Hello, dear readers of the "site"! In this article, you will learn where it is profitable to invest money so that you can receive monthly income, what ways to invest money are possible under high percent with a guarantee and how best to invest so that they work and bring profit to the investor.

This article is written based on the analysis of the experience of well-known investors, financial advisors, as well as the realities of the modern economy. Plus, the basic principles of investing, possible risks, advantages and disadvantages of each investment strategy are given.

About where you can profitably invest your money in order to receive a monthly income and what options for investing money at a high interest rate with a guarantee exist - read the website in the magazine

In this section, we will talk about the do's and don'ts for young investors taking their first steps in investment activity. Consider the rules of effective investment, which will allow you to receive a higher return than in a bank, but at the same time almost the same reliability. Why almost? Yes, because The main rule of the investor is :

The risks that an investor is willing to take on are proportional to the potential profit.

You probably can't wait to get started? Do you want us to reveal the secrets of where it is profitable to invest in 2020 year at interest to quickly earn even more?

Let's disappoint you a bit. The first thing a young, fledgling investor should start with – investing in yourself, in your knowledge and skills . Believe me, the return on this investment will surprise you!

And only then, when you already understand how a share differs from a bond, what is the capitalization of a deposit, who are brokers and traders, it will be possible to move on to practice.

📝 Read also our article about and how to become a successful investor from scratch.

2. 5 golden rules for investing money

Rule 1: Create an airbag

You should not start risky or not very financial transactions without having a reserve for rainy day.

• How much should you have in stock? According to experts, this should be an amount that will cover your expenses for six months;
• ? Save from wages or other sources of income;
• How to calculate the size of the financial reserve? Calculate your monthly expenses. For example, you got 40 000 rubles. Multiply by 6 months, we get 240 000 rubles.

This is the reserve that you will not use when investing. In order to make the first investment, you will need to save a little more.

So it's going to be forever! you say. It can be faster if you have in addition to your salary passive income , that is, the monetary resources that you receive without putting much effort into it ( rental of real estate, interest on a bank deposit etc.).

👉 Thus, if you put a financial reserve on a deposit in a bank, then you will kill two birds with one stone. Create a reserve and begin to receive passive income.

Rule 2 Don't Put All Your Eggs in One Basket

Please note that you can trade directly in currencies, stocks and cryptocurrencies on the exchange. The main thing is to choose a reliable broker. One of the best is this brokerage company .

To avoid the need to use a financial reserve, you need to correctly distribute your funds in investments. You should not immediately invest all your free money in instruments that promise high returns. The risks that you will lose everything to the penny are too great.

You wouldn't put a hundred fragile eggs in one basket, would you? The likelihood that you will drop it 50 /50 . And the risk that all the eggs will break after the fall is already much greater. This can happen with your funds if you decide to invest them all at once. only into one project.

Also, if you allocate your money to different banks, the same thing can happen. Better diversify investments, i.e. invest in different areas. Not only in banking, but also in oil, gas, information, production, etc. In the language of professionals, this is called an investment portfolio.

Investment portfolio- these are several investment instruments combined together, differing in the degree of risk and profitability.

Depending on the chosen investment strategy, there are 3 types of investment portfolios:

• Aggressive the portfolio consists mainly of high-risk assets;
• Passive the portfolio is formed mainly from bank deposits;
• Moderate portfolio includes both.

Rule 3. Assess the risks in advance

Before calculating potential profit and thinking about where you will spend it, evaluate your possible risks and losses.
Do not immediately form an aggressive portfolio. You risk losing everything!

Start small. From the amount that you are internally ready to lose (after all, there is always a risk). And gradually build up.

Take note! In no case should you use money received on credit from a bank or borrowed from friends or relatives for investments. You risk running into debt collectors and losing the trust and respect of your loved ones.

Rule 4. Choose collective investment

You don't have to invest alone. As your experience grows, you can invest in large projects by attracting co-investors. This will allow you to distribute the risks to everyone. And profit, too.

For example, if you have in mind some attractive investment project, but you do not have enough funds for it, then you can invite someone else to participate in it. You will definitely find someone who is willing to work with you. on mutually beneficial terms.

If you are not ready to manage your investment instruments yourself, you can use trustee services . This is the company that will manage your funds in accordance with the investment strategy you have chosen. She can use these funds to make a profit, but she cannot dispose of them on the right of ownership. The trustee receives a certain remuneration for his work.

When transferring funds to trust management arrived And losses distributed among investors in proportion to their contributions .

Rule 5. Generate passive income

Investment and growth of your capital is great. But do not forget that investments are always risky. Today you have income, and tomorrow you can lose it along with the invested capital. Alas, these are the realities of the modern economy.

10 profitable ways to invest money so that they work and bring monthly income

4. Where can you invest money so that it works and generates income - TOP 10 profitable ways to invest

Today you can meet a lot of financial scammers who promise easy money, high profitability in a short time. They have nothing to do with real investments.

Therefore, we will consider time-tested investment tools that allow you to get a return on invested funds, taking into account reasonable risks. So, Where is the best place to invest money to get monthly income?

Method 1. Bank deposit

A bank deposit is one of the most common investment instruments. True, the profitability of such an instrument rarely covers annual inflation in the country. Therefore, a bank deposit can be attributed more quickly to ways to save rather than increasing your capital.

Bank deposit - the most popular and easiest way to invest money at interest

Low ↓ return on investment is an honest payment for your peace of mind, because banking the risks are also small ↓.

And if the amount of your contribution does not exceed 1 400 000 rubles, then you don’t have to worry about anything at all. In accordance with current legislation, in the event of a bank failure, the state will return all your money to you.

At the moment, the profitability of bank deposits fluctuates within 7 -10% , which is a couple of percent below inflation. About that, in the economy, we wrote in a previous article.

The most popular bank among the population is Sberbank , despite the fact that the interest on deposits in it is below the market average. The reliability of the bank, and not the potential profit on the deposit, is of decisive importance for many.

The pros (+) of bank deposits are as follows:

• low risks, deposit insurance;
• the ability to return the money at any time (sometimes even without loss of interest);
• availability (you can start with a small amount, for example in 1 000 rubles).

The minuses (-) include:

• income on the deposit at best covers inflation;
• in most banks, when the deposit is closed early, interest is lost.

Method 2. Securities

Securities, unlike bank deposits, usually bring higher profitability . You can try to invest in stocks or other financial instruments on the securities market, provided that you are ready to take on higher risks . That's right, there is a detailed article on the site.

Investing in securities (stocks, bonds)

Securities are of different types. Consider the most popular: shares and bonds.

Promotion is a security that confirms your share in the company and gives you the right to vote.

Promotions are ordinary And privileged . The latter have higher percentages, but there is no opportunity to vote on general meeting shareholders. We wrote more about what types of shares there are in one of our articles.

Bond is a security that confirms that you have borrowed a certain amount of money from the company that issued it.

Unlike a share, it has a certain period of validity, after which it is subject to redemption. You can own shares for life and receive dividends.

Dividend is the return on a share paid as a percentage of par value security.

In addition, inflation annually "eats" a certain part of the money. Therefore, investing in foreign currency for several years is not very effective. .

You can buy and sell currency on a special market called (from English foreign exchange – foreign exchange). In Forex, you can buy and sell almost any freely exchangeable currency. You can buy Chinese Yuan for Japanese Yen, Canadian Dollar for Euro, etc.

Forex work traders who buy and sell currencies throughout the day. Anyone (with the help of a broker) can buy and sell any currency in Forex. We recommend working only with trusted brokerage companies. Many successful traders trade through this broker.

Many companies offer to teach the skill of working on foreign exchange market. They lure potential investors with high returns. It is worth being vigilant and remember the main rule of investing: high returns are associated with high risks!

Yes, in Forex you can increase your capital in a few months. But the risks of losing everything are very high. According to statistics 80 % of beginners lose their invested funds in the first month of working on Forex. Therefore, before you decide, carefully weigh everything!

Advantages (+) of working in the foreign exchange market:

• minimum initial capital requirements ( from 100 dollars );
• profitability is higher than the market average;
• variety of investment instruments (foreign currencies).

Cons (-) Forex:

• you need to have special skills and knowledge for investing;
• significantly high risks.

If you want to learn more about how to lead, read our article.

Method 4. Real estate

This is the second most popular strategy after a bank deposit and a good option for those who are thinking where to invest in 2020 year to earn. Real estate investment no less reliable than investments in a bank. The difference is that a much larger size is required. initial capital.

Investments in real estate

Thanks to mortgage programs banks, you do not need to save the entire amount to purchase the property of interest. Usually , enough 20 -30 % from the original cost. However, buying an apartment or house on a mortgage and repaying it within 20 -30 years at the expense of salary is not the best option for an investor.

We need to make sure that this real estate brought you passive income and covered mortgage payments.

To do this, you can use the following measures:

• rent out;
• if you bought a new building at the construction stage, sell it when the apartment is ready, at a higher price;
• make several studios out of a two-three-room apartment and rent them out as independent apartments.

Such an investment strategy requires more time and knowledge, but its profitability is also different.

Pros (+) of investing in real estate:

• the ability to receive passive income through rental payments;
• the opportunity to earn on the resale of an apartment at a higher price (read about that in our article);
• safety and passive increase of capital (real estate, unlike other investment objects, grows in price in the long term).

The disadvantages (-) of this method include:

• high requirements for start-up capital ( from 300 -500 000 rubles);
• difficult to sell quickly if you need to return the money;
• physically obsolete wear, floods, fires).

Method 5. Own business

This strategy is suitable for those who are not afraid to take risks, are ready to make decisions and take responsibility for them.

Creating your own business

When deciding to open your own business, you must:

• correctly assess all risks in the first place initial stage;
• calculate financial indicators ( payback period, required investment volume, sales plans, production cost or ulugi).

If you have an entrepreneurial spirit and some commercial experience, then you can easily cope with this.

Pros (+) of starting your own business:

• you are your own boss (you independently determine what and how to do);
• opportunity to attract co-investors ( crowdfunding campaigns, venture funds, other businessmen);
• it is not necessary to have the entire amount available to open a business (you can use bank loans).

Cons (-) of investing in your own business can be called:

• high risk of losing everything;
• it is difficult to quickly return the invested funds;
• if you attract co-investors, you can lose control of the company.

Method 6. Precious metals

Many consider investing in precious metals the most conservative option. Purchasing gold has been a serious profit for a huge number of years.

Worth considering! Precious metals are not subject to physical deterioration, while their stocks are limited. That is why the cost of gold, silver, platinum and palladium is constantly growing.

There are several options for investing in precious metals:

1. Purchase of ingots. In this case, the investor must remember that such transactions are subject to tax, whose size is 18 % . Moreover, for ingots, when they are purchased, it is obligatory issued certificate. This investment must be made for the long term. It is important to ensure a profit in an amount exceeding the amount of tax paid;
2. Purchase of coins from precious metals. Coins are not taxed. Moreover, some of them also have collectible value. But it should be understood that it is possible to get a serious profit from coins only a few years after their purchase;
3. Opening of metal accounts. A deposit in precious metals is suitable for those investors who want to invest for a short period of time. Since in this case there is no need to buy precious metals, there is no taxation. This option is one of the easiest and safest.. The investor goes to the bank, which recalculates the deposited amount in grams of the precious metal. After a certain period of time, the depositor closes the deposit, receiving the current value of the metals placed on it;
4. Purchase of securities of gold mining companies. To do this, you will have to become a member. The value of securities does not always increase quickly. Therefore, they should be purchased for the long term.

Method 7. Antiques and works of art

Often, antiques, works of art, and collectibles are called the currency of the rich. If there is a large enough amount for investment, experts recommend paying attention to investing in such property.

By choosing this method, important to remember, What such investments are made only for the long term. In this case, it is better not to count on serious profit even after a year.

However, after a few years, there may be a serious jump in the value of the acquired property. So, some paintings by famous artists at the time of their writing cost literally a few hundred dollars, after ten years - tens of thousands, and after fifty - millions.

For the purpose of investment, you can purchase the following antiques:

• antique furniture;
• books;
• icons;
• ancient coins;
• porcelain;
• dishes.

It is important to understand that these items must be old. In art history, these are things made over 50 years ago . Some of these items may be of historical value and are protected by the state.

Investing in antiques requires a lot of money. Even 500 000 rubles for this type of investment is considered a small amount. However, you can start small. So, For example, Tretyakov I managed to collect my collection, starting with just a few paintings.

It should be understood that for the acquisition of really valuable things it is required to be an art historian yourself, or to have such an acquaintance. Without the appropriate education, it is almost impossible to understand which items are of real value.

Of course, you can use the services of a consultant. However, this requires additional financial investments. Do not forget that any art critic can only assess the current value of the subject, and not its potential profitability. You should contact specialists who understand not only art, but also investment.

Method 8. Franchising

Those who have a capital of half a million rubles or more can create their own business by purchasing franchise . In this case, the activity is carried out according to the scheme worked out by the seller. We wrote about that in detail in a separate article.

Starting a franchise business

It is important to understand that franchising cannot become passive income. The amount of profit depends primarily on the activity of the businessman.

However, the franchise helps save time, money and effort. This is achieved due to the fact that marketing schemes, all processes in such a business have been worked out.

Franchise benefits include:

• relatively short payback period from half a year to a year;
• brand awareness ensures the presence of a customer base no additional ads, franchised goods and services already have their customers;
• the franchisor constantly supports the businessman;
• the level of competition is minimal, since the franchise provides for a specific number of projects in a certain territory.

However, the business based on franchising has serious flaws . The main one is that by acquiring a franchise, businessman is limited in his actions. He is tied to the developed system and has no right to change the algorithm of actions without coordinating them with the franchisor.

Method 9. Binary options

Experts claim that binary options are the most fast way earning income from investments. The basis of this option is the ability to take risks, as well as analyze the economic situation in detail.

The task of an investor who has chosen binary options is to correctly predict the value of an asset in use over a certain period of time.

After a specified period, the result is evaluated.

• If the assumption is correct, the investor will receive profit . It may be approx. 80 % rate;
• However, the forecast may not be confirmed and the price will go in the opposite direction. In this case, the account will be fixed lesion up to 100 % rate.

At first glance, it seems to many that making money on binary options is the same as playing roulette. However, it is not. A more thorough study of the work on binary options allows you to increase the accuracy of forecasts, and therefore increase your profits.

There are a number of advantages of the investment method under consideration:

1. A large number of trading instruments to choose from. Even a novice investor will be able to work with both currency pairs, so with shares, oil And precious metals;
2. The amount of profit, as well as the level of possible loss, are predetermined. Moreover, some trading platforms allow you to independently determine the ratio of profit and loss;
3. The marketplace can be accessed at any time from any device. There is no need to install additional software for this. To start the analysis, it is enough go to the broker's website;
4. Trade binary options available 24 hours a day, 7 days a week. Therefore, an investor can earn at any free time;
5. The trading interface is intuitive even for novice investors. In this case, only the final result of the asset value is reflected, intermediate prices are not shown to the user.

There are 2 options for earning on options:

• call up represents a deal to buy . It should be used if prices are expected to rise. If the value of assets decreases, there will be a loss.
• put down - This sale deal , the profit will be received in the event of a decrease in the value of the asset.

Despite the large number of advantages, binary options trading also has disadvantages:

1. A single wrong trade can result in losses of about 90 % invested funds. To return them, you will need at least three profitable trades;
2. When trading binary options, it is impossible to refuse a transaction or close it before it ends. Even in those cases when the investor realizes that he made a mistake, he has no choice but to wait for the option to expire;
3. Unlike forex, there are no credit obligations here. It turns out that the investor has the opportunity to trade only those funds that he has available.

Binary options allow you not only to save your own funds from the harmful effects of inflation and devaluation, but also to increase them. To do this, it is important to carefully study the market, as well as make the right choice in favor of one of the brokers.

Method 10. Internet projects

The development of modern technologies has led to the fact that the popularity of investing through the Internet has increased significantly.

There are several directions for investments that are suitable for both a novice investor and an experienced one:

1. Investments in startups, which are special Internet resources created for the purpose of development or their subsequent sale. The owner of the funds must understand all the details of the project and carefully control the execution of the work. The amount of funds that the investor will receive is determined primarily by the degree of development of the resource, as well as its attractiveness for future buyers.
2. Invest in your own website. A successful online resource can become the basis of a business and bring regular income. This approach allows you to start your own business even with a small sum of money. There are no rental costs commercial real estate, staff salaries. It is possible to offer a product or service to a wide audience. Investments in such a business are less risky, but the amount of profit in any case is determined by the efforts of the entrepreneur.
3. Investing in online projects that seem to be the most profitable for the investor. You can choose effective Internet projects on specialized online resources. The investor thus acquires a part of the business. Subsequently, he is entitled to a percentage of the profits or resale of the share. Relations between the owner of the project and the investor are regulated by a special type of agreement. However, it is worth considering, how to predict efficiency almost impossible. There are serious risks of such investments associated with the unpredictability of market behavior.

When choosing an investment method, it is important to conduct a qualitative analysis. This is the only way to understand the potential profits and risks of the project.

The surest way to invest money at a high interest rate with a guarantee is a bank. And in which bank is it better to invest capital at interest with monthly income - see below in our review

5. Where is it better to invest money at a high interest rate with a risk-free guarantee - an overview of the TOP-5 banks

You can get a guarantee of income, as well as ensure the safety of funds by investing them in a bank.

Important! At the same time, it is worth choosing such credit institutions that participate in the deposit insurance system and have a high-quality reputation.

In addition, you should study and compare the conditions for deposits in different banks.

In which bank is it better to invest money at interest in 2020?

So let's take a look, in which bank it is profitable to invest money at a high interest rate with a guarantee (with a monthly income). In order not to waste time analyzing a large number of banks, you can use the ratings of specialists. Example list of the best banks for investment presented below.

1) Tinkoff Bank

Tinkoff is a unique Russian bank. It does not have a single branch throughout the country. Customer service is carried out completely remotely.

Here you can open a deposit at a rate up to 7% per annum . The payment is made monthly. In this case, the amount of the deposit must be not less 50 000 rubles.

The depositor has the right to choose the method of interest payment:

• capitalization;
• transfer to a separate card account.

The agreement provides for the possibility of replenishment, as well as partial withdrawal of funds.

2) Sovcombank

Sovcombank has extensive experience in the Russian financial market - it was founded in 1990 year. Today it is one of the twenty largest banks in our country.

A credit institution offers customers to open a deposit at interest up to 7.6% per annum . Minimum amount at the same time is 30 000 rubles.

Interest is paid at the end of the contract term. Besides, at early termination interest behind 3 months, half a year and full number of years are saved. The deposit can be replenished, but partial withdrawal is not provided.

3) UniCredit Bank

UniCredit Bank is a credit institution based in Europe. This bank came to Russia over a quarter of a century ago. Today it is the largest credit organization in our country with foreign capital.

Rates on deposits depend on the term, method of interest calculation, amount. Opening a deposit in rubles , available before 8,35 % per annum, in dollars – before 3,23 % , In Euro – before 0,20 % .

In this case, there are 2 options for calculating interest:

1. with a monthly payment;
2. with capitalization.

For the convenience of choosing a deposit, you can use the calculator posted on the bank's website.

4) Ural Bank for Reconstruction and Development

UBRD is one of the leaders in the Russian banking sector. The credit institution has a wide branch network, which includes more 1 500 branches throughout the country.

Here you can invest at a rate up to 11% per annum . Interest is charged every 50 days. In this case, income can be capitalized or received.

For those who open a deposit in online mode , UBRD increases the rate by 1 %. Moreover, the bank connects depositors to the Internet banking system for free.

5) Absolut Bank

Absolut Bank operates on the Russian financial market with 1993 of the year. During this time, the credit institution has won recognition not only from customers, but also from world rating agencies.

Clients can receive income on funds invested in this bank in the amount of up to 8.5% per annum . The deposit amount must be at least 30 000 rubles. Interest on this offer is paid only at the end of the contract. Replenishment, as well as partial withdrawal are not provided.

For ease of comparison, the main conditions of the above deposits are shown in the table.

Table "Banks with the best conditions for deposits, the main parameters of deposits":

Credit organisation	Deposit rate	Basic conditions
1. Tinkoff Bank	Before 7 % per annum	The depositor chooses to capitalize interest or receive monthly on the card You can replenish and partially withdraw the amount of the deposit
2. Sovcombank	Before 7,6 % per annum	Interest payment at the end of the term Possibility of replenishment, partial withdrawal is not provided
3. UniCredit Bank	Before 8,35 % per annum	Calculation of interest monthly - at the choice of the investor by capitalization or payment
4. Ural Bank for Reconstruction and Development	Before 11 % per annum	Capitalization or interest payment When ordering online, the rate increases by 1 %
5. Absolut Bank	Before 8,5 % per annum	Interest is paid at the end of the contract Replenishment and partial withdrawal are not provided

4 current investment options Money today at high interest

6. Where it is profitable to invest money in 2020 at interest - 4 best ways today

Bring low income. There are ways to invest that allow you to get much big profit.

Choosing best option, don't forget What As income increases, so does the risk of losing the investment.

Let's take a closer look below main ways of investing for the purpose of generating income.

Method 1. Promising startups

Investing in startups attracts investors because the potential income in this way is unlimited. On the Internet, there are a huge number of projects in which you can invest. To search for them, you can use specialized sites.

When choosing, it is important to conduct a thorough analysis and comparison of a large number of projects. It should be remembered that some of them bring profit for several years. Other projects turn out to be unpromising and entail only losses.

Method 2. Private lending (P2P lending)

Private lending has recently become more widespread and developed. This option involves the issuance of a loan by one individual to another. Using this method, it is important not only to draw up the contract as competently as possible, but also to conduct a thorough analysis of the potential borrower.

Explicit advantage private lending advocates high level of profitability . By lending funds even for a short period, you can ensure profitability before 50 % per annum.

However, there is also a significant flaw – high profits come with serious risks. There is a possibility that the loaned funds will not be returned. It is impossible to guarantee the honesty of the borrower even in the case of a thorough study of its characteristics.

Method 3. PAMM accounts

By investing in PAMM accounts, the owner of funds transfers them to trust management professionals. When receiving money, the manager puts it into circulation and does everything to get the maximum profit.

The investor can only wait until the experts distribute his funds between exchange-traded and other promising assets in order to generate income.

Thus, PAMM accounts are one of the types of passive income. At the same time, the risks of such investments are relatively low.

In order to independently profit from trading on the stock exchange, not only money is required, but also specialized knowledge. At the same time, to invest in PAMM accounts, it is enough to find a company that provides sufficient profitability and transfer funds to its management.

The profitability of such investments is determined primarily by the correct choice of the manager. This process requires a significant amount of time, as well as additional knowledge.

Method 4. Mutual investment funds (mutual investment funds)

mutual funds essentially represent collective investment management funds. The property of such a fund is divided into parts, which are called share . We wrote more about (mutual investment funds) and how they work in a previous article.

The high liquidity of investments in mutual funds is achieved due to the fact that the units are traded on the market. At the same time, the activity of funds is regulated by law.. The relationship between shareholders and the mutual fund is determined by the relevant documents.

An investor buys shares when he expects their value to rise. Once the price reaches the expected value, the profit can be fixed by selling it.

When choosing a mutual fund for investment, it is important to consider its type. You can sell a share at any time only if open fund. From interval mutual fund you can leave only at predetermined intervals, and from closed- upon completion of his work.

It is impossible to determine in advance what profitability the fund will show based on the results of its work. Profits can reach 50 % per annum, which exceeds the deposit rate by about 6 once. However, the market average is about 20 % .

It happens that funds show losses. But do not be afraid that managers will always give negative returns. The amount of their commission depends on the amount of profitability . Therefore, they make every effort to obtain maximum profitability.

Among the advantages of mutual funds are the following:

• availability. This type of investment is available to everyone, since it is enough to start investing 1 000 rubles;
• high level of liquidity;
• PIF activities are regulated by law and is under the control of the state;
• professional money management.

However, mutual funds also have flaws . The most important of them is no guaranteed profit .

It should be borne in mind that some managers receive income even in cases where their work does not bring profit. That is why some funds in the course of their work show zero profitability, and sometimes loss.

There are many types of mutual funds available. However, regardless of the choice of the type of mutual funds, experts recommend investing in them only if long-term investments are planned.

It is important to carefully read the advantages and disadvantages of various types of investments in order to choose the best option for yourself.

7. Where not to invest your money - unsuccessful investment strategies

Many people want to make quick money without realizing that too high returns are associated with high risks.

Financial Pyramide is a deliberately unprofitable organization that pays income to investors by attracting funds from new investors.

Ponzi schemes were very popular in 90 years in our country. I think everyone has heard about Sergei Mavrodi and his MMM .

But do not think that all these fraudulent organizations have sunk into oblivion. Every year, thousands of gullible investors suffer from the actions, or rather, the collapse of such pyramids. How not to fall into the financial pyramid?

Let's highlight the main features of a fraudulent scheme:

• Too high return 30 % and higher);
• Aggressive advertising;
• Lack of real activity (does not produce or sell anything);
• The legal address of the company is located outside the country (offshore). we wrote in a separate article.

8. Answers to frequently asked questions

The topic of investing in order to generate income is quite extensive. In the process of studying it, a huge number of questions arise. Today we will answer the most popular of them.

Question 1. Is it possible to invest money at 50 percent for 24 hours?

Today on the Internet you can find a huge number of proposals for investing money for a day. However, not everyone knows how real it is.

Earn in such a short period of time allow investment programs of microloan services. This option allows you to invest just for a day, counting on profitability minimum 8%.

Services that issue microloans allow you to replenish your account in a short period of time and start earning, minimizing the risks of losing funds.

The main advantages of this option are:

• high profitability;
• the opportunity to participate in the investment program with minimal investment;
• comfort of transactions;
• ease of withdrawal.

In addition, before investing money in a microfinance company, you should carefully study its reputation.

Question 2. Where to invest money (rubles) so as not to lose them?

We answer the popular question, where to invest money (in rubles or other currency) so as not to lose it

Keeping funds in rubles is not reliable. This is especially true in times of economic instability. Availability in our country is enough high level inflation and devaluation leads to the fact that simple storage of money in rubles becomes quite unprofitable.

For those who have financial savings, experts recommend investing them. This method of managing funds is more progressive and profitable.

You don't have to be a financial analyst to understand the effects of inflation and devaluation. It is enough to compare prices for certain goods and services over a long period of time.

There are several reasons for the depreciation of the ruble:

1. decrease↓ prices for raw materials negatively affects the purchasing power of the Russian currency, as it is clearly linked to oil prices;
2. sanctions of foreign states significantly aggravate the position of the ruble against other currencies.

The described situations lead to the fact that the simple storage of rubles will lead to the loss of part of the funds. This is especially true for large sums of money. In fact, the nominal amount of capital does not change, however decreasing ↓ purchasing power assets.

Proper investment will help the investor:

• eliminate the impairment of the amount available;
• with a successful combination of circumstances, and completely increase capital;
• partially insure against serious economic shocks that are possible in the future.

The profitability of an investment depends on a huge number of factors. First of all, this concerns the size of the amount available. However, regardless of the amount of capital, investment is a better solution than conventional storage. .

Investing always comes with the risk of losing money. However, if the investment is successful, you can ensure a stable passive income, as well as financial security.

Novice investors often face a number of mistakes that can increase riskiness:

• making decisions about investing on emotions;
• lack of thorough analysis;
• low level of financial knowledge, as well as unwillingness to learn.

Question 3. Where can I invest 100 thousand rubles so that they generate income?

Some people think that you need to have several million to make a successful investment. However, this is fundamentally wrong. Quite successful investments can be made even if there are several thousand, therefore 100 000 rubles and are an excellent amount to start investing.

If it is possible to allocate capital at least in 3 -x investment areas, you can count on serious insurance against various force majeure circumstances.

IN modern economy it is better to use the following investment methods, which are quite reliable and promising:

• investing in Internet projects such as websites, blogs, online stores;
• bank deposits;
• investing in innovation, as well as promising start-ups;
• investment in art;
• purchase of precious metals;
• investments in securities;
• acquisition .

Proper investment allows, having 100 000 rubles, to provide additional income.

If you have a larger amount, for example, a million or more, then we recommend watching the video below:

Greetings! This year cannot be called boring and predictable, neither for Russia nor for the global financial markets. Indices like Russia and the USA have been growing well, over the past 10 months my portfolio has grown by 20 percent.

What's next? How to preserve capital in a situation of high uncertainty? What to invest in in 2019-2020? For convenience, I divided the tools by goals: not to lose, to earn on the growth of the asset and / or and receive income in foreign currency.

Here I took the tools with almost 100% reliability. "Almost" because. All three assets only partially compensate for the losses from inflation!

Bank deposits

If your investment horizon is too short for risky assets, you don't have much of a choice. Ideas will also have to be left, so the only thing left for you is banal bank deposits.

If you need to try to save your capital first of all from your loved one, then it is better to open term deposits, without the right to replenish and withdraw (for example, the “Save” product from Sberbank). These deposits always offer the maximum interest rate. And it is forbidden to withdraw part of the deposit until it is closed.

Most importantly, do not forget about the "limiter" in the form of 1.4 million rubles in one bank. This is how much (and not a penny more) the Deposit Insurance Agency will return in the event of a bank failure.

Reliable bonds

If you have a slightly longer horizon and a slightly higher financial IQ, you will probably be interested in these debt securities. Judge for yourself: the risks of state bankruptcy are much lower than the risks of bankruptcy of any one bank, even a large one. Plus, bond yields are almost always higher. bank deposit.

By the way, do you know that with the money that you leave in the form of a deposit, the bank almost immediately buys bonds and thereby earns the difference in interest without risking anything?

Bonds are the safest federal loan. Their repayment is guaranteed by the government Russian Federation. But it is better to form a bond portfolio from . Fortunately, the symbolic value of the bond (only 1,000 rubles) allows this.

You can advise something specific only knowing your specific investment plan, so below I will give a couple of papers that are interesting in my opinion.

For example, OFZ-PK are bonds with a variable coupon. The coupon is linked to the average RUONIA rate and is revised from time to time. OFZ-PD fixes the coupon rate at a constant level (for example, 6-7% per annum) until maturity.

But the most interesting option in 2019, I think. The face value of such bonds is constantly indexed to the level of inflation (calculated by the consumer price index for each day with a lag of three months). For OFZ-IN, the coupon is 2.5% per annum above inflation (CPI).

Gold

Stock

Unlike bonds, stocks are instruments with potentially high returns. Experts believe that in 2019 the MICEX index will still grow, the Central Bank will continue to reduce the key rate, and oil prices will rise. Against this background, many Russian "giants" have a good growth potential.

To make a profit in the future, today you can invest in the securities of exporting companies: ALROSA (the company's excellent performance over the past year), Protek, NLMK (Rosneft is not on the list of recommended companies). Analysts advise paying attention to shares of LUKOIL and Sberbank, which were undervalued last year (even despite the fact that it grew quite strongly, its p\e is still low).

Some are betting on the rise of the electricity companies that bummed out last year. Of particular interest are the shares of Rosseti and IDGC of the South.

The main idea and advice is to pay attention to companies with the prospect of growth and.

Abroad, the high-tech sector looks more promising than others: Facebook, Alphabet, BYD Company, Google, Amazon, Netflix, NVIDIA and others.

Own business

Owning a business is a profitable, but very risky option. Initial capital is needed from the first day, and the return on investment can be obtained, at best, in six months or a year. Or not get it at all...

In order not to risk large sums, start with a project on the Internet. Firstly, a lot of problems like renting an office, warehouse and logistics disappear. Secondly, the starting amounts here are much more modest than for opening your own.

To earn passive income

Real estate

Real estate brings passive income only when "square meters" are rented out. But you should not count on millions in profits from the delivery of ordinary residential premises.

I cite data for 2016 from the analytical center SRG. The average return on residential real estate in St. Petersburg is 7.7% per year (return on investment is 14 years). In Moscow, the average yield is lower: 5.8% per annum with an object payback of 17 years.

Real estate abroad brings even less - up to 5-6% per annum. In some cases, it is better to transfer the decision of all organizational issues to a professional management company. She will look for tenants, resolve issues with current repairs and payment, etc. For this, she will have to “gift” 15-20% of the rental price. But - a real passive income!

On the other hand, if you have an apartment for rent, you can try to rent it out by the day (through AirBNB, mainly to foreigners) and thereby increase the yield up to 10-12% per annum with a good load.

To receive income in foreign currency

Of course, in order to receive income in foreign currency, you can simply buy shares or. Thus, you partially eliminate the risk of being left with nothing. another collapse ruble. But there are other ways too.

Eurobonds

Eurobonds can boast all the advantages of ruble bonds. Plus, they have additional protection against currency risks. After all, they are “euro” for that, which is denominated in foreign currency: dollars, euros, Swiss francs and British pounds sterling.

Today, Eurobonds of such companies as AHML, Alfa-Bank, VTB Bank, Gazprom, LUKOIL, MTS, NLMK, Novatek, Russian Railways, Rosneft, Sberbank, PhosAgro and Uralkali are represented on the Moscow Exchange.

The average yield on Eurobonds is 3-5% per annum (paid twice a year). The minimum face value of a security starts at $1,000. The main problem of such securities is liquidity. But more about that some other time.

unit-linked programs

About unit-linked programs, I already . Let me remind you: a foreign product combines savings, life insurance and investments.

Moreover, you can invest in a bunch of foreign instruments that are not available to private investors from Russia. For example, in the same mutual funds, where entry thresholds through a broker often start at $50,000.

By the way, since 2013, it has been successfully traded on the Moscow Exchange, which cover a fairly large part of the markets that were previously available only through foreign brokers.

For some of them, the average annual return from mid-2014 to mid-2016 (in terms of rubles) was about 50%. For example, FinEx MSCI USA Information Technology UCITS ETF (shares in the US IT sector) grew by 49.8% per year.

But foreign currency deposits today bring mere pennies (up to 2% per annum). And no one is already considered as a serious tool for investing.

In this article, I have given only a part of the tools available to an ordinary investor from Russia. Remember that only by collecting from this kind of assets can you be sure of achieving the challenges you face!

What assets do you plan to invest in in 2018-2019? Subscribe to updates and share links to fresh posts with friends on social networks!

Hello! In this article we will talk about investing on the Internet.

Today you will learn:

• About the features of investing on the Internet;
• How can you start making a profit?
• About the rules of online investment;
• And how can you make money with only 100 rubles.

The Internet has greatly facilitated many areas of everyday life. But most of all it affected the financial sector. Now you don’t have to wait several days for money transfers, cash has almost completely disappeared from the circulation of companies, and banks are already issuing loans on the Internet with might and main.

Investment activity is also gradually moving to the Internet, but the rules for investing on the World Wide Web are still being formed. So what should you invest in online? How can you get the maximum profit? And what risks await those who dare to invest in the World Wide Web? You will learn about all this below.

Features of investing on the Internet

Websites are made for several purposes:

• Getting profit from advertising;
• Sale of goods or services;
• Self-promotion.

The most popular way to make money on the site is advertising, and for this, dozens of sites are created every minute, only one of which will bring real profit to the owner. In order to, you will need minimal knowledge in the field of site building and promotion. But most of this knowledge is acquired along the way, and the main thing in creating a site is to start.

Startups

Investing in is a rather risky, but profitable idea. There are many services online where people raise money for their new and ambitious projects. Investments in their business imply the presence of a share and, accordingly, a claim on the company's income.

To understand the probability of receiving investments, you need to refer to the statistics:

20% of startups turn out to be profitable for investors. 60% come to a breakeven point and end their activities. 20% bring losses. Accordingly, 1 out of 5 startups will make a profit, 3 will recoup investments and 1 will be unprofitable.

That is why you need to invest in startups with a minimum amount of knowledge. First you need to carefully study the niche, then the project, and only then make a choice whether to invest in it or not.

Mutual lending platforms

Mutual lending among individuals- what the market has come to over the past few years. The emergence of microfinance institutions has left the niche of short-term and cheap lending open. And platforms that distribute money between investors and creditors entered the business. Most often individuals. Interest on such sites is higher than in banks, but lower than in microfinance. They bring up to 50% per year.

There is another service for mutual lending - Debt Webmoney. There, users independently issue loans to each other. Interest on loans can reach 100% per day, but the risks are quite high. About 70% of loans through this system are not returned to creditors.

Deposits in MFIs

Microfinance satisfies the need of the population for quick money, but their own funds are often not enough for this. That is why they attract deposits of individuals and in large volumes. You can become a contributor by going to the website of any microfinance organization in the "investors" section. There will be all the relevant information about the amount of funds for investors, interest rate and guarantees.

This method is very risky due to the fact that there is a high risk of non-repayment of funds by clients, and, accordingly, a delay in payments on the deposit.

Domain investments

The most controversial of all investment methods. It can bring as much as 10 million for one transaction, and not bring a single cent to the investor. Who invests in domains and why? Most investors assume that a company or individual will want to make a site on a themed domain and buy it ahead of time to resell it.

Some domains now owned by global corporations have brought in hundreds of thousands of dollars to their original owners. And all so that the domain is remembered and associated with a particular company.

Pros and cons of investing online

Now consider all the pros and cons of investing on the Internet.

Among the advantages can be identified:

• Consistently high profit;
• All operations are carried out from home;
• Free schedule;
• Minimum financial investment;
• Ease of control;
• The ability to withdraw funds at any time.

But minus one, and for someone it can block all possible pluses. This disadvantage is the huge risks that the investor takes on. Having invested in any online project, regardless of whether it is a forex broker, a startup project, or a mutual lending exchange, it is always worth remembering that there is a significant risk that the money will never be returned.

There are two categories of risks: trading and non-trading. Trading includes many investor errors in the disposal of funds. Wrong choice of object, amount of investment, slow response to losses, and so on. All this leads to the fact that the investment account goes negative, and the investor suffers losses.

Non-trading risks - all that does not depend on the investor. Force majeure, hacker attacks and other events that happen by chance. They cannot be prevented, but you can react in time and minimize your losses.

Fraud by investee companies, at first glance, falls into the second category. But it's not. Investing in scammers is a direct mistake of the investor and his flaw. This means that the person did not collect all the data about the company and failed to recognize the fraudster.

One of the investment rules is that the losses are entirely on the investor. After all, he himself chose the object and the amount of investment. Therefore, from each loss of money, he must learn lessons about what not to do. But do not forget that profit is also the result of the investor's activity, and it also needs to be analyzed and the same decisions repeated in order to receive income in the future.

The main mistakes of investors

It’s better to learn from someone else’s example, so let’s look at the top 5 main mistakes of beginners and experienced investors:

1. Lack of strategy. This is the main mistake that reduces investment to playing in a casino. Winnings are possible, but losses will hit your pocket much harder;
2. Investment in one project. Diversification (sharing) of risks is the key to making profits and minimizing losses. Divide your investment into 3 projects and the collapse of one won't hit you as hard at the expense of the others;
3. Investing in untested projects. Returning to the previous topic - fraud on the part of the investment company lies entirely on the conscience of the investor, because he himself chose and invested his funds there;
4. The pursuit of profit. Especially at the initial stage, investors try to get everything at once, investing in high-yielding, untested assets. And suffer a natural collapse. Excessive greed did no one any good;
5. Safety Disregard. Payments on the Internet must be protected by the highest level. The safety of funds depends on this, especially in the current realities of constant hacker attacks.

In general, it is enough for beginners to follow the simple tips given in this article and avoid mistakes in order to get a stable profit with a high degree of probability.

There is always a way to earn more and faster, especially when it comes to online investments, because there are no boundaries, the audience is huge and all good things spread with lightning speed.

This review is devoted to high-yield investments, where you can invest money to get high profits, how much you can start with, what risks and other issues.

Highly profitable investments – This investing in projects that can bring in a very short period of time ( several days to several months) profits significantly exceeding the annual yield on classic financial market instruments, such as bank deposits, bonds, mutual funds with conservative strategies, etc.

Before considering high return investment, You need to at least roughly know what numbers to focus on.

As a standard, we take a bank deposit with a rate 12% per annum and the amount 100 000 rub. as the most reliable and conservative way to generate income.

Having invested such an amount, in a year you will receive 12 thousand rubles. or 1000 rubles. per month, which is not so thick with such a significant amount, even without adjusting for inflation, and after all, not everyone has free 100,000 rubles for investment.

IN high yield investment rating includes only projects whose profitability exceeds this indicator by 2 times, and the benefits cover possible risks. In practice, high-yield investments on the Internet bring from 60-80% to 100-200% per annum.

Rating of high-yield investments

The most highly profitable investments

Options	Profitability, per annum	Risk	Experts	Min. attachments
Stock	30-80%	Average	Needs thorough analytics and information	From $50-200 per portfolio
PAMM accounts	40-90%	Short	A portfolio of 5 PAMM accounts is required.	From $10 per PAMM account
Binary Options	100-3000%	High	You need to apply not a lot of market analytics, do not play	From $10 per trade
Microcredit	100-300%	Average	Success comes with experience	From $10-100 per loan
HYIPs	100-200%	High	A very dangerous option.	From $10-100

Note that we do not consider venture investments, hedge funds and start-ups, since for the most part they are practically not available to individuals with small capitals, where institutional investors invest mainly with amounts from 20-50 thousand dollars.

The average return on investment in the stock market is 20-25% per year, which is already twice as much as a bank deposit. But this is just an average percentage that can be raised to 30-80% by investing in fast-growing companies.

For example, only one Amazon has grown by 300% over the past 2.5 years.

Look at the yield of some securities on the NASDAQ exchange:

But what profit can bring in a month, even well-known companies whose products you may use yourself:

If you look at the indicators not only for the year, but also for 6.3 months, you will see that the results are quite stable.

It is worth clarifying that not every PAMM account is able to enter rating of highly profitable and reliable investments, but only those whose managers have been trading profitably for more than 6 months, showing stable results.

When investing in portfolios, you can choose different managers, so investments will be more reliable, and the portfolio will protect you from losses.

The potential risk, as elsewhere, is present, but it is still much less than in HYIPs, so PAMM can be attributed to highly profitable investments of high reliability.

The manager can open trades using the general funds of investors, but cannot withdraw money or transfer them to other accounts.

As a rule, PAMM managers trade on Forex, but the scheme can work on other markets, providing high yield investments in stocks, raw materials or cryptocurrency.

Before investing in, it is worth studying in detail the statistics of the work of the managing trader, as well as getting acquainted with the size of the commission that he takes.

As for profitability, on PAMM it is not the same and varies greatly not only from one manager to another, but also from one manager in different periods. The more conservative the trader's strategy, the lower the income, but the more stable. A good result is +5-10% per month stable for a long time ( i.e. 60-120% per year).

More aggressive, but acceptable strategies can give 20-30% for several months in a row in one period, but sooner or later they will lead to -5-10% , and even large losses, which can also last quite a long time.

Thus, by investing $100 under the average 10% per month, which is quite realistic for PAMM, in a year it will accumulate 100-120% , that is, an investment in $100 in 12 months it will turn into $220 . If you constantly apply profits, then after 12 months, with unchanged indicators, it can amount to over 160%.

Unlike classic trading on Forex and stock exchanges, where you most often have to wait for hours, days and even weeks to get high profits, they allow you to earn huge amounts of money in minutes.

All you need to do is to set the expiration time of the option ( and some other brokers allow you to set this value to 30 seconds), select an asset and specify the terms of the transaction UP or DOWN, that is, the price will rise or fall at the end of the option's life.

Seems simple, but look at the yield! Brokers pay for every successful trade from 69 to 80% profit. And it does not matter how long your transaction is, whether it is 30 seconds or one day.

Let's show with an example how this happens. We went in and chose an asset:

Specify the term of the transaction until 21:20 (after 9 minutes it will automatically close):

Since a stable downtrend has formed on the chart, we decided to follow it and indicated the forecast as the main condition DOWN:

Securities do not change their trends as quickly as currencies and it is unlikely that something will change in 9 minutes.

If at the time of closing the price of Starbucks shares is lower than at the time of purchase, according to our DOWN forecast, then we will receive a 79% profit.

9 minutes flew by quickly and look at the chart at the time the option was closed:

In just 9 minutes we got 79% profit or from our investment amount in $80 net profit amounted to $63,2 (total revenue $143.2). These are not only highly profitable investments, but also very short-term ones.

Perhaps someone will object to the above example and say that this does not always happen, but the opposite result is quite likely, in this case we lose the entire amount of the investment. Yes, it is quite possible, because high-yield investment without risk practically never happens, and the loss is equally proportional to the probable profit, but if you apply, analyze and meaningfully make short forecasts, you can make more than 60% of successful transactions, and this can bring you a profit of 100-300% per month, thanks to proper capital management.

Risks of High Yield Investments

In order to achieve high profits, a high risk is needed, which is why the right one is needed, which means that you do not need to invest all the money in one project at once, but in several different ones, breaking the amount into parts, so that even in case of failure in some of them, the profit in others completely covered the loss of investment and still brought in a plus.

As a result, all risks are minimized, and the opportunity to receive high income remains almost at a high level.

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