Hello friends! With you is Alexander Berezhnov, entrepreneur and founder of the website “PAPA HELPED”.

Everyone wants to earn money without leaving home. The global network allows everyone to earn income with just 1,000 rubles on hands. In this article I will talk about investing on the Internet, share my experience and explain in detail what you need to do to make your money generate income.

I’ll say right away that the article will not contain links to scams and HYIPs, so that you, dear reader, do not lose your money.

Remember that all investments with profitability above 20% per annum are associated with increased risk and the Internet is no exception!

From the article you will learn:

• How to invest your money on the Internet and not lose it?
• What areas of investment will be relevant in 2020?
• Signs that they want to deceive you: how to distinguish a financial pyramid from an honest online investment project?

Already interested? Then let's go!

“PAPA HELPED” shared his vision of investing on the Internet

What are investments on the Internet, what are they like and how can a beginner make money on them?

Let's start with what investment is in general, since it makes no difference whether you are engaged in this area online or not.

Investments– these are resources (time, money, equipment) invested in a project with the aim of increasing them (making a profit).

All investment tools, both online and offline, can be divided into 3 conditional categories regarding risk:

1. Conservative. Profitability: up to 12% per annum. This includes bank deposits, government bonds, Residential Properties, precious metals.
2. Moderate. Profitability: from 12% before 25% per annum. This category includes commercial real estate, shares of well-known companies - “blue chips”, bonds of private large enterprises, antiques.
3. Aggressive. Profitability: over 25% per annum. These are investments in business, startups, the purchase of cryptocurrency, little-known but potentially interesting funds with “exotic assets”, for example, profitable Internet sites.

Please note that I’m not even taking numbers like this here: 100-200% profitability or more. Since in this case the risk of losing your funds is almost guaranteed!

Now I’ll tell you exclusively about investments on the Internet and their features.

If you are looking for where to invest 1,000 rubles and receive from it consistently 100-200 rubles monthly, I recommend giving up this idea and taking off your rose-colored glasses. All projects that promise 1,2,3 or 5% per day- obviously fraudulent.

Yes, at your own peril and risk, you can invest money in such an adventure to play with it and tickle your nerves, but nothing more.

Invest only those funds that you might lose and never take out a loan for investment unless you have experience and a detailed understanding of the investment object.

There are several on the Internet relatively reliable tools investments, but they do not give you a 100% guarantee of their safety and increase:

1. Your own internet project(website, blog, service).
2. Investments in securities(stock market).
3. Compulsory medical insurance – ABOUT impersonal M metal WITH couple (purchase of virtual precious metals for real money).

I will give you options on how to make money by investing on the Internet.

These are general schemes for users with different levels of competence:

1). Register a domain (site name) with a sonorous name and resell it. Here your profit can be very significant, but the risks are also high. You need to find your buyer. You can do this in just 100 rubles, and the profit can be several thousand . But this is more of a business than an investment; it is called cybersquatting.

2). Buy a website, which brings in income from advertising and “milk” it further. The essence is the same as with a business: you acquire an enterprise and receive income from it as the owner.

3). Create an online portfolio from different investment instruments: several sites, stocks, bonds, deposits. Here you will have both conservative investments and more risky ones, but with higher income.

This is the most sensible approach, since due to the number and variety of assets, the risks of losses are reduced.

Myths and misconceptions about investing on the Internet - you need to know this

Often people do not have many prejudices and misconceptions. Here I have revealed the most common ones.

Check them out, maybe you think so too

Myth 1. On the Internet, the principles of investing are somewhat different from offline. The essence of both is the same, you risk your resources in the hope of getting interest on them. The higher your risk, the potentially more profitable investment. However, on the Internet, much less attention is paid to the correct preparation of documents and the official execution of the transaction. As a result, the investor may simply lose the right to the purchased asset.

Myth 2. To start investing you need millions of rubles (dollars) or at least hundreds of thousands. Most people imagine an investor as a rich guy who over 50, with a cigar and a bag of money. This is wrong. By building his online portfolio, an investor can buy stocks and bonds whose price is lower 1,000 rubles and these will be his first assets. Of course, the profitability will be appropriate: you will earn a couple of buns a year from such capital, but the main thing is to take the first step and understand the topic in practice.

Myth 3. There are other risks when investing money (some people believe that there are more of them, others believe that there are fewer of them). The risks when investing on the Internet are the same as offline. They are no more and no less. You can lose money anywhere. To prevent this from happening, carefully evaluate the investment object and draw up documents correctly if you give money to someone. Also try to get other money-back guarantees when transferring funds online.

Myth 4. Internet investments bring much more than real estate or a bank deposit. There is some truth here, but the risks of most Internet tools are much higher than banking and real estate. Think for yourself, would tycoons with money invest their millions of rubles or even dollars in a bank at meager interest rates, if the Internet allows you to earn money at the same risks? 5-10 times more.

Myth 5. You DO NOT need to pay taxes on income from investments on the Internet and in general this money is not visible to anyone. I'll upset those who love freebies. According to the law, a person must pay taxes on any income. So there is no escape from this. Especially recently, the tax service has been very closely monitoring the movement of funds not only from companies and entrepreneurs, but also monitoring those who withdraw profits from their electronic wallets.

Where to invest money on the Internet to earn interest higher than bank interest?

Attention! The methods described below really allow you to earn more sometimes 1,000% per annum. However, in the long term 99% investors in these instruments either lost all their money or went into a deep minus (received a drawdown in the investment portfolio more than 70% ).

Be careful, take smart risks!

PAMM accounts

A popular highly profitable instrument. Its essence is as follows. A forex company collects money from several investors in a trader's trading account.

EXAMPLE

Let's say Vasya has 1000 dollars , at Petya's - $2,000 and Masha's - 3,000 “green” . Total for the guys $6,000 . And our investors deposited this money into the account of trader Misha.

Misha trades with investors' funds and shares the profits with them 50 to 50. It seems that the trader is directly interested in trading profitably.

BUT!

In fact, it often turns out that the broker (Forex company) is in cahoots with this trader, and all the money (investors) lost by him on the stock exchange actually goes into the broker’s pocket, and he already shares part of the lost funds with Misha.

Yes, there are really cool traders and honest brokers, but there are not many of them and it is difficult to find them in the public domain.

Nowadays there is almost no person who uses the Internet and has not heard about cryptocurrencies. We recently published an article about... People who believe in a new financial era prefer to invest real money in virtual coins in the hope that they will grow.

A very risky instrument, but you can really earn a lot

Some people speculate on cryptocurrency exchanges and earn money without leaving home. Others prefer to set up a mining farm and siphon virtual money from the Internet. I have a friend who trades crypto on the stock exchange. Sometimes he manages to earn money 5% each on capital daily, and sometimes the trader simply drains the account to almost zero.

If you are not afraid of fluctuations in the cryptocurrency rate, and you are going to wait until the virtual currency grows, then try investing in it. Now there are a lot of options on the market: from the well-known Bitcoin and Ethereum to local and “homemade” cryptocurrencies.

Stock market: stocks, bonds

This is a classic area of ​​investing that can be done on the Internet. In fact you can start with 1,000 rubles and practice buying and selling securities.

However, to truly earn money, you need significant funds: at least from $10,000 . Firstly, you need to know which stocks and bonds to buy, and secondly, take into account the risks. Here you can also lose some money if you misjudge the direction of the market.

Although leading millionaires and billionaires prefer to invest money here.

For example, Warren Buffett, the world's leading investor, has become one of the richest people on the planet by investing wisely in stocks.

To learn all the intricacies of investing in stocks without leaving home, I recommend that you go through course by Fedor Sidorov. My friends and I took this course and it really helped us take our first steps in this direction.

Forex currency market

Forex– a sensational get-rich-quick topic in recent years. In fact, it is a legal foreign exchange market designed for the exchange of large volumes of one currency for another, for example between countries or large companies of different countries.

But enterprising people realized that they could speculate on it, exchanging one currency for another and taking the difference for themselves. They are called stock traders. Forex is mainly for quick earnings and cannot be classified as an online investment tool.

Yes, here you can double your capital in a day, but you can also lose it to zero. If you have steel balls... that is, nerves, then you can try yourself in this topic of “investing on the Internet”. But before you start trading, practice on a demo account.

And here's more for you important information: Most forex brokers or so-called dealing centers are “kitchens”. They do not bring your transactions to the real foreign exchange market, and all trading takes place according to quotes (graphs) that are profitable for the broker. By losing money, you feed the brokerage company and nothing more.

Well, forewarned is forearmed, but the choice is yours anyway.

Binary options

These are exchange contracts. I won’t describe their essence here. The principle of making money on them is the same as on Forex. You trade virtual “securities” and if the price forecast is correct, you take profit.

If you don't guess the direction, you lose money. According to some investors and raiders, binary options are an even more aggressive instrument than currency. If you are feverishly planning to become a millionaire by trading this asset, be careful. You can lose everything here to zero.

Microloans

Legally registered in in the prescribed manner micro financial institutions can attract money from the population in the amount from 1,500,000 rubles. As you can see, the amount is not small. At the same time, you can count on profitability 20-30% per annum.

Your money will work due to the fact that it is issued to other people at more high percent: 50-100 per annum. But there is also a share of non-returns of issued funds; these risks are already included by the microloan organization in the interest on payments to investors.

This is a more reliable instrument with a fixed good return and a small amount of risk. An official contract will be concluded with you, where all the conditions will be specified.

BUT, REMEMBER!

Your “contribution” to a microfinance organization is not insured by the DIA ( A agency for WITH fucking IN treasures), as opposed to deposits in banks.

HYIPs

These are highly profitable projects on the Internet. They usually disguise themselves as investment companies that make money on Forex or cryptocurrencies. But in reality they are ordinary financial pyramids.

You can make money quickly or lose everything

If you follow the information field, you probably know about the high-profile collapse of the Cashbury pyramid. According to government estimates, citizens lost in it from 3 to 10 billion rubles .

They tell you that “we make money on new technologies, blockchain, cryptocurrencies.” At the same time they promise 100-200% , and sometimes 500-600% per annum.

People sell their last property, take out loans against 20-30% and invest money in these projects. As one would expect, at the stage of 6-20 months the HYIP is closed, and its management goes on vacation to the islands with girls and expensive cars at the expense of gullible investors.

Of course, there are also honest HYIP projects and they really invest money in securities, real estate, Internet sites and other understandable instruments. However, they promise no higher profitability 30-50% per annum.

Just think about why some fund would attract hundreds and thousands of private investors, paying them 200-300% for the use of money, if under 12-20% the same money can be taken from a bank or, at worst, from big tycoons for the same 30-50% per annum.

Be careful with HYIPs. You can indulge in them, but I wouldn’t invest significant amounts of money.

Unallocated metal accounts (OMS)

You can invest online in precious metals. To do this, you can tear off impersonal metal bills directly from your computer. Their essence is that your money is “tied” to the current exchange rate of gold, silver, platinum or palladium, and as the price of the metal rises, you make a profit.

However, the cost of metals may fall. In this case, your capital will decrease. But despite this, historically, prices for precious metals rise every 5-10 years and compulsory medical insurance can truly be considered as a type of long-term reliable investment.

Games with money withdrawal

There are many ways to invest in games with withdrawal on the Internet real money. But they do not appear in the system by themselves. In essence, this is the same financial pyramid, only here you need to take various actions to increase the level of payments.

Every day, games like “Bird Farms” appear, where the participant needs to deposit real funds and buy birds with them.

The more birds you have and the higher their rank, the more eggs they lay. You sell your eggs on a special farm and get points for them - money. These funds can be spent again on buying birds, or you can simply withdraw them to your e-wallet.

There are also games on the Internet about homeless people, taxis and other areas that imitate real life.

Below I have compared the following online investment methods in the table:

Investment instrument	pros	Peculiarities
PAMM accounts	High percentage of profitability: from 30 to 500% per annum. Ease of investment. Money can be withdrawn at any time. Fully online tool.	High risks of losing money if investing in unreliable companies. Often not official documents about accepting money and scammers take advantage of this.
	A popular trend in recent years. High capitalization of leading cryptocurrencies: Bitcoin and Ethereum. The opportunity to earn hundreds of percent per year when prices rise.	Due to strong exchange rate fluctuations, you can quickly go negative or unknowingly buy a little-known crypto, which in the future will be difficult to sell even below the purchase price (illiquid).
Stock market: stocks, bonds	A legal and transparent instrument with a relatively high yield: from 15 to 40% per annum. You can invest via the Internet, it is possible to create a diversified portfolio.	There are risks of losing part of the capital if the price of securities changes or the issuing company goes bankrupt. Professional knowledge is required to generate stable income over long periods.
Currency market Forex	Suitable for "risky guys." You can work starting from $100. Unlimited income with competent trading. You can increase your capital 100 times in a year.	High risks of losing all capital due to high leverage or unreliability of some Forex brokers. Not suitable for long-term investment due to strong currency fluctuations.
Binary options	Similar to the Forex market, there is an opportunity to earn a lot, a popular topic among young and passionate people. Comfortable trading terminals for smartphones.	A very risky instrument, suitable only for speculation over the Internet. Not considered by investors as an investment. Often brokers binary options- obviously scammers.
Microloans	Stable and relatively conservative instrument. Allows you to make a profit and repay the loan with a high degree of probability. Suitable for people with big money (millions of rubles).	Personal presence with a passport is often required to conclude an official contract. There are some risks of losing interest or all capital. You should choose only large and reliable companies. There is no insurance in the DIA.
HYIPs	Daily payments in most projects, high interest rates and a variety of directions allow you to regulate risks by allocating capital to different HYIPs.	Financial pyramids are often disguised as HYIPs and do not “live” for too long. They usually last from 6 months to 2-3 years. As soon as the influx of new investors dries up, the project is closed.
Unallocated metal accounts (OMS)	Legal investment instrument. It is offered by Sberbank and other large financial organizations. Your money is “tied” to the rate of the precious metal, which reduces the risk of losing it.	They do not bring high returns. More suitable as an alternative to a savings account. You won’t have real metal on your hands, but no one will be able to steal it.
Games with money withdrawal	A “cool” tool for investing online. You can earn money while having fun. Interesting stories and beautiful graphics attract many novice players.	This is rather not an investment tool, but rather a high-risk entertainment with elements of a financial pyramid. The key word here is “games”, and with the withdrawal of money or not, this is secondary.

To competently compile your investment portfolio and invest money in truly reliable instruments, I recommend going through course by Fedor Sidorov on investing. In this course you will learn how to select and evaluate stocks and bonds. You will be told about the nuances of investing in ETFs, cryptocurrency, how to recognize HYIPs and how to effectively manage your finances.

My friends and I successfully completed this training and it allowed us to properly manage our free funds and begin to increase them.

Each lesson is accompanied by homework and upon completion of training you will have a complete set step-by-step actions, certainly leading to financial results.

Watch Fedor's short video where he shares the 7 golden rules of a successful investor:

Diversification on the Internet - creating your online portfolio

There is a rule in investing - invest money in different instruments, so that if one goes bankrupt or stops bringing interest, others will compensate for it at that time and “pull” your capital into a plus.

In professional investor slang this term is called diversification, that is, division.

This point is also popularly called “don’t put all your eggs in one basket.” The implication is that if she flips over, they will all break.

Diversification looks like this:

Make a portfolio from your investments on the Internet, that is, a set of these same tools in different proportions.

EXAMPLE

You have 100,000 rubles for investment.

20,000 rubles you invested in impersonal metal accounts, 20,000 rubles– in HYIPs, on 50,000 rubles bought bonds, and with the remaining money - 10,000 rubles purchased shares of well-known Russian companies (Gazprom, Sberbank).

Thus, you have created an investment portfolio of various Internet assets. Because 50% If your portfolio contains conservative assets (bonds), then overall the risks in the portfolio will be moderate.

Yes, this means that you divided the investments in HYIPs at least by 3-5 different projects.

With such a portfolio, with relatively low risks for a given amount, you will be able to earn from 20% to 80% per annum. In the most pessimistic scenario, you are unlikely to lose more than 30-40% portfolio.

When your portfolio is created, use a convenient service for monitoring your investment portfolio - Intelinvest.

Add purchased stocks and bonds, monitor your portfolio, analyze profitability

It will help you keep records current assets and conveniently manage your portfolio via the Internet.

Investments in Internet projects with low risks - TOP 5 proven areas

Here I present real projects in which you can invest money on the Internet and have a constant income from them. All of them are more likely related to business, so in addition to money, you will have to invest your time, and possibly the work of other people, in most of them.

1. Your own YouTube channel

Nowadays, no matter what, everyone strives to create their own video blog. And this is the right decision. You will need money to buy equipment: camera, special lighting, microphone, chrome key (green background). But if you develop your YouTube channel correctly, after a few months you will become a recognizable figure in the Internet space and will be able to charge money for advertising on it.

The first item of income will be Google Adsense is an advertising network that allows you to broadcast advertiser videos that automatically pop up on top of your video. You have seen these commercials while watching YouTube videos. Yes, often such advertising is annoying, but you receive money from it passively, that is, you have no technical impact on its broadcast on the channel.

Further, if your channel has a significant target audience for advertisers of a certain profile, you will be paid money for placing direct advertising. This is how some popular YouTube bloggers earn hundreds of thousands and even millions of rubles. And they started filming their videos using a simple iPhone and a lapel microphone for a couple of thousand rubles.

2. Online store

You can invest money in your online store. You can order goods from China and sell them in your country through one page site or a full-fledged online store. Investments will be needed for the product and the development of the site itself.

Then, when the store grows, it can be sold as ready business. You can also buy a ready-made online store, which will require significantly more money, but here you won’t have to bother with its development, spend money on a programmer, and learn from your own experience how to promote and sell products.

Having launched one project, for example, in the niche of children's products, no one is stopping you from scaling up and investing money in purchasing the next project in another niche.

3. Internet service or application

This has been a popular trend in recent years. Here you are not acting as a developer, but giving money to smart guys who will “develop” such a service and share part of the profits with you. For example, a well-known businessman in the IT field, Pavel Durov, attracted a co 2 billion ! dollars through ICO - the release of cryptocurrency for the Telegram messenger.

The risks here are very high, and you should know personally the people you trust with money. For greater reliability, Russia and the CIS countries have adopted the rule of project co-financing. That is, an entrepreneur must invest a significant amount of money into the project and show the result of his work before going to investors.

Investments in such projects are similar to the principle of “sink or perish.” That is, if the project “shoots”, you multiply your money by 100-1,000 times and become a millionaire, and if you go bankrupt, you simply lose them. This is why proper diversification is needed. It is just as relevant in online investments as it is offline.

4. Share in someone else's online business

Buying shares is another way to invest money online. Now we won’t discuss for a long time how to formalize this correctly legally, the main thing is to understand the principle.

Yes, there are a lot of nuances here, but the general idea is this. By the way, when you sell the project, you will also receive one tenth of the money received for it as a shareholder.

And this principle works in any business: both online and offline. On stock market exactly the same when buying a share large enterprise, you become its co-owner, even if only by 1 millionth part. But every quarter or once a year, according to your promotion, you will receive interest from the profits of the entire company.

When you sell it, you will also receive the value of your share. You can either lose money or earn money on this trade. It all depends on the market price of the company at the moment - its capitalization.

5. Your own website or blog: the founders of the “PAPA HELPED” project share their personal experience

You can also buy a profitable information project (blog) and receive income from it.

For example, the popular exchange for buying and selling websites and domains “Telderi” allows you to buy and sell your projects.

In 2012, my partner and I created the popular business website HeatherBober.ru, over time it reached traffic 30,000 people per day and brought it to the peak more than a million rubles per month.

You can create such a project yourself if you have a lot of time and the necessary knowledge. When we started, we invested everything in the project 1,500 rubles per year for domain and hosting.

But if you do not have the knowledge to create profitable websites, you can buy it on the above exchange. Starting with 100,000 rubles and having received your first experience with the site, you will be able to gradually increase the pool of your Internet assets.

There are guys who have dozens and even hundreds of information sites with good income, and the profit of such webmasters is measured millions of rubles per month.

You can invest in websites either independently or by finding co-investors. Then you don’t have to run the site yourself, but give it to someone experienced in this matter to manage it for a monthly percentage of the profit.

How to avoid falling for scammers

Investments on the Internet involve the risk of losing them due to dishonest people.

Have you encountered any of these?

Here are a number of rules on how not to lose your money and not run into scammers:

1. Beware of projects with unreasonable excess profitability and daily payment percent. Fraudsters usually offer you 1% profit per day with the possibility of daily withdrawal. IN 100% In some cases, these are financial pyramids.
2. Check the availability of company coordinates. Carefully study the “Contacts” section on the project website. As a rule, scammers indicate a fictitious address on the site. Whether this company is actually located at the specified legal address can be checked through the 2Gis service. You will never find the number listed on the website in the landline phone directory.
3. Demand that the transaction be completed legally. Do not invest in Internet projects where your transfers are made without a formal contract and any guarantees.
4. Don't be fooled by unrealistic promises. Scammers on home page their website clearly indicate a risk-free strategy for investing your funds.
5. Beware investment projects with a low entry barrier. Not a single one is serious investment company will not take control of 100, 200 or even 500 $. Since the operating costs of maintaining a client will exceed the real income from such investments.

FAQ

These are the questions that concern people the most in my experience.

Question 1. I want to take the first steps to “get my teeth in.” Are there investments on the Internet starting from 100 rubles or are larger amounts needed? Rakim, 23 years old, Tula

Rakim, yes, investments can be made from 100 rubles, to be more precise, then with 1,000 rubles you can already build a micro-portfolio. You can invest money in all of the instruments described above. This amount, of course, will not bring you a solid profit for the year, but it will give you an understanding of the first steps in investing. You will understand in practice what an investment portfolio is and why diversification is needed.

And the most important thing is that you “feel” each direction in real life in order to form your own unbiased opinion about it.

Question 2. A friend offers to become an investor in his Internet service; he needs 500,000 rubles. The service concerns career guidance for people, mainly young people and schoolchildren; it already has successful experience in this matter. Promises 30-50% per annum on invested funds, is it worth investing? Dmitry, 31 years old, Moscow

Dmitry, you can try, but always remember that the risks lie with you. Ask your friend if he is ready to become a co-investor in his own project? If yes, then his interest will be clearly higher than just taking money from someone.

In the most pessimistic scenario, the application “will not work” and you will lose some of the money or even the entire amount, but will gain invaluable experience. The main thing is not to invest borrowed (credit) funds in such a project and do not risk the last money necessary for life. Good luck!

Question 3. By nature I am a conservative, I don’t like to take a lot of risks. Are there investments on the Internet with low risks, albeit low returns? Ivan, 33 years old, Krasnodar

Ivan, yes, there are such investments. To begin with, buy federal loan bonds, the interest rate there will be slightly higher than the bank interest rate, but this is no longer just a deposit in a bank, but a real investment instrument. Having dealt with bonds, you can gradually switch to liquid shares of Russian companies (blue chips).

For greater reliability, it is still worth placing part of the funds on a bank deposit in 3 currencies and diluting them. All this can be diluted by investing in impersonal metal accounts.

For a beginner, such a portfolio will be quite conservative and you will see in practice how this or that instrument works.

Question 4. What qualities should a novice investor have in order to succeed and not lose money? Denis, 24 years old, Smolensk

Denis, firstly, a novice investor must have common sense, that is, critically evaluate his actions and the financial instrument in which he invests money.

Secondly, he must have the basics of financial literacy and understand the principles of money management, and know the features of a particular asset.

Thirdly, correctly assess the risk/return ratio.

And fourthly, be emotionally neutral, see numbers and think with them when taking actions with your finances.

Question 5. If the HYIP in which I invested money is closed, is it possible to somehow return it according to the law? Igor, 28 years old, Kirov

Igor, unfortunately the chances are almost zero. However, on the Internet I once saw a service provided by lawyers for the return of money from financial pyramids, dishonest Forex firms, and so on.

You can contact a lawyer for advice and he will tell you what to do in your situation. This can be done online through the proven legal assistance service “Pravoved”. Here you will receive a response in about an hour.

Question 6. If you want to try something exotic, tell me what new types or tools of Internet investment have appeared today? Irina, 32 years old, Novosibirsk

Irina, in my opinion, exotic types of financial instruments for you will be those that you have not yet used. But keep in mind, all “exotic” tools are often unreliable. Therefore, it is better not to invest in them important to you amounts. If you decide to invest in such assets, then first invest a little to play around and “test the waters.”

But here too, do not forget about diversification.

Instead of a conclusion

The Internet is a great environment for investment. However, here, like everywhere else, there are risks. Before parting with an impressive amount, think 100 times, is it worth it?

And if you do decide to invest, thoroughly study the project or person you are going to collaborate with.

Do not invest money in dubious projects if they promise you mountains of gold and profitability 100-200% . It’s better to “strangle the toad in yourself” and look for more reliable tools, even with several times less profitability.

In general, in my subjective opinion, if you dream of becoming a rentier - a person living on interest from capital, you need according to the most conservative estimates at least several tens of millions of rubles. This way you will have a stable output in the area 10-25% per annum with minimal risks.

I think that professional investors will agree with my idea.

As a result, watch the video again, which talks about most of the methods described in the article:

Most people are looking on the Internet not for investment tools, but for a way to get rich quickly. Moreover, without having the money and proper qualifications for this. In one of the previous articles on “PAPE” it was already talked about. Check it out if you're interested.

That's all I have for today.

The main thing in investing is to control yourself and understand the basic principles of financial literacy. Then your investments will bring profit, not disappointment.

Good luck and material well-being to you!

PS. Dear friend, have you ever invested your money online? Share your experience. Ask your questions on the topic in the comments. My colleagues and I will be happy to answer them.

Alexander Berezhnov.

Last update: December 27, 2019

Good afternoon, dear readers of the financial magazine “site”! Recently, investing on the Internet has become increasingly popular. Today’s publication will be about them.

Readers of our article will find a lot of interesting things in it, namely:

• What are the features of investing using the Internet?
• What are the advantages of online investing, and what problems may novice investors face?
• What are the most popular ways to invest online?

We also tried to answer questions that most often arise from those who are interested in investing on the Internet.

This publication will be especially interesting for those who want to make money using modern methods investing using the Internet. Read about all this and much more right now!

About investing on the Internet: where to start investing and where you can invest money online, we will tell you in this issue

Many Not suspect that the Internet is not just an information space. Energetic and enterprising people, who also know how to think analytically, not only communicate and have fun on the Internet. The network provides such people with enormous opportunities to realize their potential. As a result, some people end up with quite serious money.

Do you want to earn money without leaving home, with only a computer and Internet access? Then promising financial instruments that allow you to invest online are just for you.

Any reasonable person wants to gain financial independence and work for himself. Ideally, income should be passive , that is, after a certain time, a person spends a minimum of time on work, while receiving maximum profit. This can be achieved if you make smart investments.

Using online investments, you can get:

• stable income that does not require labor investment;
• confidence in the future;
• free time that you can spend as you wish.

Any adult should understand that the main wealth is time. If all of it is spent on earning a living, then years are wasted. There is no opportunity to communicate with loved ones, engage in creativity, travel, or engage in self-development.

This vicious circle can be broken if income does not depend on the time spent on work. Those who did not receive a huge inheritance from their ancestors can be advised to use investments. After all, they are an example of an affordable and very effective option. passive income.

However, it should be understood that it is not enough to invest in the first project that catches your eye. An important condition without which it will not be possible to achieve success is smart approach to investment .

In addition, you should not think that you will be able to get a lot of money without making any effort. In order for passive income to start bringing in money in the future, you need to make every effort in the present.

Every step in investment must be carefully considered and it is important to invest safely and after careful analysis.

We should not forget that any investment involves certain risks. And you need to be mentally prepared for this.

2. Advantages and disadvantages of investing online 📊

Investments using the Internet, like any financial mechanism, have their own advantages And flaws . Without knowledge of these features, it is impossible to competently manage invested capital.

Benefits online investment are:

• high profitability;
• opportunity ;
• free work and rest schedule;
• no need to have a big one sum of money to start making a profit;
• ease of control;
• the ability to withdraw funds at any time in the required amount.

Despite the significant advantages, investing via the Internet also has a significant disadvantage. It can be described as risk of loss of funds . In principle, such risks are inherent in all investment products, but they are especially relevant for online investments.

There are several components of this risk:

• ineffective conduct of activities by the investment company;
• investor mistakes;
• bankruptcy of various companies;
• hacker attacks;
• unseen circumstances.

The first point relates to trading risk . An investor can influence it. It is enough to competently and carefully analyze investment instruments and companies before investing in them.

The remaining points relate to non-trading risk . Even experienced and very competent investors cannot influence it. But don't be afraid. The situations described do not occur very often. The likelihood that an investor will be exposed to non-trading risk with online investments is no greater than with other investments.

Thus, they highlight whole line benefits Internet investing. They are quite simple and intuitive.

Flaw such investments have only one - risks. It is important to know about them in order to take all possible measures to prevent them.

To make it easier to understand the risks, let’s summarize them in a table:

3. How and where to start investing on the Internet - 5 main conditions 💰

The main goal of beginners in the field of investing is Financial independence . Everyone wants to achieve it with the least financial and psychological problems. However, making a profit from investments is impossible without prior preparation.

At the same time, not only are we needed cash to start investing, but also a certain baggage of skills And knowledge. Read about where you can get money for investment.

It is also necessary to remember that there is a huge amount of scammers , who deceive money from gullible investors. It is important to be able to identify them and beware.

A huge number of investment options can drive beginners into a dead end. Moreover, some of them require serious financial knowledge, which means they are not at all suitable for beginners.

All these factors lead to the fact that a number of conditions are imposed on newcomers to the online investment market.

Basic requirements for beginners when investing online

Condition 1. Having at least minimal knowledge in the field of finance and economics

No one will dive deep unless they know how to swim. But a lot of beginners try to invest without understanding economics at all. As a result, instead of tangible profits, huge losses are obtained. That is why you should not invest even in seemingly very successful project, without having knowledge of the basic fundamentals of successful investing.

At the same time not necessary have a higher economic or financial education. It is quite possible to study the principles and mechanisms of profitable investing yourself. This won't take too much time.

It is best to start with the forums and blogs available on the Internet on relevant topics. After this, you can start studying specialized publications.

Don’t be afraid, a huge number of books have been written completely understandable And accessible language . And they are no less useful than most abstruse literature.

With a great desire and due diligence, it is enough to spend about two weeks.

A good example of useful literature is the book "Rich Dad's Guide to Investing", written by Robert Kiyosaki.

WITH a brief overview You can familiarize yourself with the (contents) of the book by watching the video:

Condition 2. High-quality Internet access

An important condition for successful investment is stable and high-speed Internet. Often this factor has a significant impact on the success and profitability of investments.

It is not only the presence of a stable connection that is important. All payment systems and wallets used when working with money must be financially secure. This will help protect your funds.

Condition 3. Resistance to stress

To be successful, an investor must be able to tolerate high levels of stress. It is equally important to have the right psychological attitude.

Any normal person will worry if he has to lose his money. It is important that these experiences do not become an obsessive fear, otherwise they will prevent you from soberly assessing the situation and making an informed decision.

You should be prepared for the fact that it is impossible to make a quick profit from investments. It is important to be prepared for the fact that you will have to wait quite a long time for results (especially at the beginning of your investor journey).

The first successes may not appear until a few months later. Moreover, The rule of thumb in investing is: the longer the investment period, the higher its profitability.

Condition 4. It is important to be objective

An investor must be able to soberly assess the opportunities available to him. No one has yet managed to earn more than the chosen investment instrument allows.

Investments should be made gradually. Before doing this, it is important to set specific goals for yourself, as well as determine the time frame for achieving them.

Condition 5. The investor must be prepared for financial losses

Any investment involves the risk of losing part of the invested funds. For beginners, the level of risk is much higher, because they have no experience effective management risk.

Investors should understand that it is not possible that absolutely all transactions will be profitable. Some of them will be unprofitable in any case.

No one can get rid of losses, not even professionals. It is important to be able to treat losses calmly, not make spontaneous decisions and conduct a thorough analysis of the situation.

If all the above conditions are met at the same time, the likelihood of making a profit from the investment increases significantly.

At first glance, it seems impossible to fulfill them. However, with experience, the attitude towards them changes and the above rules seem to be self-evident.

Proven ways to invest money online

4. Investing on the Internet - TOP-15 ways to invest money online 📝

Those who have even a small amount of free cash tend to save it. But this is not enough. I would also like to increase them. We already talked about this in the last issue.

There are various investment options available today. Among them, investments via the Internet are becoming increasingly popular. They are extremely diverse.

Method 1. Forex

One of the most popular ways of online investing is investing in Forex. The trader deposits funds into a trading account and makes a profit by conducting transactions on the foreign exchange market. Income is generated by changing exchange rates of currency pairs. You can start by reading our article.

On the one hand, investments in currency operations Forex is akin to investment. However, on the other hand, it is weakly similar to passive income.

To make money, you will need a certain amount of knowledge, as well as time spent on conducting transactions and analyzing the market situation.

At the same time, income can be obtained much faster than with other investment methods (in a good situation, even up to 1 month).

When trading binary options, an investor can pay attention to any, even minor, market changes. In any case, you can get tangible income. This is another thing advantage of binary options, since when investing in other instruments, you can earn a good profit only on significant fluctuations.

Binary options trading is easy to understand. It doesn't matter how many points the price changes. If it goes in the direction desired by the investor, even with a difference in 1 point the investor will receive a predetermined amount of profit.

A binary option is based on an asset. It can be Not only currencies, but also securities, precious metals, indices And so on. Thanks to this diversity, the investor has the opportunity to more actively pursue a policy of risk diversification. Moreover, the liquidity of binary options is at a fairly high level.

Without a doubt, success when investing in binary options requires significant effort and mastering a fairly large layer of information.

The use of such a financial instrument attracts investors because on the binary options market you can actively develop, apply and test your own trading strategies. Moreover, even small market fluctuations can bring significant income.

Method 4. Shares (stock market)

Another investment method that undoubtedly deserves attention is investing in shares. However, there is no way to eliminate certain risks here. We wrote about trading on the stock market (securities market) in a separate article “”.

Previously, online investing in stocks was associated with simple and large earnings. However, now, after financial crisis, stocks even largest companies which are called blue chips , have lost their positions. Moreover, in today's situation, it is becoming increasingly difficult to correctly predict their behavior.

Investors should understand that investing in stocks only brings tangible returns in the long term .

You can earn money in two ways:

1. On the Internet, investors most often engage in speculation in stocks (they buy cheaper and sell more expensive). But such operations are associated with increased risk due to instability of quotes and the possibility of a fall in the exchange rate. Helps reduce risk choosing the right stocks for investment.
2. Income from shares can also be obtained in the form of dividends . They are paid to shareholders every year. Before receiving income in this way, it is important to find out which shares pay dividends and in what amount.

To trade stocks online, you must obtain a digital signature. You can trade through a special interface on a specific website or in a program provided by the broker.

Depositing funds to the site is possible in cash and non-cash form. Electronic wallets (for example, WebMoney) are used much less frequently. You can most often withdraw funds only to a bank account.

The investor should not forget that taxes must be paid on the income received from trading shares. Individuals transfer to the budget 13 % of profit.

Online investing in stocks has both advantages and disadvantages:

• Plus speculative transactions with these securities is high level arrived.
• Cons somewhat more. This is the need to pay tax as well extreme market instability.

In addition, unlike most other ways to make money online, when trading stocks, it is almost impossible to withdraw profits to electronic wallets.

Method 5. Investment in gold

Gold is very interesting investment instrument. For many years now, its value has been continuously increasing in the long term. This is why gold can be used when need to save And increase a fairly large sum of money. But this metal is not suitable for quick receipt income. The fact is that today gold is already quite expensive, and the growth of its value has begun to slow down.

You can invest in gold via the Internet using WebMoney. Already since 2007 in this system electronic money There is a gold selling function. This function is implemented through the opening of a WebMoneyGold wallet, in which funds are stored in gold 995 samples.

The account currency is measured in wmg, the unit of this value is equal to 1 gram of gold. The guarantor of the transaction is the company WMMetalsFZE, which is located in the UAE. Its website contains all the information necessary to work with gold accounts.

There are several ways to buy gold in the form of wmg:

• using online exchangers;
• through the automatic exchanger wm.exchanger.ru;
• by transferring money to your account.

The investor is given the opportunity, if desired, to exchange wmg for gold bullion. However, for this you will have to come to the WMMetalsFZE office.

But it is worth considering that purchasing bullion is less profitable than buying electronic gold, since bullion is taxed tax. Naturally, additional payments increase investment costs.

Thus, the benefit of online investing in gold is price stability. However, one cannot count on significant profits in today’s situation, because the value of the asset has almost reached its maximum today.

Method 6. Precious metals in the form of compulsory medical insurance

Various precious metals (eg gold, platinum and silver) If desired, you can buy virtually. This can be done by using impersonal metal accounts (OMS) .

Compulsory medical insurance is an excellent way to invest as this instrument is tax-free. In addition, compulsory health insurance guarantees a stable, reliable income. This is due to the continuous growth of precious metals over the long term.

Investing in unallocated metal accounts is carried out according to the following scheme:

1. Opening a metal account in a bank;
2. Depositing metal into the account in terms of monetary units.

Traditionally, compulsory medical insurance opens for 12 months . Subsequently, at the request of the client, such an account can be extended.

The profitability of impersonal metal accounts is determined by changes in the cost of metals on markets within the country and around the world. Taking into account the fact that the price of precious metals decreases very rarely, investing in compulsory medical insurance for a long period of time practically guarantees an increase in the amount in the account.

1. "Ultima" has been operating on the Russian market since 1996. This company offers investors a large number of investment instruments to choose from. Among them there are investing in gold. Ultima's features include investment insurance. Investors are offered support with all the necessary information and analytics. Ultima guarantees that all operations carried out are completely transparent; if desired, the investor can receive a report on the status of his investments at any time.
2. "SotsAgroFinance"– a company that deals not only with financial transactions. But also production. She specializes in investing in precious metals, and gold mining industry. Investors are offered deposits with a fixed return. The company attracts funds to the real production sector. Despite the fact that the project is still very young, experts consider the company to be a promising participant in the financial market.

Method 7. Websites

One of the most popular ways to invest money online is investments in internet projects(websites, online services) with subsequent monetization. For this it is necessary Create new(See) or purchase an existing website . It is important to evaluate the benefits of investing in such a resource, promote and monetize it.

The level and regularity of profits received are largely determined by how much effort (and money) is invested in its development. If you don’t take care of your website, it will very quickly stop attracting an audience, and your profits will dry up.

The downside to using websites as an investment tool is the need to invest not only money in it, but also some effort. That is, this tool is more akin to work than passive investing.

Method 8. Startups

Those who are interested in investing in startups should remember that no one can guarantee that the project will bring profit. Moreover, Experts consider the following indicators normal: 20 % of invested projects bring profit, 60 % - pays off the remaining investment 20 % fail completely.

By the way, in one of the previous articles we talked about it in simple words.

The volume of investment in startups is unlimited. You can deposit several thousand rubles or millions of dollars. It is important to remember that the amount of investment should be determined in accordance with an objective assessment of both the project itself and its team.

It is best to invest in those projects that are already developing and beginning to bring certain results. In this regard, startup projects that have just appeared or are even at the planning stage are less preferable.

It is important to remember that investing money in new projects is quite risky. However, if successful, such an investment can bring much greater profits. At the same time, the huge amount of resources on the Internet has led to the fact that in order to achieve success, a project must be inimitable and unique.

When searching for a promising startup, experts recommend paying attention to those resources whose topics correspond to an area in which the investor is quite well versed.

When the project is selected, you should discuss the terms of cooperation and investment with its owner. It is at this time that two important investment points are determined:

1. In what form will the investment be made? This could be cash, a domain, or other investments.
2. How will the investor receive income?, for example, in the form of a return of invested funds with interest, or the investor will take a certain share in the startup.

It turns out that investing in startups has significant disadvantages. This is a high level of risk as well as a significant investment. At the same time, the success of the project will allow you to make huge profits.

Method 9. Online stores

IN modern world The Internet provides the opportunity to actively trade almost anything. At the same time, you can quite successfully promote not only various goods and services, but also websites, as well as various intellectual products and information.

However, the development of online platforms requires investment of funds, which can sometimes be quite significant. However, their owners do not always have such funds.

As a result, in order to implement the project and start receiving income from it, its owners are looking for investors. For investing their money in the project, the owners pay investors quite high interest rates.

Method 10. Investing in domains

There are a huge number of sites on the Internet. Therefore, many beautiful domain names have been taken for a long time. That's why it appeared the new kind generating income - buying and selling domains.

The profit from such investments can be quite significant. Those who bought website addresses at the beginning of the 2000s for about 500 rubles, they can sell them today more than 20,000. It turns out that the profit from such a transaction is about 250% per year.

If you manage to purchase a two-letter domain, you can sell it for about 10 000 dollars. Meaningful website names even cost several tens of thousands of dollars. Stories are known and transactions for exorbitant sums are known - near million dollars.

Register a beautiful website name today almost unreal, because most of them have been occupied for a long time. You can make a significant profit if your domains are associated with popular events. But you will have to react incredibly quickly.

It turns out that online investing in domains can be done exclusively on the secondary market. In other words, you can buy domains at online auctions or from their direct owners. True, after this you will have to be able to sell them at a higher price.

It is almost impossible for a non-specialist to invest in domains. This requires not only spending a huge amount of time, but also making every effort. It is important be able to assess the prospects of the acquired domain. If you do not do this correctly, situations are possible when investments not only will not bring income, but will not pay for themselves at all.

Therefore, investing money in domains is most often done professionals. If an ordinary investor decides to use this tool to make money, he should take into account the following rules:

1. You should not invest in domains from exotic countries. They are quite expensive, but the prospect of their prices increasing is rather doubtful. Experts are considering the possibility of increasing their prices after the good addresses in the zone run out com. But no one can guarantee that a new English-speaking zone will not appear. That is, purchasing such domains involves significant risk.
2. When purchasing, it is best to choose names that carry meaning. English words are popular, as well as high-quality transliteration of Russian words, especially if they relate to commercial topics. Two- and three-character combinations, as well as beautiful combinations of letters and numbers, are also valuable.

Based on these criteria, the investor must be prepared for significant financial expenses, which usually start from five thousand dollars. More affordable options are often offered on domain forums.

Thus, investing through the acquisition of domains is characterized by significant profits over a long period of time (more 5 years). The downside of such investments is that the best site names have long been purchased, while investing in the secondary market is associated with significant risk.

Method 11. Online debt service WebMoney Debt

You can choose another interesting instrument for investing - debt service , which offers an electronic wallet system WebMoney.

There are several advantages of this option:

• high interest rates (often reach 25 -100 % per annum);
• there is no need to spend a lot of time.

All this makes such investments an excellent option for passive income.

How it works

The borrower opens a line of credit, the size of which can reach 10 000 wmz. He also receives trust limit , which allows you to characterize how wealthy and reliable he is.

The borrower can choose the appropriate loan terms: amount, period and interest rate. In this case, the settings are made through the service WMTransfer.

Loans can be issued both to those whom the investor knows and to complete strangers. To minimize the risk of issuing a loan, you need to carefully study the data of the borrowers to whom the investor plans to issue a loan.

Particular attention should be paid to the size TL. This indicator determines degree of trust to the borrower from other users of the service. Especially large borrowers have a limit that exceeds 50 000 points. But lower values ​​can also be quite good indicators.

Debt service has another way of protecting creditors. If the borrower for some reason does not repay the loan, its payment will be made at the expense of the funds of other creditors who have opened a trust limit for this borrower. That is, the insolvent borrower will be opened new loan, with which the old one will be closed.

Also for loans in the WebMoney system important indicator is the so-called business level (B.L.). It allows you to determine for what purposes borrowed funds are used.

An investor who decides to invest money in loans through this service needs to take into account several points:

• As soon as the borrower is selected, the conditions for issuing a loan are set through the WMTransfer service. It is on the basis of these conditions that the investor will be able to claim his funds.
• Next, the money is transferred to the borrower’s account. For this, the electronic wallet system charges a commission - 0,8 % from the sum. When repaying the loan, the commission will be paid by the borrower.

However, there is also a disadvantage to this type of investment. It lies in the fact that after the borrower has been determined with a trust limit, he may not use it immediately or may not take out a loan at all. There are many reasons for this, For example, at this moment the borrower does not need money or he has other trust limits (quite possibly on more favorable terms).

Method 12. Issuing money to an online lending service

With this method of investing, the investor can no longer determine the terms of the loan himself. He selects loan services with parameters that he considers optimal. After this, the investor lends his money to the resource. Most often, the loan term is from 1 to 6 months, and the interest rate is about 25 %.

It turns out that in this option the borrower is some service online loans . May also borrow funds and resources for currency exchange in the Internet.

To search for this type of borrower, an investor can use search engines or statistical data provided by the WebMoney electronic money service.

Thus, issuing loans to various services represents good way passive income. However, do not forget that he has a high level of risk. This is due to the fact that there is a possibility of non-repayment of the loan.

Method 13. Budget machines

Another interesting way to invest online is budget machines (BA). It is provided by WebMoney through the portal shareholder.ru.

Budget machines use electronic currency unit wmz. There are BAs closed And public. For investment apply public . They look like joint stock companies selling their shares in the public domain.

By going to the above-mentioned portal, an investor can see which shares of budget machines are put up for sale and at what cost. Most often they offer their shares Services online lending , as well as various exchangers .

By analogy with shares, an investor who purchases a share receives the right to vote on decisions regarding the management of the budget machine. The BA that has placed the shares undertakes to buy them back at a price that is below the market price. In addition, the investor who purchased the shares is entitled to dividends , which make up 25 -40 % and may be paid several times during the calendar year.

In general, participation in budget slot machines is a fairly profitable online investment tool. The risks include the possibility of a fall in the market value of the share, as well as fluctuations in exchange rates.

Method 14. Private online lending

You can invest money online through private lending . This can be done either directly or by using the loan exchange offered by the WebMoney electronic money service.

The operating principle is quite simple. Borrowers place loan applications on the exchange. Investors, studying their list, select those borrowers who are most suitable for them. It should be borne in mind that the best applications are processed very quickly. Therefore, investing your money in a short time can be quite difficult.

When searching for a borrower, an investor should pay attention to a number of important parameters:

• BL of the potential borrower (must be not less 200 );
• the presence of a so-called personal certificate, which means that the borrower has confirmed his personal data in the system;
• does the user have positive story borrowing.

This approach helps the investor to significantly reduce the risk of non-repayment of funds. Moreover, lenders who have quite a lot of experience develop their own ways to check the borrower. They also create blacklists, which include users who are considered unscrupulous. This allows investors to significantly reduce the possibility of fraud.

All of the above applies to lending using the WebMoney service. If the investor decides to issue a loan directly, he can use a variety of professional resources to find a borrower - communities And forums . The advantage of this option is that the investor can communicate with the potential borrower directly, after which he forms his own opinion about him as a person.

Regardless of how the borrower is searched, there is a certain risk that the loan funds will not be returned. The so-called risk diversification.

In other words, the investor can distribute the funds that he plans to invest, between several borrowers. It turns out that even if one of the borrowers does not repay the loan, the investor’s losses will be covered by the income that he will receive from other loans issued.

Experts do not recommend this method of investing for beginners. This is explained quite simply– lending to a small number of borrowers is accompanied by a high level of risk, and the income is significantly lower than desired.

To really get big profits from online lending, you need to spend a lot of time working with them and minimizing risk.

Method 15. Hype

There are other interesting investment projects on the Internet - these are HYIPs . This concept was formed as an abbreviation from the English phrase H igh Y field I investment P rogram. Translated into Russian this means investment program that brings high income .

HYIP is a project that promises investors a high level of income. As with any other investment product, high returns for hype come with significant risks.

Some people believe that hype represents usual fraudulent scheme. However, many investors manage to earn significant profits from them. To do this, it is enough to select a project in which the circulation of funds will be as transparent as possible.

It's important to understand that any hype has a limited lifespan. Especially honest companies openly tell investors about this.

To make good money on hype, you should follow a few simple rules:

• funds should be invested as early as possible from the moment the project appears;
• investments must be divided between several HYIPs (at least three);
• It is best to withdraw profits in parts;
• Before investing in a project, you should carefully familiarize yourself with the principles of the project.

Compliance with all these rules will help you get good money from investing in HYIPs.

Thus, you can find a large number of investment tools on the Internet. They all have How advantages, so flaws . To make good money, it is important to choose the right instrument.

The choice of investment object also depends on how much money the investor has. In one of our publications we talked about (half a million), a million or more to earn.

To make it easier to choose an investment instrument, we summarize their main features in the table.

No.	Investment instrument	pros	Minuses
1	Forex	High potential income	Requires a lot of time and effort to trade
2	PAMM accounts	Money is transferred to the management of a professional trader	The risk of choosing the wrong trader
3	Binary options	Easy to understand Possible gains and losses are predetermined	Knowledge required to correctly predict the situation
4	Stock	High profit	Market instability The need to pay tax on profits
5	Investments in gold	Precious metal price stability	The price of gold has almost reached its maximum
6	Precious metals in the form of compulsory medical insurance	In the long run, making a profit is inevitable	Low profitability
7	Web sites	With due diligence you can get quite a large income	You will have to work continuously, otherwise the site’s profitability will disappear
8	Startups	If you are successful, the profit will be huge	High level of risk Significant amount of investment
9	Online store	High profitability	It is difficult to find a promising project
10	Domain Investments	Significant profit	It is almost impossible to buy a domain on primary market High risk
11	Debt service WebMoney	High profitability	The borrower can use line of credit not immediately Risk of non-refund
12	Issuing money through services	High-quality passive income	High risk
13	Budget machines	High profitability	Risk of falling share values ​​and falling exchange rates
14	Private online lending	High profitability	Requires a large amount of investment High risk
15	Hype	High profitability	Huge level of risk Similar to a financial pyramid

5. TOP 7 golden rules of online investing 💎

Many people perceive online investing as a great way to make significant profits. It is quite natural that a large number of beginners decide to start investing. However, many of them make the same common mistakes.

However, most problems could be avoided if you follow a number of investment rules, which experts call gold. As soon as beginners learn, understand these rules and begin to actively use them in their activities, the profit from investments increases significantly, while the risks are reduced.

So, what rules should you remember and follow?

Basic rules for online investing

Rule 1. Do not invest funds that do not belong to you

You should never invest money that you borrow. If there is any mistake in choosing an instrument, you will not only lose money, but you will also have to pay back the funds to the lender. Therefore, for those who do not have money, it is best wait and collect the amount necessary for investment.

Rule 2. Don’t invest your last money

You can't invest all the money you have available. It is important to remember that investments always involve significant risks of losing funds. Therefore, the investor should always have a certain financial reserve, the so-called airbag .

Then, even in the event of an unsuccessful investment, he will not be left without a livelihood and will not lead his family to a situation where it will not be possible to pay even mandatory payments and there will not be enough money even for the most necessary things.

Rule 3. Develop an investment plan

An investor is unlikely to succeed if Not develop an investment strategy. Moreover, the absence of a pre-developed strategy leads to the fact that the investment cannot be called a full-fledged investment.

It is important not only to carefully consider your action plan. It is advisable to write it down, and then try not to deviate from it. Any changes to the strategy should be made only after a thorough analysis of previous investment results.

You cannot change the plan at the time of investment based only on emotions and momentary desires.

Rule 4: Continuously increase the amount invested

All investment instruments involve investing money with the aim of making a profit. Naturally, the level of income depends on invested amount. Therefore, you can increase your income only regularly increasing invested capital.

You can increase your invested capital by saving money from your main source of income. There is another option - not withdrawing the earned profit in full. Part of it can be used to increase the invested amount.

Investors are constantly debating how much to increase their capital each month. Like all other parameters, the amount of increase should be set purely individually. Somebody believes that in order to quickly achieve financial independence, one should invest all available funds. To others It’s difficult to save even a small amount.

Greetings! This year cannot be called boring and predictable: neither for Russia nor for global financial markets. Indices in both Russia and the United States grew beautifully; 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 instruments by goals: not to lose, to make money on the growth of an asset and/or and to receive income in foreign currency.

Here I included tools with almost 100% reliability. “Almost” - because . All three assets only partially compensate for losses from inflation!

Bank deposits

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

If you need to try to save your capital primarily from yourself, your loved one, then it is better to open time deposits, without the right to replenish and withdraw (for example, the “Save” product from Sberbank). Such deposits always offer the maximum interest rate. And they are prohibited from withdrawing part of the deposit until it is closed.

The main thing is not to forget about the “limiter” in the form of 1.4 million rubles in one bank. This is exactly how much (and not a penny more) the Deposit Insurance Agency will return in the event of bank bankruptcy.

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 bankruptcy of the state are much lower than the risks of bankruptcy of any one bank, even a large one. Plus, bond yields are almost always higher than bank deposits.

By the way, are you aware that with the money that you leave as a deposit, the bank almost immediately buys bonds and thereby earns the difference in interest without risking anything?

Federal loan bonds are considered the most reliable. Their repayment is guaranteed by the government Russian Federation. But it is better to form a bond portfolio from. Fortunately, the symbolic cost of the bond (only 1000 rubles) allows this.

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

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

But I think the most interesting option in 2019 is . The face value of such bonds is constantly indexed to the inflation rate (calculated using 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 further increase, the Central Bank will continue to lower the key rate, and oil prices will rise. Against this background, many Russian “giants” have good growth potential.

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

Some are betting on the rise of electricity companies that have floundered in the past year. The shares of Rosseti and IDGC of the South are of particular interest.

The main idea and advice is to pay attention to companies with growth prospects and.

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

Own business

Owning your own 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 to a year. Or not get it at all...

To avoid risking large amounts of money, start with an online project. 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 receive passive income

Real estate

Real estate generates passive income only when “square meters” are rented out. But you shouldn’t count on millions in profits from renting out ordinary residential premises.

I provide data for 2016 from the SRG analytical center. 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 a payback period of 17 years.

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

On the other hand, if you have an apartment for rent, you can try to rent it out on a daily basis (via AirBNB, mainly to foreigners) and thereby increase your yield to 10-12% per annum with good occupancy.

To receive income in foreign currency

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

Eurobonds

Eurobonds boast all the advantages of ruble bonds. Plus they have additional protection against currency risks. After all, that’s why they are “euro”, because they are 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 presented on the Moscow Exchange.

The average yield on Eurobonds is 3-5% per annum (paid twice a year). The minimum denomination of a security starts at $1000. The main problem with such securities is liquidity. But more about this some other time.

Unit-linked programs

I have already discussed unit-linked programs. 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, the Moscow Exchange has been successfully trading, which covers a fairly large part of the markets previously available only through foreign brokers.

For some of them, the average annual return from mid-2014 to mid-2016 (in ruble terms) was about 50%. For example, FinEx MSCI USA Information Technology UCITS ETF (shares of 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 considered as a serious investment tool anymore.

In this article I have presented only some of the tools available to the average investor from Russia. Remember that only by collecting these kinds 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 your friends on social networks!

Real estate, business.

Bank deposits

This is the simplest, most basic and reliable way investments. You give yours to the bank under a certain percentage. Bankers “scroll” this money by investing in other financial instruments. For which you receive a pre-agreed percentage of profit.

For example, you invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but at 20% per annum. As a result, the bank returns your funds to you with accrued interest after a year, and pockets the remaining difference.

The advantage of investing in a bank is that you know exactly how much money you can get after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular deposit using a deposit calculator, and if you need to calculate the amount of overpayment on a particular loan, then use loan calculator.

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way of investing. In short, mutual funds are a collective financial instrument when investors’ money is invested in one large pot and then professional managers increase this one large amount of funds using various methods.

The funds of shareholders (as those who have invested their money in a mutual fund are called) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but managed. Any fool can just buy shares. The task of professional managers is to find stocks that have fallen in price at the time of purchase and are likely to rise further.

In order to determine this probability, technical and fundamental analysis is used, the economic situation is studied both in the world and in a particular region, news is monitored, as well as many other parameters that are too complex for the average person.

This is the essence of mutual funds, to save people who are ignorant in these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is easier to transfer this money to those people who are immersed in the topic of investing headlong and have extensive experience behind them. At least at first initial stage.

Further, as your experience in financial matters, you can start buying stocks, bonds and other investment instruments on your own. We will talk about this in more detail a little later, but for now let’s return to mutual funds.

Compared to other financial instruments, investing in stocks is more profitable in the long term, but at the same time it is also very risky.

Here you need to constantly keep your finger on the pulse, monitor the situation in the markets, so as to prevent the loss of capital due to a strong fall financial markets, which occur during all kinds of crises.

To more clearly understand what kind of profit you can get from shares, watch the video “How to earn 678% profit on Sberbank shares.”

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are risk averse. It is very difficult to make a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, it is difficult to name this financial instrument profitable investment funds.

However, this does not mean that money should not be invested in bonds. The point is that it is not recommended to “keep all your eggs in one basket.” Experienced and successful investors always distribute their funds across several different instruments in order to reduce their risks.

Imagine, you invested all your money in shares, but after some time there was a crisis in the market and their prices fell. At the same time, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but will win on other instruments. But let's get back to bonds:

A bond is a debt issue security, which confirms the right of its owner to receive a certain amount of money from the issuer.

And in order to understand how to correctly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from English.FOReign EXchange- exchange foreign currency) is a market for interbank currency exchange at free prices.

The essence of Forex is speculation with the currencies of different countries. For example, you bought 100 euros for 90 dollars. And after some time, these 100 euros were sold for 120 dollars. Thus, earning $30 on this transaction.

Forex trading is always ongoing currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state is not receiving profit, but the country must be supported somehow. Since Greece is part of European Union(EU), then in the territory of this country everything is bought and sold in euros.

Thus, the instability of the economy of one state influenced the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro relative to the currencies of other countries. It is on such movements that money is made in Forex.

This method of investing can only be called profitable if you trade Forex yourself, when you already have extensive experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune on Forex. But there are millions of those who tried to get rich from this and went broke. Draw your own conclusions.

Endowment life insurance

This method of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program for accumulating, preserving and increasing your capital.

If regular insurance simply pays you a certain amount if insured event, then in this case, if nothing happened during the entire period of the contract, you will be able to receive either the entire amount accumulated over these years, or receive monthly payment until the end of life.

OFBU

OFBU stands for General Funds of Banking Management. In essence, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing money in OFBU you have the opportunity to increase profits through wider combinations of investment funds. On the other hand, it is more risky.

There were cases when OFBU showed a profitability of 600% per annum. However, the main problem is that the activities of OFBUs are little regulated by law, which is why they are less subject to control, unlike the same mutual funds.

There are also cases where the short-sighted activities of managers led to the complete collapse of the OFBU.

You can read more about the activities of general banking management funds here:. On my own behalf, I will add that at the moment it is best to invest in OFBU such an amount of money that you will not mind losing if something happens.

Hedge funds

I’ll say right away that in our country this is a relatively new and not sufficiently developed financial instrument, which is available only to wealthy clients.

Minimum amount Entry here starts from a few hundred dollars to a million. In the West, hedge funds are extremely popular.

Hedge funds do not have a clear regulatory regulation, which allows them to freely choose enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super-profits and colossal losses.

One of the most striking examples of hedge funds is the Quantum fund, whose founder is the notorious, who was able to make a profit of $1 billion in a day!

Structured (structured) products

A structured financial product is a complex financial instrument, which is issued, as a rule, by commercial and investment banks and is created to meet the specific needs of clients.

This financial instrument became especially popular during the crisis. After all, when you invest money in a growing market and constantly receive good profits, this is one thing, but when the situation in the markets is not stable, especially during crises, many investors try to find reliable ways to invest funds, which will give them greater profits than bank ones deposits.

The essence of a structured product is simple - part of the funds, usually 80-90%, is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst case scenario, to stay with your money and not lose anything; in the best case, make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

Although, again, what to compare with. For example, the most successful investor in the world, Warren Buffett, has provided his clients with about 24% per annum over the past 35 years. 24% per annum doesn’t seem like a lot, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal was a symbol of wealth and power, so it became the cause of quarrels, robberies, murders and even wars.

Gold should not be considered the most profitable way to invest, despite the fact that it has risen in price in recent years. The fact is that gold most often acts as a refuge for investors in difficult times.

When crises dominate the world, in order to wait them out, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis subsides, investors immediately look for more profitable ways to invest their funds. This is what causes gold prices to rise in difficult times. But then, the price of precious metals inevitably falls.

Real estate

Real estate has always been a profitable way of investing. Not only does real estate itself not depreciate in value and, as a rule, only increases in price from year to year. But real estate also allows you to receive passive income from renting it out.

True, there is one serious “but” here, which is the high cost of real estate. Essentially, this is an investment for wealthy people. This is why this method of investment should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

True, there are exceptions. For example, you can profitable investment to real estate at the stage of its construction. At this time, as a rule, there is no need to pay the full price for housing and you can pay a certain part monthly.

Thus, if you have the opportunity to contribute the required amount and this will not affect the quality of your life, then you can safely look for suitable options. The fact is that at the construction stage, a square meter of housing costs much less than later, when the construction is completed.

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profits changes. The riskier a financial instrument, the greater the return it can bring. However, as well as a loss.

Each of these financial instruments has its own advantages and disadvantages. And under different life circumstances, it is worth choosing optimal ways investing. But, for myself personally, I have already determined the most profitable way To invest money– this is business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments are not up to you. They depend, for example, on the current market situation, on conditions determined by other people, on financial results a specific company, from the actions of speculators, from marketers developing certain financial products.

Creating your own business is entirely yours.

Here you set the rules by which you will play. Here you decide what income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word remains with you, even if you decide to sell it.

In 2007, I opened my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressing salons, in which I installed a solarium, all the necessary accessories, appointed an administrator and began to earn money.

This business has many advantages. I will talk about them in the next issues. For now, I just want to draw your attention to the fact that this business has brought me good dividends. I received more than 100% per annum in a year.

It was a great challenge in which I was able to showcase many of my talents. Organizational skills, management skills, design talents, tested my advertising vision.

Hello, dear readers of the “site”! In this publication we will talk about investing on the Internet, as well as what to look for when investing online.

Internet– a world-famous global network with endless possibilities. One of the most pressing topics today is online investment . To receive passive income online, you must first make smart investments. In this case, you will have a large amount of free time for yourself and your loved ones, as well as confidence in the future.

You will learn what investing on the Internet is and what mistakes beginners make when investing online

Important! There is always risk when investing money it's worth remembering. But it is in our own power to minimize it.

2. Where to start investing on the Internet - 5 requirements for investors

Before you start investing online, you need to:

1) Provide constant high-speed Internet access. This refers to the network Internet, not mobile. Of course, you can work via phone, but not always. Many programs are not supported on the smartphone.

2) You will also need basic knowledge of economics. Spare neither time nor money on self-development and self-education. This is the first and most important investment. Read thematic books or listen to audio, visit forums and various sites about online investing.

Be sure to read: Napoleon Hill "Think and get rich" , and Roberta Kiyosaki "Quadrant cash flow" And "Rich Dad's Guide to Investing" .

These books perfectly stimulate and charge you with energy for further action, changing your worldview.

3) Be prepared mentally and financially for losses. Without them there is no profit. Losses, especially for a beginner, are inevitable. Even the most competent and experienced analysts have them, so don’t forget about it.

4) It is important to prepare yourself psychologically for investing money on the Internet. Try to be as focused as possible and remember that investments do not always bring quick profits.

Usually, the less risky the project, the less income it generates. In addition, short-term online investments bring less profit than long-term projects.

5) Be objective. Try to realistically evaluate yourself and your activities. Set a specific goal and a deadline for its completion.

For example , earn money 25 000 rubles for a new tablet for 2 month. Write this goal down in your notebook and start taking action. Schedule time for yourself to work online: this can be 2 hours a week or 3 hours daily.

The more time, effort and money you put into online investing, the faster you will start earning income. Count on luck, but don't rely entirely on it. The main thing is knowledge and experience.

Alternatively, you can contact brokerage companies , specializing specifically in the Forex market. However, they work for compensation, so profits will have to be shared. In addition, they do not provide a guarantee against losses. One of the best is this brokerage company.

Method 6. Investments in MFOs (microfinance organizations)

Investments in microfinance organizations can become good option for those who want to receive passive income. This method will be a good alternative bank deposits, rates for which are at a low level.

Main advantage investment in microfinance organizations compared to other options is high level of profitability . In most cases the rate exceeds 20% per annum.

However, such investments have serious flaws:

1. High level of minimum investment. For individuals With small amounts it will not be possible to invest in microfinance organizations. The entry threshold for such investments is established by government regulations.
2. High risk of losing invested funds. Deposits in microfinance organizations are not insured by the state.

To avoid losing your investments, you should carefully select the organization for your deposits. In this case, first of all, it is necessary to pay attention to the period of operation of the MFO on the market. The longer a company exists, the higher its level of reliability.

However, when investing in serious microfinance organizations, it is important to understand that the income will be lower. High reliability is compensated by a lower interest rate.

Method 7. Investing money in mutual funds

Method 10. Investing money in securities

Method 12. Venture funds/investments

In Russia, venture funds are not yet popular enough, unlike in foreign countries. However, no matter what, such investments can bring serious income.

Venture funds invest raised funds exclusively in. These are projects that are at the initial stage of development or even exist only at the idea level.

Important feature venture investments is high level of profitability . Such investments can bring a profit of several thousand percent.

But it should also be taken into account that such profitability can only be brought 1 -2 projects out of ten. However, it is often these few profitable startups that are able to more than cover a significant number of unprofitable ones.

For venture investments you can use the following methods:

1. crowdinvesting and crowdlending platforms;
2. venture funds;
3. investor clubs.

It's important to keep in mind that joining foundations and clubs requires serious sums of money. At the same time, sites where it is enough to have smaller amounts, in some cases turn out to be fraudulent schemes.

4. Common mistakes newbies make when investing on the Internet

Mistake 1. Greed

Remember! Greed has never benefited anyone, only the opposite. Be patient, don’t try to get everything at once - that doesn’t happen.

Invest your money wisely and assess the situation objectively. While you are new to investing, try to gain as much experience and knowledge as possible. Be aware of everything that happens online, especially with money.

Do not rush to withdraw the entire amount of money after the first successful transaction. This mainly applies to hype . If you have already started working with them, then you need to finish them carefully, without scaring them off. Withdraw your deposits from them in small parts And over time . If you don't follow this rule, you risk losing everything.

Mistake 2. Not dividing capital

It’s not for nothing that people say - don't put all your eggs in one basket . Try investing in several projects, in small amounts. Start with small investments and gradually, acquiring skills and knowledge, you can increase the amount of investments.

Mistake 3. Carelessness

We have already said a lot and repeatedly that there are a lot of scammers on the Internet. Always be vigilant . Remember that simple passwords and accounts are often hacked.

Make yourself a rule regularly change and complicate passwords. Do not use the same password on different sites or accounts; it is better to write them down in a notepad.

Do not invest your money in a dubious or untested project. Be sure to develop a behavior strategy before starting any project. A well-thought-out strategy is already the key to success. Remember this and don't give up on it.

Mistake 4. Believing in myths

Myths tend to prevent most people from starting to make money online. Don't let them overpower your own financial literacy.

The most common myth is a myth that investing is only available to the rich . It will disappear as soon as you read at least one of the books we described above ( Robert Kiyosaki "Cash Flow Quadrant" , Napoleon Hill " Think and get rich" ).

Nowadays, small savings are enough to invest, the main thing is to invest them wisely.

Many Internet projects begin to attract their investors with minimal investment from 10 $ and above . And having the amount freely available from 100 $ , you can already enter the exchange Forex or open compulsory medical insurance accounts.

There is also a widespread myth that What investing only for the smartest and most competent specialists . Remember that the most important thing in any business is self-development. Investing can and should be learned, it is also work.

Having mastered the skill of investing, you will significantly simplify your life, and it will no longer seem like a monotonous routine.

5. Conclusion + video

Self-development does not require special education, you only need desire and motivation. To start investing now, motivate yourself write a goal and go towards it .

Investing is not as scary as it seems at first glance. This is a very profitable and daily developing direction. The sooner you start generating passive income through investing, the easier your life will become. .

On the pages of the site you will find a lot of useful information.