Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂
Investment options really huge amount! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀
In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest your money.
You will also learn about where you should not invest your money so as not to lose it!
And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍
Regardless of what amount of money you are going to invest: small or large, this article will be as useful as possible for you!
In addition, you will learn:
- What investment options are there, what are their returns and which one should you choose?
- Where can you profitably invest money on the Internet?
- How to invest money correctly so as not to burn out?
- And also about where it is better not to invest your money!
Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉
1. What is important to know about investments?
First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.
No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).
You should always remember this, because investments can bring both profit and loss!
Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.
Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.
But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉
In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:
- profitability,
- risk,
- payback period,
- minimum investment amount.
We will also consider all the pros and cons of each investment option.
Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.
For example, you can distribute it like this:
- conservative portfolio (bonds, real estate, precious metals...) - 50% of all funds;
- moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
- aggressive portfolio (foreign exchange market, cryptocurrencies...) - 20% of all funds.
❗️Important:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!
On the contrary, many people strive to receive maximum income, but at the same time completely forget about risk. And as a result, due to greed, they are left with nothing.
Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.
And if you have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.
Read this article to the end, because at the end of the article you will learn about other important rules of investing!👇
2. Where is the best place to invest money in 2019 - TOP 15 profitable investment options
So, let's finally look at the options and decide where you can profitably invest your money so that it generates income!
Option #1: Bank deposits/savings accounts
DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 6% to 8%.Deposit rates have been falling steadily downward in recent years and are likely to continue to fall in the future.
How to make money on stock growth - Google example
In 3 years, Google shares have grown by more than 100%!
For these purposes, so-called “individual investment accounts” (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).
☝️In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.
But of course there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!
The biggest risk for stocks (for those who bet on their growth) is financial crisis! The rest of the time, shares generally grow steadily and show good profitability.
Alternatively, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:
- RTS (50 largest companies in Russia),
- S&P500 (500 largest US companies),
- NASDAQ (100 US high-tech companies).
If you do not want to invest personally, then there is an option to entrust your money to professional managers. But I will describe this in detail below.
CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| 15-100% per annum (change in share price + dividends) | depends on strategy | 1-7 years | from 5-10 thousand rubles |
| (⭐️⭐️⭐️ - medium/high) | (⭐️⭐️ - medium/high) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) With minimal/moderate risks you can get relatively high returns. | (+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold. | (- ) Knowledge required. Uncontrolled risk and “flirting” with the market can lead to significant losses. | (- ) In the event of a crisis, shares can seriously and quickly fall in price. |
Option #4: Bonds
DESCRIPTION: Where do you think the big banks invest their money? Mainly in bonds! Yes they do small income, but with a high guarantee and reliability. Especially if you take government bonds.Along with bank deposits, bonds are considered one of the simplest instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.
For those who don’t know, a bond, simply put, is an IOU. They can only act as borrowers as large companies, and the state.
? By the way, Sberbank and VTB24 recently began selling national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .
I agree, not very much, but the rate is certainly better than most available on at the moment bank deposits. Moreover, in the future, deposit rates may decrease.
You can also consider bonds of large, reliable companies - their rates will be higher! For example, on Sberbank bonds the average yield is approximately 9,2%-12,2% per annum (depending on the term).
In this case, you can invest large funds in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.
I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating(This is why they are called “junk bonds”). Although they are able to bring enough high income, they are a very risky type of investment.
Bonds, just like shares, can be purchased through an individual investment account (IIA) without having to pay income tax (if you purchase them for a period of more than 3 years).
CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 7% to 15% per annum (for risky ones from 30% to 100% and above) | depends on bonds (for government bonds - very low) | 7-12 years | from 10 thousand rubles |
| (⭐️⭐️ - medium/low) | (⭐️ - low) | (⭐️⭐️ - medium/low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income. | (+ | (- ) Relatively low yield compared to stocks and some other assets. | (- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less confidence in it. |
Option #5: Forex
DESCRIPTION:
Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).
Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles per 1 dollar, and you sold dollars.As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).
You can trade on Forex either yourself or give money to professional traders to manage (this will be discussed in detail in the next section of the article).
When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.
It is important to note that when trading in person, you need to follow proven trading strategy, otherwise trading will most likely turn into a casino and lead to a sad result known in advance.
But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to strategy, then you can actually make good money on Forex. But this needs to be learned!
Although you can start on Forex with minimal amounts - from $1, you still need more or less serious investment(preferably from 100 thousand rubles), since even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be that big.
In my opinion, one of the most effective strategies for trading day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!
Among reliable brokers you can choose, for example, Alpari or RoboForex.
CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore riskier. However, with skillful investing you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 100% per annum and above | depends on the strategy (initially has a high risk) | 1-7 years | from 100 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If you have an effective strategy, you can get high returns. | (+ ) Low entry threshold and accessibility. | (- ) High risks, especially for beginners. You can lose significant money in a short time if you don't manage your risk. 99% of beginners lose their money. | (- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period. |
Option No. 6: PAMM accounts, PAMM portfolios, trust management and structured products
DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading on financial markets(stock markets, Forex, oil, gold...).
That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.
All you need to do is distribute the initial investment amount into parts (preferably at least 5-10) and invest in different managers.
For example, the Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.
At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.
⭐️ About profitability!
The income here can be quite acceptable - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!
PAMM accounts and PAMM portfolios for investments must be assessed based on at least 3 parameters:
- account/portfolio age,
- past profitability,
- funds invested by other investors.
For example, here is one of the most popular PAMM accounts on Alpari:
PAMM account “Lucky Pound” and its profitability (click to enlarge)
💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.
However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.
Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been generating losses over a long period. This is the whole secret of investment!
Read more about how to properly invest in PAMM accounts (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information there!
With larger initial capital, you can work with large stock brokers (for example Finam and BCS), who also provide various trust management strategies.
For example, you can give Finam in trust from 300 thousand rubles. Their website presents dozens of diverse strategies: conservative, moderate and aggressive.
Of course, both brokers and managers also cannot 100% guarantee that you will receive income.
I would like to tell you a few words about the so-called “structured products”.
They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).
The essence of structured products is that you also invest money in stock markets (more precisely in specific stocks, futures...), which experts expect will rise or fall in the future.
It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.
Here is an example of structured products on Alpari:
CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Especially suitable for beginners.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 200% per annum and above | depends on the type of strategy: conservative, moderate, aggressive | 1-8 years | from 500 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) By allocating funds to the most effective managers/strategies, you can get a good average return. Suitable for beginners. | (+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading yourself. | (- ) Relatively high risks compared to bonds and bank deposits. | (- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically. |
Option No. 7: Own/partner business
DESCRIPTION:
And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!
Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated, or simply invested in someone’s business at the development stage.
Another option is to buy ready business or open a franchise business (in this case the risks will be much lower).
Moreover, even if you have a small initial capital, you can still open your own business. Many people opened profitable business with virtually no investment or minimal investment, so money is not the most important thing here, the main thing is desire and aspiration!😀
I myself started from complete scratch several times successful business! By the way, if you look at the statistics, then among millionaires there are about 70-80% - these are entrepreneurs who started a business from scratch!
✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«
Read about how to find your favorite job/work of life.
If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s a small one at first. The main thing in this matter is not to be afraid take the first step!
Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?
Here are some more useful tips:
- Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
- Choose niches with minimal competition- it’s easier to start with them.
- If you have a small initial capital, then it might be worth trying a service business.
I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇
Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂By the way, goods from China are now very popular, where the markup can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page websites).
Another area that does not require large investments and is not so difficult to start is wholesale business via the Internet.
Moreover, both in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).
In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.
Read more about how to organize in a separate article!
CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 1000% per annum and above | At the initial stage there is a high risk | from several months to 1-5 years | from 10,000 rubles (you can even start from scratch) |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) One of the highest returns among all investment instruments. | (+ ) It is easier for a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the idea! | (- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business. | (- ) You need to understand business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn. |
Option #8: Mutual funds
DESCRIPTION: Mutual funds can also be classified as trust management, which we have already talked a little about.
Mutual funds are professionally engaged investment activities, investing and managing the money of their investors (investing in certain stocks, bonds...).
Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.
It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.
Mutual funds usually provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:
Profitability of mutual funds for 11 months
However, mutual funds do not provide guaranteed profit unlike bonds and deposits, there are also often unprofitable periods.
But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.
The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example Sberbank.
If this type of investment is suitable for you, then it makes sense to choose not one mutual fund, but several, in order to distribute possible risks.
And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on forums. So simple action you will protect yourself from unreliable and fraudulent organizations.
CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 12% to 30% per annum | moderate | 3-10 years | from 1,000 rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The average yield exceeds interest rates on bonds and deposits. | (+ ) Low entry threshold, as well as state control of the activities of mutual funds. | (- ) There is no guarantee that you will receive income. There is an additional “commission” (surcharge) for the purchase/sale of shares. | (- ) You will have to pay 13% tax on profits - many other investments have preferential tax conditions. |
Option No. 9: Microfinance organizations (MFOs)
DESCRIPTION:
Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.
The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).
The longer the investment period, the higher the interest rate. The minimum period in MFOs is usually 3 months.
It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest money in bonds or in a bank at interest.
If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.
⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.After all, it is better to invest money in a reliable organization at a slightly lower interest rate than in a newly established MFO with a high interest rate.
Additionally, it would be a good idea to look at reviews and read articles on well-known information portals(for example, RBC) about this or that microfinance organization.
If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀
And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉
CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 10% to 30% per annum | moderate | 3-9 years | from 1 million rubles |
| (⭐️⭐️ - average) | (⭐️⭐️ - average) | (⭐️⭐️ - medium/low) | (⭐️ - high) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High rate relative to bank deposits. | (+ ) Passive income. Minimal participation on your part. | (- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles. | (- ) Increased risk, since there is no deposit insurance - in the event of bankruptcy, no one will return the money. There is fraud. |
Option #10: Precious metals
DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. Moreover, such investments are highly reliable!
It is especially important to invest money in gold and other precious metals during a crisis, since this is where money migrates from the stock market.
Gold coins/gold bars can be purchased from almost any bank (Sberbank, Gazprombank) or from brokers (for example, Alpari).
Despite its high reliability, investing in gold is more suitable for preserving existing funds than for increasing them. In addition, such investments are designed for a longer term period of 3 years or more.
Gold prices - chart
❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.
The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.
However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly in price since 2012 and is currently in a sideways trend.
CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term for the purpose of preservation.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 3% to 15% per annum (in a crisis the yield is higher) | Minimum | 7-20 years | from 1000 rubles |
| (⭐️ - low) | (⭐️ - low) | (⭐️ - low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time. | (+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis. | (- ) Low profitability during periods of economic growth and development. Income tax is 13% on the sale of gold if the holding period is less than 3 years. | (- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold. |
Option #11: Cryptocurrencies (Bitcoin)
DESCRIPTION:
Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.
Of course, the most best time for investment was a few years ago, when Bitcoin was worth about 150-200 dollars.
Some experts say that in the future Bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.
Others argue that Bitcoin is about to collapse. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably increase in price.
Moreover, while cryptocurrencies are showing a steady growing trend.
But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it and yet it is a rather risky investment instrument.
For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!
CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for themselves, one thing is clear - it is definitely not worth investing all your money in them!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 1,000% per annum | elevated | from 3 months to 1-5 years | from 100 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very tall) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If cryptocurrencies grow, you can short term multiply the invested funds several times over. | (+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency. | (- ) Very high volatility of cryptocurrencies; in a matter of days they can both rise in price and seriously collapse. Low predictability. | (- ) Cryptocurrencies are not backed by anything, as this is another bubble. There is a complete lack of guarantees - if you lose money, no one will return it. |
Option No. 12: Internet projects (online business)
DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on this global network.
It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.
The following directions are currently popular:
1. Websites. Information websites are created and filled with unique content.
With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.
WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles per day. The spread is very wide, since the topic of the site determines how much income you will receive.
Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.
But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.
2. Social publics. Surely almost each of us is subscribed to some community in social networks(VKontakte, Facebook, Odnoklassniki...).
Meanwhile, the owners of such public sites also earn money mainly from publishing advertising posts. In publics with millions of subscribers, the cost of one advertising post maybe it's worth it 2-7 thousand rubles .
Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, you won’t have to wait long for success!
3. CPA affiliate programs/traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods/services.
For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.
If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, the main investments here go specifically to advertising.
But in this case, experience plays the main role, without it you can’t go anywhere!
4. Online services. You can also invest money in creating an online service. These include various freelance exchanges, message boards, exchangers...
For example, projects that exchange electronic money(essentially they are called exchangers).
For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is with the help of exchangers. By the way, you can also purchase bitcoins using exchangers.
Exchangers, in turn, charge a small commission for the exchange (usually 1-5% ). Due to turnover, a fairly decent income is obtained.
5. Applications for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is circulating.
So if you have interesting idea, which will be in wide demand, then it might be worth trying to create your own application.
❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.
Even if you don't know anything about how to create applications, you can create them for very little money ( 20-30 thousand rubles ) order on freelance exchanges.
Here, as elsewhere, the key role is played by the idea - the success or failure of the application depends on it.
6. Hype. HYIPs are in reality a financial pyramid that lives off the funds invested in it.
Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.
There are HYIPs that “live” for several months or even several years, but the profitability on them is correspondingly several times/tens of times lower.
In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).
And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly knowledgeable about it.
CONCLUSION: Online projects- This is a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum of investments.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 500% per annum | moderate | from 3 months to 2-4 years | from 500 rubles |
| (⭐️⭐️⭐️ - high) | (⭐️⭐️ - medium/high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High profitability. The investment can pay off very quickly. | (+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort. | (- ) There is a risk that the project will not take off and will not pay for itself. | (- ) Knowledge will be required. You need to have a good understanding of the key nuances of online business. |
Option #13: Venture funds/investments
DESCRIPTION:
Venture funds are especially widely developed abroad; in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.
The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.
A distinctive feature of venture investments is their very, very high profitability, they can bring in thousands of percent!
But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.
☝️ Real example!
The largest for today Apple, Google, Intel... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .
There are basically several ways to invest money in startup projects:
- crowdinvesting and crowdlending platforms (suitable for beginners);
- venture funds;
- investor clubs.
CONCLUSION: And yet venture investments poorly developed in Russia. Yes, and often a large one is required starting capital, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 40% to 3000% per annum | elevated | from several months to 1-3 years | from 10,000 - 100,000 rubles (to venture funds - from $500,000) |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very tall) | (⭐️⭐️⭐️ - high) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If successful, you can get the highest possible return. | (+ ) It is not always necessary to invest large amounts of money at the start of a project. | (- ) Very high risks, most starting projects turn out to be unprofitable. | (- ) Fraud is widespread - investment platforms can turn out to be financial pyramids. |
Option #14: Art objects
DESCRIPTION:
Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.
It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent profit on investments.
❗️ Only important feature at the same time, such investments often require large investments . And besides, to get a good return you need to invest for a long period ( decades ).
Like investing in precious metals, investing in art is not subject to inflation and will only become worth more over time.
And the crisis has virtually no effect on the value of art objects.
CONCLUSION: This type of investment is suitable for those who understand at least something about art and are ready to invest money for the long term.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 100% per annum and above | minimum | usually from 1 to 3-5 years | from 100,000 rubles and above |
| (⭐️⭐️ - medium/high) | (⭐️ - low) | (⭐️⭐️ - average) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) You can get relatively high returns with minimal risks. | (+ ) High reliability. Over time, art objects only increase in price. | (- ) Often, investing in art requires a large initial capital and involves long-term investment. | (- ) You need to be a specialist, have specific knowledge and experience. |
Option No. 15: Knowledge and personal development
DESCRIPTION:
No matter how incredible it may seem, it is always the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience...).
It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.
I think more than once you have heard stories about how most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).
In addition, often in order to learn something, no investment is required at all - the main thing is that there is a desire, and everything else will follow!
If you have free funds, then it makes even more sense to invest some of it in your development: attend trainings, webinars and seminars.
One of the most important differences between investing in knowledge is that no one can ever take it away from you. You can lose everything, but not the acquired skills and experience.
For example, in the USA they conducted an experiment: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after just a couple of months he managed to earn tens of thousands of dollars from scratch.
CONCLUSION: Therefore, if you don’t yet know where to invest your money, then the safest option is to invest it in yourself (at least part of it). And don’t forget that even a bad experience is also an extremely valuable experience! 👍
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| endless | minimum | from several weeks/months | from 0 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️ - very low) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The most important and most profitable asset in the world is knowledge, skills and experience. | (+ ) No one can take away your knowledge and experience, and you will always be able to turn it into money. | (- ) For many, it is difficult at first to motivate themselves to study. | (- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience. |
3. Golden rules of proper investing - TOP 5 tips
And now I want to introduce you to a few more very important rules investments that will help you manage your money correctly!
First, what I already talked about at the beginning of the article is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.
Instead of investing everything in one tool, distribute the amount equally across several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.
If you have very little money, then think about starting your own business.
Second — most of try to invest funds (40-60%) in assets with the lowest risk, optimal choice Between profitability and risk, as for me, is real estate.
And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.
Believe me, this is an already tried path on which hundreds of millions of rubles have been lost!
It will allow you to survive unfavorable times and find other sources of income.
Fourth- create passive income so that you can receive money even when you are not working.
Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure it's real company, not scammers.
It will also be great if you learn to give 10% of your profits to charity.
As Socrates said:
There is only one good - knowledge and only one evil - ignorance.
4. Where to invest money to earn money - specific examples
In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!
I will not consider very risky investment options in these examples. Let's consider only conservative and moderate-risk investments.
- Where to invest 100,000 - 200,000 rubles?
100 - 200 thousand rubles is not such a large amount, so I would most likely invest it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.
As an option, if you do not want to invest in a business, you can consider bonds. As a last resort, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.
If the risk allows, you can try investing in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.
- Where to invest 300,000 - 500,000 rubles?
This is also a relatively small amount by investment standards. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.
If there is an option within this amount to purchase real estate at the construction stage, then you can invest in it.
— Where to invest a million rubles?
Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.
For 1 million rubles. It is already quite possible to purchase a rough apartment and an apartment at the excavation stage.
Or alternatively:
- You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts/portfolios, or invest them in mutual funds.
- But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also advisable to divide the amount into 3-5 parts), gold, art objects...
- I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
- With the remaining amount you can try to open a business (including on the Internet).
5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud
At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.
The world is full of people who invent various schemes to steal money through fraud. Especially nowadays, fraud flourishes abundantly on the Internet (and not only!).
Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.
Both on the Internet and real life people often come across “super profitable” projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payments, very favorable conditions etc. - all if only people would invest their money. 
Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from other people's greed!Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!
The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing any services), but in reality the organizers of this project They only make money from the investments of gullible people.
Sometimes the “history” of a project is so well created and worked out that fraud can be detected to the common man very difficult.
Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.
Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.
I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you will be throwing your money away (tested in my own skin 😀).
Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞
If you are not yet particularly versed in a particular investment object, then invest time and money (it is not even necessary) first of all into your knowledge ! This will be your most profitable investment!
6. Conclusion
Well, you have learned about all the most popular and advantageous directions investing money.
Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!
I hope my experience was at least a little valuable for some of you and you have already decided where to invest your money! 😀
Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !
❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!
Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍
P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!
How to create passive income - 14 working methods + 12 tips for beginning businessmen.
To answer the question: how to create passive income, you need to understand how the mechanisms work passive income, how money accumulates in the account, and also, what to do in order to start earning money without investing your time and effort?
Features of creating passive income and its difference from active
The main difference between passive income and active income is that it does not require investment of time and labor.
The money arrives into the account by itself.
Of course, you will have to put in some effort to ensure that the profit flows into your account, but it pays off and brings you money in the future.
Active income requires constant work, visiting the workplace and performing one’s duties.
To receive passive income, you need to perform certain actions once to receive it.
Receipts will occur over a certain period of time.
To get rich, you must have at least 1-2 sources of passive income, in addition to the main income received from a permanent job.
Many people talk about this in their books and interviews.
When creating several sources of profit, you can even leave your own labor activity“like your uncle” and start your own business.
How to create passive income: 14 best ideas
Government payments.
Disabled people can receive them large families or people who have retired due to age.
Bank deposit.
Investing money in a bank as a deposit is not a big passive income, but for the most part allows you to save money.
However, it is still quite possible to receive not an extra 3-10 thousand per month from a large amount.
Sale securities and mutual fund.
A good option for long-term capital investment with the aim of making a profit.
However, it must be approached very carefully.
Gather all the information about the organization in which you are investing your money.
Income from shares becomes large only after about 7 years have passed since their acquisition.
Own business.
Very good option receiving passive income, but it requires a lot of effort and time before it begins to generate profit.
Venture investments and profits.
To receive venture capital royalties, you must invest in a newly launched company.
After a few years, you can start receiving a very substantial amount, depending on the amount of the contribution.
Investing money in investment and trust organizations.
Profit is generated through the redistribution of capital.
However, in this case there is a high risk of losing your investment.
Purchase of housing under construction and its sale after construction.
A profitable option if you have the funds to purchase one or more apartments under construction.
You will buy it for 500,000 rubles, and sell it for 1,000,000.
However, most likely, you will have to make repairs, at least cosmetically.
When choosing a developer, you should be extremely careful.
Buy housing only from reliable, well-known developers who have been working in the housing market for several years.
Create your own website or blog on the Internet and promote it.
In this case, passive income is achieved by paying for advertising.
On average, on one site, a beginner can earn about 12,000 rubles.
But you can sell a site where the total number of visitors exceeds 5,000 people for 200-250,000.
You can not only make passive money from this, but also build a highly profitable business.
An alternative to the website is maintaining a VKontakte group.
One well-promoted group can bring the owner from 8 to 15,000 rubles per month.
What if there are five such groups?
Selling your own seminars and training courses.
This option is suitable for those who have graduated from higher education educational institution and has a teaching license.
The most difficult thing is recruiting listeners.
However, if the topic is interesting, people will find you.
Write a book.
Income from the work "royalty" goes to the author until the book is removed from sale.
Create an intelligent product.
For example, computer program.
By obtaining a patent for it, you can also receive regular royalties from sales.
Or a car.
Even a one-room apartment can generate income comparable to the average monthly salary of a citizen in Russia.
Renting a salon, hairdresser's place.
The average price of one seat in a salon per month is 8,000 in a small city, and the average price of a salon is more than 20,000 rubles.
Finding the best option from the many existing ones is not a matter of one day.
You should carefully consider the steps, evaluate the initial capital and decide what is best suited.
Many people, thinking about how to create passive income, do not want to do anything about it.
However, in the beginning you will have to work hard in order to reap the sweet rewards in the future.
12 tips for beginning businessmen to create passive income
To become a free person in terms of finances, not to depend on the opinion and mood of the employer, you will have to work hard.
- To become a wealthy person, strive to create several sources of passive income.
- Improve your financial literacy.
- Break your cash capital into several parts and invest in different projects.
- Find a mentor or coach who has already walked your path and can give you some ideas.
- Be prepared for the fact that to create good passive income you will have to work for some time, invest not only money, but also time and effort.
You are always looking for the best option for investing and starting a business.
Look for new assets that will later turn into liabilities.
Be an educated person, read books, attend courses and lectures.
Live the life that rich people lead.
Before investing money, study all the options, do not invest money at random.
Always have it on hand necessary documents, confirming your investment in a company or bank.
Calculate the risks of losing your invested money.
If the risks are minimal, take the risk.
However, if intuition and common sense scream that the investment is not worth making, stop, no matter how profitable the offer may seem.
Think about your future every day.
Decide what you want to achieve.
Open your website on the Internet and develop it.
If there is a lack of capital, the site can be sold for a good amount of money.
Don't try everything at once.
Focus on one project, and when you finish it, try another.
By focusing on several projects at once, you can get confused and lose your investments.
How to create passive income on the Internet?
Organizing your own financial project is a great way to create passive income.
You can open a business both in real life and on the Internet.
If not initial capital, or it is relatively small, the option of creating a business on the Internet is preferable.
Choose the business that you are best at.
This could be website creation, group administration on social networks, copywriting, Forex trading.
To start trading on the Forex exchange, you need to undergo a month of training and conclude several trial transactions.
At the initial stage, invest the minimum amount and develop.
Robert Kiyosaki talks about how to create passive income in the video:
How to create passive income and gain financial freedom?
In books on self-development, achieving success and wealth, millionaires give advice on achieving financial freedom.We have selected the best ideas:
To avoid remaining poor throughout your life, find time to create passive income, even while working your day job.
In a month or a year, these efforts will more than pay off.
Always strive to create as many sources of passive income as possible.
When you make a profit, invest it again.
Develop yourself.
Financial literacy – prerequisite for those who want to get rich.
Start by at least reading books by the world's millionaires and billionaires and follow their advice.
People who think about how to create passive income, are already a step above the rest.
Move forward, apply the recommendations we have described and become a millionaire.
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The concept of passive income has evolved in recent years: from selling hand-made information products to the high complexity of webinars for general directors for thousands of dollars. We all want to earn some kind of passive income and check our mailbox to see an astronomical number of sales growing by leaps and bounds every night. But it's not that simple.
There is one popular blogger on the Internet, Pat Flynn ( Pat Flynn ), a leading website called "Smart Passive Income" ( The Smart Passive Income Blog ). So, he claims that there is no such thing as 100% passive income, and that it is very intense and hard work. To prove his point, he reveals his methods that provide him with a six-figure profit every month.
To receive a tangible income, you need to seriously work and try to bring the idea to life - and all in order to receive a small reward as a result, or not receive it at all. However, correctly set goals and persistent adherence to them will help create several small sources that will pour into your bank account like a full-flowing river.
Here are five ideas for generating passive income that Pat Flynn advocates.
1. Real estate.
First of all, the standard, tired options come to mind: buy a house/commercial property/warehouse/building, add tenants there and receive monthly rent from them. The need to maintain documentation and periodically make repairs can be delegated to a manager who is hired for this. But what to do with an entry threshold measured in tens and hundreds of thousands of dollars?
The new world and its technologies open up opportunities for those who do not have a lot of money, but want to invest a little in order to have a small passive income. For example, a real estate crowdfunding platform RealtyMogul offers to invest in real estate from $5,000, receiving its share in the future business. The service connects investors with small budgets and real estate agents with their projects. It’s very easy to become a shareholder, literally in a few clicks.
Not even this amount? No problem. Services like Airbnb allow you to turn one room of your apartment or a second apartment into a source of passive income by renting them out on a daily basis. However technology has moved even further. Have a backyard, a country house or just a plot of land? Wonderful! Camp in my Garden will allow you to rent them out for short-term rent to those who like (or are forced) to spend the night in the open air.
2. Online trainings.
The idea of online coaching has evolved over the years. Numerous success stories talk about how to build your brand (investing a lot of time, effort and money) and then how to make money by creating courses, hosting webinars and working with clients and entire corporations. Not really passive income.
If you feel like an expert in your field (or at least a high-level specialist), you can use the services of the service Coach. me - after passing the test and creating a profile using the platform tools, start offering trainings via chat, telephone consultations or paid subscription. And if consultations can be called passive income at a stretch, then a paid subscription is quite possible. Once you have written down the answer to a frequently asked question from your customers, you can post it on the platform. There is a fee for downloading - from$0.99 to $149.
3. User lending.
Helping someone who needs it in exchange for a small reward is a good passive income option. For example, site Lending Club brings together independent lenders and investors on flexible terms and with a low interest rate for using a loan. Investors can receive between 5.23% and 8.82% monthly, which can provide ample returns.
Of course, as with any similar enterprise, there is a risk of non-return, but on serious platforms it is very low. In this case, the results can be very serious, as a blogger can talk about Mr. Money Mustache - he described how he received it annual income at a rate of 17% on a deposit of $33,000.
Once in this area, you can develop and develop: for example, on the popular portal Reddit has a Borrow channel , where lenders and investors can be contacted directly. There is a higher risk here, but there are also many options for earning money.
4. Application development.
Developing mobile applications for passive income is not a new idea, but new technologies have changed the process: from high costs time and money to outsourcing and simplicity. All you need is an idea. How to develop a game mobile application, without writing a single line of code, will tell Udemy , and you can choose a performer who can bring your idea to life at Upwork.
You can earn a lot. If you have a really good idea, thought out marketing promotion and experience in social media - there are practically no limits. Recent survey on Quora showed that net earnings can range from $20 per day to $10,000 per month.
5. Social shopping.
Think you have style? Would you like to not only spend money on fashionable clothes, but also how to make money from it? A new trend - social shopping - is designed to help with this.
Buy stylish clothes, register for the service Stylinity , post your selfies. Users who buy such clothes will bring you a “Stylish Tip” ( Style Perks ), which you can turn into cash, experience points, or discounts on new products.
You can also distribute your photos through blogs or social networks, which can lead to increased sales (and therefore your profits).
The above list is, of course, not complete. He only points in the direction, showing with examples that passive income- not something complicated and accessible only to successful individuals. However, even from these examples we can conclude: passive income depends on the amount of effort expended.
Moreover, most of the efforts should be made to evaluate oneself, one’s knowledge, abilities, skills, and to a sound assessment of the time that can be spent on generating sources of additional funds. In addition, it is worth constantly monitoring what is happening around you: what new inventions provide new opportunities, what is worth being interested in and where new opportunities are opening up?
To sell something you don’t need, you must first buy something you don’t need, and you don’t have the money. Passive income means receiving profit from previously invested assets. Here, assets are considered not only cash, but also your various opportunities that will allow you to receive passive income without money. What are these passive income business ideas? Read on.
You need to understand that in order to create passive sources of income with constant and stable profits, you need to work quite hard, think, and actively invest in the business. However, in any case, a correctly constructed passive profit scheme will “recoup” all previously invested funds.
Financial investments are the best passive income
Financial investments as a passive business became known immediately after the advent of money. Now, this view passive business does not lose popularity, and is at the top of any list of ideas for a business with passive income. This type of business is simple - invest money and make a profit. However, this simplicity also brings with it disadvantages - financial investments are a high-risk type of business; in addition to the risks, passive income directly depends on the funds invested and their amount, so 10 dollars will not bring 1000 dollars in a month (unless, of course, you want to get an honest and stable income).
Among all the possible investment methods, we highlight - investing in PAMM accounts. This is a fairly new way of investment with stable high percentages of profit on invested funds from 20% to 90% and minimal risks with a competent approach. You can read more details in a special article.
But, nevertheless, author’s development can cost money and generate passive income. We are not talking about creating a musical hit, a movie or something similar. Although, if you know how to do this... We will talk about copyrights for a computer program, information business or a photograph.
Computer program. If you have programming skills, can build algorithms, and solve other broad problems, you can write useful program, which other users will purchase for money than more popularity your program will have, the more passive income you will receive. We recommend that you pay attention to the creation of programs and games for popular mobile phones. operating systems— Android, iOS, Windows. Programs and games for these platforms have extensive monetization opportunities - from purchasing the program itself to built-in mobile advertising. With the growing popularity of your mobile program you will receive a stable source of passive income.
Information business. It's much easier here than in the previous method. All you have to do is apply your area of knowledge in the right and necessary direction. How does this work? If you have knowledge, then you can easily sell it in the form of consultations, information assistance and courses. You can sell them in offline business, which negates passivity - you need to travel, answer calls, etc. Or you can create your own information channel - paid periodic newsletters, webinars, participation in information sales platforms. With a successful combination of circumstances and the right approach, once created, the material can be sold endlessly, maintaining its relevance.
Read also:
Photo. Whether you have photography talent or not, but having learned it, you can sell copyright photographs many times through special exchanges. These can be thematic photographs - look at photo banks with desktop wallpapers, event photographs - news, etc., and spontaneous photographs - natural events.
Many news projects, publishing houses and other writers are willing to pay for good photo, which will accompany their material.
Constantly and most importantly guaranteed, receiving a certain income every month is the dream of any investor. Money works without your participation or any effort and brings more more money. How to achieve this? The answer is you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of funds invested. And let’s say, for novice investors, the profit received from their investments will be relatively small. But you have to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant investment. In law - over time, even the most modest capital can turn into a fairly impressive amount, the profit from which will give you a significant financial flow in the form of monthly income from the funds placed.
Where can you invest money to receive a constant monthly income?
We buy with different coupon payment dates. It is on these dates that you will be accrued profit. You can create a portfolio of bonds in such a way that profits are transferred to your account every month. Typically the coupon duration is 91 or 182 days. Every 3 months or six months, the profit from the purchased bond will be credited to your account.
Advantages. Higher profitability. Clearly predicted and fixed income. High (you can instantly sell bonds without losing accrued profit).
Flaws. The probability of bankruptcy of the issuer that issued the bonds. For blue chips this probability is low. OFZ (bonds) federal loan) and municipal bonds - practically equal to zero. Usually (although very rarely) so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and everything will be fine.
4. Dividend shares
. Buy ones that consistently pay dividends. And not just dividends, but... On average per Russian market this size is 3-6% of the share price. There are companies (but they are few) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.
The profitability, of course, is still small, but if you consider that you are buying a piece of a working (and successful) business, then further development company, profits will also increase.
For example. Share price at stock market very volatile. They can “walk” within 20-30% throughout the year, both up and down. At the beginning of the year, SurgutNeftegazP shares cost almost 50 rubles per share, then the price fell almost 2 times within six months, to 28 rubles. Considering that the average yield is 10% per share (at a price of 45 rubles) or 4.5 rubles, if you bought at the “bottom” at 28, you would provide yourself with a future profitability of 17% per annum. And if the company’s profit continues to grow, then the annual profitability will easily exceed 20%.
Advantages. By purchasing a “piece of business” in the form of dividend shares, you will have the right to count on a share of the company’s profits. You can find it, thereby obtaining an even higher annual return. As the company develops, profits will increase, which means dividends will also increase.
Flaws. Uneven payment of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Shares purchased may drop significantly in value. But if you are focused (several years), then this will give you the opportunity to purchase additional shares at bargain prices.
In conclusion
It is possible (and even necessary) to receive passive income every month. There is nothing complicated about this. The listed methods are available to everyone. And don't forget. Divide your funds into several parts and use them to make a profit in each way. So of course it will decrease total profit, but you will greatly reduce your investment risks.
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