Where to invest money to make a profit is the most profitable investment. Where to invest small money to increase your capital? Basic properties of personal business

People become rich not so much because of huge salaries, but because of wise investment of their monetary assets.

Even a small start-up capital can be turned into decent income if you choose the right investment object.

If you think where to invest money In order not to lose them, but, on the contrary, to increase them, you are doing absolutely the right thing.

Money should not lie like a dead weight and be spent on all sorts of nonsense, but work for your future.

The last few years have not been easy for investors due to the economic crisis.

Banks were closing, the dollar exchange rate was making incredible leaps, the foreign exchange and stock markets were in a fever, businesses were suffering losses.

Experts say that 2017 will be the beginning of a recovery from the economic crisis and will give a lot in terms of stabilizing the economy.

That is why you should start thinking now about where to invest money, so as not to take unnecessary risks, but at the same time increase your capital.

Financiers do not skimp on useful advice for those who are thinking about where to invest money:

1. Consider as many options as possible, make a list of the ideas that are most attractive to you, and then decide where to invest your money.
2. Invest only your own money; borrowing to invest in something is unwise.
3. To get free money for investing, you need to reduce your expenses by 30% and increase your income by 20%. With this approach, even people with average incomes can collect over $1,000 to contribute in a year.
4. If you have a sufficient amount, then it is better to invest money in different objects, so you can protect your investments.
5. Collect as much information as possible about the object (or objects) in which you are going to invest money.
6. If you yourself cannot understand the issue of investment, choose traditional options (such as real estate or a bank deposit) or look for a specialist for trust management.
7. Don’t plan how you will spend the money you earn through profitable investing, wait for real income.

Where is the best place to invest money if you are a traditionalist?

Traditional methods of investing money include those that

And their distinctive feature is ease of implementation.

Indeed, every person can open a bank deposit.

But if you really want to invest money wisely, then you need to remember that even traditional investment objects have their own characteristics.

Option #1. Bank deposit

A bank deposit is perhaps the easiest way to invest money, but it won’t help you significantly increase it, but saving it is always welcome.

In 2017, both foreign currency deposits and accounts in national currency will be equally profitable (although, if compared in terms of profitability with other investment objects, they will not be so profitable).

The most difficult thing is that it will remain afloat even in times of crisis and will not lose the money of its investors.

According to Vitaly Shapran (analyst at RA Expert Rating), it is better to choose either a state bank or a bank with foreign capital to store money.

The most reliable Russian banks where you can invest money:

The most reliable Ukrainian banks where you can invest money:

Option #2. mutual fund

Don't let this scary abbreviation scare you; behind it lies a Mutual Investment Fund.

This company is engaged in investing the money of its investors in a variety of objects.

The manager decides where it is best to invest funds.

Payments to investors are calculated according to the invested amounts.

It is somewhat similar to a bank deposit; by the way, many banks offer their investors to invest money in a mutual fund, but its profitability is much higher (on average 40–60%), and the risks are greater.

In order not to lose your money, it is better to invest in large mutual funds that have been operating on the market for a long time and have earned positive reviews from real investors.

You can choose, for example, one of these:

Option #3. Precious metals

Trading gold on exchanges today is not a very profitable business, but this does not mean that precious metals have ceased to be considered a profitable object for investing money.

You just need to think everything through to ensure maximum profit.

You can invest money in precious metals by purchasing:

• gold bars in the bank (remember that such investments are subject to taxes);
• products made of precious metals and stones in jewelry stores (they will definitely increase in price in a few years);
• commemorative coins (in Russia they are sold by Sberbank, in Ukraine - by the National Bank);
• an impersonal metal account in which gold is used instead of a foreign currency deposit.

Option number 4. Real estate

Real estate and land are something that is constantly growing in price and is always a profitable object for investing money.

The most difficult thing is to choose a real estate property that will bring the greatest profit in the future.

As for land plots, the most promising are those that:

• contain minerals;
• adjacent to a city that is rapidly being built;
• attractive for constructing houses and other buildings.

But when buying an apartment or house, the main thing is to buy real estate as cheaply as possible, so that in the future you can sell it for as much as possible.

You can even not immediately resell real estate, but rent it out, receiving a good monthly profit.

Option #5. Business

If you are concerned about where to invest money, have an entrepreneurial spirit, promising ideas and enough free time, then it is best to invest in your own business.

To invest money in your business:

1. Come up with a startup depending on the amount you have.
2. Write a specific business plan with real numbers.
3. Think about advertising and benefits that will distinguish you from your competitors.
4. Use innovative methods in your work, strive to increase profits.
5. Don't give in to difficulties.

Where is the best place to invest money if you are looking for something new?

If you are tired of traditional investment options with minimal financial rewards and are looking for innovative tools where you can invest your money, take a closer look at these offers.

Method number 1. Binary options

This is one of the types of Forex trading, so if you don’t know anything about currency trading, then you need to either hire an experienced trader or look for another object where you can profitably invest money.

The essence of this tool is as follows: you buy a ready-made option that predicts either a rise in price (Call option) or a fall (Put option).

If your bet works, then you get a fixed amount of money, if it doesn’t work, you get nothing.

It is possible through OLYMP TRADE or Iq option.

The latter, for example, has on its website many admiring reviews from traders, and one of the authors of the portal MR. MONEY believes that Iq option has the simplest and most intuitive interface of all resources.

He also provides screenshots of his binary options trading on this platform:

Method number 2. Internet projects

The Internet today offers excellent opportunities to invest money profitably.

It is profitable to invest money in a website:

• any topic in order to monetize it and earn money from advertising;
• SPA - sharpened under;
• MFA – resources that allow you to earn money from contextual advertising;
• for links (temporary or permanent storage for links), etc.

Method No. 3. PAMM accounts

PAMM accounts are somewhat reminiscent of mutual funds, but the money is managed by one person - a professional trader who decides which currencies or shares to buy.

If, you can earn 80–100% per annum, although, of course, this instrument is not without risks.

By choosing one of these PAMM accounts, you can invest even small amounts (for example, 10 - 20 dollars), and at the end of the year you will already earn 20 - 40 dollars; naturally, the larger the amount you invest, the higher your profit.

Where to invest small money? Into yourself beloved!

If you don’t have much money, but you really want to invest it in something good, the most reasonable option would be to invest in yourself: in your health, education, broadening your horizons, appearance, etc.

These investments will definitely pay off in the future, because they will help you get a good job, make a career, attract the attention of the opposite sex, and live a long and happy life.

You can't save on yourself at all.

You cannot tremble like Gobsek over every penny, but at the same time look like an incomprehensible something, eat poorly, ignore the symptoms of diseases, do not understand the need for education and self-education, and never go anywhere.

Investing money in yourself is the smartest thing you can do during a crisis.

1. Travel

Travel is different.

If you choose the all-inclusive option to Turkey or Egypt, then such a vacation will be of little use to your mind and horizons.

Well, you'll gobble up free goodies, well, you'll lie down like a seal in a deck chair.

Yes, you will improve your health a little (if you do not abuse alcohol and sunbathing), but traveling should benefit not only your body, but also your soul.

It is better to invest money in:

• a health tour, for example, to some sanatorium, which will help solve a number of health problems;
• educational tour, for example, one that introduces the world's main attractions, objects of art, architectural masterpieces, heritage of mankind, etc.

2. Education

If you do not have a higher education, but have money, then it’s time to become a student at some university.

A higher education will help you find a good job, and you shouldn’t even think about a decent career without a diploma.

If you have a higher education, you can invest money in:

1. A second higher education, sometimes this is where changes in life and a new career turn begin.
2. Courses - computer, driving, design, etc.
3. and master classes.
4. Books.
5. Training videos and much more.

You will also understand why it is worth investing in yourself by watching this video:

3. Life insurance

This investment property has long been popular abroad, but here it is not yet in deserved demand.

When looking for better options to invest money, most people don’t even know that endowment life insurance exists.

But endowment life insurance (CLI) has a number of advantages:

• this money is not taxed;
• no one (including the state) can take them away from you;
• they are not affected by inflationary processes;
• insurance payments begin to apply after the first payment;
• you ensure your old age and solve a number of problems associated with disability, etc.;

Almost all major banks offer their clients to enter into an agreement on the NJ, so you don’t have to look long for where to invest your money.

The contract is drawn up for a fairly long period (usually 10–35 years).

You transfer a stipulated amount monthly/quarterly/annually, and upon expiration of the contract or upon the occurrence of an insured event, you receive a large sum of money.

4. Health

Complete treatment of diseases is a very big luxury today.

It’s much cheaper not to neglect yourself, so that you don’t have to pay doctors a tidy sum of money in the future.

Investments in your health should be continuous and you should not skimp on this under any circumstances.

You can invest money in your health:

• eating right;
• taking vitamins;
• playing sports;
• performing preventive examinations with a dentist, gynecologist and other doctors;
• without self-medicating: if alarming symptoms occur, you need to make an appointment with a doctor;
• getting enough sleep at night;
• resting enough so that the body has time to recover in the periods between work.

There are other options, where to invest money: antiques, hedge funds, cryptocurrencies, HYIPs, mobile applications and much more.

You just have to search hard and you will definitely find a profitable investment opportunity.

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Smart investing is the key to a highly secure future. By placing free money in promising investment projects, you have the opportunity to significantly increase your wealth. What instruments are potentially profitable and what kind of profitability they can bring to a novice investor, we will analyze in detail in today’s article.

You can invest your free money in these projects:

Sources of investment

The question of where to get free funds is asked by those people who are already thinking about their future. As you know, there is no such thing as too much money. Therefore, if you do not purposefully take measures to accumulate capital, then there will be nothing to invest. So where can you get free money to invest?

Let's consider 3 reliable options:

1. Save 10-20% of your salary . This option always works. It is important to determine how much money can be withdrawn without consequences. If you find it difficult to save money and the temptation to spend it is great, you can start. True, there are not many options and they are not so profitable compared to investments of 100,000 or more. But you can view investing a little money as a temporary milestone that will take you to a big goal.
2. Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can donate initial capital to a good cause free of charge.
3. Additional income . As sources of additional earnings, you can consider overtime work at your main place of work or short-term options with low pay. Of course, you will have to work more. But it's worth making the effort to earn passive income in the future.

TOP 17 ways to invest free money

So you have some capital and you want to make it work. Below is a list of 17 working ways where you can invest your free money. All you have to do is adapt them to suit yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

It makes sense to invest free money in a bank when you need to save up an emergency reserve just in case. In addition to time deposits, interest on contributions is quite cheap. Therefore, you should not count on good dividends even from a large amount. Anyone who decides to place savings in a bank account amounting to more than 1,400,000 rubles needs to divide it and put in different jars . To in case of default the state reimbursed the investment in full.

2. Securities

Shares are one of the most attractive, but also the riskiest options. As practice shows, it is better to entrust the management of securities to experienced professionals, although they cannot guarantee income. The peculiarity of this method is that there is no upper ceiling for profit or loss. In each case everything is individual. Of course, you can predict the main trend based on past experience, but this does not always work.

Read our review about how to avoid mistakes that 90% of novice investors make, and.

3. Real estate

It’s a fairly popular method to spend free money. After all, investing means getting the opportunity to quickly earn income and cover mortgage payments with it. However, it must be taken into account that if the apartment is not rented out for some reason, money must be paid from your own pocket. In the case when housing is purchased with your own capital, you will receive a stable profit with minimal risks. It is most profitable to rent out an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to make money on shares of popular companies, banks and corporations. The way options work is structured like this: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the rewards can reach 70%.

Making money on options depends on whether or not you guess whether the price of a stock will rise or fall at a certain time. You can buy them at different times, ranging from 1 minute to months.

Option investing is done through a broker and requires knowledge of the basics fundamental and technical analysis.

5. Microfinance organizations

7. Business

One of the most controversial investment options. On the one hand, with the right choice of niche, it can bring the greatest profit to its owner. On the other hand, you cannot hope for long-term income without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face strict restrictions from the franchisor.

Read separate publication, and you will find out what other pitfalls await you in.

8. Precious metals

13. Own website

Creating a website is one of the most popular ways to invest savings and for this there are a number of reasons:

• small initial investment;
• efficiency of creation;
• you can start earning money right away;
• passive income in the future.

With all the advantages, it is worth considering that competition in this area is huge.

And before starting a project, you need to understand all the possible methods of monetization and promotion. Ideally, the investor should deal with these issues independently, then the income will be maximum.

14. Social networks

The topic of making money from public accounts on social networks does not lose its relevance. There are active discussions on the Internet about whether it is still possible to make money from your group or whether the train has already left. It is difficult to answer this question unambiguously. In any case, those who started a couple of years ago have clear advantage. In general, everything depends on the investor’s organizational skills and experience in promoting projects.

In any case, doing social networks yourself, you won’t need a lot of money. If the circumstances are successful, you will receive a good income from selling advertising; if the experience is unsuccessful, nothing will prevent you from selling the unprofitable group.

15. Education

At the beginning of your career, it is very important to invest in gaining knowledge. New skills provide an opportunity to establish yourself as a competent specialist and earn more money for a comfortable life in the future.

16. Structured products

A stable way to invest your savings, which gained popularity at the height of the crisis and is still in use today. The idea is to divide your capital and invest the bulk of your investment (80%) in bonds and the remainder (20%) in futures and options. This combination allows the investor, if successful, to receive up to 40% profitability, and if unsuccessful, to remain with his funds.

Pay attention to the comparison table below (click on the image to enlarge it):

Based on it, we can conclude that structured products have the highest returns with relatively small investments.

Profits may be higher if we are talking about, but it is important to carefully monitor news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal with the aim of increasing it as a result of trading activities on Forex. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. If you lose, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.

Conclusion

As you can see, there are many worthy options where you can invest your free money. The threshold for entry into the listed alternatives is affordable, so you can try all the tools and determine the one that suits you with virtually no monetary losses. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.

Hello! Today we'll talk about where to invest money. Do you have a certain amount of money and want to increase it with minimal risks? Where to invest money with maximum benefit? What principles guide experienced investors? You can find out more about all this below. Do not neglect this information, because the best investment is an investment in the form of knowledge.

Financial cushion

Where is it profitable to invest money?

There are many ways to invest. Among them there are not entirely legal methods and projects that are aimed at extracting money from illiterate and gullible investors. How not to get confused in all the variety of offers and not run into a scam.

Let's talk about where is the best place to invest money?. Let's consider traditional investment methods that have already been tested by time and experienced investors. The risks are moderate, and the profitability is quite predictable.

Invest money in bank deposits

Invest money at interest in a bank- the most common method, but due to the high level of inflation in the country, it cannot be called super profitable. At best, you can count on maintaining your funds at the same level as at the time of deposit.

The Russian Federation recently adopted a law that guarantees the depositor payment of 1 million rubles (instead of 700 thousand previously established) in the event of bank failure. Provided that the bankrupt financial institution has a banking license.

Sberbank is one of the most popular banks in Russia, but it cannot boast of high interest rates on deposits. If you are interested in the question of where to invest money so as not to lose, this option is for you. Here the level of risks is the lowest. After all, this is one of the most reliable and time-tested banks. In addition, here you have the opportunity to invest small amounts of money, with almost a full guarantee of return.

What are the advantages of investing money in a bank?

1. Small chance of losing money.
2. You can return funds at any time.
3. You can start with 1000 rubles.
4. Simple rules and clarity of the whole process.

The disadvantages are obvious:

1. perhaps the lowest profitability of all possible investment methods;
2. If funds are withdrawn early, interest is lost.

Bank deposits are divided into several categories depending on the term:

• Time deposits - funds are kept in the bank for a certain period of time; if money is withdrawn ahead of schedule, the bank imposes penalties on the depositor. This may include deprivation of part of the interest on the deposit. The contract may set a period during which money will be returned in case of early termination of obligations.
• Permanent deposits - the agreement in this case is free from strict mandatory deadlines. You can withdraw money at any time. But a small account balance is expected so that the contract does not terminate. If there is no balance, then next time you will have to sign the contract again.
• Deposits with monthly accruals on the account. In this case, interest is transferred to the depositor every month. Funds can be withdrawn or retained, thereby increasing the amount on which interest will accrue.
• Deposits with interest payment only upon expiration of the period specified in the agreement. You can enter into an agreement for a year and receive interest only after this period, not earlier. Such deposits can be made for any period - a month, six months, a year or more.

Invest money in stock markets

Stock market– the second most popular way of investing. It is based on the purchase of securities (bonds, stocks and futures).

Allows you to get much more income than from bank deposits. However, relatively significant risks must be taken into account.

To invest in this area, it is useful to contact special brokerage companies or banks that deal with the stock market and operations on it. Today, the most famous brokerage companies are Aton and Otkritie. These are reliable systems with minimal risks to invest money in Russia.

You can invest for short periods, and then such investors are often called speculators. They sell and buy securities in a matter of minutes, a maximum of a week.

Medium-term investors hold stocks for several weeks to months.

If shares are purchased for several years, then this is a long-term investment.

You can manage funds yourself, or you can turn to traders or specialized funds. The latter includes PIF - mutual investment fund. This organization itself forms an investment portfolio consisting of shares, deposits, bonds and other things. He independently sells these shares, or shares in other words.

Certain periods are established, after which the investor receives interest in accordance with the size of the contributed share. But the fund can also bring losses if the income is less than the amount of investment.

The main advantages of investing in funds:

• the percentage of profit is higher than from bank deposits;
• you can invest in different instruments - types of securities;
• You can create your own investment portfolio by studying in detail the ratio of income and risks. In this case, there is a possibility of investing money very profitably.

Disadvantages of stock markets:

• the process is not as simple as bank deposits;
• the risk of losing funds is increased;
• If you engage in independent investing, you need special knowledge.

Shares are securities confirming the right to participate in the authorized capital of a company. They bring their owners part of the company's profits. This is a chance to invest today in order to get possible profits in the future. Large profits are a characteristic feature of such investments, but there remains a risk that the company may go bankrupt.

In this matter, it is important to learn how to make a forecast and cash out money on time. As soon as the company begins to lose its position.

Invest money in Forex

I myself previously learned to trade on the stock exchange and got a little hooked on Forex. Believe me, there is nothing to do there without knowledge and trading skills. Before my eyes, 90% of people lost money, 7% worked for zero and 3% made money. True, there are examples of those who do not earn a lot from this, but these are a few. If this activity interests you, then try it!

World global currency exchange market - Forex. The whole principle is to exchange almost any monetary unit. Most transactions take place in one day, and speculative investors earn money on them accordingly.

Forex is designed to make money in the shortest possible time. But the risks are enormous. In the same few days you can lose all your capital.

Currently, there are special companies - Forex brokers. They offer Forex services.

Here you need to be as careful as possible, because fraudulent companies have appeared. They create special programs that simulate trading on the world market. As a result, the investor plays some fictitious game on his computer and, of course, loses all his funds.

Before contacting Forex brokers, you need to read reviews about the company, visit the office, and make sure by any other means of reliability.

Advantages of the Forex market:

• relatively small initial funds (minimum $100);
• quick earnings due to high leverage;
• There are enough investment instruments and they correspond to currency pairs.

The disadvantages are the very high risks of losing money in a short period of time. Investing requires considerable knowledge and skills, which are acquired with great difficulty over many years of hard work. According to statistics, only 2-3% of traders trade profitably. Newcomers, inspired by beautiful stories, always believe that they will definitely fall into this cherished 2-3%. Don't flatter yourself, they will drain everything in the shortest possible time. Only by devoting a lot of time and effort to this business, learning to control risks and mastering your emotions, can you have a chance to start earning money.

Investing in PAMM accounts

Successful traders offer services for depositing funds on Forex. It’s convenient because you don’t need to learn the rules of investing and study all the intricacies of successful investments.

You can easily receive from 4 to 7% profit per month. The whole point is to transfer finances to the manager. He, in turn, makes the money work, and the profit is usually divided in half 50/50. If you invest a lot of money, the investor can get better conditions. For example, 70/30 of the profit in favor of the investor.

There is also always the opportunity to invest money at an expected high interest rate if the manager uses aggressive trading strategies. People often invest money in such managers. But do not forget that your risks of losing funds also increase greatly. By the way, in PAMM accounts you can invest money on the Internet, without having to go anywhere.

All money is kept in the collection agency, so there is no risk that the manager will appropriate all the funds and disappear. He is interested in making a profit. His income depends entirely on how he manages to work in the stock market.

A natural question arises: where to invest money to make it work?, and where to find an intelligent manager.

There aren't many options.

An easy way to invest if you have enough funds to purchase residential space or commercial real estate. The latter will provide more income, but will also require certain knowledge and literacy.

Real estate is not only buildings, but also land, quarries, lakes, boats, airplanes.

This is not always a tool to make money, but a good tool not to lose! Real estate is always at a premium. Moreover, the price is always rising. Secondly, you can not just buy it and wait for growth, but also actively use it to earn money. Can be rented out or used for your own business. In any case, real estate is an excellent investment and not only in 2017-2018.

Moreover, you can buy both residential and commercial, although now I would place more emphasis on commercial real estate. It is also profitable to buy private houses in poor condition with the aim of building new real estate on this territory. In our city this direction is actively developing and we also partially participate in this;)

Positive sides:

• the opportunity to receive passive income;
• you can make money on the difference between the purchase and sale prices;
• a good way to save money and protect it from inflation;
• real estate is a tangible asset that can be used for a business or for homesteading.

Negative sides:

• you need to have a large initial capital;
• cannot be sold quickly without loss of market value;
• Damage to the asset by tenants, flood, fire, and so on is possible. The solution is insurance, which will require additional costs.

You can invest money in real estate in Russia. According to statistics, apartments that are small in size but located in a prestigious area are in great demand. The cost is not so high, and repairs will be inexpensive; you don’t need to buy a lot of furniture. If you rent out such apartments, you can get up to 20% per annum. Payback occurs in 5-10 years.

There is a minus - it is difficult to find permanent tenants. The property owner has to periodically find tenants. If the apartment has a large area and rooms are not rented individually, then such housing will bring up to 7% per annum, the minimum payback period will be 10 years.

When buying and selling real estate, you need to be especially vigilant. Pay attention to the property documents and the contract. It is better to contact well-known real estate offices with a good reputation and a notary.

Invest in private lending

Such investments will bring high returns, up to 50% of net profit. Private lending today is developing at a rapid pace. But the risk in this matter is huge - the borrowed funds simply may not be returned. No competent and clear agreement and careful selection of applicants provides a great guarantee of a refund with interest. It makes the most sense to engage in microcredit. When amounts of money that are not very large are issued for short periods of time.

A similar opportunity is available on the WebMoney website. Loan amounts and terms are small, interest rates are high. If you learn to distinguish a solvent person from a bankrupt or a swindler, you can make good money. However, online lending is also a riskier activity compared to conventional lending. Sometimes the borrower’s passport is even unknown.

Another convenient platform for borrowing activities is the BezBank platform. Conditions for investors are attractive. You just need to register and submit an application for readiness to provide a loan. People who need money find offers, and the lender dictates his own rules - the interest rate and terms of the transaction.

A candidate for a loan is verified based on two indicators: the activity rating on the site and the level of trust in other lenders. Situations that are out of control are regulated by the collectors office. It is tied to this project.

You can also invest money here to make a profit. Even if you invest a small amount of money, you can still easily and quickly earn 50%. For example, having lent 10 thousand rubles, seven days later 15 thousand are returned.

For a person with an entrepreneurial spirit, there is no better way to invest money. Risks, of course, remain, as with any investment. But they can be easily learned to manage. The businessman himself decides where to allocate funds so that they work and make a profit.

I think investing in myself is more optimal, maybe because I’m not an investor. In my business, I am responsible for my investments; in fact, I invest in myself, and this is a big plus. Of course, there are downsides here - you have to work! But I have always invested and will continue to invest in myself and my projects!

• Cons: You have to work, there is a risk of going broke, this is not exactly passive income.
• Pros: You control the situation, there are no limits to your income.

Almost any business requires start-up capital; if you don’t know where to get it, we recommend reading the following articles:

Effectively invest in a ready-made business that generates income. Additional investments in this case will only increase existing profits.

It is much easier to attract co-investors in business projects. It's easy for business. These are all positive aspects. But there are also negative ones:

• the risk still remains high;
• if this is a business project, then there is a risk of losing a share;
• It is impossible to sell assets in a short time without loss in value (products, equipment).

Investments in precious metals

This is the most ancient way of investing. It so happened that banknotes are tied to gold. In the second half of the 20th century, gold ceased to be a guarantor of currency. But precious metals are still able to preserve and increase capital.

There are three common ways to invest money to make money on precious metals:

• purchasing futures or shares, related funds and companies;
• contribution to impersonal metal accounts;
• purchase of bullions from precious metals.

With the last method, everything is clear: you need to go to the bank and buy bullion there. The remaining 2 options require detailed explanations.

An impersonal metal invoice is an invoice that shows how many grams of metal were purchased by the client, but without indicating the sample, serial number and manufacturer.

Futures represent a contract for the supply of metal in a specific quantity. You can buy them on exchanges. Thus, by purchasing a contract, the investor becomes the owner of a batch of metal.

This type of deposit promises high stability. This is a good way to invest your money now to save it and beat inflation.

Investments in antiques and art objects

This option is more for those who know a lot about it! And whoever knows will understand. There are always people who look for rare things and buy them. And this pleasure costs a lot.

Example. Once, a friend of mine bought a GAZ 21 Volga car in good condition. In our city a couple of years ago you could buy thousands for 50 rubles. He repainted it, installed a BMW engine (not new, of course) and an automatic transmission, tweaked the interior, and generally put it in order. He did it for himself, but the other day he was offered 800,000 rubles for it. He Googled it and gave up because it was also cheap! The investment, according to my rough calculations, is 300-400 thousand rubles, and the output is 800 thousand rubles. If you do this thoroughly, you can make good money.

This is just an example from life. There can be many options.

To implement this method, considerable free funds are needed. But rare collectibles and paintings become more expensive every year. An antique is considered to be something over 50 years old. Not every item can become valuable over the years. These can only be antiques that have artistic and historical value. You can only make a profit from antiques that are recognized by leading art connoisseurs and scientists.

You can buy and sell antiques, art objects and collections at auctions and exhibitions. There are also specialized stores.

This type of investment has one significant disadvantage - fakes and scammers. You definitely need an expert with special equipment to distinguish the original from the fake. Before investing money in a particular piece of art, it is imperative to carry out an examination.

Investments in intellectual property

A patent can be obtained for a specific technology or invention. This is done to prevent other persons from using the intellectual property without the permission of the author or inventor.

Then, if this invention or technology is introduced into production by someone for the purpose of making a profit, you will receive your percentage in the form of passive income.

This method is beneficial for people who know who in the future may need this or that technology, and to whom it can be offered for use. The same applies to trademarks and brands. All this is called intangible assets, that is, assets that cannot be touched.

You can receive passive income or make a profit from reselling a trademark.

There are also risks: you may not find tenants or those willing to use this or that technology, patent, or trademark.

Invest money in internet projects and startups

One of the most profitable ways to invest money. At the same time, it is not necessary to look for Internet projects and invest money in them, giving funds to unknown people. Money can be invested on an investment platform with a license. The whole process is legal.

For example, the Share In Stock exchange, where business owners present their projects online. Investors can invest money in these offers and receive income in the form of monthly payments.

The advantages of this type of investment:

• minimum down payment – ​​$1;
• the opportunity to make a profit of 50-100% per year;
• a large selection of projects for investment.

Negative sides:

• risks, possible bankruptcy of the project;
• knowledge in the field of marketing and technology on the Internet is required and an understanding of whether the project will be of interest to the audience;
• if there is no certain knowledge, then you need to hire a project manager.

– a commercial project involves small investments that will pay off in a short time.

Investing in innovative startups is a profitable solution. You can find ideas on a special exchange, where you can also publish your startup. Napartner is the first exchange that united thousands of people from all CIS countries. Among the participants there are many successful people, entrepreneurs, managers, directors and heads of successful companies. Goals of this project:

1. help any startuper find funds for his project in the form of contributions;
2. help investors place their funds in profitable projects and receive income.

Why is investing in Internet projects so attractive to investors of any category? Because a person who decides to engage in this type of investment is not required to:

1. Connections with the “right people”;
2. Availability of large capital to start construction of the project;
3. Higher education and professional knowledge in the field of investing.

Investing in the Internet is available to everyone, regardless of gender, age and social status.

Investments in information sites

Speaking about where you can invest money, do not forget about information sites that are gaining momentum. Good, high-quality websites with an active audience in large numbers are expensive, but they also bring their owners good money from advertising. Here is an example of a site that is sold on the exchange:

As we can see, it brings in 31,800 rubles per month, is sold for 1,281,250 rubles, but its optimal price is 1,050,000 rubles. Payback in 2 years maximum. This is despite the fact that it was not even actively monetized. I know the seller of the site. Having purchased 3-5 such sites, you can continue to develop them and earn good money. In a year or two, the site will pay for itself and will generate net profit and constantly increase in price.

I invest in the purchase and development of websites. True, I’m not buying for millions yet, but there were lots for tens and hundreds of thousands.

You can do your own PR for the group, or you can invest money in special programs or hire a professional in this matter. Once there are enough people in the public, you can start advertising. A day of advertising in groups with a large number of subscribers costs approximately 2-3 thousand rubles. It is not difficult to calculate the income from such an investment.

Investing in smartphone apps based on iOS or Android

One can profit from apps that provide services and assistance. Contributions to applications where useful information on one topic will be collected will also bring income. You should not lose sight of the products that sell, any product or service.

Investments in endowment life insurance

This product combines two areas: saving money and insurance in case of illness, death, accident, or survival.

The term of such a contract is usually 10-35 years. This method is good for achieving a goal that costs a lot of money. For example, buying real estate, education, etc. Can also be used as a pension payment. By the end of the contract, you can receive the accumulated amount and income from the investment. But most likely, this income will not increase funds, but will only compensate for the level of inflation.

You need to carefully study offers from insurance companies and weigh the pros and cons.

Disadvantages of investing in NSZH:

1. Insurance protection is valid after the first payment. In other words, the period does not matter if the insured event has already occurred. The entire amount specified in the contract will be paid;
2. upon the occurrence of an insured event, payments are not subject to taxes;
3. the profit received from insurance is not subject to confiscation, division in the event of divorce, or recovery by court decision.

Advantages of investing in NSZH:

1. payments are systematic - once a quarter, month or year;
2. there is a risk that inflation will eat up all income by the end of the insurance period, and you may even end up in the red. The best solution is insurance pegged to the euro or dollar.
3. You cannot withdraw funds before the due date without loss.

The method is well suited for diversifying an investment portfolio with good funds.

Investing money in personal development

This type of investment involves income without losses. Risks are reduced to a minimum. The benefit is 100%, and anyone can invest money in training.

To do this, it is enough to sign up for all possible courses, trainings, seminars to gain knowledge and study foreign languages. It is important to apply all acquired knowledge for successful professional activities.

It would be good to choose teachers who themselves are excellent role models and are happy to share not only theory, but also their own experience.

Only these people will provide up-to-date knowledge, and not standard and sometimes outdated schemes. Without competent investment in yourself, other types of investments lose all meaning.

Contribution to health and beauty

Psychology says: beautiful people are much more successful than not beautiful people. This is easily explained, because everyone wants to communicate and start any kind of relationship with people with good looks. It is only then that everyone looks into the soul and evaluates mental abilities.

To maintain external and internal beauty, you need to pay great attention to health.

You should not skimp on food, quality medicines and clothing. Whenever possible, you should avoid activities that are bad for your health and put your life and quality of life at risk.

To invest in beauty and health, it is enough to buy subscriptions to the gym, swimming pool, beauty salon, sauna, massages.

This is one of the most useful investments, it can bring profit many times over for the rest of your life. There can be no downsides to this investment method.

Investment in your own name and reputation

In finance and business, people often refer to specific individuals and evaluate them: this person is reliable, but this one has a so-so reputation.

Reputation is the most important asset. After all, people who are well regarded by others are more often entrusted with large sums of money and handed over serious business projects.

Business people dream of becoming famous. After all, where there is fame there is money. The name will work for the entrepreneur.

To get a good reputation at an individual company, it is enough to show punctuality, initiative, honesty and attentiveness to others.

So, gradually such a person will be asked for advice, offered money for knowledge and invited to speak at events. These are the first signs of a name working for a person. If you don’t stop, after a while you can get money just for mentioning your name.

The only disadvantage of this investment is that if handled ineptly, you can instantly lose a good reputation that has been built up over the years.

Investments in your development

Questionable investment methods

Hype projects

These are pyramids and they promise investors quick earnings in a short time. Many will say that this is a scam. However, everything is completely legal and if you withdraw your deposit on time, you can stay in the black. The more interest a HYIP project offers, the shorter the time it exists, and the higher the risks.

Buying cryptocurrency

This is an unusual way of investing. Cryptocurrency was invented in the West as an alternative to the usual currency, which the state later began to issue. In Russia, such currency is considered illegal, therefore, investing in this area is an illegal activity.

Such virtual money is received using the following methods:

• mining - by calculating blocks. This uses the computer's video card;
• exchanging traditional currency for bitcoins.

The exchange of cryptocurrencies (one for another) can be done on special exchanges.

Today there is no demand for bitcoins, and everyone is selling them cheap. However, it may also happen that virtual money will come back into fashion. But the risk is very high, so it is reasonable to invest 1-2% of the entire investment portfolio in bitcoins.

Contribution to position

Another, one might say, illegal way of investing. In Russia, a position is one of the fastest ways to make a profit in a short period of time. People buy warm places to enrich themselves illegally.

It is better not to consider such deposits, because they are illegal. But they exist, so we’ll tell you more about them.

What is the essence of such an investment? There are people who sell positions in government and commercial institutions, and there are people who buy these positions and try to make their money back as quickly as possible. And to do this, they take bribes, offer services within their competence for a fee, or cut the budget intended for some government project.

Payback occurs within the first days of taking on a new position. The negative aspects for a fraudster are the risk of criminal prosecution, moral anxiety and mental anguish.

Deposits in online casinos

There is enough advertising for online casinos on the Internet. You are promised mountains of gold and easy income. There is such a scheme: place a bet, lose and then the bet will increase, again bet on the same color. Always bet on the same color until a certain Martingale law works. As soon as the casino allows you to win, you need to change the color and again act according to the scheme described above.

The main rule of any online casino is to play no more than 2-10 minutes a day. If you play longer, you can lose everything. It’s not as easy as it seems; sometimes it’s impossible to stop, because the mind is overshadowed by passion.

Why you shouldn't invest money here

Again, I repeat that I only speak my personal opinion and do not impose it on anyone, otherwise people will appear who will say that I am limiting your income)) Well, there you go!

I DO NOT recommend investing in binary options, HYIPs, pyramid schemes, sports betting, online casinos and other gambling attractions.

Now I'll tell you why I think so. After all, there are people who make good money from this. All these earnings do not depend on you! But I don’t like it when I’m just an outside observer and if my money goes down the drain somewhere, then I can’t do anything about it.

Secondly, I am a webmaster and I know that many who promote these types of income make money from YOU. They simply refer you through an affiliate program and earn both for the referral and receive a percentage of the money you spend. Believe me, commissions in such niches are good and affiliate earnings are quite high!

Here is an example in the screenshot, where the Alpari affiliate program pays 61 rubles for registration, and 1600 rubles for an active user. Those. As soon as you register on someone’s recommendation, top up your account in the system and start investing, your partner will be paid 1,600 rubles for you. But no one cares whether you make money there or lose money.

This is just one example, but there are a lot of them on HYIPs, pyramids, betting, casinos, etc. Some webmasters deliberately come up with stories about how they make good money from this so that you register using their links. Well, okay, I have nothing against webmasters, but I wouldn’t invest in the above.

Regarding sports betting, I want to say this. Although I have a friend who makes good money from this, I still do not recommend this instrument for investment, because it then loses just as much. Although he is a good businessman, there is nothing wrong with his head, but the excitement is addictive. Plus, in this matter, the main thing is to find high-quality forecasts, and not the forecasts of scammers.

How to make your own savings work and make a profit? And so that the risks are minimal. Let's look at the main mistakes of a novice investor.

Haste in making a decision

The investor receives a very advantageous offer, quickly agrees and makes a profit. He gets excited and then mindlessly accepts such offers. As a result, you are left not only without profit, but also without initial capital. You should not quickly agree to the proposals of even the most reliable person. Emotions are inappropriate here, only cold calculation and strategy.

Inability to accumulate capital and build a portfolio

The first profit is a great joy for a new investor. But you should act wisely and make plans for future investments. It is important to learn how to compose a portfolio according to all the rules, and use more and more income from assets to create it.

Someone's mind

Often, having a large amount of money, a future investor is afraid to start and listens to the advice of friends or information on the Internet. Undoubtedly, it is necessary to use all available information. But it is much more important to form your own opinion based on all the data and build a plan yourself.

How to store money so that it does not depreciate

Currency

Some people prefer not to invest money, but at least save it so that it simply does not depreciate. You can invest money in foreign currency. Due to the current unstable situation in the country and currency fluctuations back and forth, I keep my money in different currencies. In this way I compensate for the fall of one by the growth of the other. In the end, I will always save my money.

I try to keep my money in this percentage: 35% in dollars, 35% in euros, 30% in rubles.

I'm talking about free money that is waiting in the wings to go into circulation.

Bank deposit

You can simply invest money in a bank at interest. I use two banks:

• Sberbank (simple accounts)
• Tinkoff Bank (money is stored on a debit card and interest also accrues on it without opening a deposit)

Now you know where to invest money and where it is better not to invest. Happy investment!

We all save money. A schoolchild 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, money somehow accumulates. Otherwise, why are there so many iPhones and expensive cars around?

But what most people don't realize is that when you have accumulated money under your pillow, it quietly diminishes. Every night the “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 quite underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely more than 20%.

Thus, all our savings depreciate at a rate of at least 20% per year or 1.65% per month. So, now most investment methods help not to increase your funds, but to at least slightly compensate for inflation.

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

Investing is not that difficult.

I think everyone has an idea of ​​what investing is. When investing, you put your money to 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 may receive a loss or even lose all your money.

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

For example, let your investment portfolio be 100,000 rubles. Then you need to choose several investment instruments that are suitable for you. Let's assume 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 risk you are willing to take.

Let’s say that you are committed to moderate risks and distribute your money like this: mutual funds – 40%, PAMM accounts – 40%, backing – 10% and HYIP projects – 10%. Now you need to apply the principle of diversification within each investment method you choose.

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 investment methods.

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.

Let's compare the 12 best ways to invest.

I have not only selected the 12 best investment methods for you, but also compared them with each other. For comparison, I selected several parameters, which I decided to evaluate using a 10-point system, where 1 is the lowest score and 10 is the highest.

Comparison of the best investment methods.

The following options were selected:

• Simplicity. This parameter characterizes how easy it is to understand this method of investing, understand the principle, find a suitable company and make a contribution.
• Profitability. Here the average return on investment will be assessed. Most often, this and the following points are interconnected: the higher the profitability, 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 await you if you withdraw money prematurely.
• Passivity/activity– this parameter shows how passive this type of income is. That is, 10 points means “put it in and forget it,” and 1 point means that in order to get maximum profit you will have to spend additional effort and time.

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 in savings books. And one of the heroes of a popular Soviet film urged 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 simpler? 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 deposit. Deposits are insured by the state. Even if you plan to invest a large amount, then in order to insure against the fact that your bank’s license will be 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 its license, and your deposit was less than 600,000 rubles, 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 it beyond the entry threshold 8 points.

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

This type of deposit falls into the “put it in and forget it” category. All you have to do at the end of the investment period is go to the bank and withdraw your money. Well, or extend the deposit. 10 points.

Pros:

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

Minuses:

• Low profitability.

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

2. Mutual investment funds (UIFs).

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

You also need to take the choice of mutual funds seriously, studying the statistics of different funds. After this, you need to go to the office of the company or its agent. I'll give it for simplicity 6 points.

The profitability 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 greatly depends on the type of fund. While bond mutual funds are one of the least risky investments, investments in venture funds carry very high risks. On average, I would rate reliability at 7 points, because at least you won’t be able to lose a large part of your deposit, as in other investment methods.

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 money in open mutual funds, so at this point we will only talk about them. You can withdraw money from open funds by selling your shares in 1-3 business days. I'll put it 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 manage 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 risks.

Minuses:

• Possibility of incurring a loss if the fund choice is unsuccessful.
• Relatively complex investment procedure.
• An investor should be interested in the stock market.

Conclusion. With successful selection of funds and proper management of your investments, the profit from the deposit covers inflation and brings in a small income. But we must 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 - give money to a trader so that he can play with it on the stock exchange.

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

Some accounts can bring you more than 100% profit per year, while others can 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, risks also increase. When using the principle of diversification, you will not lose the entire investment amount, but you may receive a loss. For reliability I would put 6 points.

You can start investing in PAMM accounts with an amount of $10. At the moment this equals 700 - 800 rubles. The amount is small, so I bet 10 points.

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

You will have to spend time managing investments. If you do not use automatic tools, 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 create your own investment portfolio.
• Simple investment procedure.

Minuses:

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

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

4. HYIP projects.

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

Investing in these projects is very easy. 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 gets the money to pay such high interest rates.

It is very easy to contribute 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.

HYIP projects promise cosmic profits. On average, long-term HYIPs offer to pay 20-30% per month. Short-term ones can promise to double the deposit amount in just a few days. 10 points for the promised profitability, but in fact it is, of course, 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 number are scammed. Therefore, for reliability I would give everything 1 point.

I think at this point and the points below we should consider only long-term projects. The minimum entry amount 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 investor throughout the investment period with each payment. Therefore only 1 point.

If you have already invested money in one of the HYIPs, then all you can do is sit and hope that the project will exist and pay. There is nothing you can do anymore. Completely passive investments deserve 10 points.

Pros and cons of this investment method:

Pros:

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

Minuses:

• Very high risks.

Conclusion. Make money onHYIP projects can only be carried out by 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. Backing (investing in poker players).

Almost everyone knows about a game like poker. At the same time, many people understand that successful players receive big money for winning tournaments. But how many people know that most poker players do not play with their own money in major tournaments?

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

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

The reliability of this type of investment highly depends on the choice of players. In addition, when purchasing 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 professional’s share you will need to invest 200-300 dollars. But it’s still better to start with small investments, so I bet 10 points for a low entry threshold.

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

After you have made a deposit, all you have to do is 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 a big profit if the player wins the tournament.

Minuses:

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

Conclusion. Rather, backing is suitable for people who are well versed in poker. The average person will have a hard time choosing the “right” player.

6. Trust management in sports betting.

Most people view sports betting as gambling. But professional privateers earn a lot and consistently from betting on sporting events.

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

In order to make a contribution, 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 profitability charts, you will see that top privateers increase the funds in their accounts by thousands of percent. Such income should be captivating. But on average, the returns from this investment method are much lower and deserve 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’s mistakes. For reliability I would put 6 points.

You can start investing 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 into a loss or achieve maximum profitability. 6 points.

Pros and cons of this investment method:

Pros:

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

Minuses:

• Possibility of receiving a loss or losing the entire amount.

Conclusion. This investment method 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 heard from everywhere. Everyone understands how profitable it would be to buy shares of young companies that in a few years would turn into large billion-dollar corporations.

The first way to invest in a startup is to enter into an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at reduced prices. An example of such a startup is Unitsky’s SkyWay.

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

For purchasing shares on the stock 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 increase in price. 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 simply scammers who embezzle investors' money. But even of those companies that are among the 30% of successful ones, half break up in the near future due to internal problems.

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

The barrier to entry into 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 price. The lower the price you set, the faster your shares will be bought. 7 points.

To make 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 stock 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 barrier.
• High potential profitability.

Minuses:

• High risks with passive investing.

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 face, claims that money should be kept in gold (platinum, dollar, pound, yen, etc.). This approach says that the person does not understand investing, but simply uses popular “stereotypes”.

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 buy precious metals or currency yourself to store money in, then this procedure will not be difficult.

You can buy currency at bank branches, or 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 in 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. Buying these assets will not be difficult, so I bet 8 points.

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

A beginner does not know which direction the exchange rate will go in the near future, so his investment is more like gambling. Even if people now prefer to keep 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 storing half of your money, for example, in dollars, and the other half in rubles. This way, if rates fluctuate, you won’t lose anything, but you won’t earn anything either.

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

The entry threshold depends on the type of asset and the method of purchase. On the exchange, 1 lot will cost at least $1,000, and through exchange offices or payment systems you can exchange 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 stock exchanges this is done almost instantly. Gold is also a highly liquid asset. 10 points.

In general, trying to influence profits by tracking rates and then selling assets turns you into a trader. And I wouldn’t classify trading as investing. Therefore, I understand investing in currencies and precious metals as “invest and forget.” That's why 10 points.

Pros and cons of this investment method:

Pros:

• Can protect against depreciation of the national currency.

Minuses:

Conclusion. Buying precious metals and currencies is a very unpredictable way to invest money for a beginner. 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 most securities people are only familiar with stocks. The most financially literate will probably be able to name bonds. Only a few people know how to invest money in securities.

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

When a beginner buys securities, 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. The risks are high in the stock market. 3 points for reliability.

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

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

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

Pros and cons of this investment method:

Pros:

• A simple investment procedure and a low entry threshold.

Minuses:

• For a beginner, this is a risky and low-yield way of investing 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. As a newbie, investing in the stock market on your own is more like gambling than investing.

10. Real estate.

There is one stereotype among people: “ The safest investment is buying 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 in their old age in order to rent it out and get a good increase in their pension. And if something happens, you can sell it and get good capital.

You can invest in residential or commercial real estate, under construction or already built, suburban or located within the city. The ease of investing also depends on the type of property you choose.

To invest in residential real estate, you will need to contact a realtor, look for suitable options, fill out 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 do accounting, pay taxes, manage facilities, and re-register energy supplies. On average I would give it for convenience 2 points.

As for profitability, from residential real estate you can receive no more than 1 percent per month for long-term rent. This is 7-10% per year. Renting residential properties on a daily basis turns into work and is not considered.

If you expect to sell it at a higher price after some time, then it is far from certain that prices will rise. In general, for profitability I would bet 3 points.

Real estate is indeed highly reliable. Unless, of course, this is a facility under construction.

Even if real estate prices fall, you will continue to receive a stable rental income. For reliability I put 9 points.

The entry threshold is high, even if it is a collective purchase of real estate. The minimum investment amount starts from several hundred thousand rubles. I'll put it 2 points.

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

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

Pros and cons of this investment method:

Pros:

• A clear scheme for generating income.

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

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 brainchild, so as not to raise doubts among employees and clients.

Therefore, they prefer to contact brokerage 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 ensure that business processes are in order. This whole procedure can turn into an insurmountable obstacle for a beginner. 1 point for simplicity and clarity.

Extremely profitable businesses are rarely sold, so you should count on average profitability. Of course, profitability greatly depends on the type of activity and quality of management. I'll put it 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 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 barrier to entry into this type of investment is relatively high. Yes, there are very small companies, but they don’t cost a penny. Buying a profitable business with streamlined processes is similar in cost to buying real estate.

People often join together in 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'll put it 2 points.

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

If you begin to independently manage the purchased company, you will turn from an investor into a businessman. Therefore, you will need to hire an executive director to manage your business. But even in this case, you will have to control it and analyze the company’s activities.

And you will need to select a manager yourself. That's why 2 points.

Pros and cons of this investment method:

This method of investing is similar to investing in a business, but with a simpler purchasing and management process. Again, there is no need to create and promote a website. You can simply buy a ready-made project.

The website itself is more of a tool than an asset. The real asset is the audience that comes to this project every day. The site owner makes profit through advertising, affiliate programs and other sources of monetization.

To purchase 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 the projects: audience size, profitability, development dynamics, payback period, etc.

The transaction is protected and takes place according to the rules of the auction, where the site goes to the buyer who offers the highest price. For simplicity we can put 4 points.

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

But in most cases, on such sites, monetization does not work 100%. Thus, after “tweaking” monetization, it will be possible to recoup the investment in 6-10 months. 7 points for profitability.

If the site is made with high quality and was 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 many more years, then you need to do at least minimal work on it. But the project will be enough for a year or two 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 investors.

You can buy one expensive and high-quality site, or several average ones. Therefore, I do not recommend starting with too small amounts. I'll put it at the entrance threshold 6 points.

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

When you buy a site that will bring you passive income, you can make a profit without working on 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'll put it 4 points.

Pros and cons of this investment method:

Pros:

• A convenient investment amount for everyone.
• High reliability of investments.
• You can develop the project, increasing profits.

Minuses:

• You need to have minimal knowledge about websites 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 best?

• • Method No. 10 - Bank deposit
  • Method No. 9 - Precious bank metals
  • Method No. 8 - Purchasing securities on stock exchanges
  • Method No. 7 - Trust management, mutual funds and PAMM accounts.
  • Method No. 6 - Investing in someone else's business project
  • Method number 5 - Open your own business
  • Method #4 - Creating and owning your own website
  • Method No. 3 - Investing in real estate
  • Method number 2 - Engage in short-term lending
  • Method No. 1 - Investment in children’s education or self-education
  • A dubious way to invest small money: from 1500 rubles
• 4. Conclusion

This article will discuss ways to invest small amounts of money, which, as a rule, are available to the most ordinary citizen of our country. There is a misconception that investing is the prerogative of rich people. This is a misconception; almost every Russian can invest small amounts of money.

The expression “money must work” has become quite popular and modern, especially on the Internet. However, it is worth noting that although this expression is popular, only a few people put it into practice. The reason is that most people face certain obstacles and do not know how to overcome them or do not want to deal with them

The fact that you want to invest presupposes the presence of a certain amount of free funds and the absence of debts on payment cards, loans, and so on. If you still owe money to someone, then it is better to postpone investing - existing instruments, as a rule, will not give you income exceeding the interest rates on bank loans.

Most common problem - the presence of medium and small savings, because they are so small that it is difficult to invest them in a worthy and profitable business project.

Therefore, the question arises - where can you invest a small amount? Before answering this and other questions, it is necessary to create a solid basis for saving money.

We decided to compile the top ten ways in which you can invest a small amount of money, while not only preserving your savings, but also increasing them.

1. Accumulation of invested capital

You need to start saving the minimum amount 10% from your monthly income, even if it’s a couple of hundred rubles at the beginning. The amount may be more than 10%, but not less.

Even “funny” money at first turns into decent amounts over time. To save money, review your expenses and give up various luxury items and other non-essential expenses.

It will be wrong to deprive yourself of everything - you will not be able to hold out long enough. Read more about how to save and save your money in . There we described 10 ways to save money.

Saving money to start investing

A very correct decision There will be a transfer of part of the salary to various special piggy bank accounts (it may be worth opening a deposit), such services are often offered by modern banks. You don't see or have this money, so you're not tempted to spend it.

Also an important condition for normal investment work will be the presence of “NZ”. Those. money covering your six months of expenses, the so-called “rainy day reserve”.

Each person may face temporary difficulties, non-payment of wages, illness or job loss.

2. Where can you invest a small amount of money?

Before investing money, you should always start by increasing your own knowledge on the subject. Study the concepts and terms in financial markets, find out what analyzes are applied to securities (technical or fundamental), find reliable sources of information on the Internet (perhaps books, diaries of private investors) and constantly refer to them.

Famous all over the world investor Warren Buffett I read over a hundred books on investing before I was 20.

3. Where to invest a small amount of money - 10 reliable ways

Let's look at the main ways you can invest a small amount of money, for example 500 thousand rubles. Let's start with the method that brings the lowest income.

Method No. 10 - Bank deposit

This type of investment is very familiar to everyone. However, he ranks only 10th position, the reason is too low income. Although the interest rate often seems tempting, the reality is completely different. The bank rate very rarely exceeds the inflation rate by 3-5%, sometimes not even reaching these figures. Accordingly, the illusion of income is created.

But despite all of the above, bank deposits have some significant advantages. Two of them can be particularly highlighted:

• All deposits in the Russian Federation are protected by the state deposit insurance program. Therefore, even in the event of a banking collapse, the state will compensate for your losses. However, it is worth considering that the sum insured does not exceed 1 4 00 000 rubles, this amount already includes interest.
• You save your time, and it is always worth a lot. All you have to do is bring the money to the bank and make a deposit, the financial institution will do the rest for you.

Method No. 9 - Precious bank metals

Small savings can be invested in precious banking metals. Often this includes silver and gold, in rare cases others are also found.

There are two ways to invest in precious metals:

• First, open an impersonal metal account (OMA).
• Secondly, purchase bullions of precious metals.

In the first case, the client does not “contact” directly with the metals, but in the second case, the client receives the ingots in his hands, using them as he sees fit. A significant advantage of purchasing bullion is that you can buy it in any weight, which in turn allows you to invest a small amount of money. Bar sizes start from 5 gram.

Method No. 8 - Purchasing securities on stock exchanges

The profitability from this type of investment is much higher when compared with bank deposits. But it is worth noting that acquiring such securities requires at least a little experience. Therefore, before taking on this type of investment, it is worth paying attention to at least minimal training.

And on top of everything else, an unstable situation on the stock market can contribute to the depreciation of shares of even very reliable enterprises.

Method No. 7 - Trust management, mutual funds and PAMM accounts.

This investment consists in the fact that the investor entrusts his funds to brokers, who combine the deposits of a large number of investors into one impressive portfolio, after which they use the invested funds at their own discretion.

Often these investments are used on stock exchanges and Forex. If we compare the purchase of securities and trust management, we can say that the second method is much more reliable, due to the fact that your funds are used by professionals.

Method No. 6 - Investing in someone else's business project

Considering that we are discussing where to invest small amounts, this option is suitable for investing in small business projects.

However, a logical question arises: what will happen if the business project “ will burn out“or something will not go as planned?

In this case, it all depends on how exactly the documents were drawn up. Basically, a “burnt out” businessman returns the money spent to the investor over time.

This may take from several months to several years. But it is worth remembering that the risks of losing everything are quite high. The reason lies in the fact that investor And entrepreneur, very often united by friendly or family ties.

Method number 5 - Open your own business

Although we can say that this is the most difficult option where you can invest small funds, but at the same time it is also the most interesting investment. In this case, the risk of losing savings is very high, but if successful, the novice businessman will be fully rewarded.

It is worth noting that own business will take a lot of effort and time from a novice investor. However, if you were unable to get your own business off the ground, the experience gained in running your own business will not be in vain. (We recommend reading -? Business ideas from scratch or without investment)

Method #4 - Creating and owning your own website

In a sense, this position is similar to the previous one. Your own website does not require a lot of investment. All you need is:

• invest in creating a website,
• pay for initial promotion (website promotion (SEO)),
• open a WebMoney wallet,
• register yourself as an individual entrepreneur.

However, it is worth considering that although all of the above will not require much money, you will have to devote more than enough time to this project.

See how to How to easily distinguish real ways to make money on the Internet without cheating from fraudulent schemes

Step-by-step plan from Andrey Merkulov

Dozens of ways to make money on the Internet in a variety of areas

Method No. 3 - Investing in real estate

During the period of the ruble collapse, square meters become much more affordable. However, this investment instrument requires a professional approach.

It is also advisable to carry out investment activities with real estate at the very peak of the crisis. Only a pro can determine the very bottom. Enlist the support of such a person in your environment. In this case, you can ensure yourself the likelihood of the most profitable purchase.

Method number 2 - Engage in short-term lending

If the 8 methods described above are not suitable, or you have not yet made the final decision on where exactly to invest a small amount of your funds, then you can lend your savings to friends. But at the same time, it is worth considering that if you lend, even to your friends, at interest, you are breaking the law of the Russian Federation.

It is worth especially noting the WebMoney credit exchange. Using this platform, you can issue a loan without breaking any laws.

The main direction on this platform is short term loans. The rates on such loans are quite good, but there is no guarantee of repayment.

Method No. 1 - Investment in children’s education or self-education

One of the best investments where you can invest a small amount is self-education .

Investment in education always remains the most relevant and in demand. The reason is that neither age, nor profession, nor place of residence will hinder you. You will always have the opportunity to improve your skills or learn a new profession.

But it’s worth remembering that it’s best to get a diploma that you can apply in reality. When choosing a new profession, you should also take into account your attitude towards it, since it is always better to do what you are passionate about.

It is impossible not to mention investing in the education of your own children, which is also the most profitable and long-lasting investment.

Questionable method invest small money: from 1500 rubles

There are many different projects on the Internet that offer to invest money at high interest rates. We recommend that you treat such projects (hype, various “multipliers” of wallets, etc.) with caution and not trust them. Your task is where to invest and earn money, and not lose it. Therefore, make sure that the project (type of investment) is reliable and only then trust your money. We described one example of an incomprehensible method below.

Here is the text of a method that provides high income from investing. The essence and purpose of almost all of them is the same; they all work on the principle of a financial pyramid.

“Define for yourself an acceptable commission level for investment intermediaries. It could be 2% , and maybe 5% in some cases. Add the commission amount to the amount you plan to invest - this will be your initial investment amount.

If you carefully consider your options, you can find companies that will place your investments even without commissions.

Pay attention to hidden fees and read purchase agreements carefully. It is best to choose not only commission-free options, but also those that offer discounts for reinvesting the profits. This discount can reach 5%.

The main difference between these two instruments is that DRIP requires you to own at least 1 share of the issuing company, so for new investors, DSP is more likely to be used.

You also need to constantly look for new funds with a low entry threshold for investment. They usually use an automatic investment plan and withdraw a certain amount from your personal account for deposits automatically. This is a fairly simple and inexpensive way to create your own stock portfolio.”

Watch the video that tells you where you should not invest money in 2020

4. Conclusion

Let’s summarize the question: “where to invest a small amount of money?” Even if you have 500 $ , you can take advantage of all popular investment methods.

But in this case, we recommend that you pay attention to investing in mutual funds and mutual funds. stock and foreign exchange market. pay attention to index funds, which operate in the “broad” market. The return on such investments will be about 10% per annum. By choosing a specific fund, you will be able to invest funds in the future without additional commissions.

Don't rely on short-term price changes. This is a path to losing your invested funds.

Only an experienced investor can afford to invest significant funds in the securities of a certain company, while having a lot of other shares and investment deposits to diversify possible risks.