When thinking about passive income, you need to invest capital wisely. An investor should approach this decision thoughtfully, because unsuccessful investment can lead to loss of savings. Bank deposits are one of the most reliable ways to invest savings. But here another question arises - which bank to invest money in 2018?

Our country has a two-tier banking system, where the Central Bank of Russia occupies the first level and conducts settlements between credit institutions, regulating their activities. State and private commercial banks belong to the second level, providing financial services to individuals and individuals.

The first banks, closer to modern credit institutions, arose in the 7th century. BC e. in Babylon. They provided loans at a premium of 20-30% per annum, and took houses, land, and slaves as collateral. In Russia, banks date back to the 18th century.

State-owned banks are institutions in which a controlling stake (at least 50%) belongs to the state. The top five largest state banks include:

• Sberbank;
• VTB and VTB24;
• Gazprombank;

As for companies owned by private individuals, the leading positions are occupied by Alfa-Bank, as well as UnicreditBank, Raiffeisenbank, etc. It should be taken into account that during 2018, changes may occur in this list due to the purchase/sale of shares.

Bank liquidity implies the ability of a financial organization to fulfill its obligations in full and on time.

Deposits and deposits

A bank deposit is the most optimal and most common low-risk investment that preserves and increases capital. Precious metals, securities and any other assets can be used as an investment. At the same time, a deposit, as a type of deposit, implies investing only cash.

Today, it is not uncommon for shell companies to appear, attracting investors with favorable deposit conditions. As a result, they collect money and close down, declaring themselves bankrupt. Therefore, it is recommended to make deposits in reliable and time-tested organizations. When concluding contracts, you need to study in detail the terms of the program, tariffs, interest, paying attention to the text printed in small font.

The bank accepts a certain amount of funds from the client for an indefinite or pre-agreed period and undertakes to return them with payment of interest in accordance with the conditions and procedures specified in the agreement. The most popular are demand deposits and deposits with a specified period. Additionally, the mode (every month/quarter, at the end of the term) and direction of interest payment, as well as the possibility of withdrawing/replenishing the account are taken into account. When transferring to a current account, the investor can immediately use the funds, and in the case of capitalization (adding % to the original amount), subsequent payments are made taking into account the increase in funds. Small income can also be obtained through debit cards, where unspent funds can be charged from 3 to 7% per annum.

Interest rates

In Russia, the interest rate on deposits in financial institutions directly depends on the refinancing rate and on the economic situation in the country. In the summer of 2017, the Central Bank of the Russian Federation decided to maintain the refinancing rate at 9%. Considering that the investment rate cannot exceed it by more than 1-2%, banks mainly offer the placement of funds at 7-8% per annum. In addition, according to expert forecasts, inflation in 2018 may be about 4%. As a result, the investor will actually be able to receive no more than 4% profit. For foreign currency investments the rate does not exceed 2%.

Prestigious and reputable banks offer lower interest rates than lesser-known or newly founded private financial institutions. The latter do not have government support and a large client base, so they are forced to borrow resources from the population. To do this, they set maximum interest rates on deposits, backing them up with special attractive conditions and high service levels. But such credit institutions do not guarantee 100% preservation of investments.

In the situation with state banks, investment interest rates are quite low. At the same time, most of their capital belongs to the state, so the likelihood of bankruptcy is significantly reduced. In addition, a high level of liquidity, stable income, and insurance by the Deposit Guarantee Fund increase the level of confidence of potential investors. A deposit can be opened at any branch or using an ATM/terminal, as well as online.

Cash deposits are insured by the DIA, so you need to make sure that the bank participates in the deposit insurance system. In case of bankruptcy 1.4 million rubles. taking into account% (the insurance amount guaranteed by the state today) will be returned to the investor. If you plan to invest large amounts of money, then it is advisable to divide them and make deposits in different companies.

Which bank is better to invest money at interest in 2018? According to Forbes, in 2017 the TOP 10 most reliable Russian banks included Sberbank, VTB, Rosselkhozbank, as well as subsidiaries of foreign credit organizations.

Sberbank

This largest bank in the country holds more than 40% of all deposits in the Russian Federation. They offer clients various investment programs with different interest rates. Among the offers are deposits that can be made online using the Internet banking system and receive a higher percentage.

• “Save” is a non-replenishable deposit for receiving a stable income, which is opened for a period of 1 to 36 months. When registering with a bank employee, the rate in rubles (min. amount - 1,000) will be 3.8-5.15%, and when registering via the Internet - 4.05-5.50% per annum. In dollars (min. amount – 100) you can get up to 1.35%.
• “Top up” (from 3 months) provides the opportunity for investors to make additional contributions of no more than 1,000 rubles. The interest rate when registering at a branch ranges from 3.7 to 4.62%, and online – from 3.95 to 5.05%. These conditions are optimal for people who want to save and increase their funds. In dollars - up to 1.15%.
• “Manage” – a program for a period of 3 months. provides for both account replenishment and withdrawal of up to 30,000 rubles. and $1,000 without loss. The percentage is 3-4.32% (in the branch) and 3.25-4.7% (through the Network). In foreign currency up to 0.8%.
• “Give Life” – a deposit is opened in an amount starting from RUB 10,000. for 12 months at 5% per annum, subject to withdrawal for charity of 0.3% every 3 months.
• “Savings” (perpetual) makes it possible to freely manage deposit funds. It has no restrictions on the minimum contribution, offers up to 2.3% in rubles. and up to 0.01% in foreign currency.
• “Savings certificate” – has a higher yield of up to 7.10%, since it is not subject to insurance. You can deposit from 10,000 rubles into your account. for a period of 91-1095 days. Replenishment or partial withdrawal are not provided. The security can be cashed by any person, since it does not have a specific owner.

The bank also offers profitable programs for pensioners and periodically holds promotions with favorable conditions.

VTB

The second largest Russian bank in terms of assets and the first based on the size of its authorized capital. At the beginning of 2018, the merger of the VTB24 subsidiary was completed. This integration will improve the efficiency of interaction between business lines. Current bank clients do not need to renew existing contracts, and for future depositors VTB offers the following programs:

• “Loud benefit” – from RUB 30,000. for a period of 120 days up to 10% per annum.
• “Maximum income” - from 1,000 rubles. for 91-1095 days to 7.14%.
• “Maximum growth” with the possibility of replenishment and one-time withdrawal in the amount of 1,000 rubles. up to 6.69%.
• “Maximum comfort” in the amount of 1,000 rubles. and % rate up to 4.32% with the possibility of replenishment/withdrawal.
• “Savings account” – open-ended for any amount up to 6% per annum.

Gazprombank

The organization was initially created to finance infrastructure projects in the oil and gas industry. Today it offers a variety of savings, savings, spending, and pension deposits with various conditions.

Among the most profitable:

• “Holiday” - issued for an amount of 100 thousand rubles. with payment of 7.25% at the end of the term, which is up to 121 days without the right of early withdrawal and replenishment. The offer is valid until 01/31/18.
• “Doors are open” - from 300 thousand rubles. at 7.3% for up to 91 days.
• “Investment income” - 25 thousand rubles/500 dollars, euros at 8.7%, 2% and 0.4%, respectively. The maximum deposit period is 367 days.
• “Savings and protection” in the amount of 50 thousand rubles. and above for 367 days at 8.8% per annum.

Founded to stimulate and develop agriculture. Among the most interesting programs with increased rates, the “Premium” and “Ultra” packages stand out. For example, by making a “Golden Premium” deposit in the amount of RUR 1,500,000/USD 50,000 at the end of the term, which ranges from 91 to 1460 days, you can get 7.35%. At the same time, the “Profitable” program, which is issued for a minimum of 3,000 rubles. provides up to 7.2% per annum. An interesting deposit is “Investment”, concluded for 50 thousand rubles. and above for a period of 180-365 days up to 8.45% per annum. But this program is available subject to the purchase of a share from investment funds managed by RSHB Asset Management LLC.

Russian commercial banks

Alfa Bank is the largest private credit and financial institution in the Russian Federation, offering a wide range of deposits. Among the most profitable is “Victory+” with a maximum income of up to 7.34% per year. An interesting offer is “Savings Bank”, which provides the opportunity to receive up to 7% on the balance. The account can be replenished automatically on payday within the selected amount, or a certain percentage can be deducted from purchases made using a payment card.

A representative of the European banking group, UniCreditBank, has been successfully operating in Russia for almost 30 years. A wide range of services allows you to choose a deposit for every taste with convenient deposit parameters and relatively high interest rates, varying up to 8.35% in rubles, up to 2.66% in dollars and 0.2% in euros. All deposit programs provide for both capitalization of the amount and payment of interest on a monthly basis.

Raiffeisenbank is a subsidiary of a large Austrian banking holding company, which has been successfully operating on Russian territory since 1996. It has profitable investment programs, such as “Welcome”, which is issued for 50 thousand rubles. and more for 181 days. up to 6% per year or “Profitable Season” with conditions ‒ 100 thousand rubles. for 366 days up to 6% per year.

Other most profitable investments with high interest rates in 2018 are offered by Renaissance Credit (up to 8.25%), Promsvyazbank (up to 8.55%), and National Bank Trust (up to 8%). More detailed investment conditions can be found on the official website of any bank.

Many people believe that minimal risks with good profits are incompatible concepts. But is this really so?

Yes, this is possible, but only if it concerns conservative or moderately aggressive investment in liquid assets, where the safety of investments is guaranteed by the state itself.

Today there are many investment options where you can invest your funds with minimal risks.

Let's look at them in more detail.

Bank deposits

Despite the current situation that has developed around the country's banking institutions, deposits still remain one of the best and most reliable types of investment.

Let us remind you that recently, due to the difficult economic situation, licenses have been revoked in many regional (small) and even large banks.

At the same time, it is necessary to take into account the fact that this investment option is perfect for those categories of citizens who are ready to deposit an amount of no less than .

Depending on the goals of the investor himself, the type of deposit is selected:

• if you want to try yourself in long-term investing, the best option would be to register time deposit for a period from 1 to 3 years, at a high fixed interest rate;
• for those citizens who plan to regularly replenish their deposit, it is recommended to apply for that type of deposit where there is opportunity to take advantage of interest capitalization. It is worth noting that in this deposit option the interest rates are small, but through constant replenishment you can increase your capital well;
• if investors regularly need cash, they need to choose deposit option with the possibility of early withdrawal. In the end, you can make a deposit with interest withdrawal per month (you can withdraw your income once a month).

When choosing deposits, you should pay attention not only to the interest rates themselves with the highest returns and other bonuses that may be offered by bankers, but also to Are deposits in a particular bank insured or not?.

If the deposits are truly insured, it means that their safety is guaranteed by the state and if the bank is liquidated, the deposit is returned to its rightful owner, but if there is no insurance, the loss of one’s capital.

The maximum deposit amount that is guaranteed to be returned to the owners is 1.4 million rubles. If the deposit size is, for example, 2 million rubles, the owner may not receive 600 thousand.

Another important nuance that you should pay attention to is what currency should the deposit be in? Here it is better to do the following: divide the capital that is being prepared for the deposit into 3 equal parts, put each of them in rubles, dollars and euros. In this case, the investor in any case invests funds at a high interest rate in the bank.

In the period 2017-18, it is advisable to purchase yuan, since the World Bank predicts rapid growth for this currency.

Investing in bonds

For those categories of investors who do not perceive the deposit as a source of stable good profit, there is an opportunity to take advantage of financial instruments such as bonds.

The definition of a bond is a security that is issued by a country, government entities, municipal organizations and, by and large, is perceived as a promissory note.

Bonds themselves can be purchased through brokerage services in the same way as stocks, futures, and options.

One bond is equal to 1 thousand rubles. For this reason, you can purchase as many bonds as your capital allows.

In this investment option, profit is formed from several facts, namely:

• from the very difference between buying a bond and selling it (the bond costs less than its face value, and after a few years it can significantly increase in price);
• coupon profit.

It is necessary to take into account the fact that bonds can be redeemed in the period from 1 to 25 years, while foreign ones - up to 50 years.

Moreover, if you choose a coupon profit, then it can be fixed or directly linked, for example, to the refinancing rate or to the inflation rate in the country.

Investing in shares and Eurobonds

To ensure that investing in shares does not entail large risks of losing your capital, it is recommended to purchase securities exclusively from leading organizations operating in the domestic or foreign market.

Shares that were purchased from large, well-developed companies provide guaranteed stable income to their owners. At the same time, liquidity allows you to make additional money on the difference in the price of these shares.

When investing in this area, the optimal solution would be to purchase such types of shares as:

• so-called “Blue chips”, which refers to shares of large domestic organizations that are included in the RTS or MICEX index;
• so-called “second tier” shares which can bring big profits, but at the same time there is a high probability of becoming bankrupt due to a decrease in their cost;
• shares of the world's largest companies Google, Amazon, Apple and so on. As a rule, the risk of going bankrupt here is practically zero, and the profit is more than significant;
• acquisition of Eurobonds. These are shares of domestic enterprises that are issued in foreign currency - dollars, euros, pounds, and so on.

If an investor has managed to create for himself a universal portfolio of shares of successful enterprises, he has the right to count on income ranging from 17 to 20% per year of the investment amount.

Structured products – what are they?

The final type of conservative financial instruments are structured products or products with excellent protection. At the same time, they differ from steel types of investment in the considerable amount of capital that is required for entry - about 100-200 thousand rubles.

What is meant by the terminology “structured products”? By and large this is very complex financial portfolio, which includes many tools:

• deposits;
• indexes;
• insurance and so on.

More specifically, this product is a ready-made investment strategy that is simply purchased by the investor himself.

The release of such products is carried out by banking institutions, brokers themselves, or directly by investment funds.

The main types in this direction are considered to be:

• investment shares;
• indexed deposits;
• trust management agreements;
• bonds, bills, etc.

If we talk about risks, here we can note several types of structured products:

• guarantee of partial return of invested capital. An example of this could be a guarantee of a return of 92-95% of the investment amount;
• guarantee of return of investment in full. Everything is simple here - in case of any troubles, a 100% return on investment is guaranteed;
• the investment guarantee is nominal. This terminology implies virtually a complete lack of guarantees for return on investment.

At the same time, it is necessary to remember that the only option in which bankruptcy of an investor can occur is the bankruptcy of the issuer itself.

Investments at high interest rates with maximum risks

Let's consider options for investing your capital in projects with maximum profit, but also high risks.

Investing in mutual funds

The essence of mutual funds is simple - the investor transfers his capital to the fund account, where it is combined with the funds of other investors, and then shares of any companies are purchased for the total amount. Dividends received from shares are divided among investors in equal shares.

At the same time, the investor does not perform any operations on his own - this is done by professional managers.

As you can see, each banking institution has its own mutual funds with its own interest rates. At the same time, the risk itself lies in the fact that these investments are not protected by the state.

Investing capital to provide loans in the Webmoney system

WebMoney is a payment system that operates on the Internet. You can use it to purchase any goods and services. At the same time, it is possible to issue loans to each private owner of the system.

From the photo you can see that users can set the maximum loan amount that they offer to take out, the interest rate and the repayment period.

At the same time, it is necessary to pay attention to the fact that only those users who have passed the identification process can provide loans, including applying for them. In simple words, you uploaded your passport details.

Investment option for various microfinance organizations

Surely many people know what an MFO is - it is an analogue of banking institutions that provide loans on loyal terms. Moreover, they provide mainly microloans.

If we talk about the benefits of investing in microfinance organizations, these are annual profit percentage, which can reach about 40%.

If we talk about the disadvantages of this type of investment, then today there is a tendency that approximately 50% of such microfinance organizations are liquidated per year, and therefore there is a high probability that you can go bankrupt.

Investment in Internet sites

Today there are over a trillion websites on the Internet, most of which bring good profits to their owners.

It is worth noting that each website is someone’s project, which has its own individual design and areas of activity.

With the help of modern technologies, even a schoolchild can create a website today, spending only a few days on it.

At the same time, the main problem with investments in this direction is that many people invest their funds in unprofitable areas of the site. Besides this, there are other disadvantages:

• absence of any guarantees;
• You must have basic knowledge of website promotion;
• it is necessary to have a clear development strategy.

If we were talking about the advantages themselves, it is that you can achieve a profit of 100-200% from the investments themselves, and such income will be monthly.

From the screenshot you can see that the “Income” column shows how much profit the site owner receives monthly.

The “Price” column indicates how much the site owner must pay if someone wants to purchase it.

On average, the period from payback on your investment to making a profit can vary from six months to 3 years.

Investments in social networks

We all use social networks, go to various groups and read funny or useful posts. However, few people know that the administrators of these groups receive income from advertising that they place in their groups.

If we talk about the investments themselves, the cost of the group directly depends on factors such as:

• attendance;
• number of subscribers;
• user engagement.

From personal experience, we can say that the cost of one subscriber when purchasing a group varies from 15 to 50 kopecks. It’s easy to calculate that if a group has about 100 thousand subscribers, its cost is 20 thousand rubles.

This cost is indicated when purchasing groups on Odnoklassniki.

If you have such a group, you can receive an income on average up to 5 thousand rubles per month. But at the same time, you need to be prepared for the fact that at any moment, without explanation, the administrators of the social network itself can block the group, and thus all investments are “merged.”

Video consultation

One of the most popular videos on the topic. Pavel Bagryantsev talks about the universal and most effective investment of even small amounts.

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Last update: 12/02/2019

Hello, dear readers of the financial magazine website! Today we will try to answer the question “Where to invest money”. After all, the difficult economic situation in the country’s economy makes us constantly worry about our own financial resources.

Therefore, we are constantly faced with many questions, first, where to invest money, to save and not lose, then where to invest, to earn money, to receive monthly income etc.

Detailed instructions: where to invest money so that it works and brings monthly income + 35 ways to invest money

If there is even a small amount of accumulated capital, then there is a real fear of losing it. That is why we are trying to be more literate in matters of investing money, exploring various profitable investment opportunities.

Of course, many of us are far from politics, the big economy and government methods of management, but this does not deprive us of the opportunity to study the experience of successful people, review expert advice, determine the best way to invest money to generate income. Such a detailed review of the situation will help determine the most profitable area of ​​investment money at the moment.

From this article you will learn:

• Where to invest money in 2020, so as not to lose— expert advice;
• Where to invest money to earn money (so that they work) at a high interest rate with a guarantee - the basic principles of investing money;
• Let's look at where you can invest money in Russia + real ways to invest money depending on the size of the money.

5 rules for investing money

1. Where to invest money so as not to lose - 5 basic rules of investing 💎

So, how to invest money so as not to lose it and what needs to be done to make it work and generate income? On our website we present the site 5 rules of investing which need to be taken as a basis. They will be a kind of " reference book”, which will help you take the most correct actions to preserve and save money.

These rules were developed through acquired experience and have proven their effectiveness over many years.

Rule #1. Free money

This is the first rule, which states that only those funds that are available after fulfilling all basic obligations and needs can be invested (invested), that is, we are talking about those not taken on credit/debt, etc.

Never take money to invest on credit or duty. It is worth understanding that a subsequent unsuccessful investment can lead to bankruptcy and limit the possibility of returning funds at the appointed time.

In addition, an incorrectly calculated economic budget for your own family will cause additional difficulties for you. After all, sometimes everyday problems that arise require an urgent solution.

Remember that personal loans, credit debts can not only rewrite your good history, but also ruin the relationship with close relatives, obligations to whom will remain unfulfilled.

But if you still decide to use a loan, then our article about how, even with a bad credit history, will help you.

Rule #2. Regular income

When investing your own money, it is important to realize that you can only count on the money that you manage to earn in the usual way, without resorting to the results of investments. We have already written in the article about where you can earn money without investments.

Divide these income items into 2 parts, one of which constantly increases capital, remaining untouched, and the second provides personal existence and is replenished monthly from stable sources.

Rule #3. Investment plan

Draw it up in advance, defining clear parameters. Consider all your possibilities and methods, try to choose 2-3 types of investment. At the same time, it is important to understand that the actions you plan can be adjusted taking into account the changing economic situation in the country. That is, the investment plan must be flexible and relevant.

Try to ensure that all available funds are not invested in one single project (investment method). Investing money in several projects will be most effective. Even if in some area it is not possible to achieve profit (there will be a loss), then other types of investment will correct the situation.

Rule #4. Don't waste your profits

This rule says that the money you earn should form and increase your capital. Many experts advise to quickly withdraw the money earned from investing in other investment objects.

Form your own investment portfolio and look for the most profitable new sources of investment.

Rule #5. Control your money

Try to take an interest in the movement of your own funds and assets as often as possible, paying attention to even minor nuances. This will allow you to avoid many mistakes and problems, and will also allow you to make the right decisions on investing your money.

In addition, you should be very careful about dubious And super profitable investment proposals. Carefully check all possible information on these types of investments.

It should not be forgotten that cases fraud have become significantly more frequent and it is not always possible to immediately determine the veracity of a company’s/person’s intentions.

Make inquiries about the company that plans to cooperate with you. Look through various reviews online and study the experiences of other people who have a history of investing in it.

Try to make preliminary calculations, pay attention to the totals. Too fast and high profits should alert you.

By remembering these simple rules, it will be easier for you to navigate your own capabilities. It is worth understanding that only a thorough study of the situation and the proposals received will help you become a more competent investor.

We are used to trusting the words of our friends, parents, and relatives, but the situation changes daily and yesterday’s profitable investments can result in today’s risk of loss. That is why you should count on your own financial literacy .

According to experts, the income we receive monthly must be divided by 3 components:

• main- This is the money that is spent on buying food, clothing, and paying rent.
• cumulative - it is approximately 10% from the amount received. Here, expenses are expected to purchase a car or go on vacation.
• working– the entire remaining amount, which can be disposed of at your own discretion. It is this that is the source of future investments.

As you can see from the diagram, there is little money left for investment, but it is this money that can increase significantly with the right approach.

Even if a situation arises in which you come across a very profitable project, but you don’t have enough of your own funds for it, try to find other investors/co-investors. By joining forces, you will create a common fund, which in financial language is called pool, thereby giving a start to the business itself to obtain higher interest rates.

These situations are not uncommon and people very often strive to find like-minded people who have a reserve of money. The general idea can provide incentive, and the capital collected can provide a good return.

2. Where to get money to invest it profitably - tips 📑

Sometimes it seems that the word itself Investment“implies a large financial sum that is difficult to find immediately. (Our article “” will help you). That is why we try to put banknotes in a box, keeping them at home until better times.

In fact, this position incorrect , because any free money should work for you, attracting new financial resources. If we talk about such a method as preserving and increasing capital with the help of a bank deposit, then the initial investment amount can be 1000 rubles.

It's important to just choose the right one bank deposit and the terms of its use. Read about what they are in a separate publication in our magazine.

Yes, currency purchase, precious metals, art objects, and even more so own business will require a more significant amount from you. But here, too, there is a way in which you can gradually collect the missing finances.

First, teach yourself to save. Try to shop wisely, creating your own benefit. We recommend reading the article - + expert advice"

And secondly, save monthly 10 % from the income received for preservation. Thus, you will create a clear structure for the distribution of funds and in a few months you will achieve your intended result.

Profitable ways to invest money so as not to lose, save and earn - TOP-35 investment methods

3. 35 ways to invest money so that it works and generates income 💸

Let’s try to consider the most current options for investing your own money, identifying their advantages and disadvantages.

Method number 1. Bank deposit (which bank is better to deposit money at interest)

This is the most common method that is available to anyone who wants to invest their money. Its whole essence is that an agreement is concluded on the basis of which all the funds you deposit are not only saved for a certain time, but also multiplied according to the specified rate.

The investor (depositor) acquires confidence is that he will receive income, the amount of which can be calculated in advance. This method of working with money is beneficial for both parties.

Method of investing money No. 1 - deposit

You By replenishing your deposit, you work to increase it, and bank, taking funds, carries out a lot of operations that give him his own benefits.

So, your contribution is under 10% given for a loan with debt obligations to another client in 20 % and, exactly one year later, the returned money will make a significant difference (income) to this institution.

You can choose the most optimal deposit for yourself either independently or with the help of a consultant, who always focuses on the offers that are relevant at a given period.

Another significant advantage this method can be called deposit insurance, introduced recently in connection with the regular bankruptcy of credit institutions. Now your contribution is equal to 1,400,000 rubles subject to compulsory insurance, and therefore subject to return in any case by the state.

That is, if your investment amount exceeds this specified threshold, then you can split the money using the services of several banks.

Despite these positive aspects, there are also significant minuses . Thus, initially the smallest percentage of all investment methods is set for invested funds and can be from 0.1% to 9%, which varies depending on the terms of the proposal put forward.

In addition, the unstable financial situation in the country leads to constant depreciation of funds(inflation). But, even in this case, your small profit will allow you to avoid significant losses, keeping your capital at the same level.

Which bank is better to put money at interest in 2020 - expert opinion

When deciding for yourself which bank is better to invest your money in and where to open a bank account (deposit account), we recommend that you familiarize yourself with the TOP- 5 banks in the country, paying attention to the reliability rating of these banks.

The bank is more reliable if the main shareholder (controlling stake) is the state. It is unlikely that the state will be interested in the bankruptcy of its own banks.

Reliable banks include: For example, such giants of the banking sector as Sberbank, VTB, Rosselkhozbank and some others.

So, the TOP 5 banks in which you can safely invest money at interest:

1. "Sberbank";
2. Rosselkhozbank;
3. "VTB 24";
4. Gazprombank;
5. "Alfa Bank".

Bank reliability ratings change slightly over time. But the first 3 (three) jar almost always are in their places, since these are large banks with state financial support, that is, reliability is at the highest level in the country. Here you can choose a deposit with replenishment, capitalization of interest, as well as extension. You can read about that in one of our publications.

Method number 2. Investing in mutual funds

People who are a little familiar with stock exchange, shares, bonds and working with securities prefer to invest money in mutual funds (UIFs).

In fact, this combination only sounds complicated, but has a simple basis. It represents collective investment of funds and their further management. All money is collected into a general fund, and then, with the help of a professional manager, is directed to the chosen method of use.

The principle of operation of mutual funds

IN most We ourselves very rarely have real information related to the economic indicators of even the most successful organization. Therefore, the ability to purchase any security is enough, but to manage it competently is not.

Important! By investing money in mutual funds, we get the opportunity to acquire those stock, bonds, gold or currency, which have fallen slightly in price, but are able to gain their positions in the future, determining good growth and a significant share of profit.

To achieve such an ideal situation, specialists in investment funds must have an excellent understanding of the economy not only at the level of their country, but also in the whole world. It is important to master the basics technical And fundamental analysis, view news feeds and be able to respond correctly to constant changes.

It is very difficult for an ordinary consumer to obtain a complex of such knowledge, much less actively manage it, so there is a need for the services of a specialist. This is the essence of investing money in mutual funds.. You give your free funds to managers who have extensive experience and good statistics.

Thereby, advantage investment fund is that at any stage you are provided with maximum support and various options for investing funds from which you can choose the most optimal.

There is no need to immediately dive into all the subtleties and nuances, study the methods daily, it is enough to trust your funds correctly. In addition, you can gradually delve deeply into the actions being taken by independently purchasing additional shares of the same organization.

It is worth understanding that the activities of any management company are subject to constant control by the state, and this already gives you confidence in honest cooperation.

It is precisely such strict measures in the legal field and legal issues that ensure the protection of our investment rights as shareholders.

For the most part, a company that values ​​its reputation allows only verified employees with a special certificate to manage raised contributions. It is also important that the amount of your initial investment is practically unlimited. It can start from 1000 rubles.

All available capital can be distributed initially between several mutual funds, which will allow you to create your own portfolio, limiting your share risks.

Following the logic, the situation turns out this way: even if one investment fund exposes your money to risks and brings you lesion , then the other will help restore the lost amount and most likely provide income .

Even if the fund is recognized bankrupt , then your property invested in this investment will be prohibited from being put up for auction by law. If necessary, you can always request the results of an independent audit, which is carried out daily. Thus, with the help of a registrar, the fund’s own rights to invested shares and all property are recorded. And every year, the company’s accounting department is audited.

Negative side This method can be called one’s own indiscretion, when a young, untested specialist who gets down to business “let’s you down” and your expectations.

It is quite difficult to check its actions in advance, so there is a risk of losing accumulated money.

The only right decision You may want to know a lot more about the mutual fund in which you are planning to invest. Try to analyze the situation, look for reviews, read forums, and insure yourself.

Method No. 3. Purchase of real estate

Investment method No. 3. Purchase of real estate (office, residential, etc.)

This method has always been the most effective for investing money. It is worth understanding that purchased real estate (apartment, etc.) almost never loses its price. We have already told you how to profitably buy an apartment and in a separate article.

Over the next few years, its value will gradually increase. Sometimes this happens in sudden leaps, often simply by a systematic increase, but it always gives its owner the opportunity to find himself in plus . We wrote in more detail about, as well as the pros and cons of this method of investing, in a previous article.

In addition, the purchased option can always be rent out, and this is already a way of passive income, which leads to further accumulation. Experts have noticed that for investment purposes it is best to purchase simple rooms or one-room small apartments.

An example of an apartment that can be purchased for rent starting from 20 thousand rubles per month in a large city

The rented space of two such objects costs several times more than one area consisting of 2 rooms.

Also, a small square is easier to repair, giving it a presentable look, and furnishing it with your own furniture. If we use the language of numbers, then renting the purchased room will bring us 10-20% per annum, which will maximize the return on investment through 6-8 years, and after that the period of receiving net profit will begin.

But renting an entire apartment only brings 5-7% per annum and this is a longer period for returning your funds. In addition, the existing method of daily housing rental provides the most profitable prospects, but entails the need for constant work on searching for living people, And repair, the implementation of which will become more frequent.

You will need to ensure not only the best conditions, but also the prestigious location of the room in the area. Investing your own funds in housing has mass benefits . This includes stability, the possibility of further residence and return of the invested money at any convenient time.

It is worth understanding that sell property you can always. (For information on how to do this quickly, read the article - ?). Plus you can easily give your square meters, hand over them by inheritance or bequeath to a specific person.

Disadvantage This method must be taken into account the high cost of the object and the difficulties in completing the transaction. So it is not always possible to easily collect the amount from 500,000 rubles, and even a loan taken from a bank imposes a lot of obligations on you. But having money on hand is not a guarantee of a successful result.

In the modern world there are many schemes used scammers when selling a home. And your initial belief may later turn out to be a lie.

Therefore, vigilance is very important when searching for premises, checking documents and working with lawyers.

For information on types of real estate investing, watch the video below:

Method number 4. Precious metals

A very common way of investing has become the purchase of gold. It is purchased in special bullion and, as a rule, stored in the same banks, creating a special account.

Over time, prices for this instrument may, as grow, so fall, but for the most part they provide the owner of the precious metal with profit. It is not difficult to purchase it even on the day of application.

If the transaction occurs in an impersonal form, then VAT in fact sales or purchases will not be charged . But the formation of metal into an ingot involves payment of tax for added value in the amount 18% (VAT).

In addition to gold, it is actively sold silver, palladium And platinum. In fact, the investor’s entire income is generated by the increase in the cost of precious metals on world markets. If necessary, accounts can be replenished with the monetary equivalent of the value of this investment instrument.

When closing the agreement, according to its terms, the bank has the right to give you not only financial resources, taking into account the increase in the amount, but also the bullion itself. By the way, very often accounts closed ahead of time do not entail the payment of accrued interest.

Advantages of this method is that it protects savings from inflation, protects the owner in case of any unstable economic or political situations in the country. In addition, it can be seen here high liquidity use, that is, a quick transfer into cash, as well as a stable increase in the value of it.

Gold, as a precious metal, is always in price. The price of gold is subject to slight fluctuations, but over the long term it increases in value.

From shortcomings can be called the need to create special storage conditions, purchase And sale is made only through the banking system, and the increase in capital gains occurs at a slow pace.

In addition, when working with this method, you need to follow several basic rules.

Firstly, it is important to purchase precious metals during the most favorable period. Try to identify the main price decline.

Secondly, it is worth understanding that such investments pay for themselves only in the long term.

And thirdly, when starting the main actions, try to study the market in advance, understand the peculiarities of production and consumption of each metal, and also analyze expert forecasts.

Acquiring gold gradually depletes gold reserves, allowing the price to become more expensive over a period of time.

Method No. 5. Business

Investment method No. 5. Business creation and development

Creating and developing your own business, as well as purchasing a ready-made project, involves special risks in the initial stages. In general, of course, the area of ​​investing money is considered profitable, but achieving such a result can be very difficult. We have already written about this in our issue, which provides detailed instructions on how to open, what to look for, and also provides popular business ideas as examples.

Important not only initially correctly calculate the amount of investment, availability of staff, purchase of goods And other expense items, but also take into account the rental of the premises, the traffic of the planned location, and even the cost of the average bill, which gives reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt original plans. This presence of competitors, bad relationship with suppliers, equipment modernization, changes in Russian legislation, and much more.

Advantage Such investment can be considered the possibility of joint ownership of a business, collegial management of it and the search for a niche poorly occupied by competitors.

Under such conditions, as well as competent management of affairs, you can not only receive a good income, but also be confident in its consistency.

Negative side this method is called absence 100% guarantee. Your invested funds may, in the end, not only not be returned, but will also impose special obligations to eliminate debts incurred as a result of activities.

Any area of ​​business requires special attention, constant work and personal dedication. You will have to either constantly monitor the progress of affairs with the invested funds, or independently participate in them, achieving positive results.

We wrote about it in more detail and detail in our previous material.

You can also watch the video below about investing in business projects:

Method number 6. Purchase of securities

Investing in such instruments becomes profitable in the long term. Their main types in your portfolio can be called stock, bonds And Eurobonds.

Method of investing money No. 6. Purchase of securities (stocks, bonds, etc.)

Let's look at each acquisition in more detail.

So " promotion" is a security that makes it possible to confirm your right to a share in the capital of a company. It allows you not only to receive dividends, but also to participate in the management of the enterprise itself.

Main advantage such an acquisition can be considered a huge profit based on the increase in its price. The entire storage and control scheme for such papers is now in electronic form, so it is very convenient to use.

Also, when working with securities, many companies open their controlled companies in offshore zones (“offshores”). we already wrote in our previous issues.

Negative point experts call the high risk of storing these tools. Such a purchase is made at your own risk. No one gives good guarantees of the success of such an event.

"Bonds" their owners increase their capital gradually. Its growth occurs at a slow pace, but makes it possible to become stable. In the overall portfolio of securities, they are most likely acquired for diversification, that is, expansion of the assortment.

They reduce risk and are suitable for those users who can expect a long period of increasing their initial funds.

"Eurobonds" issued most often by corporations and governments in foreign currency denominations. The starting bid for their purchase is 1000 dollars.

Main advantage This method of investing lies in the cost difference between currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.

Flaw This method is that it is very difficult to choose the right stocks or bonds for your portfolio on your own. You will definitely have to resort to the opinion of professionals and experts.

Only they, understanding the real economic situation of our country, as well as understanding all the nuances of work in this area, are able to advise and choose the most optimal solution for you.

Method No. 7. Private lending (P2P lending)

Another method that is now most widely used. This is a method in which money is provided to the borrower under special conditions. It is important to draw up a contract correctly and evaluate everything risks And losses, study the personal data of the person with whom you will work.

Yours advantage consists of high profitability. Providing credit obligations from one individual to another for a short period allows you to receive up to 50% per annum. But the disadvantages of this method are also serious.

There is a possibility of non-repayment of borrowed funds. Even a very thorough search for borrowers does not guarantee their integrity.

Method No. 8. Buying currency

This method of investing can be carried out both with the help of banks (banking institutions, branches, etc.) and by attracting brokerage companies to trade on the Forex currency market. One of the best brokers is " ForexClub".

If In the first case you just need to provide a document proving your identity, then in the second— a special agreement is signed, which initially may carry additional risks. In one of the articles in our magazine you can find out what you need to pay attention to when...

That is why it is important to choose the right specialists who have significant experience in this field of work. The most popular currencies today are: U.S. $, Euro, Japanese yen, Swiss frank, And english pound sterling.

Main advantages Some points can be mentioned in this method.

Firstly , the increase in profit is achieved in 100% and more, which allows you to increase your initial capital, getting richer every day.

Secondly , if you know the dynamics of exchange rate growth, then it becomes possible to protect yourself from inflation. You can choose the currency yourself, determine its changes and predict further consequences.

Third , the purchase for you is not limited in time. This process can be scheduled for any period of personal free time.

AND, fourthly By providing constant access to the Internet, you are independently able to control the situation, monitor changes in course, and determine the effectiveness of your further actions.

Flaw With these advantages, there is only one - the unpredictability of the currency. In order to make the right decision, you need to carefully monitor changes, be able to correctly predict the behavior of quotes and try to bet on different types of funds.

Yes, experts advise to instantly increase your starting capital, invest in dollar or Euro.(we wrote soon in the last issue, which provides advice and expert opinions).

If it is a priority for you safety of funds , despite the difficult political situation, turn your attention to pounds or Swiss frank.

Of course, their purchase is more expensive, but this operation provides stability, because their position is more stable in the foreign exchange market.

☝ Also, popularity has been growing recently. We talked about them in detail in the last issue.

Method number 9. Investment in art

This is one of the stable ways not only save your funds, but also significantly increase them. To do this, it is important not only to really understand art, but also to attend special events, selecting your future buyers.

This method has both a lot of advantages and its disadvantages. As you know, the art market has existed for quite a long time and anyone can become a participant, regardless of gender, age, and even religious prejudices.

The first and significant plus working with masterpieces is very simple purchasing procedure works. There are no special formalities, licensing, or special checks. The investor selects a future purchase from a catalog or by directly visiting the gallery itself. They tell him the price for the canvas he likes according to the established price list.

If necessary, an expert is brought in to confirm the authenticity of the work. Such a specialist can be provided either by the organization itself or from a circle of personal preference. The work you like is carried out through a purchase operation and handed over to the investor.

By the way, it is believed that investing in such sources becomes most profitable during periods of crisis, war or extreme situations. This is a kind of capital protection, providing further profit.

But against the backdrop of these advantages, we can also highlight a number of disadvantages . Let's start with the fact that this market has low liquidity. Auctions are held with frequency 1-2 times a year, and the sale itself may take from 6 to 18 months .

In addition, the availability of buyers who can pay you the required amount is very limited and it is important to convince them of the importance of the acquisition. Many credit institutions refuse loans to their clients, even if they try to secure them with the very objects of art as collateral.

No work is capable of generating intermediate income for its owner, such as renting an apartment or buying shares, but the expenses can be significant. The owner must ensure not only correct storage conditions, but also insurance, security, delivery.

In addition, sometimes it happens that a period of rising prices is replaced by its stability and waiting for a long time the owner may simply make a small profit. Even at well-known auctions and trades does not exist 100% anti-counterfeit protection. Often the staff of experts there is very limited and it is not physically possible to check all works of art.

Many experts advise taking this method of investing capital very seriously. Try to provide yourself with the best possible methods for checking works for authenticity, and involve those employees who will give a guaranteed result.

It is worth understanding that only a painting that has not been put up for sale for a long time and spent it in one collection has a serious chance of increasing its value.

Method No. 10. Internet projects

With the development of modern technologies, this direction is becoming increasingly popular.

Way to invest money No. 10. Investing in the Internet - projects

At its core it has 2 region, which may be of interest to both a novice investor and an experienced specialist.

Firstly, the World Wide Web allows you to create web resources of an innovative nature, which are regarded as startup. By the way, we wrote in our last article.

Secondly, you can invest money in creating your own website, which will become the foundation of your business and begin to bring in additional money on a regular basis.

AND, Thirdly, financing those projects that seem most profitable to you.

Let's look at each direction in more detail to understand how profitable it can become later.

In the first case you will need come up with an original idea, which will be able to interest the future buyer with its profitability. Having worked through it more carefully, it is important to understand even the smallest details.

Next, specialists are brought in who are capable of bringing the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed according to which this business project is actually implemented and tested.

Your investment is returned back with recoil . The amount of profit received depends entirely on the degree of elaboration of the created Internet site and its attractiveness for future owners.

Second case has a more common onset and is beneficial for a number of reasons. You can create your own business on the Internet even with a small capital.

You save on retail areas, warehouses, staff, but you have the opportunity to gain access to a wide range of users and engage in implementation at a convenient time.

Investments in this type of activity less risky than creating a business in reality. But the development of this direction and the increase in initial financial sources completely depends on your employment, interest and intentions.

Third way attachments funds through the space of the World Wide Web is also associated with doing business, only by people who are able to prove the effectiveness of their start. There are many platforms on which people post their projects with a specific description of costs and profit levels.

Investing in websites. An example of selling a website from the Telderi exchange. The lot indicates average monthly income and expenses and other information for buyers (investors)

They offer you to invest in it, promising a certain share of shares, from which you can later receive income or earn money for their sale. Such obligations are formalized using a special type of agreement, worked out by specialists.

Investing in Internet projects- this is an area that should be studied especially carefully, because it is impossible to predict the result in advance. Of course, there are risks here.

And perhaps disadvantage This method can be called unpredictability. Experts have calculated that from 10 offers nominated for consideration only 4 capable of becoming profitable .

Method No. 11. Binary options

This is the fastest way to make a profit on invested funds. It is based on two components: ability to take risks and clear detailed study economic situation.

Method No. 11. Investing in binary options

Your task is to to provide a correct forecast for the price of the asset being used. For example, it is most convenient for a person to work with stocks. By purchasing an option on them, he bets that, for example, in exactly one day their value will become significantly higher than what is currently indicated.

After the specified time, the result is evaluated. If the assumptions are confirmed, the profit margin will fluctuate from 65-85% . This is a significant increase in invested capital.

But don’t forget that you may not guess right. Exactly then gets lost 80-100% rates. We have already written in detail about options in our issue - “What they are and real reviews from beginners.”

At first glance, it may seem that generating income in this way is just a game of chance. Actually this is not true. It is worth going a little deeper into the created system, and you will begin to make more correct predictions, and this, as a result, increases the chances of a favorable outcome of the bet.

Investing in binary options, it is worth considering that they have mass benefits.

Firstly , the trading instruments that will be offered to you have a wide range and provide the right to a huge choice. So anyone, even a novice investor, can work with both standard currency pairs and precious metals, shares of various companies, oil and other assets.

Secondly , your level arrived and possible risk predetermined. In general, you can calculate in advance how much money you will be able to receive as a result of a positive outcome of the case and what you can lose if the situation is handled incorrectly.

Some trading platforms offer their consumers to independently set the percentage of the future outcome.

For example, by setting the numbers 80/70 , you lose 80% of the bet without guessing it, or gain 70% of the initial capital.

Third , easy access is always provided to any interested investor at any time of the day. That is, there is no need to download and install additional programs, go through levels of control, or somehow confirm your individuality.

All you need to do is go to the official website of the trading platform and you can track the results, place new bets, and analyze the situation. In addition, all trade continues every minute, no breaks on weekends, holidays or at night. Thus, your desire to start making money on your invested money can come true at any second, you just need to find some free time.

AND, fourthly , the trading interface is created in such a way that it will be understandable on an intuitive level even to the most uninitiated beginner. All intermediate price fluctuations of the instrument you have chosen are recorded, giving only the final result for the time you set.

There are 2 main principles here: CALL UP is a buy transaction (profit from rising prices) and PUT DOWN is a sell transaction (income when prices fall). Despite so many advantages described, it is worth understanding that binary options, like any other type of capital investment, may have some disadvantages.

Let's list some of them. So, the only failure you make can take away up to 90% invested capital. And sometimes this can be a very significant amount, and to get it back it takes approximately 3-4 successful transactions.

In addition, it is not permissible here in advance break deals or give them up. Even if you understand the error of your actions, and the worsening prognosis constantly confirms your guesses, you can only hope for a miracle, expecting the final result.

Also, the program itself assumes the absence of loan obligations. That is, you can invest only the free funds you have available. On the one hand, this is even good, because, as a rule, a novice investor enters excitement and is able to spend more than he originally intended.

But, on the other hand, there are some types of transactions or stability of the economic situation, when a positive result can be predicted in advance, and this can lead to significant earnings.

Only at this moment there is very little money in your account. Working with binary options can not only save your investment, but also significantly increase them, you just have to correctly understand the situation and study in more detail the scheme of working with each tool.

Method No. 12. PAMM accounts

This is another way to manage your finances, which allows you to entrust your personal savings to a specialist. We talked in more detail about how to open and select a PAMM account for investing in one of our articles.

Investment method No. 12. Investing in PAMM accounts

It’s worth immediately understanding what the difference is between a mutual fund ( Mutual Fund) And PAMM - account.

If in the first case the manager has full access to your funds and can dispose of them at his own discretion, without incurring liability even in the event of losses, then the second option only requires the presence of a deposit, which can only be handled through coordinated actions.

PAMM account intended for trading, concluding transactions, but only technologically. Moreover, all funds provided for investment in this account can not only be checked at any time, but also the actions of the manager can be stopped at any time.

Main advantages depositing money in this way are:

• Opportunity to earn money significant profits through the skillful actions of a specialist. As you know, such accounts provide access to the most highly profitable investments.
• Minimum investment threshold. Some such accounts may start with an amount of 100 dollars and that is why they become not only attractive, but also accessible to a large circle of people.
• Full control . Thanks to the automated system, the account holder can easily and quickly analyze the activities carried out, and all calculations are performed automatically.
• Easy choice of manager. Throughout all work processes, not only its statistics are published for each PAMM account, but also the history of operations, which makes it possible to easily view the current situation, contact your manager and, if necessary, replace him.
• Portfolio formation. As in the situation with mutual funds, risks are always possible. That is why it is necessary to insure yourself by creating several accounts with different assets.
• Liquidity of operations. At any time, if necessary, you can not only enter your funds, but also withdraw them. The entire operation takes no more than a day, but gives the owner confidence that there is control and even the most complex transactions can be stopped during the period of their implementation.

Method No. 13. Investing in yourself

This is another way to invest money. It is considered very beneficial in the sense that even the smallest knowledge gained by attending courses can become a serious platform for further starting.

In general, this type of investment has 3 main directions.

1. Health

Even if it seems in your own 18 years, you do not have problems in this area, rest assured that they will appear without proper attention. And your condition in adulthood depends on how well you take care of it now.

2. Appearance

This is constant work on yourself. In order to be perceived normally, you need to monitor clean clothes, own scents, skin, nails And hair.

Of course, there is no need to constantly visit expensive salons and spend all your money on procedures, but making appointments when your appearance looks like a fat, greasy cat is also useless.

Try to get involved in sports to have a beautiful figure and a toned stomach, take care of your hairstyle, and especially undyed hair roots, sign up for manicure and pedicure treatments.

Monitor your skin condition in a timely manner and at least purchase the necessary creams to help fight wrinkles, pay attention to your wardrobe. Try to select good quality items for him in a strict business style. Don't forget to wash and iron your things on time.

3. Knowledge

Fulfillment of the first two main points entails further personal growth. Now it is important to read books of various types, gaining something important for yourself.

Make it a habit to read daily at least 50 pages . Sign up for useful courses, trainings, visit presentations (for example, such as “ ”, etc.), try to communicate with new interesting people.

If you have the opportunity to watch a training video, take advantage of it. Plan a trip to another country or city, choose excursions with which you can study history and various types of architecture.

Believe me, there is nothing educational about visiting a beach or a bar. Besides, it’s good to get into museum , theater , movie Download investment methods in document.PDF(980 KB)

There you will find a lot of useful information on the topic of investment.

7 principles of investing to make money 📋

We wrote above about where you can invest money with a guarantee, so we also suggest that you familiarize yourself with the principles of investment.

Basic principles of investing money at a high interest rate with a guarantee of income

Principle 1. Long-term perspective

Imagine a situation in which the market, which has become so familiar to you, simply closed and it was decided to resume its activities only in a few years. Where would the money be invested?

Try to think ahead without resorting to daily quotes, the mood of other investors, or fluctuations in the cost of raw materials and finished products. So, for example, let’s take the purchase of shares in a well-known company “ Coca Cola" Even at the time of its conquest of the market, they cost 40 dollars.

The increase in the price of sugar in those years caused the value of the security to fall to its minimum. A stir was created in which they were sold for almost nothing, but today we understand how profitable these purchases became then. Agree that this is an excellent example of where you can invest money to make money. The shares of another company can offer you such a prospect, buying gold , antiques And even apartments .

Principle 2: Careful examination of the financing instrument

Before you give away even a small amount of your hard-earned savings, try to do an in-depth analysis of the chosen method. Talk to those who are already working in this field, consider their experience. This principle particularly applies to such areas as mutual funds, work on stock markets, PAMM accounts.

Principle 3. Own opinion

It is not enough to just have information, even collected very carefully, it is important to be able to cut off everything unnecessary and look at the prospect in the future.

Try not to succumb to pressure from others, develop your character by determining your outcome and the result of your investments.

Principle 4. Know how to stop

Sometimes it happens that work in one direction ceases to be profitable and there can be many reasons for this.

Consider other options, look for more promising investments, learn to close unnecessary pages.

Principle 5: Take your time

When completing investment transactions in the modern world, we rely mainly on the help of the Internet. It seems and more efficient And faster. But this position is initially incorrect. It's important to understand in subtleties and nuances, determine the outcome of the case and only then make a decision.

After all, the question of where to invest money at a high interest rate with a guarantee requires taking into account all the outcomes of the event (from receiving large losses to receiving a decent income).

Principle 6: Pick winners

It is worth understanding that even against the backdrop of a difficult economic situation in the country, there are companies that give good results and develop very steadily. The investor’s task is to find access to its shares and get them for the success of his business.

Principle 7. Think about tomorrow

This principle of investing is that even if you are very lucky today, you should not stop there, withdrawing all your money to buy expensive things.

Continue your business, look for new sources, tools, methods, collect your portfolio. Only this method of action will lead to a stable positive result.

5. Where to invest money to receive monthly income - 5 useful expert tips 💡

We wrote above where to invest money in order to receive income every month, so we suggest that you also read the advice of experts who have experience in investing.

Since when we earn our money, we try to not only save, but also increase, and in conditions of crisis, lack of stability and a difficult economic situation in the country, a feeling of fear arises, accompanied by a sense of loss.

So, expert advice on where to invest money in order to earn money and not lose it:

Expert tip #1. Try to minimize the risk for part of your investments as much as possible.

Separate from the total amount of capital 30% and give yourself a guarantee that they will invested without loss. In this way, experts believe Bank deposit, purchase of art objects, purchasing gold bars, precious metals And real estate.

The main point of the advice is that no matter what happens next, you will be able to save the starting amount, and, if possible, also earn money from it.

Expert Tip #2: Create a Recurring Passive Income

If this is your principle, pay attention to buying stocks or bonds, and securities in general.

By the way, even buying your own square meters, which you then rent out, will also allow you to receive a monthly income. You can read more in our article - ideas and sources of passive income"

Expert Tip #3: Diversify Your Investment Methods (Diversification)

It is important to understand that keeping all your money in a single project is very ineffective; diversify your investments. That is why, having ensured stability, try to find a profitable area of ​​business or become a co-investor in a business that, in your own opinion, will be very profitable.

Expert tip #4: High-yield investing

For economical And thrifty people, this method of investing capital should become the most extreme, because in essence it is associated with big risks . Your use of mutual funds or PAMM accounts, and even more so binary options, will allow you to instantly receive income and will also put your entire initial capital at risk.

Expert tip #5. Check the information

Before investing your money, you need to carefully and scrupulously study the investment object. Make sure that the expected profitability is correct; perhaps you are being offered to invest in an object with questionable profitability.

6. Where not investing money so as not to burn out - the main mistakes of investing 📛

Despite many warnings and a huge amount of information on the Internet, people who want to invest their own money make a number of mistakes that lead to undesirable results.

The very first and most important The point is that newcomers give away their finances at random, agreeing with the arguments of friends, relatives and even third-party representatives of the World Wide Web. Of course, the probability of receiving income still remains, but it decreases to a minimum.

Second mistake can be called an emotional state. There are often cases when, inspired by the example of a friend, a person tries to imitate his behavior, repeating every step of investing, but without a clear calculation and pre-thought-out prospects, instead of increasing funds, we receive them loss .

Another wrong move is considered a rush. People are in a hurry to choose an investment instrument, as well as in the desire to get the first results. As everyone knows, profits don't grow on trees. That is why it must be expected. Give yourself time to understand the intricacies and subjects, learn to act systematically.

Real examples of investing money for profit - ways to invest from 100-500 thousand rubles to 1,000,000 to earn

7. Where is it better to invest money to make money - real ways + examples of investing a small amount of money to make a profit 💰

Even the smallest earned capital already becomes the object of further thought. It is like a small door that opens the way for you to the world of big investing.

So, let's consider it advantageously, starting from a small amount to 5000 rubles and ending 1 million.

In this material:

Search for profitable deposits

What do you need to know before opening a deposit?

Bank deposits are one of the most popular ways to save and increase your accumulated funds. Frankly, this is not the most profitable investment method - often the interest income is barely enough to cover the cost of inflation. However, this option for preserving valuables is perhaps the most reliable. The main question that worries people who are planning to make a deposit is which bank to invest their money in. Another important point will be the choice of deposit currency, because often the interest on deposits in domestic currency is much higher than on a foreign currency account. It is worth understanding for yourself that if the country’s economy is developing and no recession is expected, a ruble account will be the most profitable solution. But if economists predict a decline and even a recession, foreign currency deposits are guaranteed to save your savings.

Today there are many more profitable instruments for investing money, but bank deposits have always been and will remain the most reliable option to save and increase your funds. For example, PAMM accounts, that is, a method of collective investment, are much more profitable, but the risks of such investments are much higher - you can lose all your money in one transaction. There are also deposits in microfinance organizations, but even here not everything is transparent with insurance of the transaction amount.

How to choose the right bank for investment? Where to invest your savings?

If you need to make a deposit, you must choose a reliable financial institution. To assess the reliability of your future deposit, you can view the ratings of all banks, which are compiled by independent expert agencies. The higher the rating on this list, the more reliable the financial institution. This method of assessing the stability of a bank can be trusted: in the calculations of such experts, a lot of factors are taken into account that affect the stability of a particular banking institution.

Ratings of the largest banks in Russia can be found on our website or on the websites of such agencies as Moody’s Interfax, Standard & Poors, FitchRatings, as well as the domestic company Rus-Rating. Based on such data, it will be easiest for you to decide in which bank to open a deposit. If you do not want to rely on ratings and decide to evaluate the bank’s reliability yourself, then you should definitely pay attention to several factors:

• Size of the bank (number of branches, size of ATM network);
• Form of ownership of the bank (state institution or private bank);
• Ownership of foreign capital (does the bank have foreign resources);
• Participation of the bank in the Deposit Guarantee Fund.

Among the largest banks in the country, it is worth noting Sberbank, Rosselkhozbank and Alfa Bank. All of these financial giants have an extensive network of branches, a wide range of deposits, and also guarantee a return of funds.

For example, the largest state bank, Sberbank, promises 5.85% per annum on deposits in rubles, depending on the term and amount of placement. In foreign currency – up to 0.85% per annum.

But Alfa-Bank offers up to 5.10% per annum in ruble deposits, and up to 0.80% in foreign currency placements. Such interest rates are easily secured by bank income, which means risks are minimized.

GazpromBank can offer placement of your rubles at 8.10% per annum, and foreign currency at 1.00%. We can say that the interest rate is not high, but if you consider that your deposit will be in a reliable and stable financial institution, and you will not have problems receiving your money, then the benefits of this type of investment become obvious.

Rosselkhozbank can boast interest rates of 6.90% when it comes to rubles, and 1.60% when talking about foreign currency investments. Despite the high interest rates, this bank has been a stable and reliable partner of millions of depositors for many years, and easily fulfills all its obligations.

Knowing all this data, you will be able to roughly assess the reliability of your future financial partner, and decide whether it is worth investing your money there. But if you do not have a specialized education, and you do not really understand the financial performance of banks, it is better to trust the ratings. Moreover, in addition to positive ratings, there are so-called ratings of unreliable financial institutions. This includes unstable organizations, as well as those banks that may have problems with profitability in the future.

Using our service, you can select the highest interest rates in Russian banks according to individual parameters:

Top 10 deposits for today

Open a deposit in rubles.

Rate per year 8.50% Deposit period 367 days		Persons No. 3073
Rate per year 8.50% Deposit period 365 days
Rate per year 8.43% Deposit term From 5 years		Persons No. 2209
Rate per year 8.40% Deposit period 367 days		Persons No. 2306
Rate per year 8.30% Deposit term 181 days		Bank Uralsib
Rate per year 8.10% Deposit term 181 days		Persons No. 2304
Rate per year 8.10% Deposit term 181 days
Rate per year 8.00% Deposit period 366 days		Persons No. 2766
Rate per year 8.00% Deposit period 370 days	Confident future AK Bars

What other factors should be considered?

When choosing a bank in which you are going to keep your deposit, you need to take into account a number of other factors. Firstly, the ease of use of a particular financial institution. This includes walking distance to branches, the availability of Internet banking, and the bank’s participation in the international Visa and MasterCard systems. All this will allow you not to experience any difficulties when working with your chosen bank. Secondly, the interest that you are promised on your deposit. Often, the interest rate depends on the currency of the deposit, and also varies greatly depending on the period for which you plan to place your deposit - the longer the validity period, the higher the interest that the bank will pay you. This is logical - the bank received your funds for use for a longer period, which means it will be able to earn more from them. To stimulate the extension of the deposit term, increased interest rates are introduced.

But it’s worth paying attention to this detail: often banks with low liquidity, trying to “patch holes” in their financial statements, try to attract as many deposits as possible. It is for this purpose that deposit interest rates are offered that significantly exceed the market averages. If you are tempted by high returns, you can lose all your savings - most likely such a bank will not cope with the financial burden, and sooner or later it will declare bankruptcy. This is mainly typical for small financial institutions that promise mountains of gold - it is better to avoid them.

To avoid making a mistake when choosing a bank, it is enough to evaluate the interest rates of several of the largest financial institutions. They often have very objective percentages based on the economic situation. Therefore, if the bank of your choice promises interest on a deposit much higher than the market average, think about whether you will get your money back after the deposit expires?

What other options are there for making a bank deposit?

Many of our fellow citizens have formed the opinion that it is much better and more profitable to keep their money in foreign banks. They say that there is stability there, the economy does not fluctuate, which means that a deposit in such a financial institution will consistently generate income. And all this is partly true - for example, Swiss banks are famous for their reliability and individual attitude towards each client. But placing a deposit there is not so easy, especially for an ordinary citizen of another country.

The first thing that often prevents you from opening an account is the minimum deposit amount. Deposits are opened from amounts of 100,000 euros - this is the average. The second important factor will be whether you have a recommendation from an existing, trusted client of this bank. This is an optional condition, but it is better if you have such a recommendation - it will work into your hands. Well, the most important factor due to which money is not often invested in foreign banks is the need to document the origin of your money. You are required to submit all certificates and declarations confirming that the money was received legally, and all taxes and fees have already been paid on it. If all these conditions are met, you will be able to open a deposit in a foreign bank, but be prepared to receive low interest on the deposit, because this is the norm in Europe or America.

To summarize, we can say that a bank deposit is a tool for preserving the money supply rather than increasing it. The interest you will receive at the end of the deposit period will cover inflation and the natural depreciation of money. But in order to make a profit, and somehow make money on your savings, they need to be used in more profitable, but also riskier financial instruments. The choice is yours!

Where to invest money with interest: 12 basic rules to avoid bankruptcy + 5 areas for investment + 6 undesirable options for deposits.

Almost everyone sets the goal of financial independence and well-being in order to meet all their needs, without denying themselves anything. However, not everyone achieves this.

Of course, this requires intelligence and hard work. But such conditions also do not guarantee a comfortable life. Therefore, many get out as best they can.

Some prefer to go the fraudulent or gambling route, others are looking for projects where to invest money with interest.

Indeed, investments can bring good returns. The problem is that all existing options have their own risks and characteristics. And, of course, it is necessary to understand at least the basic principles of money circulation.

Otherwise, you can say goodbye to the money you earned through blood and sweat. To prevent this, we suggest that you familiarize yourself in detail with the various methods, as well as sources of interest, study all the nuances and draw conclusions.

We study standard options for where it is better to invest money at interest

To the question: “Where is it better to invest money at interest?” Economists and experts can answer more informatively. Moreover, each of them also has different opinions.

Therefore, the right decision is to independently analyze all the methods, based on the size of the existing asset, the desired profitability, timing, and the amount of investment risk.

When making forecasts for 2017-2018, analysts report little comforting news regarding investing money at interest and the economic situation in general.

The unstable situation, fluctuations in loan rates in banking institutions, and the fall of the national currency force people who want to have confidence in the future to wonder what will happen in the near future.

Because of this, many people are thinking about investing their money at interest, and relevant organizations provide this opportunity.

But before you understand the sources for investment, learn the basic principles of investing money in order to avoid losing it.

Experts in the field of economics and finance strongly recommend adhering to the following rules, which apply to absolutely everyone:

1. You should only invest your own money. If you do not have good capital and intend to take out a loan, you should know that this is a bad idea. A loan imposes an obligation on you to repay the money, and if you go broke, you will need to pay with your own money, which you will not have.
2. Make a preliminary list of the disadvantages and advantages of each option., where you can invest money to choose the most optimal one.
3. Do not plan to spend money, especially the first money you receive from investments. Accumulative capital is accumulative because it is not spent on entertainment and personal needs.
4. It is better to invest in different projects. If you diversify (distribute) a large amount of money, you minimize the likelihood of complete bankruptcy.

Withdraw interest faster to avoid losing money. Suppose you decide to invest 10 thousand rubles in an investment company at 10% per month. If you leave the money in the project, after 8 months the amount will double.

You will have 20 thousand rubles, half of which will be your net profit. The first deposit has been repulsed and it is advisable to withdraw it, and the 10 thousand rubles left on your balance will bring you passive income in the future.

Demand the provision of results on investment projects. This will protect you from fraud in 90% of cases, because scammers will not be able to fulfill your request.

Organizations that operate transparently and honestly have nothing to hide, so they will have no problem demonstrating their financial performance.

5. Be flexible. The investment market and economy are quite volatile, which forces us to adapt in order not only to save, but also to increase money.
6. It is worth investing your capital in the area in which you understand. Don’t even think about investing in internet startups when you yourself have worked in the rural industry for 5 years.
7. Collect information about the managers of the investment project where they intend to invest money. The success of a project in most cases depends on those in leadership positions. Following this principle will to some extent allow you to make predictions for the future.
8. Research the product or service in which you are going to invest money. The object of investment of capital at interest should be known as much as possible.

Invest some of your money in international companies. Due to the influence of local factors, each industry or individual region is not immune from risks, so a crisis can strike anywhere.

However, international organizations are less exposed to risks and are characterized by increased reliability and stability.

9. Don’t be lazy to carry out calculations and analyze news reports and charts, analyst reports. Of course, this will not give you a 100% guarantee that your money will be invested correctly with interest. However, this will allow you to become an educated investor and achieve greater awareness.

So, it is proposed to invest money at interest in the following sources:

• credit and banking institutions;
• real estate (residential, commercial);
• securities and financial instruments;
• Internet projects;
• and etc.

One of the Western publications conducted a study to find out where different segments of the population prefer to invest their money. It turned out that poor people send money to debt recovery, secured – in enterprises and securities.

Option No. 1. The essence of investing in a deposit account.

Bank deposits are in first place on the scale of popularity of investing money. In essence, the investor gives the bank a loan at 10-15% per annum. The bank, at its discretion, manages this money throughout the entire investment period.

Investing money in credit and banking institutions is associated with low returns. However, the reliability of this option is the deciding factor for most. Therefore, if you don’t know where to safely invest money with interest, a bank deposit is what you need.

If money in the amount of up to 1.4 million rubles is placed on deposit, the investment is insured in case of bankruptcy by the state.

You can get more benefits if you invest in foreign currency. Many people distribute their funds into three deposits: euros, dollars, rubles and invest them in different banking institutions. Interest earnings will vary depending on the amount of investment.

Advantages of investing money in a bank:

• minimal risks,
• low entry threshold (you don’t need to have huge amounts of money to invest it in the bank),
• fixed income,
• guarantee of receiving money even if the license is revoked,
• possibility of early withdrawal of profit (interest on deposit).

Disadvantages of investing money in a bank:

• small interest.

To open, it is important to consider the following aspects: investment period (the optimal solution would be 3-6 months), currency, interest and the bank itself (preferably state-owned).

The most reliable banks for investing money at interest are:

• Sberbank (detailed terms and conditions can be found here: https://data.sberbank.ru/moscow/ru/person/contributions);

  

• VTB 24 ;

  

  

• Rosselkhozbank;

  

• Uralsib;
  
  
  

  

• Alfa Bank ;

  

• Gazprombank.

  

Option No. 2. Is it possible to profitably invest money in real estate at interest?

Another popular option where it is profitable to invest money at interest is real estate. Some people believe that this method allows you to preserve capital, but not accumulate. However, this is a misconception.

If you have a large amount of money and certain knowledge, investing in real estate is an opportunity to receive monthly interest. The maximum profit can be obtained, according to experts, if you invest money in buildings in which it is only planned to pour the foundation.

Premium real estate brings considerable interest. At the time of construction, depending on the location, it can be purchased at a price ranging from 3-10 million rubles. Upon completion of construction work, the cost of housing will soar at least 3 times.

It is profitable to invest money in one-room apartment. After its purchase, the premises are rented out. First, you earn back your investment, and then you receive income.

In this case, you need to purchase an apartment near the metro or in the city center. This will increase the rent significantly. Studying the infrastructure of the area will help make the investment more profitable.

In megacities, capital is often invested in commercial real estate, i.e. non-residential premises for the purpose of renting or resale for a warehouse, office, store, retail space.

To resell real estate, you need to establish its original value based on current market prices. The potential level of profitability shows the economic feasibility of investing money in housing.

For example, renting a one-room apartment can bring you 6% per year. Let's add another 20%, which we get thanks to the general increase in real estate prices (the figure can vary significantly in each individual region of the country).

The sum gives the level of profitability. However, it is worth keeping in mind that it does not take into account factors such as depreciation and overhead costs, insurance, downtime, tax payments and similar costs.

As practice shows, such an investment brings profit only in the long term. If you are waiting for income here and now, it is worth investing in something else.

If you decide to invest money in housing, first consult with experts, since only they can determine the economic downturn when such investment activity is most profitable.

Advantages of investing in real estate:

• a stable prospect of earning income due to the constant rise in housing prices;
• the likelihood of losing money is minimal.

Disadvantages of investing in real estate:

• dependence of profitability on the cost of acquisition;
• the need for a large amount of money to invest in the purchase of square meters;
• low liquidity during urgent sales.

Option #3. Where is it more profitable to invest money at interest, if not in securities?

Financial instruments like securities are another option that exists today, where it is more profitable to invest money at interest. In order for investments in shares to be economically profitable, you must have all the necessary information in this area and feel in it “like a fish in water.”

For this reason, few manage to get good interest on the idea of ​​investing money in securities. Therefore, if you do not feel 100% confident, it is better to turn to qualified traders for help.

How do you make money by investing in securities? By investing money in shares of a company or organization, you become a co-owner of it.

A certain share of the enterprise's profit (dividends) is paid in the form of interest monthly or quarterly, commensurate with the number of shares purchased.

Changes in the price of securities occur in the market every day, accordingly there is a need to know when securities should be held and when to sell.

Advantages of deciding to invest money at interest in stocks:

• the possibility of making a good profit not only on dividends, but also on resale (sometimes at a price several times higher than the initial one);
• outpacing inflation;
• acceptability of investing money in parts.

Disadvantages of investing in financial instruments:

• the need to have extensive experience and skills to use this financial instrument;
• you will receive interest last after distributing it among creditors, suppliers, and employees;
• There are risks of bankruptcy due to the depreciation of shares and the possible economic insolvency of the organization.

At the same time, having 1-5% of shares gives you the right to participate in the board of directors and the right to vote on management decisions. Depending on how successful the year was for the company and your skills, as well as the type of promotion, you can get 50-60% profit per year.

Since the number of domestic private investors in securities is small, there is little competition in the Russian market. To fully invest in stocks, you need an amount equal to or greater than $5,000.

The largest international companies offering to invest money in their shares at interest are:

• MasterCard,
• Coca-Cola,
• Google,
• Adidas,
• Nokia.

Among the Russian companies where you can invest money in buying shares:

• Gazprom,
• Sberbank,
• Yandex,
• Rosneft,
• Lukoil.

It is advisable to invest small amounts of money in bonds with a short-term maturity. Based on the broker's advice, you can buy securities, e.g. Rosselkhozbank or Transaero airlines. The average yield will be 11-14% per annum.

Option 4. Is it worth investing money at interest in Internet projects?

One of the modern options where many people prefer to invest money at interest are websites. More precisely, their development for subsequent monetization.

But for effective investments in Internet web resources, you definitely need to know the methods of how to get money from them in the future and understand the basic principles.

The degree of risk is relative. They can be minimized by correctly assessing the prospects of the object where the money is expected to go at interest.

First, you study the profitability of the niche, thereby choosing the theme of the portal. Then you give money to purchase a website, a domain and pay for hosting, and bear the cost of hiring labor: programmers, webmasters (if the resource is not ready), copywriters and SEO specialists.

The performers will be responsible for filling the Internet project with unique content, its optimization and promotion.

If you invest money at interest in a profitable idea, provided you have the right strategy, you can achieve a profit of 100-200% within a year, and also achieve passive income that does not require your direct participation.

Pros of investing in websites:

• high profitability in a relatively short period of time;
• the need to have a small amount of money to start;
• possibility of scaling the process in the future.

Disadvantages of investing money at interest in Internet projects:

• the need for deep knowledge;
• high risks of non-return on investment.

To receive interest monthly, you need to use different methods of receiving money: CPA affiliates, MFA sites.

What does the decision to invest in CPA affiliates mean? It includes searching for a current and profitable offer (company, advertiser’s offer), and connecting to it.

In simple words: you place an affiliate link on the site and attract users.

If you invest money at interest in MFA sites, you will receive profit from contextual advertising. This method will not bring a lot of income, but there is a significant advantage in placing Google AdSense advertising units.

They are a profitable means of earning money, but only if there is good traffic and a successful choice of topics for your portal. Thus, a medical resource with a daily attendance of 2-3 thousand users will bring in on average 15-20 thousand rubles. per month.

They can also act as assets. This refers to the decision to invest in:

• purchasing popular public pages, communities and groups (for monetization or promotion and further resale);
• creation and popularization of games and applications.

Option #5. Offline business: why is it advisable to invest money in Russian enterprises?

Often, as an option for investing money at interest, experienced analysts and financiers recommend choosing a domestic business, the annual profit from which can be at least 40-80%.

This is the most optimal value, since smaller percentages are not economically beneficial for the investor, while larger ones can lead to loss of money.

If a company consistently makes good profits, this indicates its development and success. This means that you have a guarantee that the organization will not go bankrupt, and you will not lose money.

Examples of where you can profitably invest money in offline business in Russia:

1. Ekaterinburg Feed Mill (https://korma-ekb.ru)

   An acceptable amount to invest in a business is an amount in the range of 50-300 thousand rubles.

   If you invest for a year, you will get 40%, for two – 95%, for three – 150%. Interest is paid upon maturity. There is an early refund if you notify us at least a month in advance.

   Official moments: you arrive at the enterprise and enter into an investment agreement. The agreement is registered in the State Register.

2. Agriculture, livestock farming in general. In this case, you can conclude a contract for 12 months; if necessary, its validity period can be extended. The optimal amounts of money that it is advisable to invest are: from 50,000 to 500,000 rub..

   In this case, interest is paid annually or at the end of the term (50%).

   To invest in agriculture, you will need to conclude an agreement between the investor and the farm. A deposit is provided.

Among the profitable ones we can highlight the following projects for investment in the agricultural sector:

• Peasant farms and Partners ( https://kfh-ff.ru)
• "Earth World" ( https://mirzemli.ru)
• GeoDevelopment ( https://www.geodevelopment.ru)

Advantages of investing money at interest in an offline business:

• impressive profit margin;
• ability to manage the case;
• there are no restrictions on the amount of profitability.

Disadvantages of investing in Russian enterprises:

• lack of guarantees and protection from the state;
• riskiness;
• the influence of market conditions on payback periods and interest rates on deposits.

Where would investing money with interest be a bad decision?

You should see the differences between a disguised scam and a profitable project for investing money.

Investing money at interest is absolutely not profitable and even unsafe in the following organizations:

• mutual funds;
• stock exchanges;
• binary options;
• Forex;
• bookmakers.

The probability of returning money when investing in the above options does not exceed 5%. In 95% of cases you will lose your capital. This is due to the large number of scammers who turn these methods where you would like to invest money into a pyramid.

Only the creators of these scams will receive interest. It would be no less adventurous to invest in online casino. Their owners and managers build their fraudulent schemes on the basis of immoderate human passion.

Interest-bearing investments into precious metals- This is a good option, but its payback will take several years. Therefore, you will receive money from deposits in gold after a few years.

*This is how the price of gold has changed in recent years

You can also invest in art, but every year there are fewer and fewer connoisseurs of antiques and items of cultural and historical reflection. This will make it more difficult to resell the art.

If the risks of losing money on deposits are very high, it is better to wait a little until better times, or give preference to safer investment methods.

Now you have a general idea of ​​the common options, where is the best place to invest money with interest?. The advantages and disadvantages of each method will help you decide.

Where to invest money to receive passive income?

We present to your attention an overview of investment projects:

Be it real sectors of the economy or Internet projects - all methods have their own degree of risk and level of profitability. Be guided by the comparative characteristics and expert advice, make a choice based on them, but be sure to do it yourself. Only you can decide where to invest your earned money at interest.

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