Investment investment of money. Where to invest a small amount of money. Where to invest a million rubles to earn

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Warren Buffett's first investment was the purchase of three shares at $ 38.25 apiece, with a profit of only $ 5, and 60 years later he topped the list of the richest people in the world, and continues to remain in its top ten to this day. This is the best example of how patience and dedication can make huge capital even with minimum funds... Most people do not want to learn how to invest, believing that this requires a lot of money. In practice, this is not entirely true. You can start investing from $ 50 if you know how to do it right.

Investing is an investment of free Money in various instruments for the purpose of generating income. This way of making money works in the long term and is able to bring passive income for many years.

There are several types of investors in the financial environment:

• individual and institutional;
• financial and industry;
• short term and long term.

In general, there are quite a few types of investments.

Bill Gates is a prime example. According to a Bloomberg report, he holds no more than 20% of the total capital in shares of his brainchild - Microsoft. More than 50% of all funds are invested in the market financial services and the Warren Buffett Foundation, 14% in consumer goods companies such as Wal-Mart Stores and Coca-Cola. About 15% - in shares of industrial corporations and companies from the industrial sector - Caterpillar, Canadian National Railway Company, FedEx Corporation. Almost 10% of the capital was invested in large companies the consumer sector of the cyclical type - McDonald's and S.A.B., and another 5% - in the energy industry (Exxon Mobil and BP).

Bill Gates is one of the richest people on the planet

In an interview with Rolling Stone (March 13, 2014), Bill Gates said that good luck in investing comes with those who start small. According to him, many people are sure that financial investments are a kind of project that does not require anything but money, and this is partly true, but it is important to understand and plan your actions correctly, as well as set clear goals for yourself.

Financial experts have identified two main styles that can be traced in investor behavior:

1. Conservative, within which the investor's primary task is to protect his capital and gradually increase it by investing in reliable financial instruments: bonds, certificates of secured investment funds, financial products with guaranteed return of funds.
2. Aggressive, implying that the investor invests money in highly volatile assets that have high potential returns: shares of small companies with significant growth dynamics, securities without collateral, financial products without a guarantee of capital return.

In general, the same person can combine both styles, depending on the situation and the project they want to invest in.

Where can you invest

The market offers dozens of options from which to start investing, depending on the chosen strategy and the type of financial instruments. Even with a small start-up capital, you can invest in the following assets:

• currency;
• real estate;
• precious metals;
• promising startups;
• cryptocurrencies and blockchain technologies;
• collateralized shares and bonds;
• mutual funds;
• bank deposits and deposits.

Of course, the easiest way is to put money on a time deposit or open a deposit. But, as calculations show, this method is effective only in the long term.

The average interest rate on a bank deposit "Top up" in Sberbank is 5% per year

For example, when you open a deposit of 50,000 rubles for a year at 7% per annum, the monthly amount of payments will be about 289 rubles, and at the end of the term of the agreement with the bank, the total amount of income will not exceed 3,500 rubles.

In February, as well as in the month of placement and the month of withdrawal, the payment will be less, based on the number of days that the amount is on the account.

Investing in stocks allows you to earn more income than from bank deposit, both in the short and long term.

Is it profitable to invest money?

Investments are the driving force of any economy and an effective tool for increasing capital for every person. Benefits of wise investment:

1. Passive income. A successful large investor does not have to go to work every day or earn money in another active way: he does not work for money, but money works for him.
2. Diversification of income. Salaried worker receives income in the form of salaries most often from one source, less often from two or more. But an investor can make a profit from dozens and even hundreds of sources by regular redistribution of capital into various financial instruments.
3. Unlimited income. Active income is always limited by the time and effort required to generate it. Passive income from investing does not have such restrictions, therefore, it can increase regardless of the time spent and the efforts made.

Proper investment allows you to earn and achieve life goals, which often largely depend on the level of material well-being.

The investor gets at his disposal the most valuable resource - the time that he can spend on his loved ones and favorite activities.

Investment myths

Opponents of investing often cite theses as arguments, which most often have nothing to do with the real state of affairs.

Large start-up capital

One of the most common misconceptions that prevents most people from starting investing from scratch is the belief that only millionaires can invest in projects. In practice, if you monthly invest $ 50 in mutual funds at 30% per annum, after 2 years the amount of savings will be $ 2000.

Investing is a gamble

Banker Edvar Dubinsky tells whether you can live on interest from your investments:

In fact, with the right approach, the risk of losing money is not that high. Investments with good profitability and low risks are considered investments at 30-60% per annum, with average risks - up to 120%.

Special education

Undoubtedly, to start investing, it is advisable to first study this, but not necessarily at a higher educational institution. There are many courses, books and articles in free access.

Many years of experience show that the majority of successful investors are specialists in areas not directly related to economics and finance, such as Bill Gates, Larry Alison, Ingvar Kamprad. These people have multibillion-dollar fortunes, but have not even received higher education, which suggests that dedication and self-education are much more important than a diploma from a prestigious university.

What does a novice investor need to know?

A newcomer to the investment market should study a lot and be constantly interested in the latest events in the country and the world, follow stock quotes and economic policy.

At the first stage, you need to study the basics of investing and concepts, without which it is impossible to form a clear idea of ​​financial instruments and the principles of working with them.

There are hundreds of books on the internet on the basics of investing and money management. Unlike articles and threads on forums, they are able to provide more complete information on how to start investing. The following investment books will be most helpful:

1. « Intelligent investor"(Benjamin Graham). The book was published in 1949, and since then has not lost its popularity and relevance, telling in detail about value investing.
2. "Essays on Investment, Corporate Finance and Company Management" (Warren Buffett). The book contains letters from Buffett to shareholders of Berkshire Hathaway, which he runs. They allow the best understanding of the philosophy of the Great Investor and the psychology of thinking of a successful person.
3. Rich Dad's Guide: Learning to Invest (Robert Kiyosaki). The book is designed for novice investors and has not so much teaching as motivating character, charging with optimism and self-confidence in the investment field.

However, the most valuable teacher is experience, which, combined with the study of literature and the financial market, will make it possible to achieve success.

Speaker of the InvestFuture channel Kira Yukhtenko highlighted the top 6 rules of wealth Warren Buffett:

What are the investments

When choosing a project for investment, it is worth considering its type. One of the most important parameters is the degree of risk, based on it, projects are divided into:

• risk-free - insured deposits with an expected profit;
• low-risk - investments with a risk higher than the market average;
• average risk - investments with a degree of risk equal to the average market;
• high-risk - deposits with increased risk and income level above the market average.

For investment objects, investments are of two types:

1. Real - investments in production facilities and equipment, material objects of a non-production nature and intangible assets.
2. Financial - investments in various financial instruments: stocks, bonds, futures, etc.

For the purpose of investment, the following types of investments are distinguished:

• direct - carried out directly to the authorized capital of the company, after the conclusion of a direct agreement between the investor and the recipient of funds.
• indirect - investing funds with the help of financial intermediaries: brokers or investment companies.

It is best for a novice investor to resort to the help of an intermediary in the search and placement of their capital in various financial instruments. So he will be able to avoid significant financial losses due to investments in low-income or high-risk instruments.

Tinkoff-Bank offers its clients its active mediation in various types of investment

Errors

Most mistakes are caused by carelessness in matters related to finance. The most common mistakes of a novice investor:

• invest all the money in the shares of one company.
• take out a loan for the formation of investment capital.
• invest more than you can lose.
• do not diversify risks.
• abuse high-risk investments.
• invest without strategy and planning.

Before you start investing, you must at least minimally learn this financial art, calculate all the risks and set clear goals for yourself.

Maxim Temchenko talks about his first experience of investing money, including mistakes and ways to fix them:

Detailed instructions for a novice investor

Start off investment activity best with small investments in risk-free or low-risk assets. You can avoid mistakes at the initial stage and learn how to invest correctly if you follow the instructions:

1. Assess your financial capabilities. At first, it is important to correctly calculate the amount that you will be able to regularly save and invest, the financial reserve and mandatory expenses.
2. Define investment goals. The main goal of every investor is to generate income, so you need to decide what percentage of profitability will be attractive given the available initial capital. At the stage of setting goals, it is worth remembering that high and relatively quick income is provided by high-risk assets, but in this case, the risk of losing all your money increases, especially in the absence of experience and knowledge.
3. Set the investment period. This is necessary in order to understand during what period the depositor plans to receive a certain income. The optimal investment period is from 5 years, but it varies depending on the selected asset.
4. Develop an investment strategy. Investing money without a clear understanding of exactly how to handle the received financial instruments is the path to bankruptcy.
5. Choose an investment method. Deposits can be made directly or through an intermediary - a broker or an investment company. It is best for a beginner to use the services of reliable intermediaries that have established themselves in the market, even if there is a direct investment opportunity.
6. Determine the amount of investment. This is a very important stage: during it you need to select several assets and calculate their potential profitability for the desired investment period. It is advisable to take assets from different industries in order to diversify risks. With a small capital, you can use highly liquid assets that are sold in a few days, for example, currencies.
7. Invest. And finally, the most important stage, to which some of the potential investors simply do not reach. If all the previous points were fulfilled, and the calculations were made correctly, then the investor simply needs to monitor the growth in the value of assets and make a profit.

Another important issue that worries many novice investors is the legality of the income received. Kira Yukhtenko tells how to pay taxes on investments on the stock exchange:

In any case, investing is a sound financial practice that allows you to receive monthly passive income. You don't need to own large sum, since many projects allow for a small financial investment. The main thing is to understand the purpose of your investments, have patience and believe in success.

Gone are the days when keeping money in a savings account with a bank was the accepted norm. Today everyone knows that money should not be dead weight, but work. However, this simple rule is not easy to implement in practice. It seems to many that a small amount of money is not suitable for investing in a business or project. In this article, we will tell you in detail about where to invest a small amount of money in order to receive a constant income.

Experts argue that the problem of investing money is a complex issue more from a psychological point of view than from an economic one. The fear of investing in a project overpowers the economic rationale of the rule of needing money to work. Especially when it’s not about a large amount.

People consider the issue of investing money to be the prerogative of very wealthy and successful businessmen. At the same time, investing is a way of investing money, regardless of the amount.

To narrow down the search for interesting and really working ideas for investing money, in this article we will limit the budget to 50 thousand rubles. But this does not mean at all that ideas cannot be used for an amount of 5-10 thousand rubles.

It is more important to understand the principle of investment and the essence of the law launched by Robert Kiyosaki that “money must work”.

Are we saving or increasing?

Before looking for an investment option, it is important to clearly define the goal. If the goal is to preserve capital, then a bank deposit would be the best method. But at the same time, a bank deposit is not the best way to capitalize a deposit and get a good profit.

Even at the most favorable interest rates, by the time the contract expires, inflation cancels out all the economic benefits.

This is where you have to choose between financial risk and capital gain. It is also important to understand that when investing money in any project that generates income, it is important to bide your time.

You cannot pull money out of circulation, be it any business project or investment in mutual funds.

You also need to analyze your financial capabilities and determine the desired income. The money should be really free.

Golden Rules for Successful Investing

Thinking about where to invest a small amount of money so as not to lose it and to make it profitable, you need to clearly understand the principle of investing.

The rules for successful investing will help you manage the money you earned and prevent mistakes that many beginners make.

Rule # 1. Money must be free

Experts recommend that before any investment of money, provide yourself with a so-called "financial cushion". This concept came to us from the West and means a specific amount of money that is needed to ensure life.

This includes expenses for food, utility bills and medical services, purchase of gasoline, etc. Depending on the situation in the family, the number of children, you need to calculate how much you need for these compulsory expenses per month. Now multiply it by 6 and get the amount that will be the “financial cushion” for 6 months. It is this period that experts determine as the most profitable for investing money.

An exception to this rule can only be passive income from a bank deposit that was previously placed with the bank.

Rule # 2. Having a permanent income

When investing money, you must understand that you cannot withdraw money from circulation. You must have active or passive income in order not to withdraw money from the project for a certain period of time.

Therefore, if you are not sure that you will receive a constant income in the near future, then it is better to refuse to invest.

Rule # 3. Distribution of money in different directions

Given that we are considering specifically investing a small amount of money, it will be difficult to distribute it in different directions.

But in order to understand the rules of the investment market, you need to know that diversification allows you to minimize financial risk as much as possible.

Rule # 4. Planning and strategy

Set a clear goal for your investment. It is important to understand how much you want to extract from the capital that you tax and for how long. Write down your long-term and short-term goal. This will allow you to determine the investment option and choose the most optimal way.

Rule # 5. Explore the types of investments

Before investing money in a project or giving it to a professional for work, study on your own all the available investment methods that are suitable for your amount of money.

Balance the risks and opportunities. If you invest on your own, you should start with a small amount of money and choose the simplest ways. Over time, increasing the experience and level of knowledge, you can move to the next level.

One should be wary of offers of quick super-profits. At first glance, they seem very tempting, but they often carry a very high unjustified financial risk.

7 best ways to invest money

1. Investing in gold or precious metals
2. Purchase of securities
3. Starting your own business
4. PAMM accounts

In order to understand the essence of each of these types of investment, their risks and opportunities, let's take a closer look at each.

Investing in gold or precious metals

When it comes to a small amount of money of 1-2 thousand dollars, then buying gold is the best option. But, as in the case of a bank deposit, here it is more about the safety of money than about making a profit.

Unlike a bank deposit, investing in gold, you will be independent of the inflation rate. Gold does not lose value and every year its nominal value only increases.

The statistics of Sberbank of Russia show the profitability of metal accounts over the past 5 years in the region of 84%. At the same time, the price for 1 g of gold from 2012 to 2017 increased by 30%.

By investing in precious metals (gold, platinum, silver), you do not have to worry about the fact that at the end of the contract term, you will receive an amount of money in your hands that no longer has the nominal value that it had at the very beginning of the deposit.

Given the economic instability in our country and the growth of inflation, investors recommend giving preference to just such an investment over a bank deposit.

You can choose 4 attachment options:

• buying gold bars;
• buying coins;
• unallocated metal accounts;
• purchase of shares backed by gold.

The indisputable advantage of this contribution is the availability of this method.

Here you do not need to have fundamental knowledge in the field of investment in order to calculate the profitability and risks of a project. Silver is purchased in bars from 50 g to 1000 grams, palladium from 5 to 100 grams.

When concluding an agreement, the bank must issue a document confirming the authenticity of the gold and its estimated value.

What should you know when investing in this way? Gold is property, which means that when sold to a bank, a tax of 18% will have to be paid.

You can get around this point by purchasing coins instead of gold. The fact is that they are already money in themselves, so they are not taxed upon sale.

Another type of this method of investing funds is the compulsory medical insurance (depersonalized metal accounts). Such an account can be opened in any Russian bank, having a license for this type of operation.

Video. Investing in gold

The client purchases gold from the bank at the price that is set on the day of the transaction and opens the OMC. The purchase price of the precious metal in the bank will be higher than on the stock exchange.

When opening a special account, the client has nothing to do with gold specifically. He transfers money to the account, purchasing a certain number of grams. When the account is closed, the bank returns to it the cash equivalent of the current account.

At the same time, there will be no need to pay a tax of 18% for gold. OMS are not subject to VAT. Additionally, interest is charged to the impersonal account, as is the case with a bank deposit.

Financial risk is a serious drawback. Unlike deposits, such compulsory medical insurance is not insured by the bank. In case of bankruptcy of a bank, there is a high probability that your capital will not be returned.

To summarize, it should be said that investing in gold and precious metals is reliable, but not profitable. If you are more considering a way to save money, then investing in "gold" is the best option with minimal risk.

If we are talking about making quick profits, then this path will not be the fastest.

• long-term investment;
• availability;
• high liquidity of gold;
• precious metals do not lose their value;
• the possibility of passive income.

• you will have to pay tax when selling gold;
• high purchase price of precious metals in the bank;
• long-term investment;
• you won't be able to get big profits right away.

Purchase of securities

This type of investment refers to the purchase of stocks and bonds of companies. A security is a document that gives certain rights to property or part of it.

The security has a market and par value. What is the difference? The market price is influenced by the supply and demand of the stock market. Face value is the actual price stated by the company. It depends on the size of the company's capital. Speaking in simple words, the sum of all authorized capital divided by the number of issued shares of the company.

Dividends are paid to shareholders based on nominal and not market value. As a rule, the par value is a very conditional indicator and rarely coincides with market value generated by demand.

The advantage of such an investment is that you can count on a good income, which cannot be compared with annual interest from a bank deposit.

The downside is that in order to manage investments, you need to be well versed in the specifics of the stock market.

Securities are one of the most volatile instruments that are subject to numerous external and internal economic factors... For beginners who still want to try their hand at investing in securities, experts recommend purchasing dividend shares... In any case, they will be able to make a profit.

Starting your own business

Many people can be very skeptical about this type of investment, given the small amount of capital. However, today on the Internet you can find a lot of business ideas for starting your own business with minimal investment.

Here is just a small list:

1. Growing home plants.
2. Flower shop.
3. Opening of a nail service studio.
4. Shugaring salon.
5. Breeding nutria or rabbits.
6. Production of semi-finished products at home.
7. Home atelier for sewing and repairing clothes.
8. Making gel candles or handmade soaps.
9. Organization of weddings.
10. Cleaning company.

A mutual fund is a mutual investment fund.

This organization is based on trust management of depositors' money.

The purpose of such a fund is to manage depositors' funds, while professionals are involved in investment processes.

Simply put, you allow experts to dispose of capital by investing in various areas of production.

It should be noted that investing in mutual funds is no longer as popular as it was 10-15 years ago.

In the early 2000s, the rapid development of such funds allowed their investors to extract up to 500% of profits from projects. Today we are not talking about such a huge profit, but it is still a good form of investment.

Any citizen who has money to buy one share can invest in a mutual fund.

A share is one part that has its own par value. The advantage of such investment is that you do not need to have fundamental knowledge in the field of economics and finance. Professionals will be engaged in the search for profitable projects. At the same time, the mutual fund does not limit the geographic location of the company. So, you can invest in domestic and foreign companies.

The experts here use the principle of diversification. The one that we talked about in the basic rules of successful investment.

A mutual fund allows you to invest money in the development of companies involved in oil production, sales of cosmetics, production and processing of goods.

How does the investment fund work scheme?

For example, you have an amount of 50 thousand rubles. You understand that this is not enough to launch a large project. If you find 9 more people with the same amount, then half a million rubles can already allow you to launch an interesting and profitable business idea. But where to find the rest of the participants? Here is a mutual fund just and allows you to combine the efforts of several investors for competent money management. At the same time, the fund does not limit the amount of the deposit. Anyone can become a participant, and the income will be distributed according to the amount of investment.

It should not be forgotten that a certain amount will need to be given to experts, because it is they who will analyze the market and determine where to invest money.

Each of the participants in the fund, depending on the amount of investment, receives a certain number of shares. This indicates that each share has its own par value.

For all the money, the fund to which you have entrusted the assets buys shares of companies (maybe different companies) and manages them on the stock exchange. At the end of a certain period, which is stipulated in the contract, the participants of the fund can take their profits together with the initially invested capital. And they can only take profit, leaving the capital to work further.

It would be fair to say about the financial risk that exists in this type of investment. Of course, it is, but minimal.

Firstly, professionals with special education and extensive experience in the field of investment will work with the money.

And secondly, taking into account the principle of diversification, money will circulate in different projects. The likelihood that all projects will immediately "burn out" is minimal.

The good news for those who are afraid to invest money in mutual funds is control by the state. Even so, in order to minimize financial risk, it is important to choose the right fund.

Consider several criteria when choosing. Don't just focus on profitability. It can be high rates in a short period or by ordinary accident, a fortunate coincidence. If it is the profitability that is the main criterion for you when choosing, then analyze the profitability of the mutual fund over a long period of time.

There are open-ended and closed-end mutual funds, which differ in terms of entry and equity participation.

An open-ended fund is convenient for a minimum amount of equity participation and a short-term investment.

A closed-end fund offers long-term investment.

Having on hand an amount of 10-15 thousand rubles, you can safely invest it in a mutual fund and at the same time count on a profit that will grow every year.

Very often people, having in their hands an amount of half a million rubles, do not come up with anything new, except how to put all the funds into a deposit account.

The income from such an investment will be much greater than from a deposit, but only if this fund works well.

• the deposit is managed by experts;
• high profitability;
• free entrance;
• low entry threshold;
• the possibility of deposit insurance;
• state control over the work of the fund;
• transparency of money management;
• the ability to withdraw money with an open form of deposit;
• variety of projects.

• payment for the services of professionals;
• financial risk.

Investing in PAMM accounts

Another option for investing a small amount of money is a PAMM account. To some extent, this option is similar to a mutual fund in that it combines the money of several depositors.

But the main difference is the management of this money. Anyone can become a trader and manage investment accounts. it brokerage companies, which have recently been gaining great popularity thanks to intense advertising in the mass media.

PAMM is a form of money management by one person who "plays" securities on the stock exchange. All other participants observe the process, making a profit in proportion to the money invested.

In order to realize this type of investment, you need to find a professional successful broker. A professional broker is the key to the success of this type of investment. It is important to understand that all monetary transactions take place without the participation of the depositor.

If you have always wanted to make money on the exchange, but at the same time you understand that you do not have sufficient experience and knowledge, then investing in a PAMM account will be the best option.

Brokers earn their percentage from each transaction, so they are primarily interested in the success of the project. But at the same time, they do not invest their money, which means they do not bear financial risk. For a depositor, investing in a PAMM account is good opportunity receiving passive income.

Video. Investments in PAMM accounts

Conclusion

Of course, this list of options for investing a small amount is far from complete. In this article, the information was based on the criteria of the amount of capital in 50 thousand rubles and the absence of certain experience.

Today, on the Internet, you can find many offers on the topic of small investments. To avoid becoming a victim of scammers, do not consider pyramid schemes. A tempting offer of quick and high profits is always offset by the fact of a complete loss of your capital.

Video. Where to invest a small amount of money?

Greetings! This year cannot be called boring and predictable: neither for Russia, nor for world financial markets... The indices of both Russia and the United States have grown great, over the past 10 months my portfolio has grown by 20 percent.

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

Here I included tools with almost 100% reliability. "Almost" - because. All three assets only partially offset the losses from inflation!

Bank deposits

If your investment horizon is too short for risky assets, you have little choice. Ideas will also have to be abandoned, so the only thing that remains for you is banal bank deposits.

If you need to try to save your capital first of all from yourself, your beloved, then it is better to open time deposits, without the right to replenish and withdraw (for example, the product "Save" from Sberbank). On such deposits, they always offer the maximum interest rate. And it is forbidden to withdraw part of the deposit until it is closed.

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

Safe bonds

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

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

The most reliable are federal loan bonds. Their repayment is guaranteed by the government Russian Federation... But it is better to form a bond portfolio from. Fortunately, the symbolic value of the bond (only 1000 rubles) is quite possible.

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

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

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

Gold

Stock

Unlike bonds, stocks are potentially high-yield instruments. Experts believe that in 2019 the MICEX index will grow further, the Central Bank will continue to reduce key rate, and oil will rise in price. Against this background, many Russian “giants” have good growth potential.

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

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

The main idea and advice is to pay attention to companies with a growth perspective and.

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

Own business

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

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

To receive passive income

Real estate

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

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

Real estate abroad brings even less - up to 5-6% per annum. The solution of all organizational issues in some cases it is better to convey to a professional management company... She will look for tenants, resolve issues with current repairs and payments, etc. For this she will have to "donate" 15-20% of the rental price. But - real passive income!

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

To receive income in foreign currency

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

Eurobonds

Eurobonds can boast of all the advantages of ruble bonds. Plus they have additional protection against currency risks... After all, that's why they are "euros", which are denominated in foreign currencies: dollars, euros, Swiss francs and British pounds sterling.

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

The average yield on Eurobonds is 3-5% per annum (paid twice a year). The minimum par value of a security starts at $ 1000. The main problem with such securities is liquidity. But more about that, some other time.

Unit-linked programs

I've already talked about unit-linked programs. Let me remind you that a foreign product combines savings, life insurance and investments.

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

By the way, since 2013 it has been successfully trading on the Moscow Exchange, which cover a fairly large part of the markets that were previously available only through foreign brokers.

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

But foreign currency deposits today bring mere pennies (up to 2% per annum). And no one is seen as a serious investment tool anymore.

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

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One of the most profitable activities is investing. However, many do not dare to start doing it because of many doubts and fears. Moreover, most often these fears become unfounded. How to learn how to profitably invest your money, what investing is for beginners, will be discussed in this article.

Concept

Investing is understood as the acquisition of assets and securities in order to obtain profits in excess of costs. This type of activity is a whole science of how to make money. That is why investing is becoming more and more popular every day. Who doesn't want to have financial independence while doing what they love? In other words, those wishing to receive stable passive income can pay special attention to it. Most people think that it will take huge amounts of money to start investing. This is also a misconception, therefore, before giving up a promising job, you should study some important nuances.

Basic moments

Indeed, initially a certain amount of money will be required, but it may be insignificant. Depending on what goals the investor pursues, the size of the first costs will depend. But the profit will be corresponding. How more risk, the larger the amount. And vice versa. Investing Fundamentals for Beginners dictate that the first step is to get rid of all debt. You cannot start your business in the hope of making a profit in order to pay off borrowers. How to invest for beginners? It is necessary to repay previous loans and accumulate a certain amount. It should be comfortable for every future investor. For example, for someone, $ 1000 is not enough, while someone is afraid of losing $ 100. Therefore, depending on your financial capabilities, you should make a start. The main thing to remember is that whatever the amount turns out to be, it should not lead to a stupor from fear of losing it.

If saving the required amount is too long for a future investor, then you can sell some things (old household appliances, a used car, etc.) that are no longer needed. Especially if big dividends from deposits are foreseen ahead. The main thing is not to get into debt and not get credit loans. There are many areas for investment, the main goal will be to find exactly your industry and a way to increase your money.

Investing - where to start?

First and important step on the way to a successful financial activities there will be training. Without the foundations of the theory, you can't even try to start investing. Otherwise it will be a roulette game. These two concepts should not be confused, since you can quickly lose your invested funds without understanding what investing is for beginners. Training can take place in specialized schools or study books on your own. In any case, having familiarized yourself with the basics of this activity, you can move on to the next step, while already feeling confident in yourself.

Next, you need to set a goal for yourself. This is not as easy as it might seem at first glance. The success of the whole business will depend on the choice of the right goal. It must be adequate, clear and achievable. For example, it would be foolish to want to make a million in a month after starting an activity. Investing for beginners means moving towards your dream in small steps. Having received the first real (albeit small) profit, the depositor begins to feel his strength, and new horizons open up for him. He begins to understand the principles of the game.

The main rules of a novice investor

The nature of the work will be determined depending on the goal. Allocate aggressive trading strategy and conservative. More details about them will be discussed below. Experienced investors are advised to start with conservative trading. In this case, the risk is minimal, the income is stable, and investing for beginners can bring pleasure from the activity. The main rule of a beginner should be complete self-control. Exposure to emotions can play a cruel joke and leave only negative impressions. Thus, discipline in work should become the main criterion for successful performance.

In addition to the rules listed above, a novice investor should not invest in those instruments that he does not know. It would be foolish to give your money to the sugar industry if a person has spent a lot of time studying the gold and foreign exchange market. In this case, preference should be given to the latter option.

It is imperative for a successful investor to follow the laws of investment. They are here, as in any industry. To learn these laws, you will first need to spend a lot of time learning. You also need to diversify your deposits, that is, distribute them in several directions at once. This reduces risks and increases the chances of earning income.

You can trust your financial resources to a professional only after knowing his reputation. In order not to run into a scammer, it is better to contact trusted firms with positive reviews.

Selecting an intermediary

Having asked questions about what investment is, where to start his activity in this area, the investor should know that an exchange intermediary plays an important role in his success. Most often, such intermediaries are brokerage companies. With their help, you can make deals or undergo training in advance. The main criteria when choosing a broker should be his reputation and conditions for concluding transactions. In the event that the tariffs and prices are unreasonably high, and the quality of the services provided leaves much to be desired, then it would be most correct to choose another option. Today on the Internet you can find information about almost any organization. Therefore, before giving preference to any company, you should look for reviews and carefully read them.

Investing lessons for beginners, which are conducted by many brokerage companies, allow you to understand what type of investor a person belongs to. If in real trading an inexperienced player has little chance of understanding the rules of the game due to a quick "drain" of the deposit or loss of capital, then in the training version many mistakes can be avoided. Having chosen the most comfortable conditions trading and instruments on a demo account, the investor will be able to draw correct conclusions in real work. Depending on your passion, you can understand whether it is worth starting to work with securities, or it is better to postpone the idea until a later date, or completely.

Choosing a strategy

Some people think that investing their financial resources to any industry this is where it ends. That is, the feeling is created that, having acquired shares, the investor is simply waiting for his profit with folded hands. This is a big misconception because he actually follows his strategy. Success will depend on whether it is chosen correctly, whether it suits the trader's temperament.

The strategy is formed on the basis of the collection of various information, such as political, analytical, economic and others. For example, depending on what type of strategy the investor chooses, his investment portfolio will depend. Risk-averse people prefer to form their package of securities from non-traditional financial instruments and stocks. With their help, the trader is given a chance to make big profits in a short time.

Investors inclined to conservative trading prefer to invest in traditional securities and stocks, which have a small but stable percentage of returns. The investment tools of a novice investor may be different, depending on the chosen trading tactics. For example, those who lean towards the analytical type of activity use graphs. And the one who makes a decision based on the economic condition of the country closely follows the news. The combination of two strategies at once gives a chance to get a stable and high income... It is the search for this type of investment that becomes the meaning of all work for many.

Any person who is professionally involved in investing will confirm that the main goal is to profitably invest their financial resources, while protecting themselves and their deposits as much as possible from possible losses. That is why experienced investors, before advising a beginner on where to start investing, focus on this fact. It will take a lot of time before you understand how assets and instruments work. But, as mentioned above, a successful investor should always pursue his goal. And she is only one in this type of activity - to make money.

Many successful players in the foreign exchange and exchange markets advise to always remember the basics of investing for beginners. They are the ones who lead even experienced investors through crisis moments. After all, knowing the main rules and possessing self-discipline, you can really achieve real heights in a new sphere for yourself.

Professionals also advise turning to more experienced players for help. For example, in the case when a novice investor doubts his own abilities, he can entrust the management of his capital to a specialist.

You should not trust your money to various companies that promise huge interest rates in a short period of time. These are the so-called pyramids that can leave not only without the promised interest, but also without the initial investment. Thus, you should first familiarize yourself with the general recommendations of experienced investors and heed their advice. Relying only on yourself, you can make many mistakes.

The most profitable investment

In addition to those investors who are professionally engaged in this activity, many other millions of people are racking their brains over where to profitably invest their funds. Investing for beginners in Russia provides several ways to successfully invest your money. Some of the most profitable options will be considered below.

The most common way to multiply your money is through bank deposits. They are available to almost every citizen. In addition, bank deposits are insured, which gives a guarantee of the safety of money in case of an unforeseen situation or economic crisis... Of course, the return on this type of investment leaves much to be desired, but it is safer and more profitable than just keeping money under the mattress.

Another, more profitable way is to invest in PAMM-accounts. PAMM investing for beginners is a promising way to generate passive income. With its help, a person may not even be engaged in trading securities and currency pairs on their own, but entrust this work to a professional who will directly manage the account. Your profit will depend on whether the trader is chosen correctly.

Investing in real estate has been one of the most profitable ways capital investment. Depending on the point of entry to the market and the time of exit, the amount of income will vary. An investor should not just invest money in any object he likes, but calculate everything correctly, make an analysis of the economic situation of the country, the area where the object is located. If everything is correctly calculated and thought out, then in a few years it will be possible to get a solid income. The difference between buying and selling will be the depositor's salary.

Investing in precious metals is not so common in our country, but it is a fairly profitable and stable option. The main precious metal is gold, and, as you know, it is constantly growing in price. During the period of its slight fluctuations, you can profitably buy or sell metal. The whole risk lies only in the fact that it is almost impossible to accurately predict the time of the rise or fall in value.

Real estate investing for beginners

This option attracts a large number of investors not only in Russia, but all over the world. Investments in real estate provide an opportunity to profit from both sale and rent. Over time, rental payments can cover the depositor's expenses. However, most citizens do not have the opportunity to engage in this type of capital investment. The question is, how can real estate investing be done for beginners? For example, if the depositor has a small free amount, then you can buy only a room, and then rent it out. So, it will be possible in the future to bring it into a decent form, and with the received dividends, over time, redeem the rest of the apartment or premises.

You can purchase not only apartments and buildings, but also land... It is also a profitable investment of money. Of course, not everyone can spend money on plots in Moscow, but investing for beginners in Ufa, for example, will be a great option for a start. In addition to domestic objects, there is always the opportunity to purchase those abroad.

Typically, investing in commercial or non-commercial real estate is a long-term project. You shouldn't expect instant income from such a move. Most often, this type of activity is engaged in large investors, because for small ones these are too high risks. Therefore, it is best to take advantage of insurance to minimize your risks. This will require additional costs, but otherwise it can secure against large losses.

Let's summarize

So, we can conclude that investment is a very serious type of activity that can not only bring a huge income, but also leave the investor with nothing. That is why, before deciding to invest in any area, you must initially weigh the pros and cons. The goal of an investor is not only to make a profitable investment and save it, but also to increase it. This is a very painstaking work that requires constant training, analysis of incoming information and adequate decision-making.

The management of securities requires daily attention from the investor. Having decided to engage in this activity, sometimes you should leave a permanent place of work. Otherwise, torn between the two directions, you can lose both of them.

Investing, the beginning of which will be laid only at the most opportune moment, becomes a profitable direction for activity.

Hello dear readers of the business magazine site. Today we will talk about investments. If you have money savings that you can invest and earn on it, why not do it today. We have prepared a detailed analysis of the banking sector and will show you where to invest money under high percent with an income guarantee. It is important that the money not only lay in a safe place, but also work for you and make a profit.

From our article you will learn:

• Where and how best to invest in 2019 and make money on it?
• Which banks give the most favorable interest on deposits?
• Where to invest money from 50,000 to 1,000,000 rubles to get real income?

All methods are really tested in practice and, according to many experts, are more relevant than ever. Let's get started.

We will give advice in which banks to invest money at a high interest rate with a guarantee + an overview of the TOP-10 profitable niches for investment.

Where is the best place to invest in 2019: basic rules and expert advice

Where to invest money at a high interest rate with a guarantee? This question is asked by many people from year to year. Unfortunately, the situation with modern economy now it is such that the usual earnings are sometimes not enough even for the most necessary for life, eh? All this makes people look for new ways to earn money, which, fortunately, are not so few.

As it was 5 years ago, as it is now and how it is likely to be in the future: there are several industries that offer depositors a reliable source of additional income. First of all, these are bank deposits and work with securities. Of course, all these methods require deep knowledge, skills and abilities, and in order for them to be profitable, a serious and responsible approach is needed. But on the other hand, with a more thorough analysis, they can bring a decent additional income.

Important: when planning where to invest, it is always worth taking advice from more knowledgeable people who have already gained some experience in this area. Also don't underestimate financial risks: in any enterprise they are, and they must be taken into account! Patience, perseverance and luck will do the rest!

Where to invest money at a high interest rate with a guarantee - TOP-10 niches + expert advice

Option number 1. Purchase of foreign currency

In order for the invested money to be profitable, it is necessary that they constantly move in various financial flows in order to work. Buying foreign currency is one of the most common industries today, suitable for earning money. Moreover, the most bought currencies are the US dollar and the euro. Most of those who invest in foreign currency do so because of the stable exchange rate against the ruble, as a result of which people are not afraid that the dollar will collapse sharply tomorrow.

This investment method can be implemented in several ways, the main of which are banks, brokerage firms. If in the first case, only a passport will be enough, then in the case of the stock market, you will need to sign a binding agreement. By the way, on the stock exchange, in addition to the dollar and the euro, the Japanese yen, Swiss franc, British pound sterling and some other currencies also have high quotes.

The main advantages of this type of earnings include the following:

• High percentage of profit. In some cases, the profitability of this type of earnings can reach about 80-100%.
• Avoiding inflation. If you know how the currency behaves in different periods, you can reduce the likelihood of falling under inflation to a minimum.
• You can practice at any convenient time. Here a person is not tied to various conditions, so you can buy currency at any convenient time.
• Sufficiency of information. It means that a person can access the Internet at any time of the day and “monitor” the situation. Due to the visibility of changes in rates, you can decide in advance on further actions.

Advice: for the fastest increase in capital, it is better to invest in the US dollar, if the safety of funds is in the first place, then you should choose Swiss francs.

Option number 2. Investments in works of art (antiques)

You can invest money in various works of art both in order to preserve your material wealth, and in order to significantly increase them. But despite all these obvious advantages, in order to invest in art, you need to have a good understanding of art, as well as be aware of current trends. But first about the pros.

The first and perhaps the biggest benefit is simplicity. In order to become a member, you do not need to obtain any additional licenses or other permits. It is enough just to look through the current catalogs or visit the exhibition or gallery directly. After that, the authenticity of the object is confirmed by an expert and only then the purchase is made. But when purchasing a piece of art, you always need to be prepared for the fact that the wait may take several years, or maybe more, so this is considered a long-term investment.

The disadvantage of this method is the fact that you will need to at least partially understand this area or, in extreme cases, hire a consultant. By the way, many investors work with consultants.

Tip: experienced experts advise you to take this method of earning very seriously and, if possible, study all aspects in the smallest detail. And always, before buying, it is better to spend money on an invited expert than to buy an art object for a lot of money - an object whose value will be minimal.

Option number 3. Investing in startups in young Russian projects

Why are startups good? The fact that the very concept "" means something new, something that no one has done or done before, but in a different way. In short, any startup is interesting and exciting, as well as risky.

In general, from the point of view of profitability, investing in startups is considered quite profitable, but you need to be prepared for the fact that the result will not be visible immediately. In addition to the advantages of this venture, it is always worth remembering about the risks, the list of which can be narrowed down to the following three points (in short):

1. High competition... There are many startups today, but only a small part of them will be able to break through, enter a niche and, at the same time, make money. One of the main disadvantages of investing in start-up projects is the fact that you never know if it will work or not.
2. Lack of business contacts... Unstable supplies, malfunctions, jambs with service are just a few of the problems that can arise if there is no experience. Business connections and effective business: Communication still means a lot in the modern business world.
3. Changes in legislation... What does it mean? It's simple: most start-up projects are tied in with a small initial investment, and some can even be launched only with support. government programs... And in case state support is canceled or added additional conditions, the whole startup idea could come to naught.

Advice: It's no secret that any business requires constant attention and dedication, especially when you invest your own money in this business. To get the maximum result, you need to constantly monitor current affairs day after day, constantly solve problems, and participate in all important stages of the project. This is the only way to ensure at least some effect, including an economic one.

Option number 4. Buying a farm for mining cryptocurrency

Recently, more and more users choose to earn money. According to Coinmarketcap, every day the volume of bitcoin trading is about $ 112 billion, and this is not the limit.

You don't have to do anything complicated to get to grips with it. First you need to register on any of the cryptocurrency exchanges, since there are a lot of them now. The most famous of these exchanges are BTC-e, Cex.io, IndaCoins, LiteCoin, LocalBoitCoins and others. The next thing is to earn bitcoins.

The process of issuing Bitcoin cryptocurrency (from the English mining - production, receipt). Mining is the process of obtaining bitcoins, which is based on solving mathematical problems with working with large amounts of data. In short, the essence of the miner's work is to choose from millions of variants of one single correct code, which is called "hash". For such a hash, you can get up to 25 bitcoins, given that the cost of one bitcoin today is 450 dollars.

Of course, bitcoin mining is a difficult and time-consuming process, but the result is definitely worth it. You can also make money on the difference in its value in the market.

Option number 5. Mutual funds

The abbreviation MIF means Mutual Investment Fund- a concept that is absolutely familiar to everyone who at least a little understands the principle of the stock exchange. People who work with the stock exchange, as well as with stocks and bonds, very often choose mutual funds as their investment project.

From the point of view of the layman, mutual funds can be characterized as a joint (collective) investment of funds and subsequent management of capital flows. On stock market There are many pitfalls, so it is better to trust money to a professional and qualified manager than to manage it yourself.

In short, this is the main point of investing in mutual funds: investing free finances in a fund, and the manager then acts on the basis of his own skills and competencies. You can choose a manager based on his professionalism, qualifications and excellent statistics.

The main advantage of investing in mutual funds is that at any time, the depositor will be provided with reliable support, and several options for further investment and money management will be available at once.

Important: One of the basic rules for investing in mutual funds is that you need to invest money mainly in those stocks and bonds that have now lost their positions, but in the future may rise in price again, which will make it possible to get a good profit in the future.

Option number 6. Investment in the construction of private houses / cottages

Real estate has always been and remains one of the most profitable areas for capital investment. But construction is different from construction. In order to get a truly significant profit, you need to initially have a fairly large amount of money, and besides, you need to know what kind of objects to invest in.

According to Barkley's research, 42% of investors prefer to invest in completed construction and 33% in actively under construction. Despite the fact that at the start of construction an object may cost 30-50% cheaper, only 7% decide to invest in such real estate objects.

Wrap-up construction just involves investing money in construction, which is at the start, and then, after the completion of construction, sell this apartment for market price, thereby doubling or even tripling the invested funds.

The main disadvantage of this method is the fact that initially you need to have a sufficiently large capital that can be invested. It is also worth adding to this numerous financial risks, rate jumps and other factors, so it is obvious that to participate in such investments, an experienced consultant is needed who will advise on where to invest.

But on the other hand, if everything works out, the profit will turn out to be truly large, and all investments will pay off with interest.

Option number 7. P2P lending

Private lending, or as it is also called (from the English. Peer-to-Peer), is a method that has been in great demand in recent years. The essence of this method is that the lender provides funds to the borrower on certain conditions. Before investing in P2P lending, you need to consult with a lawyer in order to draw up a competent agreement. This agreement must clearly spell out all the conditions on which the loan is made, and also must indicate all the main financial risks that the lender may incur.

The advantage of this method is that thanks to this lending system, you can get a fairly high income, because the percentage of the loan can sometimes go up to 50% per annum. If you calculate, it turns out that by lending a person, for example, 100 thousand rubles, then at the end of the agreed period, you can get back 150 thousand.

Of course, apart from the obvious advantages, there are also disadvantages. The main disadvantage of this method is that no one can guarantee a 100% refund. No matter how careful the search and verification of the borrower is, in the end, he may simply not have the funds to repay the debt. And going to courts is a troublesome and costly business.

Option number 8. Foreign exchange market (purchase of securities, shares)

Working with the foreign exchange market and, in principle, is considered quite profitable, but you should remember that you can count on quick earnings don't have to. Investing money in securities most often means purchasing a portfolio of stocks, bonds, and Eurobonds.

Shares are a type of securities that gives the right to participate in the capital of an enterprise. The advantage of acquiring shares is considered to be the possible profit (sometimes equal to 100%, or even more) in the event that the share rises sharply in price. The disadvantage of working with stocks is, again, the lack of any guarantees, since no one knows what will happen to the company tomorrow. And the shares of large stable companies are sometimes much more expensive.

Bonds, unlike stocks, allow the owners of these securities to increase their capital gradually. This method cannot be called fast, but it is relatively stable and reliable. The purchase of bonds can significantly reduce the risk of financial losses, but at the same time they have a much longer period than stocks.

And finally, Eurobonds. Eurobonds are a type of securities issued by large corporations and government agencies in the denomination of the currency. The minimum rate for purchasing Eurobonds is USD 1,000. The main advantage of working with Eurobonds is the exchange rate difference. This means that the owner at any time can profitably invest and sell the Eurobond without losing, but even gaining from the percentage of the exchange rate difference.

Option number 9. Accumulative insurance

Endowment insurance in Russia is not as developed as, for example, in the United States of America, but even here it is possible to turn endowment insurance into a way of earning money.

Generally speaking, the scheme of endowment insurance can be outlined as follows:

• The client enters into a life insurance contract with an insurance company, which indicates the amount of insurance benefits. After signing the contract, the client pays the company an insurance premium, the amount of which he chooses on his own. The contribution can be paid in whole at once, or it can be divided into several parts and paid out gradually. If nothing happened to the client for a certain period of time (it must be prescribed in the insurance contract), he comes to insurance company and returns his funds, and even with interest.

For example, in the West, the percentage of large insurance companies is 10-12%, in Russia, this rate, unfortunately, is still lower, only 5-7%. But even this will be a decent bonus to the deposited amount, after a certain period of time. This method is somewhat similar to a regular bank transfer, except that in addition to the deposit, the client receives, first of all, the life insurance service itself.

Option number 10. Bank deposits

When it comes to where to invest money in order to receive passive income, the first thing that comes to mind is bank deposits. This is not surprising, since bank deposits are fast, convenient and more or less reliable (especially if you know which bank to put money in).

The essence of this method is to conclude an agreement with a bank, on the basis of which a person brings money to the bank, thereby not only saving it, but also increasing it. This method is beneficial for both parties, since the person, in addition to the deposited amount, receives additional interest, and the bank gets its benefits when it puts this money into circulation.

The indisputable advantage of this method of earning is that the bank, among other things, also insures money, that is, the depositor can be 100% sure that the invested money will be returned to him.

Important! You should always pay attention to the accompanying conditions of the deposit, on which the bank operates. So, for example, in addition to the annual rate, there are also conditions such as the possibility of prolongation, capitalization, early withdrawal of funds, etc. All these concepts taken together make it possible to judge whether it is profitable to invest in this bank or not.

Where is it better to invest money at interest in a bank with a monthly income? Review of interest rates and offers of banks.

Which banks to invest money in at a high interest rate with a guarantee - TOP-10 profitable offers of banks + tips for passive money making

Before answering the question "where to invest money at a high interest rate with a guarantee", you need to carefully study the main options that I offer today various banks... Below are the 10 most attractive retail bank deposits that exist today.

Bank # 1: Binbank Bank, "Maximum interest" deposit

The amount of the deposit is 1 million rubles. Interest rate - 8.20%, deposit term - 1 year. At the end of the year, the income will be 82 449 rubles

Bank number 2: Bank Rosselkhozbank, "Investment" deposit

The amount of the deposit is 1 million rubles. The interest rate is 8.15%, the term of the deposit is 395 days. Upon the expiration of the term of the deposit, the income will be 88 196 rubles.

Bank number 3: Credit Bank of Moscow, deposit "All inclusive: maximum income"

The amount of the deposit is 1 million rubles. Interest rate - 8.00%, deposit term - 1 year. Upon the expiration of the term of the deposit, the income will be 81,096 rubles.

Bank No. 4: Bank Promsvyazbank, deposit "My income"

The amount of the deposit is 1 million rubles. Interest rate - 8.00%, deposit term - 372 days. Upon the expiration of the term of the deposit, the income will be 80 438 rubles. There is an additional option of preferential termination.

Bank number 5: Bank Otkritie, deposit "Superpromo"

The amount of the deposit is -1 million rubles. Interest rate - 7.5%, deposit term - 1 year. At the end of the year, the income will be 75 thousand rubles.

Bank number 6: Bank Russia, deposit "Classic"

The amount of the deposit is 1 million rubles. Interest rate - 7.40%, deposit term - 1 year. At the end of the year, the income will be 76,562 rubles. There are 4 options: monthly payout, capitalization, replenishment and preferential termination.

Bank number 7: Bank Sovcombank, deposit "Maximum income"

The amount of the deposit is 1 million rubles. Interest rate - 7.50%, deposit term - from 9 months. Upon the expiration of the term of the deposit, the income will be 75,000 rubles. There is an option to replenish the deposit.

Bank number 8: Bank UniCredit Bank, deposit "For Life"

The amount of the deposit is 1 million. Interest rate - 7.25%, deposit term - 1 year. Upon the expiration of the term of the deposit, the income will be 75,599 rubles. There is an option for monthly payments, capitalization and preferential termination.

Bank number 9: Gazprombank, Investment Income deposit

The amount of the deposit is 1 million rubles. Interest rate - 7.20%., Deposit term - 1 year. Upon the expiration of the term of the deposit, the income will be 72 395 rubles.

Bank number 10: Bank Saint Petersburg, deposit "Rentier online"

The amount of the deposit is 1 million rubles. Interest rate - 7.00%, deposit term - 1 year. Upon the expiration of the term of the deposit, the income will be 70 384 rubles.

Where to invest 1,000,000, 50,000 -300,000 rubles to make money and not burn out?

let's consider real examples investing money and see how much we can make from it.

Example # 1: We invest 1,000,000 rubles and analyze profitability

Where to invest in 2019 to make money at the same time? Let's say a person has a million rubles. One million rubles- this is quite a decent amount in order to invest it for further earnings. Now the most main question: where to invest? Moreover, there are actually enough ideas. Take a bank deposit for example

Bank deposit- This is one of the most famous ways of investing money, which can also bring significant profits. So, for example, choosing a bank deposit with interest rate at 10% per annum, it will be possible in a year from a million to receive one million one hundred thousand rubles.

If you make simple calculations, you can calculate that the return on this investment is 10%, this is an average indicator, which, nevertheless, is within the framework of reliability.

Unambiguously answer the question “ what is the normal profitability?»No, since everything is very subjective and depends on each specific field of activity. For example, for production and sales, 10% is considered low, but given that bank deposits are completely passive income, then 10% is a completely normal figure. If we calculate the average annual inflation rate, then we can get an even more accurate answer.

In addition to bank deposits, the construction sector is also interesting for investors. If we approach the issue from this point of view, for one million rubles, you can buy a small studio apartment at the initial stage of construction, and then sell it, say, for 1.8 million. In this case, the profitability will be 44%, and this is already an excellent result. True, the downside is that in construction, you always need to take into account the risks, and the final cost of an apartment can change, both upward and downward, which will differ by an order of magnitude from the expected cost.

Important: there are several types of profitability, but for this particular case, the return on equity is suitableRoe, which is calculated using the formula (net profit / equity) * 100%.

Example # 2: We invest 300,000 in a real business project

An investment of 300,000 rubles is a sufficient amount to open a small business, which within the first year will be able to bring an entrepreneur a good income. If a person has free 300,000 rubles, the next step is, and this is a very important step. When choosing an industry where to invest and not go bankrupt, one should be guided not only by intuition, but also to conduct a thorough the financial analysis and seek the advice of experienced investment professionals.

But out of the blue, there are some interesting ideas that can be implemented quite successfully, they are listed below:

• Household goods ... Household, or in other words, household goods are always needed by everyone. If you find suitable suppliers, you can open, for example, a small online store selling household goods. Over time, building materials can be added to household goods, and this is also always beneficial.
• Kitchen furniture ... Talented designers and carpenters will never be left without work, so if you have the funds, you can start fulfilling orders for the production of kitchen furniture. In order to open your own small workshop, you will need production room and several employees. Over time, after regular customers appear, it will be possible to expand production.
• Food delivery... Food delivery services are a very convenient and necessary thing for many. The scheme of work is built as follows: you will need to collect a base of suppliers, it can be small cafes, snack bars, pizzerias, and then the user orders food through the delivery service, pays money for delivery. The plus is the fact that it is not necessary to have your own vehicle fleet, it is enough to connect drivers or a taxi service to the system.
• Bakery shop ... Opening your own workshop for the production of baked goods is also a very interesting business, but at the same time it has its own difficulties. So, for example, in order to start working, you will need to obtain special licenses for the production of food products and permits from the SES, an environmental certificate and others. But on the other hand, if the business goes uphill, it will be possible to recruit an actual client base, eventually make good advertising for yourself and, perhaps, expand.

These were just a few of the ideas, but in fact, there are many more, you just have to look.

Example number 3: Where to invest 50 thousand rubles to make money quickly?

50 thousand rubles is not that much money, but even they, with a competent and thoughtful approach, can bring a good income. Of course, starting your own business from scratch with such an amount is unlikely to work, but investing in existing projects, or taking extra money - that's fine!

Humanity now lives in a world where the Internet is developing very, very rapidly, and this is a huge plus. Now almost any information can be found on the Internet, there you can also get acquainted with real stories, as well as take into account the advice and recommendations given by experienced entrepreneurs.

So, the most suitable industries for investing 50 thousand are:

• Services sector;
• Franchising;
• Network marketing;
• Dropshipping or drop shipping system;
• Vending;
• Infobusiness.

These are just some of the investment ideas that do not require huge funds, can be carried out with the participation of involved partners and, in addition, these investments are ways to bring a good profit.

For example, a well-thought-out franchising, in a good scenario, can be profitable already in the first months, since there is already a well-known name and a well-functioning scheme of work.

The same applies to info-business, but here it is important to choose a successful project. You can promote your project, and if you do it skillfully, you can soon feel the first successes from your work.

Conclusion + Related Videos

In conclusion, I would like to say that regardless of which idea is chosen or which project is launched, the main thing is to be patient. You should not expect that everything will come literally the next day, you should always remember that patience is the key to many doors.

Watch a video with an example of investing:

After all, only through your own experience, your own achievements and failures, you can achieve something. And in order to make your work enjoyable, it is still better to invest in those areas that arouse at least some interest, personal participation. And there, over time, success and luck will come, and economic efficiency, of course!