand the risks of financial markets.

Also, a broker with a 20-year operating history has popular ETFs in its assets:

Investments in gold and other precious metals

Recently, more and more people have begun to invest money in purchasing. But you don't buy bullion and keep it under your pillow. In fact, you won't even feel them. When purchased, all this is stored in a special account in cash equivalent at the bank.

Like currency market, commodities are subject to short-term ups and downs. But for the most part, the main precious metal is rising in price in a long-term trend, as evidenced by the screenshot below.

It is not for nothing that gold has been considered the main safe haven asset for many decades. This metal is not subject to inflation, which eats away your savings in bank deposits, devaluing part of your profits. Also, no economic shocks, political events, natural disasters, or geopolitical risks affect the dynamics of gold. How, for example, can a currency collapse in a matter of hours or stock market.

Gold in such unstable situations can only gain further support and begin to rise. Since all investors will begin to withdraw investments from risky assets and invest them in stable metals.

It would seem that since everything is so wonderful, why doesn’t everyone invest in gold?

And this has its drawbacks. Namely, an inconvenient storage system, high taxation, etc. Gold can only be stored through banking system. Well, you can count on profit only in the long term.

To summarize, you can invest money in gold as a... Investments in metal are available from 1000 rubles through banks.

The goal is to save or earn

The choice of investment asset depends almost entirely on what goal the investor is pursuing. If he invests his last money in order to protect it from inflation, he must choose low-yielding assets with a minimum level of risk. In turn, the higher the desired level of income for an investor, the more risky assets he should use.

If you are saving money to buy real estate or another important acquisition, then it is not worth risking money. In this case, it is better to choose Bank deposit, since only he has a guarantee of return of the invested money even in the event of bankruptcy of the organization - after all, deposits up to 1.4 million rubles are insured by the Deposit Insurance Agency.

In search of the ideal option for where it is better to invest little money, investors often forget that it is not necessary to choose just one, because even 300-500 dollars can be divided into several different assets. This will help you preserve your investments in case one of the investments turns out to be unsuccessful and causes losses.

Basic Principles for Investing Small Money

Investing even small amounts requires taking steps to increase the likelihood of making a profit. Of course, it is impossible to completely eliminate risk, but following these tips can bring the investor significantly closer to the goal.

• Investing available funds. A good investor knows that you should invest only free, saved money that will not worsen your standard of living.
• Having a goal and strategy. Investing involves analysis and forecasting. You should not invest money in any instruments simply for the sake of investing them - a good investor should know how much, in what period and under what conditions he would like to earn.
• Discipline. Following his own strategy should be mandatory for the investor, despite the fact that no one will control him. If the strategy says that it is time to sell a particular asset, you should not try to hold it further under the influence of momentary emotions - often such incidents end in losses.
• Reinvestment. The secret to good profits in the long term is compound interest. That is why it is better not to spend your profits, but to invest them again, expanding your investment portfolio.
• Regular investments. Since we are talking about where to invest small amounts of money, the best way to increase your profits is through regular investments. For example, if you save 2,000 rubles every month, an investor is unlikely to lose much in quality of life, but at the same time it will significantly increase the speed at which his profits will grow.
• Don't stop learning. Keep up to date with events, news and new promising directions. This is the only way to be the first to find promising activities and have time to “catch the wave.” As was the case with Bitcoin at one time.

Where is it better not to invest?

There are many ways to invest funds that attract investors with high returns and quick profits. However, the proverb about free cheese has not been canceled. Let's consider several assets in which it is undesirable to invest.

Hype projects

Various sites promising 50-90% profitability per month, without having a clear concept of how such profitability is achieved. In the end, they turn out to be just financial pyramids. Of course, it is possible to make money on such projects, but not all of them. This happens, as a rule, only at the very beginning, because after attracting a certain amount of money they simply close and all participants know about it in advance. The goal is to have time to withdraw the deposit before closing.

For this reason, investing in various HYIP projects, financial pyramids, fund multipliers, etc. are acceptable only if the investor is aware of the risk and is ready to completely lose all invested capital in a short time. If it would be a pity to lose money, you should not invest even small amounts in such projects.

Personal growth trainings

Self-development - The best way invest money, but for this it is better to read books and receive specialized education.

Various kinds of seminars and trainings have long become a business in which the goal in itself is not to teach clients how to invest, but to make money on what they came for (give me 10,000 and I’ll tell you how to make money).

The vast majority of such seminars will not provide the investor with information and skills beyond what can be found for free on the Internet, but at the same time it can significantly empty his wallet.

Microfinance organizations

The large percentage offered by MFOs against the backdrop of bank deposits looks very tempting, but it must be remembered that such investments are not protected by the state, and a significant part of companies of this kind end up operating through bankruptcy when it becomes impossible to continue to partially pay money to their first investors at the expense of the following investments. For this reason, there is a very significant probability of losing your funds, and for completely legal reasons.

An investor must understand that if some organization offers income much higher than the market, and at the same time very profitable and comfortable conditions for investment, this should raise suspicions. There are a huge number of scammers online who want to make money from novice investors - you need to learn not to fall for their tricks.

Conclusion

IN modern world Anyone can become an investor, regardless of income level.

1000 rubles can become a million in the future.

There are many ways to invest a small amount of money, both in stock market instruments and in more complex and risky projects.

Depending on the type of asset, you can start investing from either 30 thousand or 1 ruble, which gives novice investors the opportunity to try their hand and earn their first profit in this industry.

If you find an error, please highlight a piece of text and click Ctrl+Enter.

Alexey Vilnyusov was born on February 10, 1989 in Leningrad. He grew up in a complete family: mom is a biology teacher, dad is an industrial plant worker. He studied well at school, but there were conflicts with teachers due to the boy’s excessive independence. In the 6th grade, Alexey's parents noticed a penchant for mathematics and turned a blind eye to unsatisfactory grades in the humanities.

At the age of 15, he became acquainted with computer technology and, like everyone else at that time, became interested in studying the possibilities and practical application Internet. The boy was inspired by his computer science teacher - he led a computer club, where he introduced interested schoolchildren to the structure of technology, the basics of writing programs, and ways to search for information on the Internet.

In high school, Alexey tried to participate in mathematics olympiads, but did not advance beyond the city level. The boy dreamed of getting rich and going abroad, so in addition to English, which was part of the school curriculum, in the tenth grade he began to study German, but almost immediately quit because the family did not have money for tutors.

Career

Alexey Vilnyusov graduated from eleventh grade with a certificate without C grades and entered the St. Petersburg technical university for a paid department the first time. To pay for his studies, Alexei’s parents took out a large loan and were forced to live in very cramped circumstances. Alexey tried to help his family: he worked as an assistant at a construction site, as a manager in a communication store, as a promoter, and as a bartender on the night shift. Alexey was able to get a job as a waiter in an expensive restaurant, but in his third year it became difficult to combine work and study, and he made a choice in favor of education.

At the same time, Alexey continued to study the possibilities of Internet technologies. Later, his teacher offered the young talented student a job as a laboratory assistant at the department with access to high-precision technology, which opened up prospects for growth in the scientific field for Alexey. Unfortunately, science couldn't help young man to pay off his student loans, so he decided to spend his time on more practical pursuits.

Trading helped Alexey Vilnius travel around the world

Not having the opportunity to get a second education, Alexey chose the field of finance for himself and began to study it from videos and materials on the Internet. After graduating from university, Alexey Vilniusov worked in an office for a year, but the measured work rhythm required great perseverance, and the lack of experience was poorly paid, so Alexey decided to start working for himself and tried to open an online electronics store. The business failed due to the optionality of suppliers, and six months later Alexey closed the individual entrepreneur and decided to try his hand at something new.

Then Alexey Vilniusov seemed to begin new life: I got a job as a barista in a cafe opposite a large bank, rented a room, met a girl with whom I fell in love. Positive changes in personal life, the dream of a rich life pushed Alexey not to stop there, but to look for options for legal and quick income as quickly as possible. His attention was drawn to the conversations of the bankers who had come for lunch. Thanks to one of these conversations, Alexey learned about trading companies and decided to independently study the issue of trading on the Internet.

The first three months he went into the red, so he applied logic, involved self-education in the field of finance and some techniques that he learned on thematic forums. As a result, Alexey Vilniusov created a successful trading scheme and earned the first 30 thousand in a month. Six months later, Alexey quit his position as a barista and devoted himself entirely to trading, bringing his earnings to 300 thousand a month. Realizing that this job would provide him with a stable income, Alexey proposed to his girlfriend on the anniversary of their relationship and took out a mortgage on the apartment for a short period.

Personal life

Alexey Vilniusov is married and has two children, and also fully supports his elderly parents. The children watch their dad’s work with interest, and Alexey trusts the eldest to make small transactions and explains the essence of what is happening. He is interested in self-development, loves books by Vadim Zeland and travels to a new exotic city every six months. Remote work allows him not to sit still, but to see the world.

Alexey Vilniusov on vacation

Last year he traveled around five European capitals in five days: Rome, Barcelona, ​​Paris, Amsterdam, Helsinki. Alexey plans to travel around all continents and at least the capitals of all major states. He plans to do this within the next two years. Alexey Vilniusov himself claims that the main secret of success is to stop being afraid and start doing.

“Fear fetters our brain and prevents it from seeing the real state of things, and in the case of trading, a timely correct move can take you to Olympus.”

Alexey Vilniusov now

In 2017, Alexey’s income averages 2-2.5 million rubles per month. Currently, Alexey Vilniusov is actively teaching young traders the art of making money, because after self-realization he wants to pass on knowledge to others and thus, perhaps, make someone’s life easier.

Judging by the responses and the number of questions that Alexey receives about his lessons, the number of students is increasing every month. Among them are representatives of different cities and countries. He leads

Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂

There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀

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

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

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

Regardless of what amount of money you are going to invest: small or large, this article will be as useful as possible for you!

In addition, you will learn:

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

Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.

No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (e.g. government bonds or bank deposits).

You should always remember this, because investments can bring both profit and loss!

Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.

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

But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉

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

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

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

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

For example, you can distribute it like this:

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

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

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

Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

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

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

2. Where is the best place to invest money in 2020 - TOP 15 profitable investment options

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

I’ll immediately share with you, using my personal example, one rather profitable investment that allows you to get much more than usual bank interest. 😉

PAMM account "Arslanov Fund" and its profitability

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

Although it does not show the same profitability (accordingly, it is more conservative, with less risks) as the previous one, nevertheless, for 5 years it brings investors “clean” income every year. near 60-80% . Agree, it’s very good! 😀

I’m still just looking at other PAMM accounts, but in my opinion, these two accounts are currently the most reliable for long-term investing.

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

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

Option #1: Bank deposits/savings accounts

DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 5% to 8%.

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

How to make money on stock growth - Google example

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

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

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

But naturally, there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!

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

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

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

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

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

You can easily invest in shares through.

CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.

Profitability:	Risk:	Payback:	Minimum investment:
15-100% per annum (change in share price + dividends)	depends on strategy	1-7 years	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium/high)	(⭐️⭐️ - medium/high)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal/moderate risks you can get relatively high returns.	(+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold.	(- ) Knowledge required. Uncontrolled risk and “flirting” with the market can lead to significant losses.	(- ) In the event of a crisis, shares can seriously and quickly fall in price.

Option No. 4: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading on financial markets(stock markets, Forex, oil, gold...).

That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.

All you need to do is distribute the initial investment amount into parts (preferably at least 3-5) and invest in different managers.

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

💡 This PAMM account (trader) has over $2.5 million , its profitability over 5 years amounted to over 135 thousand percent.

However, it should be borne in mind that although accounts/portfolios have shown good returns in the past, there is always a possibility that they will be unprofitable in the future.

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

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

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

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

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

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

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

I would like to tell you a few words about the so-called “structured products”, because they are also directly related to trust management. The income here, as a rule, is not the same as what PAMM accounts can provide, but nevertheless, structured products can bring significantly more than bank interest and bonds.

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

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

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

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

✅BCS offers investments in Gazprom shares with guaranteed returns 10% per annum(even if the price falls) and 100% capital protection. If the price of shares rises, then you can even get 14% per annum .

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

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

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

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and above	depends on the type of strategy: conservative, moderate, aggressive	1-8 years	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By distributing funds among the most effective managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option #5: Bonds

DESCRIPTION: Where do you think the money is invested? large banks? Mainly in bonds! Yes, they provide a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the simplest instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.

For those who don’t know, a bond, simply put, is an IOU. They can only act as borrowers as large companies, and the state.

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

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

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

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

I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.

Bonds, just like shares, can be purchased without having to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.

Profitability:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and above)	depends on bonds (for government bonds - very low)	7-12 years	from 10 thousand rubles
(⭐️⭐️ - medium/low)	(⭐️ - low)	(⭐️⭐️ - medium/low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low yield compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less confidence in it.

Option #6: Forex

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

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

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

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

You can trade on Forex either yourself or give money to professional traders to manage (this will be discussed in detail in the next section of the article).

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

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

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

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

In my opinion, one of the most effective strategies for trading day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!

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

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

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and above	depends on the strategy (initially has a high risk)	1-7 years	from 100 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If you have an effective strategy, you can get high returns.	(+ ) Low entry threshold and accessibility.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you don't manage your risk. 99% of beginners lose their money.	(- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period.

Option No. 7: Own/partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated or simply invested in someone’s business at the development stage.

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

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

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

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

As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«

Read about how to find your favorite job/work of life.

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

Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?

Here are some more useful tips:

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

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

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂

By the way, goods from China are now very popular, where the markup can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page websites).

Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.

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

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.

Read more about how to organize in a separate article!

CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	At the initial stage there is a high risk	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest returns among all investment instruments.	(+ ) It is easier for a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business.	(- ) You need to understand business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn.

Option #8: Mutual funds

DESCRIPTION: Mutual funds can also be classified as trust management, which we have already talked a little about.

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

Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.

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

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

Profitability of mutual funds for 11 months

However, mutual funds do not provide guaranteed profit unlike bonds and deposits, there are also often unprofitable periods.

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

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

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

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

CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.

Profitability:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Average yield exceeds interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as state control of the activities of mutual funds.	(- ) There is no guarantee that you will receive income. There is an additional “commission” (surcharge) for the purchase/sale of shares.	(- ) You will have to pay 13% tax on profits - many other investments have preferential tax conditions.

Option No. 9: Microfinance organizations (MFOs)

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

The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum period in MFOs is usually 3 months.

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

If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.

⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.

After all, it is better to invest money in a reliable organization at a slightly lower interest rate than in a newly established MFO with a high interest rate.

Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀

And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉

CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years	from 1 million rubles
(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passive income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in the event of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious metals

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

It is especially important to invest money in gold and other precious metals during a crisis, since this is where money migrates from the stock market.

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

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

Gold prices - chart

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

The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.

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

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

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis the yield is higher)	Minimum	7-20 years	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis.	(- ) Low profitability during periods of economic growth and development. Income tax is 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.

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

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

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

Moreover, while cryptocurrencies are showing a steady growing trend.

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

For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for themselves, one thing is clear - it is definitely not worth investing all your money in them!

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If cryptocurrencies grow, you can multiply your invested funds in a short period of time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies; in a matter of days they can both rise in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. There is a complete lack of guarantees - if you lose money, no one will return it.

Option No. 12: Internet projects (online business)

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

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

The following directions are currently popular:

1. Websites. Information websites are created and filled with unique content.

With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very wide, since the topic of the site determines how much income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.

But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.

2. Social publics. Surely almost each of us is subscribed to some community on social networks (VKontakte, Facebook, Odnoklassniki...).

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

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

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

For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.

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

But in this case, experience plays the main role, without it you can’t go anywhere!

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

For example, projects that exchange electronic money(essentially they are called exchangers).

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

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

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

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

❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.

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

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

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

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

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

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

And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand this.

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

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High profitability. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort.	(- ) There is a risk that the project will not take off and will not pay for itself.	(- ) Knowledge will be required. You need to have a good understanding of the key nuances of online business.

Option #13: Venture funds/investments

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

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

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

But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.

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

Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .

There are basically several ways to invest money in startup projects:

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

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

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from $500,000)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible return.	(+ ) It is not always necessary to invest large amounts of money at the start of a project.	(- ) Very high risks, most starting projects turn out to be unprofitable.	(- ) Fraud is widespread - investment platforms can turn out to be financial pyramids.

Option #14: Art objects

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

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

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

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

And the crisis has virtually no effect on the value of art objects.

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

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and above	minimum	usually from 1 to 3-5 years	from 100,000 rubles and above
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - average)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get relatively high returns with minimal risks.	(+ ) High reliability. Over time, art objects only increase in price.	(- ) Often, investing in art requires a large initial capital and involves long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option No. 15: Knowledge and personal development

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

It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.

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

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

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

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

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

CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t forget that even a bad experience is also an extremely valuable experience! 👍

Profitability:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks/months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn it into money.	(- ) For many, it is difficult at first to motivate themselves to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules of proper investing - TOP 5 tips

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

First, what I already talked about at the beginning of the article is not to keep all your eggs in one basket. Especially this rule concerns you if you have a lot of money to invest.

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

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

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

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.

Believe me, this is an already tried and tested path, on which a huge number of people have lost entire fortunes!

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

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

Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.

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

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

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

IN this section article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!

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

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

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

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

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

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

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

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

— Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.

For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.

Or alternatively:

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

5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud

At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.

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

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.

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

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

Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on the investments of gullible people.

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

Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.

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

I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (it’s not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

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

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

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

Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !

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

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

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

Money depreciates over time, that is, it loses its purchasing power due to inflation. This process occurs constantly. That is why storing your savings under the mattress is unprofitable and unwise. Funds need to be invested profitably. Only in this case can they be preserved and increased.

You should not think that only wealthy people can invest money profitably in Moscow or another city in the country. Every person should be able to manage their savings correctly. At the same time, the main danger for any investor is a lack of information. That is why you need to study in detail the experience of successful people, the basic rules of investing money, expert opinions, and so on. You should start your journey by reading this article. If you are interested in information about how to properly work with online investments, then follow the link. Important: come back, there's 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 investing money with the least risk. They are formulated taking into account the experience of the world's leading investors. Ignorance or disregard of these rules can be costly. Let's look at 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, this is, rather, not an investment, but a savings instrument. Investments often involve risks, and when investing money you should 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 your usual standard of living without other sources of income. To create such a cushion, you need to regularly postpone 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 after this is it worth thinking about what you can profitably invest your money in.

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

Principle 2: Diversify your investments.

In order for your money to work correctly, think about what you can invest it in in order to comply with the principle of diversification, that is, division into different instruments. This concept you're probably familiar with it. 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 thing 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 some money to other projects so that the invested funds do not accumulate in one area

Diversification involves investing money not only in different financial instruments, but also in economic sectors. For example, if your money is invested in the stock market, structure your portfolio so that it works in companies in different sectors.

What is an investment portfolio? It represents the totality of all the investor's assets. If you have invested money in a business, stocks, real estate, all these instruments for making a profit will be called an investment portfolio.

To make it as resistant to market changes as possible, 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 upward and will not give investment portfolio sag.

Principle 3: Control risks.

Risks are the main problem that absolutely all investors face. Before you invest, consider how much of your investment you could lose and where you can make up for it. Only after this is it worth predicting possible profits.

Unfortunately, novice investors make the same mistake. Overestimating their strengths 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 matter that requires a serious approach. 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 sums, especially in something you know little about. Never take loans or credits with the hope of increasing them in some super profitable way. In 99% of cases, this ends in the loss of the entire amount and debt obligations. Agree, no one wants to stay in debt for a long time. 500000 or even 1000000 rubles

Thus, there is no need to rush. Future millions will not run away if you take the time to become a good specialist in this field. Otherwise it is impossible to earn a lot of money.

Principle 4. Attract co-investors.

As you gain experience, funds can be invested together. This is how you get more possibilities and you can choose the most profitable investments.

For example, do you know about the beneficial and reliable project or instrument, you have available funds, but they are not enough. Then it’s worth finding people who are ready to support this investment idea and invest on an equal basis with you.

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

This way, multiple investors can create a trading account and place it in trust. They take on all risks in proportion to the money invested. At the same time, investors can agree with the manager that he will stop working if he receives losses in a specific percentage.

IMPORTANT: If we summarize this scheme, we can see that experts agree that it is better for investors to be willing to sacrifice, for example, 15% of their savings in order to earn 30%.

Principle 5: Create passive income.

Increasing capital 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 earnings are 30%. But there is no guarantee that next time you will receive the same amount. It should be borne in mind that the yield of 30% is much better than the bank one. This means that the risks are 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 out a loan for the same amount. These funds should be invested more conservatively. The asset and passive income will act as a guarantee of the return of the borrowed money.

How much can you start investing with?

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

What to do if you have 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 will be formed. As income increases, savings will increase proportionately. The invested funds will work, and you will relax.

All famous people who teach how to handle finances correctly and show by their example where it is better to invest speak about the need to save money. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.

Unfortunately, many people start spending even more as their income increases. Some even take out loans because they always lack money. 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 and 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;
• minimum threshold for investing money;
• simplicity and clarity of the investment instrument.

Disadvantages of a bank deposit:

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

Real estate

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

Pros:

• the opportunity to make money from the difference between the purchase and sale costs;
• the opportunity to receive passive income by renting out real estate;
• protection of funds from inflation;
• the opportunity to invest in real estate for your own needs.

Minuses:

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

Mutual funds

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

Pros of mutual funds:

• interest at the end of the reporting period is often higher than in a bank;
• large selection of investment instruments;
• small initial amount for investment.

Disadvantages of mutual funds:

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

Trading accounts (Forex market)

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

Pros:

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

The only disadvantage of trading accounts is the high risks. Every manager can lose money, 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 at the time of expiration. If the forecast comes true, he makes a profit. Very simple and quick way earnings, however, there are corresponding risks: without a clear strategy, you should not invest thoughtlessly.

Pros:

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

Minuses:

• high level of losses;
• lack of possibility of early closure of the transaction.

Issuing microloans through the exchange

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

Pros:

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

Minuses:

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

Business

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

Pros:

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

Minuses:

• high risks of losing funds;
• low liquidity of many assets;
• the need for personal participation in running a business.

Securities

Using this tool requires professionalism and skill. There are many examples when shares of some companies grew several times in a short period of time. However, there are hundreds of other organizations that have failed. Nobody advertises this. There is no guarantee that the money invested will bring profit.

Advantages of securities:

• you can get high profits;
• you can come up with an investment scheme yourself;
• 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 increases 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 backed by precious metals);
• relative exchange rate stability;
• maintaining the value of metals for a long time;
• protection of 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 Compulsory medical insurance receipt Profit is possible only if the value of the metal increases.

Art

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

The advantages of this method:

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

Minuses:

• large entry threshold;
• low liquidity;
• difficulty assessing value and authenticity;
• long-term investment.

Venture funds

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

Advantages:

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

Flaws:

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

Hype

- This investment fund, working on the principle of a financial pyramid. In this case, the money is paid 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 speed of profit generation;
• low entry threshold;
• complete anonymity of all participants in the process.

Minuses:

• high level of risk, since it is difficult to predict the operating time of the hype;
• no chance to get back 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 make money on exchange rate differences;
• small or no transaction fees;
• small entry threshold;
• uncontrolled exchange of money between users.

Minuses:

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

Websites under CPA

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

Advantages:

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

Flaws:

• opacity of relations between CPA network partners;
• possible payment failures.

MFA Sites

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

Pros:

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

Minuses:

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

Such sites are created to sell rental or permanent links. Previously, this method of earning money was very popular. However, today there is a decrease in income due to increased risks for buyers.

Pros:

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

Minuses:

• risk of falling under filters;
• decreased relevance of links;
• constant decline in positions.

Phone apps

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

Advantages of this method:

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

Flaws:

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

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

This method has the following advantages:

• creating a public page is very simple;
• investments are required only at the initial stage;
• You can make money by advertising or selling public pages.

Flaws:

• you need to publish material regularly;
• You can get banned from moderators.

Investing in your development

If you want to invest money, choose investing in your development. This is the most profitable and risk-free method. If you don't invest in your development, everything else is practically meaningless.

Advantages:

• the benefit reaches 100%;
• risks are reduced to a minimum;
• This is how anyone can invest money.

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

Where should you not invest?

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

Among the methods of earning 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 only create the appearance of playing. They work for a while, get paid, and then disappear. Soon such casinos will begin 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 casinos is that everything is decided for you before you place a bet, so 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 at extracting your money, and gambling people often end up in the red. There are often cases when the thirst for easy money has led people into very unenviable situations. If you are a gambling person, it is better to refrain from making this money. Not only luck works here, but also a clear program and pseudo-random controlled by the casino organizers.

An analogue of a casino is lotteries. In this case, the organizers sell tickets, for example to 10,000 rubles. Among them there is one winning one. The winner receives 500,000 rubles, and the rest of the money goes to the organizers. The lucky winner is photographed and shown to everyone as an example of the company's honesty. This allows 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 high returns on investments, which can reach 15-100% per month. Funds are paid as long as there is a flow of new depositors. We can say that hype is the same as a casino, since you can never predict what will happen in the end; your investments can either increase or disappear. Like any other pyramid, HYIP projects are a highly profitable industry, but with very high risks. I recommend making several test investments, or better yet theoretical ones. Find any transaction that matches your planned investment and watch it. It’s most convenient to track several projects, so you will learn to pay attention to trends and understand the mechanics of how HYIPs work. Be skeptical about the opinions of experts who advertise hype, remember that they get money for it.

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

Such pyramids live from 1 day to several years. It is the type of project you are faced with that will determine whether you win or lose. 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 are coming up with more and more new ways to work longer and earn more.

I have experience working with such financial pyramids. At first, I didn’t get anything good from the hype, although there was still profit from time to time. Today I receive a stable income. However, as I already said, every time the admins of HYIPs come up with something new, and because of this it is increasingly difficult to distinguish them from normal ones 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 you can invest money 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. If you have the slightest doubt, you need to promptly withdraw your savings with interest. However, this does not guarantee the safety of your finances.

Also, you should not invest in illegal and morally unacceptable projects. We are talking about trafficking in drugs, weapons, counterfeit goods, the organization of brothels, shell companies that launder money, fraudulent schemes in the real estate sector (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 it, and secondly, it will be unpleasant and restless for you to spend money received through the suffering of other people. To live in peace, look for honest and socially acceptable ways to make money. Only in this case will you gain financial freedom and spiritual harmony.

Assistance in creating an investment portfolio

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Official biography

According to the officially supported version, Alexey Vilniusov is a native of Leningrad, born on February 10, 1989, and grew up in a working-class family. His mother taught biology in high school, and his father was on the staff of an industrial enterprise. Childhood years were devoted to study, and in adolescence, a passion for computer technology began. The young man attended a thematic circle on computer science. The teenager mastered the basics of programming, the technical design of machines, and the Internet. Performance in the exact sciences was good, and grades in the humanities were average. The young man successfully completed school and entered the paid department of a technical university.

Combining study with work had to be stopped in the third year of university.

Trading on financial markets

The most popular trading methods promoted by Vilnius are the following:

• “Color to color” - it is assumed that transactions will be opened in the direction of the current trend. An option corresponding to the previous closed candle is purchased. If an ascending bar has formed, an “Up” trade is opened. The appearance of a “bearish” candle on the chart serves as a signal to open a “Down” position. If the transaction is closed with a loss, then an option in the opposite direction is bought.
• "Barcode" - the De Marker indicator is used. Trading is carried out according to the trend with the opening of positions upon receipt of signals consisting in the appearance of several bars of a single color in the “indicators” window. Signals are confirmed by candlestick analysis.

Public activities

The trader has developed a system for compensating losses, which involves increasing the size of investments in the event of an unfulfilled forecast. It is stated that the method is designed for 9 steps and allows to neutralize the effect of negative mathematical expectation characteristic of binary options.

In fact, this is a variant of the martingale and can lead to the “merging” of increasingly large sums and complete bankruptcy.

The platform of the notorious binary options broker Olymp Trade is promoted as a source of constant high income. It is alleged that passive income is generated by using the capabilities of this company’s affiliate program.

Alexey Vilniusov is also involved in teaching. The trader founded the community “How to make money on the Internet” on the VKontakte social network. The entrepreneur has a YouTube channel Alex V. and a business account on Facebook: “How to make money / Where to invest.” Information resources are used to propose strategies, trading techniques and exchange opinions.

Regular streams are organized to demonstrate the practical capabilities of a trader. Alexey Vilniusov offers his colleagues the “VIP Club” product. Anyone who makes a deposit with a broker in the amount of 30,000 rubles or more can become a participant. Project participants receive a number of benefits:

• individual trading training;
• detailed analysis of strategies;
• familiarization with priority indicator settings;
• psychological support;
• consulting on trading topics.

It also attracts people through the affiliate program. The size of referral payments depends on the trading turnover and attracted traders. Conducted individual training allows you to increase the level of skills of invited people. An increase in referral profits leads to an increase in the level of payments to the partner. Attracting referrals is carried out by distributing promotional codes through the VKontakte group. People are offered a bonus when they replenish their account by entering a code.

Personal life

The personal life of a trader is not publicly disclosed.

A trader's hobby involves traveling. Regularly travels abroad. You can see video reports about his adventures abroad on the pages of the communities he created on the Internet.

Videos are published that describe visits to the world's largest capitals and popular resorts. Judging by these videos, Vilniusov regularly visits United Arab Emirates, Spain, Italy, the Netherlands, Finland, France.

Self-PR

It is actively promoted through telegram channels. There is a fake page imitating a Wikipedia article at alexey-vilnyusov.rf/wiki/Aleksey_Vilnyusov.

The same type of laudatory articles with an “official biography” are posted on a lot of sites, for example, on 24smi.org. A profile on