Where is the best place to invest cash? Deposit or investment account: where is it more profitable to invest money. Interest-bearing bank deposit

Alexander Ivanov

Hi all! Today we will look at the main investment methods available to Russians and talk about where to invest in 2020.

Sooner or later everyone comes to this question, whose income becomes more than expenses. Drawing up a competent personal financial plan helps to do this much faster.

In fact, there are many working options. The only question is what is right for you.

Each method has two goals - the preservation and increase of capital, although the first, of course, is more important.

Where can you invest based on this? So...

For those who are just accumulating funds for profitable investments or real estate, the best option for investing funds is a deposit to a bank account.

A bank deposit has three indicators that make it the most convenient option:

• In fact, you can withdraw funds from a bank deposit at any time without restrictions. This is convenient, especially when a suitable option is turned up to invest funds for other purposes.
• Reliability. Each depositor can be sure that his savings will return, because. they are insured. Of course, we do not consider banks that are not included in the insurance system.
• Yield. On your deposit, you get a small, but still increase. There is a high probability that such income will even cover inflation, but not significantly. This is not so much, but the funds will definitely be saved.

In the case of considering the option of opening a deposit in a bank, it is important to remember: this will allow, first of all, to save, and not earn money in the medium or short term.

That is, you should not look for a bank with the highest interest rates and favorable conditions. It is better to pay attention not to the amount of interest, but to the level of reliability of a financial institution.

It makes sense to give preference to a bank that is recognized by the state as systemically important and use the deposit to accumulate funds for the purpose of their further investment in other instruments.

Real estate investment

The total amount of financial resources invested by individuals in real estate is much larger than in all other options combined. This situation is also typical for Russian Federation and the world in general.

Neither in the long term, nor in the near future, most likely, nothing will change in these statistics. For most people, buying property is the only long-term savings option.

Like all other types of assets, real estate can be unstable in price.

However, according to average indicators, the price increase in this segment covers inflation, so it can easily serve as an additional source of income. For example, subject to the lease of the object.

One of the most important features of this type of investment is that real estate retains value linked to geographic location. In a particular area, its price is adjusted based on current economic realities.

Under real estate, it is customary, first of all, to understand objects of a residential type. And yet, the bulk of the findings also apply to commercial, or non-residential, real estate.

The main conditions under which objects save and even increase funds are:

• maintaining the scarce scale of construction of new facilities;
• constant positive growth of residents in the region, the city, in particular;

In cities where the constant negative dynamics of the growth of citizens is preserved, where citizens are actively leaving (it is dying out), real estate objects cannot grow in price, and more and more often they show a downward trend.

In developing and growing cities, the situation is the opposite. The younger generation and migrants are constantly pushing the cost higher and higher with their demand.

In such conditions, only excessive construction of facilities can restrain the growth of prices for real estate, which is actually unrealistic. After all, it is unprofitable for the developers themselves, as this will lead to a decrease in their income.

And the scale of free space is always limited, which creates the very lack of space in certain urban areas that are most suitable for development.

In such places, there is often nowhere to build, so the growing demand can be balanced by rising real estate prices in previously built facilities.

Among other things, we should not forget about the corruption factor, which often reduces the overall ability of developers to enter new areas for them. This fact also negatively affects the scale of real estate for sale, leads to a shortage of real estate for sale and, accordingly, to an increase in its price.

All Russians who survived the crisis at the end of the last century and the beginning of this century have drawn their own conclusions. They do not need to explain now: why real estate - the best option long-term capital storage.

In addition, over the past 30 years, real estate has remained the only type of asset that was available to the vast majority of the country's citizens.

Of course, investing in real estate has its downsides. We are talking about a high minimum price for each individual object - it is difficult to purchase an apartment from your salary.

And yet, this problem has its own solutions.

The main solution is a mortgage. It is she who helps to fix the current price of housing for the buyer.

At the same time, mortgage interest, which seems to many simply sky-high, in fact, always turns out to be lower than the long-term increase in the price of the object itself. Therefore, an apartment purchased for investment purposes is not only possible, but also necessary to rent.

At first, of course, the rent will not be able to cover even mortgage payments, but after 5-7 years, it is likely that the rent will begin to cover the payments in full.

An alternative option is to invest in liquid real estate with a lower average price.

For example, we are talking about capital garages, parking lots, small plots of land, etc. After all, they can be rented out, they require minimal investment after purchase, but the demand for them is always high.

Also a good option to buy studio apartment With small area in less expensive urban areas. Such objects are also characterized by a low average price, but it is actually easy to sell and rent them.

Another alternative to mortgages is clubbing. This option is not very common.

However, if you have friends whom you trust well, who you can rely on, and who, at the same time, are trying to find an option for a reliable and long-term investment of funds, then you can buy real estate together with them.

This option has a whole list of advantages.

If all or most of the pooling parties think wisely, then you can save a lot of money on renovating your home before renting out, thanks to the use of common labor.

It will also help to buy more objects at once, which means diversifying investments by areas and types of real estate.

Yes, and on all issues it will be possible to support and insure each other.

Of course, in this option there are some legal issues that must be taken into account in advance. Therefore, it is so important to initially understand how much you can trust each other.

For those who are conservative in their approaches and not ready for something new, investing in real estate is the best option in the long run.

Investing money in your business

Investing in your own business is, of course, a certain risk. And yet, the risk is often quite justified. It borders on the desire to do everything to achieve success.

Here everything is in your hands. Control of business processes and various risks associated with them is the main task of every entrepreneur.

Whether it's a simple hairdresser renting a place in the salon, or the owner of a large-scale business project...

Key features of a personal business:

• Business generates value;
• A business keeps finances in constant motion by creating cash flow.

The main part of business ideas is based on the fact that investments will be able to pay off after 1-2-3 years. But, in addition to immediate self-sufficiency, it is important to remember that a working business has value in itself and can also be sold.

A personal business is not just about generating a flow of funds, but also about increasing the overall value of the business. The larger the project, the higher its cost, respectively.

All those who have their own business are simply obliged to continue to invest in its promotion and development. After all, the potential profitability of a working business is always higher than with any other options for investing capital.

Of course, this is true, provided that it can be scaled.

Investing in your own business also makes sense if you have enough free time, energy and desire to create something unique and inimitable.

This option is optimal for those who are ready to work and develop in the chosen direction, which is familiar to them or close in spirit.

By and large, starting a business requires not only and not so much investment as exceptional courage and all-round readiness to take the first step and move, no matter what.

Of course, there are risks here, however, the effectiveness and result of investing in your business will depend solely on the entrepreneur himself, and not on a third-party uncle.

When discussing the choice of the type of activity, first of all, it is necessary to pay attention to areas that have long been well mastered, bypassing what is little known and poorly developed.

It makes no sense to “get into” a sphere where there is no healthy competition, because this may indicate that the activity is not in demand. The importance of demand has not been canceled.

You need to focus on demanded, popular and potentially profitable areas.

The idea of ​​oversaturation of core business areas is wrong. The Russian Federation is a place where essentially little is produced, and the service sector is still in its infancy, compared to some developed countries.

Any goods and services will definitely find their customers and buyers, if you make certain efforts for this.

Investing in exchange-traded financial instruments

Investments in bonds

Buy shares online

Unlike deposits, which allow, first of all, to save funds, and not to increase them, bonds perform other functions.

For large corporations, pension and reserve funds around the world, this is a tool for long-term capital storage with severe restrictions in terms of risk.

Active users of bonds are often wealthy people who have inherited a fortune. The heirs of huge funds are aware that they themselves cannot earn so much.

Therefore, they set themselves only one task - to preserve the funds received as an inheritance. And in this they are helped by bonds that can provide stable and regular profits.

Investment in shares

Investing through foreign brokers

It is obvious that the stock market is not limited to the Russian Federation. The world is simply huge, and capitalism is legally enshrined in many countries and assumes that everyone has the right to dispose of personal funds at their discretion.

We are talking about the actual possibility of investing in the shares of enterprises around the globe.

Previously, it seemed like something far away, but nowadays it is a part of real life. Every citizen of our country without much effort can invest in the shares of foreign companies.

At the same time, deposits in foreign enterprises are possible both through Russian and foreign brokers.

The latter option provides citizens with a much greater choice of shares to purchase. After all, this opens up dozens of exchanges in the American, European and Asian markets and thousands of companies.

It is only necessary to decide on the choice of a broker who will help to make certain purchase / sale operations on foreign exchanges.

It is important here that the broker that will be selected for cooperation meet certain requirements:

• the ability to open an account remotely;
• minimum commission on transactions;
• the maximum number of company shares that can be acquired;
• reliability of jurisdiction with deposit insurance from the regulator.

The demand for this type of investment in Russia is growing all the time, because everyone wants to have a greater choice of instruments, diversify risks by buying foreign shares in foreign currency and, in the end, earn money.

IN last years The country's market is unable to fully provide this, so we are actively looking for access to foreign stock markets through foreign brokers.

Disadvantages of investing through foreign brokers

• Lack of support in Russian.

Opening an account with an overseas broker assumes good command English language by the investor himself. Otherwise, it will be difficult to work with foreign brokers.

• Mandatory payment of taxes.

In the case of a deposit of funds through a Russian broker, all work with taxes is assigned to him, as a tax agent. The broker himself calculates and pays the bills.

In the case of choosing a foreign broker, the investor decides and pays all tax issues on his own.

Investments in financial instruments with intermediaries

Independent investments in specific bonds or stocks require certain financial knowledge. What bonds to buy? What stocks to choose?

Coupon profitability, primary and secondary offerings, credit ratings and dividends, default... The world of finance is not easy enough, studying it is like getting additional education.

And yet, for most people, due to the main activity, it is not possible to find time for this.

But there is a solution: there are specialized firms whose key work is related to the collection of investor funds in order to further invest them in various instruments.

Investing with the help of Management Companies

Management companies offer the opportunity to analyze and invest for you.

There is a whole list of such companies, which can be ranked according to the amount of money raised in their funds. The main part is firms that are part of large-scale financial holdings, although there are exceptions:

• Sberbank Asset Management
• Alpha Capital
• VTB Capital Asset Management
• Raiffeisen Capital
• Retirement savings
• Gazprombank - Asset Management
• Uralsib1
• RSHB Asset Management
• System Capital
• Aton-Management and others.

Each such company offers two different mechanisms for transferring money to management to choose from:

1. By purchasing shares of one of their own (mutual investment funds).
2. By transferring in money under a particular investment strategy.

Contribution to Mutual Investment Funds

Mutual Fund (Unit Investment Fund) is a fund created by a management company for the subsequent investment of the fund's resources in order to generate income and distribute it among all shareholders.

Equity capital is formed by selling shares to investors. The loss and profit of the fund is reflected in the change in the price of the unit itself.

The main feature of mutual funds for mass investors is their low entry threshold. For deposits in interval and open mutual funds, only a few thousand rubles are required.

Other investment options with the help of management companies require larger amounts.

Another one important feature Mutual investment funds - strict control of their work by government agencies. This allows us to talk about additional control over the work of the fund, incl. on the legitimacy of all transactions with the finances of shareholders.

Popularity came to mutual funds in the middle of the 2000s during the wild growth of the stock market in our country.

The mutual funds themselves were constantly formed under an actively growing market, and the 2008 crisis demonstrated their shortcomings in all their glory.

The need to strictly follow a certain structure of assets does not allow mutual funds to go into foreign currency or ruble cash during crises, while fixing serious losses.

The cost of maintaining the fund is constant and quite large. This in the long and medium term leads to a serious drop in their overall financial results.

Since the financial crisis in 2008, all equity mutual funds, mixed mutual funds and most bond mutual funds have suffered serious losses, demonstrating vulnerability to market crises. Their demand has dropped dramatically.

Commissions for contributions to mutual funds are formed by fixed costs as a percentage of the total amount of funds in the fund for:

• Depository fee.
• UC reward.
• Other costs.

In total, depending on the fund, about 1-5 percent of all assets for 12 months go to expenses. All this is taken into account in the total cost of a mutual fund, and investors themselves usually simply do not notice them.

For investors, additional commissions are also provided for the sale of mutual funds if the total investment period is less than that fixed in the agreement.

The shorter the total investment period, the higher the commission. In the case of a deposit for a period of more than two years, the commission for the sale of the Fund may not be charged.

Investing in trust management

Unlike mutual funds, trust management imposes much fewer restrictions on the management company.

In theory, a flexible management approach enables management enterprises to take full advantage of market opportunities in order to make a profit.

But on the other hand, it is difficult to calculate the real results of their activities, because this information is not disclosed by the companies.

Everything is thoroughly and clearly known about the results of the work of the Funds, because the data on the profitability of mutual funds is open and accessible to everyone.

And, unfortunately, it is problematic to find reliable information about the results of work for a certain period of the Criminal Code.

Therefore, trust management has become more popular than mutual funds. After all, if before investing in a Mutual Investment Fund you can look at its dynamics of profitability, the desire to invest in it may disappear.

And in the situation with trust management companies, we are talking only about target and expected levels of income. The real profit for previous periods, most likely, will not be disclosed.

The main part of investment strategies from management firms is divided into several categories:

Offers for “ordinary” depositors

• Bond portfolio
• Equity portfolio
• Investments in rubles
• Mixed stock and bond portfolio

Offers for "qualified" investors

• Investments in currency
• Investments in Russian Eurobonds
• Investments in rubles
• Active portfolio management of Russian companies
• Investments in currency
• Eurobond portfolio of Russian enterprises
• Sovereign bond portfolio of advanced and emerging economies
• Portfolio of corporate bonds of foreign enterprises
• Portfolio of shares of foreign enterprises
• Mixed portfolio of equities, sovereign bonds, corporate bonds

A qualified investor is a legal or natural person that meets certain requirements of the current Russian legislation.

To obtain the status, an individual must meet one of the following criteria:

1. The presence of certain trading experience on the stock exchange with a total turnover of at least 6,000,000 rubles. over the last 12 months.
2. Availability individual RUB 6,000,000 in securities, on deposits or in trust.
3. Having the necessary education.

For qualified investors, there are serious opportunities for investing in foreign currency, because investment options are supplemented by foreign securities: bonds and shares of foreign enterprises, sovereign bonds of states with developing or developed economies.

By and large, there is no particular difference between investing through mutual funds or trust management. Nevertheless, the investment plans of the latter look more “presentable” from the outside, and a large minimum amount of a deposit in trust management seems to be a “guarantee” of greater reliability.

But this, of course, is not entirely true. The average level of profit of an investment plan of trust management and a mutual fund are comparable, because funds are invested, as a rule, in the same securities.

The remuneration to the managing enterprise reaches, as in the case of mutual funds, about 1-5 percent per annum of the total amount of managed assets.

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

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

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

Bank deposits

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

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

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

Reliable bonds

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

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

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

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

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

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

Gold

Stock

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

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

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

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

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

Own business

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

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

To earn passive income

Real estate

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

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

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

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

To receive income in foreign currency

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

Eurobonds

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

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

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

unit-linked programs

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

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

By the way, since 2013, the Moscow Exchange has been successfully traded, which cover quite most markets previously available only through foreign brokers.

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

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

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

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

2015-2016 promise to be difficult for most Russians. The economic situation in the country has heated up to the limit. And the general situation in the world suggests that the crisis is not far off. Many are already asking the question: “Where can you invest money so that it works and generates income? » . There will be many similar questions in this article. We will try to give answers to them, because the ruble is losing its position in the financial market every day. And the issue of capital preservation is becoming more and more acute.

The crisis in Russia is close. How to earn on your savings?

Where to invest money to make it work? This is the main question posed by the majority of Russian citizens. After all, it is no secret to anyone that the political and economic situation in the world has become extremely aggravated in recent years. Instability in the financial market is constantly reflected in Everyday life many people. The ruble is falling at an incredible rate, this is due to many factors. First of all, the Russian economy was affected by the crisis in Ukraine and the sanctions imposed by the EU in connection with it. But to a greater extent, according to experts, the cost of oil is to blame, which in the last year has dropped to a maximum level. All these factors significantly influenced the ruble exchange rate. Ever since the national currency lost the confidence of its citizens, the Russians have been asking the question: “Where is it safe to invest money?” After all, many experts argue that the ruble can devalue. And this, in turn, will lead to the fact that many will lose their savings. But that's not all. Analysts are confident that in 2015 there will be massive job cuts and wage cuts. Therefore, speaking about where it is now profitable to invest money, many still think about how to make money on them.

Investing money in a bank. Benefit of the deposit

Where to invest money to make a profit? One of the most popular ways for Russians to keep their savings is a bank. Of course, many use banks solely as a financial cushion with the amount of funds to live on for a short period. But you can approach this option from the other side. Due to the fact that this year the Central Bank of Russia raised the key rate to 17%, it has become very profitable to put savings on deposit. After all, interest rates have become much higher, especially for deposits in the national currency. Although deposits in foreign currencies can also be no less profitable. In addition, some changes were made to the tax code. That is why, using a deposit, you can not only invest money profitably, but also protect your savings from the risks associated with it. When choosing this method to save your own funds, experts recommend contacting the most trusted and reliable organizations. For example, Sberbank, Gazprom, VTB and others Making a deposit will not take much time and, in turn, will bring a pleasant monthly income. If you invest a large amount, then you can even live on the interest offered by state banks today!

Real estate investment

Answering the question: “What to invest money in in 2015?”, Many experts recommend turning to such a proven and safe type of investment as real estate. Everyone knows that it is she who takes first place in terms of trust from citizens. But often many people use square meters solely as a way to save their savings. Forgetting what such an investment instrument can bring to its owner considerable income. Of course, the acquisition of real estate will require considerable funds. But if you skillfully manage them, then the profit from the acquired real estate will cover all costs. It is best to buy an apartment at the initial stage of building a house. Such projects bring the highest income. This is especially true for luxury housing. In addition, it is not at all necessary to sell this property in the future, there is always the opportunity to rent out your square meters. But for this you need to carefully consider the infrastructure and location of the apartment when buying it. Carefully inspect everything that may negatively affect the client's interest: number of storeys, communications, view from the window. All these little things play a very important role when renting an apartment. But at the same time, having executed a profitable deal with a client, you can count on a good monthly income. What is as profitable to invest money as in real estate?

Forex market and PAMM accounts

Where to invest money to make it work? Often, reflecting on this issue, experts confidently talk about the Forex market. In the investment market of Russia, a new form for investing funds called PAMM account has recently appeared. Experienced players declare with confidence that with the help of such accounts you can earn good money. This is especially beneficial today. After all, the principle of earning money is precisely that it is necessary to play on currency races. And today there is just such a trend in the financial market. But experts warn that almost 90% of beginners, starting to work on the Forex market on their own, lose their savings. Firstly, there is not enough experience and knowledge, and secondly, for many, Forex trading is just a side type of income, which is why there is not enough time to delve into the intricacies of the foreign exchange market. Therefore, experienced players often advise beginners to use the services of a professional trader. Well, or, in extreme cases, take a series of training courses, which are often offered for free by investment companies and exchanges.

Securities and shares

During past crises, many Russian citizens, at the risk of losing their savings, invested them in securities and stocks. Those who at least somehow understood this business, after a few years already had a good income. Well, those who had no experience in working with stocks lost their last savings. Answering the question: “Where to invest money to make it work?”, we can say that investing in shares will bring a decent profit. But this can take years, and you also need to have a sufficient level of skills and knowledge to choose a worthy company. It is best to trust a professional manager with a good history of profitability. But even in this case, one cannot be one hundred percent sure that the shares will bring profit. After all, today's market is so volatile that it can devalue the shares of absolutely any company in just a couple of minutes. And experts advise: before choosing this type of investment, consult with experts or use special courses that will help you gain some knowledge in this area.

Investing in gold and other metals

There is a category of citizens in Russia who, each time faced with a crisis problem in the country, absolutely do not ask themselves the question: “Where to invest money in order to earn money?” This category includes people who trust only this type of investment, like gold. This is not surprising. After all, since ancient times, gold has been considered. On the modern market, the situation has changed somewhat, but the fact that gold is generally becoming more expensive is an indisputable fact. Of course, over time, the trends of such investment have changed somewhat, and today bank customers are successfully investing not only in gold, but also in other metals. These include silver, platinum and palladium. There are several ways to invest your savings in precious metals: buy a gold bar at a bank (but you will have to pay a 13% tax), buy gold coins (you can find them at Sberbank and other similar large organizations), buy back securities (only those that are secured by gold, through the stock exchange), as well as open a non-cash metal account. For those who have never used this type of investment, it is best to stop at the last option.

New of the season! Investing in art

It is not surprising that, facing the question “where is it profitable to invest money now”, many choose not quite standard types of investments. Recently, investing in art has become fashionable. But this is not just a fashionable trend, but really a very promising type of investment. After all, with some lots you can get a benefit equal to 100 or even more percent of its value. But there are also some important points. In order to really make money in this market, you need to understand art to some extent. Or use the services of experts and appraisers. Yes, and understand fashion trends, so to speak, try to predict what will be at the peak of fashion in the near future. It all sounds very strange and complicated. In fact, the profit from this type of investment is high exactly as much as the work in this area is difficult. It is for this reason that this type of investment will not be mastered by everyone. But everyone wants to invest money profitably!

Investing in the Internet

Where it is really profitable to invest today is the Internet. After all, the Internet is present in the life of every person. Every year this type of investment is gaining more and more popularity. There are a lot of investment options on the Internet, everyone can choose for themselves the most suitable way earnings. The most important thing in this case is not to stumble upon scammers. After all, with the growing popularity of this type of investment, the number of cases related to customer fraud has also increased. In order not to become one of the deceived investors, it is necessary to carefully study all the documentation, and, if possible, any information about the selected company. Where to invest money to get more? The choice is not just wide, but huge: HYIPs, cryptocurrencies, sites, MFA sites, etc. Starting from creating your own website and ending with profitable investment in promising projects, you can earn very profitably. It is difficult to say exactly how much you can earn on investments on the Internet. It all depends on how much money will be invested and which direction the investor will choose. But given the fact that the Internet is becoming more popular every day, the risks of losing your investments are quite low.

Investments in your own business

Where to invest money to earn common man? After all, not everyone can decide to give their savings to the bank or buy unreliable shares on them. For the category of citizens who are suspicious of investing in other people's companies, experts advise considering the option of opening a private business. Moreover, now is the right time for this. Foreign companies, due to sanctions and the unprofitability of doing business in Russia, will hastily leave the Russian Federation. This will reduce competition in the trade market. And the commercial real estate market is likely to reduce the cost per square meter. All this will provide an excellent opportunity for a novice entrepreneur to start a successful business of his own. Where to invest? It is best to turn to basic necessities, clothing or food. The dollar is likely to continue to grow, so you can fill the range national goods and dilute with Chinese products. Experts also recommend taking a closer look at such areas as a pharmacy and ritual services. As strange as it may sound, but such organizations will always be profitable. Of course, the risks associated with starting your own business are quite high. But also economic situation in Russia today is not very stable. Therefore, such an investment choice can be quite successful! In addition, to reduce risks or with a lack of funds, you can find a worthy companion.

Investing in your own development

Where to invest money to make it work? As you already understood, money can work in different ways. Many, thinking about the issue of investing their own funds, often stop at the choice of self-development. What does it mean? You can, for example, use the accumulated funds to receive additional education or attend expensive courses to learn something. To do this, it is enough to pay in full the entire course for the entire time. The funds will be invested quite profitably, right? Money can be used to educate your children or provide long-needed medical care to your loved ones. In general, even experts believe that such investments are very profitable. After all, the cost of education and medical care is growing every year. In addition, such investments do not require additional knowledge. In general, leading experts insist that you should try to invest your savings in different areas, thus insuring yourself against possible failures. And this means that the question of where an ordinary person can invest money is not so complicated!

We all save money. A schoolboy saves for a new smartphone, a student for a car, a young family for an apartment (or more often for a down payment for a mortgage), a worker for a vacation, and a pensioner for a funeral. And no matter how tense the economic situation is, the money somehow accumulates. Otherwise, why are there so many iPhones and expensive cars around?

But what most people don't realize is that when the accumulated money is under the pillow, it subtly diminishes. Every night a "savings killer" comes and steals a small part of our savings. And this killer's name is Inflation.

The official inflation rate in Russia for 2015 is almost 13%. But we know that it is not weakly underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely over 20%.

Thus, all our savings depreciate at a rate of at least 20% per year or 1.65% per month. So, now most of the ways of investing do not help to increase your funds, but at least offset inflation a little.

In such a situation, it is very unwise to keep money under the pillow. Any free money should work. But how to invest them as reliably and profitably as possible?

Investing is not that hard.

I think everyone understands what investing is. When investing, you make your funds work. That is, you invest money, expecting to receive even more money in the future.

But we must not forget that investing entails risks. Instead of the expected profit, you can get a loss or even lose all your money.

Therefore, the main rule of investing is risk diversification. According to this rule, you must break your savings into parts and invest them in different investment projects.

For example, let's say your investment portfolio is $100,000. Then you need to choose a few investment instruments that are suitable for you. Suppose you have chosen mutual funds, PAMM accounts and backing and HYIP projects. Now you will need to distribute your portfolio between instruments depending on how much you are willing to risk.

Let's say that you are configured for moderate risks and distribute money as follows: mutual funds - 40%, PAMM accounts - 40%, backing - 10% and HYIP projects - 10%. Now you need to apply the principle of diversification within each chosen way of investing.

That is, you will need to select several different PAMM accounts and distribute your 40% of the portfolio between them. The same must be done with other chosen ways of investing.

In order to comply with this rule, you need to use several tools that can multiply your money. I have selected 12 of the best ones for you.

We compare the 12 best ways to invest.

I not only selected for you the 12 best ways to invest, but also compared them with each other. For comparison, I chose several parameters that I decided to evaluate on a 10-point system, where 1 is the lowest rating, and 10 is the highest.

Comparison of the best ways to invest.

The following options have been selected:

• Simplicity. This parameter characterizes how easy it is to understand this type of investment, understand the principle, find a suitable company and make a deposit.
• Yield. Here the average return on investment will be estimated. Most often, this and the following points are interconnected: the higher the yield, the higher the risks.
• Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
• Entry threshold. Shows the minimum amount you can invest.
• Liquidity. Estimates how quickly you can withdraw your deposit, and what losses you expect if you withdraw money prematurely.
• Passivity / activity- this parameter shows how passive this type of income is. That is, 10 points means “invested and forgot”, and 1 point means that in order to get the maximum profit, you will have to spend extra time and effort.

Of course, all my assessments will be subjective and I think that many readers will not agree with them.

1. Bank deposit.

A bank deposit is the most understandable and simple way of investing for an ordinary person. Even any grandmother understands how everything works. After all, even in the Soviet Union, in which there was no investment, people kept money on passbooks. And one of the heroes of the popular Soviet film called on fellow citizens to keep money in savings banks.

All you need to do to make a deposit is to choose a bank and come there with your passport and money. What could be easier? I bet 10 points.

At the same time, the profitability of a bank deposit is not high. At the moment, deposit rates range from 7% to 12.5%. I think this is one of the lowest returns of all investment methods. Deserves 1 point

But you can be sure of the reliability of your contribution. The deposits are insured by the state. Even if you plan to invest a large amount, in order to insure that your bank's license is taken away, you can break the amount into small parts and invest in several banks. In this case, even if the bank is deprived of a license, and your deposit was less than 600,000 rubles, then you will be compensated for both the deposit and interest. 10 points for reliability.

You can start investing with an amount of 10,000 rubles. This is not much at all, so you can put 8 points.

In most cases, you can withdraw money from the deposit at any time. But if you withdraw money early, you will lose most of the profit. 7 points for liquidity.

This type of deposit belongs to the “put it and forget it” category. All you need to do at the end of the investment period is to come to the bank and withdraw your money. Well, or roll over the deposit. 10 points.

Pros:

• High reliability.
• Availability.
• Low taxes. You will have to pay 35% of taxable income, which is calculated according to the formula: all income minus the refinancing rate.
• Predictability of results.

Minuses:

• Low yield.

Conclusion. This type of investment is more likely not to increase your money, but to somehow compensate for inflation. In any case, if you do not want to risk at all, then this method is better than just keeping money under your pillow.

2. Mutual investment funds (PIFs).

For an ordinary person, investing in mutual funds seems not a very clear undertaking. To understand this, try explaining to your grandmother at the entrance that you are buying shares in the fund of a management company that invests money in assets.

The choice of a mutual fund should also be taken seriously, studying the statistics of different funds. After that, you need to go to the office of the company or its agent. For simplicity I will put 6 points.

The yield here depends on the type of funds and on the approach to choosing a mutual fund. The riskier the investment the fund makes, the higher the potential return is expected, but in most cases it is not high. 3 points.

Reliability also strongly depends on the type of fund. At a time when bond mutual funds are one of the most risk-free investments, investing in venture funds carries very high risks. On average, I would rate reliability at 7 points, because at least you will not be able to lose most of the deposit, as in other ways of investing.

The minimum cost of a share starts from 300-500 rubles per share, which is suitable for almost everyone. 10 points.

I think most people invest in open mutual funds, so in this paragraph we will only talk about them. You can withdraw money from open funds by selling your shares in 1-3 working days. I will put 10 points.

Still, with this method of investing, you will have to spend a little time managing your investments. Of course, the management company will do the management within the fund without your participation, but you will have to transfer money between mutual funds and decide when to sell shares and when to buy. 8 points.

Pros and cons of this investment method:

Pros:

• A large number of assets in which the fund can invest.
• Low entry threshold.
• Relatively low risk.

Minuses:

• Possibility of making a loss in case of an unsuccessful choice of a fund.
• Relatively complex investment procedure.
• An investor should be interested in the stock market.

Conclusion. With a successful selection of funds and proper management of your investments, the profit from the deposit covers inflation and brings a small income. But you need to remember that many funds bring losses to their investors.

3. PAMM accounts.

Brokerage companies have invested so much money in advertising in recent years that only the deaf have not heard about Forex and the tempting prospects of becoming a successful trader. Therefore, it is not difficult for an ordinary person to understand the principle of PAMM investing - to give money to a trader so that he can play on the stock exchange.

You can find a suitable broker on the Internet. At the moment the most popular is Alpari. So I will put 7 points for simplicity and clarity.

Some accounts can bring you more than 100% profit per year, and some drain all your money. But, when using the principle of risk diversification, the income from this type of investment is slightly higher than in mutual funds and is estimated by me at 5 points.

As returns increase, so do risks. When using the principle of diversification, you will not lose the entire amount of your investment, but you may receive a loss. For reliability, I would put 6 points.

You can start investing in PAMM accounts with $10. At the moment, this is equal to 700 - 800 rubles. The amount is small, so I put 10 points.

You can withdraw money at any time within one to two business days. Therefore, for liquidity 10 points.

Investment management takes time. If you do not use automatic tools, then you will have to log into your personal account almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I bet 6 points.

Pros and cons of this investment method:

Pros:

• Low entry threshold.
• Opportunity to build your own investment portfolio.
• Simple investment procedure.

Minuses:

• It is possible not only to receive a loss, but also to drain the entire amount of the deposit.
• An investor should be interested in trading in the foreign exchange market.

Conclusion. This is a very common way of investing, which has gained popularity due to advertising. This way to invest money is more suitable for those people who like the foreign exchange market or who have experience in trading on the stock exchange.

4. HYIP projects.

This type of investment is often referred to as quasi-investment. In simple terms, these are pyramids that accrue profits to participants from new deposits.

It is very easy to invest in these projects. Many of them accept bank transfers and payments through the most popular payment systems. Most often, HYIPs have a legend that explains to gullible investors where the company takes money from to pay such high interest.

It is very easy to make a contribution to such a project via the Internet. But, if you are new to the Internet, it will be more difficult. For convenience, I would put 8 points.

Profit HYIP-projects promise simply cosmic. On average, long-term HYIPs offer to pay 20-30% per month. Short-term ones can promise to double the amount of the deposit in just a few days. 10 points for the promised yield, but in fact it, of course, turns out to be lower.

There is no need to talk about any reliability of deposits. The project can collapse at any moment. Every day 1-2 HYIP projects are opened and the same amount is scammed. Therefore, for reliability, I would put everything 1 point.

I think that in this paragraph and the paragraphs below, we should consider only long-term projects. The minimum amount of entry into them starts from 1,500 thousand rubles. 9 points for a low entry threshold.

In most projects, the deposit cannot be returned. It will be returned to the depositor during the entire investment period with each payment. Therefore, only 1 point.

If you have already invested in one of the HYIPs, then all you have to do is sit and hope that the project will exist and pay. You can't do anything anymore. Completely passive investment deserves 10 points.

Pros and cons of this investment method:

Pros:

• High yield.
• Convenient deposit and withdrawal of money.

Minuses:

• Very high risks.

Conclusion. Earn onHYIP-projects can only those who are "in the know." You need to be able to analyze projects and find those that can generate income. Most people who make money on HYIPs compensate for the loss when investing by attracting referrals.

5. Bucking (investing in poker players).

Almost everyone knows about such a game as poker. At the same time, many understand that successful players receive big money for winning tournaments. But how many people know that most poker players don't play big tournaments with their own money?

That is, if a strong player does not have enough money to participate in the tournament, he turns to an investor (sponsor), who receives a percentage of the prize money if he wins. The player can also have several sponsors who invest in the player and profit from winnings depending on the amount of investment.

You can buy a share from a player only by agreeing on it on specialized forums. For example, on the forum of this site: PokerStrategy.com. To purchase, you will need to personally write off the player. For convenience, I would put 4 points.

The reliability of this type of investment is highly dependent on the choice of players. In addition, when buying a share, you do not sign any contracts and the player may “not want” to give you your share for winnings. 3 points for reliability.

You can buy a share from $10. But only novice players sell so cheaply, to buy a share of a professional, you will need to invest 200-300 dollars. But it's still better to start with small investments, so I put 10 points for a low entry threshold.

There is no such thing as withdrawal of money. You pay a share, and if the player gets into the prizes, you take the profit.

After you have made a deposit, you just have to wait for a positive outcome. You can no longer influence anything. 10 points.

Pros and cons of this investment method:

Pros:

• The possibility of making big profits when a player wins a tournament.

Minuses:

• More suitable for people who understand poker.
• The deal is based only on an oral agreement with the player.
• Usually, players earn more than sponsors.

Conclusion. Rather, backing will suit people who are well versed in poker. To an ordinary person it will be difficult to choose the "right" player.

6. Trust management in sports betting.

Most people treat sports betting like gambling. But professional marques earn a lot and consistently on bets on sporting events.

Many privateers create their own PAMM accounts, which actively attract investors. This type of investment is similar to PAMM accounts in the foreign exchange market.

In order to make a deposit, you need to register on the BetPamm.com trust management platform and select several accounts for investment. 7 points for simplicity.

If you look at the charts of profitability, you will see that the leading privateers increase the funds in their accounts by thousands of percent. Such income should bribe. But on average, the return on this type of investment is much lower and deserves 6 points.

If you use the principle of diversification and invest in several PAMM accounts, then at least you will not lose the entire investment amount due to privateer errors. For reliability, I would put 6 points.

Investing can start with very small amounts. For a low entry threshold 10 points.

You can withdraw money quickly and easily. 10 points.

After investing, you will need to monitor the selected PAMM accounts in order to transfer money between accounts in case they go to a loss or achieve maximum profitability. 6 points.

Pros and cons of this investment method:

Pros:

• Short term investment.
• Self-build portfolio.
• Low entry threshold and the ability to use a demo account.

Minuses:

• The possibility of receiving a loss or draining the entire amount.

Conclusion. This method of investment is very similar to investing in PAMM accounts in the Forex market. But it is not so famous due to the lack of advertising.

7. Startups (venture investments).

In recent years, stories of successful startups have been booming all over the place. Everyone understands how profitable it would be to buy shares of young companies, which in a few years would turn into large billion-dollar corporations.

The first way to invest in a startup is to conclude an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at discounted prices. Yunitskiy's SkyWay can serve as an example of such a startup.

You can also invest in a startup using crowdfunding platforms and startup exchanges. Exchanges do not inspire confidence in me, as I consider them HYIPs (read my ShareInStock review). But many reputable sources call them real companies. When you enter the exchange, you will see audited and verified companies in which you can buy shares. You just have to choose a suitable startup and buy a share in it. For simplicity 7 points.

For the purchase of shares on the exchange, the company will pay you dividends in the amount of 2% to 7% per month. In addition, an investor can sell his shares if the company develops and its shares grow in value. He can also sell shares if they lose value and he realizes that he has invested in a shell company. For profitability 6 points.

You need to understand that startups are a risky type of investment. According to statistics, 70% of them are unprofitable, and 20% of these 70% are just scammers who embezzle investors' money. But even of those companies that are in the top 30%, half of them break up in the near future due to internal problems.

One of the ways to invest in startups is through crowdfunding platforms. Unfortunately, in Russia they are not very developed and the minimum amount of investment through them is quite high. But all the companies represented on the site are subject to mandatory verification. There is also the possibility of investing in startups directly. For reliability 6 points.

The entry threshold for this type of investment is not high. 10 points.

If you decide to withdraw money or redistribute it within the share exchange by selling all or part of the purchased shares, then you will need to sell them on the exchange at a price below the market. The lower the price you set, the faster your shares will be bought. 7 points.

For the most profitable investment, you will have to devote your time. It will be necessary to track changes in the value of shares on the exchange, selling and buying them. There is no manager here, so you have to do everything yourself. 5 points.

Pros and cons of this investment method:

Pros:

• Convenient and simple investment procedure.
• Very low entry threshold.
• High potential return.

Minuses:

• High risks in passive investment.

Conclusion. If you decide to invest in startups, then it is better to use exchanges. You will pay about 5% for withdrawing money, but you will be protected from scammers.

8. Currencies and precious metals.

Surely, among your friends and acquaintances there is a person who, with a smart look, claims that money should be kept in gold (platinum, dollar, pound, yen, etc.). This approach says that a person does not understand investing, but simply uses popular “stereotypes” among the people.

For example, if you look at the dynamics of gold prices, you will see that since 2012 it has depreciated against the dollar by almost one and a half times.

If you decide to do without the services of managers and independently buy precious metals or currency in order to store money in it, then this procedure will not be difficult.

You can buy currency in bank branches, or by using the services of brokers (which will be more profitable than buying through a bank). You can also change currencies using online and offline exchange offices or payment systems.

Precious metals can also be bought from banks. And it became possible to purchase gold using the WebMoney payment system.

Also, do not forget about cryptocurrencies, for example, Bitcoin, which, according to all forecasts, will rise in price in the long term. The purchase of these assets will not be difficult, so I put 8 points.

Buying precious metals or currencies for long-term investment primarily protects you from the depreciation of the national currency. For many countries with weak currencies, this is a reasonable solution. But courses behave unpredictably, so there may not be any profitability. 2 points.

The beginner does not know which direction the course will go in the near future, so his investment is more like gambling. Even if now people prefer to keep their money in dollars, what is the guarantee that oil will not rise in price in the near future along with the ruble?

You can probably protect yourself from the depreciation of the national currency by keeping half of your money, for example, in dollars, and the other half in rubles. So when the rates fluctuate, you will not lose anything, but you will not earn anything either.

Profitability depends on luck and I would bet everything 2 points.

The entry threshold depends on the type of asset and on the method of purchase. On the exchange, 1 lot will cost at least $1,000, and through exchange offices or payment systems, you can change amounts of several dollars. So anyone can buy currency or precious metals. 10 points.

You can sell currency as quickly as you can buy it. In exchange offices and exchanges, this is done almost instantly. Gold is also a highly liquid asset. 10 points.

In general, attempts to influence profits by tracking rates and then selling assets already turns you into a trader. And I would not attribute trading to investing. Therefore, I understand investing in currencies and precious metals as “put and forget”. That's why 10 points.

Pros and cons of this investment method:

Pros:

• Able to protect against depreciation of the national currency.

Minuses:

Conclusion. Buying precious metals and currencies for a beginner is a very unpredictable way to invest money. You can reduce risks and increase profitability either by entrusting money to a manager, or by independently studying trading in the foreign exchange market.

9. Securities.

I think that most people from securities are familiar only with stocks. The most financially literate will probably be able to name more bonds. Only a few know how to invest money in securities.

In fact, buying securities is no more difficult than buying a currency. You also need to contact big bank or to a broker. 7 points for simplicity.

When buying securities as a beginner, making a profit is a big question. And, if even a beginner can count on a small income when investing in bonds, then the stock market can bring a loss to a novice investor. 3 points for profitability.

In fact, usually low returns entail low risks, but not in this case. There are high risks in the stock market. 3 points for reliability.

You can start investing with a small amount. The entry threshold starts at about 1,000 rubles. 9 points.

Securities can be sold on the stock exchange in the same way as you bought them. This asset is considered to be quite liquid. I bet 10 points.

Again, if a person begins to manage his securities on his own, then he is already turning from an investor into a trader. Therefore, here we consider only passive investing. 10 points.

Pros and cons of this investment method:

Pros:

• Simple investment procedure and low entry threshold.

Minuses:

• For a beginner, this is a risky and low-yielding way to invest money.

Conclusion. If you have already decided to invest in securities, then it is better to contact a professional manager who will manage your funds for a small commission. Investing in the stock market on your own as a beginner is more like gambling than investing.

10. Real estate.

There is one stereotype among people: “ The most reliable investment of money is the purchase of real estate". But do not forget that real estate includes not only apartments, but also various buildings, structures, water bodies, forests, etc.

In general, there is some truth in this, because many people want to save up for an extra apartment by old age in order to rent it out and get a good pension increase. And in which case you can sell it and get a good capital.

You can invest in residential or commercial real estate, under construction or already built, suburban or located within the city. Ease of investment also depends on the choice of the type of real estate.

To invest in residential real estate, you will need to contact a realtor, look for suitable options, draw up a lot of documents and, possibly, make repairs. As for me, the procedure is quite dreary.

If you decide to buy commercial real estate, then the hassle becomes much greater. You will need to keep accounts, pay taxes, manage facilities, re-register energy supply. On average, for convenience, I would put 2 points.

As for profitability, you can receive no more than 1 percent per month from residential real estate with a long-term lease. This is 7-10% per year. The renting of residential facilities by the day turns into work and is not considered.

If you expect to sell it more expensive after a while, then it is far from a fact that prices will rise. In general, for profitability, I would bet 3 points.

Real estate, indeed, has a high reliability. Unless, of course, this is not an object under construction.

Even if real estate prices fall, you will continue to make a steady income from rent. For reliability, I put 9 points.

The entry threshold is high, even if it is a collective property purchase. The minimum investment amount starts from several hundred thousand rubles. I will put 2 points.

It often happens that in order to quickly sell real estate (especially commercial) you have to set a very low price. Sometimes objects cannot be sold for several months. I bet 3 points.

If we consider a long-term lease of residential real estate, then you will not have to spend much time on management. You will need to find tenants once and then collect money once a month. 8 points.

Pros and cons of this investment method:

Pros:

• Clear scheme of income generation.

Of course, here we will not talk about investing in creating a business from scratch, but about buying a ready-made company. Starting a business from scratch is hard work with unpredictable results. An investor is interested in an established business with streamlined processes that brings a stable income.

In order to find a company to buy, you can use newspapers or bulletin boards. But most often, the entrepreneur does not talk about the sale of his offspring, so as not to raise doubts among employees and customers.

Therefore, they prefer to contact broker companies that will sell their business. They also distribute information about the sale among friends and acquaintances.

Once you have found a suitable business, you will need to audit it to make sure that business processes are in order. This whole procedure for a beginner can turn into an insurmountable obstacle. 1 point for simplicity and clarity.

Super profitable businesses rarely sell, so you should count on average profitability. Of course, profitability strongly depends on the type of activity and the quality of management. I will put 6 points.

Many people think that entrepreneurs only sell unprofitable businesses. But actually it is not. The reason for the sale may be: an urgent need for money, disagreements between the owners, loss of interest, lack of time (especially if one entrepreneur has several types of business), etc.

The audit will help analyze the reliability, profitability and prospects of the business. Therefore, the chance of buying a loss-making asset is very small. I bet 7 points.

The entry threshold for this type of investment is relatively high. Yes, there are very small companies, but they cost far from a penny. Buying a profitable business with streamlined cost processes is similar to buying real estate.

Often people join groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I will put 2 points.

If you urgently need money, the company can be sold. If your business is unprofitable, then it will be difficult or almost impossible to sell it. A profitable business is easier to sell, but most often this procedure takes a lot of time. That's why 3 points.

If you manage the acquired company on your own, then turn from an investor into a businessman. Therefore, you will need to hire an executive director who will manage your business. But even in this case, you will have to control it and analyze the activities of the company.

Yes, and you will need to deal with the selection of a manager yourself. That's why 2 points.

Pros and cons of this investment method:

This way of investing money is similar to investing in a business, but with a simpler purchase and management procedure. Again, you do not need to create and promote a site. You can just buy a ready-made project.

The website itself is more of a tool than an asset. The real asset is the audience that visits this project every day. The site owner makes a profit by displaying ads, affiliate programs and other sources of monetization.

To buy a site, you can use the exchange. One of the most popular exchanges in Runet is Telderi.ru. In the list of sites for sale, you can see all the information on projects: audience size, profitability, development dynamics, payback period, etc.

The transaction is protected and follows the rules of the auction, where the site goes to the buyer who offered the highest price. For simplicity, you can put 4 points.

Usually normal sites are sold at a price equal to the income from it for 12 months. That is, if the project brings 20,000 rubles a month, then the fair price for it will be 240,000 rubles.

But in most cases, on such sites, monetization works far from 100%. Thus, after “twisting” monetization, it will be possible to recoup the contribution in 6-10 months. 7 points for profitability.

If the site is made with high quality and promoted only by "white" methods, then such a contribution can be called reliable. Of course, if you want the project to bring you profit for more than one year, then you need to carry out at least minimal work on it. But, for a year or two, the project will be enough without additional investments. 8 points for reliability.

In general, some sites are sold very cheaply. You can find it for 500 rubles. But such sites should not be of interest to the investor.

You can buy as one expensive and high-quality site, as well as several medium ones. Therefore, I do not advise you to start with too small amounts. I will put it at the threshold of entry 6 points.

If the project ceases to be of interest to you or you need money, then you can always sell it on the same exchange. For this I bet 4 points.

When buying a site that will bring you passive income, you can make a profit without doing it at all for a year or two. But, over time, without administration and updates, the project will lose its audience, bringing less and less income. I will put 4 points.

Pros and cons of this investment method:

Pros:

• Convenient investment amount for everyone.
• High investment security.
• You can develop the project, increasing profits.

Minuses:

• You need to have minimal knowledge about sites and how to monetize them, or seek help from an experienced specialist.

Conclusion. Investing in content, information and other similar sites is one of the best ways to invest. This type of investment can easily be turned into a business by working on purchased sites and increasing profits.

Which method do you like the most?

• • Experienced Investor Rules
• • Option number 1. Bank deposit
  • Option number 2. Investing in the stock market. mutual funds
  • Option number 3. Investing in the foreign exchange market
  • Option number 4. Investing in real estate
  • Option #5: Investing in an apartment building
  • Option number 6. Investing in a business project
• 5. Conclusion

Have you decided to make a fortune, but don't know where to invest your money so that it works and brings income? Are you tormented by doubts, overcome by indecision? Trust me, it's ok. Every millionaire has gone through this.

Perhaps this article will help you find a foothold and get on the path of a new life. The experience of many wealthy people who have achieved success through bold and wise investment decisions has been accumulated here. You will learn about time-tested ways of profitable investment and will be able to "try on" these methods for yourself, learning from other people's examples, mistakes and achievements. We will analyze in detail in the article where to invest money so that they bring a high percentage of profitability.

Rules and ways where you can invest money to make it work

1. Investment of funds for the purpose of making a profit - rules and recommendations of investors

Going on this voyage, you need to choose the right course so as not to run into reefs and shoals. A novice investor also needs to decide at the very beginning of his journey on the direction that will provide him with maximum returns and minimum risks.

At the same time, one should not forget the common truth: who does not take risks, does not have a chance to earn. And another golden rule of the depositor: big risks are proportional to big profits.

However, in order for the risks to be justified, the first investments must be made not in a bank, not in shares, not in precious metals, but ... into yourself. This means that a novice capitalist needs to acquire the necessary knowledge about money and the tools to work with it. Only armed with theory, many risks in the practice of investment can be prevented.

Experienced Investor Rules

Rule 1. Creating a financial cushion is an indispensable condition for investing

One of the taboos of an experienced investor is to make injections without having a reliable financial base. In this case, we are not talking about bank deposits, which are not profitable, but rather a savings instrument.

Such a financial "rear" is created by monthly saving money or by selling expensive property.

Say if you used to live on the sum 100 thousand rubles per month, then before you start investing, you must have at least 600 thousand rubles. Only those who have passive income can do without a financial pillow.

- financial flows that do not require daily efforts (profit from business, rental of real estate, dividends on shares).

Rule 2. Diversification

For cash investments to work effectively, distribute them among various investment instruments and, preferably, across different sectors of the economy.

Remember the textbook example of the basket of eggs. If it topples over, all the eggs will break. Therefore, by dividing your money and investing it in diversified areas (companies), you will not stay on the beans if one of these areas (companies) becomes unprofitable. The rest of your investments will “pull out” your funds, preventing all capital from “going to the bottom”.

Put in, let's say 30 % funds to the bank 30 % to the oil and gas sector, 3 0 % in the manufacturing sector, and 10 % - in food. In this case, all instruments in your investment portfolio - shares, rental property, profitable business, bank deposit– will be resistant to market metamorphoses.

Keep in mind that you can also buy real estate thanks to maternity capital - everything about maternity capital 2019-2020.

Rule 3. Keep all possible risks under control

Without losing, you will not earn - all investors have to put up with this condition. But at the same time, experienced financiers try to manage their funds in such a way as to lose as little as possible and earn as much as possible.

Beginners tend to overestimate their strength and flog a fever. They want a lightning-fast blitzkrieg - and often find themselves overboard. Money does not like haste and aggression.

The art of investing - this is, first of all, thoughtfulness, balance and gradual - STEP BY STEP - promotion.

It is necessary to act according to the principle: from simple to complex, from conservative to avant-garde. Start with, say, a thousand dollars and invest it in an area in which you are well versed (We recommend reading -). Renounce adventures with money borrowed at interest, investing them in one actively advertised, but rather vague "deal".

All of this could end complete financial fiasco weighed down by the unsustainable burden of credit.

Recommended! Take your time: Ostap Bender not for nothing reminded his impatient partner that "only cats will be born soon." Remember how carefully the great strategist himself carefully his strategy in order to achieve his cherished goal.

Rule 4. Look for co-investors: this will multiply your opportunities

By joining forces with other investors and creating a “common pool”, in the language of financiers called a “pool”, you will achieve the maximum return on investment.

Let's say you have a promising project or an attractive investment tool. And you don't have enough free money at the moment. The most reasonable thing in this case is to involve in this business those who will also like this investment idea, and together with them invest on an equal footing. (We recommend reading -)

Today, a popular topic for investors has become pamm accounts. We are talking about the transfer of their assets to trust management to a professional manager (trader) who receives a percentage as a reward for successful financial transactions. If the trader's management turns out to be ineffective, work with him stops.

If such a pamm account is created by several investors together and transfer their pumas to trust management, then the risk of loss is shared by all- in proportion to the invested amounts of money.

Following this investment scheme, investors, sacrificing a small percentage of their money (usually - 10-20 % ), significantly multiply their income and reduce risks.

Rule 5. Creating passive income is no less important than multiplying assets

According to well-known American entrepreneur Robert Kiyosaki, passive income is a key condition for financial freedom. According to him, assets are not only generators of income (rent, investments, business), but also its sinks (houses, cars, liabilities).

Therefore, in order to get rich, it is necessary not only to have assets, but also to master the leverage that allows you to get these assets again and again. This function is performed by passive income.

Consider this rule for good example. Let's say you invested 50 thousand rubles and a year later received 75 thousand rubles. So your money has produced 30% profit. But you have no guarantee that next time you will earn the same amount. After all, such a “fat” significantly exceeds the banking one, which means that the risks of such a way of earning are much higher. In the event of force majeure, you are threatened with the loss of most of your capital or even the loss of the entire invested amount.

Now imagine that you first created your passive income for the same 50 thousand rubles. It brings you a stable 1.5 thousand rubles a month, or 18 thousand rubles a year. You can now get a loan of 50 thousand rubles to use it as an investment. In that case, your passive income will be a reliable guarantee loan return.

2. How much can I start investing

If you want to start an investment activity with a bank deposit or buying shares, then any amount is fine. You can start with as little as a hundred dollars.

If you haven't raised your start-up capital yet, start saving for 10-15 % from your income. This is an easy way to build a financial reserve that will grow as your income grows. So you will develop a very useful habit - to control your expenses without increasing them as you accumulate money.

Mark Zuckerberg is a prime example of prudent financial management. This millionaire has a spartan lifestyle. The rich man sleeps on a mattress spread out on the floor. From the furniture I bought only a table and a chair. The founder of Facebook, Zuckerberg does not have internet access.

And this is not an isolated case of austerity among more than prosperous people. The gossip column is full of jokes about “greedy” millionaires walking around in torn socks, saving up used tea bags and contenting themselves with only carrots for breakfast.

However, what in the language of the layman is called "greed" millionaires and billionaires call "literate economy." The most successful among them have mastered the science of living within their means better than anyone else.

Strive to achieve a balance between your income and expenses - and you can become one of them.

3. Where to invest money to make it work: 5 profitable investment options

Today, novice investors have a lot of temptations. The Internet is replete with paid special courses that promise a miraculous transformation into a millionaire in a couple of days, you just need to follow their recommendations where to invest money and when to expect a profit.

However, often such “freaky” recipes are nothing more than a veiled scam, designed for naive and greedy people for easy money.

You should get acquainted with the classic ways of investing. They will allow you to invest your savings in understandable instruments, which will lead you to predictable returns and save you from excessive risks.

Option number 1. Bank deposit

This method is the most popular, but its income is minimal. But he saves money from inflation, especially when it comes to small deposits. Usually in banks, the terms of the deposit differ significantly. At the same time, each financial institution provides customers with a choice of several types of deposits.

The optimal is the interest rate on the deposit, the amount of which is not lower than the refinancing rate. In this case, nothing threatens the depositor's money. Today there are many banks in Russia, the interest rate of which reaches 10-12 % . Sberbank is traditionally considered the most reliable financial institution, although it does not have a high interest rate on deposits.

Many banks provide customers with the opportunity to open deposits in any currency: rubles, euros or dollars . In some, you can even open metal deposits ( silver, platinum, gold). Such an account holder has an income when the price of precious metals rises. True, it is not guaranteed, as the price of precious metals may decline.

For reliability, it is recommended to open a deposit not in one, but in several reputable banks at once. Unfortunately, no financial institution is immune from bankruptcy. But banks don't all fail at the same time. by the most weak link in the banking system are small banks.

In accordance with the legislation of the Russian Federation, if a bank loses its license, the insurance payment on the deposit is equal to one million rubles, i.e. amount in 1,000,000 rubles you will definitely receive from the state. This guarantees the clients of the failed bank the compensation of their funds, if the amount of the deposit did not exceed the insurance.

Advantages and disadvantages of investing in a bank deposit

Advantages of a bank deposit (+):

• accessibility and simplicity;
• low risks;
• high liquidity (there is always an opportunity to withdraw money);
• the threshold for investment is minimal (an amount of a thousand rubles is enough).

Flaws (- ):

• low level of profit;
• loss of income due to early withdrawal of funds.

Option number 2. Investing in the stock market. mutual funds

Stock market is a place for buying and selling securities: stocks, futures, bonds, etc.

This is a vast field of activity for those who have free assets and rely on large returns, while taking into account the multiple risks lurking in operations in the stock market.

According to the duration of investing money in securities, investors are divided into long-term, medium-term and short-term (speculators).

The first type (long-term) includes investors who make purchases for several years in the long term. The most successful investor in the world, Warren Buffett, belongs to the cohort of these investors.

Medium-term investors buy securities for several months or weeks, while short-term investors hold purchases from several weeks to a couple of minutes.

You can manage your investments on your own, or you can contact a reliable brokerage company or entrust the trade to a trader. In addition, there are mutual funds (mutual funds) where money is invested.

Let us dwell in more detail on this new form of collective investment for Russians.

mutual fund - these are the funds of several investors who have combined their securities into one investment portfolio and transferred them to trust management of the manager company.

Mutual funds are open , closed and interval .

With an open fund the investor (depositor) can sell or buy his share on any day, with interval- only at certain times (several times a year), and closed- exclusively at the end of the project.

As investment instruments in a mutual fund can be: cash, bonds, shares, real estate. The most popular funds are mixed investments.

Shareholders' income is determined by the increase in the value of their shares, which can both rise and fall depending on fluctuations in the market value of securities. Therefore, shareholders bear the risk of losses, because the profitability of the fund is not ensured either by its management company or by the state.

Each investor of the mutual fund receives income exclusively from the reverse sale of their shares. If the market value of the shares or bonds included in the fund increases, the value of the units also increases. At the same time, the activities of the management company are controlled by the FCSM, due to which the funds of the shareholders cannot “disappear in the fog”. In the event of bankruptcy of the management company, the mutual fund does not “evaporate”, but is transferred to the disposal of another company.

To compensate for the costs associated with the issuance and redemption of shares, usually introduced surcharges on the value of units at their issue and discounts at their redemption. The increase in the acquisition of shares practically reduces the number of shares recorded in the register of the shareholder. And the discount reduces the amount of money given to him in the event of redemption of shares. This is the direct cost of the shareholder. The maximum allowance does not exceed aet 1,5 % from calc fixed value of the share. The maximum amount of the discount is not higher 3 % from the estimated value of the share.

At the expense of the property of the unit fund, monetary remuneration is paid to the management company, depository, registrar, appraiser and auditor. Their sum is not more than 10% from the annual value of the assets of the mutual fund. In addition, investors pay taxes on their income received in the fund. Residents of the Russian Federation pay tax at a rate of 13%, non-residents - 30%.

Advantages and disadvantages of investing in mutual funds and the stock market

Advantages (+):

• small amount of initial investment (from a thousand rubles);
• a wide range of investment instruments;
• a sufficiently high percentage for each reporting period;
• receiving dividends;
• self-compilation of an investment portfolio, allowing you to correlate risks with projected returns;
• information openness: the management company regularly publishes full reports on its activities.

Disadvantages of investing in the stock market and mutual funds (-):

• the complexity of the investment procedure;
• high risks (there is no 100% guarantee of profitability);
• the need to acquire special knowledge in case you have to manage an investment portfolio yourself

Option number 3. Investing in the foreign exchange market

The English word "FX-market", or "Forex" (in Russian Forex), refers to the global currency exchange market. All types of currencies are converted here. This is a real Klondike for traders-speculators who make most of their trading operations during the day. This allows some of them to multiply their capital several times in just a few weeks. We recommend reading - what is Forex and how it works in. From the article you will find out whether it is possible to earn money and whether it is realistic to do it without investments.

However, in Forex you can both earn quickly and a lot, and lose everything overnight. Huge risks always accompany crazy luck here. The sphere of foreign exchange deposits is favorable only to professionals with deep knowledge in the field of finance. If you want to learn more about how to trade in the Forex market, then read.

Fortune smiles at Forex also to emotionally stable individuals. Therefore, the first to lose their money here are newcomers. They tend to squander quickly and rarely come back after the first major setback. Only those who believe in luck remain, distinguished by diligence, iron discipline and vigilance.

We advise! You need to be extremely careful about the numerous offers of Forex brokers. Among these companies, there are many that, by concluding a contract with you, are not going to bring your trade deals to the real market. As a result, all your money will smoothly flow into their accounts, and you will remain in the cold.

To prevent this from happening, before making a responsible investment decision, “probe the soil” well: monitor customer feedback, visit the office of a brokerage company, get acquainted with the management - in a word, make sure that the assistant you choose really trustworthy.

Advantages and disadvantages of investing in Forex

Advantages of investing money in Forex (+):

• a small amount to enter (from hundreds of dollars);
• the opportunity to earn a lot and quickly;
• a wide range of currency pairs for trading transactions.

Flaws (- ):

• the need for special knowledge and technical skills;
• extremely high risks

Option number 4. Investment in real estate

Both commercial and residential real estate, as well as a water body, a ship, a land plot, an aircraft and even a spacecraft (in accordance with the Civil Code of the Russian Federation) can act as an investment instrument.

It is clear that the more expensive the property, the more profit it will give, but at the same time it will require more literacy from the investor.

Advantages and disadvantages of investing in real estate

Advantages (+):

• the opportunity to have passive income by renting out real estate;
• the opportunity to make good money when selling real estate;
• the right way to save money during inflation;
• the possibility of targeted use of tangible assets (real estate is square kilometers where you can place your own business or use them for living).

Disadvantages of investing in real estate (-):

• a fairly high entry bar (from hundreds of thousands or more);
• low level of liquidity (difficult to sell quickly without significant loss of value);
• susceptibility to damage and even loss (natural disasters, accidents, damage by unscrupulous tenants), which requires the allocation of additional funds for the insurance of tangible assets.

Option number 5. Investing in an apartment building

In general, this is a type of investment in real estate, but it should be singled out separately due to the many features of such an investment scheme. Unlike the usual investment in housing, which you can later resell, investing in an apartment rental building allows you to start making a profit in 2-3 months and achieve a cash flow of 100-300 thousand rubles per month.

The meaning of this investment scheme is that you buy or rent big house, cut it into apartments and start renting out all the housing separately. The scheme brings much more profit than renting the entire house to one family. Of course, this way of investing requires preparation and careful planning. We advise you to use our free business plan on how to create an apartment building and start making money from it.

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Business on tenement houses from scratch

Watch a video from a successful investor who has already started making money on the created apartment building:

Option number 6. Investing in a business project

If you have commercial experience and you are not deprived of an entrepreneurial spirit, then investing in a business - your own or someone else's - is one of the best decisions. True, there are pitfalls here, but they can be easily avoided if you have the financial reins of government in your hands.

But you and only you will determine the direction of cash flows, which will ensure the maximum return on them. No wonder many financiers believe that investing in your own business is the main condition for its rapid rise and flourishing.

Investing in your business is a profitable and correct investment

Advantages and disadvantages of investing in your business

Advantages (+):

• the ability to effectively build business processes and regulate them through the possession of monetary leverage;
• the ability to easily and quickly find co-investors and thus attract solid capital to the business;
• advantages in obtaining a loan compared to other investment.

Disadvantages of investing money in your business (-):

• high risks in the conditions of market competition, requiring business insurance;
• low liquidity: many assets, such as equipment, are difficult to sell without significant loss of time and money;
• the possibility of losing a share in the business when co-investors are attracted to it.

4. Where not to invest money

You should not tempt fate by trusting your savings to the authors of dubious projects (casinos, slot machines, all kinds of pyramids) and other adventurers “from the big road”. Contacting them is like stealing from yourself.

Particular care should be taken towards businessmen who are in conflict with the Criminal Code: drug dealers, arms dealers and other contraband, brothel organizers, owners of front companies.

It is also better not to have anything to do with real estate scammers. Otherwise, you will be involved in their corruption schemes or become accomplices in such morally unacceptable acts as, for example, the eviction of lonely elderly people.

It is unlikely that a normal person needs money at a similar price. Moreover, there are many other - honest, socially acceptable, not contrary to human morality - ways to make money. Engage in them, you will not only gain financial well-being and independence, but also a reputation as a worthy person.

5. Conclusion

The expression “movement is life” is suitable not only for a living organism, but also for money. If they do not move, do not work - they weaken, become smaller and disappear. Losing their activity, they become dead capital, victims of inflation.

In this review, we talked about the main and popular ways to invest your money, and also considered the rules and recommendations of successful investors who have gained financial independence

In this article, you learned about the most popular methods of investing free money that allow you to increase your capital; reviewed the basic principles of investment; got acquainted with examples from the life of the most successful millionaires on the planet.

Now that you have become a financially literate person, become rich