Many who have available funds want to invest money to make it work. It is important that the income received exceeds the inflation rate. At the same time, every investor wants the risk to be minimal. There is no way to avoid this situation without studying modern investment options.

Before you begin to analyze and compare investment options, you should remember a number of rules. They help you invest your money as efficiently as possible. Below are some expert tips that can help you avoid most investing problems.

1. You can only invest free money. In other words, the amount that can be invested is defined as the remainder of the income after paying basic payments and needs. You should also not risk your own money, borrowed or on credit. If you do not follow this rule, you can find yourself in a difficult financial situation. There are known cases when investor families were left without a livelihood. In addition, there is a risk of loss of funds, which will lead to the inability to pay the loan. The result may be a damaged credit history.
2. You should not expect that you will immediately be able to provide for yourself by receiving passive income. Most likely, at first it will be too small to ensure a comfortable existence. Therefore, at first, most of the funds earned will have to be reinvested, that is, used to increase the invested capital.
3. It is imperative to draw up an investment plan. It must clearly indicate all the parameters of investing money. First of all, such a plan must fix which investment options will be carried out and in what proportion. At the same time, it must be flexible enough and easily adapt to changing conditions.
4. In order not to lose all your invested funds, risks should be diversified. That is, you cannot invest all your capital in one investment project. It is best to choose at least 3 suitable options. The likelihood that three projects at once will turn out to be unprofitable is small. With proper analysis, at least one will bring profit.
5. It is important to constantly monitor the money invested. Regular monitoring of the situation allows you to make the right decision, as well as adjust your financial plan if necessary.
6. You should not get involved with dubious projects that promise huge profits. In this case, there is a high probability of encountering scammers, which means losing your invested funds.

These simple tips help even novice investors enter the financial investment market wisely. Don't forget that investing is also work. Without regular analysis of the situation, it is unlikely that you will be able to make money.

Top 10 most profitable investments in 2019

The instability of the economic situation leads to the fact that the profitability of investment products is constantly changing. It is important to calculate all possible options and coordinate them with the prevailing circumstances in the country and the world. In search of an answer to the question of where to invest money profitably in 2019, experts have compiled a rating of the best options.

Investments in the development of small businesses (Alfa.Digital platform)

For those who decide to start investing with an amount of 100 thousand rubles or more, investing in small businesses through specialized platforms is excellent. Most often, such options are offered by large banks. They develop investment products. By investing money in them, the owner of the funds essentially lends to companies selected by the bank.

Despite the fact that the risk in this case falls entirely on the shoulders of the investor, it can be noted that it is relatively low. This is due to the fact that the money invested is distributed among a large number of organizations.

An excellent example of a platform that offers to make a profit in this way is Alfa.Digital, organized by the bank of the same name. The following investment conditions are offered here:

• yield up to 30% per year;
• payments are made once a week with accrued interest;
• The minimum investment amount is from 100 thousand rubles.

Investments in P2P lending

The P2P lending service allows you to invest almost any amount. In essence, it is a so-called social loan. Both the borrower and the lender in this case are private individuals.

This option represents a very profitable investment. The interest rate on P2P lending is about one and a half percent per day. True, about half of them will have to be paid to the service that provides intermediary services.

Those looking for P2P lending services can explore two interesting portals - Vdolg.ru and Loanberry. The first site accepts investments ranging from 4 thousand to 10 million. This amount is enough to invest money and receive monthly income. Loanberry allows you to start investing in loans to individuals from 1000 rubles with interest from 20-30 percent per annum. Moreover, now there is such a function where, for a fee of 5%, you can connect insurance against default, when the site takes over the payment of the debt in the event of a borrower’s default.

Investments in Forex (foreign exchange market)

Many people have heard what Forex is. However, not everyone understands that it is not limited to independent trading. To make money in the foreign exchange market through trading, you will need a significant amount of serious knowledge. In addition, without experience, it is unlikely that you will be able to make money by trading independently.

However, you shouldn’t refuse to invest money in Forex; just choose one of two popular methods:

1. PAMM accounts represent a certain type of transfer of funds to professional traders for management. In this case, you can invest even a small amount. It is determined solely by the conditions of the selected PAMM account.
2. Those who dream of making Forex transactions on their own can use social trading systems or copying the transactions of professionals. In the first case, based on the opinions of experienced traders, forecasts of market behavior are made, which help beginners make the right decision. When copying trades, you should choose a trader you trust so that you can learn about all the trades he makes.

When opening positions independently, the investor has more opportunities to reduce risk. This is explained by the fact that if there is no confidence in a particular forecast, you can refuse to conclude a deal. In PAMM accounts, all decisions are made by the manager himself.

Investments in startups

Investing in a startup is a profitable investment that can bring significant profits if successful. A startup in the financial world is a business project or idea that is at the initial stage of development. It is quite natural that even the best projects need an infusion of funds for their implementation. However, not all idea owners have available funds. Therefore, they are forced to seek help.

It is unlikely that you will be able to get a loan for the development of a project from a bank. This is due to the lack of confirmation of the profitability of new projects. Investors who prefer to invest in promising projects at their inception stage come to the aid of beginning businessmen. The main difficulty of investing in startups is that it is very difficult to determine which project will be profitable and which will bring a loss.

Investing money in mutual funds

A mutual fund or mutual investment fund is a promising investment that can be classified as a type of collective investment. Investors (in this case they are called shareholders) purchase part of the fund’s property, called a share, and wait for its value to increase. In fact, such investments must be long-term, in which case the probability of making a profit is the highest. The advantages of mutual funds are:

• high degree of protection from the state;
• no need to have special knowledge;
• low entry threshold - the cost of a share starts from two thousand rubles.

The profitability of a mutual fund depends on the investment strategy it applies. There are moderate, conservative and aggressive funds. In the order in which they are transferred, profits increase. But do not forget that the risk is directly dependent on it.

Experts recommend that if an investor, when choosing where to invest profitably and safely in 2019, has given preference to mutual funds, choose for investment funds that invest the collected funds in the field of IT technologies. Today they are the most promising. In addition, such mutual funds have the best combination of profitability and risk.

Investments in investment or savings insurance

Investment and savings insurance programs are a combination of a profitable financial product with insurance. When signing an investment insurance contract, the client receives a number of advantages:

1. guaranteed return of 13% from the state due to tax deduction;
2. investment returns due to the management of your money by an investment or management company;
3. the opportunity to open a deposit for a longer period than regular deposits.
4. Free life and health insurance;

Endowment insurance allows you to solve two problems:

• protect yourself in case of financial problems;
• accumulate a significant amount of money through effective money management.

Investments in securities (Through IIS)

Those who decide to invest in stocks and bonds should open an individual investment account. This can be done by contacting brokers or a management company. Most often, investors make money in the stock market in one of two ways:

1. Independent trading involves opening transactions solely on the basis of the investor’s own knowledge. In this case, it is unlikely that you will be able to make a profit without experience and certain skills.
2. Copying the strategies of experienced managers. Such profitable investments, for example, are offered by the company Finam. It is implemented using the Trade center service. It is enough to choose a strategy and connect to it so that all transactions made on the professional’s account are transferred to the investor’s IIS.

Investing in real estate

This method requires the investor to have a fairly large amount of money. The amount of capital depends on the region and the type of property purchased.

In order to make a profit, you can purchase both residential and commercial real estate. There are several options for making a profit with this method of investing:

1. purchase of real estate for the purpose of subsequent rental;
2. purchase for resale.

In the second case, you can increase your income by buying real estate under construction or purchasing dysfunctional or granny flats and selling them after renovation.

It is important to remember that the sale of real estate that has been owned for less than five years results in an obligation to pay income tax.

Bank deposits

Deposits have recently lost their popularity. This is explained by a decrease in interest rates. Nevertheless, they deserve attention. Despite the fact that this option is not a real way to earn money, if you invest money at interest on a deposit, you can reduce the impact of inflation. Deposits are suitable for those investors who do not have sufficient financial knowledge, as well as large capital.

A deposit can be opened even for small amounts - many banks offer to conclude an agreement for one thousand rubles or even less. For many, the determining factor when choosing a deposit is the interest rate. Due to the current deposit insurance system in our country, choosing a bank has faded into the background. In search of where it is more profitable to invest your money, you should pay attention to the programs offered by Tinkoff Bank. The stakes here are always at a fairly high level.

Investments in microfinance organizations

Investments in microfinance organizations allow you to invest your own capital at a high interest rate. In this case, you do not need to have any additional knowledge and skills.

However, this option is not suitable for everyone. Most companies set a fairly high minimum entry threshold. Traditionally, it is at the level of one and a half million for individuals and 500 thousand for legal entities.

Thus, there is no universal answer to the question of where it is better to invest money. The decision must be made for each case separately, focusing on the available amount, as well as the desired risk and return.

Any conscientious citizen wants to have a stable passive income. One way to achieve this goal is to invest money in profitable commercial projects and make a small profit. Free financial resources can be used to develop a business, purchase real estate, participate in mutual funds, or open a depository account.

What is investing money

Each participant in the economic system must strive to increase their own capital. Investing money in different projects to achieve this goal is called investing. Investments and loans differ in the degree of risk. They generate income only in profitable projects, and the lender receives interest regardless of the financial condition of the borrower. The following investment instruments are distinguished:

• bank deposits;
• insurance or pension savings programs;
• shares of exchange-traded funds;
• real estate;
• mutual investment funds (UIF);
• structured banking products;
• precious metals (gold, platinum, silver, etc.);
• hedge funds;
• alternative (art objects, precious stones, jewelry, etc.).

What amounts can you start with?

Methods of earning money directly depend on how much capital a potential investor has. To participate in large investment projects, a citizen must have a minimum of $2,000. People planning to start their own business should have similar capital. A deposit can be a tool for passive income at the initial stage of investment. Some banks allow deposits from 1000 rubles.

How to invest money correctly

A citizen must decide how much money he is willing to spend to organize passive income. With minimal risks, you can make a profit only from bank deposits. Over the course of a year, 10-12% will be added to the amount existing on the account. When using other investment instruments, the risks increase. Citizens who do not take this factor into account often lose their own savings.

Business plan

A citizen needs to draw up capital distribution schemes if he is considering several investment options. Large investors do not advise distributing finances between several economic spheres at the initial stages, because there is a high probability of losing all your savings. First you need to identify reliable financial partners and then invest the money. The business plan must include:

• the amount of capital that a citizen is willing to spend for investments;
• the amount of desired profit;
• investment instruments that will be used to achieve the set goals;
• calculation of possible losses.

Free money

This term refers to cash that the investor can use for investment. They are not subject to interest and are not used to pay utility bills or fulfill other financial obligations. You can invest your free money anywhere. Borrowed funds used for deposits do not fall into this category of assets.

Regular profitability

This indicator refers to the amount of funds that a citizen receives over a certain period of time. Profits received from investments are not included in this amount. The regular profitability indicator must be divided into 2 parts. One share of the funds received will be used to ensure personal subsistence, and the second will be used in the constant increase of capital.

Reinvestment of profits

All investors regularly redistribute their capital. This procedure is called reinvestment. A competent approach to the redistribution of assets will help not only maintain existing profit indicators, but also increase the size of your own savings. This procedure is used in some banks, where interest is added to the open deposit every month. Only large investors receive daily dividends. Other individuals are recommended to reinvest profits once every 2-3 months.

Where to invest money to make it work

Free funds should not be kept at home without any purpose. Exchange rates are constantly changing, which leads to a gradual depreciation of money. You can save assets if you invest them in commercial projects. It is advisable to distribute funds across several sectors. For example, if mutual funds lose, then the profit received from selling shares on the stock exchange can compensate for the losses. The most popular financial instruments for increasing capital:

• bank deposits;
• real estate;
• mutual funds;
• currency markets and securities exchanges.

Bank deposits

Many people are afraid to invest money in dubious commercial projects, so they open depository accounts. The main disadvantage of this method of increasing capital is the low interest on deposits. With a bank deposit, a citizen can earn only 10-12% of the initial amount. This way of earning money is completely safe, because... all deposits are insured by the state. The top 5 reliable banks offering the most favorable conditions for opening deposits are as follows:

1. Credit Bank of Moscow. Clients of the institution can open a depository account at a high interest rate of 9% per annum. The minimum deposit amount is 1000 rubles. Money with interest is withdrawn only at the end of the term. If the deposit is withdrawn early, the profit will be reset to zero.
2. National Bank "Trust". The annual rate on deposits in this institution is 10% per annum. The deposit amount cannot be less than 50,000 rubles.
3. Citibank. Clients of the institution who use complex investment or insurance products can open a deposit at 9% per annum. The minimum deposit amount is 30,000 rubles.
4. URALSIB. Especially for people who decide to purchase shares, the institution offers to open a depository account at 9% per annum. The deposit cannot be less than 50,000 rubles.
5. Binbank. Citizens can open a deposit in this bank in the amount of 50,000 rubles at 10% per annum. The money is deposited into the account for 181 days.

Playing on the stock exchange and Forex

When it comes to where to invest money profitably, some people think of buying stocks, bonds and then selling them. Trade securities on stock exchanges. Citizens who have free money can turn to Forex brokers or try to create their own investment portfolio on their own. But first you should study the basic principles of selling assets, otherwise the risk of losing all funds from your PAMM account increases.

Investments in mutual funds

Many financiers, when asked where it is better for an ordinary citizen to invest money, will answer that it is better to become a shareholder in a mutual investment fund or open a depository account in a bank. Sberbank, VTB, URALSIB, Raiffeisen and other credit institutions work closely with mutual funds on the Russian market. An individual can invest small amounts of money in them or purchase shares for a large amount. Top 5 most profitable mutual funds this year:

1. MK promotions from Management Consulting.
2. Raiffeisen - Information technologies from Raiffeisen Capital.
3. URALSIB Energy perspective from URALSIB.
4. VTB – Energy Fund from VTB Capital Asset Management.
5. RSHB - Best industries from RSHB Asset Management.

Investing in real estate

One of the options for long-term investment is the purchase of commercial or residential premises. The value of real estate is increasing every year. Investment is considered profitable at the excavation stage, but it should be taken into account that customers often miss the deadlines for the delivery of residential complexes. Investments in commercial real estate will be profitable if a citizen himself is going to start a business. It is not profitable to invest money in it for further sale.

Own business

Individuals, wondering what they can invest money in, forget about entrepreneurial activity. A real business begins to generate good income after a customer base has been collected. The basis of any profitable business activity is a good idea. If a citizen has developed a detailed plan for increasing his own funds through the production of any unique product or service, then he should invest money in the implementation of these ideas.

Where to invest money at high interest rates

All investors want to get a lot of profit. Bank deposits will not help achieve this goal. Rates on them rarely exceed 10% per annum. Some people start investing all their money in oil or other useful resources, which often causes their finances to depreciate. There are many methods that can generate profit, but at the same time demonstrate high risks. These include:

• buying and selling shares;
• investing in foreign currency;
• purchase of precious metals;
• investing in binary options.

Profitable investments in Internet projects

You can increase your own assets not only with the help of banks and hiring professional investors. The Internet provides enormous opportunities for passive income. The network user can only choose projects in which to invest money. It is better to consult with a successful investor in advance to reduce the risk of capital loss. A citizen can invest a small amount of money in one of the following projects:

• Forex exchange;
• creating your own website or blog;
• participation in HYIPs or online casinos;
• purchasing a website on an exchange;
• participation in a network Internet project;
• opening your own online store;
• to affiliate programs or their sale using contextual advertising;
• binary bets;
• common fund of bank management (FBU) or mutual funds.

What is profitable to invest money in Russia

In the post-Soviet space, among all investment instruments, depository accounts and mutual funds have become very popular. Some citizens may try to learn how to trade on stock exchanges, preferring shares in stable currencies (dollars, pounds sterling, Japanese yen). You can invest any money in real estate. Apartment buildings bring large profits to their owners. To receive money in Russia, you can consider the following investment options:

• bonds;
• private lending;
• investing in websites for CPA (Cost Per Action) affiliate programs;
• venture funds;
• investing in MFA resources (Made For Adsense).

Large amounts

Financiers advise citizens who have large capital to start buying precious stones. Inflation has virtually no effect on this investment instrument, so there is no better way to save money. For the same reason, experts recommend investing in the purchase of gold, platinum and other precious metals. Trust management of financial instruments is a popular way to increase capital. You can transfer your own money to one of the successful traders or to a bank offering similar services.

Every advanced person thinks about where it is better to invest money.

Demand creates supply, and today investors are offered dozens of places where investing money can be a profitable idea. Let's review the most accessible and interesting options where you can invest money in 2019, compare their pros and cons, conditions and benefits!

Where to invest money - Startups

are innovative companies offering new technologies that simply did not exist before. Introducing new and unknown technologies into life and bringing them to the mass consumer is a very difficult task, which at the same time can bring thousands of percent of profit.

Note that: Every day new startups appear that require investment. But only 10% of them have been working for more than a year.

In order to make money, you need to make sure that the idea, goal, plan, team in a young company are well interconnected, if the company understands what it needs and what it does - this is an important component of success.

There are quite a few examples where startups literally from scratch turned into million-dollar companies, enriching their investors along the entire development path. Today there are special startup exchanges through which companies and investors converge. is a site where startups register themselves, their proposals, business plans and declare the required amount to start. Investors select startups and invest in them. So each startup can have many investors. When a startup reaches the requested amount, the project starts working and if successful, it will reward its investors.

Now that the American press has stopped printing money in the same quantity, there is an opinion among rich and wise people that new markets will not be born in the next 10 years, since there simply will not be free funds in the world for this. In 2018, the startup market shrank. This was affected by both the crisis and solvency.

Minuses

A startup means risks and the unknown. Often startups die not because of a bad idea, but because of poor organization and incompetence of company managers.

Where can you invest a little money - PAMM accounts

This is the type of investment I do. in fact, it is very similar to a mutual fund, only it is managed by one person. A professional trader creates a special PAMM account with a broker. This account initially contains only its authorized capital, for example, $50,000. Investors can then invest money in this account. The trader trades money from this account on the exchange and the profit from trading is distributed in proportion to the contributions of each investor.

Over the past 7 years, many PAMM account brokers have been born and died. Whatever the managers of existing brokers say, today there is only one leader - this.

It is this broker who owns the PAMM Account trademark, since it was he who came up with this system.

Profit in this type of trust management borders on an average of 4-6% per month or 80-120% per annum if we take into account reinvestment. Moreover, it is reinvestment that allows you to multiply your own profits and allow you to! This is a very high percentage, despite the fact that with portfolio investments there are practically no risks, and the minimum investment starts from $10. As you can see, this is a place where absolutely anyone can invest a little money.

Alpari provides all the statistics and data about the manager’s work, displays his transactions and trading volumes. At the moment, there are PAMM accounts that have been operating for more than 4 years and bring stable profits. Since managers have different trading strategies, the profitability of individual PAMM accounts differs. If conservative ones bring 4-6% per month, then aggressive ones can give out in one month!

Risk control

By investing simultaneously in 10-15 different PAMM accounts, you reduce risks to the bare minimum. If one account for the reporting month brings a loss, then the others will cover this loss with their profit.

PAMM accounts are available to everyone; from the moment of registration with a broker to investment it will take no more than 10 minutes.

You will find more detailed information about investments in PAMM on this blog, which is dedicated to them.

pros

High profitability, virtually no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.

Investing in the Stock Market

If money is put in a bank for safekeeping, then it is invested in the stock market to benefit from it. The stock market is a platform where securities, goods and even services are bought and sold. The main platforms are stock exchanges. In Russia it is Moscow Exchange— merger of two previously separate platforms, MICEX and RTS.

It is not the investor himself who has the right to trade directly on world exchanges, but an intermediary - a broker with the appropriate license. An investor opens a trading account with a broker and through it buys stock assets, such as securities and others.

Investments in Options

For me it very profitable type of investment. Not long ago I tried all the possibilities and am ready to tell you everything in detail.

A binary option is a contract where the price of an asset will rise or fall within a time period that you set. If your condition is met - the price of the asset rises or falls according to your forecast at the set time, then you make a profit. Everything is arranged in such a way that even a child will understand.

The best way is to give an example:

• You are buying a binary option on a stock Microsoft for 1 hour and indicate that the price will rise. If after an hour, the price of Microsoft shares is higher than at the time of purchasing the option, you receive 80% of the profit. If you invested $100, in an hour you could earn 80 dollars.

You can invest in options for periods from one minute to a week; you set the investment period yourself. The assets include shares of the largest companies in the world, such as Gazprom, facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. And also among the assets there are assets of the commodity market (oil, gas, gold), stock indices, currencies...

How to make money investing in options?

Yes, very simple! Only follow the news. If you find out that Toyota Tomorrow starts sales of a new series of cars, this means their shares will rise tomorrow. All you need to do is invest in a Toyota stock option with the condition that the price rises for 1 day or even an hour at the peak of the day or at the very beginning of it. If you find out that a tsunami flooded a Toyota plant, then their shares will fall and you can invest in an option with the condition that the price will fall.

Thus, you see that you can make money not only on the growth of shares, but also on the fall. And there is a lot of news about companies every day, and thanks to the large number of assets, you can invest in options every day. It is enough to make only 2 successful trades per day in order to earn more than $5,000 per month.

Here's a recent example as a guide:

Step 1 - select an asset. I chose Facebook shares using binary options:

Step 2 - Specify the option expiration time and forecast. I set the option expiration time to 21:35, since it is now 21:25, I will invest for 10 minutes. In this case, I predicted an increase in the stock price and pressed the button UP:

Step 3 - Make a profit. 10 minutes passed quickly and Facebook shares did not have time to rise much in price:

pros

This is the most highly profitable investment; in just 5-15 minutes you can get 70% profit. There are many trades you can make every day. Assets include the stock, commodity and foreign exchange markets. Available to absolutely everyone, minimum investment is only $25

Minuses

High returns come with high risks. Successful investment requires preparation and careful analysis of the asset. Due to the possibilities of super short-term investments, an investor must have psychological stability and have his own strategy.

Investments in shares

quite an old and classic method. There are different ways to invest in stocks depending on the company. Average stock returns fluctuate from 10 to 20% per annum.

But there are exceptions, for example, Nvidia shares gained 200% in 2017.

For established companies, on average, growth can be 5% per year. For example, Google is already a huge business, imagine what it needs to do to increase its value by 100% in half a year? It's practically impossible. But for a small pizzeria, it is enough to open a couple of new restaurants and conclude lucrative contracts in order to increase 500% in a couple of months.

You will be able to see in practice how shares are bought and sold on stock exchanges NASDAQ, XETRA, and others from the broker (minimum deposit to open an account is $500). There you can, Microsoft and more than 1000 companies from all over the world.

In addition to already established billion-dollar companies, new ones are constantly appearing, the shares of which are very cheap, but their potential, as well as their price, can increase thousands of times. For example, the same Apple was once a small startup.

If you do not want to risk a lot of money, but want to make money on shares, CFD contracts are an ideal option - this is trading on price differences.

It must be said that the broker’s assets include not only stocks, but also all currency pairs, indices and commodities, energy resources and others. Minimum deposit $200, and the minimum transactions are from 10-20 dollars.

pros

Shares can provide good returns, benefits and are long-term investments.

Minuses

A minimum stake in shares can cost quite a bit of money, and shares of unknown companies are quite risky.

Investing in metals

Buy physical gold Saving for future use is one of the long-standing traditions of saving money. And these days, gold bars are available for free sale in almost all banks in many countries, including Russia, Ukraine, and Belarus. A gold bar can have different weights, it varies from 1 gram to 1 kilogram. Each bank sets its own price for it.

Note that: Over the past 15 years, gold has experienced a price boom, but since 2012 it has been inexorably losing value. Today, the future is gold, and investments in gold can only be long-term.

This precious metal will not lose its basic value, but even a small drop in price can bring losses to the investor, because not only capital is lost, but also time.

A few years ago, Warren Buffett sold all his gold assets and was right. I believe that in 2018 there is no need to rush to invest in gold, at least it is worth waiting until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that in 2017, mutual funds dealing with gold have already suffered losses.

pros

Metals have a certain physical reserve, so there is no need to expect strong drops in price. Metals are long-term and reliable investments. Investments in metals are available to almost everyone who has a bank account.

Minuses

The price of metals varies greatly among different economies. You should not count on a large percentage of profit. When selling gold in a bank, you must pay a tax of 13%, this is the percentage that can be achieved over several years of investment.

Compared to bank deposits investing in the stock market are considered significantly more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment. More voluminous in terms of money and types of companies is the foreign market, where even children know about shares. mainly based on shares. But in order to successfully invest in shares, it is not enough just to have money to deposit; you need to have a good understanding of business and be able to predict. For those who do not feel confident in these skills, trust management would be the best choice.

Where to reliably invest money - Bank deposits

Today, the most popular way for Russians to save money is to invest in a bank deposit. It inspires more confidence among citizens than investing in investment funds. Perhaps this is due to the inertia of thinking, because in Soviet times it was possible to invest personal funds only in a savings bank.

I would say that people do not invest money in banks, but simply deposit them . The only exceptions can be very, very large amounts.

Interest profits at bank rates are small, on average 7-9% per annum, and the state insures each deposit up to 1,400,000 rubles against unforeseen circumstances.

Among the most reliable banks:

• Sberbank (sbrf.ru)
• Vneshtorgbank (VTB) St. Petersburg (vtb.ru)
• Gazprombank (gazprombank.ru)
• Rosselkhozbank (rshb.ru)

They offer not the largest, but stable and reliable annual interest rates: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are a place where anyone can invest money, but it’s difficult to call it an investment. Only the banker can earn money in the bank, and the depositor can only save his funds.

pros

The advantages are that banks are relatively reliable and you will definitely save your funds.

Minuses

7-10% yield is not justified, since the inflation rate is exactly at this level. It's hard to call it an investment.

Where to invest money - mutual fund

Mutual Investment Funds are also one of the types of capital investments where it is profitable to invest money relative to the bank. Mutual funds are created to attract investments for the purpose of trading on commodity and stock exchanges, as well as real estate transactions. Mutual funds have long been the most popular places where not every person on the street could invest money.

There are several types of mutual funds

• Open type mutual fund— here you can freely buy or sell shares.
• Interval type pif— shares are sold only after a certain time.
• Closed type mutual fund— do not accept deposits from private investors. Typically, profits are paid at the end of the year.

A mutual fund can be considered as a trust management - you buy shares, and your money is managed by the company, as a result of which the prices of the shares rise. But as I already said, in 2018 the risks are high. If you decide to invest in some kind of mutual fund, you should not invest all your capital in them, but only some part. Mutual fund profitability ratings can be viewed on the following pages:

• //pif.investfunds.ru/ratings/
• //www.nlu.ru/pif-doxod-renking.htm

If you decide to invest money in a mutual fund, I advise you to carefully study not only the company itself, but also the market prospects, and also ask for plans, ask questions about the future of the market of managers and make sure that they are confident in their actions and know how they will act in different situations.

Mutual funds are managed by professionals, but even they cannot stop the fall in prices. In this case, you should not rush to sell shares. We need to wait until they rise in price again. In any case, in order to remain profitable, you need to invest in mutual funds for a long term of several years.

In order to earn money and be able to make money, you need to have solid capital.

For the most part, investments in successful mutual funds start from half a million rubles.

At the same time, you need to understand that it is safer to invest simultaneously in several different mutual funds. Also, for a successful investment, you need to understand and understand the stock market, shares and the current state of the market, and other economic factors.

pros

A good mutual fund is highly reliable, as it is regulated by the state. In good years, profits can be up to 80% per annum. Limited risks depending on the specific conditions of each mutual fund.

Minuses

Lengthy process of transferring and receiving money. If you do not live in the city where the mutual fund is located, then investments will be extremely inconvenient (signatures, documents, transfers). Good mutual funds may have high minimum investment thresholds.

Art objects

One hundred percent return is not that uncommon in this free market. But only smart investors with good taste can sense what exactly may have the greatest investment potential.

250,000% per annum

The most reliable investments are investments in famous artists of the last century. For example, Andy Warhol's painting "Lemon Marilyn" was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

Among contemporary artists, you should choose the most active ones, who regularly exhibit in galleries and are advertised in every way. Paintings by such artists can rise in price by 100-300% per year, while paintings by famous contemporary artists can be bought from 10-20 thousand dollars. It is worth saying that the main buyers of art are not amateurs and collectors, but financial market players.

Not all investors understand painting or artists, but this does not prevent them from making money from it. Such investors attract special consultants, who make an objective assessment of the asset, verify its authenticity, and accompany the buying and selling process.

pros

With a competent approach, they bring not only aesthetic pleasure but also high profits.

Minuses

Requires a high understanding of the market. Assets generally do not have high liquidity, unless it is a painting by Monet or Van Gogh.

Where to invest money on the Internet

Many people like to invest money in online businesses. With the advent of the Internet, various ways to invest your capital have appeared. All income on the Internet is based on services, trade and advertising. There are people who invest money in websites for advertising or trading. Investors purchase or create a website for the subsequent sale of advertising or specific goods and services on it. The price for advertising depends on the level of the site, its traffic, subject matter, and other indicators.

We have to think more and more often about where to invest money to make it work. And this is not surprising: investing is easy, but it is much more difficult to return the money later. If not to increase it, then at least to preserve savings from currency fluctuations and inflation is the main task of people. A successful investment provides the opportunity to receive a monthly stable income.

5 basic rules for a novice investor

Before presenting you with specific investment options, let's look at the basic rules that should be followed in this type of activity.

Rule #1. Don't keep your eggs in one basket or diversify.

Diversification of investments— this is the distribution of investments among various investment instruments in order to reduce the risk of losing invested funds.

Those. no need to invest all your money in 1 company. After all, there are always risks and something can go wrong. Distribute your funds across various instruments. This way it will be impossible to lose all your money in one moment.

Rule #2. Use only YOUR “working capital”.

Working capital– this is the money that you set aside from your main income, specifically for investment.

Those. You should only work with personal funds, do not borrow money for investment. If you don’t have working capital, but still want to invest, start putting aside a portion of your funds every month in the bank or under your pillow (for example, 10-30% of your income). Over time, you will accumulate a significant amount.

If you lose your investment, this should not affect you and your family in any way in terms of health and standard of living (although it will affect your mood in any case), so we do not invest our last penny.

Rule #3. Return your deposits and reinvest.

The money that your working capital brought in should be invested in other assets. After all, by increasing them, your passive income will constantly grow.

Rule #4. Don't look for 100% reliability.

You take risks every day, risk is part of our life. When leaving the house there is a chance that you will be hit by a car, so now don’t leave the house? What will you do with a plane that might fall on your house?

This does not mean that you need to take reckless risks always and everywhere. This means you must manage risk using Rules #1 and #2.

Rule #5. It's worth spending less than you make in profit.

Those. you should live according to your possibilities, or earn according to your needs, whichever is more convenient for you. Forget about loans, credit systems are aimed only at ruining a person and defrauding him of money.

Where to invest money so that it works and makes a profit - 14 investment options

We've read the rules, now it's time to move on to real investment instruments. Next, we will consider what options are available for investing working capital. Let's begin.

Option number 1. Bank deposits

The best way to save savings from inflation without much difficulty is bank deposits. You don’t need to do anything, and the amount grows. Keeping money in a bank safe deposit box is much more profitable and safer than “under-the-mattress investments” at home. It is important to familiarize yourself with the deposit programs offered before making a deposit. The minimum amount in some banks does not exceed one thousand rubles. This means that even small savings will be saved and will provide a small, but income.

And here it is important to remember about inflation. If prices rise above eight percent, savings kept in the bank will not be devalued. In reliable and profitable offers the following are possible:

• early or full withdrawal of funds;
• presence of a branch of the selected bank in the area of ​​residence;
• the amount of investment in one financial institution is no more than seven hundred thousand rubles, that is, the amount of deposit insurance.

Losses from depreciation of exchange rates are compensated by the multicurrency deposit. When one currency falls, the quotes of another rise. So the risk of loss is reduced. But extremes are not necessary: ​​why invest all your funds only in the purchase of currency, even in different denominations? The ruble will begin to grow in any case, and the risk of losing invested funds will increase.

Be sure to carefully read all the terms of the agreement before making a deposit. This is necessary to know how great the risk is and what guarantees the organization provides in case of interruption of work. Only with this approach can high profits be ensured and the risk of losses reduced.

Rich and successful investors make investments according to their own criteria. But they have a whole staff of consultants, and they understand the nuances of the market much better than newcomers. Therefore, it is pointless to completely copy their actions. You won't be able to achieve exactly the same results.

Option number 2. Currency

Since the days of the “harsh nineties”, the habit of keeping savings at home in foreign currency has remained. Usually rubles were converted into dollars. Now currency is becoming a good option again. It’s just not safe to choose dollars; it’s better to use the euro or the Chinese yuan. The situation in the United States will have to be constantly monitored.

But leaving money in rubles is also dangerous: a floating exchange rate and sharp fluctuations in the oil market are not good for the national currency. And again: experts do not advise storing “all your eggs in one basket.” Therefore, the best option is multi-currency savings.

Option number 3. Forex invest

Securities quotes and exchange rate dynamics are an opportunity to make good money. Profits can be high, but such investment, judging by the reviews, is not recommended for beginners. A more reliable tool is PAMM accounts. But here there are no clear opinions.

Pros and cons of Forex

Trading on Forex requires a considerable initial investment, and with a complete lack of experience and basic skills, it is better to forget about profits. Constant income is your own strategy and complete compliance with its rules in any circumstances. Then the crisis will not be an obstacle to income growth.

But learning to develop your own strategy will take several months and even, possibly, at least a year. PAMM accounts are managed by traders with extensive experience. They have already completed the training, and the results are impressive. They will work with entrusted funds, and the profit received is divided in half. An interesting option: capital is guaranteed to increase.

Forex – earnings on the difference in exchange rates. To obtain a stable income, knowledge of the market is necessary. And using electronic advisor programs is not an option. They helped some to remain a winner, while others were robbed of all their investments. So to receive passive income you will have to undergo training. And the best way out for a beginner is PAMM accounts

What is good about a PAMM account?

PAMM account – trust capital management. An investor invests funds by trusting the investment company's trader to make transactions with them. Just ten dollars of initial capital - and one hundred percent profit with almost no time and effort - is tempting. But here it is important not to end up in a pyramid instead of an honest company. Therefore, it is important to look at registration, availability of certificates and licenses, and checking reviews on blogs and forums is mandatory. If the company's profitability exceeds ten percent per month, then this is alarming.

The capital will be managed by a manager, a trader chosen by the investor. And wasting time and collecting information about the manager and analyzing his portfolio is not at all in vain. You should not invest in PAMM accounts that are less than six months old. And the number of such accounts should not be more than two dozen.

It is impossible to predict the success of an investment, so even with the right choice, a PAMM account remains risky. Therefore, you cannot invest borrowed capital in it and invest in only one company. The higher the interest, the greater the risk.

True, it is impossible to predict the time of liquidation of a company. But they are alarming:

• payment delays;
• a sharp increase in interest on deposits;
• increasing the number of ways to replenish your account;
• change of company status and website design.

In this case, it is important not to take risks, but to divide the funds into several parts and make several investments in different directions: real estate, antiques, bank deposits, shares, precious metals. The risk is different; if one investment is unprofitable, other investments will be profitable.

Option number 4. Binary options

Binary option is a financial instrument with a fixed cost and a predetermined amount of potential profit.

When you buy an option, you make a prediction in which direction the price of its asset will go (up or down). If the forecast is correct, you make a profit, usually 70-85% of the value of your bet, otherwise you lose the amount of the bet (some brokers return 15% if the transaction is unsuccessful). Those. with a bet of $20, your profit will be equal to $14-17, or you will lose $20.

So how can you make money here?

The question arises: how can you earn money, much less invest money, if the chance of “guessing it right” is 50%? This is possible, but only with proper preparation. As Vladimir Ilyich Lenin said: “Study, study and study again” . Without this, binary options are really very similar to roulette.

Option number 5. Precious metals

Investments in precious metals, silver and gold remain quite reliable. Their prices are rising, and therefore the investment is promising. Despite external influence, palladium retains its position.

But a significant disadvantage is that investments in precious metals are long-term. Therefore, the investment is pointless for less than a couple of years. But not everyone agrees to make a deposit for such a long period of time without firm confidence in winning.

To invest in physical metals, you can open a metal impersonal account or compulsory medical insurance. This is an analogue of the usual account, but without commissions, Palladium, gold, platinum and silver are counted in grams. Prices are set every day, meaning the amount of funds in the account changes constantly. Such investments are suitable for analysts who want not only to preserve capital, but also to increase it.

Option number 6. Real estate

Where to invest money to receive monthly income? Real estate is in demand at any time. So the method of investing in it remains in demand always. Real estate prices are now declining as the demand for housing among the population is still decreasing. But interest rates are rising. Lending on such terms is unprofitable, and owners are forced to lower prices in order to attract buyers.

But the cost of one square meter is so high that neither government subsidies nor special programs to support the construction of economic housing can reduce it. It turns out that even if we manage to start reducing prices, this will not happen soon.

Of course, we are talking only about investing personal funds, not mortgages or borrowed funds. Interest payments will completely destroy any hope of income. In this case, purchasing real estate or land is a win-win option. And in the future, it turns out to purchase additional housing and receive income from rental.

And this is understandable. During the crisis, people move from small towns to big cities, and they have to live in rented apartments. Rent is needed at an affordable price, and the appearance of such an offer could not be more timely: it is very beneficial for everyone. So both visitors receive housing and the landlord receives income. It turns out that when real estate prices fall, rental prices rise.

A plot of land can always be sold at a profit. In addition, the land brings profit to farmers. So using it for its intended purpose, that is, organizing a farm, is also income. Growing agricultural products is both work for yourself and your loved ones, and the benefit from receiving fresh products, and income from selling their surplus.

Purchase at bankruptcy auction

Since even large players are trying to buy real estate cheaper, it makes sense to take a closer look at the properties offered at bankruptcy auctions. Their price is several times lower than under normal conditions.

Option number 7. Stocks and bonds

Such an investment is risky even in good times. And in conditions of instability, only professionals can accurately predict which companies will remain, and even then this is not a complete guarantee.

To make a profit on shares, the amount of money invested in the purchase of a share package is important. The stock market is unpredictable, as is investor behavior, and neither experts nor professionals can predict the size of profits. The beginning of bankruptcy is a violation of the terms of trade.

To make money on stocks, you need to understand and know how the chosen company makes a profit. According to experts, accurate forecasting of stock price increases is important. If after purchase the cost has increased sharply, you must definitely sell them. Then a good profit is guaranteed, as is a positive reputation for the businessman.

If the stock price falls, then you can make money on the fall. It is necessary to act according to the strategy of “short” sales. Shares are rented from a broker. A few days later they are bought back and given back to the broker. Income is the size of the difference between the sale price and purchase price of a block of shares.

An investment portfolio assembled from shares requires constant monitoring of news, monitoring the situation on stock exchanges and timely transfer of funds, that is, activity.

What can you wisely invest money in? To generate income in the stock market, you do not need to have a significant reserve of funds. The initial investment size ranges from ten to thirteen thousand. It’s also nice that the transactions are carried out by a specialist with a power of attorney issued to him. However, this does not mean that the principal is completely removed from business: it is mandatory to monitor the situation in the country and the world and review analytical calculations.

If you are planning a short-term investment, then when choosing a direction you will have to take into account the entire situation. Purchasing shares of leading companies in the country provides an opportunity for quick payback on shares of metal processing organizations and producers of mineral fertilizers. The shares will grow, and this trend will definitely be realized in the future.

Option number 8. Mutual Funds: Mutual Investment Funds

It is also difficult for mutual funds to organize investments effectively. For the most part, they lose more than they gain. But you won’t have to delve into the direction of movement of funds. This method is a joint contribution of shareholders. One person or a management company only manages them.

Mutual investment fund. Several investors trust professionals to manage their money. Managers invest in what they believe are the most profitable areas. It turns out that investors get the same opportunities as large banks, insurance companies and pension funds.

Money is invested in different directions. As the mutual fund's profit increases, the investor's income also increases. When selling a share, the investor receives losses or income in the form of the difference between the sale price of the share.

The initial price of the unit is determined by the fund. It is most profitable to buy it during a market decline. The main advantages of a mutual fund are the ability to invest without special knowledge, high returns, and reduced investment costs. The state strictly controls the work of companies. And this is a good additional guarantee of stability.

Mutual funds can be bond, stock, index and mixed. To buy a share, you need to contact either the mutual fund agent bank or the company itself to notify of your desire. After signing an agreement with the fund, the funds are transferred to its current account.

After purchasing a share, the client receives confirmation of the opening of the account, the transfer of the share to it and a statement of the quantity. However, before investing, you should go to the website pif.investfunds.ru/funds. It contains all the information about mutual funds.

Option number 9. Investing in business

A good option would be to invest money under a Franchise. Franchising, at its core, is the cloning of the parent company. They give you a ready-made work plan, train you and provide information support when starting a business in your region. It's like a ready-made construction set, there are all the details and instructions. All that remains is to assemble a working system.

In the case of a business, you will not receive passive income, but when debugging business processes, you can delegate all the work and hire an executive director. In this case, it looks more like an investment. Such a system will generate income for you without your participation.

Option number 10. Investments in information sites

Income when investing in information sites comes from the placement of banner, contextual, teaser advertising on them, from affiliate programs, as well as from the placement of advertising articles. Essentially, this is passive income (if you don’t take the placement of advertising articles, although this work can be delegated).

Such a resource can be created from scratch, but this requires certain knowledge. Let's look at investing in ready-made projects.

How much can an information website cost and what is the return on investment?

Approximate price 20-24 months * monthly website income (the formula is valid for small and medium-sized websites). For example, if the site brings in $400 per month, the price will be = $400 * 20-24 months. = 8000 – 9600$. Those. return on investment 4-5% per month . To make such purchases and sales, there is a special exchange telderi.ru.

In the case of independent development, the profitability of the project can be 50% per month. But it is worth considering that the new site will reach normal positions only after 4-8 months of active development (this also depends on the topic and competition in the niche).

What are the advantages of such an investment?

You receive monthly passive income. Subject to further development of the project, monthly income increases, as does the cost of the site itself in case of resale. The website acts as an asset.

Both to create your own project and to purchase a ready-made project, you need special knowledge and skills, but there is nothing overly complicated here, if you would like to figure it out.

How much money does this site bring in?

The site you are currently on (site) brings in approximately $420 per month from Google AdSense contextual advertising.

Option number 11. Investments in Internet startups

Not long ago, a new investment option appeared - in Internet startups. The exchange is a kind of online version of shares. Large investors are not interested in projects that are promising but small by their standards. And without funds for development, the initiative will remain only for them.

Promising projects are strictly selected before they are included in the exchange catalog. After this, funds are allocated for their development. They represent freely floated shares. Investors can receive income from approximately the first month 3-7% monthly. If necessary, in order to make a profit, you can always sell shares within the system.

Option number 12. Investment in microcredit

People are constantly short of money. This means that the popularity of lending is growing. But if you want to engage in this type of investment, it is worth enlisting the support of a knowledgeable person who is familiar with this area and has considerable experience. He will have to consult his partner often.

Without the assistance of a professional, investing is meaningless: if you do not know the specifics of the business and do not have the slightest idea about its proper organization, then the invested funds will not only not be able to be saved, but the risk of losing everything increases significantly.

Option number 13. Investing in purchasing coins

Investing in coins is very profitable. They are tax-free and easy to store. It’s just important to do everything carefully. Even a small scratch on a coin reduces its value. The easiest and safest way to store your investment is in a safe deposit box. Of course, there are additional costs, but the risk of damage due to negligence is reduced to zero. Silver and gold coins are especially attractive.

It is important to buy such coins or bars only in banks in order to select by weight. Credit institutions have all the certificates confirming the origin of the metal. So the long-term investment will pay off. Unlike ingots, jewelry is not free from impurities, so the purity of the metal in them is a big question.

So, regardless of the size of the planned investment, several million or just one thousand, all conditions must be completely clear, and the invested funds must generate income. And for this, investments need supervision. Which business to invest in?

You need to invest in real projects, and not in mirages that crumble when you look closely. So huge dividends in record time is a warning sign. It is better not to make investments in such projects: it is recommended to save your own nerves and funds.

Option number 14. Investments in studies

Where do rich people invest their money? If you have available funds, why not invest them in your child’s education? Education has long ceased to be free. And there are many payment options. You can make a one-time payment for the entire term and track your attendance at classes. The investment is completely justified

Just before investing, you should find out whether the child himself agrees to study at the chosen institution. If he does not show any inclination towards the direction chosen by his parents, then the investment will turn out to be an empty phrase.

Yes, and it is necessary to find out everything about the educational institution: it asks for a lot of money, but whether it corresponds to such infusions is a question. A limited social circle, formed according to the principle “we are friends with those with whom it is profitable” and often deliberately inflated marks are a reason to be wary and think: is such an investment profitable?

Investments in the development of personnel qualifications are one of the areas for investment among wealthy people. Knowledgeable employees who can quickly and correctly assess situations, work productively, maintaining and strengthening team spirit - this is the right investment that will pay off in the near future.

The most popular areas for investment

Investments in industry are quite large. They are dealt with by large investors. Their profits are already considerable, and therefore the size of their investments is impressive. Investing in industrial development is not only profitable, but also a very fashionable and patriotic direction.

When investing in deposits or real estate, the minimum monthly income in Russia can be ten percent. Investments in stocks, precious metals and financial pyramids are riskier. You can earn up to five hundred percent of the down payment, or you can lose everything.

A pyramid is generally an unpredictable investment method. Let the promises be fulfilled at first, and the profits reach enormous proportions. But this is only for those who came at the beginning. Then begins a decrease in income and, finally, a logical result: the disappearance of both the organizers and the money.

You shouldn’t fall for promises to easily double or even triple your money while playing Forex. Stock trading is an activity for professionals. And only they can predict the behavior of currencies, and even then not always. And losing money, and quite a lot of it, because of gullibility is too reckless. Investments in the development and development of your website, business, or participation in a mutual fund are more profitable: thirty percent of the investment will return a profit.

Where not to invest

But where you should not invest under any circumstances is in the purchase of cars and mink coats. It is clear that purchasing a pair of luxurious fur coats for the price of one is a real success.

But even a moth will not refuse a treat. Such goods do not last long, and the styles lose their relevance. The same principle applies to large chains that distribute luxury perfumes.

Home appliances are an unwise investment. It becomes outdated and loses value. It will be impossible to sell it even at the purchase price.

It is also worth remembering that even a brand new car loses about a third of its price after leaving the showroom gate. And it is impossible to return these funds. Over time, technology does not become more expensive, unlike precious metals.

Preservation of capital is a pressing issue, and therefore it is important to approach its solution carefully, without haste, having discussed all the pros and cons of future investment. Ultimately, the issue of stability and profit margins depend on the decision.

Parable of the Plumbing