Some still don't know where is it profitable to invest money and how to make a profit from investments!

What you need to know about investments?

Where is the best place to invest money?

What should you know about where to invest your money profitably?

Investing money is always a risk.

Even the most reliable banks can fail, and getting your funds back can be difficult.

It is not possible to avoid this 100%, but you can choose the most reliable place and make sure that even if the organization collapses, you will get back what you invested.

What a person investing for the first time needs to consider:

You should not invest all your savings in one place.

The investment must be documented.

This is a mandatory measure that will allow you to get your money back in unforeseen circumstances.

Pay attention to deadlines.

If you wish to receive your funds earlier than the period specified in the contract, you may lose the accumulated interest.

Consult with friends and relatives, find out where is it profitable to invest money.

10 ideas where it is better to invest money

When investing money, you should consider several options and choose the best one that suits you.

The best ideas where you can invest your money:

Suitable as an additional way to save and increase funds.

Few people know what mutual funds are and are afraid to invest their money in them, but in vain.

Income from mutual funds is average, but stable.

In a year or two you can get about 40% of the initial amount.

Real estate.

Investing in real estate is the best option.

Real estate prices can rise and fall, but they always rise in the end, and selling an apartment at such a moment brings a big profit.

It is also possible to rent an office.

Owning your own business is a great way to invest, save and increase money.

In order not to lose money, you need to draw up a clear, as detailed plan as possible, weigh all the pros and cons and choose the business that suits your liking.

Shares and securities.


Over a long period of time - about 5 years, the invested money grows many times, however, in order not to lose funds, you must have some experience in trading securities and have at least minimal financial knowledge.

In order not to get burned, you should choose a manager who will do everything necessary.

Metals: gold, silver.

To purchase bars and coins, you need to contact Sberbank of Russia.

You can also purchase gold-backed securities by visiting stock exchanges.

The investment is highly effective, but it should be borne in mind that when selling gold bars subsequently, you will have to pay a tax of 13%.

Own website.

The investment in creating a website is not too high and is completely worth it.

One well-promoted site can bring in up to 40,000 rubles every month, depending on the amount of advertising placed.

Venture fund.

Venture funds today are considered a worthy alternative to other financial instruments.

The investment is worth it, but you need to wait a few years to see a profit.

Own development.

A person who wants to increase his capital and earn big money should never forget about his own development.

Investments in this case are made in education, appearance, knowledge of the world - travel, seminars and trainings.

A multifaceted educated person will always find his place in the world.

Art.

By purchasing and selling art objects: paintings, first editions of books, antiques, you can earn a lot of money.

But to do this, you need to understand the value of things, be able to separate the wheat from the chaff, or resort to the services of a specialist.

When deciding whether where is the best place to invest money?, you need to calculate all the possible developments of events.

In order not to lose all your investments at once, in the event of negative developments, it is recommended to invest money in several different directions.

The question of where to invest money most profitably worries, as a rule, those who are unfamiliar or poorly acquainted with the principles of increasing profits and investment methods.

Advice for those wishing to invest their money:

1. It is necessary to think about saving and increasing funds in those periods when everything is in order with finances, and the payment of a large debt is not hanging on your nose. Panic sometimes forces you to take the wrong actions.
2. Within six months, you should accumulate an amount that will be deposited in the bank at interest. The larger the amount, the more you will ultimately be able to withdraw from the account.
3. Always strive for financial freedom. Do not reassure yourself that today everything is fine and nothing more is needed.
4. If you have children, think about their future right now. You can open a savings account in the child’s name and put money into it until they reach adulthood.
5. Create a new source of additional income every three to four months.
6. The most effective ways to invest remain the same from year to year. These are real estate, investments in precious metals, and stock markets.
7. Gold is most liquid in bullion rather than as numbers in a brokerage account. It is best to invest in gold indices on the stock markets.
8. You should only use the stock market as a means of investing and growing your capital if you are confident in your financial knowledge and abilities.
9. It is best to think about securing your future at the age of 20-30. However, due to inexperience, you should seek the help of specialists so as not to lose your investment.

Investments without losses: where is it better to invest money?

By following the basic rules compiled by investment specialists, you can achieve a multiple increase in capital and reduce risk.

Main rules of investing:

Reinvestment.

The funds received through investment should not be spent immediately.

They need to be invested in other projects, leaving a certain percentage of the profit for necessary expenses.

Don't invest your last money.

If you invest everything you have in your wallet, you may be left without any means of subsistence.

The main rule of successful investment is to act wisely, and investing all your last funds is a crazy act.

Care when concluding transactions.

Read all documents, request a contract and consult with specialists.

Investing money “in different baskets”.

One project will bring money earlier, another much later.

To always make a profit, you need to calculate the funds and distribute them across different baskets - deep and lower.

Where is the best place to invest small amounts of money during a crisis?

you will learn from the video:

Where is it profitable to invest money - features of investing in real estate

Real estate transactions are more popular today than investments in mutual funds and funds.

Many people purchase housing at the stage of its development at a minimum price, and subsequently resell it, receiving a good percentage.

However, there are several pitfalls in this matter and the risk of running into an unscrupulous developer.

To get the most out of your real estate investment, you should buy one- and two-room apartments, but not three-room apartments, as they are less affordable.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are best left to local residents.

Selling an apartment in the capital will be very difficult.

To find a buyer faster, you should make cosmetic repairs in a new building.

There are many answers to the question where is the best place to invest money?, but everyone chooses the correct answer for themselves, in accordance with their capabilities.

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Content

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

What is investing money

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

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

What amounts can you start with?

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

How to invest money correctly

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

Business plan

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

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

Free money

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

Regular profitability

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

Reinvestment of profits

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

Where to invest money to make it work

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

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

Bank deposits

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

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

Playing on the stock exchange and Forex

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

Investments in mutual funds

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

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

Investing in real estate

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

Own business

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

Where to invest money at high interest rates

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

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

Profitable investments in Internet projects

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

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

What is profitable to invest money in Russia

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

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

Large amounts

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

What to invest small money in

A novice investor can get real profit from depository accounts. Commercial institutions willingly accept deposits from 10,000 rubles. State insurance guarantees the protection of depository accounts from bankruptcy. You can invest money in website development. It is almost impossible to lose invested funds, because... The intelligent product is developed to meet individual customer requirements.

Video

Found an error in the text? Select it, press Ctrl + Enter and we will fix everything! 27.03.2018 76755 0

Hello! In this article we will tell you where to invest your money.

Today you will learn:

1. Basic principles of smart investing;
2. What is the most important object of investment;
3. And where to invest any amount of money in 2018.

Investment principles

The main principle on which the entire modern prosperous society is based is that money should make money. And this does not mean that the main goal in life is the endless pursuit of money. If we translate this principle into a more accessible language, it will sound something like this - free funds should always work and bring additional, passive income.

People who earn huge amounts of money with their initial capital are called investors. The main thing is not to confuse investors with professional speculators - people who make many short-term transactions in order to make a profit. The investor counts on long-term results - by investing his money, he expects to receive income over a period of several months to tens of years.

Professional investors are a special category of people who make money through the successful projects of other businessmen. On the one hand, it’s quite simple - invest your free funds, do nothing and make a profit. But if you dig deeper, even at the stage of choosing an investment object, significant difficulties arise. And after that, monitoring the project, it is necessary to ensure that it develops in the right direction, continues to function successfully and generate profit.

That is why, if you want to successfully invest money, make a profit in a timely manner and work wisely with risks, your task is to follow simple principles.

Principle 1. Diversification of risks. This condition comes first because it is basic. Without it, absolutely any investment will be unprofitable, regardless of the experience, intuition, finances and capabilities of the investor. Diversifying assets means dividing funds between several objects.

Investments are inherently associated with risk. One of the main principles follows from this - the higher the risks, the higher the profitability. These two parameters are directly dependent. At the same time, a person must understand that his investment portfolio should always contain low-risk assets that are guaranteed to bring a small income, regardless of the financial situation on the market, and risky assets that will bring a very high income under favorable conditions.

Principle 2. Only available funds can be invested. This principle is based on banal logic. You cannot withdraw funds that a person needs personally for investment needs. For example, it would be completely illogical to ignore the demands of creditors and purchase a certain investment object with the amount of debt.

That is why only those funds should be used, the loss of which will not be sufficiently noticeable, and which can then be earned within 1-3 months. Otherwise, it is better to refrain from investment activities until you have fully resolved your financial situation.

Principle 3: Investments should always make a profit. Last but not least important principle. It is also banal to the point of simplicity, but many people forget about this. If investments do not bring profit, then they are unprofitable, and therefore, very soon you will be ruined.

That is why, often, profit should come first and sometimes should significantly crowd out risks, despite the fact that in most cases it will be more important to RECEIVE money, rather than HAVE THE OPPORTUNITY to receive it.

These three simple principles are quite banal, but even some experienced investors manage not to use them. For all its simplicity, the third of them is still the most violated. Some professional investors spend their time, money and other resources on unprofitable projects, saying that they will sooner or later start making money. But the main principle of investing is that the project should bring in money, regardless of what it is aimed at (with the exception of charity).

If you remember these three simple principles, then your investment activities will be successful and bring high and stable income.

Where to invest less than 10 thousand rubles

Private lending

Private lending is one of the alternatives to a bank loan. Both individuals and legal entities can also act as debtors, only ordinary people who have free finances act as creditors. The good thing about private lending is that interest rates often vary depending on the risks and systems in which the loans are made.

Most payment systems have their own platforms where users make short-term loans for each other at higher interest rates. Often they even exceed the interest on loans from microfinance organizations - from 10 to 100% daily. At the same time, lending through payment systems is quite strongly associated with the risks of non-repayment of funds: according to statistics, about 60% of loans on the Internet are not repaid.

An alternative to payment systems with their increased risks and huge interest rates are special platforms for making private loans. Their work is carried out as follows: the user deposits funds into the system, it automatically selects reliable borrowers, selects the optimal interest rate and issues a loan.

After this, in case of repayment, the system returns the funds + interest minus its own commission. Risks of non-return are also present here, but to a lesser extent. Consequently, interest rates on loans fluctuate from 30 to 100% per annum.

And the last option is credit cooperatives. In Russia, this type of lending is not sufficiently developed, but it still exists. There is no need to talk much about it - just know that this is a unique type of investment, when many people accumulate money in order to lend to one borrower.

Forex

Forex would never have appeared on this list if it weren't for . But according to statistics, only 20% of traders actually earn money, and the remaining 80 only bring money to their broker.

In order to start playing Forex, you will need to devote a lot of time to developing the psychological qualities of a real trader. Despite the fact that at first glance the charts move chaotically, the ability to understand them comes after 2-3 days of studying technical analysis. And it takes an average of 2-3 trader accounts to develop psychological stability, one’s own view of the market and the style of play.

Of course, you can invest more than 10 thousand rubles in Forex, but due to the huge number of risks, this is highly not recommended. Unlike stock investments, which are associated only with the financial risks of the assets in which you invest, many incidents can still happen in Forex, including the bankruptcy of the broker.

Small business resale of goods

Now it has become fashionable to create one-page websites, advertise some product on them and sell it, increasing the price by 200-300%. For this we can thank the guys from Business Youth, who explain to everyone why they should spend 200-300 thousand to learn how to trade goods for 2-3 thousand rubles.

But despite the fact that many people rushed into this, as it seems to them, profitable business, the niche has not yet been truly occupied. There are not a huge number of advertisers who know how to attract clients with minimal investment, there is not a huge number of businessmen who can create a competent sales funnel and guide the client through the landing page so as not to leave him even a single chance of refusal.

That’s why, if you have 5-10 thousand rubles and a desire to understand websites and advertising, you can start a business reselling goods through one-page websites. If working with landing pages is too difficult for you, then you can choose a simpler option for selling goods - groups on social networks and message boards, like Avito.

Hype

Well, where would we be without hype? A very controversial type of investment, which nevertheless is one of the main sources of income for a certain group of very risky “investors”. The essence of HYIPs is this: a small financial pyramid is created that promises fabulous interest on your deposits. This can be argued in any way, including “buying stocks, bonds” or something else.

Money for interest comes from new revenues and a “vicious circle” is created from which there is only one way out - the fictitious bankruptcy of the hype after a certain period of time. It would seem like an ordinary pyramid on which it is impossible to make money. But it is not so. HYIP diligently pays interest the first time. Depending on the scale - from 1 month to 1 year. This is why some people recognize HYIPs, invest in them, and after a short period of time withdraw their funds with interest. This is roughly how the scheme works - those who managed to make money, those who did not have time to lose money.

As you can see, all but the third method are quite risky types of investments. But that’s why they bring in big profits. If you have available funds - no more than 10 thousand rubles, the loss of which will not hit your pocket too much, then these investments are for you.

Where to invest an amount from 10 to 50 thousand rubles

Here we have collected for you 7 current ways in which you can make money with from 10 to 50 thousand rubles. Any amount from this range is suitable for each of them. The methods differ in that they have an average profitability and, in most cases, a short payback period.

Stock game

In first place, of course, is the game on the stock exchange. Having a small amount of money, from 300 to 1000 dollars, you can open an investment account with any broker and begin to learn the basics of trading.

The peculiarity of playing on the stock exchange is that for the first time (from 2 months to 2 years) your task will be to achieve zero profitability. That is, you will have to overcome the commission of the broker, trading and settlement system with the profitability of all completed transactions. Reaching this minimum level is one of the main stages of any trader.

Then there must be the next stage - minimum profitability. It is measured by the inflation rate, or the average level of bank deposits (which in Russia is often much less than the real inflation rate). In general, it will take a trader from 1 to 3 years to reach an acceptable level of income. But after this, you will be able to actively trade on the stock exchange and, thanks to this, receive a stable income.

Bank deposit

Simple and low-income. Investing money in a bank is a great way to cover inflation, or to go almost on par with it. Bank deposits are not suitable for anything else.

A little advice on choosing a bank for a deposit: do not look at the top market players, like Sberbank, VTB, Rosselkhozbank and others. They can dictate their terms to clients, which is why interest on deposits is always lower than in other, medium-sized banks, which must increase their rates in order to attract resources.

The optimal period for which bank deposits are made: 1 - 2 years. It no longer makes sense, since no one knows what will happen in the country, what economic crisis will come this time, and a shorter period reduces profitability. The only thing to remember is that if possible, do not withdraw funds ahead of schedule. Then, in most cases, your accumulated interest will simply burn out. If you urgently need money, it is better to take a loan and provide a bank deposit as collateral.

Mutual investment fund

Mutual funds in Russia, as well as the investment culture in general, are very poorly developed. But despite this, several leading banks - Alfa Bank, VTB, Otkritie and Tinkoff have several mutual funds that really deserve attention.

What are mutual funds: these are unique trust funds, only with a different legal component of transactions. If in trust management funds you transfer money to the manager, and he uses it to buy profitable financial assets, then in the case of mutual funds everything is structured as follows:

• you buy a share in the fund - a unit;
• the investment fund adds the money for the share to its own funds;
• carries out transactions with securities at the expense of all funds;
• distributes profits according to shares.

This scheme is most similar to - when income is distributed according to shares, but funds are not transferred directly to the company - there is a kind of exchange of funds and shares in the company. Mutual funds are good because they provide a return higher than that of a bank deposit, but at the same time their risks are relatively the same.

Buying a site

The most profitable investment method of all those presented on this list. A website is a platform for earning money, capital for resale and the opportunity to promote your own goods and services.

There are two ways to make money by purchasing websites: selling advertising and reselling the website. Each of the methods is good in its own way. For 50 thousand rubles you can buy a site that brings its owner from 5 to 15 thousand rubles a month, depending on how competently the owner assessed it. And after time has passed for self-sufficiency, you will be able to receive net profit with almost no effort.

Reselling websites is a more complex process that requires certain skills in evaluating and selling Internet resources. In order to engage in resale, it is recommended to create a website yourself, and only after the entire path has been completed can you begin resale as a full-fledged business.

Precious metals

When we say “investing in precious metals,” we most often mean investing in gold. This is one of the most sought-after metals on today's market, its price is steadily growing over the long term, and during periods of global crises it simply skyrockets.

A little about why this metal is so valued. Gold in investment terms is very attractive because any state, regardless of what economic state it is in, is interested in attracting gold reserves. That is why, when prices begin to fall all over the world, there is only one thing left to do - to seek salvation in the “safe haven” of investing in gold.

It's easy to invest in it. It is enough to open an impersonal metal account in any bank that provides these services, and you will already have on hand a sum of money equivalent to the amount of gold that you purchased. But you shouldn’t expect that it will immediately go up and that money will flow into your bank account. For gold to generate significant income, 5-10 years must pass.

Cryptocurrency

Cryptocurrency is now one of the subjects of heated debate among investors and economic experts from around the world. Some say that this is not a currency, because... it is not backed by anything and will disappear over time (we would like to know what, for example, the dollar is backed by), others, on the contrary, argue that due to the demand for it and the limited quantity, it will become more and more valuable until it is replaced by new ones types of money.

Cryptocurrency is, at its core, computer code. It does not have physical weight, security or a clear, fixed course. But this does not prevent it from being wildly popular among people who want to keep their payments anonymous.

There are several types of cryptocurrencies, but the largest currency is Bitcoin. Now it costs about 1 thousand dollars, although some 5-6 years ago a person bought pizza for 10,000 bitcoins.

You can use cryptocurrency as an investment object only in two cases: when you intend to make money on speculation and if you really believe in the growth prospects of cryptocurrency.

Where to invest an amount from 50 to 500 thousand rubles

Here we have prepared for you larger investment methods that require a large amount of capital.

Investing in stocks and bonds

Investing in securities is a popular procedure for accumulating funds in Europe and America, which almost completely replaces bank deposits. According to statistics, about 50% of American families keep their savings in securities.

Investments compare favorably with trading in securities. If you have an amount of 100-200 thousand rubles, any broker will be able to not only provide access to the securities market, but will also help with advice on where to invest.

There are two investment options: aggressive and passive. With an aggressive style, you will invest money in the securities of promising companies; with a passive style, you will only need to pour money into the securities of well-known companies, benefiting from the difference in price and dividends.

If you need a method of investment that requires minimal participation in the process, periodically checking and insuring yourself against large losses, while having a return of 2-2.5 times more than bank deposits, then investing in securities is the best option.

Trust capital management

Trusted capital management is a relatively new service that is offered by companies of various calibers. Starting from banks and ending with special centers, firms provide asset management services to individuals and legal entities.

Trusted capital management is as follows: each company has an area of ​​activity in which it has achieved success and can earn decent money. For the most part, this area is trading in the stock market. And in order to increase investment volumes and reduce risks, such companies attract additional capital, which they invest in profitable assets, taking a margin for their services.

Trust management is best left to specialists in the banking or related financial sector. You should never put your money in the hands of private entrepreneurs or traders. Most often, these are insufficiently professional stock market participants who cannot earn money themselves and are trying to get investor funds.

Own business

Everything here is simple and clear, but at the same time complex and confusing. Starting your own business is one of the best (if not the best) way to invest money.

Opening your own business now is not an easy task. You need an original idea, capital, investors, and, preferably, also a team of like-minded people who will follow one idea.

It is important to know that statistics do not lie: only 20% of businessmen continue to work with their projects. But at the same time, it does not take into account the many companies that were sold to large giants like Google, Microsoft and Yandex for huge amounts of money. And therefore, it is important to understand that those businessmen who are left behind are not victims of the system. They are victims of their own mistakes, laziness and lack of hard work.

Buying currency

The conversation about currency speculation has not subsided since the times of the USSR. But then the currency was in short supply and therefore was in quite high demand. Now there is freedom in market relations, so the currency costs as much as it should. That is why investing in currency is now a rather controversial way of investing.

Investments in currency make sense when a global crisis begins, or an internal crisis in one of the countries. Then the quotes of one of the currencies drop sharply (in most cases deservedly), but literally after a year or a year and a half they are restored to their usual volumes. Some notable recent examples: Russian ruble, euro and pound sterling - due to various macroeconomic events (sanctions, Trump appointment and exit from the EU)

What currencies can you still invest in:

• currencies of Arab countries backed by gold (they are resistant to inflation and therefore will stably maintain their high exchange rate despite all global fluctuations);
• currencies of developing countries of the 3rd world (they are steadily increasing their exchange rate, are in average demand and can easily be exchanged for the currency of your country at any time without loss);
• cryptocurrency (with all the latest surges in cryptocurrency and hundreds of rumors around it, it is becoming an interesting object for investment and speculation. During the period from the beginning of June 2017 to the middle of it, Bitcoin broke through the price indicator of 3 thousand dollars several times, and so many once fell back to 2.5 thousand. Nevertheless, the entire 2017, starting in the spring, passed under the banner of virtual currencies)

In general, investing in foreign currency is suitable for those who like active investing - keeping track of their money, making important decisions not just once every few months, but every day. At the same time, smart investments in currency can make you a millionaire in one crisis.

Investing in developing your own applications

Own apps are a startup that up to 50% of all global entrepreneurs are passionate about. Most of them create their projects while at their main job, but then the latter becomes uninteresting to them.

If you have money to develop and promote the application (the costs will be approximately 20 to 80 in favor of advertising), then you can safely occupy this niche, which is just beginning to gain momentum. Developing your application can go in two ways: manually or with the help of hired freelancers. The first method will take a lot of time and effort not only to create an idea and bring it to the desired result, but also to develop it, while the second will require average financial costs.

Development of a simple mobile application can cost $500-1000. A large online project will cost more. In general, developing and promoting an application can cost 100-300 thousand rubles. Such investments pay off, depending on the project, in 3-6 months.

Where to invest more than 500 thousand rubles

Here we will talk about investments from 500 thousand to several million. If you have money more than 3-4 million, then you should know where to invest it in order to make a profit.

Real Estate Investments

For some reason, in our country, investments in real estate, despite their absolute unprofitability and illiquidity, still remain quite attractive. This is quite strange for two reasons: interest income from real estate exceeds the minimum (bank deposit) by 3-4% per annum; and the liquidity of investment objects is somewhere around zero. But despite this, most people who have funds of 1 million rubles or more still continue to spend their money on real estate.

The good thing about real estate is that it is stable. But it is stable in the worst sense of the word. Even gold is growing more dynamically than real estate prices in Russia. For the most part, in some areas, prices for apartments, houses and other similar property have gone negative over the past 2-5 years.

The situation in large cities is a little better - there real estate costs are consistently high, while refusing to rise. The exception will be the ever-expanding Moscow region, but even there it is difficult to guess which district will be in the black and which will be in the red.

In general, investing in Russian real estate is suitable only for those who want a stable average income while spending a lot of money. The payback on such investments will be from 5 to 10 years. For those who really want to earn a consistently high income through real estate, it is recommended to take a closer look at houses and apartments in Eastern and Western Europe. In them, real estate is becoming more expensive much faster than in our countries, due to the constant flow of emigrants from other, less developed countries. In Russia there are other, more interesting and profitable alternatives.

Purchasing an existing business

Buying a ready-made business is an excellent option for investing 1-3 million rubles. It became popular in Europe back in the late 90s. Then entrepreneurs who urgently needed a lot of money for a new project, or simply those who were tired of business, sold it to other, more interested parties.

In order to understand whether a project is really profitable, it is enough to be in a team (or work if it is a small business). Then you will be able to see whether there really are clients, whether the business really brings in the declared income, dive a little into the process and understand whether this business is worth buying at all.

Having bought a business, you will not need to think about how to launch it, how to fight competitors and set up production with minimal costs. They will already do this for you, explain how everything works, and all you have to do is control all business processes and make a profit. This option is more suitable for experienced entrepreneurs.

Franchise business

As opposed to buying a ready-made business, you can choose a franchise business. Franchise is the exclusive right to use a trademark. In essence, this is doing business under a well-known brand.

Franchise advantage:

• simplicity;
• convenience;
• stability;
• profit.

Working with global companies, you will be able to use their successful experience in order to fully develop in a new direction. And you will also have a full-fledged development strategy that takes into account absolutely everything, even down to the specifics of the population in your city. True, this awaits you only if you choose the right partner to start a business.

Most often, franchises are provided by companies in the fast food and restaurant business. The most prominent representative is McDonald's.

To open a franchise business, you will need from 300 thousand to several million rubles. This amount will include the cost of the franchise itself, the cost of starting a business, as well as monthly contributions from profits.

Investments in startups

Investing in startups is now one of the most profitable types of income in Europe and America. Since there is a strong investment culture there, most budding entrepreneurs put their ideas out there for everyone to see and thus seek out potential investors.

Investing in startups is risky, but also extremely rewarding. Many young people are in a hurry to realize their ideas and require large investments in their projects. But some of them do not yet know the basics of business and do not understand how to work correctly in order to get money. This is why investing in startups is associated with great risks.

A little advice. In Russia, there is no startup culture as such yet. Therefore, if you decide to invest your money, then you should choose a good foreign project. Of course, you don’t know many of the specifics of the business, and there are chances that the idea you invest in will fail, but nevertheless, it is much less risky than Russian startups.

But despite the fact that this method of earning money is quite risky, professional investors earn huge amounts of money. The best business angels (those who invest money in start-up projects) have earned millions of dollars by investing only a few tens of thousands.

Unique pieces of art

And finally, the most controversial, but certainly interesting way to invest money is unique pieces of art.

It is impossible to talk about this method of earning money for a long time - it is quite simple. You can buy a painting, figurine or any other work of a famous figure that you like for decent money, and then resell it to collectors for several times more.

Main investment object

Above we presented almost all working investment methods that can bring good profits. But you yourself should remain the main object of investment. Getting a good education, the necessary knowledge, developing your talents and gaining much-needed skills is what is really important.

Your first investment of time and money should go towards building yourself. If you are interested in investing as a way to earn money, then you need to devote a lot of time to obtain the necessary knowledge, as well as the skills that are so necessary for investors:

• stress resistance;
• "Living" mind;
• patience.

When working in any field, you have to spend some amount of effort learning new things about it, no matter how senior you are.

That is why every time you think about where to invest this or that amount of money, think about whether you can invest it in yourself.

Now onto more practical investing tips. They will help you invest your funds correctly, minimize risks and “fix” profits on time.

Tip 1: Separate your assets

The simplest rule, which is often forgotten by many investors, when they get a really profitable offer. Divide your investments on several fronts. This way you reduce the risk of one-time capital losses to a minimum.

Separating assets is beneficial because they begin to balance each other out. A striking example is investing in securities. Most investors have a ratio of risky securities to reliable securities in their investment portfolios of approximately 30/70. When risky ones go to “+”, they bring tangible profits, about 2 times more than reliable ones. But when risky ones fall in price, reliable ones compensate for their drawdown, bringing the investment portfolio to zero or a slight minus. The same should apply to other types of investments.

For example, when buying a ready-made business, leave some money in the bank or invest it in income-generating securities. Then you will be able to at least partially compensate for losses if the business begins to make losses.

Tip 2. Balance risks and returns.

Analysis of risks and returns, as well as their comparison, is the main task of the investor. The main rule of the financial market is that risks and returns are directly proportional to each other. This means that when one goes up, so does the other.

But the market is not always “right.” Sometimes he can overestimate something, in the wake of a general positive attitude towards an idea, or, conversely, underestimate it. Then situations arise when, at first glance, a reliable and low-yielding instrument is actually very risky. A striking recent example is the situation with bank deposits and revocation of licenses of credit institutions.

That is why always try to analyze how risky an idea is and how much profit it can bring. Always compare these two important indicators with each other, and when you see that the risks exceed the income, then feel free to refuse further actions. But if the profit significantly exceeds the risks, it’s worth considering whether everything is really that simple.

Tip 3. Try to get as much information as possible about the area of ​​your investment.

Of course, you don't have to know absolutely everything about where you're investing your money. But you should have at least a superficial knowledge of the investment object. If you want to invest in gold, look at why it is so valuable. If you want to buy an apartment and rent it out, find out why the real estate market is considered reliable.

Tip 4. Know how to exit the game on time

One of the most valuable skills is to be able to stop on time. You must be able to give up unpromising ideas that cause losses or have completely outlived their usefulness, and you feel that they do not provide you with initial inspiration.

Tip 5. Make a profit.

And most importantly, money should make money. This means that you must make a profit from your financial investments. It’s not “promising ideas”, not “100% payback” and not “everything will work out” that should worry you. The main thing to look at is whether you will achieve profit or not. And are you satisfied with its size?

No matter how attractive the idea is, you should always think about money. This is an investment, not a charity.

As you know, the situation on the stock market has become very aggravated recently. The fall in the ruble exchange rate did not have a positive impact on the data predicted by experts. Therefore, every person who has his own savings worries about them and looks for ways that can help him maintain his finances in connection with inflation, and thinks about where to invest money with a guarantee. Otherwise, what is now valuable may soon become pennies. But there is always a way out, and even now, in such a tense situation, a solution to the problem can be found. Investing in various areas will help not only save your resources from depreciation, but also make money on them.

Currency operations

For quite some time now, the dollar has maintained its position on the stock exchange. In this regard, many experts believe that the ideal solution would be to transfer all savings into American currency. Perhaps this particular move will allow not only to save resources, but also to make a profit in the future. This is exactly the option where it is more profitable to invest money.

If a person is ready to risk his finances, then he can try to make an investment by transferring his money into euros or dollars. The most important factor influencing the value of this currency is the cost of oil. In addition, exchange rate fluctuations are affected by global political changes. Therefore, it is very important, before making a transaction, to carefully study all projected data and assess possible risks. And only then decide where it is more profitable to invest money.

It is also worth paying attention to strong currencies of a conservative format. This means something like pounds sterling. But these currencies are more likely to be only a protective mechanism for financial savings. It will be possible to exchange money profitably only if you invest in American and European currencies. Taking into account their growth in the future, it will be possible to get a good amount.

Create a personal project on the Internet

Since the advent of the Internet, the world of business has changed, its horizons have expanded significantly. The world economy is currently experiencing quite serious changes. And part of the reason is that many are moving their businesses to a virtual environment. Now, according to experts, financing in the service sector, trade business or production of your own products is the most risky business in our time. But investments in an Internet project can bring good money.

Online stores, blogs, news portals and forums are now considered the most relevant in this market. If the choice of where to invest money to make money falls on the Internet, but you have absolutely no experience in this area, then it is best to gather a staff. At the moment, there are many IT specialists who can not only develop the site itself, but also fill it with unique, interesting content. This is what will determine the traffic to the resource, how much money it will bring, and so on. That is, the more interesting the information on the site, the more likely it is that the project will be profitable. In addition, it is important that you have promotion specialists working for you. They will be able to bring the resource to the first pages of search engines and attract more visitors. And then this area will really be the one where it is more profitable to invest money.

The main point why the Internet is a profitable investment is that there are no restrictions. That is, it does not matter the operating hours or geographical location of your enterprise. Your clients can be people from any corner of the Earth. This is why a project in a virtual environment is a good investment solution, experts say.

Mutual funds

Investing free money in mutual funds is an old technique of people who understand what the financial, securities and all that kind of market is. Many experts believe that this is the ideal investment solution in our time. A scheme of such enrichment has been practiced for a long time; many young investors have made their fortune on such investments.

The essence of a mutual investment fund is that investors collectively invest their money, transferring a power of attorney for their further support to traders with experience in this area. All invested money is collected into a common fund, then you need to find a project manager who will carry out all financial transactions in order to generate profit for all investors.

This option is ideal for people who are just starting their investment activities. For an ordinary person, the necessary information about what economic indicators are in different organizations is not always available. Purchasing securities is not difficult; any novice investor can do it. Difficulties begin when the need arises to start managing them. A professional trader will tell you which stocks to invest in, or better yet, precious metals and other important assets whose value has temporarily decreased, in order to later regain their own position in the financial market.

To professionally search for the ideal investment option, you must make an effort and focus your attention on the area that interests you. Firstly, it is important to understand what the global economy is and understand all its intricacies. Secondly, you should definitely follow all the news; this is the only way to respond to important changes in this area in a timely manner. For an ordinary person, this is quite difficult and it is not always clear what to pay attention to and how exactly to do it. Therefore, if you have no experience and knowledge in this matter or simply do not have enough time to deal with it, it is better to find a professional specialist and entrust him with financing and investments. You won’t have to worry about the integrity of your cooperation with the company’s manager, because all of his activities will be strictly controlled by government agencies.

Real estate

Purchasing a home is one of the surest ways to invest money so as not to lose it. Prices for it fall very rarely, and in the case of the center of a populated area they also rise. And it doesn’t matter whether it’s commercial or residential. According to experts, the value of real estate will only increase in the coming years. Therefore, by investing in this area, you can get decent profits. This is one of those options where to invest money to receive monthly income.

The ideal investment option would be to purchase residential space and rent it out after completing all the documents. People who use this method to accumulate capital recommend purchasing several rooms or a couple of one-room apartments. Typically, landlords receive between 10 and 20 percent per annum per year. It will take approximately 10 years for the cost of housing to pay off, and eventually the apartments will begin to bring net profit to their owner. But this is still the right option where to invest money to receive monthly income.

This investment tool will be useful for those who have good starting capital. The idea is not new at all, so it has long established itself as a good investment option. After all, it turns out that the landlord receives a monthly income from each purchased area.

The most important disadvantage in deciding to invest in real estate is the high cost of investing in this area. In addition, during the transaction, unforeseen problems may arise that will have to be resolved. But still, such investments are a guaranteed investment option with long-term profit.

The biggest risks in investment projects

For people who want to get big profits from their investments, it is very important to be able to see the prospects of a project. Only after learning to distinguish between profitable deals and scammers’ schemes can you begin to make investments. There are projects in which you should not invest money under any pretext.

You should avoid all kinds of hype, or, as they are commonly called, financial pyramids. A well-known example of such fraud is MMM. Only the creators of the pyramid can withdraw huge amounts of money from such a project, while the rest go bankrupt in about a year. Experts strongly do not recommend investing in such schemes.

An investment in an online casino will also be of poor quality. This is a very common type of investment failure, because many people invest almost all their savings in these projects and end up with nothing. After all, it is almost impossible to win in such a casino, at least a large amount. But you can spend everything in the hope of still getting the jackpot. The main scheme of such a business is that people who are prone to gambling invest money there, and at the right moment are not able to psychologically stop, so they lose everything they have.

These are the two most common schemes where novice investors are offered the proverbial “cheese in the trap” practically for free. But our world is structured in such a way that easy money does not bring a stable income, but, on the contrary, provokes a person to lose everything he has. Don’t pay attention to flashy advertisements and trustworthy slogans. It is better to consider more serious and reliable options for where it is more profitable to invest money.

Precious metals

Buying precious metals is perhaps one of the oldest and most common ways of investing financial resources. Most often, investors choose to purchase gold. At the moment, it can be exchanged for money in banks, and it is measured in bullion. Usually the price of this precious metal fluctuates, but despite this, all investors in this direction have a profit from such an acquisition, and quite a good one.

It is worth considering that impersonal transactions will allow you to purchase gold without paying taxes. It doesn’t matter whether you buy or sell it. But if you decide to buy an ingot, then you will have to pay 18 percent VAT to the state.

Nowadays it is popular to buy not only gold bars, but also other metals. The most common are silver and platinum. You can make a profit from such acquisitions if their value on the world market begins to rise. If you are afraid that you will lose money due to inflation, then gold is the best investment. It’s just worth considering that the transaction should be carried out when the cost of the metal is at its lowest level. Such an investment may not pay off immediately, so it is best to invest your free money in it.

Investment in art

If the question is where to invest money to make money, then it is worth considering the option of investing in works of art. The main thing you need for this is to have an idea about this area and understand it well. Also, the need to constantly be present at various auctions and exhibitions will fall on your shoulders, because you will have to look for buyers who want to buy this item.

This type of investment has its pros and cons. It's no secret that you can buy and sell a piece of art. Moreover, anyone can make such a transaction, no matter how old they are or what their status is.

No special permits or documents are needed to make a purchase in the field of art. If necessary, you can use the services of a professional who is well versed in art, who can assess the value and confirm the authenticity of the future acquisition.

The most profitable time for such investments is considered to be a crisis. It was at this time that many people, having gone bankrupt or significantly lost their wealth, begin to give away such things at a low cost. The main disadvantage of investing in art is the long-term profitability. Sometimes finding a buyer can take years.

Own business

It is very profitable to invest money in the development of your own or other people’s projects. According to experts, this is one of the most effective ways to make profitable investments. Of course, this area is one of the most profitable, but to achieve a positive result you will have to work a lot and seriously address the issue. And you can’t go wrong with what business to invest in.

Experts say that the first and most important step in this matter is to estimate the initial investment amount. It is on its basis that it will be possible to make assumptions about whether it is rational to invest in this project, and whether it will be profitable or unprofitable.

Also, the profitability of such an investment is influenced by many external factors, the main ones being competition, dishonesty of suppliers and employees, as well as constant changes in the country’s legislation. The main thing is that the money invested in the business brings net profit.

Regarding the question of what kind of business you can start with a small amount of investment, there are several banal options. Firstly, you can try to open a grocery store or offer services for the production and installation of windows and doors. Secondly, you can try to organize a personal farm by purchasing a plot of land in a rural area. There can be a lot of options for where to invest a little money, the main thing is to understand what you would like to do and make sure that it is a truly profitable business worth investing in. If you do not understand the issue well, it is better to use the services of professionals who can advise you on the best option.

Bank deposit

In recent years, a very common option for protecting money from inflation is the decision to profitably invest money in a bank at interest. In any case, you won’t be able to earn a lot of money on such an investment instrument, but inflation certainly won’t be able to ruin your mood.

If you still haven’t decided where you would like to invest your money, it’s worth considering this option. The main thing is to find which banks are profitable to invest money in. We need to look for those structures that can survive any crisis. It is easiest to work with private organizations. If you have one in mind, then you can go there and open a deposit account with interest.

Naturally, there are risks in deciding where to invest money. Expert advice is to open a deposit for no more than three months, but indicate in the agreement that you want to capitalize the interest and want the extension to occur automatically. It is definitely worth clarifying that you reserve the right to get your money back at any time if necessary, even if the deposit period has not yet expired. This is the only way to profitably invest money in a bank at interest.

If it works stably, then good dividends await you. If any problems arise or there is a risk of bankruptcy, then it will be possible to withdraw the money and open a deposit in another, more reliable place. If we take into account deposits, then this is a good option for where to invest money. Expert advice is to carefully read all contracts and follow news about the state of the bank.

conclusions

The global market is now quite unstable, so it is important to be able to make rational decisions in times of crisis and to be able to work and adapt to a variety of changes in the economy and legislation. Having considered many options, we can safely say that it is possible and necessary to save money from inflation and even make a profit from it. But it is very important to understand the area that will become the main one after financing.

Only by understanding what you are dealing with can you achieve positive results. In addition to positive aspects, there are also negative ones: these are multiple pyramids and other fraudulent schemes that can cloud the mind of a novice, inexperienced investor. Therefore, without experience and the ability to understand business, it is best to hire specialists who can soberly and sensibly assess risks and choose the right decisions regarding all investment operations.

The global market is growing every year, and many new, promising areas for investment have recently emerged. Therefore, beginners and not only investors have a place to turn around. The main thing is to objectively assess your capabilities and calculate all possible developments so that the investment turns out to be profitable and not unprofitable.