Hello dear readers! Earlier, I already created a post where I suggested thinking about where to invest a thousand rubles. But it was more of an experiment than a real investment. It would not be possible to wait for high earnings from such an investment. But what will happen if we significantly increase the amount of investments, say, up to 300-400 thousand rubles? Where then to invest to earn?

Options

1. Own business. 300 thousand rubles - the amount is quite sufficient to start your own business. With this money, you can, for example, open a small shop with consumer goods or engage in private transportation by buying an inexpensive car.
2. Investing in securities. Buying stocks, bonds, futures and other securities is a relatively safe and fairly profitable investment. If you do not count on short-term profits, but are ready to forget about funds for a while, then this method is suitable.
3. Banking gold. Another long-term investment tool, primarily aimed at those who do not pursue special earnings, but prefer security. Precious metals are now steadily rising in price, which makes them one of the most reliable ways to invest.
4. Purchase of land. current trend is such that investors are now looking more and more towards buying land - good prospects and less fuss than with real estate. With an amount of 400,000 rubles, you may well become the owner of a plot of 15-20 acres (although location is of great importance here).
5. It is also worth mentioning PAMM accounts, individual trust management and classic bank deposits. With their help, you can also save and increase your capital.

I would simply keep them in the bank in a dollar deposit. Not the money that you can lose without regret if the broker loses.
Bank gold is also a good option.

Investing in physical banking gold has some disadvantages. First, gold is sold at an 18% markup. This is VAT, which is excluded from the price when selling gold back to the bank, and secondly, the bank takes a commission from the client for the sale of physical metal, and you will also incur additional costs for organizing transportation and storage. From all these shortcomings, investing in depersonalized metal accounts is free.

Squirrel, especially recently, the work of brokers in the CIS market looks very unstable. And it is best to keep in several state-owned banks, at least somehow diversifying deposits. Let the profit not be high, be no more than 1% per month, but the probability of losing everything is minimal.

I would also just put money in the bank and get my small but stable 10-11 percent per year. 30-40 thousand for nothing and with virtually no risk - not bad, right? Gold is already a less stable option - it still does not have such stability due to the exchange rate, and it is sold at a premium.

I would take a used foreign car for 300k, add something new, correct it, correct it. And I would sell it with a markup of 15-20%, although 10% is more realistic. And the business idea is also real.

Indeed, it is best to put this money on a deposit at a favorable percentage with the opportunity to withdraw interest monthly and thereby provide yourself with a kind of safety cushion. And with such guaranteed monthly cash receipts, you can already do business much more calmly.

I wanted to invest my money in real estate, I thought about buying and renting an apartment, but I found the best option— investment company Stolitsa. Interest per month is much higher than I could get for an apartment, professionals work.

Into your training. I recommend courses Business Youth.

Pavel Dobry

Is gold rising? didn't hear. After growth during the crisis, there is nothing like this for a long time. I would invest in the monetization of the site.

Education is, of course, a very good thing, but unfortunately it does not always give a momentary return, and sometimes you won’t get any return at all, because a lot depends on whose education the money is invested in. So it is better to find a more reliable object for investment.

iriver, of course, the deposit should be divided into several parts. In addition, it is not necessary, in my opinion, to keep all the money in one specific currency.

In my opinion, it is worth keeping money in the currency in which you conduct your business. Otherwise, considerable losses on currency conversion are inevitable in case of an urgent need to put money into circulation, and even dual-currency baskets, which were very popular at one time, do not save today from sharp fluctuations in exchange rates.

With this amount, you can buy a piece of land and start arranging it. Gradually investing money in it, conduct electricity, gas, build a house. That is, slowly but surely increase the cost. Improve the territory, plant trees and flowers. Give a presentation. And then sell. And the money is invested, and in any scenario you can earn.

For the specified amount, you may purchase a plot of land, all other arrangements will be associated with additional costs and very small, even dispersed in time, so it’s far from certain that when you sell the plot, you will be able to recoup all your costs, although the sale amount of course may exceed the initial cost of acquiring the plot.

I write that with this money to buy an empty plot. And then invest more and more. Because the supply of gas, and electricity, and so on, costs a lot of money. But these expenses are spread over several years. As a result, the money will not be wasted. And the fact that the house with the plot is for sale is a fact. Many families with maternity capital. It serves as the foundation. Then they take out a mortgage and buy a house.

So the fact of the matter is that after the arrangement of the site and the costs associated with it, it may turn out that the price offered for it will not cover all the costs incurred, taking into account the cost of the site, unless it is located in some prestigious area or something like that.

The benefit or loss from such an investment cannot be accurately calculated. But in any case, it will already be your own property. From which you can receive, if not income, then pleasure. Live by yourself, rent or sell - the choice is great.

In my opinion, it matters what kind of money it is, the latest or money for development. If the latter, then it is best, as already written, to put in the bank, at least until there is a proven idea where to invest. If this is a certain part of the money, then you can invest in a business kiosk, the provision of services, but before that you need to study the demand for this business: competitors, customer base.

Many people treat investing with a certain skepticism, realizing that for passive income you need to properly plan the investment structure, and the amount you need is appropriate, otherwise it will be almost impossible to achieve your goals. Many are sure that if a certain amount has accumulated Money, then it is better to just put it in the bank. So you can get a kind of perspective on the stability of interest, albeit insignificant, and you can also be sure that the funds are saved. There are two main problems in investing - the amount of capital and risks. If it is possible to accumulate funds, and there are different methods for this, then it is impossible to hide from risks. Even deposits in a bank have their own risks, since, in fact, the bank can go bankrupt, and subsequently it will be extremely difficult to withdraw your invested funds.

Some investors claim that the most reasonable solution would be financial assets - securities, shares. Naturally, the profit of such investments is sometimes undeniably high, but there are risks that can deprive you of all the money you have earned. Others claim that the best solution would be the acquisition of real estate. As a rule, such an investment will be the most respectable and profitable. First, you will have a stable property. Secondly, its cost, especially in large cities, is growing all the time. Accordingly, you can count on the long term. At the same time, keep in mind that you can also earn a very significant amount of money by renting out the premises. That is, in fact, earnings are very significant.

But, and here there are some nuances. For example, the cost of an apartment may, on the contrary, fall sharply, especially if you purchased it in an industrial city where the enterprise may stop, jobs will be reduced and then the demand for real estate will fall sharply, which will provoke the formation of its illiquidity. In other words, there are no investments without risks. Even opening your own business with the accumulated funds, you take risks. Of course, you will do everything yourself and will put maximum effort and diligence into your business. However, a larger company with the same offer may enter the market, causing yours to become less relevant. This can lead to bankruptcy, etc.

If you have accumulated funds and are well aware that you need to make them work, then you need to start by exploring the most profitable options for investing. Believe me, such issues are not resolved instantly. You need an assessment, an analysis, a study of trifles and details, an assessment of the opinions of specialists, etc. While you are carrying out such actions, you can put money in the bank for a short time. Nevertheless, you still have to carefully evaluate different proposals, because this is the only way to choose the optimal and less safe result.

What is investing and what benefits do you get

Investment- this is an investment of funds in a promising project in order to obtain additional profit. At the same time, it is necessary to comply with the following rules:

• Search for options that have minimal risk parameters. That is, an assessment of the prospects and profitability of the project, taking into account certain points and economic factors;
• Evaluation of stable dynamics of profitability, if an investment is being made in production and industrial processes;
• If the investment process is carried out as part of opening a business - drawing up a plan, assessing the level of competition, as well as the demand for the intended products or services;
• The choice of investment option, taking into account the concept of processes. That is, it is recommended to invest your funds exclusively in those projects in which you understand all the nuances of the dynamics of development and profit;
• Mandatory assessment of the reliability of investment. Today, a fairly significant number of Internet projects have appeared that suggest that making a profit is possible through investing in a startup and HYIP. Many of these projects have minimal development prospects.

The very essence of investing is to not only save the amount of money that you have accumulated, but also to get prospects for the growth of your opportunities. It is human nature to strive for the best. There are many investment tools that you can use if you want to make passive profit. But right away it must be said that it is simply impossible to take and become a successful investor. First of all, you need to get information:

• There are a lot of books that can help you evaluate in more detail all the nuances and features of investing and select the best projects, taking into account certain opportunities and economic factors;
• The network has a lot of specialized Internet resources, the use of which allows you to get prospects for the active growth of knowledge. These sites not only provide basic information on the structure of investment, but also can help you choose the best tools through which the choice of direction for investments will be simpler, more rational and thoughtful;
• There is a fairly significant number of videos in which already experienced investors share their secrets, tips and recommendations on investing money in one direction or another. Such videos can actually help you get enough deep knowledge through which you can independently analyze projects and evaluate the rationality of investing;
• Seminars, trainings and courses. There are just an incredible number of such options for training programs on the network. There are free courses and paid options. You need to use them to increase the level of knowledge in order to be able to competently and correctly manage your free funds in the future.

The main aspects of investment are:

• Risk assessment. An analysis is immediately made of what consequences the investment may have. For example, if we are talking about starting a business, a project is drawn up and on the basis of it all negative factors are analyzed;
• Benefits assessment. The possible amount of profit is necessarily estimated, which is further compared with the risks, and on the basis of the data obtained, the final decision is made. For example, an investment in a business will allow you to return the funds within three months and generate additional income in the future. Taking into account the risks that you think. - minimal, such investment is rational;
• Duration estimation. Let's say right away that there are long-term and short-term investments. If we are talking about minimal investments, then it is best to give preference to short-term investments. For a beginner, this is the best option. Long-term options require detailed assessment and study, such options are endowed with serious risks;
• Evaluation of modern projects. Each project in which you would like to invest funds should be studied in detail. Here you analyze all the nuances, calculate the risks. For beginners, it is recommended to make several small investments at once in various directions in order to get the maximum profit benefits. If one project fails, the second can recoup all costs.

TOP 10 profitable ideas

1. Investments in innovative projects. The payback of such investments is very significant, especially if the project is chosen wisely. Here it is very important to study all the nuances, evaluate the implementation structure, the prospects for the perception of the target audience, etc. Previously, such investments were perceived extremely negatively by investors. Today, this aspect has crazy aspects of relevance. Projects on telephony, bank cards, game content are especially profitable. But keep in mind that the risks will be quite significant. So, the best solution would be to invest in different projects for a small amount. If you take several training courses, then you will learn how to earn money with minimal risks and evaluate projects for prospects;
2. Investments in "business with China". If you have accumulated an amount of 300-400 thousand rubles, then this business option will actually be very profitable. Through specialized resources, the procedure for the purchase of actual goods from China is carried out. In our country, such goods are sold with a markup of up to 700%. Accordingly, the initial funds can be multiplied many times over. At the same time, the most important thing is to create your own platform, on the pages of which the implementation will be carried out. As well as the implementation of the process of popularization of proposals. As trading platform social media pages can be used. An equally important point is the choice of a product that can actually become the basis of significant demand. There are plenty of additional marketing tricks through which you will carry out the process of quick sales. The organization of trade on a social network will eliminate the need to go through the state registration procedure, which means there will be no need to pay taxes;
3. Investments in Internet projects. There are many talented people - bloggers who, unfortunately, do not have own funds to create projects. However, they have brilliant ideas, the implementation of which can become the basis of incredibly substantial earnings. As a rule, a project is drawn up, on the basis of which actions are subsequently carried out to attract investors. There are specialized services where young professionals seek to attract the attention of investors to their projects. You need to register on such a service and track offers. Practice shows that such projects can later earn substantial profits through advertising. As a rule, a structure is formed when the investor subsequently receives more than 50% of the total profit from the project;
4. Buying a franchise. You can acquire, in fact, a business that will become the basis of profit. You acquire a trademark and a method of work. On the basis of which, you immediately get the most significant interest from potential customers or buyers. Such an investment contributes to the expansion of your opportunities. You buy reputation, recognition and relevance, and accordingly, you can immediately count on a significant influx of relevance to your undertaking;
5. Creation of own Internet project. This business option is very promising. If you can attract the maximum number of visitors and users to your project, this will become the basis for the active growth of the interests of potential advertisers. Accordingly, in the end, you will get the opportunity to earn with minimal investment. In fact, you will pay for the production of the site and its content. In the future, you can hire an administrator and a copywriter to fill the site all the time, make a competent promotion process, and receive passive income from advertising;
6. Acquisition of securities. As you already know, this option is considered long-term and at the same time, you should deeply study the history of existing companies, the growth prospects of certain securities, etc. That is, such an investment can increase your capital by 100 times. But, not the fact that you will be able to make the right purchase. The balance of the financial market is quite unstable, which means that you need to have deep knowledge and experience in order to choose the right securities, the price of which will not be overstated and in the future they can become the basis for obtaining significant profits;
7. Opening your business. Here it is necessary to immediately say that such an option for earning money at first simply cannot be passive. You will have to work out a business plan very clearly and accurately. It will also be necessary to correctly assess all development prospects against the backdrop of competition and demand from potential customers and buyers. It is very important that you take into account all the important points, risks and dangers in the plan. You should also be very careful when choosing a place where your office will be located. That is, there is a very significant number of things to do, the work will not be easy. But, if you approach the matter competently, then within six months you will be able to return the invested funds, and you will also be able to start making significant profits. Less significant risks appeal to trade - cigarette stalls, food pavilions, duty pharmacies;
8. Forex. Earnings of an active format, but requiring quite significant investments. The structure of earnings is based on the implementation of bets on currency pairs. In fact, you earn on the fall or rise in the price of a particular currency. The risks are very significant, however, and the benefits are many. Within a few days, the amount of investment can be multiplied several times. However, you can quickly lose everything;
9. Deposit investment. Naturally, against the backdrop of recent events in the world of the economy this option is the most adequate and acceptable, especially if you need passive income and you are not going to open your own business. There are an incredible number of banks that provide deposit programs, as well as the programs themselves. You need to competently approach the choice, taking into account the stability of the bank, and after opening a deposit, you can count on receiving interest;
10. Buying a currency. Many investors are engaged in the fact that they carry out the process of buying a large amount of currency at the time of its fall, and at the time of the optimal peak they carry out the process of its implementation. In fact, you can earn from 20 to 40% of the total investment amount within a month. However, such a business has a lot of pitfalls. Among other things, it requires very deep knowledge and experience in the financial sector.

There are a number of rules that must be followed if you are going to make rational and profitable investments. Each investor must understand the formation of the dangers of losses, therefore, it is necessary to correctly evaluate all the nuances and features of certain projects:

• Try to never invest in one project. It is the competent distribution of funds that eliminates the possibility of serious losses. Basically, if you go through the process of investing in multiple projects and one of them succeeds, then you get the benefit of overlapping your risks;
• Invest only available funds. If you do not have them, then in this case you should not get into loans. You should not invest if you have money, but you may need it soon;
• Control your risks. Each project must be properly evaluated by you in all positions. Detailed study allows you to actually get the prospect of eliminating risks. Beginners often make decisions that are not deliberate, focusing solely on the fact that the profit is significant. That is, a decision is made based on the fact that a significant profit is offered. It is necessary to evaluate development priorities and minimize risks. Accordingly, miscalculations must be clear, accurate, actions must be taken to verify partners;
• Try to display the body of the contribution. After receiving the first profit, it is recommended to leave the profit in business, but the funds - the basis will need to be withdrawn. For example, if you entered an amount of 100 thousand rubles, and earned 20 thousand rubles, then you will certainly need the body of your investment. Leave the amount of profit and the way it will already be the basis for obtaining additional, further profit;
• All decisions that you make on the issue of investing funds should be thoughtful and rational. Try to exclude investments in offers that have dubious nuances. Also, try not to participate in those projects that are casinos and financial pyramids.

The most important thing is to carefully choose a project and not make rash decisions. Most often, investors lose their funds for the reason that they turn their attention to projects that promise very significant profits, while there are certain negative aspects, for example, the prospect of a real loss of investments. Evaluate the project not by the expected profit, but by the parameters of the absence of risks and the advantages of development prospects. This approach will eliminate all the negative consequences of the loss of funds.

Risks and pitfalls

We will certainly say that the instability of the economic situation leads to the fact that there is a very significant probability of losing all the accumulated funds. Of course, you can carefully deposit money into a bank account, but you should not expect large profits from this. Accordingly, you need to look for solutions that could help you invest and receive a significant inflow of funds, and with minimal risk. Not all projects you invest in will be successful. But with proper distribution of fixed assets, you can minimize losses and cover them by making a profit from other projects.

Naturally, it should be noted that investments in real estate were actively developing earlier, since in this case an opportunity was formed to receive a stable profit in the future with minimal risks. But, in the sphere of recent events, investments in Internet projects have become more effective, and they have a serious amount of risks. Among other things, in this area there is a fairly significant number of scammers.

How to recognize scammers? Firstly, their obsession with sentences is immediately striking. The person is trying to scam you into an investment as quickly as possible. This often refers to the limited supply, the fact that tomorrow will be too late, etc. Remember, until you have done your own evaluation process, investments should not be made. With such persistence, it is better to form a refusal. Promises of fabulous profits and the lack of clear contact information about the company should also alert. We also recommend that you always study reviews about the work of a particular company on the network.

Is it worth investing

Of course, after reading numerous stories about bad investments and fraudulent divorces on the network, the question arises, is it worth investing at all? Maybe a bank, or real estate? In fact, rather risky investment options are indeed formed in the network. But, on the other hand, they have rather high relevance parameters. The thing is that this way you can earn quickly and a lot.

Risk is a common thing for investors. If you are not ready to take risks, send your money to the bank. But remember that the profit from the deposit will be minimal. If you still want to increase your capital, pay attention to different projects. Learn the features and nuances of investing, learn how experienced investors check projects for risk. Most importantly, never make rash and quick investments, since in this situation you are unlikely to appreciate the real risks, and you are unlikely to be able to prevent them. This means that any investment must be justified and thoughtful. Then it can become profitable.

Where to invest 400 thousand rubles

Profitable money is the right capital. Keeping funds at home is not advisable and unsafe. For enrichment, you need to invest in projects, business. Bank deposits, in extreme cases, are more like savings from inflation. A contribution to certain areas will help to make a serious fortune. It is not necessary to have millions, a small amount is enough.

Many do not even think about investing. Fear of risk repels. You have to force yourself - with every penny lost, there will be experience. All wealthy people lost, but eventually became financially independent. If fear prevails over you, contact the appropriate companies.

This text provides examples where to invest 400,000 rubles, the most popular and productive. Take action and everything will work out.

Deposit accounts.

The method for increasing funds is not entirely suitable. Rather protect and secure finances from economic crises. Banks offer a wide range of services in this area. With different interest rates and duration of the deposit. You think, but you won’t be able to make money with this method. Sign: opened an account for 1 year at 10%. The deposit amount is 400,000 rubles. Income for the period will be 40 thousand, inflation in the country is 12%. Loss of 2% of actual money. But it's safe.

PAMM accounts.

Funds need to be raised. The question of where to invest 400,000 rubles, PAMM will help you figure it out.

Knowledge is needed to distribute and manage finances. No experience, find a person who knows the direction or company, entrust him with savings. Let them work, and you get dividends.

The method is suitable for those who do not know how financial markets work. A PAMM account is an association of an investor and a trader to make a profit. Contributor - provides components of the budget. The second brings money to the market and earns.

Let's write:

• Manager, opens an account, looking for investors who are ready to invest in PAMM
• Investors wait for the end of trading, receive their profit

Income is distributed proportionally, from the amount of investments of each of the participants. All work with money will be displayed in full. If the account manager is not competent in matters of trading, you can go bust. Otherwise, the income for the year will be up to 100% of the invested funds.

Thinking about where to invest 400,000, the choice fell on a PAMM account. What to do next?

The main thing is to choose a professional trader. You risk your money, haste is not acceptable. Managers are presented on the site, with a complete list of their work. Attention, get acquainted with the percentage of profitable transactions, its rating (top 20), how relationships are formalized, the amount to be invested in the account.

Only then feel free to invest. The income from this type of enrichment is decent.

Investment in shares.

Everyone has heard of the stock market. It is a mistake to understand: this method is suitable only for wealthy people. thinking where to invest 400,000 rubles to earn I suggest this method. There are markets offering low value stocks. Such securities may not bring profit, on the contrary, you risk losing everything. On the other hand, shares at this price can be sold more expensive. By purchasing a block of shares, become one of the managers of the company. Mono choose: to receive dividends from the activities of the company, while remaining holders. Or put the shares up for sale. The method will allow you to become a wealthy person. Such investments are uninhibited. You can't get rich without risk. Earn on financial markets difficult. Become an experienced and knowledgeable trader, be able to buy and sell, earn millions.

There are 2 types of shares: high-order - the investor becomes one of the founders of the enterprise. Getting profit from business. Low order - securities are subject to sale or purchase. You decide. Either way, there will be profit.

Investments in NSZh.

Cumulative life insurance - insurance and capital accumulation, a long-term investment, is just right for an amount of 400,000 rubles. We are not eternal. We must think about what will be left for our relatives after us. Insurance companies will help, save and increase money. Let's consider this method in detail.

By signing the contract, you get a policy, a kind of piggy bank. The company performs the following functions: it insures life, pays compensation in case of illness, and in case of death transfers savings to the heirs.

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂

There are a lot of investment options! Not all of them are effective, and what to hide, there are often simply fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀

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 our 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 amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

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

Get comfortable and we'll get started! The article turned out to be a bit 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 ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and losses!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

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

But in any case, who does not take risks, he does not earn. 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.

And 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 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 (currency market, cryptocurrencies…) — 20% of all funds.

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

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

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still 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 investment rules!👇

2. Where is it better 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 money so that they generate income!

I will immediately share with you, using my personal example, one rather profitable investment that allows you to receive much more than ordinary bank interest. 😉

Pamm-account "Arslanov Fund" and its profitability

Another PAMM account that I invested in 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 lower risks) as the previous one, nevertheless, for 5 years it brings investors "clean" every year near 60-80% . Agree very well! 😀

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

For the time being, I am only looking at other PAMM accounts, so far, in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article.

However, although in this way you can earn quite significant amounts, nevertheless, you should not forget about the risks. Still, invest in PAMM accounts no more than 25-30% of the total amount of your investments (at the same time, also distribute the risks among the 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.

And now we will consider separately each of the options where you can invest money.

Option #1: Bank deposits/savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 4% to 8%.

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

How to make money on the growth of stocks - an example of Google

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

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

☝️ In addition, if you invest money for at least 3 years, you can get 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 of course, there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis ! In the rest of the time, the shares as a whole are growing 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 position of the company in the market.

Also, as an option, 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 (US 100 high-tech companies).

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

You can easily invest in stocks through.

CONCLUSION: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

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

Option #4: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

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

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.

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

💡 More than $2.5 million , its profitability for 5 years amounted to over 135 thousand percent.

However, it should be taken into account that despite the fact that accounts/portfolios have shown good returns in the past, there is always a possibility that they will turn out to be unprofitable in the future.

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

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

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

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

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

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

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

Here I want to tell you a few words about the so-called "structural products", because they are also directly related to trust management. Income here, as a rule, is not the same as Pamm accounts can give, 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 up to 100-200% per annum with minimal risks (the 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, as 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 terms of trading volumes on the Moscow Exchange with maximum AAA reliability.

✅BCS offers investments in Gazprom shares with a guaranteed return 10% per annum(even if their price falls) and 100% capital protection. In the event that the share price rises, then you can even get 14% per annum .

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

Investments are calculated 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. Particularly suitable for beginners.

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and more	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By allocating funds to the most efficient managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade 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 big banks invest their money? Mainly in bonds! Yes, they give 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 investing. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

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

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

You can also consider bonds of large reliable companies - the rates on them 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, large funds can also be invested 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 also note that there are bonds, the yield on which can be dozens And hundreds of percent . But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought without the need to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and more)	depends on bonds (very low for government bonds)	7-12 years old	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 returns compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for low-rated bonds). The lower the credit rating, the less confidence in him.

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 bought 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 for 1 dollar, and you sold dollars.

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

On Forex, you can trade both yourself and give money to professional traders (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 . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

It is important to note that when trading personally, you need to follow a proven trading strategy, otherwise trading is likely to 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 the strategy, then you can really 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), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

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

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

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

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

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

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

I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires 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 preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

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

Think about it, maybe you always wanted to open your own auto shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. On initial stage business development do not immediately invest a lot of money.
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 business in the service sector.

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

Examples!
It is easy 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). I just started with this! 🙂

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While both 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 customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

CONCLUSION: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and more	High risk initially	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 yields among all investment instruments.	(+ ) It is easier for businesses to find partners and/or co-investors. You can start without large investments, the main thing in business is an 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 the business and understand how it works, even if you invest in a "foreign" business. You need to constantly learn.

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

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

Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a 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 give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, 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.

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

If this type of investment is right 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 the 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. In the absence of a crisis, they usually also bring good returns.

Yield:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average return exceeds interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) There is no guarantee that you will receive income. There is an additional "commission" (surcharge) for buying/selling units.	(- ) You will have to pay a 13% income tax - many other investments have preferential taxation conditions.

Option #9: Microfinance Institutions (MFIs)

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

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 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 in bonds or in a bank at interest.

If you still decide to invest in an MFI, then be sure to choose a trusted company that has been operating on the market for more than one year.

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!😉

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Yield:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFIs are allowed to attract from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case 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. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

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

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

Gold prices - chart

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

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has significantly fallen 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 in order to save.

Yield:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is practically no risk of depreciation of gold. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 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 more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago when bitcoin was worth about 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 crash. 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 grow in price.

Especially while cryptocurrencies show 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 tool.

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Yield:	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 high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In the case of the growth of cryptocurrencies, it is possible to multiply the invested funds in a short 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 grow in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. The complete absence of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

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

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

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

WITH 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Earnings on sites are suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

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

Publics with relatively small investments pay off very quickly. Although now the competition in the public is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then 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 who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

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

But in this case, the main role is played by experience, without it, nowhere!

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

For example, projects that are engaged in the exchange of electronic money(in fact 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 through exchangers. By the way, you can also buy bitcoins with the help of exchangers.

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

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

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 the sale of air tickets are quite popular, here you can get 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, it is the idea that plays the key role - the success or failure of the application depends on it.

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

Such HYIPs offer very high interest (1-5% per day) on the invested funds, but of course they can only function for 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, respectively, is several times / tens of times lower.

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

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in 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 give high returns with a minimum investment.

Yield:	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 yield. 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 shoot and will not pay for itself.	(- ) knowledge is required. You need to be well versed in the key nuances of the Internet 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 tool.

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 very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

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

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

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

CONCLUSION: Yet venture capital investment is underdeveloped 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!

Yield:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (in venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widely developed - investment sites may turn out to be financial pyramids.

Option number 14: Art objects

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

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 of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order 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 cost more over time.

And the crisis practically does not affect the value of art objects.

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

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and more	minimum	usually 1 to 3-5 years	from 100 000 rubles and more
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get a relatively high return with minimal risk.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investments in art require a large initial capital and involve long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option #15: Knowledge and personal development

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

It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.

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

In addition, often in order to learn something, no investments are 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 them in your development: attend trainings, webinars and seminars.

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

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

CONCLUSION: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍

Yield:	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 them into money.	(- ) For many, it is difficult at the first stage to motivate yourself to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules for proper investment - 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 properly!

First What I talked about at the beginning of the article is not to store all your eggs in one basket. Especially this rule concerns you if you have big money to invest.

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

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

Second— try to invest most of the funds (40-60%) in assets with the least risk, the best choice between return 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 poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is an already tried path, in which a huge number of people have lost 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 particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.

It will also be great if you learn how 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, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. 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 in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. In extreme cases, 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 to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

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

Also a relatively small amount by the standards of investment. 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 during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

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 in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable 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.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less 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 in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

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 payouts, 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! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn 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.

HYIPs(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

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

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin 😀).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here 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 for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀

Once again, I emphasize that in my experience, the most profitable investments are investments own business / 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!

The accumulated amount of 300-400 thousand rubles is not only a guarantee of financial stability, but also certain troubles. Nobody canceled the negative consequences of literally indomitable inflation and devaluation. And no one is immune from crisis circumstances. In addition, human psychology is such that it is natural for him to strive for higher achievements. Including in investing.

It is quite possible to achieve financial goals with the amount of three hundred thousand rubles even in a short period of time. At the present time, this is facilitated by the high dynamics of technology development, the introduction of productive investment concepts, the emergence of new and other related factors.

So, where to invest money, having on hand or on the account the amount of three hundred - four hundred thousand rubles? Below are several areas of investment, selected taking into account:

• Relatively low level of risks;
• Stable dynamics in achieving profitability;
• A decent degree of profitability;
• Reliability of investments.

All projects are focused on the mentioned amount and involve both passive investment and direct participation in the multiplication of the capital of its owner.

Financial and stock instruments

But the investor should remember that if you invest 400,000 rubles in one of these instruments, then you need to be prepared for increased risks - financial and stock markets are quite dynamic and unpredictable.

At the same time, the owner of capital can count on a decent return, reaching several tens of percent a month.

This investment method involves the participation of intermediary structures - brokerage companies and managing traders. At the present time, effective management tools and concepts have been created - pamm and lamm accounts, pamm indices, which most likely excludes the possibility of market risks.

Profitable investment in promising franchises

In fact, this is an opportunity to invest 300,000 rubles or a larger amount in one of the types of business. The difference with traditional business development schemes in franchising is that in this case, the franchisee (franchisee) may not take an active part in the development of the project. He can act as a founder and investor, but no one, however, forbids him to take control of his own business.

At the same time, the franchising concept eliminates a large share of risks due to the application of the proven strategy of the business founder (franchisor), whose guidance and recommendations are transferred to the franchise buyer, along with the right to use the brand, marketing tactics, management methods and established partnerships.

Depending on the type of activity proposed by the franchisor, the volume of investments, the terms of the franchise, the payback of such investments can range from 6-8 weeks to two to three years. In many cases, both parties share responsibility for emerging risks evenly, which minimizes the likelihood of bankruptcy at the initial stage of becoming a franchisee.

Portfolio of structured products

This direction of investment to some extent resembles the methods of diversification used when working with exchange-traded assets. However, here the role of structured products is more often played by:

• bank deposits, which account for about half of all portfolio shares;
• depersonalized metal accounts, which account for 15-20% of all investments;
• bonds that ensure the stability of structural products and occupy up to 10% of investment capital;
• futures and vanilla options, which account for the remaining 20-30% of the investment.

However, there are other concepts for creating structured portfolios for investments, involving other instruments. Their choice depends on how long it is planned to invest 400,000 rubles, what level of profitability is expected, as well as on the willingness of the owner of the funds to take risks.

Hedge funds and their investment vehicles

This is one of the most profitable and, at the same time, the most risky areas of investment activity. Hedge funds are more developed in the countries of the European zone and on the American continent, but in the last few years they have been actively developing in the CIS.

Unlike funds mutual funds and FBU, hedge funds have a wider range of investment instruments at their disposal. At the same time, they manipulate them both on a growing price trend and on a decrease in prices. Often both types of operations are performed at the same time.

The return on investment in hedge funds is due to the sale of assets with a maximum value and purchase at a minimum price. In the structure of this category of funds there are such participants:

• a group of investors;
• warranty banking institution responsible for saving the fund's assets;
• a management structure that analyzes the market and makes a decision on investing;
• an audit company that performs an independent assessment of assets and monitors market demand;
• primary broker performing intermediary functions.

Owners of different sizes of capital can take part in hedge funds - here you can invest 300,000 rubles or up to a million dollars. Since hedge funds are unregulated due to their development stage, they are more free to choose effective and profitable tactics and strategies, which justifies their high rate of return.

Investments in cryptocurrency

Three or four years ago, no one took this instrument seriously, as effective remedy enrichment. But sudden jump the value of bitcoin (the first and most relevant cryptocurrency) in 2013 demonstrated the promise of such investments.

Attractive in this type of activity is the opportunity to invest different amounts - you can invest 400,000 rubles in cryptocurrency, and this will be enough for a long-term passive income.

At the current stage, there are many analogues of bitcoin (Ripple, One Coin, LiteCoin), however, these cryptocurrency units are still at the stage of becoming an investment attractiveness. Such investments are more promising in comparison with speculation in the forex market and stock trading on stock market. They are relevant for a long period and can bring multiple profits.

There are two tactics for earning income on cryptocurrency:

• through speculative transactions, acquiring cryptocurrency assets for physical currency;
• mining.

In the second case, powerful computer equipment is required. And three hundred thousand rubles will be quite enough to purchase the necessary equipment.

Investments in land resources

In the territories of developed countries, there are less and less land resources that are not yet covered by property rights. These can be agricultural land, reserve plots, business areas and building plots.

In any of these categories, you can choose suitable resources in which it is advisable to invest four hundred thousand rubles. The method of making a profit here is from the subsequent resale of the privatized land plot, receiving rent from renting it out.

In both cases, the owner of the capital almost completely excludes market risks, since due to the scarcity of land, their value is constantly increasing.

At the same time, there are non-market risks associated with the danger of illegal sale of land, bureaucratic manifestations and the allocation for sale of land that is unsuitable for planned purposes, or that does not have investment attractiveness in the short term.

Investing in startups

Another decision on what to invest money in is the development of startups. Usually, this term refers to an innovative idea, for the implementation of which its author does not have enough funds.

When investing even four hundred thousand rubles in the same projects, there is a possibility of obtaining multiple returns, and often regular ones. But at the same time, such investments are associated with increased risks, which should be remembered when investing money in them. Approximately only one tenth of startups is promising and viable. Therefore, such investments should be guided by the principles of rational diversification, distributing capital into several low-cost projects.

Finally - an exclusive direction of investment, so far only acquiring worthy relevance.

The reason for such an unusual investment interest was the properties of this product, and in particular, Pu-erh tea.

It can be preserved for decades, while improving its taste and preventive qualities. Naturally, this affects the cost of tea. In addition, over time, the cost of producing this product is constantly increasing at a dynamic pace.

The beginning of the trend of investing in tea originated in China itself, where several categories of Pu-erh tea are produced. But this trend quickly became attractive in other states on different continents.

At present, experienced investors in this category can already earn fabulous capital by selling fifty-year-old teas. Pu-erh with a shelf life of about half a century can have a market value of up to $ 70,000 per 1 kilogram right now!

To complete the review of where to invest the available capital, it should be noted that there are other opportunities to invest 400,000 rubles, including the personal priorities of the owner of the funds and his investment goals.