What to do with 1,000,000 rubles. Where to invest a million rubles to earn

You will learn which business to invest a million rubles in to make a profit, which investments are the most promising, what you can invest 1,000,000 in so as not to go broke

Greetings to our readers! Regular authors and creators of the online magazine “HeatherBober” Alexander and Vitaly are with you again.

Today we will talk about large monetary investments and tell you how to increase your capital in the safest way possible.

The article will be of interest to entrepreneurs, money makers, investors and people who want to improve their level of financial literacy.

Let's start, friends!

1. Large financial investments - how to invest money wisely

A million rubles is quite a suitable amount to make profitable investments and provide yourself and your loved ones with a comfortable and comfortable life for the next few years.

Today we will not talk about how you can earn a million rubles - there are many original and useful publications about this on our website (for example, “”). We will talk about how to manage such money as productively and wisely as possible.

In this article we will try to answer the question in detail and thoroughly: where to invest 1,000,000 rubles in order not only to save, but to increase money?

What are the benefits of large investments?
The rule is true for them: the larger the investment amount, the higher the interest.
Choosing an investment object is a responsible matter that should be approached intelligently and armed with knowledge.
You should not invest your entire million in one direction - this greatly increases the risk of total loss of capital. Even the most reliable banks in the world do not provide a 100% guarantee of the safety and multiplication of money.
Conclusion
Investments should be divided into several parts: diversification of deposits (as it sounds in the language of financiers) reduces the risk of loss of capital many times over!
And a few more rules for smart investing:
Determining the risk-return ratio. Any transactions with money involve some degree of risk. You need to invest so that the probability of receiving income significantly exceeds the risk of losing capital.
Invest only working capital. Never operate with money that is needed to pay for vital things - food, housing, health, education of children.
Don't make emotional gut decisions. Final conclusions regarding investments are made after a comprehensive analysis of the situation. Only a reasonable approach guarantees stability of profits and safety of money.
Engage professional consultants. Specialists will help you avoid common mistakes and conduct transactions more competently. Even a few extra percent of profitability in the case of a million means tens and hundreds of thousands of rubles.
Don't invest under pressure. It doesn’t matter who is putting pressure on you - relatives, friends, partners - the decision on deposits should be made by you personally.

It is also important to decide in advance on the purpose of investing. Long-term deposits are radically different from short-term ones. Quick profits increase risks; investments for long periods are more reliable.
If your goal is to create permanent passive income, use more conservative investment tools. If you need to turn around capital in the shortest possible time to purchase a certain thing (a car, a house, a sailboat), it is more profitable to use more aggressive investment methods.
An alternative investment option is to purchase a ready-made franchise business. The good thing about this scheme is that it is guaranteed to work. The risks are minimal, and the commercial effect is known in advance.
We even have a specific offer - a franchise of a Japanese restaurant chain. Why this project? It's simple - our good friend named Sergey has already invested money in this business and is already receiving a stable profit. Sergey invested 1.5 million in opening a restaurant in the “island” format and recouped his investment within six months.
Another plus in favor of the project is the prospects of the niche. All over the world there is an outflow of visitors from expensive restaurants to more affordable and affordable ones. Sushi Master is just an example of such a retail outlet. 120 restaurants have already been opened in 8 countries. All of them bring decent income to their owners and use effective marketing technologies.
2. Where is it better to invest 1,000,000 rubles - 6 ways to invest profitably
Smart investments are the key to a calm future. Financial independence gives you the opportunity to do what you want, and not what life circumstances oblige you to do.
It’s great when work is both a hobby and a favorite thing, but in practice, most people are engaged in low-paid wage labor, dreaming of travel, relaxation, and meaningful communication with friends and family.
If you are reading this article, it means that you are already changing the situation for the better or sincerely want to do so. To bring you closer to your goal, we have selected 5 investment methods: the most popular, the most reliable, the most profitable, the most conservative and the fastest.
Choose which method suits you best in accordance with your personal goals, ambitions, and other objective and subjective factors.
Method 1. Real estate (the most POPULAR method)
When it comes to saving large financial assets, average citizens think about two things - bank deposits and real estate. We will talk about the first option later, we will consider the second right now.
Real estate will always be in demand, since housing is one of the basic human needs. Everyone needs a roof over their head, which means apartments and houses will always be a popular and reliable way to invest capital.
Apartments will allow you to receive 2 types of income:
Rental income.
Income from sales.

Renting is a typical type of passive income: receiving money without labor costs. You have a profit based on the right of ownership and do not make any efforts to obtain a monthly profit (daily, if the apartment is rented daily).
While the apartment is rented by other people, it remains yours, and its value on the real estate market gradually increases. At any time, you can sell the apartment for more than what you bought: the difference in cost plus rent will be net income from investment.
Some make money exclusively on purchase/sale transactions.
There are several options for such operations:
you buy real estate, wait until prices rise, and sell it;
you buy an apartment in disrepair, make repairs, sell it at a price exceeding your costs;
you buy living space at the stage of construction or foundation of a house, and sell it after the facility is put into operation at a high price.

There is one “but”: during economic downturns, real estate usually falls in value and provides low returns throughout the crisis. During such periods, it is better to refrain from sales and make money exclusively from rent.
Method 2. Bank deposit (the most RELIABLE method)
Whatever one may say, bank deposits remain the most reliable and affordable way to increase capital.
In addition, in Russia, for example, the state protects the interests of the depositor - the bank client receives an almost 100% guarantee of return of funds with the promised interest, since by law all deposits of individuals up to 1.4 million rubles are required to be insured.
This method of investing cannot be called very profitable. The maximum that banks promise to citizens is 10% per annum, in rare cases 12%. In conditions of stable inflation, real profits will be even less.
Of course, a million is a good amount, promising 100,000 income per year for storage, but if prices rise by about 10-13% during this period, the real profit will fluctuate around zero.
A more expedient way to increase and preserve finances through banks is to transfer capital into euros and dollars and store it in them. True, the interest rate for deposits in foreign currency is much lower.
Use the services of large banks that are included in the TOP 50 or TOP 10 most reliable financial institutions in your country.
Such institutions, as a rule, have government support, which increases safety and provides psycho-emotional peace of mind.

Banks are an excellent option for long-term preservation of funds. If you need money in a shorter period of time, it is worth considering other (more aggressive) investment options.
When making deposits, study the terms and conditions in advance. When comparing deposits, users and banks themselves focus on interest on deposits. But this is not the only indicator of profitability.
The total profit also depends on:
from capitalization of interest;
from the possibility of replenishing deposits;
from the conditions of account closure.

The more freedom of action the deposit agreement gives the client, the lower the percentage of income. But if you choose a complex formula for calculating interest (with monthly capitalization), profitability can be increased.
Method 3. Own business (the most PROFITABLE way)
A starting amount of one million rubles is an ideal base for starting your own business. It’s not for nothing that we called this method the most profitable - there are no profit limits for business. In a year you can double or triple the amount of the initial investment and even increase it 10 times.
There is another danger - losing your money by investing it in an unprofitable enterprise. To prevent this from happening, experts advise investing in a business that is close and familiar to you.
For example, a very good option for investing your own money is “Business with China”. By purchasing a test batch of goods, you can sell it with a markup of up to 500% and increase your capital by 3-5 times. Some of my friends are already doing this and earning up to 700,000 rubles a month net.
There are certain subtleties in the “Chinese theme,” but everything can be learned. If you are interested in creating a business on Chinese goods and turning over a million rubles, we strongly recommend doing this under the guidance of an experienced mentor.

If you are interested in starting and developing a business with China, we recommend watching a video in which student Evgeniy shares his financial and other successes after completing the training:

As you can see, you should choose an area in which you feel like an expert, and the chances of successfully promoting your business will increase significantly. But it is not enough to understand the business; it is important to finance the enterprise as competently as possible.
Remember
90% failed business projects become such at the launch stage!
Any business is competition and struggle.
Despite the fact that today many entrepreneurial skills can be learned, the basis is still the nature of the personality of a particular person - his character, his style of thinking.
If you have weak nerves and lack toughness, if you initially do not enjoy the idea of solving a huge number of problems every day, negotiating with everyone: suppliers, employees, regulatory organizations - it is better not to start a career as an entrepreneur at all, but to choose more “peaceful” ways of multiplying capital .
And now the current trends for choosing a business direction:
Car wash. Even in large cities with a large number of such services, motorists often have to stand in line to wash their car. Considering that the number of cars is constantly growing, this business will always remain profitable.
Mini-hotel (hostel). Another problem of large cities is the lack of affordable housing for visitors. If you start a business of this type in the mid-price category, you can recoup your investment in just a few months.
Mini bakery. Bakery products are an essential commodity. Demand for it does not depend on the time of year or the state of the economy. The profitability of such a business is approaching 100% - the main thing is to competently establish a sales market.
Online store. With 1 million rubles you can organize profitable online trading of the most popular goods and at the same time promote your website according to all the rules of effective SEO optimization.

By the way, we already wrote about that in one of our publications.
There are no unique get-rich-quick techniques. Every business requires 100% involvement in the process, at least in the first years of its existence. It takes hard work to turn a business into passive income, but at this stage the profits will be stable and high.
Read about that in a separate article on our resource.
Method 4. Precious metals (the most CONSERVATIVE way)
Investments in gold have been profitable throughout human history. Precious metals are not subject to corrosion or deterioration, and their reserves on the planet are limited. It's no surprise that the prices of gold, platinum, silver and palladium are always rising.
There are several ways to invest money in gold and precious metals:
purchase of gold bars;
buying coins;
investments in shares of gold mining enterprises;
opening a gold deposit.

Gold bars are the easiest to purchase. All major banks sell them, issuing a certificate for the goods sold. Remember that transactions in precious metals in the form of bullion are subject to an 18% tax.
Example
If the annual increase in gold price is 5-10%, when selling bullion a year after purchase, you will lose 8-13% profit on VAT. When purchasing precious metals, you should count on a long-term investment when the profit exceeds the tax percentage.

The coins are not subject to tax, and some of them also have collector's value. However, real profit from coins can also be obtained only a few years after acquisition.
An unallocated metal account (gold deposit) is suitable for relatively short-term deposits. The advantage of this method is that you don’t need to buy anything, which means there are no taxes.
You simply open an account, and the bank agrees to pay the required amount after a certain period of time at the gold rate. This is the simplest and safest option, especially if the account is insured along the way.
Method 5. PAMM accounts (The FASTEST way)
Investing in PAMM accounts means transferring your finances to trust management of financial transaction specialists. You give your money to the company, professionals put it into circulation and try to make a profit.
The management company invests money in stock markets or other promising areas, and you simply wait until the time comes to withdraw profits from your account. Investments in PAMM accounts are a typical example of passive income with relatively low risks.
To earn income from stock trading, you do not need to have specific knowledge: your task is to find a profitable company and trust it with your money.
The secret of success lies in the right choice of a PAMM account. To place your capital in good hands, you will have to spend a certain amount of time and effort comparing management companies. But the result will be appropriate.
4. Minimizing risks - how to protect large capital

Last update: 12/30/2019

Reading time: 15 min. | Views: 3404

Hello, dear readers of the financial magazine “site”! Today we will tell you where you can invest 100,000-500,000-1,000,000 rubles or more to earn money this year.

After studying the publication from beginning to end, you will also learn:

why it is better not to store rubles, but to invest them;
what investment methods are best to use if you have half a million rubles;
where to invest a million to make it work;
where to invest capital of 10 million rubles or more;
what is the main object of investment.

In addition, at the end of the article you will find 10 practical advice for investors.

So here we go!

Read about where it is better to invest 100,000-500,000-1,000,000 rubles to earn money in our issue

Ruble bank deposits , where many Russians keep their money, have never been reliable financial investments. In times of crisis, they even became high-risk. Moreover, now the inflation rate is significantly higher than deposit rates.

It is easy to draw the correct conclusion: It is unprofitable to store funds in rubles. Moreover, the current level of inflation entails unprofitability.
If you have savings, even if not very large, it’s worth making them work for yourself. If this is not done, capital will inevitably decline ↓ due to inflation And devaluation.

Method No. 3. Precious metals

Most often, investing in precious metals means investing in gold . It is the metal with maximum demand in the modern world. At the same time, over the long term, the price of gold is constantly growing. Moreover, during major global crises, the price of this precious metal reaches its maximum.

Gold is valued all over the world. This is explained by the fact that any state, regardless of the economic situation, strives to increase reserves that are stored in gold. Eventually : when prices for various goods fall, the demand for precious metals increases ⇑, and the cost of gold also increases ⇑.

In today's world, investing in precious metals is very simple. To do this, it is enough to issue impersonal metal account (OMS) in any credit institution that provides such services.

Having invested the available amount of money, the client receives documents to the account in which the gold is placed, its value is equivalent to the size of the deposit. However, one should not think that the client will immediately start earning money. You can only make a big profit from gold in 5 -10 years.

Method number 4. Mutual funds

Today mutual funds in our country are still underdeveloped. However, some of the largest banks have established mutual funds that are excellent for investments.

Mutual funds are investments based on the principles of trust management:

investor acquires shares, which represent part of the fund’s property, using his existing capital;
mutual fund combines funds received from the sale of shares with its own capital and makes investments. Depending on the investment results, the size of the fund’s capital increases or decreases↓ due to losses, and the value of each share increases or decreases accordingly.

Advantage Mutual funds have higher returns than bank deposits. At the same time, the level of risk is approximately the same.

Method No. 5. Forex

‼ However, it is important to understand: Knowledge alone is not enough. It takes most users a huge amount of time to develop a certain psychology and their own trading strategy. Often, several deposits are drained during training.

On the one hand, the amount of income received on Forex directly depends on the amount of capital invested. But despite this, at the initial stage, specialists not recommended open a deposit for more than 100-200 thousand rubles.

The fact is that the foreign exchange market is associated with a huge number of risks. Until you manage to fully master it, inappropriate risk a lot of money.

More information about Forex trading in the video:

Method number 6. Binary options

One of the fastest ways to make money by investing a small capital is. To make a profit in this way, it is important to have the right attitude towards risk, as well as learn to carefully study the market situation.

To earn money, the user must correctly predict the direction of movement of the main instrument's rate after a certain time period.

When the period ends, all that remains is to check the result:

If the forecast was correct, then the value of the underlying asset will go in the right direction and the user will receive profit in the amount of 65 before 85 % .
If the prediction turns out to be wrong, awaits the trader lesion at the rate of 80 -100 % from the funds bet on the option.

Experts recommend When deciding to invest in binary options, carefully choose a broker. It is best to choose a company with an excellent reputation, whose activities are regulated by independent organizations.

📌 Some users believe that only luck allows you to make money when using binary options. They imagine investments like roulette game.
In fact, this approach is fundamentally wrong. It is enough to put in a little effort and study the principles of changes in the rate of the main asset to make forecasts more accurate. As a result, the likelihood of making a profit will increase.

When trading binary options, there are 2 options:

call up option represents the operation of acquiring a main asset, that is, the trader will make a profit if the exchange rate rises;
put down involves a sale, that is, income will be provided if the value of the instrument falls.

Among the main advantages of binary options are the following:

A trader is offered a huge number of trading instruments to choose from. Even beginners can work not only with simple currency pairs, but also with oil, precious metals and any other assets.
The size of the profit, as well as the level of risk, are known in advance. Even before purchasing an option, a trader can understand how much he will earn if the forecast is correct and how much he will lose if it is incorrect. Some brokers allow users to choose their own profit and loss percentages.
Any investor can easily access binary options at any time. In other words, the user does not need to download and install any software. Moreover, there is no need to identify yourself. To get started, just log into the online resource of the trading platform.
Binary options trading is carried out without interruption. On weekends and holidays, trading continues uninterrupted. Therefore, you can make a profit at any time.
The trading interface is designed in such a way that it is intuitive even for a novice trader. Absolutely all movements in the price of the main asset are ignored. Only the end result matters.

Despite the large number of advantages, binary options, like any other financial instruments, also have minuses.

The disadvantages of working with binary options are:

Each incorrect forecast entails a loss of up to 90% of the funds invested in the transaction. Often this is a large enough amount to recoup the profit, you will need to achieve success at least in 3 -x transactions.
When working with binary options, there is no way to close a transaction before the expiration of the set time period. Even in situations where the user realizes that he has made a mistake, and the course is constantly moving in the opposite direction, he cannot change anything. The trader just has to wait for the time to expire.
Binary options trading does not involve leverage. It turns out that the trader can work only with the capital he has. This does not allow you to earn more, despite the fact that there is a positive factor in this - there is no danger of risking more money than planned at the beginning.

Thus, binary options allow you not only to save capital, but also to significantly increase it. To do this, it is important to carefully understand the economic situation, choose an instrument that you understand and learn to predict its changes.

Method No. 7. Hype

Hype – a type of investment that causes a huge amount of controversy. But despite everything, some capital owners who are not afraid to take risks make good money from them.

At its core, hype is a small one. In this project, users are promised huge interest rates on their deposits. The arguments may be different: supposedly the funds are collected for investments in high-yield assets.
⚠ In fact The collected funds are used to pay interest to investors who previously joined the project. When the pyramid grows, there is no longer enough money for payments. There is only one way out of this situation – fictitious bankruptcy of the project.

Understanding that hype is an ordinary pyramid, many believe that it is impossible to make money on such projects. However, this is not entirely true.

The fact is that in order to attract the maximum number of investors, HYIPs at the initial stage pay the promised interest. Depending on the size of the project, this period may last from month to year .

It turns out that if you recognize a successful hype at the very beginning, you can make good money from it. Some investors take advantage of this. They invest capital in a project, and after a short time they withdraw it along with interest.

This option is quite risky, because only those who manage to withdraw funds on time can earn money. Anyone who does not have time to withdraw funds before bankruptcy will lose the money invested.

Method No. 8. Cryptocurrency

The popularity of cryptocurrencies in the modern world is constantly growing. However, it is still the subject of controversy among a large number of investors.

alone They consider cryptocurrencies to be a soap bubble that can burst at any time.
other investors on the contrary, they argue that as long as there is a high demand for electronic money, and their quantity is limited, their cost will be high.

As you can see, there are quite a lot of ways where you can invest 500 -700 thousand rubles and earn . Naturally, the presented list is not exhaustive. We have described here only the most popular options.

Profitable ways where you can invest 1 million rubles or more

4. Where to invest a million (1,000,000) rubles or more to make money this year - TOP 6 best ways 💰

Capital size in 1000000 rubles and more – the amount for investment is quite impressive. If you have a capital of this size, you can find a huge number of options for investing it. Below are the most popular ones.

Method number 1. Acquisition of a ready-made business

Acquisition of a ready-made business– a suitable investment option if you have capital in the amount of 1 -3 million rubles . This method became popular in Europe in the late nineties.

During this period of time, businessmen appeared who urgently needed money, as well as those who were simply tired of their own business. They were the ones who began to implement finished projects to those who were more interested in them.

Experts advise: Before purchasing a ready-made business, make sure that it really works. To do this you will have to communicate with employees.
If the business is small, it is even better to get a job and work in a team. This will help you understand how many actual clients there are, and whether the activity brings the declared profit. As a result, it will become clear whether it makes sense to acquire such a business.

If you buy a ready-made project, you won’t have to launch it, fight with competitors, set up the process while minimizing costs - all this will already be done. Moreover, the basic principles of operation will be explained to the buyer.

The businessman will have to exercise control over the processes and make a profit. In order to quickly understand the specifics of the activity, at least minimal experience in running a business is required.

Method number 2. Organization of a business based on a franchise

Those who want to run their own business can not only purchase a ready-made activity, but also create a business on the basis of, which is a registered right to use a trademark.

In other words, this method is doing business under a popular brand. In most cases, franchises are provided by organizations from the fast food industry and restaurants.

Among the advantages of creating a franchise business are the following:

comfort;
ease;
stability;
Receiving a profit.

If you choose the right partner, a businessman will receive comprehensive information that takes into account all the factors of creating a business, as well as the business development strategy. Cooperation with global brands allows a businessman to use their successful experience for his own development in his chosen field.

To purchase a franchise and start a business you will have to spend not less than 300,000 -400,000 rubles . The most popular brands require a deposit of several million rubles.

The following indicators are included in the cost:

franchise cost;
expenses for starting your own business;
deductions from profits that will have to be made every month.

Method No. 3. Investments in startups

Today investments in various startups represent one of the most profitable investment options in Europe and America. These regions have an actively developed investment culture. That is why aspiring businessmen present their own ideas to the general public. This is how they find potential investors.

Investing in a startup - not only a very profitable investment, but also quite risky. Today, a huge number of young people want to implement their own ideas, which require a significant investment of capital. However, not all of them understand how to properly organize and run a business to make a profit.. This is largely the main risk associated with investing in startups.

It is important to understand that there is no startup culture in our country today. Therefore, for such investments it is better to choose foreign projects, as they are less risky. However, if an investor does not understand all the nuances of doing business in a certain country, then there is no guarantee that the chosen project will bring profit.

Although the risk of investing in startups is quite high, the rewards from them can also be huge. Investors who choose the right investment project increase their capital hundreds of times.

Method number 4. Transfer of capital into trust management

Trust management – a service that appeared on the financial market relatively recently. Today it is provided by a huge number of companies: banks, and specialized centers And organizations.

The essence of trust management is that the investor transfers his money to a specific company that provides the service in question and has already achieved success in a specific area.

Most often, trust management is carried out by companies operating on the stock exchange. They need to increase the capital invested in trading. This helps such companies reduce trading risks. Moreover, part of the profit received from the investor’s capital is paid to him in the form commissions .

!!! Not worth trusting money for individual entrepreneurs, as well as small traders. In most cases, such market participants lack experience and professionalism. They are not able to earn money on their own and therefore strive with all their might to attract other people’s money.

Method No. 5. Investments in real estate

Experts do not understand why they still remain popular in our country. In fact, they are quite illiquid and not very profitable(last time).

Today, income from investing money in real estate as a percentage exceeds deposit rates by only 3 -4 point. At the same time, the liquidity of objects in most cases is at a very low↓ level.

Despite the serious disadvantages of investing in real estate, most people whose free capital exceeds 1 million rubles , continue to invest money in this area.

Real estate as an investment object is good only because it is stable. However, recently, most investment instruments have been growing in price much more rapidly than real estate.

Moreover, some real estate in Russia has fallen in price in recent years. Of course, in the largest metropolitan areas, real estate is still quite expensive. However, its price stubbornly refuses to rise.

✏ As an exception, one could name the Moscow region. It is constantly expanding, so it is of investment interest. However, here too everything is not so simple: to guess which areas will bring profit , and which ones – lesion it can be difficult.

In fact, investing in real estate located in Russia is suitable for owners of fairly large capital who want to secure not very high, but stable income . The average payback period for such investments is 5 -10 years .

For more information about investing in real estate, watch the video:

If the investor’s goal is to obtain a stable high income, experts advise investing in real estate located in Eastern or Western Europe. In the countries of these regions, the cost of such property is growing more dynamically than in Russia. This is due to the large influx of emigrants to the states located here.

Method number 6. Purchasing unique art objects

In the end, we will present the most controversial, but no less interesting way of investing - purchasing unique art objects .

On the one side, everything is quite simple here - you need to purchase works of famous artists, sculptors, and other artists. After that, all that remains is to sell them at a higher price to collectors.
On the other side , it's not that simple here. To determine the real value of an exhibit in terms of investment attractiveness, special education is required. If you don’t have it, you will have to consult with specialists until you gain serious experience.

In fact, capital in 1000000 (million) rubles provides investors with a fairly wide choice. For investments to be successful, it is important to choose those options in which you have at least minimal knowledge.

To make it easier to compare the investment methods described above, we have combined their main features in the table below.

No. Investment method	Key Features	Profitability	Risk level
No. 1 Acquisition of an existing business	It is important to conduct a preliminary check of the investment object	Depends on the success of the purchased business	Average
No. 2 Organization of a franchise business	There is no need to develop the concept yourself	Depends on the purchased franchise	With the right choice, low
#3 Investments in startups	Poorly developed in Russia	You can increase your invested capital hundreds of times in a short time	Huge
No. 4 Trust management	It is important to transfer money to a reliable manager	Depends on the chosen company	With the right choice of manager - average
#5 Real Estate Investments	It is better to invest money in foreign real estate	Low	Low
No. 6 Art objects	Requires special education or specialist assistance	If the acquisition is successful, there may be a high	Average

See also video:

5. Where can I invest 10 million (million) rubles? 🔎💸💰

Question, what investment method to use if you have capital in the amount of 10 million rubles , can appear for both experienced and novice investors. This is explained by the fact that you can get maximum income from capital only if you choose the right investment object. On the other side, if an investor has such a large amount, it means that he most likely already has the necessary skills.

☝ Subject to availability 10 million rubles opens up for the investor widest list of investment options. But experts recommend do not use only one way to invest. To diversify risks, it is much better to divide your capital into parts and try to invest them in several different areas.

To receive a stable income, first of all you should open Bank deposit . Despite the fact that the profit from this option is small, the deposit can become serious financial cushion . In case of problems with another investment option, such income may cover the resulting loss.

A fairly logical option for investing if you have several million rubles is construction (projects under construction) . In this case, the investor purchases commercial or residential real estate, which at the time of purchase is in the first stages of construction. In most cases, prices are at their lowest at this time. Subsequently, as construction progresses, the value of real estate continuously increases.

For an investor, choosing the right moment of purchase is of particular importance. It is important that the property is still inexpensive, but potential clients are already interested in it. In this case, approximately 6 -12 months, it will be possible not only to return the invested funds, but also to make a profit in the amount of about 20 %.

If you want to get more from investments in construction, you can wait until the infrastructure of the area is developed and only then sell the property. At the same time, in order to start earning money earlier, the property can be rented out.

High net worth owners may also consider investing in business .

various catering companies;
food production;
specialized production;
service companies;
opening of children's attractions in a park or shopping center.

If an investor cannot create a business on his own, he can purchase a ready-made business. At the same time, in addition to purchasing everything that is necessary for running a business, a customer base is acquired, as well as all supplier contacts.

Another popular way to start your own business is acquisition of a franchise . In this case, a businessman buys the right to use a popular brand in his activities. The franchise buyer receives assistance in creating and organizing his own business. In addition, he will be supported by the franchise owner.

If you have a large enough capital, you can purchase a very well-known franchise. The most popular in this area today are catering companies (For example , KFC , McDonald's ), and various children's stores (Child's world , Hippo ). If you decide to create a franchise business, it is important to analyze the available niches in your city and hurry to occupy them.

Capital amount 10 million rubles allows the investor to significantly reduce ↓ risks due to their diversification . At the same time, it is important to select investment options that will not only be profitable, but will also be interesting and known to the owner of the funds.

Poll: Where is the best place to invest money?

Experts say that money should work. For this reason, a person with a large sum should think about where to invest 1,000,000 rubles to earn money? There are many ways to increase capital. They all have different levels of risk and return. To choose the appropriate method for increasing money, a person must carefully study each available method.

How to invest correctly

If a person can figure out where to invest a million rubles to earn money, he can ensure a comfortable life for himself for several years to come. The amount is quite enough for the profit from its use to completely cover current expenses. Large investments allow you to earn high interest rates.

Selecting an investment object is a responsible process that must be approached carefully. There is no need to transfer all funds to one organization - this is fraught with a possible loss of capital. The amount must be divided into several parts and invested in the activities of different companies. There are a number of other rules that should be followed when making capital transactions:

Identify the risk-to-return ratio. Investing money involves risks. An investment in which the amount of profit greatly exceeds the probability of capital loss is considered profitable.
You can only invest free capital. There is no need to use funds for investment that were intended to pay for monthly needs. By performing such an operation, a person risks finding himself in an unpleasant situation.
Investment decisions should not be dictated by emotions or intuition. To take action with capital, you need to analyze the current situation. A reasonable approach guarantees stable profits.
Engage consultants. A professional’s opinion on a controversial issue will allow you to make the right decision.
Decisions should not be made under pressure. A person must listen to the opinions of others, but all decisions must be made independently.

To invest wisely, a person must decide in advance the purpose of the investment. The conditions for the transaction and the choice of object for transferring funds depend on it.

Bank deposits

Transferring money to the bank is a classic scheme for making money on investments. A person who decides to start cooperation with a credit institution must be prepared in advance to transfer funds for a long period. To understand the principle of operation of the method, you do not need to have specific knowledge in the field of finance. By investing money, a person gives the bank the opportunity to manage it for a certain period of time. The credit institution may use the amount to issue a loan to the consumer. Part of the interest from the transaction is sent to pay income to the owner of the deposit, and part remains in the bank.

In order for the deposit to bring significant income, you need to choose a tariff that implies capitalization of interest. In this case, the income accrued on the deposit will be added to the total deposit amount. Interest for the following periods will be calculated taking into account capitalization. As a result, the user will be able to receive income that will be significantly higher than with monthly withdrawals or payment of money to a separate account.

When making a deposit for a long period, a person must be prepared that in the event of early withdrawal of funds, the bank will greatly reduce the user’s income.

Real estate transactions

Real estate is always in high demand, because having housing is one of the basic human needs. The cost of an apartment in small towns starts from 500,000 rubles. You can make money on real estate:

renting out housing;
doing resale.

If the owner of the capital purchased an apartment and decided to rent it out, he will be able to receive monthly passive income. Rights to real estate are not transferred. Its value on the market is gradually increasing. If necessary, the apartment can be sold at any time. The owner's income will consist of the rental price and the difference between the purchase and sale prices.

There are a number of other ways to earn income from real estate. These include:

purchasing an apartment at a low price and selling it after a period of time at a higher price;
purchasing emergency housing, carrying out repairs and selling real estate at a cost that exceeds the cost of acquisition and restoration;
acquisition of real estate at the construction stage and further sale at a higher price.

Despite a number of advantages, housing transactions also have negative sides. During economic downturns, property values decrease significantly. The property owner will not be able to receive income. In order not to lose profit, you need to wait out the period. You can make money during recessions by renting out your home.

Starting a business

If a person is looking for the most profitable way to invest 1,000,000 rubles, he should think about starting his own business. If the business is successful, within 1 year the owner of the capital will be able to increase the amount of start-up funds several times.

However there is a danger of creating a failed enterprise. Practice shows that 90% of unprofitable organizations became unprofitable at the startup stage. To minimize risks, it is necessary to start a business in an area in which a person feels like an expert. The chances of successful promotion will increase significantly.

Today, the current directions for starting your own business are:

Creation of a car wash. Despite the large number of car services, vehicle owners often have to stand in line to use the services. The number of vehicles is constantly growing. For this reason, starting your own business in this area will be a successful investment if the company is properly organized.
Opening of a mini-hotel. The proposal will be popular in large cities where the problem of affordable housing for visitors is pressing. If a person creates a business in the middle price category, he will be able to recoup the investment in 3-6 months.
Organization of a small bakery. The demand for bakery products is always at a high level. An entrepreneur can organize not only the sale of bread, but also make cakes to order. Personalized or shaped baked goods have a high price and are in demand. If a person is able to establish distribution channels, the profitability of the enterprise can reach 100%.
Creation of an online store. The World Wide Web is one of the most profitable places where a person can start his own business. Business does not require large investments. With 1,000,000 rubles, a person can create a store and fill it with popular goods.

Regardless of the chosen method, investments in your own business must be treated wisely. There is a risk of burning out. However, the profitability of the method is many times higher than others.

Investments in precious metals

If the owner of funds invests in gold, he can count on annual investment growth in the amount of 5-10%. Metals are not subject to aging and corrosion. For this reason, they will be able to reliably preserve and increase the owner’s funds.

Gold mining in Russia

There are several types of deposits:

purchasing gold bullion;
acquisition of shares in enterprises specializing in the extraction of precious metals;
opening a gold deposit in a bank;
purchasing coins.

The most interesting investment is investing in a gold bank account. The method of earning money is similar to a classic deposit. The difference is that a person does not simply transfer money to a credit institution, but acquires virtual gold. He won't be able to get his hands on the metal. However, the size of the investment changes with the price of gold. The account holder will be able to carry out transactions with metals depending on the situation on the market.

Investments can bring high returns. However, a person must understand the processes that affect the cost of metal and be able to predict price changes.

Acquisition of shares of foreign companies

If a person decides to start cooperation with foreign companies, he will be able to receive up to 60% per annum. However, there is a risk of losing your investment. To reduce it, a person must hire a specialist. He will select a suitable company for deposits and carry out all operations independently. However, professionals require a portion of the profits from the operation.

Today, organizations that are promising for deposits are:

Tokyo Investment Company;
ShareInStock;
Malta Private Investment.

An entrepreneur must differentiate capital and make investments in different niches. This will increase your profit margin and reduce the risk of losing money.

Where not to invest

Not all investment properties are equally profitable. Experts do not recommend investing in:

cars;
currency.

Today, cars are rapidly becoming cheaper. Experts say that the means of transportation will soon become available to everyone. For this reason, you should not purchase vehicles for the purpose of making money. An exception may be creating a delivery or taxi business.

Investments in currency can bring significant profits. However, there is a high risk of losing money. Due to the current situation in the foreign exchange market, experts do not advise making transactions with foreign currency in order to make money. If a person nevertheless decides to invest in funds from another country, he should carefully analyze the expected exchange rate movement.

Good afternoon, dear reader. We continue to consider the topic of investment. The new year 2019 is already upon us and today, following the analysis of investment instruments for investing 100, 300 and 500 thousand rubles, we will consider where to invest 1 million rubles in order to earn money in the coming year.

Naturally, this amount, which can be considered quite significant, opens up great prospects for the investor and if managed correctly, it can be increased over the course of a year. How long? It depends on you. In this article we will try to give you as much useful information as possible to make a decision.

Investing in real estate: is it worth the candle?

When thinking about where it is better to invest a million rubles, the first thing that comes to mind is investing in real estate, which has already become a kind of classic. But it's not that simple.

Yes, this type of investment can be considered reliable, because... here is the office/apartment/garage in front of you, it’s not going anywhere. Know yourself, rent it out, slowly recouping the initial deposit. Or you can wait for it to increase in value over time and resell it.

But, in the first case, your contribution will be repaid for at least 10 years, and only after that you will be able to receive a net profit. And even that is not a fact, because After this time, your property may be completely unclaimed.

Let's calculate what you can get by investing 1,000,000 rubles in the purchase of, say, a small office, which in the future is planned to be rented out for 10,000 rubles a month. Let’s not even take into account the fact that real estate in our country is often sold in such a state that without repairs, at least cosmetic ones, it would be a shame to show it, let alone rent it out.

So, the office will bring you 10 x 12 = 120,000 rubles per year. Including personal income tax – 104,400 ~ 105,000 rubles. How long will it take for your investment to pay off? In 10 years, during which you will have to look for tenants, carry out repairs, worry about the safety of your asset, etc. The prospect, frankly speaking, is not very rosy.

The second option is to resell at a higher price. But all is not well here either. The fact is that the real estate market in Russia is falling every year, and quite significantly.

Real estate, no matter residential, public, commercial, etc. are not sold at their actual value. They are bought from individuals only at a discount, which today is about 25%.

Imagine how much your property would have to rise in value in order for its resale price to even equal the cost of the original purchase, not to mention the profit. And in general, all this time while it is idle, you will not receive a profit.

Therefore, when thinking about where to invest a million rubles in 2019, you shouldn’t stop at investing in real estate.

Bank deposits as an option for investing millions.

Also kind of a classic. Despite the fact that investing money in a bank at interest cannot be called a full-fledged investment, citizens of our country actively brought their money to banks, under the pretext of protecting them from inflation.

This was the case until the present time, when rising inflation and a reduction in the interest rate by the Central Bank of the country made bank deposits a practically useless means of investment.

Judge for yourself: the official inflation rate in Russia for 2018 was set at 3-4%. At the same time, the average deposit in a commercial bank brings its owner 6-8% per year. Those. the purchasing power of money after it is passed through a deposit does not increase one iota. In most cases it even decreases.

And money, especially serious money, must work. So it’s also better to discard the option of investing in deposits for now. Fortunately, there are more acceptable options, let's consider them.

Blue Chip Investments

I have already told you more than once what blue chips are, i.e. shares of the world's largest companies, with billion-dollar turnover and branches around the world, and also gave arguments in their favor.

Now I’ll just say that transnational companies are often indifferent to all crises, recessions, etc. The demand for their products, which are advanced all over the world, has been and will always be. I’m talking now about well-known organizations like Nestle, Coca-Cola, Facebook, Google, I could go on for a long time.

The annual turnover of any Microsoft is several times higher than the budget of a developing country, and its shares will probably never depreciate. And profit in the form of dividends will be a faithful companion to everyone who invests money in it.

It is difficult to say how much the blue chip investor's profit is, but it is certain that it is disproportionately greater than the income on bank deposits. And the abundance of both foreign ones makes it possible to assemble a good, diversified investment portfolio from them.

Investing in PAMM accounts: is it possible to earn money?

Despite the fact that I have already mentioned PAMM accounts when talking about smaller amounts, when it comes to a million or more, they do not lose their relevance.

Based on the calculation that an average, not too aggressive PAMM account per year, an investment in it is 1,000,000 rubles. promises extremely great prospects. Yes, the degree of risk here will be an order of magnitude higher than with previous instruments. But, if you are not afraid to take risks, then a PAMM account can become a real Eldorado for you.

For example, how do you like this account:

The degree of aggressiveness is below average, and the profitability exceeds 400%. Four hundred percent per year of work! Can you imagine what a million invested at the beginning of the investment period would turn into? Investors understand this, which is why the amount of funds invested in this account exceeds $400,000.

There are more impressive numbers here. For example, an account in which two and a half million dollars are invested.

The widest selection of PAMM accounts for every taste is offered by the company, the number of active accounts of which reaches almost three thousand.

Trust management is a risky but profitable way to invest 1 million rubles.

A very serious product, for serious people. We are talking here about the trust management of capital on the stock market from the company.

Again, I will not repeat now what trust management is in principle, you can read about it. And I’ll just say that this instrument involves investing money in a ready-made, diversified hedge fund, consisting of a variety of assets and strategies.

The portfolio structure differs depending on the chosen strategy, but all of them are united by high reliability and profitability at the level of 20-30% per annum.

Investments in shares and OFZ? Also an option!

Investments in the stock market and securities of large companies have always been considered one of the most profitable options where it is profitable to invest 2 million rubles, one million, etc.

And speaking of large sums, when the foreground is not even profitability, but the reliability of investments, I would like to especially focus on.

The issuer of this type of securities is not just anyone, but the Russian Federation itself, represented by the Ministry of Finance. And the guarantor of the fulfillment of debt obligations to investors here is the Central Bank of the country.

OFZ is the most reliable instrument, the risks of investing in which are almost zero. Because The state itself will not disappear anywhere. And with the money in it, you not only invest in the Russian economy, but also provide yourself with a good return of 10-15% per annum.

Due to their advantages, more than one article on our website has been devoted to federal loan bonds. For example, you can read about their profitability in 2018 and prospects for 2019. And, I must tell you that those who, thinking about where to invest a million rubles in 2019, chose OFZ, did not regret it, earning good money.

Moreover, last year was a crisis year, and now the economy is beginning to recover little by little, as confirmed by the Central Bank, summarizing the reduction in key rates.

This option, OFZ, is perhaps the best option not only for where to invest 1 million rubles to earn money, but also where to invest 10 million rubles. Fortunately, they have all the data for this.

So think about it, it’s up to you and only you. Well, that’s all for now, see you again.

Best regards, Alexander Ivanov

Many of our compatriots, when asked how much money they need to be happy, answer without hesitation: “One million rubles.” Well, this is a large amount and can really make a person happier.

But where can it be spent? Different people think differently, and their answers will be correspondingly different. But the main directions can be called:

buy a car;

build a house;

quit your job and never work;

put it on deposit and live off the interest.

All of these options are, of course, good. But the more money a person has, the more difficult it is for him to part with it. And soon, having bought what you want, a more advanced model will be desired.

The option of investing all your funds on a deposit is also not entirely correct, since all the money will depend on the bank, which may “burst” the next day. In addition, the interest rates that banks offer on deposits can only barely cover the level of inflation in the country. How to be?

Looking for the right answer

For those people who have the spirit of an entrepreneur and are looking for the right answer to the question of where to invest 1,000,000 rubles to earn money, the ideal option would be to open their own business or invest in someone else’s business. But not everyone is able to do this, and especially competently build a working scheme according to which the invested funds will not only pay off, but also bring enviable income.

In this article we will try to answer the question of where to invest 1,000,000 rubles to make money by analyzing the current situation in the economy and the best business ideas of our time.

If you think that you need to ask yourself such questions only after you have actually earned that amount of money, then you are deluding yourself. You should always set a goal and imagine what you will do when you achieve it. After all, making a fortune is a thankless task and requires a lot of effort. And managing your earnings correctly is even more difficult.

Don’t know where to invest 1,000,000 rubles? The top business ideas below will help you make your choice.

Making money from trash

If just yesterday garbage was a panacea in developed countries, today waste recycling is one of the most developing areas of business.

While entrepreneurs from other areas complain about the lack of raw materials, in this case there will always be some kind of garbage that can be recycled and get a lot of money for it.

This is facilitated by the constant development of technology, which makes it possible to make something worthwhile even from ashes. Science makes it possible to use various waste elements even to create biologically clean fuel. This is the future.

In addition, recycling, for example, glass or metal allows the material to be used again. This means that such waste can be processed an infinite number of times.

Profitable investment

Of course, in search of a place where to invest 1,000,000 rubles to earn money, you definitely need to turn your attention to waste recycling. Opening such a business will require a lot of money, but this amount is quite enough if you manage your money prudently.

The main tasks will be the purchase of special equipment and the establishment of transport links with the source of raw materials and end consumers of the processed product.

Do you consider this business unaesthetic and do not want to work with garbage? Remember: Although with modern technology everything looks much better than before.

Mobile cafe

Are you looking for where to invest 1,000,000 rubles to earn money, but want something that is not as costly and risky as the previous one? A mobile cafe on wheels may be your answer. All you need is a converted van and a little imagination in its design.

Let's talk about statistics right away: out of ten new cafes or restaurants opened a year, about 8-9 close. If we talk about a mobile cafe, then such cases are only 20%. Experts say that this new thing appeals to people, and also helps its owners avoid many of the risks that exist in the restaurant business. Your “feeder” will not be tied to the same place, where a cafeteria that opens next door will steal some of the customers.

In addition, your cafe may move to a place where some holidays are being held at the moment and, accordingly, there is a large flow of people. Perhaps mobile coffee is one of the best answers to the question of where to invest 1 million rubles in order to make a profit.

If you manage to come up with some challenging idea, theme and cuisine in your establishment, and also open several such points, thereby covering large areas, then you will start making money very soon.

And you will find very few competitors, since this type of business in the Russian Federation is only in its infancy, which makes it even more attractive. However, experts say that in 2-3 years a wave of mobile coffee shops will already fill large and medium-sized cities in Russia.

Not new, but changing its shape vending business

Unfamiliar word? Remember the machines with carbonated water back in the distant times of the Soviet Union. The essence of the vending business is the placement of automatic machines that are capable of serving passers-by in one area or another.

Despite the fact that this type of business appeared in Europe in the 17th century, in the Russian Federation it is developed rather poorly and is mainly focused around coffee and shoe covers. The full potential of this type of service has not been fully realized.

A new trend is vending machines with healthy food. Yes, you won't believe it! Coca-Cola and chips, which you can buy by throwing a coin into a machine, are a thing of the past. The modern world cares about its health.

Imagine a network of special machines that help people eat healthy and healthy. Considering that low-quality goods containing GMOs, preservatives and other harmful additives are increasingly appearing in stores today, your business will flourish.

Install at least 5 devices

If you like this type of business and, when choosing rubles (1,000,000 rubles), you decided on vending, then consider the following nuances. Beginners always think that by placing 1 machine in a crowded place, they can make money. This is a misconception.

For payback within 1-1.5 years, experts advise installing at least 5-6 machines. Of course, places with large crowds of people are important for business, but you need to choose them so that this crowd is interested in your products. That is, passers-by must want to use such a machine. It follows from this that in wealthy areas and private sectors the placement of devices will be inappropriate.

They should be located near and in business centers where mid-level personnel work. There should also be places nearby where you can exchange or withdraw money from your card to pay for the machine’s services.

Particular attention should be paid to the performance of the machines: if the client gives his money at least once, and the mechanism does not give him the desired product, then the person will never come to this place to buy again, having painted it in all colors in front of his relatives and friends.

Perhaps you shouldn’t give up the idea of investing in a bank?

The above ways to make money with your money are definitely good. They are based on the example of outstanding people who were able to earn their ideas not only for bread, but also for an entire kingdom.

But if you don’t like them and you are still looking for how to profitably invest 1 million rubles to earn money, consider the deposit offers of banks. Of course, this must be done wisely. But if you skillfully place your funds in financial institutions, you can earn money while minimizing all risks. Let's look at how to do this below.

Spread your money across multiple financial institutions

Never deposit all your money in one bank. In this case, you risk being left without funds too much. Experts advise dividing your finances into several parts (preferably at least 5) and, after analyzing market conditions, place them on deposits in different banks.

Moreover, the bulk of the money should be placed in financial institutions with a worldwide reputation or national (state) status. Other commercial banks are much more often exposed to the risks of bankruptcy.

For convenience, issue a plastic card to which interest will be transferred monthly or at the end of the deposit period. This method will not bring you super profits, but it will keep your money safe and allow you to earn at least a small but necessary penny.

There are many more ideas

If you are thinking about where to invest a million rubles (1,000,000), the various ideas given above will certainly come in handy. However, don't despair if you haven't found a suitable option.

In fact, there are quite a lot of sensible thoughts and business plans. Alternatively, try to learn from the experience of foreign countries, where the level of services, services and goods is superior to domestic ones. After all, if there is something not yet in the country, then either no one knows about it, or others have not yet had time to adopt the basics of business.