No matter how hard you work, your money can work much better for you if you know how to manage it correctly. Today, investors have a wealth of opportunities open to them, but their eyes are simply wide open: bank deposits, shares of large and small companies, investments in mutual funds, and so on. How to correctly distribute your capital between dozens of sources of profit?

There is a joke in America: making the first million is a million times more difficult than making the second billion. There’s a grain of humor in every joke, but it’s a really difficult task to save and increase your money, even if it’s not a billion yet. However, for people with a good income, from 100,000–150,000 rubles, this is easier to do; they have many opportunities to protect and increase their savings.

Let's assume that you already have good investment capital in the amount of 2.5 million rubles. At first glance, this amount may seem unrealistic, but in five years of work, a commercial director can easily create such capital. According to a study by the Superjob portal, the average salary of a commercial director without taking into account various bonuses and annual bonuses in cities with a population of over a million is 150,000 rubles. per month. If you have no encumbrances, such as a mortgage or car loan, then without compromising a full and active life, you can save up to 40% (about 70,000 rubles) per month and thus accumulate 840,000 rubles in a year.

Taking into account that you may urgently need part of this amount (for example, a friend or relative is in an unpleasant situation and needs financial help), we reduce the amount of remaining savings to 500,000 rubles. And in five years we receive capital in the amount of 2.5 million rubles.

Financial control

Many people are concerned about the question: why do people lose their savings and why doesn’t everyone manage to not only increase, but at least protect their capital? The reason is banal and simple: all the troubles come from the inability to set a goal, choose a priority and use tools that allow you to get specific income. But before choosing tools and defining goals, you need to put your income and expenses in order.

Answer yourself honestly the question: what do you spend your money on and where do you get these funds from? I would not be surprised if the majority do not immediately remember not only monthly expenses, but also financial receipts. Keep a notebook and note down all your expenses for at least two to three months. Such observation will give a real picture of the structure and volume of your expenses. Then do the same with income. The data obtained will give you a picture of your personal financial condition.

We optimize

Now you can think about how to increase income and cut expenses. When you analyze your spending structure, you will find expenses that you can easily refuse or simply reduce. Most likely, this type of expense will account for 10–15% of total expenses.

In addition, make it a rule to save at least 10% of your regular income and at least 50% of your casual income. For example, even taking into account a mortgage loan, which takes about 40% of your salary to pay every month, you can save 15,000 rubles monthly, which will be 180,000 rubles per year. This is how your initial investment capital will be formed.

And if a good promising project appears, then you can invest a small amount and see the growth dynamics. By the way, sometimes the amounts for investment are quite impressive, so you may need a microloan in cash, which will allow you to quickly and at minimal cost get the required amount of funds

Defining goals

Before you create a financial plan and determine how to manage your money, it is important to clearly answer the following questions: At what age do you plan to leave your job? What size monthly payments would you like to have? What problems would you like to solve in the next 10–20 years?

To properly manage your money, you need to define your personal financial goals. This could be, for example, investing in starting your own business or saving for targeted spending in the future (paying for a good education for a child, buying an apartment, or other significant acquisitions). Or maybe the task is to increase capital simply to ensure a financially prosperous old age.

For each of these problems, solution conditions must be defined. First: what level of risk are you willing to accept? What is more important to you - profitability, but at the same time risk or reliability, protection of funds, but with low income? Second: for what period, or, as professionals say, investment horizon, will we place our funds? And finally, third: what instruments do we choose - mutual funds, shares, bonds, deposits, real estate, currency? The size of the amount you want to manage also matters: if investments in a bank deposit are possible from a minimum level, literally $300, then investments in the real estate market will require several tens or hundreds of thousands of dollars. Also, remember not to put all your eggs in one basket. You need to invest in different assets.

Before investing, make sure that you have created the necessary reserves and strengthened your rear, namely:

• insure life and disability;
• create an emergency reserve of funds in case of job loss for at least a quarter, and preferably for six months;
• select and start creating your own pension program.

Bank deposits

One of the traditional ways of saving money is bank deposits. Reliability (especially for an amount not exceeding the state-guaranteed framework for deposit insurance - 700,000 rubles) and a known income in advance - these qualities make deposits an indispensable tool in an investor’s portfolio. With the help of a deposit, you can insure the risks of investing in other assets, for example, invest part of the funds in shares and the other in deposits. Income received from deposits can compensate, at least partially, for losses incurred when the value of securities falls.

The positive side of the deposit can be considered liquidity, that is, the ability to turn the deposit into cash at any time, even if early closure of the deposit entails a loss of interest. Not every instrument allows you to quickly convert an asset into cash. For example, real estate does not have such a property. The deposit well illustrates the rule that the higher the reliability, the lower the profitability.

Often a deposit is treated as a tool for increasing capital. This is fundamentally wrong. A deposit, as a rule, does not cover inflation; it is a tool for savings, accumulation, but in no case for increase. Therefore, if your goal is growth and you are ready for a certain level of risk, then it is wiser to combine the deposit with other, more profitable instruments.

Stock market

Capital increase is the prerogative of the stock market. Over the past year, Russian indices showed an increase of more than 20%; in 2009, indices shot up more than 120%, and the profitability of individual securities turned out to be three-digit. Therefore, if you want to increase your capital, you can and should include shares in your investment portfolio in addition to deposits.

The portfolio must include “blue chips”, that is, shares of the largest Russian companies that are more predictable and reliable. Otherwise, portfolio construction strategies may vary.

Forming a portfolio

There are several main approaches to forming a financial portfolio. An aggressive strategy implies high risk, but also high return and therefore includes a large percentage of shares - this instrument is characterized by high price fluctuations depending on supply and demand.

A conservative strategy involves a minimum level of risk, choosing low-risk instruments, for example, 70-75% of bonds and bank deposits and 20-25% of reliable blue chip stocks. The low risks of this strategy also imply low income, which allows you not so much to earn money as to protect your money from inflation.

A moderate strategy is a combination of reasonable risk and average return, which implies the inclusion in the portfolio of a large share of shares (up to 50%), not only blue chips, but also shares of second-tier companies. Quite little attention from analysts to a number of second-tier companies and Limited information on these companies creates attractive investment opportunities. The following combination is typical for this strategy: 50–55% are shares, 35–40% are debt instruments, that is, reliable bonds, bank deposits. Of course, the formation of an investment portfolio does not come down to bare recipes “take so much of this and so much of that, shake and don’t stir.”

In addition, depending on the experience and willingness of the investor to take risks, the investment portfolio may include not only stocks, but also so-called derivatives - futures and options, formed on the basis of low-liquid stocks or, for example, corporate bonds.

Currency

You can also include other instruments in your portfolio, such as currencies. As a rule, currency makes up about 5–10% of the portfolio, depending on the strategy, and insures the remaining assets. In addition to currency, this function can be performed by debt obligations, for example, Eurobonds of Russian issuers denominated in euros or dollars. Investments in currencies always carry certain risks, and it would be reasonable to insure investments in euros with investments in dollars, creating your own bi-currency basket, for example 55% of euros and 45% of dollars. It is preferable to invest in the currency of the country with the maximum reliability credit rating and the highest refinancing rate. For example, choosing, relatively speaking, between the dollar and the euro, an investor is more likely to give preference to the euro, since the refinancing rate in the European Union is higher than in the United States.

Precious metals

Investments in precious metals are a traditional way to reduce portfolio risks. There are several ways to invest in precious metals.

The easiest one is buying jewelry. However, as an investment, jewelry makes sense if it is rare or antique and has artistic value. Another way is to buy investment coins, but the bank does not always buy them back at attractive prices. Investments in precious metal bars also have their disadvantages, since when purchasing a gold bar, VAT is added to the cost of the gold bar, and when selling the bar, the bank does not return VAT. In addition, the bank takes a commission for processing the transaction and, when purchasing a bullion, may require an examination - at the expense of the client.

And finally, a method that allows you to invest in precious metals at the lowest cost is to open an impersonal metal account (UMA), when grams of precious metal are credited to the client’s account. In this case, the bank, as a rule, does not charge VAT and commissions for opening, closing and maintaining compulsory medical insurance. If the price of a precious metal increases, the account also increases; if the metal falls in price, then the account also decreases. You can also open a fixed-term compulsory medical insurance, when the account is credited with 1–4% per annum, but there are pitfalls: metal accounts are not covered by the law on deposit insurance, so in the event of a bank bankruptcy, the investor will wait for payments in the general queue.

In general, there are not only good or only bad financial instruments; each of them simply has its own specifics that must be taken into account in the work. But building a portfolio in accordance with an acceptable strategy can be quite a difficult task, so it is better for novice investors to entrust the creation and management of a portfolio to a professional, choosing, for example, an investment method such as a mutual fund, or using a trust management service.

The ruble is once again sliding down, and the currency is soaring in value. Money is taken out from under the mattress so that it is not eaten up by inflation. We will tell you how to increase money without risk by investing it profitably.

How to invest and increase money

In a rather unstable economic situation, more and more people are looking for ways to save and at the same time profitably invest their accumulated money. Let's look at the TOP 10 ways that will help solve this issue.

Savings account

The easiest way to increase money is to transfer it to a separate savings account. The main thing is that it is indefinite, with capitalization and the possibility of replenishment. And, of course, withdrawal of funds without loss of interest.

Such accounts are offered by many banks, including Tinkoff, VTB, Alfa-Bank, FC Otkritie. The rate on them is low, but is compensated by mobility in managing savings.

For interest to accrue, money must be kept in the account for at least one month.

Income card

In fact, this is the same savings account, only on a plastic card. You can go to the store with this card, pay on the Internet, and withdraw funds. And interest will be accrued monthly.

Many banks, in addition to this function, also offer cashback. This way you can save on purchases, because from 1% to 5% of the money spent will be returned to your account.

For example, such income cards can be ordered from Tinkoff, Alfa-Bank, Promsvyazbank, Raiffeisenbank, Binbank, FC Otkritie.

Time deposit

The essence of the investment is that you deposit money into an account for a certain period and receive a fixed interest upon its expiration.

Rates vary from bank to bank, and the maximum you can earn is:

• if you invest money on a deposit under special conditions - for example, Immediately 7 from Alfa-Bank or In the game! from MTS Bank;
• if you take out an additional product, for example, an endowment life insurance policy;
• if you open an account online;
• if you belong to a preferential group of depositors - for example, Sberbank and Rosselkhozbank increase the rate on deposits for pensioners.

The deposit term and amount influence the rate. The more money you invest, the more interest you will receive.

Do not forget that bank deposits are insured for amounts up to 1.4 million rubles - but provided that the bank has membership in the DIA. Otherwise, the deposit does not protect anything, and you can lose your savings if the license is revoked or the institution goes bankrupt.

OFZ

One of the least risky ways to profitably invest and increase money in the stock market is to purchase federal loan bonds. There is only one risk of losing an asset - the state will default on its obligations. But even in the current difficult economic situation this is unlikely.

The OFZ yield is determined by the offer; on average, it is at the level of 7-8% per annum. You can earn extra money if you buy a bond at a price below par and wait until it matures.

For example, as of August 13, OFZ issue 46020 was sold at a price of 880 rubles. If you buy it and wait for maturity in 2036, then in addition to the coupon income of 8.27%, you can earn another 120 rubles from one bond.

OFZ can be purchased through any Russian broker. They are traded on the Moscow Exchange.

OFZ-n

So-called “people's” bonds are distributed only in Sberbank and VTB. The minimum purchase amount is 50 pieces. The cost of OFZ-n is determined by the Ministry of Finance and is usually in the region of 95-98% of the nominal value.

The third issue of OFZ-n provides for a stepwise increase in yield - from 6% to 8.6%. The total coupon income for 3 years will be 219.53 rubles with a face value of 1000 rubles, i.e. the total return on the instrument is 21.9% for three years or 7.3% for one year.

The disadvantages of OFZ-n, as one of the ways to increase money, are limited liquidity and high commissions. The advantages are predictable profitability, the possibility of bequeathing paper and ultra-reliability.

Real estate

“Square meters” have always been considered a particularly reliable way to increase money without risk. And even now, when real estate prices are falling, this asset remains quite valuable and attractive in the eyes of investors. The reason is that the apartment can be used not only for making a profit, but also for personal residence, i.e. it has value in itself.

Now that home prices have fallen and mortgage rates are at historic lows, investing in real estate is one of the promising areas of investment.

You can reduce costs even further if you invest in housing during the construction phase. But this increases the risks: unfinished construction, fraud, increased costs...

Mutual funds

A balanced portfolio of mutual funds is ideal for investors with relatively small capital - literally 50-60 thousand rubles is enough to invest in 5-6 promising mutual funds and increase them.

Mutual funds invest in several securities at once within the same industry or country. This allows you to achieve diversification already at the initial stage. But you can reduce risks if you invest in different mutual funds - bonds, stocks, industry and real estate.

In this case, you will not depend on the value of only one type of asset. For example, when stocks fall, investors flock to bonds and real estate as protective instruments.

If your portfolio contains mutual funds of different directions, then you will be protected from a wide variety of risks.

ETF

An exchange-traded investment fund invests in a specific index, for example, the RTS or S&P 500. Unlike mutual funds, ETFs do not involve active management, which allows them to save on maintenance. If in the case of mutual funds you pay 3-5% for management, then for buying and selling ETF shares it is enough to pay a standard brokerage commission.

Since an ETF, when forming the structure of its assets, strives to match the index as closely as possible, its value also depends on the price of the index. As practice shows, indices have been growing over the years - therefore, the price of ETF shares is also increasing.

You can additionally earn money by receiving dividends.

Structured products with capital protection

They consist of two parts:

• base part – funds are invested in deposits or OFZ;
• risky – money is invested in a speculative asset.

For example, 95% of funds can be invested in OFZs, and 5% in Coca-Cola shares. If, after the agreed period, the shares rise, the investor will receive a large profit - exactly how much depends on the terms of the contract. If the shares fall, the investor will receive only the planned income - for example, 6% per annum.

The larger the base part, the lower the potential income, the lower the risks. The investor's task is to find a balance between risk and return.

Endowment life insurance

If you are determined to save a tidy sum using a risk-free method, take out an NSJ policy. During its validity, you will receive insurance protection against various troubles, including disability or death (the specific set of risks will be determined by the agreement).

Part of the funds transferred by you to pay for the policy will be invested by the management company in low-risk assets. If the insurance expires and you never use it, you will get that money back plus income.

An insurance policy is both an investment and insurance in one package. And no risks.

Conclusion

Thus, even in unstable financial times, the market is full of offers on how to invest and increase money without risk. The main thing is to choose what is right for you, based on the minimum entry threshold, potential profitability and your understanding of how exactly this instrument works. With the help of such assets, you can significantly increase your savings without unnecessary risk.

But this will be of little use if you do not know how to increase your capital, which you managed to accumulate. Of course, you can simply continue to save money, or keep the accumulated amount for a rainy day. But there are many ways to use this money more effectively and increase your capital with even a small amount of money

• Attitude to money.Indeed, those people who respect their finances always earn more than others. Many people say that money does not buy happiness. Of course not, happiness lies in their quantity. Naturally, there are many important, intangible things, but in our time you cannot survive without money, and everyone knows it. Therefore, you need to love your money, even, preferably, keep it in a beautiful wallet, and not in just anything.
• You need to think positively.You need to think well not only about money, but also about life in general. Mental attitude is a powerful thing. Therefore, if you tell yourself that you will get rich, and, most importantly, believe in it, then your chances of earning more will definitely increase! Of course, in addition to positive thinking, you also need a lot of work, but believe me, it is also worth a lot.

• You need to get rid of bad habits.Now it has become very fashionable to live in the moment, not to think about tomorrow. It sounds good, of course, but if you spend half your salary today, what will you live on for the next month? Someone says that if you don’t have money, then you need to spend it and not limit yourself in anything. Naturally, you can’t limit yourself too much, since you need to live on something, but spending everything to the last penny is stupid and unreliable. If you have good profits, do not forget to save and think about the future.
• It's better to invest money in something than just save it.It will be a little more promising and profitable to invest your savings in some business than to simply deposit them in a bank account. This way you can earn passive income without doing anything for it;
• Investments are not only about money, but also about losses.You must understand that before you invest your finances in something, you need to become thoroughly familiar with the project you are going to invest in and calculate whether it can bring you real profits or only losses.

How to save and increase a small amount of money

Which method of saving and accumulating finances is best for you depends on what goals you are pursuing. Quick accumulation of money, stable income in the future or others.

If we are talking about increasing a small amount of money, then there are several options for how to deal with them correctly:

• Storing money in precious metals.The main advantages of this type of financial investment are that jewelry is always in value, it is easy to buy and sell, both in the form of jewelry and in the form of scrap. However, problems may arise in purchasing such a commodity in the form of bullion, storing it, and changing its price due to various incidents. In general, the option is real, but there are more disadvantages than advantages.
• Storing money in securities.There are also pros and cons here. The good thing is that they can be easily purchased, and you can earn a lot from them quickly and a lot. The bad thing is that you always need to be aware of various changes in the market, it’s easy to both earn a lot of money and lose it in one moment, constant dependence on brokers and the market. Here the number of minuses also exceeds the number of pluses. Therefore, the option is not bad, but quite risky.
• Storing money in deposit.A fairly common option, but now it is losing its popularity a little. Putting money on deposit is, of course, very convenient, but you need to find a bank that you trust, and also take into account the fact that the percentage of return will always be less than inflation. Conclusion: you can put money on deposit, but it is advisable that the amounts are not large and that they are not stored there for too long a period.

• Investing in yourself: training, studying.This, of course, is a very good and promising investment option, since if you learn to better understand a particular area, then, naturally, you will be able to earn more. The main thing is to choose the right direction. It is better that these are specialized courses and master classes than standard higher education, since the courses will give you much more practical skills and knowledge.
• Investing money in your business.There are approximately the same number of pros and cons here. Pros: you can work for yourself and realize the idea that you want. Disadvantages - all responsibility, naturally, will also lie with you, and in case of failure, you will have to pay for everyone. Therefore, the investment option is a good one, but before you start implementing it, you need to think everything through very well and carefully.
• Become a member of an investment fund.In order not to deal with capital market transactions yourself, you can become a member of an investment fund using the collective investment service.
• Buying a property.This is probably the most reliable option that can bring you stable profits over a long period of time. Of course, you will need a large initial capital, but the result is certainly worth it.

How to increase capital without risks

Most likely - no way. Whichever option you choose from the above, some risk will still exist. Everyone has the right to make mistakes, and when working with investments it is very difficult to always get everything right. The main thing is not to rush, carefully and carefully explore all the sites and markets in which you want to work, evaluate your competitors on their merits and do not immediately invest all the finances that you have in one project. It’s better to play it safe and distribute your money across more than one project, or simply invest some part, and after receiving the first profit, do the rest. This way you can reduce your risk as much as possible.

They will also help you on this difficult path. They will help you understand the processes of money movement, the principles and rules of working with them.

Anyone at least once thought about how to increase money in a safe way. Often, the choice of method of accumulating and increasing capital is determined by the form in which you would like to receive income: you are interested in periodic payments that would turn into an additional source of income, or a long-term investment that would bring profit in the future.

From this article you will learn:

Is it possible to save and increase money for a person with a low salary?

Financial intelligence is the ability to solve problems related to money. For some it is higher, for others it is lower. What does this depend on?

Such intelligence is formed as a result of solving practical financial issues that rarely arise in everyday life. As for mathematical intelligence, numerous tasks at school and higher education help us train it. We resolve issues related to funds in the background.

Why don't people work on improving their financial intelligence? The fact is that every day they are faced with already familiar questions, but at the same time they do not strive for new knowledge. There are thousands of ways to save and increase money, but we don’t use them.

What is the best way to increase money for a person who receives, for example, 40 thousand a month? Let's say he saves 5 thousand monthly. What can you do to increase your income in the future?

When a person starts saving money, he can “break out”, as in the joke: he started saving for a Lexus, then couldn’t stand it and bought a Snickers. It is important to save and not waste the funds you have set aside.

People live by calculating their expenses using four basic formulas:

1. Bankruptcy formula: received money and spent more. Let’s say you got into debt “until payday.” If this is the formula for your financial life, bankruptcy is inevitable.
2. Poverty Formula No. 1: got the money and squandered it all. Most people, receiving 40 thousand rubles, do not try to save anything. Do you stick to this formula? You will be poor all your life. And if force majeure occurs, you will become completely bankrupt, because you will have to borrow money and return it with interest.
3. Poverty Formula No. 2: received money, saved a little, spent it. This option is better, but still leaves you at the same level.
4. Wealth formula: received money, saved it, invested it and increased it.

What is the fundamental difference? The psychology of the poor is such that they save money hoping to spend it. As for the rich, they save it to increase it.

All the wealthiest and most successful people in the world, thinking about how to increase their money, applied this formula and turned their earnings into capital that generates passive income, which has an important property: it increases exponentially due to the effect of compound interest. This is what the path to wealth looks like, and as we can see, it is quite simple.

Choose your formula. Or you save to buy a car, an iMac, or renovate an apartment. Or you are wondering how to increase money without risk in Russia, and are following exactly in this direction.

Remember: multiplication is a long-term progressive action. At first it will seem that there is no effect. You save money and realize that you managed to save very little. When you receive 40 thousand rubles, you leave 5 thousand per month. After a year, you have saved up 60 thousand, which, of course, is not enough compared to the desired result.

An emotional rollback occurs: “I’m saving, but to no avail.” Just wait out this period, and then your investments will certainly begin to increase noticeably. Typically, this happens around the fifth year after you start saving money. It is important to be patient and not give in to the temptation to spend everything you have put aside.

How to attract, save and increase money: 5 principles of investing

This may be trivial for some, but if you want to increase your money, first acquire the necessary knowledge. That is, it is better to invest the first funds not in the purchase of shares, gold items or make a deposit in the bank, but use them for your own development. This is exactly what the two most successful, rich and famous people in the world - Bill Gates and Warren Buffett - advise to do.

Once you have acquired the necessary knowledge and understand what a particular financial instrument is, how it works, what risks and profits are expected, proceed to practical application.

Principle No. 1. First create an airbag

If you don’t have a financial base, it is ABSOLUTELY IMPOSSIBLE to invest. The only exception may be a bank deposit. How to increase your money in the bank? Just deposit funds into the account, but remember that this is rather a way of saving rather than investing.

What is a financial airbag, how to create it? A financial cushion is a reserve of funds with which you and your family can live as usual for 6 months and feel absolutely comfortable without other sources of income.

How to get one? Just defer financial income (salary) at certain intervals or sell the property that you have.

Let’s say that you and your family are used to spending 60 thousand rubles a month. Then to invest you must have 400 thousand rubles.

You can invest funds at interest without a financial cushion only if you have a source of passive income. This is the name for the flow of incoming funds that you do not make daily efforts to receive. Passive income comes from renting out a house or apartment, stock dividends, or profits from an operating business.

Principle No. 2. Don't put all your eggs in one basket

To make your funds work for you, invest them wisely, diversify, i.e. divide by different investment instruments.

If you are interested in investing, thinking about how to save and grow your money, then you most likely know about diversification. To put it figuratively, you simply “don’t put all your eggs in one basket.” There is a risk that it will fall, all the eggs will be broken, and you will be left with nothing.

If you invest all your money in one project, you may lose it.

Note that when diversifying, you invest not only in different financial instruments, but also in different economic sectors. Let's say, when directing funds to the stock market, form an investment portfolio so that your money works in companies in different sectors.

To achieve maximum stability of your investment portfolio to market changes, invest 20% of your available funds in the banking industry, 20% in the oil and gas industry, another 20% in the manufacturing industry, and 20% in the agricultural or food industry.

If one enterprise (industry) suffers losses, then others will “pull” your funds upward, and the portfolio will not sag.

Principle No. 3. Don't take uncontrolled risks

Risk is the main problem of all investors without exception. Please note that before investing in a particular project, you need to calculate all possible losses and only then the potential profit. Alas, novice businessmen, thinking about how to properly invest, save and increase money, are led by ambitions, do not calculate the risks and enthusiastically, with their eyes closed, wait for incredible financial success. Everything is different in life. Overestimating opportunities, entrepreneurs immediately begin aggressive investments and lose money, instead of following the proven path.

The science of investing, just like any other professional field, requires understanding. Therefore, one should develop in it gradually, starting from the elementary and moving on to the complex.

The highest indicator of financial illiteracy is to take funds at interest and try to quickly increase them using some “win-win” method. The ending of such actions is almost always the same - the loss of the entire amount and the credit burden hanging over you.

Take your time, because if you master the science of investing well, you can make great money in the future. And vice versa, trying to increase money here and now, you risk never reaching a high level of income.

Principle #4: Attract co-investors

As you become a more successful investor, start investing together and forming pools. This will allow you to gain more options and understand what to invest in so that it works for you at its best.

Suppose you managed to find some instrument or project that, in your opinion, is profitable for investment. You have free money, but not in the amount you would like. In this case, you need to find those who are ready to share your investment idea and invest funds on parity terms, jointly.

In the last few years, PAMM accounts have become widespread. When using them, investors entrust the management of their financial assets to a specialist.

Trust management of assets is one of the forms of financial and business relations when one party or organization transfers its funds (property) to another (trustee). In this case, the second party does not have the right to distribute this money or property as an owner. It can only make a profit and receive a percentage of it as a reward for effective management.

Thus, several investors can create a PAMM account together and transfer this amount to a financial asset manager. In this case, investors bear all risks of losses, in accordance with the invested funds.

Investors can agree with the trader (manager) to terminate work on the account in case of loss of money in a certain percentage of the account amount.

So, to summarize this method of investing, we can say that investors are willing to sacrifice, for example, 15% of their funds to receive 30% of the income.

Principle #5: Find sources of passive income

Increasing capital is good. But you also need to create passive income from investing.

Example. You invested 100 thousand rubles and after a year received 130 thousand rubles. That is, they earned 30% on the money invested.

But there is a nuance. No one can guarantee one hundred percent that next time you will earn another 30% in a year. Since the profit here is much greater than the income from bank deposits, and the risks are higher. It is possible that you will lose all or part of your money if things don't go according to plan.

At the same time, if for 100 thousand rubles you managed to secure passive income for yourself, for example, the same 2500 rubles monthly and 30 thousand rubles annually, what prevents you from taking a loan of 100 thousand rubles and investing these funds more conservatively? After all, your asset with passive income of 2,500 rubles guarantees the return of the new amount of 100 thousand rubles taken on credit.

How to quickly increase money: short-term investments

How to increase money in a short time and turn it into an additional source of income? There are proven ways to invest.

Perhaps everyone is familiar with the concept of binary options and financial markets. Many doubt the reliability and honesty of this type of income increase. Doubts are fully justified, but partially.

Is this way of earning money reliable? There is a high risk here. There is only one way to protect yourself from loss of funds: by continuously improving your knowledge in the field of trading in financial markets. If you have little knowledge of this industry, we do not recommend increasing money in this way.

There should be no doubt about honesty. Choose a site based on recommendations from friends, read reviews on the Internet. Give preference to already established sites with a solid reputation.

2. Borrow money at interest

The next option to increase capital is to lend money at interest. If you are not so burdened by moral principles, then you can easily provide loans at 2% daily, turning this into an additional source of income.

Thanks to the correct execution of documents when transferring borrowed funds, you have almost no risk of losing your own money. The worst that can happen is that the money will have to be returned through law enforcement, possibly even through legal action.

But at the same time you can receive an income equal to 700% per annum. The amount of earnings received directly depends on the funds invested. It's safe to say that most of your borrowers have an 80% chance of becoming repeat customers. At the same time, no one will be in a hurry to repay the main debt. Borrowers will only pay interest on the debt.

Another method to increase money. It is not as effective, but more loyal. The idea is that you sell products online. At the same time, you do not make wholesale purchases and do not store goods so that products that interest buyers are always in stock. It is enough to act as an intermediary between the client and the seller.

The essence of your work is to find a buyer and then contact the seller. You bring these two parties together, hoping to make a deal, and get your percentage. The size of your profit will be determined by the number of products sold and the commission that the seller is willing to pay. This is the best way to increase money if you do not have a large amount to invest in large-scale projects.

Let's look at debit cards first. Today, many banks, trying to get as many customers as possible, offer to issue a debit card with cashback of up to 5% on all purchases and 10% per annum on the balance in the account. Thus, apart from issuing a card at the bank on favorable terms and further using it, you don’t need to do anything special.

At first glance, the amount is insignificant. On average, 600–700 rubles come out monthly. Now calculate how much you will receive in a year. Nice, isn't it?

How can you make money using debit and credit cards at the same time? Your task is to issue two cards at once in the same or different banks. Debit must be issued with a percentage of the balance, credit - with a limit equal to your monthly income.

Make sure your paycheck goes to your debit card. After you receive your first salary, do not rush to spend it or withdraw money from your card. Let the entire amount remain there so that you can earn your interest. And in everyday life, use a credit card, paying for purchases, housing and communal services and all your expenses. Interest does not accrue on it for, as a rule, 55–100 days. When you receive your next paycheck, top up your credit card balance and use it again.

What is the result? Every month you earn interest on your debit card balance and pay nothing for using credit money.

How to increase money without risk

Long-term investing is a safe option where you can increase your money. This method is suitable for those who are ready to invest their own funds for a long period in order to get maximum profit in the future.

Where else can you invest money to increase it?

1. Life insurance

Have you ever thought that, God forbid, an accident would occur and as a result you would lose your ability to work? Of course, someone will say that nothing like this will ever happen to him. But life is unpredictable, and things don't always go the way we want.

Dear readers! Don't tempt fate and invest in insurance as the foundation of your security. To insure financial risks, there is “accumulative” or “risk” insurance.

We understand why it is needed. Now let's look at its main types.

• Endowment insurance. This is a financial instrument that allows you to accumulate savings and at the same time protects the investor during the entire period of insurance. How does it work? You come to an insurance company with a reliable reputation, create a personal financial plan and deposit funds in equal installments over a set period. Over time, capital grows, in other words, it works.

  By a specific date, you receive all your savings, and until that date, your life and health are reliably protected.
  It must be said that the risks covered by the insurance also include disability due to illness and compensation for treatment in the hospital if you stay there for more than 7 days.

• Risk insurance. You buy an insurance policy for a certain period, usually for a year. Risk insurance regulates all insured events and the amount of payments for them. This type only covers financial risks for injuries caused by an accident.

Insurance can be both cumulative and risk.

Advantages:

• You have funds for unexpected situations along with good savings (if you use endowment insurance).

Flaws:

• You lose money once and for all if the insured event does not occur (if you use risk insurance).
• The interest rate on the savings portion of your funds invested in insurance is low.

Everyone knows about this method of investing. It has been known since time immemorial. Silver, gold and platinum will never depreciate in value.

Buying precious metals allows you, first of all, to avoid inflation and loss of your funds. This is due to the fact that banknotes have always been correlated with gold. It was this metal that acted as a guarantee of funds. However, in the second half of the twentieth century, this link was canceled, and money became valuable in itself.

How can you profitably increase your money by investing in precious metals? There are several options. Here are the most common:

• purchase of precious metals in bullion;
• investing funds in impersonal metal accounts;
• purchasing futures on the stock market or shares of relevant enterprises.

The first method is extremely simple. All you need to do is just go to a bank that has a license for operations with precious metals, for example, Sberbank, and buy bullion there. The other two methods require some minor comments.

Unallocated metal accounts are bank accounts that reflect the precious metal purchased by the buyer in grams. However, it does not indicate individual characteristics (sample, manufacturer, serial number).

To purchase precious metals, you need to come to a bank branch and open an appropriate account there.
A futures (for gold or other metals) is a contract for the supply of these materials in a specified quantity. When you purchase a contract on an exchange, you indirectly become the owner of a shipment of precious metals.

Advantages:

• Stable investments and safety of funds from inflation.

Flaws:

• Loss of precious metals prices with the growth of speculative assets.

An excellent option for investing free money for those who love art and have good financial resources. As we know, antique items, paintings and sculptures by famous masters are becoming more expensive every year and can cost several tens of millions of dollars per collection or even one item.

Everyone knows the painting “Black Square” by Malevich, “Sunflowers” ​​by Van Gogh, and the collection of Faberge eggs. It is important that the law recognizes as antique any product whose age is over 50 years, although not all of them are valuable. These are considered old objects that are significant from a historical, artistic and cultural point of view.
You can increase your money if you buy antiques recognized by famous collectors, scientists and artists. You can purchase or sell such products and other objects of art at special exhibitions and auctions, in specialized stores.

Be careful because scammers don't sleep. Only an expert who has specialized equipment can accurately determine whether an item is genuine and how valuable it is. If someone asks you to invest in supposedly antique items, take the time to determine for sure whether they are antiques.

Advantages:

• Over time, the cost of products increases, and this is an excellent opportunity to preserve and increase capital.

Flaws:

• Relatively low liquidity, risk of buying a counterfeit item.

4. Investing in collectibles and rare items

Continuing the topic described in the previous paragraph, we will also consider the issue of collectible and rare items, since they are also valuable, and their value can increase over time.

Let's say there are fan clubs of some famous person, for example, an artist or a football player. In these communities, all celebrity belongings have a very high value. Such items for a narrow audience may be considered even higher than money, while for the common person they are completely unimportant.

For example, David Beckham's sneakers or Lady Gaga's concert costume can hardly be called an antique or highly artistic item. But for fans these things are of high value, and therefore they will not hesitate to give money for them.

There are also lovers of history or any subject area, for example, collectors of coins, old records, etc. If you know where these things are in demand and understand them, you can invest some part of your capital in purchasing them .

If, for example, you are planning to travel abroad in the near future and visit places where celebrities have been or currently live, take the following advice into account. Buy things related to these people's lives, personal or creative, and sell them for a good markup when you return.

There will be no problems finding buyers: fortunately, there is the Internet and numerous thematic forums.

Advantages:

• The opportunity to quickly receive a high income from the resale of a valuable item.

Flaws:

• Relatively low liquidity and lengthy search for a client.

5. Purchase of patents, brands, trademarks (intellectual property)

Most likely, you are aware of the possibility of obtaining a patent for any invention or technology. Why is this necessary? As a rule, to ensure that no one other than you can use this item without permission from the author.

Buying intellectual property is another great option to increase capital.

Everything is exactly like that, and the best thing here is that the author, most likely, will not refuse you. On the contrary, he will be very happy that you will use his technology or invention. But there is one condition: every time you receive income from the invention, a certain percentage will have to be paid to the copyright holder.

What if you can't invent something? The answer is obvious: acquire the technology in the form of a patent. In this case, if someone introduces an invention or technology into the production process to make a profit, you will receive a percentage in the form of passive income.

This is a great way to increase money. Investing in intellectual property should be done by those who know who may be offered to use the patent in the future.

Note that the situation is approximately the same with the trademarks of well-known brands. For example, the most valuable global brands now are Apple, Google and IBM. If you have a good understanding of business and marketing, then you are more likely to invest in a promising growth enterprise. And only then it will become a source of large income for you, while at the same time increasing in price due to an increase in the value of the brand, an intangible asset of the company.

An intangible asset is an item of intellectual property that generates income. At the same time, it cannot be “touched” in the literal sense of the word (a well-known brand, patent, technology, idea).

Advantages:

• Possibility of receiving passive income or making money by reselling a patent (trademark).

Flaws:

• There is a possibility that you will not find buyers (tenants) of your intellectual property.

You can develop a similar project yourself and make a profit from it, as well as invest in a startup. If you have already launched an Internet project that regularly generates income, then you can simply invest your own funds in it and become the owner.

What is called monetization of a project? Actions that the project owner performs to make a profit from it. The concept of “monetization” is usually used for Internet projects. For projects in the offline environment, the term “commercialization” is more often used.

A startup (from the English “start-up”) is a commercial project, usually with minimal investment, which is planned to be launched and repaid in the shortest possible time. In this case, you acquire a ready-made business that consistently generates income.

But don’t forget: if you don’t know much about Internet projects and technical details, then be sure to find an assistant - a project manager.

A manager acts as the hired leader of your business. He can work on a project independently, supporting its vital activity and developing it. If the project is large-scale and involves the participation of multidisciplinary specialists, the manager can hire assistants, creating a team.

You have the opportunity to create and promote your own project, and then sell it or do something different - purchase a ready-made project that makes a profit.

For the purchase and sale of Internet projects there is a well-known exchange telderi.ru

Investing online is another effective way to learn how to attract and grow money and make it work for you.

Advantages:

• Low investment with high profitability. A project in which 100 thousand rubles are invested can bring you 10–50 thousand rubles monthly in the form of passive income in six months.

Flaws:

• You need special knowledge. If you don’t have them, you’ll have to hire professionals, which costs money.

You go to work every morning, day after day, year after year. And your whole life is more like Groundhog Day. Every day is similar to the previous one. You safely spend all your income received at work on life. The result is a vicious circle. What's next? - you think. Something needs to be changed in this life. One way to break the current situation is to invest.

After all, what is investing?

Investment is investing money today in order to receive it tomorrow, but in larger quantities. Or receiving permanent passive income from funds once invested.

Of course, you won’t be able to find a large amount right away. Most investors start with very modest amounts that they manage to save from their salaries. The main thing here is consistency and time. Taken together with these parameters, any, even insignificant, capital can grow into a fairly decent amount, allowing its owner to receive a very good income that will exceed your current income. Please note that this will be completely passive income, generated with virtually no participation from you.

Beginning investors face many questions, the main one being where to invest. Especially if we are talking about a very small amount of money. It is the limitation on the volume of invested funds that makes its adjustments to possible investments. But nevertheless, even with little money, there are many ways to earn and increase your hard-earned money.

6 ways to invest money for a beginner

Investing in bank deposits

Bank deposits or deposits are the simplest and most reliable type of investment. When you open a bank deposit, you will know in advance. what income you will receive at the end of the term. And most importantly, GUARANTEED INCOME. Deposits are practically the only financial instrument for which the profitability is known in advance. Other investments do not carry such a guarantee. In them you can both earn and lose. Also, do not forget that the safety of deposits is guaranteed by the state (in the amount of 1.4 million rubles). If the amount exceeds this threshold, then it is better to open several deposits in different banks.

Bank deposits are used mainly as a means of initial capital accumulation. When a certain level of funds in the account is reached, other investment opportunities become available to the investor. Why? The answer is quite simple - very low profitability. Typically, deposit rates are within the inflation rate. Therefore, it is unlikely that you will get rich by investing in deposits.

Currency deposits

In the context of a difficult economic situation in the country, foreign currency deposits again began to gain popularity. The ruble is rapidly losing its position compared to other financial payment systems. And in order to somehow preserve their savings, deposits in foreign currency are used. And although the yield on such deposits is quite modest, around 2-5% per annum, real earnings can exceed the current yield several times. Due to the weakening of the ruble and, accordingly, the strengthening of the currency.

It was foreign currency deposits that were the most profitable over the past 5 years among the main types of investments. Those who opened similar deposits several years ago have already earned more than 230% profit. For comparison, simple ruble deposits for the same period showed a return of 83%.

Investments in mutual funds

• possibility of investing small amounts
• tax exemption
• no need to store at home, exposing the risk of theft
• can be bought and sold in parts, if necessary

Other possible ways of investing in gold (buying bars, gold coins) have exactly the same disadvantages that are the advantages of compulsory medical insurance.