What is online investment and how to make money on investing? How to invest online with low risk? What Internet projects can increase your earnings?

Hello dear friends! Denis Kuderin, an investment specialist, is in touch.

Our new topic is profitable and reliable investments in the Internet. The material will be useful to anyone who wants to make money using the most relevant investment instruments today.

More and more people are investing in promising online projects and multiplying their income many times over without even leaving their homes.

Do you want to join their number? Then - go ahead!

1. Features of investing on the Internet

The Internet is a space of endless possibilities for enterprising, thinking and energetic people. On the Internet, you can not only have fun, communicate and receive information. Here you can earn and earn a lot.

Do you want the World Wide Web to become the source of your financial independence? Then invest your money online in promising investment instruments.

Having made competent investments, you will receive passive income - all reasonable people strive for this type of income. Money can be put into circulation and its quantity increased: as a result of such a maneuver, you will gain financial independence and freedom from hard hired work.

Competent investments in the Internet are:

• earnings that do not depend on labor costs;
• confidence in the future;
• free time for life and implementation of their plans.

Time is the main asset of a person. If you do not have time for yourself, then life is wasted. Do you want to travel, communicate with your family, create, relax, improve yourself?

Then make sure that your income depends as little as possible on the man-hours spent on earnings. If you are not a rich heir, then investing is the most affordable and effective way to create passive income.

The main condition for success is the correct (I would even say academic) approach to the investment process. You can not invest money "at random".

To create passive income tomorrow, you need to actively work today. All financial transactions must be thoughtful, calculated and as safe as possible.

Although the risk remains in any case - such is the specificity of any transactions with money, including bank deposits.

Read more about the mechanisms and principles of investing in the article "".

2. How to start investing on the Internet - 5 requirements for a novice investor

The main goal of a novice investor is to achieve financial freedom with the least material (and moral) losses. Making profitable investments requires some preparation.

The point is not even the availability of a sufficient amount for investment: basic knowledge and skills are needed. The network is full of scammers and scammers who are ready to profit from other people's money. You need to be able to recognize deception and bypass such offers a mile away.

In addition, not all investment areas are suitable for beginners - some of them require certain experience in the financial sector.

And now - the basic requirements for novice investors.

Requirement 1. Availability of Internet access

The first condition for successful financial transactions is the availability of a stable and, if possible, fast Internet. It was possible not to talk about this requirement, but the fate of your money often depends on the quality of communication and its constancy.

In addition to the Internet itself, investors actively use electronic payment systems, as well as any other reliable methods of money transfers on the network. And remember that any unsecured account poses a threat to your finances.

Requirement 2. Basic economic knowledge

Investing without basic economic training is like diving into water without knowing how to swim. You should not invest in the first project that comes across without having studied the basics of competent investment.

Engage in self-education. It will take a little time, but you will understand the principles and mechanisms of profitable investments.

Start with thematic blogs and forums, then move on to reading specialized literature. There are a lot of useful books written in an accessible language that will help you figure out what's what within a week or two.

Requirement 3. Stress resistance

The right mental attitude and stress resistance are essential qualities of a successful investor.

Parting with your money and not worrying about it is extremely difficult for a normal person. But it is necessary that this anxiety does not prevent you from making sober and balanced decisions.

And be prepared for the fact that investments are not momentary profits. You should set yourself up for a long-term wait. Real results will appear only in a few months, or even years. The longer the investment period, the higher the income.

Requirement 4. Readiness for financial losses

Financial risk management is a complex task. Any newcomer can lose some money, this is an inevitable side effect of the investment process.

Remember: luck is not permanent. Even experienced investors face financial losses. The main thing is not to lose your cool in such situations and make any decisions only after a comprehensive analysis.

Requirement 5. Objectivity

This refers to a sober assessment of their capabilities. It is impossible to make a profit in excess of what a particular financial instrument can give.

Determine in advance for yourself the timing and goals of investing, and only after that begin a gradual, measured movement forward.

3. Where to invest online - the most reliable options

Let's move on to practice. I bring to the attention of readers the most reliable directions for investing funds via the Internet.

Some options have been tested in our own practice, others are included in the review based on the recommendations of professional experts.

Option 1. Forex

Everyone has heard the word "Forex", but few understand how this investment tool works.

In a nutshell, Forex is an international currency market (exchange). Anyone who has the time, money and desire can earn on the difference in exchange rates. The potential income from trading is not limited. You can get from 25% to 50% per annum and more.

The safest and most affordable way to work on Forex for neophytes is to use brokers. The most reliable forex brokers Alpari, InstaForex, AlfaForex.

If you want details about this type of passive income, read the article in our magazine "".

Option 2. PAMM accounts

The abbreviation PAMM comes from the English phrase Percent Allocation Management Module, which means “percentage distribution management module”. It sounds complicated, but if you explain it, everything will fall into place.

A PAMM account is a mechanism that allows you to transfer money accounts to trust management for conducting profitable transactions in financial markets. That is, you give your money into the hands of professionals, they are engaged in their multiplication for a certain fee.

One option is to transfer funds for trading on the Forex market mentioned above. Money is also invested in stock markets and other profitable areas. Your task is to correctly choose an intermediary and wait until profits from successful financial transactions begin to “drop” into your accounts.

The best projects that offer hundreds of verified PAMM accounts include the company. Take a look at the site - in the "investment" section provides comprehensive information and a list of accounts for investing money.

Read also on the site a detailed article about.

Option 3. Investing in precious metals through compulsory medical insurance

Gold and other precious metals (silver, platinum, palladium) can also be purchased virtually. An Impersonal Metal Account (OMA) is tax-free and guarantees a reliable income, since the price of precious metals always rises over time.

The essence of such an operation is as follows: the client opens a bank account, which contains a certain amount of gold (or other metal) in cash. The account is opened for a year and extended at your request.

Profitability depends on changes in prices for precious metals in the domestic and international markets. Long-term investments in gold in the form of OMS almost guarantee capital multiplication. Precious metals rarely fall in price.

Example

Over the past 5 years, the cost of 1 g of gold has increased by 25%, silver - by 26%. Characteristically, the economic crisis does not reduce the cost of metals, but vice versa.

Specialists advise investors from Russia to use the services of one of the 2 companies specializing in working with compulsory medical insurance.

is a brand known on the Russian market since 1996. A huge range of investment products, including investments in gold, the best trading and exchange platforms. All customer deposits are insured without fail.

The company has access to Russian and world markets, provides information and analytical support to investors, guarantees complete transparency of financial transactions and provides reports on deposits at any time.

SotsAgroFinance- production and financial organization. The profile of the company is investments in precious metals and the gold mining industry. The firm offers investors deposits with a fixed rate of annual return.

It develops its own highly profitable projects, attracting investors' money to real production industries. A young but promising player in the financial market of the Russian Federation.

Option 4.

The word "HYIP" comes from the English abbreviation HYIP: High Yield Investment Program - a highly profitable investment program. These are projects with a high risk ratio, but promising their investors attractive net profit percentages.

Many consider pure HYIPs to be a scam, but this does not prevent thousands of investors from getting real profits from their investments. The main thing is to choose from hundreds of different projects the most open company with a transparent mechanism for the turnover of funds received.

The life of the HYIP is limited, and the most honest companies directly declare this immediately after they start working on the network.

A few tips for those who want to get rich quickly and for a large amount:

• invest in HYIPs at the initial stage of their existence;
• do not invest all free money in one project, divide it into at least three parts;
• withdraw profit in portions;
• carefully study the principles of the company's work.

Making money on HYIPs is quite realistic, the main thing is to play by certain rules.

Option 5. microloans

Microcredit is a popular financial service used by thousands of people every day. However, MFIs need capital to satisfy the appetites of borrowers, otherwise their income will decline.

Therefore, companies of this type offer everyone who wants to open a deposit and receive interest for using their funds as a current asset. The interest here is higher than in the bank, but the risks are quite high.

Option 6. Online shopping

Today, you can trade anything on the Internet - goods, services, websites, intellectual and information products.

Many owners of online sites do not have enough funds to promote and promote their resource. Such people (or companies) raise funds from investors in order to launch their product and receive trading income from it. The owners pay good interest to their investors.

There is a separate article on the topic on the site.

For clarity, we present the popular financial instruments in the form of a table:

№	Investment Options	Estimated return	Peculiarities
1	Forex	20% to 50%	Basic market knowledge required
2	PAMM accounts	From 20%	You need a smart approach to choosing an account
3	Impersonal metal accounts	Depends on the type of deposit	Reliability, low risks
4		From 15% to 30% and above	Are risky investments
5	microloans	From 15-20% and above	High income in a short time
6	Online shopping	Determined within the framework of an individual contract	What matters is the profile of the company and the current situation on the market

4. 6 main mistakes of a novice Internet investor

We list the main mistakes of novice investors. By knowing how NOT to act, you will reduce the risk of losing capital and save your own nerves along the way.

Mistake 1. Investing large sums in one project

Popular wisdom says - do not put all your eggs in one basket. With regard to investments, this is especially true: the division of savings in several directions reduces financial risks by an order of magnitude.

Mistake 2. Negligent attitude to security

Forgetting about security, beginners risk not only profit, but also the capital itself. Account hacks with a low level of reliability are very common.

In addition, insurance will help protect your deposits, which is often offered to clients by investment companies themselves.

Mistake 3. Greed

Greed in financial matters has never done anyone any good. Do not strive for maximum profit immediately, be patient, reasonable and consistent.

For a novice investor, the main thing is not to get everything at once, but to understand the mechanisms and prospects of investment areas. Experience and knowledge are investments with the highest return on investment.

Mistake 4. Investing in untested projects

Everything is clear here - you cannot invest in a project about which you do not have reliable information.

No matter how attractive the investment conditions may seem to you, you need to spend time checking a partner. Evaluate the level of site security, read online reviews, check licenses and certificates, and only then transfer your money to your accounts.

Mistake 5. Desire to withdraw a large amount at once

Not all projects (this is especially true for HYIPs) are enthusiastic about the withdrawal of large sums of money by clients. It is better to withdraw deposits from the accounts of high-risk companies in installments, at regular intervals.

Mistake 6. Lack of investment strategy

Without a strategic plan, investing is like a roller coaster. The falls are more painful than the rises. A well-thought-out strategy is driving on a flat freeway: minimum risk, maximum reliability.

There are common myths that prevent contributors from starting their projects. Fears and stereotypes prevent a sober view of investing and do not allow a reasonable assessment of personal financial prospects.

Myth 1. Investing is available only to the rich.

Perhaps, 100 years ago, only the owners of solid fortunes could really receive passive income. Nowadays, investing can be done with the most modest savings. You just need to correctly approach the issue of redistribution of funds.

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

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

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

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

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

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

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

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

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

2. 5 golden rules for investing money

Rule 1: Create an airbag

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

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

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

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

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

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

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

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

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

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

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

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

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

Rule 3. Assess the risks in advance

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

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

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

Rule 4. Choose collective investment

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

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

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

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

Rule 5. Generate passive income

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

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

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

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

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

Method 1. Bank deposit

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

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

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

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

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

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

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

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

The minuses (-) include:

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

Method 2. Securities

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

Investing in securities (stocks, bonds)

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

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

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

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

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

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

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

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

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

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

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

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

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

Cons (-) Forex:

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

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

Method 4. Real estate

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

Investments in real estate

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

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

To do this, you can use the following measures:

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

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

Pros (+) of investing in real estate:

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

The disadvantages (-) of this method include:

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

Method 5. Own business

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

Creating your own business

When deciding to open your own business, you must:

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

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

Pros (+) of starting your own business:

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

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

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

Method 6. Precious metals

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

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

There are several options for investing in precious metals:

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

Method 7. Antiques and works of art

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

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

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

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

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

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

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

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

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

Method 8. Franchising

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

Starting a franchise business

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

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

Franchise benefits include:

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

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

Method 9. Binary options

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

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

After a specified period, the result is evaluated.

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

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

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

1. A large number of trading instruments to choose from. Even a novice investor will be able to work with both currency pairs, so with shares, oil And precious metals;
2. The amount of profit, as well as the level of possible loss, are predetermined. Moreover, some trading platforms allow you to independently determine the ratio of profit and loss;
3. The marketplace can be accessed at any time from any device. There is no need to install additional software for this. To start the analysis, it is enough go to the broker's website;
4. Binary options trading is carried out around the clock without days off. Therefore, an investor can earn at any free time;
5. The trading interface is intuitive even for novice investors. In this case, only the final result of the asset value is reflected, intermediate prices are not shown to the user.

There are 2 options for earning on options:

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

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

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

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

Method 10. Internet projects

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

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

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

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

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

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

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

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

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

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

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

1) Tinkoff Bank

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

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

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

• capitalization;
• transfer to a separate card account.

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

2) Sovcombank

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

A credit institution offers customers to open a deposit at interest up to 7.6% per annum . The minimum amount for this is 30 000 rubles.

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

3) UniCredit Bank

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

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

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

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

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

4) Ural Bank for Reconstruction and Development

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

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

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

5) Absolut Bank

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

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

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

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

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

4 current options for investing money today at high interest rates

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

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

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

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

Method 1. Promising startups

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

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

Method 2. Private lending (P2P lending)

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

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

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

Method 3. PAMM accounts

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

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

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

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

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

Method 4. Mutual investment funds (mutual investment funds)

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

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

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

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

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

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

Among the advantages of mutual funds are the following:

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

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

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

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

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

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

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

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

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

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

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

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

8. Answers to frequently asked questions

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

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

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

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

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

The main advantages of this option are:

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

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

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

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

Keeping funds in rubles is not reliable. This is especially true in times of economic instability. The presence in our country of a sufficiently high level of inflation, as well as devaluation, leads to the fact that simple storage of money in rubles becomes quite unprofitable.

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

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

There are several reasons for the depreciation of the ruble:

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

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

Proper investment will help the investor:

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

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

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

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

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

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

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

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

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

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

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

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

Real estate, business.

Bank deposits (deposits)

This is the easiest, most elementary and reliable way to invest. You give yours to the bank under certain percentage. Bankers "scroll" this money by investing in other financial instruments. For which you receive a predetermined percentage of profit.

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

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

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way to invest. In short, mutual funds are a collective financial instrument, when investors' money is invested in one big pot and then professional managers multiply this one big amount of funds by various methods.

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

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

This is the essence of mutual funds, to save people ignorant of these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is easier to transfer this money to those people who have plunged into the topic of investing with their heads and have a lot of experience behind them. At least at the initial stage.

Further, as your experience in financial matters grows, you can start buying stocks, bonds and other investment instruments on your own. More on this later, but for now let's get back to mutual funds.

Compared to other financial instruments, investing in shares is more profitable in the long run, but at the same time very risky.

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

To more clearly understand what profit can be made on shares, watch the video “How to earn 678% profit on Sberbank shares”.

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are not inclined to risk. It is very difficult to get a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, this financial instrument can hardly be called a profitable investment.

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

Imagine that you have invested all your money in stocks, but after a while there was a crisis in the market and their prices fell. Along with this, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

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

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

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

Forex

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

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

In Forex, trading always takes place in currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state does not receive profits, but the country needs to be supported somehow. Since Greece is part of the European Union (EU), everything in this country is sold and bought in euros.

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

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

There are only a few people who have made a fortune in forex. But those who tried to get rich on this and went bankrupt - millions. Draw your own conclusions.

Cumulative life insurance

This way of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program to accumulate, preserve and increase your capital.

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

OFBU

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

There were cases when OFBU showed a yield of 600% per annum. However, the main problem lies in the fact that the activities of OFBUs are not regulated by legislation, which is why they are less subject to control, unlike the same mutual funds.

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

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

hedge funds

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

The minimum entry amount here starts from a few hundred dollars to a million. In the West, hedge funds are very popular.

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

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

Structural (structured) products

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

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

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

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

But again, nothing to compare it to. For example, the most successful investor in the world, Warren Buffett, has been providing his clients with about 24% per annum over the past 35 years. 24% per annum does not seem to be much, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

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

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

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

As soon as the crisis recedes, investors immediately look for more profitable ways to invest. This is the reason for the rise in the price of gold in difficult times. But then, the price of precious metals inevitably falls.

Real estate

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

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

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

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

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profit changes. The riskier the financial instrument, the higher the return it can bring. However, so is the loss.

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

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

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

Building your own business is entirely up to you.

This is where you set the rules by which you will play. Here you decide how much income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word is yours, even if you decide to sell it.

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

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

It was a great test, during which I was able to show many of my talents. Organizational skills, managerial skills, design talents, tested his advertising vision.

Good afternoon, guests and regular readers of the blog about investments on the Internet. As we all know, investing on the Internet is, at the same time, highly profitable and risky earnings. To date, there are a huge number that do not pay investors and are created only to lure money from newcomers. Find reliable investment projects It's hard enough. To facilitate the search and to be sure that the projects are paying, our blog was created. As you could already understand, on our site you will find stable paying and reliable investment sites and also how to make the most of them.

I suggest you familiarize yourself with and. These tips are sure to help you navigate your projects. But if without all the introductions you are interested in a specific list of stable and reliable investment projects, then feel free to scroll below.

Investment projects that pay

In Internet investment projects, there are several stages at which they develop and pay, such as:

① Partisanship ( not present everywhere). You can determine that the project is partisan by design. As a rule, it looks simple, without various chips and images. For example like this:

③ Entry of investors into the project (contributors begin to make contributions to the project).
④ Reduced activity of depositors.

As a rule, the peak of income can be observed during the promotion of the company. And if we talk about high risks, then this is inherent by the time when the activity of depositors decreases, since in terms of the amount of money received, payments exceed deposits.

Successfully paying investment projects

➤ Pay on time;

➤ Use a licensed script;

➤ Protected from DDoS attacks;

The primary goal for an investor is to find reliable investment projects that pay. It is best to invest free money in, which you can learn more about by clicking on the link. By the way, we conducted our own analysis about the life span of HYIPs. The results are reflected in a separate article on.

Last update:  12/27/2019

Good afternoon, dear readers of the financial magazine "site"! Recently, investments on the Internet have become increasingly popular. That's what today's post will be about.

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

• What are the features of investments using the Internet;
• What are the advantages of online investment, as well as what problems beginner investors may face;
• What are the most popular ways to invest on the Internet.

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

This publication will be of particular interest to those who want to make money using modern methods of investing using the Internet. Read about all this and more right now!

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

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

Do you want to earn money from the comfort of your home with only a computer and Internet access? Then promising financial instruments that allow you to invest online are just right for you.

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

Using investments online, you can get:

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

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

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

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

Also, do not think that you will be able to get a lot of money without making any effort. In order for passive income to begin to bring money in the future, you need to make maximum efforts in the present.

Every step in investing should be considered, it is important to invest safely and after careful analysis.

Do not forget that any investment is associated with certain risks. And you need to be mentally prepared for this.

2. Advantages and disadvantages of investing online 📊

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

The advantages of online investment are:

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

Despite significant advantages, investing through the Internet has a significant drawback. It can be described as risk of losing money . In principle, such risks are inherent in all investment products, but they are especially relevant for online investments.

There are several components of this risk:

• inefficient conduct of activities by an investment company;
• investor mistakes;
• bankruptcy of various firms;
• hacker attacks;
• unseen circumstances.

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

The rest of the items refer to non-trading risk . Even experienced and highly competent investors cannot influence it. But don't be afraid. The situations described do not happen very often. The probability that an investor will be overtaken by non-trading risk with Internet investments is no greater than with others.

Thus, there are a number of benefits internet investment. They are quite simple and understandable on an intuitive level.

Flaw such investments have only one - risks. It is important to be aware of them so that you can take all possible steps to prevent them.

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

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

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

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

You also need to remember that there are a lot of scammers who swindle money from gullible investors. It is important to be able to identify them and beware.

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

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

Basic requirements for beginners when investing online

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

No one will dive deep if they can't swim. But a lot of newcomers are trying to invest without understanding economics at all. As a result, instead of tangible profits, huge losses are obtained. That is why you should not invest even in a seemingly very successful project without knowing the basic foundations of successful investments.

At the same time, at all not necessary have a higher economic or financial education. It is quite possible to study the principles, as well as the mechanisms of profitable investment yourself. It won't take too long.

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

Do not be afraid, a huge number of books have been written quite understandable And in plain language . And they are no less useful than most abstruse literature.

With a great desire and due diligence to understand the basics of investing, it is enough to spend about two weeks.

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

You can find a brief overview (content) of the book by watching the video:

Condition 2. Quality Internet access

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

It is important not only to have a stable connection. All payment systems and wallets used in working with money must be financially secure. This will help keep your money safe.

Condition 3. Resilience to stress

To be successful, an investor must necessarily be resilient to high levels of stress. It is equally important to have the right mental attitude.

Any normal person will worry if he has to lose his money. It is important that these experiences do not become an obsessive fear, otherwise they will interfere with a sober assessment of the situation and make an informed decision.

You should tune in to the fact that it is impossible to get a quick profit from investments. It is important to be prepared for the fact that the result will have to wait for a rather long time (especially at the beginning of your investment journey).

The first successes may appear not earlier than in a few months. Moreover, In investing, the rule is: The longer the term of investment, the higher their profitability.

Condition 4. It is important to be objective

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

Investments should be made gradually. Before that, it is important to set specific goals for yourself, as well as determine the timing of their achievement.

Condition 5. The investor must be prepared for financial losses

Any investment is associated with the risk of losing part of the invested funds. Beginners have a much higher level of risk, because they do not have experience in effective risk management.

Investors must understand that it does not happen that absolutely all operations are profitable. Some of them will be unprofitable anyway.

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

If all the above conditions are met at the same time, the probability of making a profit from investments is significantly increased.

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

Proven ways to invest money online

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

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

Currently, there are various investment options. Among them, investments via the Internet are becoming more and more popular. They are of great variety.

Method 1. Forex

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

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

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

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

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

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

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

Without a doubt, to be successful when investing in binary options, you need to make significant efforts and master a fairly large amount of information.

The use of such a financial instrument attracts investors by the fact that in the binary options market you can actively develop, apply and test your own trading strategies. At the same time, even small market fluctuations can bring tangible income.

Method 4. Shares (stock market)

Another way of investing, which undoubtedly deserves attention, is investment in shares. However, even here there is no possibility to exclude certain risks. We wrote about trading in the stock market (securities market) in a separate article "".

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

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

In this case, you can earn in two ways:

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

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

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

The investor should not forget that the income received from working with shares must be taxed. Individuals transfer to the budget 13 % of profit.

Online investment in stocks has both advantages and disadvantages:

• plus speculative transactions with these securities is high level of profit.
• cons a few more. It is the need to pay tax as well extreme market volatility.

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

Method 5. Investing in gold

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

You can invest in gold over the Internet using WebMoney. Since 2007, the function of selling gold has been operating in this electronic money system. This function is implemented through the opening of a WebMoneyGold wallet, on which funds are stored in gold. 995 samples.

The account currency is measured in wmg, the unit of this value is 1 gram of gold. The guarantor of the transaction is WMMetalsFZE, which is located in the UAE. Her website has all the information you need to work with gold accounts.

There are several ways to buy gold in wmg form:

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

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

But it should be borne in mind that the purchase of bars is less profitable than the purchase of electronic gold, since bars are taxed tax. Naturally, additional payments increase investment costs.

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

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

Various precious metals (e.g. gold, platinum and silver) you can buy it virtually if you want. This can be done by using depersonalized metal accounts (OMS) .

CHI- a great way to invest, as this instrument is tax-free. In addition, CHI guarantees a stable reliable income. This is due to the continuous growth of precious metals in the long term.

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

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

Traditionally, CHIs are opened for 12 months . Subsequently, at the request of the client, such an account can be extended.

The profitability of unallocated metal accounts is determined by the change in the cost of metals in the markets within the country and around the world. Taking into account the fact that the price of precious metals decreases very rarely, investing in CHI for the long term practically guarantees an increase in the amount in the account.

1. "Ultima" operates on the Russian market since 1996. This company offers the investor a large number of investment instruments to choose from. Among them are also investment in gold. Features of Ultima lies in the insurance of investments. Investors are offered support with the provision of all necessary information and analytics. Ultima guarantees that all transactions are completely transparent, if desired, the investor can at any time receive a report on the status of their investments.
2. SotsAgroFinance- a company that is engaged not only in financial transactions. But also production. She specializes in investing in precious metals, and gold mining industry. Investors are offered deposits, the profitability of which is fixed. The company raises funds in the real production sector. Despite the fact that the project is still very young, experts consider the company a promising participant in the financial market.

Method 7. Websites

One of the most popular ways to invest money online are investments in Internet projects(websites, online services) followed by monetization. For this it is necessary Create new(See) or buy an existing site . It is important to evaluate the benefits of investing in such a resource, to promote and monetize it.

The level and regularity of the received profit is largely determined by how much effort (and money) is invested in its development. If the site is not engaged, it will very quickly cease to attract an audience, and the profit will dry up.

The disadvantage of using websites as an investment tool is the need to invest in it not only money, but also certain efforts. That is, this tool is more akin to work than passive investment.

Method 8. Startups

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

By the way, in one of the previous articles we told, in simple words.

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

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

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

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

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

1. What form will the investment take? It can be cash, a domain, and other investments.
2. How will the investor receive income?, for example, in the form of a return on investment with interest, or the investor will take a certain share in a startup.

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

Method 9. Online stores

In the modern world, the Internet provides an opportunity to actively trade almost anything. At the same time, it is possible to successfully promote not only various goods and services, but also websites, as well as various intellectual products and information.

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

As a result, in order to implement the project and start receiving income from it, its owners are looking for investors. For the fact that they invest their money in the project, the owners pay fairly high interest to investors.

Method 10. Investing in domains

There are a huge number of sites on the Internet. Therefore, many beautiful domain names have long been taken. Therefore, a new type of income generation has appeared - the purchase and sale of domains.

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

If you managed to acquire a two-letter domain, you can sell it for about 10 000 dollars. The semantic names of sites do cost several tens of thousands of dollars. Stories are known and transactions for exorbitant amounts - near million dollars.

Register a beautiful website name today practically unreal because most of them are already busy. Significant profits can be made if domains are associated with popular events. But it will have to react incredibly quickly.

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

It is almost impossible for a non-specialist to invest in domains. This requires not only a huge amount of time, but also a lot of effort. At the same time, it is important be able to assess the prospects of the acquired domain. If this is not done correctly, situations are possible when investments not only do not bring income, but do not even pay for themselves.

Therefore, investments in domains are most often carried out by professionals. If an ordinary investor decides to use this tool for making money, he must take into account the following rules:

1. Do not invest in exotic country domains. They are quite expensive, but the prospect of their price growth is rather doubtful. Specialists are considering the possibility of their rise in price after good addresses in the zone run out com. But no one can guarantee that a new English-speaking zone will not appear. That is, the purchase of such domains is associated with significant risk.
2. When acquiring, it is best to choose names that carry a semantic load. English words are popular, as well as high-quality transliteration of Russian words, especially if they relate to commercial topics. Two- and three-character combinations, as well as beautiful combinations of letters and numbers, also have value.

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

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

Method 11. Debt online service WebMoney Debt

For investment, you can choose another interesting tool - debt service offered by the e-wallet system WebMoney.

There are several advantages to this option:

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

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

How it works

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

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

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

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

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

Also, with loans in the WebMoney system, an important indicator is the so-called business layer (BL). It allows you to determine for what purposes borrowed funds are used.

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

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

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

Method 12. Issuing money to an online lending service

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

It turns out that in the case under consideration, the borrower is a service online loans . May also borrow funds and resources to currency exchange in the Internet.

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

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

Method 13. Budget machines

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

In budget machines, the wmz electronic currency is used. BA happen closed And public. For investment use public . They are similar to joint-stock companies that sell their shares in the public domain.

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

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

In general, participation in budget slots is a fairly profitable online investment tool. At the same time, the risks lie in the possibility of a fall in the market value of the share, as well as in fluctuations in exchange rates.

Method 14. Private online lending

You can also invest money online through private lending . This can be done both directly and using the exchange of loans offered by the WebMoney electronic money service.

The principle of operation is quite simple. Borrowers place loan applications on the stock exchange. Investors, studying their list, choose those borrowers that suit them best. It should be borne in mind that the best applications are sorted out very quickly. Therefore, investing your money in a short time can be quite difficult.

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

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

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

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

Regardless of how the search for a borrower is carried out, there is a certain risk that the funds issued on credit will not be returned. The so-called risk diversification.

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

Experts do not recommend this way of investing beginners. This is explained quite simply.- lending to a small number of borrowers is accompanied by a high level of riskiness, while income is much lower than desired.

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

Method 15. HYIPs

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

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

Some people think that hype is common scam. However, many investors manage to earn substantial profits from them. To do this, it is enough to choose a project in which the turnover of funds will be as transparent as possible.

It is important to understand that any HYIP has a limited lifespan. Particularly honest companies openly declare this to investors.

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

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

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

Thus, a large number of investment tools can be found on the Internet. All of them have How advantages, and flaws . To make good money, it is important to choose the right tool.

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

For the convenience of choosing an instrument for investing, we summarize their main features in the table.

No. p / p	Investment tool	pros	Minuses
1	Forex	High earning potential	Requires a lot of time and effort to trade
2	PAMM accounts	Money is transferred to the management of a professional trader	The risk of a wrong choice of a trader
3	Binary Options	Easy to understand Potential gains and losses are predetermined	Knowledge is needed to correctly predict the situation
4	Stock	High profit	Market instability Necessity to pay income tax
5	Investment in gold	Precious metal price stability	The price of gold has almost reached its maximum
6	Precious metals in the form of CHI	In the long run, profit is inevitable	Low profitability
7	Web sites	With due diligence, you can get quite a lot of income.	You will have to work continuously, otherwise the profitability of the site will come to naught
8	Startups	If successful, the profit will be huge	High level of risk Significant amount of investment
9	Online store	High yield	Difficult to find a promising project
10	Investments in domains	Substantial profit	Almost impossible to buy a domain in the primary market High riskiness
11	Debt service WebMoney	High yield	The borrower may not use the credit line immediately Risk of default
12	Issuance of money through services	Quality passive income	High riskiness
13	Budget machines	High profitability	The risk of a fall in the value of shares and a fall in exchange rates
14	Private online lending	High yield	Large investment required High risk
15	Hype	High yield	Huge level of risk Akin to a pyramid scheme

5. TOP 7 golden rules of online investing 💎

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

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

So, what rules should be remembered and observed?

Basic rules for online investing

Rule 1. Don't invest in funds that don't belong to you.

You should never invest money that you have borrowed. If any mistake occurs when choosing an instrument, you will not only lose money, but you will also have to return the funds to the lender. Therefore, for those who have no money, it is best wait and collect required for investment.

Rule 2. You should not invest the last money

You cannot invest all the money you have available. It is important to remember that investments are always associated with tangible risks of losing funds. Therefore, the investor must always have a certain financial reserve, the so-called airbag .

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

Rule 3. Develop an investment plan

An investor is unlikely to be successful if Not develop an investment strategy. Moreover, the lack of a pre-designed strategy leads to the fact that investments cannot be called full-fledged investments.

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

You can not change the plan at the time of investment based only on emotions and momentary desire.

Rule 4. Continually increase the amount of invested funds

All investment instruments involve investing money in order to make a profit. Naturally, the level of income depends on the amount invested. Therefore, you can increase income only regularly increasing invested capital.

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

Investors constantly argue about how much to increase their capital each month. Like all other parameters, the amount of increase should be set purely individually. Somebody believes that in order to achieve financial independence as soon as possible, all available funds should be invested. Other It's hard to save even a small amount.