What can you invest in and earn. Where to invest small money

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

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

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

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

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

Investing is not that hard.

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

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

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

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

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

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

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

We compare the 12 best ways to invest.

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

Comparison of the best ways to invest.

The following options have been selected:

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

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

1. Bank deposit.

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

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

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

But you can be sure of the reliability of your contribution. The deposits are insured by the state. Even if you plan to invest a large amount, in order to insure that your bank's license 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 a license, and your deposit was less than 600,000 rubles, then you will be compensated for both the deposit and interest. 10 points for reliability.

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

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

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

Pros:

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

Minuses:

• Low yield.

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

2. Mutual investment funds (PIFs).

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

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

Minuses:

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

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

3. PAMM accounts.

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

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

Minuses:

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

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

4. HYIP projects.

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

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

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

Minuses:

• Very high risks.

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

5. Bucking (investing in poker players).

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

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

Minuses:

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

Output. Rather, backing will suit people who are well versed in poker. It will be difficult for the average person to pick the "right" player.

6. Trust management in sports betting.

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

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

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

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

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

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

You can withdraw money quickly and easily. 10 points.

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

Pros and cons of this investment method:

Pros:

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

Minuses:

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

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

7. Startups (venture investments).

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

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

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

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

Minuses:

• High risks in passive investment.

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

8. Currencies and precious metals.

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

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

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

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

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

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

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

• Able to protect against depreciation of the national currency.

Minuses:

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

9. Securities.

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

• Simple investment procedure and low entry threshold.

Minuses:

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

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

10. Real estate.

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

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

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

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

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

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

• Clear scheme of income generation.

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

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

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

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

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

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

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

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

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

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

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

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

Pros and cons of this investment method:

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

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

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

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

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

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

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

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

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

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

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

Pros and cons of this investment method:

Pros:

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

Minuses:

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

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

Which method do you like the most?

Hello dear readers!

Many people are willing and willing to invest. But some of us are stopped by the lack of significant capital. Fortunately, small amounts can be successfully invested. That is what today's article will be about. So, read on and find out where to invest a little money to earn.

I will say right away that there are indeed restrictions on the minimum amount of investment in many investment companies and projects. If we talk about large European brokers, then the entry threshold, as a rule, starts at $10,000 or even more.

Why is this being done? Large companies simply do not want to spend time on service and support for customers who bring little income. In general, the usual Western prudence is manifested.

At one time, I myself faced this. However, there are options for investment. And over time, it became quite clear that even with a small amount you can start making good money on investments.

Trust management technologies

Secondly, never, under any circumstances, trade forex or binary options on your own. Barkers beckon with easy money. In fact, it is always a one-way ticket to losses. There is a sad statistic: beginners lose in Forex in 99.7% of cases.

At the same time, there is a slightly smarter way to make money. You can invest in experienced managers who have proven themselves over time and are included in these 0.3% of successful traders. In fact, this is the same as that offered by large European brokers, which were discussed at the top of the article.

Modern technologies for investing in forex through managers are called PAMM and MAM. Adequate yield of these instruments lies in the range of 20-100% per year.

PAMM accounts especially common in RuNet. Competition in the industry spurs the fight for customers. As a result, now there is a large selection of successful managers and a number of convenient services for controlling your investments. At the same time, the minimum amount for cooperation with a particular trader starts from $10-$100.

Projects

Also, I would note highly profitable projects. They are also called HYIPs. This is quite a risky tool.
As a rule, the risk is covered by a generous return. Profits can amount to tens of percent, and not per year, but per month. The least risky tactic is to invest in a particular project for a period of one or two months, and then withdraw funds.

In conclusion, I note the need for a comprehensive Try to combine different tools. And then the risk will decrease, and the potential profitability will remain.

I would be grateful for your questions / opinions on where to invest a little money to earn in comments.

I wish you all a profitable investment!

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You go to work every morning, day after day, year after year. And your whole life is more like groundhog day. Every day is like the previous one. All your income received at work you safely spend on life. The result is a vicious circle. And what's next? you think. You need to change something in this life. One way to break the current situation is by investing.

After all, what is investment?

Investment is the investment of money today, with the aim of getting it tomorrow, but in a larger amount. Or getting a permanent passive income from once invested funds.

Of course, you won’t be able to find a large amount right away. Most investors start with very modest amounts, which they manage to put aside from their salary. The main thing here is constancy and time. Together with these parameters, any, even insignificant, capital can grow into a fairly decent amount, allowing its owner to receive a very good income that will exceed your current income. Please note that this will be a completely passive income, generated with little or no participation from you.

Beginning investors face many questions, the main of which is where to invest. Especially when it comes to a very small amount of money. It is the restriction on the amount of invested funds that makes its own adjustments to possible investments. But nevertheless, even with little money, there are many ways to earn and increase your hard-earned money.

6 ways to invest money for a beginner

Investing in bank deposits

Bank deposits or deposits are the simplest and most reliable type of investment. When you open a bank account, you will know in advance. how much income you will receive at the end of the term. And most importantly, GUARANTEED INCOME. Deposits are practically the only financial instrument, the yield on which is known in advance. Other investments do not carry such a guarantee. In them you can both earn and lose. Also, do not forget that the safety of deposits is guaranteed by the state (in the amount of 1.4 million rubles). If the amount exceeds this threshold, then it is better to open several deposits in different banks.

Bank deposits are used mainly as a means of initial accumulation of capital. When a certain level of funds in the account is reached, other investment opportunities become available to the investor. Why? The answer is quite simple - very low profitability. Typically, deposit rates are within the inflation rate. Therefore, getting rich on investments in deposits is unlikely to succeed.

Currency deposits

In the conditions of a difficult economic situation in the country, foreign currency deposits began to gain popularity again. The ruble is rapidly losing its positions in comparison with other financial payment systems. And in order to at least somehow preserve their savings, deposits in foreign currency are used. And although the yield on such deposits is quite modest, in the region of 2-5% per annum, real earnings can exceed the current yield by several times. Due to the weakening of the ruble and, accordingly, the strengthening of the currency.

It was foreign currency deposits that were the most profitable over the past 5 years, among the main types of investments. Those who opened similar deposits a few years ago have already earned more than 230% of profit. For comparison, simple ruble deposits over the same period showed a yield of 83%.

Investments in mutual funds

• the possibility of investing small amounts
• tax exemption
• no need to store at home, exposing the risk of theft
• can be bought and sold in parts, if necessary

Other possible ways of investing in gold (buying bullion, gold coins) just have the disadvantages that are the advantages of CHI.

Investments of small amounts will not bring you any income? And you try to start. RBC collected offers for investors with an initial investment of up to 3,000 rubles.

To start investing, you need money, otherwise the income from investments will simply not be tangible. The author of the book How the Rich Think, American Steve Sebold considers this statement to be fundamentally wrong. “Poor people prefer to save, rich people prefer to earn and take risks,” he writes. In his opinion, you need to invest in order to become rich, and not vice versa: first become rich in order to invest later.

In general, financial advisers interviewed by RBC agree with this. “There is always a point in investing,” says Yulia Sakharovskaya, co-owner of the Personal Capital company. The main thing is to follow a few rules. The first of them is to invest money regularly, albeit in small amounts. Sakharovskaya advises to focus not on the amount of this regular payment, but on the goal: “10 thousand rubles. monthly - this is 120 thousand rubles. in year".

According to Natalya Smirnova, General Director of the Personal Advisor company, "penny" investments can bring real benefits to young people a little over 20 years old. “The money accumulated in this way over 10 years is enough to pay for a child’s education, buy an apartment in the regions or in the Moscow region,” she says. Another target category is people over 40, who can thus secure an increase in their pension.

One of the rules, both consultants say, is to move on to investing after a reserve fund is formed - an amount that covers three months of family expenses. Otherwise, you may find yourself in a situation where you need money urgently, and you cannot quickly withdraw it, Sakharovskaya explains.

Consultants advise starting to invest with mutual funds, forgotten by private investors six years ago, after the 2008 crisis. Another option is Russian stocks, including using individual investment accounts (IIS). It all depends on the broker, but many large brokers will have 1-5 thousand rubles to open an account, adds Sakharovskaya. Smirnova advises starting with the shares included in the MICEX index.

Over the past year, for example, stocks could bring in 45.7% of income. For comparison: a ruble deposit in the largest banks would bring 10.07% - this was the maximum rate in the ten largest banks by the size of deposits, according to the Central Bank, in November 2014.

If you are ready to invest more actively (check your account balance at least once a month), you can make a more diverse portfolio: for example, from several commodity and sector mutual funds, Smirnova adds. After the amount reaches 300 thousand rubles, you can begin to diversify your savings by country. The easiest way, according to Sakharovskaya, is to buy ETFs (exchange-traded funds).

We have selected offers available to private investors with a minimum investment of up to 3,000 rubles.

Contributions

The simplest and most understandable financial instrument will not bring high returns. According to RBC estimates, the annual deposits in rubles are now 9.98%, in dollars - 2.45%, in euros - 1.87%. Opportunities for investors who have only a few thousand rubles are limited. Of the 30 largest banks in terms of attracting funds from individuals, deposits with an entry threshold of 3,000 rubles. and below offer only seven credit institutions.

However, even among them you can find profitable options. The highest rate on deposits from 1000 rubles. gives the ICD - 12% per annum. However, this deposit has a significant disadvantage: it cannot be replenished. Having placed on such a deposit the minimum amount - 1000 rubles - for the year one could earn only 120 rubles. The best replenished deposit by the same parameters is also offered by MKB, however, the rate here is slightly lower - 10% per annum. If every month the amount of this deposit is increased by 1,000 rubles, then by the end of the year you can receive 12,674 rubles, of which 674 rubles. - interest income.

On the one hand, placing tiny amounts on a deposit is pointless: at the expense of a bet, you will earn about 100 rubles. per year, says Olga Belenkaya, an analyst at Sovlink Investment Company. At the same time, if you regularly replenish this deposit, you can save a small amount in a year: not due to interest, but due to the fact that you will not spend money, she believes. Another argument in favor of a "penny" deposit is the ability to fix a fairly high rate: by the end of the year, the yield on deposits will decrease by 0.5 percentage points, and by November next year it may fall by 1-1.3 percentage points. from the current level, Belenkaya added.

Stock

Of the 50 shares included in the MICEX index, 31 securities can be purchased for up to 3,000 rubles. The minimum cost of investing in the shares of one issuer depends on their number in the lot at the exchange auction and share quotations (see table). According to Sergey Skorobogatov, Leading Investment Adviser of BCS FG, if you buy them in small portions every month, after some time you can accumulate a fairly decent portfolio of securities. In addition, regular investments reduce the dependence of the portfolio value on market fluctuations.

“Usually there are no restrictions on the amount of opening an account, an investor can open a brokerage account, deposit three thousand there and buy shares by voice by calling a trader,” Skorobogatov notes. “For independent trading through the Quik system, you need to deposit 30 thousand rubles.”

Evgeny Malykhin, director of the investment department of Aton Management Management Company, draws attention to the disadvantages of such minimal investments. “There are transaction costs, and I think that it is impossible to compensate them for amounts up to three thousand,” the expert says. “The stock market is a pretty serious thing, you need to watch investments.” According to him, you can get the first trading experience with small amounts, but from the point of view of the economic effect, this is an absolutely pointless exercise. This is the time to remember the words of Steve Sebold and look at the table.

mutual funds

If there is no time or desire to follow investments, mutual funds can come to the aid of investors. Usually they limit the minimum investment cost to 15-30 thousand rubles. Among funds with a net asset value of more than 100 million rubles. we found 11 mutual funds of four management companies, which are available for investors with an initial capital of up to 3,000 rubles.

“We focus on the retail segment, including people with low incomes,” says Dmitry Gurkov, head of the marketing department at one of these companies, Savings Management (part of the Rosgosstrakh group). At the same time, the average portfolio of a client of the management company exceeds 500 thousand rubles, Gurkov assures: there are still not so many people who are interested in investing small amounts. “Due to this, our costs on small amounts are leveled,” he explains.

As with all other instruments, penny investments in mutual funds should be regular. “If you buy them every month in small amounts, then the effect can be even greater than from a one-time investment of a larger amount of money,” says Skorobogatov from BCS. For a fund manager, a large number of small clients is even better, he says. When one client comes in with a large amount, this is a fairly high risk for the fund: if he leaves, the fund will have a hard time, he says.

Gold

This is not the best tool for investing small amounts of money, says Irina Lozinskaya, head of the Precious Metals Operations Department at Lanta Bank. According to her, the price of one gram of this metal is approximately 2,300 rubles.

“But it’s difficult to buy a 1 gram coin or ingot – there are very few such offers from banks,” adds Elena Rodinkova, head of the Precious Metals Operations Department at Otkritie Bank. The purchase of ingots has another disadvantage: they are subject to VAT (18%). The best investment option is to buy investment coins "George the Victorious", but they cost about 19 thousand rubles, says Lozinskaya.

Therefore, there is only one option for a novice investor - depersonalized metal accounts (OMS), Rodinkova concludes. For example, in Sberbank OMS can be opened for any amount, the bank conducts operations with gold with an accuracy of 0.1 grams.

Hello! Today we'll talk about where to invest money. There is a certain solid amount, and you 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 are not entirely legal methods and projects that are aimed at extracting money from illiterate and gullible investors. How not to get lost in all the variety of offers and not run into a scam.

Let's talk about where is the best place to invest money. Consider traditional investment methods already tested by time and experienced investors. At the same time, the risks are moderate, and the profitability is quite predictable.

Invest in bank deposits

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

The Russian Federation recently adopted a law that guarantees the depositor the payment of 1 million rubles (instead of 700 thousand previously established) in the event of a 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 smallest. After all, this is one of the most reliable and time-tested banks. In addition, there is an opportunity to invest a small amount of money, with almost a full return guarantee.

What are the benefits of investing in a bank?

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

The cons are obvious:

1. perhaps the lowest profitability of all possible ways of investing;
2. Early withdrawals will forfeit interest.

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

• Term deposits - funds are kept in the bank for a certain period, when withdrawing money ahead of time, the bank imposes penalties on the depositor. This may be deprivation of part of the interest on the deposit. The contract may establish a period during which the money is returned in case of early termination of obligations.
• Perpetual deposits - the contract in this case is free from strict mandatory terms. 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 the next time you will have to conclude a 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 left and thereby increase the amount on which interest will be charged.
• Deposits with payment of interest only at the end of the period specified in the agreement. You can conclude a contract for a year and receive interest only after this period, not earlier. Such deposits can be made out for any period - a month, six months, a year or more.

Invest in stock markets

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

Allows you to get much more income than from bank deposits. However, relatively significant risks must also 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. To date, 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 a short time, and then such investors are often called speculators. They are engaged in the sale and purchase of securities in a matter of minutes, a maximum of a week.

Medium-term investors hold stocks from a few weeks to months.

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

You can manage funds on your own, or you can contact traders or specialized funds. The latter includes a mutual fund - a mutual investment fund. This organization itself forms an investment portfolio consisting of shares, deposits, bonds and other things. Independently sells these shares, in a different way, shares.

Certain periods are set, 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 investments.

The main advantages of investing in funds:

• the percentage of profit is higher than from deposits in banks;
• you can invest in different instruments - types of securities;
• you can independently compile an investment portfolio, having studied in detail the ratio of income and risks. In this case, there is a chance to invest 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 investment, you need special knowledge.

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

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

Invest money in Forex

I myself used to learn 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 were losing money, 7% were working for nothing and 3% were making money. True, there are examples of those who earn not decently much on this, but these are few. If you are interested in this activity, then try it!

The world's global currency exchange market - Forex. The whole principle is to exchange almost any monetary unit. Most transactions take place in one day, and investors-speculators earn on them, respectively.

Forex is designed to make money in the shortest possible time. But the risks involved are huge. 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 depositor plays some fictitious game on his computer and, of course, loses all his funds.

Before turning to Forex brokers, you need to read reviews about the company, visit the office, and make sure in any other ways 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 very high risks of losing money in a short 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 in plus. Encouraged by beautiful stories, newcomers always believe that they will definitely fall into this cherished 2-3%. Don't be fooled, they'll get it all out in no time. Only by devoting a lot of time and effort to this business, learning to control risks and mastering your emotions, you may have a chance to start earning.

Investing in PAMM accounts

Successful traders offer Forex deposit services. Convenient, because you do not need to learn the rules of investing and learn all the intricacies of successful deposits.

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

It is also always possible to invest money at the expected high percentage if the manager uses aggressive trading strategies. People invest money, often in such managers. But do not forget that your risks of losing funds are also greatly increased. By the way, in Pamm accounts there is an opportunity to invest money on the Internet, it is not necessary to go somewhere.

All money is kept in a collection agency, so there is no risk that the manager will embezzle 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 so that they work, and where to find an intelligent manager.

There aren't many options.

An easy way to invest if you have enough funds to buy residential space or commercial property. The latter will provide more income, but it 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 earn, but a good tool not to lose! Real estate is always valuable. Moreover, the price is always going up. Secondly, you can not only buy it and wait for growth, but also actively use it to make 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 focus more on commercial real estate. It is also profitable to buy private houses in poor condition in order to build new real estate in this area. In our city, this direction is actively developing and we also partially participate in this;)

Positive sides:

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

Negative sides:

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

You can invest in real estate in Russia. According to statistics, small-sized apartments, but located in a prestigious area, are in great demand. The cost is not so high, and repairs will be inexpensive, you do not need to purchase 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 separately, 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 documents on the property 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. Lending in private order today is developing at a rapid pace. But the risk in this case is huge - borrowed funds simply may not be returned. No competent and clear contract and careful selection of applicants gives a big guarantee for a refund with interest. It is most reasonable to engage in microcredit. When sums of money that do not differ in large sizes are issued for short periods.

There is a similar opportunity 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, then you can make good money. However, online lending is even more risky than conventional lending. Sometimes even the passport of the borrower is unknown.

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

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

Here you can also invest money to make a profit. Even if you invest a little money, there is still an opportunity to earn 50% simply and quickly. For example, if you lend 10,000 rubles, 15,000 are returned in seven days.

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

I consider investments in myself to be more optimal, maybe because I am 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 also disadvantages - you have to work! But I have always invested and will invest in myself and my projects!

• Cons: You have to work, there is a risk of burnout, this is not quite passive income.
• Pros: You are in control, there are no income limits.

Almost any business needs start-up capital, if you don’t know where to get it, we advise you to read the following articles:

Effectively invest in a ready-made business that generates income. Additional investment in this case will only increase the already existing profit.

It is much easier to attract co-investors to business projects. Business is easy. These are all positives. But there are also negative ones:

• the risk is still 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 losing value (goods, equipment).

Investments in precious metals

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

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

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

With the latter method, everything is clear: you need to come to the bank and buy bars there. The remaining 2 options require detailed explanations.

An unallocated metal account is an account that shows how many grams of the metal the customer purchased, but without specifying the sample, serial number and manufacturer.

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

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

Contributions to antiques and art

This option is more for those who know a lot about it! And who knows, he will understand. There are always people who are looking for rare things and buy. And this pleasure is worth a lot.

Example. Once my friend bought a GAZ 21 Volga car in good condition. In our city a couple of years ago you could buy a thousand for 50 rubles. He repainted it, installed a BMW engine (not a new one, of course) and an automatic transmission, shamanized 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 refused because it was also cheap! According to my rough calculations, investments are 300-400 thousand rubles, and the output is 800 tr. If you do this thoroughly, you can earn good money.

This is just a real life example. There may be many options.

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

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

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

Investments in intellectual property

A patent can be obtained for a specific technology or invention. This is done so that other persons cannot use intellectual property without the permission of the author, inventor.

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

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

You can earn passive income or make a profit on the resale of a trademark.

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

Invest 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 site with a license. The whole process is legal.

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

The advantages of this type of investment:

• the minimum initial deposit is $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 technologies in the network 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 project of a commercial orientation, implies a small investment 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 brought together thousands of people from all CIS countries. There are many successful people, entrepreneurs, managers, directors and heads of successful companies among the participants. Goals of this project:

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

Why is investing in Internet projects so attractive for 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. The presence of large capital to start the construction of the project;
3. Higher education and professional knowledge in the field of investment.

Investing in the Internet is subject 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 sites with an active audience in large quantities 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 31,800 rubles a month, it is sold for 1,281,250 rubles, but its optimal price is 1,050,000 rubles. Payback in 2 years maximum. This despite the fact that it was not even actively monetized. I know the seller of the site. Having bought such 3-5 sites, you can continue to develop them and get good money. In a year or two, the site will pay for itself and will bring net profit and constantly grow in price.

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

You can independently engage in PR for the group, or you can invest in special programs or hire a professional in this matter. After a sufficient number of people in the public, you can start placing ads. A day of advertising in groups with a large number of subscribers costs about 2-3 thousand rubles. It is not difficult to calculate the return on such an investment.

Investing in applications for smartphones based on iOS or Android

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

Contributions to endowment life insurance

This product combines two areas: the accumulation of money and insurance in case of illness, death, accident, 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 and more. It can also be used as a pension payment. By the end of the contract, you can receive the accumulated amount and investment income. But most likely, this income will not increase the funds, but only compensate for the level of inflation.

It is necessary to carefully study the offers from insurance companies and weigh the pros and cons.

Disadvantages of investing in HOA:

1. insurance protection is valid after the first installment. In other words, the term does not matter if the insured event has already arrived. The entire amount specified in the contract will be paid;
2. in the event of an insured event, payments are not taxed;
3. the income received from insurance is not subject to confiscation, division in the event of a divorce, recovery by court decision.

Benefits of investing in HOA:

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, or you can even end up in the red. The best solution is insurance pegged to the euro or dollar.
3. Before the deadline, funds cannot be withdrawn without loss.

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

Investing in Personal Development

This type of investment assumes profit without loss. Risks are reduced to a minimum value. The benefit is 100%, and everyone can invest 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 the acquired knowledge for successful professional activity.

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

Only these people will provide relevant knowledge, and not standard and sometimes outdated schemes. Without competent investment in yourself, other types of investments lose their meaning.

Contribution to health and beauty

Psychology says: beautiful people are much more successful than not beautiful. This is easily explained, because everyone wants to communicate and start any 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 save on food, quality medicines and clothes. If possible, avoid activities that are bad for health and put life and quality of life at risk.

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

This is one of the most useful investments, it can bring profit many times over and for the rest of your life. There are 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, and this one has a so-so reputation.

Reputation is the most important asset. After all, people who have a good assessment of others are more likely to be trusted with large sums of money and transferred to 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 in a separate company, it is enough to show punctuality, initiative, honesty and attentiveness to others.

So, gradually, such a person will be asked for advice, offered funds for knowledge and invited to speak at events. These are the first signs of the work of a name on a person. If you do not stop, then after a while you can receive money only for one mention of the name.

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

Investment in your development

Dubious methods of investing

HYIP projects

These are pyramid schemes and they promise investors quick earnings in a short time. Many will say that this is a scam. However, everything is quite legal and if you pick up the deposit on time, you can stay in the black. The more interest a HYIP project offers, the less time it exists, and the higher the risks.

Buying Cryptocurrency

This is an unusual way to invest. Cryptocurrency was invented in the West as an alternative to the usual currency, which was later issued by the state. In Russia, such a currency is considered illegal, therefore, investing in this area is illegal.

They receive such virtual money in the following ways:

• mining - by calculating blocks. In this case, the video card of the computer is used;
• exchange of traditional currency for bitcoins.

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

To date, there is no demand for bitcoins, and everyone is selling them cheaply. 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.

Position Contribution

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 time. People buy warm places to enrich themselves illegally.

It is better not to consider such contributions, because it is illegal. But they exist, so let's talk about them in more detail.

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

Payback comes in the very first days of entering a new position. The negative points for a fraudster are the risk of criminal prosecution, moral anxiety and mental anguish.

Online casino deposits

Online casino advertising on the Internet is enough. You are promised mountains of gold and easy money. 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 gives you a win, you need to change the color and act again 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 merge everything. It is not as easy as it seems, it is sometimes impossible to stop, because the mind overshadows the excitement.

Why you shouldn't invest 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 limit your income)) Well, that's it!

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

Now I'll tell you why I think so. After all, there are people who make good money on this. All these earnings do not depend on you! And I don’t like it when I am only 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 earnings earn on YOU. They simply refer you through an affiliate program and earn both for referral and 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 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, replenish your account in the system and start investing, your partner will be paid 1600 rubles for you. But whether you earn or lose there, no one cares.

This is just one example, but there are a lot of them in HYIPs, pyramids, bets, casinos, etc. Some webmasters deliberately invent stories for themselves, how they make good money on it, so that you register using their links. Well, okay, I have nothing against webmasters, but I would not invest in the above.

As for sports betting, here's what I want to say. Although I have a friend who makes good money on this, I still don’t recommend this investment tool, because it drains the same amount later. Although he is a good businessman, everything is in order with his head, but the excitement is addictive. Plus, in this case, the main thing is to find high-quality forecasts, and not forecasts of scammers.

How to make your own savings work, make a profit? And to keep the risks to a minimum. Let's look at the main mistakes of a novice investor.

Haste to make a decision

The investor receives a very favorable offer, quickly agrees and makes a profit. Gets excited, further, thoughtlessly accepts such proposals. As a result, it remains not only without profit, but also without initial capital. Do not quickly agree to the proposals of even the most reliable person. Emotions are out of place here, only cold calculation and strategy.

Inability to accumulate capital and form a portfolio

The first profit is a great joy for a new investor. But it is worth acting wisely and making plans for future investments. It is important to learn how to make 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, the 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 an opinion based on all the data and build a plan on your own.

How to store money so that it does not depreciate

Currency

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

I try to keep money in the following 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 is also dripping on them without opening a deposit)

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