Where to invest dollars in. Federal loan bonds and Eurobonds. Which banks are better for investing money at interest

New 2016 promises great opportunities for investors. The country's economy has sagged very much. And this is a chance to earn increased profit from your investment. Indeed, it is during the crisis that many significantly increase their capital from successful investments. While some sit on the sidelines with money and wait for the end of the crisis and economic recovery in order to start investing later, others are already taking action. Where is it profitable to invest in 2016? And from what investments is it still worth refraining from?

Where not to invest money

What picture do we have at the beginning of the year? A dollar for 70 rubles. Official inflation is at the level of 14-15%, and unofficial inflation is 2-3 times higher. Low oil prices, at the level of the 2008 lows. Massive outflow foreign investors from the territory of Russia. A drop in GDP of 3%, when the average global growth was about 0.6%.

Therefore, all investments associated with investing in money will be practically unprofitable.

What are these investments?

Bank deposits.

If a year ago, the government, frightened by a sharp rise in the exchange rate of the dollar and the euro against the ruble, raised the refinancing rate to 17%, but now, at the same rate, this rate is being systematically reduced.

What does it do? If at the beginning of 2015 it was possible with a yield of 16-20% per annum, now the average rate is about 7-9%. Such deposits will not even save you from inflation. This means that investments in bank deposits will be unprofitable.

Bonds.

It's the same here. If a year ago it was possible with a guaranteed yield of 15-16% per annum with payments every six months, now the yield on newly issued shares has practically fallen by 2 times. Coupon yield on long-term OFZs is no more than 10%, and even less on medium-term ones. Not the best investment of money.

By the way, those who managed to buy long-term bonds at the beginning of the year will be guaranteed to receive increased interest income from their investments for many years. I have several of these assets in my portfolio, with different maturities. Now, for 20 years, my investments will bring me 15.5% annually. And moreover, the profit from them is not taxed.

P.S. If you are planning to invest money for a period of 3 years or more in bonds, you can additionally increase the yield by 4-5% per annum. Those. buying bonds with a coupon payment of 8%, as a result, your total annual yield will be at the level of 13% profit. How do you get that kind of income? Read about this at the end of the article.

Currency.

If you are planning to buy yourself a pair of green banknotes for further speculation, i.e. sales are not the most the best solution... We are practically at the bottom of the crisis. And there is practically no place for the ruble to fall. Perhaps there is still a slight rise in the dollar, but not much - by 10-15 percent. Those who want to buy already expensive currency hoping for its further growth is no longer so much. The dollar exchange rate directly correlates with oil prices, which are already at low levels, and a further strong fall is unlikely. And if so, then there is a high probability that the ruble will strengthen against the dollar. And the dollars bought now at 71-72 rubles will then have to be sold at 60-65, at best you will work at zero or a small plus.

Now consider

The most promising and profitable investments in 2016

Where is it profitable to invest money now? This is an investment in property, i.e. the purchase of tangible assets that can either increase their value over time or (and) bring their owner permanent passive income... it

• real estate
• stock
• precious metals

Real estate.

Over the past 2 years, there has been a decrease in demand for real estate. People simply do not have money to buy, or they keep it for a "rainy day", due to further uncertainty. Number of apartments purchased with borrowed money(mortgages) decreased significantly. All this leads to a decrease in demand, and, accordingly, to a drop in apartment prices.

Already, the cost has dropped by 10-20%, and in some regions by 25% more. According to analysts, this decline will continue until about mid-summer. And this is a great opportunity to buy an apartment with a significant discount. I have already had a year, when in just 1 year real estate prices fell by more than a third. This allowed me to purchase an apartment with a lower volume attraction. credit funds... Further, within 3 years, its cost reached pre-crisis levels.

The same situation is observed here. When the economy begins to rise, demand will rise and the level of real estate prices will rise.

Belong to the category of long-term. First of all, it is necessary to pay attention to especially liquid objects: one- or two-room apartments economy class located in normal areas. They were in high demand at all times, and it is they who will first of all begin their growth. From investing in commercial real estate it is better to abstain for now.

Stock

There are two ways to go. Or, included in the MICEX index, diversify your portfolio as much as possible. Or choose promising stocks that can give you a significant influx of profits.

Basically, both ways will allow you to make money. Now, in view of the massive exodus of foreign investors from the Russian stock market, stock prices are at significant lows (if we take in dollar prices). The price of some fell 2-3 times. After the sanctions games intimidating investors are over, there will be a massive comeback foreign capital... After all, the Russian stock market is one of the most underrated in the world. And this will spur further growth in absolutely all stocks (at least blue chips for sure).

If you spend a little time analyzing stocks, then you can choose companies that focus specifically on export and make a profit in foreign currency... Such companies, in connection with the fall in the national currency, began to receive 2, 3 times profits compared to previous years. This is beneficial to the value of their shares, and also allows them to receive very good dividends.

We would like to highlight the oil and gas sector. Oil prices fell, but…. it can't go on that long. A couple of years and the reverse cycle will begin. Prices will creep up, and together with them the shares of oil and gas companies will creep up: Lukoil, Gazprom, Surgutneftegaz, Rosneft, etc. Now, while the prices are at fairly low levels. And this is a great chance to make long-term and promising investments in the industry, the revenues from which make up more than half of the country's budget.

Although investments in stocks are classified as long-term, you can receive some part of the profit almost immediately. We are talking about IIS (). You are guaranteed to receive 13% of your investment. And this is without taking into account the growth in the value of shares and the payment of dividends, which can give you even more additional profit.

Now compare the yield on bank deposits in the amount of 8% and investments in the stock market, with the already guaranteed income of 13% and the great potential for growth in value and dividends received.

The crisis is not only bad. A crisis is a great opportunity to successfully invest your money. There is a saying "Who does not take risks, he does not drink champagne!" Of course, taking risks thoughtlessly is the lot of losers. Successful investors weigh their risks carefully. And if the potential for profit significantly exceeds the likelihood of obtaining losses, then such an investment is attractive and can bring its owner a very good interest income.

2016 gives us excellent opportunities for profitable investment, with a possible average annual income of 15-20% per annum or more.

Andrea Jach

Most economists and analysts are predicting a difficult year 2016. Oil, and with it the ruble, are falling in price, while prices in stores are rising. We are increasingly concerned about the question of where to invest the last savings in order to at least protect them from inflation. What do Russians invest in, how to choose the best one investment instrument and keep the savings shared

Where are Russians investing?

As a survey conducted by the National Agency for Financial Research (NAFI) in November 2015 found out, a third of our fellow citizens are trying to provide themselves with a comfortable old age. Choosing ways to store savings, most pay attention to profitability and a guarantee of the safety of investments.

The most popular form of keeping money is bank deposits. They are used about a fifth of Russians (19%) saving money for retirement. Most of them are residents of large cities, among the respondents there are twice as many as villagers (21% versus 12%, respectively).

Only every tenth Russian makes contributions to Pension Fund... In villages there are much less of them - 2%. Investments in real estate are becoming less popular. Only 8% of respondents decided to buy a house or apartment, to make money on your savings.

About two thirds of the population (63%) currently do not use any accumulation tool. Among them, most of those who live from paycheck to paycheck and they simply do not have free money. More than half of our fellow citizens (52%) are unable to save, and 8% do not do it, although they have the opportunity. It should be noted that among women, 37% make savings, while among men - only 30%.

Only a third of Russians think about their financial future. Every fifth respondent saves 10% of their income every month, every tenth - from 10 to 20% of earnings. And only one in twentieth has the opportunity to save more than 20% of their income.

For those who accumulate the most important factor when choosing an instrument, the return on investment is. More than half of Russians (58%) consider that it should be higher than inflation. The second important point, as the safety and guarantee of investments in the future, is estimated by 43%. For 31% of Russians, the factor of being able to withdraw money when needed was also important.

Russians living in cities agree to take more risks and value profitability (59%) more than safety (41%). In the villages, on the contrary, the safety of investments (63%) is more appreciated than profitability (46%).

– the most popular investment tool, but not everyone is able to save our money. The problem is that inflation can simply eat up all the accumulated interest.

The Ministry of Economic Development forecasts inflation at 5-7%. However, many experts believe that inflation can reach 15%... Therefore, to really be profitable, you need to make the right choice.

How to choose the right deposit?

The interest on ruble deposits offered by banks averages 10-13%. Of course, this storage method is better than keeping your savings under the mattress. In this case, if inflation is lower than predicted, you will save your savings.

For dollar deposits, banks offer, on average, 2% per annum. Although the percentage is small, it will help you protect your money from inflation. The only risk is the strengthening of the ruble, which today, according to experts, is unlikely.

Some experts recommend having several deposits in different currencies. If one of them falls, you can win on the other. This strategy is one of the most reliable and will help, if not make money, then at least not lose your savings.

Also, when choosing a deposit, you should carefully study the terms of the contract. Remember that many long-term deposits profitable only if you do not use the money ahead of time... Therefore, it is better not to give all savings to a long-term deposit.

What should be considered when choosing a bank?

Increasingly, we hear the news that the next bank rating. It also adds to the reliability of the fact that financial enterprise has government support.

For many Russians, buying a home is the biggest investment in their lives. Therefore, you should carefully understand all the nuances before investing all your savings in housing or taking out a mortgage.

Together with oil and the ruble, real estate is also falling in price. One side, now you can buy an apartment much cheaper than a few years ago. This means that as soon as the country starts to get out of the crisis, prices will creep up.

On the other hand, things are not as simple as they seem. The problem is that it is very difficult to predict how long the crisis will continue and how much housing prices will fall. Investment professionals advise buying real estate when the crisis reaches a critical moment. But to guess when that very moment will come, you need to be a specialist.

If you do decide to buy a living space, you should pay attention to a few nuances:

• It is better to buy housing in medium-sized cities. It is they who, according to experts' forecasts, will begin to develop after the crisis. This, in turn, will lead to higher property prices.
• Keep in mind that one or two bedroom apartments are much easier to sell or rent.
• Give preference to new buildings. In the early stages of construction, housing usually costs less.

On this moment real estate professionals advise not to rush to invest in real estate, as the purchasing power of Russians has fallen. A purchase can only be justified if you want to improve your living conditions.

Should you consider investing in an MFI?

Not so long ago, another way of investing money appeared on the Russian market - (deposits in MFOs). Is it worth trusting capital to this type of investment and how does it differ from conservative investments and high-risk gambling on the stock exchange? Let's take a look at all the pros and cons.

In the current unstable economic situation, the value of money is constantly decreasing, which makes it absolutely unprofitable to keep it at home. Thus, the question arises - how to keep the accumulated funds and where to invest.

In 2010 was adopted the federal law No. 151, which establishes a minimum threshold of 1.5 million rubles for one loan agreement between an MFO and an investor. This kind of investment is available for both individual entrepreneurs and for legal entities... In addition, depending on the placement period, it is possible to receive from 10 to 15% per annum.

So the pros of this enterprise:

– low level risks

- fixed income

- transparency

– high interest rates

In order to become an investor in an MFI, you need to contact the microfinance organization directly. And do not forget that investments in MFOs are on average 2 times more profitable than bank deposits. The downside is that the latter are insured by the state, so you need to be aware of the risks.

Is it profitable to invest in gold?

Gold has always been considered one of the safest ways to invest.

This way of investing money has several advantages:

• Lower price threshold. World producers regulate the price, and the value of gold can only fall to a certain level. Then the price starts to rise again;
• Gold has high liquidity, which means that it can always be easily sold.

There are different ways to invest in gold:

• Purchase ingots;
• Buy investment coins;
• Open an impersonal metal account with a bank.

The simplest and most common way is an impersonal metal account. In this case, upon the expiration of a predetermined period, the bank pays the amount at the current rate.

Is education the best investment?

Investing your savings in education is one of the most correct decisions. After all, it is our knowledge and skills that help us earn more. The world is changing very quickly. More and more appearing new information... And to keep up with all the changes, you need to constantly learn. The dollar may fall in value, inflation will eat up all your savings, and knowledge will always stay with you.

We have told you about the most common and simple ways investing that will help keep your savings. There are of course many other investment opportunities. You can buy antiques or art, gamble, invest in startups, or start your own business. The choice is yours. The main thing is to remember that investing requires a responsible attitude and a thoughtful approach!

Hey! Today I would like to give some recommendations on how where to invest in 2016. When I started looking for what they write about this on the Internet, I noticed that many simply list popular investment methods without bothering with a question, how relevant it will be in 2016. That is, instead of answering the question "Where to invest in 2016?" , I found mostly answers to the question , and 2016 was mentioned only in the title. There was an impression that some comrades from year to year publish the same universal recommendations, only changing the year in the title. As said Carlson, — "Well, I don't play like that!"

However, I also came across specific ideas, and, in my opinion, the most sensible of them, I decided to summarize in this article.

So, what kind economic prerequisites brings us 2016? It can be assumed that 2016 will not be much different from 2015. It is likely that in the first half of the year, the ruble will strengthen slightly because our National currency over the past years it has tended to strengthen in the first half of the year. Usually the best period for the ruble is from February to June... But at the same time, do not forget that the ruble is still depreciating much faster than the same dollars or Euro... So the following strategy might make sense - sale of currency in early February, followed by its purchase at the end of May.

Generally, try diversify your savings by currencies. For example, 80% keep savings in foreign currency (in dollars, euros, francs, pounds, yuan, yen, etc.), a 20% - in rubles. During the period from February to June I recommend increasing the percentage of ruble assets (how much - see the situation).

Let's now consider various investment instruments and their relevance in 2016. Let's start with the most attractive options.

Best investment options in 2016

Investments in the Chinese economy

Recently, November 30, 2015, IMF Executive Board decided to include RMB to the basket of world reserve currencies. And with October 1, 2016 CNY will officially become a reserve currency. About this, by the way, while few people know- this event is not widely discussed in the world. Although this event is of great importance, especially for investors.

And what does this all mean? This means that yuan and at Chinese securities now available huge potential for growth. And now there is a chance to jump into this investment rocket of the Chinese economy one of the first and enjoy the flight to the fullest!

So I recommend paying attention to the yuan and Chinese securities. For example, offers to buy China Stock ETF (ticker - FXCN)... You can also consider investing in appropriate Mutual funds (although ETFs will still be more profitable).

Gold

Not a bad option for long-term investment can be . Although many predict a fall in the gold rate next year to $ 750-950 per ounce, nevertheless, it must be admitted that gold is now clearly undervalued. This means that a global trend reversal is about to occur. This is also supported by the regularity that when all analysts agree and speak with confidence about the continuation of the trend, the trend reverses. This does not mean that the trend will unfold in 2016. But gold is a long-term asset you can wait.

The fact that the world is now on the doorstep also speaks in favor of gold. third world war (you can even assume that it is already underway). And in the conditions when instability and crisis reigns around, capital begins to flow into "Safe harbor" which is gold.

Therefore, the recommendation is as follows - keep up 20% capital in gold and buy in addition if it becomes cheaper. Have gold now very good growth potential and when the trend reverses, this potential is fully realized. Again, considering the possible strengthening ruble in the first half of the year, from the beginning of the year, it is better to focus on ruble-denominated assets, gradually reducing their share until summer, while increasing the share of gold.

Eligible Investment Options in 2016

Russian securities

I believe that investing in Russian and can bring a good profit in 2016, since over the past years their value has not increased significantly and, accordingly, good potential for growth has accumulated. Moreover, since 2015 in Russia and there was an opportunity to invest through - and this extra bonus... Depending on your propensity to take risks, you should focus on either (low risk and low return), on either (high risk and high return).

By the way, in 2016 Central Bank plans to release Federal Loan Bonds nominated for yuan... Buying these bonds is another good way to invest in Chinese economy, and at the same time in economy of Russia. And at the same time, you can get bonuses relying on.

By the way, invest in gold ETF or in China Stock ETF also possible through. Brokerage company at the same time additionally charges 5.5% (at the time of this writing) in rubles on the account balance.

Bank deposits

The easiest and one of the most reliable investment options in 2016. True, it is not a fact that the profitability of investing money in a bank will cover inflation.

Make bank deposits better at the beginning of the year and for a long time, because Central Bank took a course towards lowering the rate, which means that the rates on deposits will go down. The next rate cut may occur already January 29, 2016.

On the other hand, I very much doubt that the rate will be significantly reduced during 2016. Most likely, the decline will be insignificant.

Doubtful options to which, nevertheless, you can pay attention

PAMM accounts

There was a lot of talk about the fact that with January 1, 2016 Forex v Of Russia will finally bend. In the form in which we are used to seeing it, it is quite possible. After all, since January 1st comes into full force forex law , and the activities of any brokers not licensed Central Bank, will be banned. At the moment, only Finam Forex LLC. Also, 3 more brokers who have submitted applications are under consideration. (, Forex Club and Tele Trade together with Profit Group)... Brokers asked for a delay in the entry into force of the law for another year, and Central Bank was not even against it, but the legislators decided not to give delays. It turned out that market participants themselves initiated the creation of the law, but their expectations did not coincide with how they see market regulation Forex legislators.

In general, after the scam Forex Trend and Pantheon Finance v late 2014 - early 2015, the people began to lose interest in PAMM accounts, as it turned out that they could not provide the profitability they drew FT and PF... And then there is new law- it is not clear how he will act in practice and what he generally brings to us.

All in all, continuous misunderstandings. So I would recommend postpone investments in PAMM-accounts until the moment when the law is established. Perhaps this tool will disappear altogether, or they will restrict access to the mass investor, or something else will happen. Wait and see. But even if everything remains as it is now - I would not recommend investing in PAMM accounts for more than 15% portfolio. Everything is so risky enough investment instrument.

HYIPs

This is a rather dubious and high-risk tool, however, it can bring good profits with the right approach and a certain amount of luck.

If you are one of those investors who like to take risks - welcome to! Remember that in such projects, those who entered the project on early stages and those who actively invite new members. Therefore, if you invest in such projects, you need to look for new and promising ones, and after joining the project, actively agitate the people. But remember that bills against pyramid schemes are already being passed, which means that such an activity (including campaigning) will soon be outlawed and some problems may arise. So decide for yourself.

Bad investment options in 2016

Real estate

Property prices continue to decline. Some analysts predict this decline may continue up to 2020. Population incomes are falling and, accordingly, the demand for housing is falling. So buying real estate is not the best investment now.

Conclusion

Summarize. In 2016 I recommend paying attention primarily to the following investment areas: China , gold , and, to a lesser extent, Russian securities ... It is advisable to purchase all this through in order to receive an additional bonus. Don't forget about bank deposits ... This is a simple and reliable way, if not to increase, then at least to save your savings from inflation. But to such investment instruments as HYIPs and PAMM accounts I recommend you to be careful, and if you invest there, then only a small part of the portfolio that you are ready to risk without fear of losing this money. Well, the purchase real estate v investment purposes it's better to postpone for now (presumably 3-5 years).

Successful investment in the coming year!

If we would return to the summer of 2014, when the dollar in Russia was worth less than 35 rubles, take a loan from a bank, even at the highest interest rate, and buy currencies with all the money, then selling it now would have made a fortune. Surely, one of the financial experts then advised to do so, and the one who obeyed - today in chocolate.

What do financial experts advise today? What can you invest your money in to make money? A question Russian financiers asked by RBC correspondents. What advice did the experts give?

Where to invest in order to earn, not lose

Deposits in rubles and foreign currency. The traditional way of making a profitable investment in Russia is bank deposits. In 2015, the most the best investment have become deposits in dollars. Despite the drop in rates, their profitability for the year amounted to almost 30%. Ruble bank deposits in 2015 were among the less successful investments. They would bring the investor 13.33%.

This year we should expect a further decrease in deposit rates, says Natalya Rosenberg, head of the department for the development of non-credit products and remote services at MKB. The best strategy will open two deposits: one in rubles, the other in foreign currency, advises Mikhail Matovnikov, chief analyst at Sberbank.

It is predicted that a ruble deposit in the bank in 2016 will allow earning a yield of about 10% - average maximum rate on deposits for a year in the first 15 banks in terms of the volume of deposits of individuals.

Annual interest rates on dollar deposits in banks are about 2% per annum, but what is important here is not the amount of income, but the ability to protect savings from the devaluation of the ruble. It makes sense to place currencies on short-term deposits - this way you can quickly react to exchange rate changes, says Natalia Rosenberg from MKB.

Cash currency. Many people think that in 2016 it is especially profitable to invest in foreign currency. However, statistics show that cash in euros and dollars at the end of 2015 showed not the highest profitability. Having bought dollars for 100 thousand rubles at the beginning of 2015, it was possible to get a yield of 16 thousand rubles in 12 months, and in the case of the euro - 7.5 thousand rubles.

As Sergei Romanchuk, head of operations in the money and foreign exchange market of Metallinvest Bank, notes, such investments are an attempt not to make money, but to save money - one of the most conservative, but the least risky investments. There is only one risk here - a sharp strengthening of the ruble, which is unlikely.

Real estate. Another traditional way for Russia to invest money in order to save it from inflation and earn money is to buy real estate. But in 2015, this investment instrument showed the lowest return. Having invested in real estate, one could earn only 5.5% - that much would have added to the cost of a Moscow apartment at the price of 10 million per year. That is, if 100 thousand rubles could be invested in real estate, the investor's income would be only 5,500 rubles.

Now the main argument in favor of buying real estate is the ability to save money, and in 2016 there is no need to expect changes for the better, experts say. Russian market real estate is still an unattractive investment asset - especially if it is planned to generate income in the coming years.

Hello, dear readers of the SlonoDrom.ru magazine! Almost every one of us sometime thinks about where to invest money so that it works and brings a monthly income.

There are actually a huge number of investment options! Not all of them are effective, and what to hide often there are simply fraudulent organizations whose sole purpose is to get money and hide with them forever. I know about it firsthand! 😀

In this same 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 of all to invest our money.

You will also learn about where not to invest your money, so as not to lose it!

And most importantly, I will share with you my life experience , specific examples and useful tips that 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 most useful for you!

Plus you will learn:

• What are the investment options, what is their profitability and which one to choose?
• Where can you profitably invest your 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 we'll get started! The article turned out to be a bit 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 own free cash ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.

Nobody gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).

This must always be remembered, because investments can bring both profit and loss!

Secondly, before investing your money somewhere, you need to actually assess what kind of risks and what profitability can be obtained from one or another attachment.

Usually the risk is proportional to the income, i.e. the higher the yield, the higher the risks and vice versa. But this rule does not always work.

But in any case, he who does not take risks does not earn. It is always necessary to take a meaningful risk! 😉

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 like this:

1. conservative portfolio (bonds, real estate, precious metals ...) - 50% of all funds;
2. moderate portfolio (Mutual funds, stocks, business projects ...) - 30% of all funds;
3. aggressive portfolio (currency market, cryptocurrencies ...) - 20% of all funds.

❗️Important:
You do not need to invest all your money only in instruments with very high profitability, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to get the maximum income, but at the same time completely forget about the risk. And as a result, due to greed, they are left with nothing.

Investing is primarily about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read the this article to the end, since at the end of the article you will learn about other important investment rules! 👇

2. Where better to invest in 2019 - TOP 15 profitable investment options

So, let's finally consider the options and decide where you can profitably invest your money so that they bring income!

Option # 1: Bank deposits / savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 6% to 8%.

V last years deposit rates are falling steadily and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

For 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts" (IIS) 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 taxes on income! Such preferential terms were developed by the state to support and develop investment in the country.

But naturally there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis! The rest of the time, stocks are generally growing steadily and are showing good returns.

Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show 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 personally engage in investing, then there is an option to entrust your money to a professional manager. But I will describe this in detail below.

OUTPUT: With proper management, shares can bring good returns, several times higher than the interest rate on bank deposits. But at the same time, they belong to more risky assets.

Profitability:	Risk:	Payback:	Minimum investment:
15-100% per annum (change in share price + dividends)	depends on the strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium / high)	(⭐️⭐️ - medium / high)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal / moderate risks, you can get a relatively high return.	(+ ) High liquidity - at any time, shares can be quickly sold and money can be got in your hands. Low entry threshold.	(- ) Knowledge is required. Uncontrollable risk and "flirting" with the market can lead to significant losses.	(- ) In the event of a crisis, shares can seriously and in a short time fall in price.

Option # 4: Bonds

DESCRIPTION: Where do you think the money is being invested large banks? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

As well as bank deposits, bonds are considered one of the simplest investment vehicles. But unlike bank deposits, the rate on bonds is significantly higher.

For those who do not know, a bond, if in a simple way, is IOU... Only as borrowers can they act as large companies and the state.

? By the way, Sberbank and VTB24 recently started selling national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyNS .

I agree, not very much, but the rate is certainly better than most of the bank deposits currently available. Moreover, in the future, interest rates on deposits may decrease.

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, for Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the term).

At the same time, 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.

Also note that there are bonds, the yield on which can be dozens and hundreds of percent ... But such bonds are low credit rating(for this they are called "junk bonds"). Although they are capable of bringing enough high income, they are a very risky investment.

Bonds, like shares, can be bought through an individual investment account (IIA) without the need to pay income tax (if you buy them for a period of more than 3 years).

OUTPUT: Bonds are suitable for those seeking to obtain average yield 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 old	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 credibility it has.

Option # 5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy / sell a particular 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 bought 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 for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, was 30,000 rubles(of which the broker's commission is about 600-800 rubles).

You can trade on Forex either yourself or give money to the management of professional traders (this will be described in detail in the next section of the article).

When trading currency on your own, it is very important to have trading experience from knowledge of the foreign exchange market ... Climbing into the foreign exchange market just like that, in the hope of easy money is not worth it (and when I did exactly that), as this usually leads to serious losses.

It is important to note that in personal trading, you need to follow the proven trading strategy, otherwise the trade is likely to turn into a casino and lead to a sad outcome known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade solely by strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start at Forex with minimum amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% in a month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies for day bars is Price Action. Many articles have been written about her on the Internet - read it to anyone interested!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

OUTPUT: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can get high returns. 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 old	from 100 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) With an effective strategy, you can get high returns.	(+ ) Low entry threshold and availability.	(- ) High risks, especially for beginners. It is possible to lose significant money in a short time if the risk is not managed. 99% of newbies 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 # 6: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who have no experience and even 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 are professionally engaged in trading in the financial markets.

All you need to do is to distribute the initial investment amount into parts (preferably at least 5-10) and invest in various managers.

For example, this allows the broker Alpari, which I already mentioned above. The entrance 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!
You can get quite acceptable income here - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also great!

PAMM accounts and PAMM portfolios for investments must be evaluated 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)

💡 More than $ 500,000 has been invested in this (trader's) PAMM account, its profitability for 3 years and 8 months was 2051%.

However, it should be borne in mind that despite the fact that in the past the accounts / portfolios have shown good returns, in the future it is likely that they will turn out to be unprofitable.

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 causing losses for a long period. This is the whole secret of investment!

Read more about how to invest in PAMM accounts correctly (watch the tutorial videos) on tradelikeapro.ru. I use it myself, there is really a lot of useful information!

With a larger initial capital, you can work with large exchange brokers (for example, Finam and BCS), which also provide various trust management strategies.

For example, on Finam in trust management you can give from 300 thousand rubles... Their website contains dozens of diverse strategies: conservative, moderate and aggressive.

Of course, both brokers and managers cannot 100% guarantee that you will receive income.

Immediately I want 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 (the 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 specialists expect to rise or fall in the future.

Investing in such products is usually possible from 3000 dollars and for a period from 3 months.

Here is an example of structured products at Alpari:

OUTPUT: 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 old	from 500 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By distributing funds among 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. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability as there may be unprofitable periods. The managers need to be monitored periodically.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires a personal presence. But on the other hand, a business can be automated, or you can simply invest money in someone else's business at the stage of development.

Alternatively, you can 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 a profitable business with practically no investment or with minimal investment, so money is not the most important thing here, the main thing is desire and aspiration! 😀

Me myself with full zero started a successful business several times! By the way, if we turn to statistics, then among millionaires about 70-80% 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 won't have to work a single day in your life!«

And how to find your favorite job / life's work - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even a small one at first. The main thing in this business is not to be afraid. take the first step!

Think you have always wanted to open your own body shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. 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.
2. Choose niches with minimal competition - they are easier to start there.
3. If you have little start-up capital, it might be worth trying a service business.

I will also give you several options from my experience of how you can start a business with minimal investment, I think it will be interesting for you! 👇

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). I just started with this! 🙂

By the way, goods from China are now very popular, where the mark-up can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page).

Another area where large investments are not required and it is not so difficult to start is the wholesale business via the Internet.

Moreover, both in the case of wholesale and retail sales, the goods do not need 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 ships the product directly to the customer. He sells his goods and from this he has income, and you get your markup on the sale.

Read more about how to organize - read in a separate article!

OUTPUT: The business is able to bring very high profitability with minimal investment. In addition, a business can be turned into a favorite thing, which is interesting and you want to do it!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	Initially 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 business to find partners and / or co-investors. You can start without big investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses are closed within 2-3 years. Low liquidity - it is difficult to sell a business quickly.	(- ) You need to understand the business and understand how it works, even if you are investing in "someone else's" business. You constantly need to learn.

Option number 8: Mutual investment funds

DESCRIPTION: Mutual funds can also be attributed to trust management, which we have already talked about a little.

Mutual funds are professionally engaged in investment activities investing and managing the money of their depositors (invest in certain stocks, bonds ...).

Absolutely any person can become a depositor, for this you need to purchase a share (share) in a share investment fund... Depending on whether the mutual fund successfully manages investments, the shareholders receive a 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 give low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds over 11 months:

Profitability of mutual funds for 11 months

However, mutual funds do not give guaranteed profits, 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 unit investment 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 real people on the Internet, and also read what they write about them on the forums. With such a simple action, you will protect yourself from unreliable and fraudulent organizations.

OUTPUT: Mutual funds can be considered as an alternative to brokers who also invest mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Profitability:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Average profitability exceeds interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) 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% income tax - many other investments have preferential tax conditions.

Option number 9: Microfinance organizations (MFOs)

DESCRIPTION: Another type of investment is investing in an MFI. The return on such investments on average ranges from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum term in an MFI 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 in bonds or in a bank at interest.

If you nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.

⭐️ Good advice!
Look primarily at the “age” of the MFI, not the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower interest rate than in a newly emerging MFI with a high interest rate.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals(for example, RBC) about a particular MFI.

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 safer to invest in real estate than in an MFO! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and I do not advise others! 😉

OUTPUT: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But at the same time, there are corresponding risks. And the entrance threshold is rather big, to put it mildly.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium / low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Income passivity. 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 case of bankruptcy, no one will return the money. Fraud is present.

Option number 10: Precious metals

DESCRIPTION: Another well-known type of investment is investments in precious metals, in particular in gold. Moreover, such investments are highly reliable!

It is especially important to invest in gold and other precious metals during a crisis, since this is where money from the stock market migrates.

Gold coins / gold bars can be purchased both in almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).

Despite its high reliability, investing in gold is more suitable for preserving available funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold Prices - Chart

❗️ Over the past 5 years, gold in rubles has grown from 1600 rubles per gram to 2400 rubles / gram.

The total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and then such a yield was obtained thanks to serious devaluation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold after 2012 has dropped significantly in price and is currently in a sideways trend.

OUTPUT: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to preserve them.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (during a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High investment reliability. There are practically no risks of gold depreciation. Easy to buy / sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investing in them is suitable for saving funds in times of crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 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 number 11: Cryptocurrencies (bitcoin)

DESCRIPTION: Over the past, Bitcoin has grown more than times and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago, when Bitcoin was worth about 150-200 dollars.

Some experts say that in the future, Bitcoin may cost hundreds of thousands of dollars and even possibly reach $ 1 million.

Others argue that Bitcoin will crash. 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 grow in value.

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 tool.

For example, Bitcoin in just a day can rise or fall by 10-25% - this is quite common here. And in a year you can increase your investments 3-10 times, or lose almost everything!

OUTPUT: On the one hand, cryptocurrencies are too risky a tool, and on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, 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 high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In case of growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) 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. Complete lack of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to make money in 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 start with minimum investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to get high profitability through advertising. Usually, the site starts to bring the first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn about 200-3000 rubles in a day. The spread is very large, since it depends on the topic of the site how much income you receive.

Earning money on sites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning, you will need to grasp the essence and understand the key details of such a business.

2. Social publics. Surely almost all of us are subscribed to some community in social networks(VKontakte, Facebook, classmates ...).

In the meantime, the owners of such public pages also earn mainly from the publication of advertising posts. In pubs with millions of subscribers, the cost of one ad post can be worth 2-7 thousand rubles .

Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right topic for a public, post high-quality and interesting content and develop a public, then 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 who follows your affiliate link 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, here the main investments go precisely to advertising.

But in this case, experience plays the main role, without it anywhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers ...

For example, projects that deal with exchange are very popular. electronic money(in fact they are called exchangers).

For example, if you need to transfer money from Yandex wallet to Qiwi wallet, then the easiest way to do this is using exchangers. By the way, with the help of exchangers, you can also purchase bitcoins.

Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a pretty decent income is obtained.

5. Apps for iOS / Android. Since relatively recently, Android and iOS applications have become very popular - this is a large segment of the market where a lot of money is spinning.

Therefore, if you have an interesting idea that will be in great demand, then it might be worth trying to create your own application.

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent partner commissions from airlines.

Even if you know nothing about how to create applications, they can be done for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays a key role - the success or failure of the application depends on it.

6. HYIPs. HYIPs - in reality, are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high percentages ( 1-5% daily) 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 for several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of depositors mainly earn money - who managed to withdraw money with a profit until the HYIP turned into a "scam" (stopped paying money).

And yet, I strongly advise you not to invest in HYIPs, especially if you do not particularly understand this.

OUTPUT: Online projects are 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 investment.

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 completely from scratch, investing only your own time and effort.	(- ) There is a risk that the project will not work and will not pay for itself.	(- ) Knowledge is required. You yourself need to be well versed in the key nuances of an Internet 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 stage of development (startup) or even at the stage of idea.

A distinctive feature of venture capital investments is a very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot out and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

☝️ A real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.

In 2 years, Apple shares have risen by about 5000 times! So if you were investing in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .

There are basically several ways to invest in start-up projects:

• crowdinvesting and crowdlanding platforms (suitable for beginners);
• venture funds;
• investor clubs.

OUTPUT: But still venture investments poorly developed in Russia. Yes, and often require a large start-up capital, and scammers are often found among crowdinvesting platforms (where the entry threshold is not high). 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 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widespread - investment sites may turn out to be financial pyramids.

Option number 14: Objects of art

DESCRIPTION: Another unusual way to invest your money is to invest in art. This is a fairly narrow and specialized market, but it can still generate good returns.

It's no secret that certain works of art can cost hundreds or even millions of dollars. And if you really understand art, then on investments you can earn hundreds of percent of the profit.

❗️ The only important feature is that such investments often require large investments ... And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investments in precious metals, investments in art objects are not subject to inflation and will only cost even more over time.

And the crisis has practically no effect on the value of art objects.

OUTPUT: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and above	minimum	usually 1 to 3-5 years old	from 100,000 rubles and more
(⭐️⭐️ - medium / high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) You can get relatively high returns with minimal risks.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investment in art requires a large initial capital and involves a long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option number 15: Knowledge and own development

DESCRIPTION: As incredible as it may seem, but always the most profitable investment- it is always an investment in oneself (in the development of specific skills, abilities, gaining knowledge, experience ...).

You need to understand that first of all it is knowledge / experience, and not money allows you to earn and increase your own.

I think more than once you have heard stories that 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 investments are required at all - the main thing is that there is a desire, and everything else will follow! 🙂

If you have free funds, then it all the more makes sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences between investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the United States: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after a couple of months he managed to earn tens of thousands of dollars from scratch.

OUTPUT: Therefore, if you do not yet know where to invest your money, then the most a win-win Is to put them into yourself (at least some of them). And do not 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 them into money.	(- ) For many, it is difficult at the first stage 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 correct 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, as I mentioned 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 instrument, divide the amount equally into several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second- try to invest most of the funds (40-60%) in assets with the lowest risk, the best choice between profitability and risk, as for me, is real estate.

And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then you should not meddle yourself and invest all your money in high-risk instruments: Forex, stocks, bitcoins ... hoping that you will quickly multiply them is by no means worth it.

Believe me, this is a tried and tested path, on which hundreds of millions of rubles have been lost!

It will allow you to get through bad 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 particular organization, read reviews and comments about it on the forums. Make sure it is 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 make money - specific examples

In this section of the article, I will tell you where, according to my experience, I would have invested money, having available this or that amount of investment!

I will not consider very risky investment options in these examples. 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 in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

Alternatively, if you do not want to invest in a business, you can consider bonds. As a last resort, you can open Bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in structured products 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?

It is also a relatively small amount in terms of investment. 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 during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try to invest in almost any of the instruments described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of the foundation pit.

Or as an option:

• You can invest part of the money (100-250 thousand rubles) in the shares of promising companies, give them to trust, PAMM-accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable 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 becomes more expensive in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where is it better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to get caught by scammers.

The world is full of people who invent various schemes to take money through fraud. Especially nowadays, fraud is thriving 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 a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. Organizers similar projects offer huge interest rates, quick payouts, very profitable terms etc. - all if only people invested 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 the greed of other people!

Money does not come out of nowhere, if someone receives money, then surely someone will part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, any plausible story can be created, as if the project really functions (provides any services), but in fact the organizers of this project only earn from the investments of gullible people.

Sometimes the "history" of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier), in fact, are also built on the basis of financial pyramid and they can also be attributed to fraudulent scheme(although it is also realistic to make money on them, experience is required). Also, here you can add various casinos and other methods that promise "easy" money.

Another controversial investment tool is sports betting... It is realistic to make money on them in the long term, but only the organizers of the bets and 5-10% of the participants (those who are in the subject) do it, and the rest only constantly lose money.

I will also highlight another type of common fraud on the Internet - this is the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw your money away (tested on your own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are well versed in what you do not know will profit from you! This is my sad experience.😞

If you are not yet particularly versed in this or that investment object, then invest time and money (they are 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 profitable ways of 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 for some of you turned out to be at least a little valuable and you have already decided on where to invest your money! 😀

I emphasize once again that, in my experience, the most profitable investment Are attachments your own business / business and knowledge !

❓❓❓
Where do you think it is better 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 a successful and profitable investment! 👍💵👍

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!