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 (for example, 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 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 minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important 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 receive much more than regular 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! 😀

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

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. If anything changes, I will immediately update the information in the article.

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.

Now let’s look separately at each of the options where you can invest your money.

Option #1: Bank deposits/savings accounts

DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia annual interest rate their average is from 4% 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 larger initial capital, you can work with large stock brokers (for example Finam and BCS), which also provide various trust management strategies.

✅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. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. 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 big banks invest their money? 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. Only large companies and states can act as borrowers.

☝️ 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 bank deposits currently available. 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 a 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 trading strategies on 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 ready 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 in 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 a 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:
(+ ) The 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 minimum investment or completely 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 HYIPs 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 is an investment 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!

Where to invest 100 thousand rubles: analysis of the rationality of investing small funds + 3 promising options for investing money.

If you own some kind of monetary capital, then sooner or later you will think about the possibility of investing existing material resources, say, to obtain additional profit.

There are many options, which vary depending on the goal that you are pursuing. We’ll talk about how to invest one hundred thousand profitably and with maximum benefit for yourself in this article.

Is investing 100 thousand rubles promising?

How to properly manage the available capital is a responsible question. Many still prefer not to invest their rubles anywhere, keeping them as a “nest egg”.

But with even such a small amount as 100 thousand rubles, you can increase your profit and succeed in life, if only you know how to invest your savings wisely.

to get the return:

Invest in yourself, in expanding your own knowledge and horizons.

• Firstly, an amount of one hundred thousand is enough to comprehensively check your health and take care of it. You can spend this money on carrying out the necessary examinations, or on a gym membership.
• Perhaps you have long wanted to change your image? Investing one hundred thousand in yourself is a smart decision! Maintaining your health, both physical and psychological, is important.
• One hundred thousand rubles is also a sufficient amount to improve your skills or succeed in an area in which you lack knowledge. In this case, this money can be used to pay for courses or trainings. Such a decision will in any case benefit you in life.

Invest in generating passive income.

This type of cash investment includes: bank deposits, mutual funds, purchase of shares and bonds. Whichever of the above you choose, you will end up with additional income with a minimum of effort.

Invest in creating your own business.

At first glance, it may seem that one hundred thousand is too small an amount to start your own business. But this is not at all true... Creating a small business often does not require large financial investments.

Let us consider in detail each of the options where to invest 100 thousand rubles, and discuss the pros and cons of these investments.

Option #1. Invest 100 thousand rubles in yourself

When people talk about investing money in themselves, they usually mean long-term “return.” Let's take a closer look at a few specific ideas where you can invest this bunch of rubles to your advantage.

1. Invest in acquiring additional knowledge and skills.

If you have an amount of one hundred thousand rubles, you can invest these funds to obtain additional education.

What goals can be achieved if you invest 100 thousand rubles in your education:

Broaden your horizons.

Perhaps there are areas in which you would like to gain more knowledge, but there was no suitable opportunity?

Gain additional skills to advance your career.

It happens that in order to get a promotion at work, people do not have enough knowledge of a foreign language or their insufficient level of computer use is hampered. You can take English or French courses and get the desired salary increase.

Gain knowledge in the area in which you would like to work in the future.

If everything is clear with the first two points, then we will consider the last point in more detail.

With one hundred thousand rubles, you can easily get an education in the following areas:

• hairdressing art,
• makeup,
• manicure and pedicure,
• sewing,
• Interior design.

At the same time, this amount will be enough not only to obtain an education and a corresponding diploma, but also to invest in the purchase of the necessary materials to get started:

Thus, if you invest 100 thousand rubles in this, you can completely change your field of activity, succeed in it and receive a solid income.

2. Invest one hundred thousand in purchasing expensive devices for work.

This option, in which you can invest your hard-earned rubles, will probably interest you if:

• Lack of necessary gadgets hinders your progress in the work field.
• You cannot fully monitor the situation in the world or country; you want to expand your horizons and always “be in the know.”
• The acquisition of modern technical devices is necessary for status.

If any of the above problems are familiar to you, you can safely spend the available amount of one hundred thousand rubles to achieve the necessary goals.

3. Invest money in keeping yourself in shape.

Although at first glance this investment option seems useless, it is worth taking a closer look at it.

It is worth investing your 100 thousand rubles in this way in this case:

You have long wanted to examine your health.

Thanks to this, you will keep your health strong for a long time. This means that you will work more productively, get sick less often, and reduce the risk of investing the same money in the purchase of medicines and operations in the future.

I have long dreamed of going to the gym.

Buy a gym membership - this way you will get your body in order, and add activity and creativity to yourself.

We wanted to change our image and wardrobe.

In order to become successful, you just need to look neat. You might want to change your haircut or add some colorful suits to your closet.

Whatever option you choose, remember: it's never too late to change something in your life and try something new.

These examples only confirm this truth:

The idea of ​​investing 100 thousand rubles in yourself and your interests will never become unjustified, but, on the contrary, will help you become a successful person.

Option #2. Invest 100 thousand rubles to receive passive income

Don’t want to keep your material savings at home, namely one hundred thousand rubles, but at the same time don’t mind receiving additional profit for using them by third parties? This means that this option of investing 100 thousand will suit you.

The most rational options where you can invest 100 thousand rubles to make a profit:

• Bank deposit.
• Mutual investment fund (UIF).
• Valuable metals.
• Purchase of shares.

Let's carry out detailed review each option in order to invest one hundred thousand.

1. Bank deposit.

This idea of ​​where to invest rubles or foreign currency is the most popular. Most people believe that investing one hundred thousand rubles in is a win-win and reliable option.

In fact, this is really the right decision, since the thousands of rubles that you decided to invest are in the bank. So you don't need to worry about them. In addition, you will receive additional amount for the use of your funds.

But this option to invest your rubles also has many disadvantages:

• Low interest rate - on average from 8% to 10%.
• Inability to withdraw your deposit before the expiration of the contract.
• You could lose your deposit if the bank closes.

Whether to deposit money or not is a personal matter.

But if you decide to do this, consider all the nuances:

• Decide on the deposit currency - find out in which currency it is best to make a deposit.
• Do not look for a bank with the highest interest rate - there is a great risk of losing your thousands of rubles.
• Specify the scheme of accrual and payments for the deposit.

The list of the most reliable banks in Russia, where you can safely invest 100 thousand, includes:

2. Mutual investment fund.

The idea of ​​investing money in mutual funds has become very popular today. What is a mutual fund?

Mutual funds- these are funds that form their property from investments of investors (in other words, shareholders), and with the help management company manage this capital.

That is, you become the owner of part of the property that makes up the share.

Reasons why this option to invest rubles is gaining popularity:

• Minimum investment– you can invest with 1 thousand rubles or more.
• No risk– mutual funds are controlled at the proper level by the state.
• Money back - you can get your investment back at any time.

But this method also has its drawback - you need to be able to choose the right one unit trust to invest your capital, as there is a risk of losing your investment.

3. Valuable metals.

Many people “the old fashioned way” prefer the option of investing their thousands in precious metals. This is a currency that will not depreciate, but at the same time directly depends on the price of the metal on the world market.

And this market has one interesting feature - prices for precious metals are constantly rising. However, only in the long term investment perspective.

The following metals are considered to be the most profitable to invest your rubles in:

Despite the reliability of the idea of ​​​​investing 100 thousand rubles in precious metals, do not forget about the disadvantages:

• Keeping gold or other bullion at home is quite risky.
• It is expensive to deposit precious metals in a bank.
• No one can accurately predict the future price of the precious metal.

The easiest way to invest one hundred thousand in gold bars is to purchase the one that suits you at Sberbank: https://www.sberbank.ru/ru/person/contributions/values/metall

4. Purchase of shares.

This way of investing your capital is also very popular. But you need to understand that investing one hundred thousand rubles in profitable stocks is not an easy task. Here you need to either rely on your own luck, or entrust the selection of papers to a good specialist.

Many also advise buying shares of companies that have proven themselves in the market and whose services you use yourself.

In itself, a share is a security that, roughly speaking, gives you the right to own part of an enterprise. Based on the profit received, the company will pay you dividends.

This is one of the disadvantages of buying shares - the amount of your income will not be stable.

Shares are usually bought and sold on stock exchanges, so before you invest your hundred thousand rubles, you will have to thoroughly study the market and monitor quotes.

Never rush when buying shares - weigh the pros and cons!

These are the most basic ideas where you can invest 100 thousand rubles to receive passive income. Do not forget to think through every step in this matter so as not to lose your money.

Option #3. We invest 100 thousand rubles in creating our own business

This option to invest one hundred thousand is undoubtedly relevant, since every year the number of entrepreneurs who want to work for themselves increases.

To organize a successful enterprise, the available amount - 100 thousand rubles - will be enough. Such an investment is always advisable because it will help you reach a completely new level of living.

Let's discuss promising business ideas, for the implementation of which 100 thousand rubles will be enough.

Business idea No. 1. Organization and holding of events.

An amount of 100 thousand rubles is enough for you not only to launch such a project, but also to promote it.

The idea has long been tested and is very popular today. This is due to the fact that people have recently preferred to entrust the organization of important events in their lives to professionals.

By implementing such a business idea, you can provide the following services:

• Determining the format of the celebration– you help the customer figure out what the scope of the proposed holiday will be.
• Determining the location of the event– looking for a suitable establishment with an acceptable price policy.
• Carrying out the holiday itself– services of toastmaster, presenter.
• Room decor - you can decorate banquet halls, prepare arches for the ceremonial painting of newlyweds, decorate children's parties.

Rent of decor, costumes.

As you can see, the list of services that can bring profit is quite extensive. You can provide all of them or just some.

Here it is worth considering the geography of your business. If you are going to organize it in a small town, provide maximum services. But if you plan to develop this idea in a big city, choose a narrow specialization.

Let's consider a plan for the step-by-step organization of such a business:

You can host and organize a variety of events:

• children holidays,
• weddings
• Birthday,
• corporate events,
• surprise parties

This business idea is not difficult to implement, and also not expensive. This is a good way to invest your hundred thousand rubles.

Business idea No. 2. Opening of a children's hairdresser.

Another idea that is at the peak of popularity. To create such a business, an amount of one hundred thousand rubles is quite enough.

Today, almost all ideas that are somehow related to children turn out to be profitable. And the children's hairdresser is no exception.

In order to organize such a business, you will need to invest one hundred thousand in the following expense items:

1. Rent the premises in which the hairdressing salon will actually be located.
2. Arrange it so that it looks exactly like a children's salon.
3. Purchase the necessary equipment and tools.
4. Conduct an advertising campaign.

In order for investments in such a business project to pay off faster, you can expand the range of services:

It's almost impossible to fail in a business like this.

You just need to position the product correctly and take into account small nuances:

• It is best to organize a children's hairdresser in large shopping centers or (if we are not talking about small towns).
• The room needs to be decorated in such a way that children want to come there.
• It is worth hiring only qualified specialists for work, because working with children requires patience and accuracy.
• Create your own website where you will inform people about your salon’s services and prices.
• Don't forget about small gifts for young guests.

If you invest the first hundred thousand rubles in this business correctly, then in a few years you can organize a whole network of children's beauty salons.

Business idea No. 3. Sales of tropical fruits.

At first glance, it seems that it is impossible to organize such a business idea with a starting capital of one hundred thousand rubles, but this is not so. In fact, the demand for such fruits is quite high, but their supply in supermarkets is very small.

This is due to the fact that large supermarket chains, as a rule, are afraid to purchase large wholesale quantities of exotic fruits, since this is a considerable risk. The fruit may not be sold on time and the store will suffer significant losses.

You don’t need to buy goods from large enterprises at all. Contact suppliers who are willing to sell you small quantities of fruit. You can even find compatriots living, say, in Thailand for cooperation.

You can succeed in this business in this way:

• Sell ​​fruits at retail by pre-order.
• Form gift boxes from exotic fruits - now such baskets and bouquets are incredibly popular.
• Organize tropical fruit fairs.

In any case, to organize such a business, you need your own website. While your profit is small, you can create it yourself on a free platform.

The free website creation platform UCoz is very popular:

This idea, of course, requires a lot of effort to implement. But with skillful promotion, it will definitely turn out to be profitable, and you will be able to invest your hundred thousand rubles wisely.

You have 100 thousand rubles and you don’t know where to invest them?

Business idea No. 4. Earning money from vending machines.

You don't see anyone with a vending machine these days. However, the idea of ​​investing money in this branch of business is still popular.

To buy one machine, you will need from 7 thousand rubles. But making money on one device will be quite problematic. Therefore, if your starting capital is one hundred thousand rubles, it is better to invest it in the purchase of several installations at once.

Such machines are used to sell various products:

• chilled drinks,
• tea and coffee,
• snack products,
• chewing gum,
• newspapers and magazines.

Sales of flowers and French fries have also become new directions in the industry.

The chart below shows which vending machines are the most popular:

It is necessary to place vending machines in crowded places and, of course, based on the goods that will be sold in them.

Suitable locations for the location of vending machines are:

• shopping centers,
• educational institutions,
• public transport stops,
• office centers,
• hospitals,
• parks, zoos, establishments with attractions.

Before purchasing a vending machine, decide on where it will be installed. And then think about which machine will be most relevant there.

If you carefully calculate and organize everything, such a business will pay off within 12 months.

We looked at the 10 surest options, where to invest 100 thousand rubles, depending on what you want to get out of investing this money.

Whatever your initial capital, money should generate income or help make dreams come true.

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The best options for where to invest 100,000 rubles in order to make money and not go broke. How to invest correctly to receive monthly income? The answers are here⏬.

The main difference between poor people and rich people is that the former work for money - they earn, spend, and so on in a circle. And the latter know how to make money work for them - they earn money, spend some of it, and invest some of it (at first this is not much). But in this way, money begins to make money. The part that is invested gradually increases, as a result, income begins to exceed expenses several times and the wealth grows.

By investing, you can turn a hundred rubles into a million, or lose a billion. In this article you will learn where you can invest 100,000 rubles so that they generate income. Why are we talking about this particular amount?

• Firstly, it provides access to most investment instruments.
• Secondly, is capable of generating significant profits per year.
• Third, 100 thousand rubles can be saved even by the average person with a modest salary.

And if you have already managed to accumulate a significantly larger amount, then I advise you to read right away.

From this article you will learn:

How to invest without mistakes - 5 rules from successful investors

For profitable investing, it is not enough to know where to invest 100,000 rubles. Any lesson should begin with learning the basics. Here are 5 important rules that every novice investor should follow. In fact, there are much more different nuances and pitfalls. If you want to dig deep, I advise you to learn this business from those who know everything about investments - world investors such as Robert Kiyosaki, Warren Buffett, Bill Gates, etc.

Rule 1. Use only free money for investments

Investing 100,000 rubles received on credit or borrowed from friends is a bad idea. If the invested amount “burns out” for some reason, you will have to get out of debt for years, grab any job and be nervous. Invest only spare money that you can afford to lose.

Advice. First, create a financial safety net. This is the amount of money that will be enough for you to live for 3-6 months in the event of force majeure.

Rule 2. Diversify risks

To make a profit for sure, you need to invest 100,000 rubles in 3-5 different directions. For example, bank deposit, shares, gold, cryptocurrencies. All assets cannot be unprofitable at the same time, even in the event of an economic crisis. In a word, you need to think and analyze. – this is not about profitable investing.

Rule 3. Control risks

The only way to avoid getting burned is to act calmly and not make hasty decisions. If you have no investment experience, first try investing in low-risk instruments: bank deposits, government bonds, precious metals.

Rule 4. Study the market

If you want to make a profit, invest 100,000 rubles only in those financial instruments that you are well versed in. For example, to invest in stocks, you need to know at least the basics of the stock market and understand the financial statements of companies. Before investing in an online project, you should find out what topics will be trending in 2020 and check the level of competition in the niche.

Rule 5. Reinvest

Do you want to get rich in 10-15 years? Then you don’t need to spend all your earnings. Invest 50% of your investment income in other assets to increase your profits. Let money always work for you.

IMPORTANT. The chances of getting rich quickly increase if you already have a stable income. For example, salaries, rent payments. Then you can invest from $50 every month.

Where to invest 100,000 rubles to earn interest - 9 ways to make profitable investments in 2020

Now you can answer the question of where to invest 100 thousand rubles. Below in the article we will look at 9 options available even to a novice investor. They differ in the level of profitability and risk. More options and ideas 👈 are in a separate article.

Method 1. Create or buy an online resource

In 2020, Internet projects bring owners substantial profits with minimal investment. More details here👉. The most popular monetization methods are:

• placement of contextual, teaser and banner advertising;
• participation in affiliate and referral programs;
• selling links;
• sale of goods, services, information products (books, educational videos and audios, tickets to webinars);
• lead generation – transfer of contacts of potential clients for money;
• push notifications.

Where to invest 100,000 rubles? For that amount, you can order a freelancer to create a full-fledged online store from scratch, launch an advertising campaign and sell Chinese goods with a markup of 200%. If you run your business correctly, your profit per month will be from 60,000 rubles.

Another 100,000 rubles can be invested in the purchase of a ready-made content project:

IMPORTANT. Investments in Internet resources are among the options for generating active income. The amount of annual profit depends on how much time and effort you are willing to invest in promoting the project.

Method 2. Invest in a bank deposit - stable and reliable

A ruble bank deposit in 2020 allows an investor to have an income of 5-8% per annum. Foreign exchange (in dollars and euros) - up to 2.5-3.5% per annum, but it is better protected from inflation. Investments of citizens in the amount of up to 1.4 million rubles are insured by the state. Thus, a deposit is a low-income, but very reliable instrument that allows you to save your savings.

Where to invest money? Compare deposit offers from banks included in the TOP 100 by capitalization. Up-to-date information can be obtained on the website banki.ru. Thus, as of August 1, 2019, the following banks offer the most favorable rates.

Table 1“TOP bank offers for deposits”

Reference. Capitalization is the accrual of interest on interest, which allows you to receive additional income. The possibility of early withdrawal - saving accrued interest when withdrawing money from the deposit ahead of schedule.

Method 3. Invest in promising startups

A startup is an innovative business idea that is being implemented on the market for the first time. Once upon a time, these were Microsoft, Apple and other world-famous companies. The potential profitability of investments is 50-100% per annum, but the risks are high.

You can invest 100,000 rubles in a startup in the following ways:

1. Draw up a loan agreement
   You can simply lend money to the entrepreneur - at interest. If the business idea is never implemented or fails at some stage, you will demand the funds back through the court.
2. Buy a share
   By investing 100,000 rubles or another amount in the authorized capital of a new organization (society or enterprise), you will become its co-owner and will be able to participate in management decisions and profit distribution. True, the invested amount can bring income only after 2-3 years, when the business gets back on its feet.
3. Conclude an investment agreement
   Under this agreement, you undertake to invest a sum of money in the startup, and in return you acquire the right to receive a portion of the organization’s profits. For example, in the form of royalties - periodic payments. Please note that your money is not insured; the invested amount may “burn out”.

IMPORTANT. However, it is possible to return investments through the court if the other party grossly violates the agreement. For example, does not follow the agreed business plan, refuses to provide financial statements investor and so on.

Which startups should you invest money in so that they generate income? Experts believe that in 2020 the following areas will be in demand: mobile services, robotics, programs for 3D printers, bike sharing, office automation tools.

Method 4. Try crowdfunding and crowdinvesting

Crowdfunding and crowdinvesting are special cases of investing in startups and small businesses. They have the following characteristics:

• one project attracts funds from many private investors;
• investments are made through special platforms on the Internet;
• low entry threshold – from $10.

This is an excellent opportunity for you to divide 100,000 rubles into parts and into different projects in order to diversify risks. What is the fundamental difference between crowdfunding and crowdinvesting? In the first case, the size of the investor's possible profit is usually fixed. In essence, this is a collective investment agreement - a return on investment with interest.

With crowdinvesting (a type of crowdfunding), the investor acquires a stake in the equity capital and can actively influence the development of the business. The potential profit margin is unknown in advance. Crowdinvesting is a riskier option for investing your savings. However, if the idea takes off, you can earn more than 100% per annum.

table 2“Where to look for startups to invest money”

Method 5. Buy a franchise

Often, opening your own business in a sought-after niche can cost a pretty penny due to high advertising costs. An alternative option is to invest money in the purchase of a ready-made business scheme with an audience of loyal customers, that is, a franchise. It gives you the right to do business under a well-known brand.

NOTE. The franchisor provides support to the franchisees. For example, it gives useful recommendations and provides contacts of wholesale suppliers with substantial discounts on products. But you undertake to make monthly payments to him from the profits - royalties. Another disadvantage of a franchise is the restriction of the entrepreneur’s freedom of action.

You can study the list of available offers on the websites topfranchise.ru, franshiza.ru. Where can you invest 100 thousand rubles in 2020? If you have this amount, the following niches are available to you:

• promoted online stores;
• designer accessories;
• mobile service;
• production and sale of frameless furniture;
• consulting;
• educational services;
• trade in gifts and sweets.

The payback period for most of these franchises is only 3 months. What is not a reason to profitably invest 100,000 rubles to earn money?

Method 6. Invest in securities

The most popular securities are bonds and shares. They brought millions of dollars to savvy investors. Read the article, how much and how you can and you will understand where to invest 100,000 rubles. Consider the following options:

1. Blue Chips

These are shares of large companies that have shown stable financial growth for many years. On average, they bring investors 10-15% per annum. Sometimes they additionally provide for the payment of dividends once a quarter, half a year or year.

In 2020, you can invest 100,000 rubles in the purchase of 11 shares of Microsoft ($136.27), 7 shares of Apple ($213.04), 30 shares of the Coca-Cola Company, 19 shares of Lukoil, 424 shares of Gazprom or 435 shares of Sberbank. Better yet, distribute your money across 5-10 different assets, diversifying your risks.

IMPORTANT. Over a short period (up to 5 years), blue chips can be unprofitable. But in the long term, as a rule, they grow.

2. Shares of promising companies

This is about valuable papers ah companies that develop innovative and in-demand products. You can profitably invest 100,000 rubles in such industries as IT, pharmaceuticals, genetic engineering, mobile applications and services.

This is interesting. In 2018, the most profitable in Russia were oil companies: Novatek (+67.04%), Tatneft (+54.11%), Lukoil (+49.86%). However, the situation is different for foreigners. The list of leaders included microelectronics manufacturer Advanced Micro Devices (+79.57%), technology company Square (+61.78%), and travel service Trip Advisor (+56.53%), on which few people bet.

3. Bonds

Bonds provide the investor with two options for receiving income: a coupon based on interest rates and in the form of the difference between the purchase price and the face value. The maturity date (repurchase) of the security is known in advance. The most reliable instrument is government bonds federal loan, which are issued by the Ministry of Finance of the Russian Federation. The yield is up to 7% per year. You can purchase them by contacting Sberbank.

Corporate bonds are a riskier instrument because a private company may face financial difficulties. But the income on such securities is usually higher - up to 10-12% per annum.

Reference. You can legally invest 100,000 rubles in stocks and bonds through brokerage companies on the Internet: Otkritie Broker, Finam, BKS Broker, Zerich and others.

Method 7. Invest in precious metals

Precious metals are more suitable for long-term investment. There is no point in investing money in them in order to make a profit in a year. Another thing is in 10-15 years.

Table 3“Changes in prices for precious metals over the past 5 years”

* Palladium– growth leader. This metal is mainly used for the production of catalysts in gasoline engines. However, a number of analysts (in particular, the Refinitiv consensus) predict a decline in the price of palladium over the next 2-3 years due to falling automobile sales and increased demand for electric vehicles.

How to invest 100,000 rubles in precious metals? One way is to buy bars in a jar (from 1 gram to 1 kg). As a result, you will receive a certificate confirming the authenticity of the product. After many years, the metal can be sold back to the bank.

IMPORTANT. When purchasing bullion, you will currently have to pay VAT to the state at a rate of 20%. But this tax is going to be abolished in the Russian Federation.

There are other options to invest in precious metals (tax-free):

1. Buying collectible coins

They can increase sharply in price in 5-10 years due to their collectible value. However, it is difficult to find buyers for expensive coins.

2. Buying shares of gold mining companies

In Russia, the leading companies in the industry include Buryatzoloto, Lenzoloto, Polyus, Polymetal, Petropavlovsk. At the end of 2018, only the shares of the latter showed growth of +1.7%, the rest turned out to be unprofitable.

NOTE. The price of shares of gold mining companies does not necessarily depend on the dynamics of prices for the metal itself.

3. Opening an impersonal metal account (OMA)

Essentially, this is the same bank deposit with a maximum rate of up to 7-8.5% per annum, only the unit here is metal, not Russian rubles or currency. A citizen’s income is not taxed if the opening period exceeds 3 years. When closing the compulsory medical insurance, the bank undertakes to pay the investor an equivalent amount of money at the current metal exchange rate.

IMPORTANT. Funds deposited into compulsory medical insurance are not subject to state insurance of bank deposits in the amount of up to 1.4 million rubles.

Method 8. Buy art and antiques

Some investors invested 10-15 thousand rubles in paintings by young but promising artists, and then resold them at auction for tens of times more. The increase in the value of a piece of art is influenced by the demand and fame of its author, participation in exhibitions, and inclusion of work in catalogs.

In addition, you can invest 100,000 rubles in antiques:

• porcelain dishes;
• silver plate;
• icons;
• furniture;
• Houseware;
• scale models;
• coins and banknotes.

If you yourself do not understand the niche, then be sure to consult with experts before purchasing an item. Otherwise, there is a risk of purchasing a fake or an item that no one will need in 10 years.

Method 9. Engage in your own professional growth

Getting an education and improving professionalism is the most promising way to invest 100,000 rubles. After all, no one will take away your knowledge and skills, even during an economic crisis. Buy useful books, go to courses, trainings, study foreign languages, take internships in large companies.

IMPORTANT. Education should not be an end in itself. You must clearly understand why you are spending money. Let's say you go to study to become an Internet marketer, because this profession is in demand now. Or you realize that you do not have enough marketing knowledge to promote your own content projects.

And if you are not yet ready or have not yet managed to earn money to invest in some project, then money on a card is more suitable for you.

5 promising ideas for creating a business where you can invest 100 thousand rubles

100,000 rubles is a pretty decent amount for a beginning entrepreneur. It is enough to implement dozens of business ideas. But the most popular ones, with quick payback and minimal risks, will be listed below. More information regarding 👈here, read, learn and earn.

Idea 1. Glass collection point

To implement this idea, it is enough to invest 30 thousand rubles at the start. The money will be spent on renting premises, purchasing equipment and advertising. Leave the remaining funds for current expenses. Competition in the niche is low or non-existent.

The main distribution channels for products are distilleries, breweries, canneries, and glassware manufacturing companies. Discuss the terms of cooperation with them in advance and register the business. The net profit of a glass container collection point averages 50-60 thousand rubles per month.

Idea 2. Car service aggregator

This type of business refers to intermediary services. It relieves the entrepreneur from the problems that manufacturers and traders usually face (searching for premises, equipment, communicating with suppliers, clients, obtaining permits).

You just need to invest money in developing an application - an aggregator of car services. Initial investment – ​​80-100 thousand rubles. Then you should establish cooperation with car services that are interested in a large influx of customers. For every transaction carried out through the service, you will receive a percentage. Net profit per month with a stable flow of clients can reach up to 90 thousand rubles.

Idea 3. Eliminating odors in cars with dry fog

A business idea can be implemented even in a small town if you have a garage. Competition in this market segment is lower than among repair, tire fitting and car washing services. At the same time, the service is in demand. You will need to invest 80-90 thousand rubles in the purchase of a dry fog generator, liquids with various odors and advertising.

At first, you can work independently, and when the business gets back on its feet, hire employees. Potential net profit per month – 30-40 thousand rubles.

Idea 4. Vending business

Such a business has a huge advantage: to make a profit, you just need to invest in the purchase of machines, find a pass-through place and regularly update product inventories. The effort required is minimal.

For example, a condom vending machine in the Russian Federation costs an average of 60 thousand rubles. Another 1-2 thousand rubles will be spent on renting a place and 20-30 thousand rubles on purchasing products from a wholesale supplier. As a rule, an investor’s net profit per month is 30-35 thousand rubles.

Advice. The best places to place a condom vending machine are large shopping centers, supermarkets, nightclubs, hotels and student dormitories.

Idea 5. Advertising on cars

This is from the field of intermediary services. Suitable for sociable individuals. The essence of the business is simple:

1. You find the maximum number of people who are willing to provide their car for money as a platform for advertising. Having your own website will help you attract customers.
2. Find advertisers, for example, car washes, wedding salons, fast food restaurants, alcohol companies. Agree on advertising placement.
3. Because advertisers pay you more than you pay individuals, you pocket the difference.

You will need to invest up to 20 thousand rubles in creating a website and leave 15-20 thousand rubles for printing advertising stickers.

Net profit per month at maximum load will be 80-100 thousand rubles.

Important Takeaways

Now you know where to invest 100,000 rubles to earn money. If you are a novice investor, then 60-70% in investment portfolio give to such conservative instruments as bank deposits, precious metals, securities. Investing in startups and your own business are options for those who are willing to take serious risks. But they are also the most highly profitable.

In general, it is not so important where you decide to invest 100,000 rubles. The main thing is that you follow the rules of successful investing and control your emotions.

Regardless of the size of the investment, in any case, it must and can generate income for its owner. Indeed, not all of our fellow citizens have own capital in order to invest it in large and promising projects. But even citizens with an average income may well have an amount of 100,000 rubles and receive a certain profit from this amount. The fact is that inflation reduces the size of our savings every year, which means we need to direct them in time so that at least the income from investments justifies the current inflation.

But due to financial illiteracy, ordinary people cannot know where to invest funds in such a way that they work for them and bring even a small but stable income. At the same time, you should carefully consider this event, because you should always take into account that investments are always accompanied by a certain risk. This means that you need to know exactly where you can invest 100 thousand rubles so that they generate income and at the same time with minimal risks. Let’s try to sort out all the current options.

Bank deposit

Of course, this is the easiest, most accessible and safest way to invest money. In this case, you do not need to have any knowledge or experience, you just need to choose a bank and conclude an agreement with it to open a deposit account. True, when choosing a financial institution, you should pay attention first of all to the terms of service of the deposit and the annual percentage. Many users will probably think that it would not hurt to check the reliability of the bank and assess their risks. But in fact, today it is not necessary to do this, because all bank deposits are insured by the DIA agency.

Please note that all bank deposits are insured state guarantee, in case of revocation of a credit institution’s license, all depositors receive compensation in the amount of up to 1 million 400 thousand rubles.

Now let’s focus on the main thing: what profit does a bank deposit bring if you invest 100,000 rubles for a period of one year. It all depends on the annual interest rate, calculations here are not so difficult, if the interest rate is 8%, then the total profit of the depositor for one year will be 8,000 rubles without taking into account the capitalization of interest; if, according to the terms of the bank deposit, capitalization of interest is provided, then the profit will be slightly more , but not by much.

U bank deposits there are a number of disadvantages and advantages. The main advantage of a deposit is that in any case it is the most secure and reliable way investing. There are also disadvantages, first of all, they lie in the fact that bank deposits have many restrictions and nuances. For example, if at least part of the invested funds is withdrawn early, the investor loses part of the profit, that is, in the worst case, the investor will not receive a profit at all, but will return his savings in full.

PAMM accounts

This method of investing, of course, is not known to everyone, because many individuals They are skeptical about it and under no circumstances consider it as a serious way of investing. Investing is profitable, but at the same time, of course, carefully consider all possible risks. First of all, you need to answer the question of what PAMM accounts are and how this scheme works.

In fact, this method of investing has been known for quite a long time; its essence lies in the fact that you invest money in investments for foreign exchange market Forex. True, here your interests should be protected by professional traders, that is, securities market players with existing experience. You can directly take part in trading on the Forex market yourself, but it is worth considering that beginners here should not expect profit at all; rather, you will suffer losses.

By choosing a successful trader, you can make a profit, but it is worth considering that instead of a profit, you can also receive a loss. So, your task is to first find a trader with good trading experience. Next, you enter into an agreement with him and entrust your own savings, he will invest them in the purchase of assets for the purpose of subsequent resale. The fact is that traders usually enter into agreements with several investors and trade on their own behalf. In the future, profits are divided among all participants in proportion to their investments, just like losses.

As for the size of the profit, it is almost impossible to predict it; ideally, it is 30–40% per annum, although it can exceed 200% per annum, but this is most likely an exception and, accordingly, it is better not to count on such a result.

Among other things, let’s consider what risks this investment method has:

1. Trading risks if the trader takes the wrong approach, in which you risk incurring losses, because trading is carried out on the asset market, where it is almost impossible to predict the situation, especially without analytical skills.
2. Non-trading risks, here we are talking about the fact that you have a high probability that you will incur a loss associated with the incompetence of a trader or even with scammers, because you are entrusting funds, in fact, to a complete stranger.

Mutual funds

If we talk in simple words What is it, it is trust management of your assets to special funds. That is, several people have small savings, but cannot invest them correctly and, in principle, do not know how to do this. Here you need to choose an organization that accepts funds from clients and invests them in various profitable activities, for example, the purchase of precious metal, stock securities, and more.

As for the size of profit, the issue is quite complex and ambiguous. After all, it may not be too large, maybe 50% of the investment, maybe 100% or more. At the same time, mutual investment funds do not guarantee investors a fixed profit because it will depend on many factors, primarily on the economic situation.

Investing in the purchase of precious metals, currencies and securities

This option is more or less similar to the previous one, but only in the previous option you trust your funds investment funds, and in this option you can manage your finances yourself by purchasing shares of large companies, precious metals or foreign currency. The essence of the event here is quite simple: first you need to carefully study all the options, as well as assess the prospects for growth in the value of assets and compare it with possible risks.

What to invest 100 thousand rubles in is a rather complicated question, because the cost of precious metals is growing steadily, but at a slow pace; most likely you will not be able to earn much money by purchasing gold or silver. At the very least, your profit will probably be less than bank deposit. When purchasing shares of large companies, for example, Sberbank, Gazprom and other companies, you bear significant risks, because the value of securities fluctuates, it can fall significantly, or, on the contrary, it can rise in price and bring significant profit to its owner. In addition, security holders are entitled to receive dividends. But there is also a disadvantage of this method: if you do not have analytical skills, you will not be able to predict at least approximately the fluctuation in the price of certain shares, and you definitely will not be able to find a favorable time to buy or sell them.

Another way to invest is to buy foreign currency: dollars or euros, but, as you know, jumps in the value of foreign currency, fortunately, do not happen so often, which means you should not expect super-profits from purchasing currency. Among other things, when purchasing and selling currency, you will have to pay a commission to the bank, and, therefore, this method of investing is still not worth taking seriously.

Business projects

Probably, many will think that 100,000 rubles will not be enough to organize their own business. But this is just a big misconception, because in history you can find many striking examples of how successful businessmen started their journey practically from scratch. This means that you, like others, have a chance to start your own business with minimal investment.

You can find quite a lot of business ideas, but one big factor worth taking into account is that competition in the market is quite serious, so you should choose a niche that does not yet have high level competition. Also, if you still decide on this method, it is worth carefully studying the market from the inside, that is, identifying the needs of the end buyer, his interests and preferences.

Please note that the size of investments in the same business can vary significantly depending on the region; when choosing an industry, you should carefully study the pricing policy of the region.

No one can answer your question about what kind of business you can start with 100,000 rubles. Here everything depends on many circumstances, but we can answer with certainty that if you have such funds, you can open an online store, for example, using a dropshipping system, a business in the service sector and other projects. When your investment will pay off is also a difficult question, everything will depend on your enterprise and resourcefulness. At the same time, it is worth remembering one essential truth: the success of the event depends on a clear and detailed business plan.

From this we can conclude that in order to make a profit, it is enough to have funds in the amount of 100,000 rubles and manage them correctly. When choosing an investment method, be sure to take into account all the factors and risks and calculate your capabilities. If you really want to, you will not only save your money, but also receive income from it.

Who is an investor? Often, when we hear this word, we imagine people like Warren Buffett or Peter Lynch, or at least those who work with capital of a few $1,000 or more. But this perception of the term investor prevents ordinary people from earning money from their savings.

INVESTOR

A; m. Economy The person, organization or government making the investment; depositor.

This definition is given by the Big Explanatory Dictionary of the Russian Language. I note that not a word is said about the amount. A person who has invested part of his savings in dollars can already consider himself an investor.

What can you invest $100 in?

We have already found out that you can become an investor by investing some minimum amount, it is much more important to have the right mentality in this matter. Here are some examples of what you can invest $100 in:

An index fund is a type of mutual fund that does not have a management team. The fund's assets exactly reflect the composition of the stated index, so index funds are managed automatically. The advantage for a small investor is reduced commissions compared to a classic mutual fund, which is very important for a small amount of investment.

2. Retail broker

Some retail brokers accept investments as low as $1. Through them you can trade currencies, futures or CFDs. This type of investment is quite risky and requires special knowledge.

3. P2P loans

P2P platforms offer to borrow money directly to other individuals for a sufficiently high percent. This is due to the corresponding risk of loan default, so when choosing a platform, it is important to study in detail the process of selecting potential borrowers.

The easiest way to invest a small amount in Russia is to open an individual investment account and at the end of the year request from the state tax deduction. Money transferred to the account can be invested in other assets listed here to increase profitability.

Investing $100 in buying shares from a traditional broker is not profitable, since a significant part of the amount will be consumed by the brokerage commission, but today there are a number of mobile services offering to buy shares for almost no money. additional expenses or shares of expensive shares. Robinhood, Loyal3 are popular applications among young people in the USA, but do not yet work in Russia, but their competitor DriveWealth accepts foreign clients.

6. Financial education

If you feel insecure and the thought of investing scares you, start by increasing your knowledge. By investing the first $100 in a training course from a practicing investor, you will get a greater return than by starting to act chaotically and learning from your own mistakes.

Investing in gold does not necessarily mean physically purchasing the metal (selling it later will be problematic). Alternative methods: opening compulsory health insurance accounts, buying gold coins at a bank. But to invest gold with even greater returns, it is better to do it through the exchange: by buying metal futures or shares of a gold-backed fund.

8. Foreign currency

Since we are talking about the amount of 100 dollars, and not 6,000 rubles, we will assume that we have already made the first investment: we invested money in foreign currency. If in the future the ruble falls and you decide to exchange dollars back to Russian currency at a more favorable rate, you will close the transaction with a profit. It is more profitable to exchange money not in physical exchange offices, but through brokers, but the essence of the operation does not change the method of exchange.

The most difficult part of the investing process is getting started. I recommend not to wait until you have enough funds at your disposal to do this. Try to invest a minimum amount, learn how to manage it and make a profit from it. Don't try to immediately make a living from your $100 investment - you will inevitably expose your account to too much risk. Set your earnings goals as a percentage of your capital base. When you achieve sustainable results, gradually increase the amount of investment. If you don't know how to manage 6,000 rubles, how will you manage 600,000?

November 17, 2016