What is profitable to invest in. Where it is more profitable to invest: expert advice. Where to invest to get monthly income. Investing money in various publics on social networks

The first most popular and most commonplace way of investing money is in banks. I do not consider it at all as a type of investment due to its very low income. For me, a bank is just a vault for money, which is slightly better than keeping money “under the pillow” at home - the bank is more reliable and brings at least a few kopecks.

In the bank, I keep money only as a financial pillow with the amount of funds for life for no more than the next 6 months. For all other funds, the bank is used as a transshipment point, after which the money goes to other financial instruments.

Nevertheless, if you decide to use a bank as an investment tool, then you must remember that it is better to distribute funds among banks in such a way that each bank contains an amount of no more than 1,400,000 rubles, because insurance applies only to this amount of funds. Naturally, you need to choose a bank according to its reliability and popularity - you can see this in all sorts of ratings and work with the top ten banks. If you really want reliability, then it is better to choose banks where the state is a partial owner - it is unlikely that the state will stop the activities of its bank. These are such banks as Sberbank, Rosselkhozbank, VTB, etc.

I use 4 banks: Moskovsky Credit Bank, Tinkoff Credit systems, Sberbank, VTB.

2. Investing money in real estate

A popular type of investment. Usually, if you ask a person "what to invest in", then the majority of real estate will come to mind.
Many people first of all remember about real estate because of the banal point of view that if there is free money, then fearing to lose it, it is better to invest it in real estate, and there it will definitely be saved. Many people simply do not consider real estate as an investment tool specifically for creating money, but approach it from the position of saving money. But if real estate is considered exactly as an investment instrument, then it is far from so simple, it requires knowledge, experience, freezes money for a long time and profitability is not always stable and high, and also requires a large initial capital. If you invest borrowed money, then you generally need a lot of experience, which is clearly not suitable for everyone.

If real estate is viewed as an investment tool, then I would recommend considering buildings at the stage of "excavation", because they can give maximum profit... Especially if it is investment in luxury housing. At the “foundation pit” stage, it can cost 10-15-20 million (in Moscow), and after construction, all 30-40-50 million - there are such examples.

If you plan to receive income from renting in the future, then it is better to buy many one-room apartments (next to the metro - this increases the rental price).

Be sure to study the infrastructure of the area and its future for the next 3-5 years. It is the infrastructure that strongly influences the possible profit in this type of money investment. ...

3. Investing money in MFIs (microfinance organizations)

An excellent way of investing for those who want to receive reliable passive income, but are dissatisfied with a very small interest in banks.

Advantages and disadvantages:
+ high annual percentage: 12-30%
- a fairly high entry threshold for individuals (this threshold is regulated by the state), i.e. with small amounts you simply do not have the opportunity to try this method;
- you need to carefully choose an organization, because No state insurance deposits; but here the principle applies: the larger and older the organization, the more reliable, but we must also remember that a reliable organization will not give you a very high annual percentage.

4. Investing money in mutual funds

You invest in a fund where it is professionally managed by a company. In my opinion, the tool is very average yield but basically stable. The main thing is that on the market valuable papers(if you chose a mutual fund with securities, which are the most popular) there was no major hesitation. If you look at the statistics, after the 2008 crisis, mutual funds returned the lost money to investors somewhere only by 2011-12, i.e. if you invested money before the crisis, then you returned the invested amount without losses (and, of course, without income) only after 3-4 years.

From my experience, I invested in a mutual fund Telecommunications from TroikaDialog and in a year and a half it gave + 44%. Then the fund was transferred to Sberbank Asset Management, then I withdrew the money from the fund.

In great detail about mutual funds in my articles:

5. Binary options

Binary options are options that either provide a fixed amount of income or not, depending on the fulfillment of an agreed condition at a certain time. I recommend Binarium here. They had an excellent service and a clear interface for me, but I'll make a reservation that I'm not a professional on the topic of trading. With the help of this service, you can really make quick money, but you can also lose it :-) For professionals in the field of exchange rates, there is an opportunity to earn money, and for non-professionals, it is possible to quickly “play” and also make money.

Screenshot to get started:

Screenshot after an hour of work (look at the balance):

6. Investing money in business

Of course, I understand that business is not just an investment in the form of “invested, forgot and get a profit”. This is possible, but this applies more to foreign countries. If you take Russia, then, in my experience, you cannot completely rely on people and, nevertheless, you yourself have to take part in the main decisions for the effective development of business.

Of all the tools, the business is the most profitable. The main risks are at the very beginning. Then, if the business grows, then the income increases, and the riskiness of this instrument decreases. Plus it is a very exciting and interesting tool - hundreds of thousands of books about business have been written for a reason.

If you have nothing to start your investment with, then the business should become your first tool and generator of income, which can then be distributed to other financial instruments.

1) the main thing - do not be afraid to start;
2) choose an existing market for work, the likelihood of creating new market very small;
3) choose a working business model that you have seen somewhere - coming up with a new one is extremely risky. To implement ready-made business model, only slightly better than others - much easier than "building a new bike";
4) choose non-mass markets with high competition - you need to start with something small, otherwise, as you listen to someone, you often hear that if someone wants an online store, then immediately equipment, phones, etc. , and people do not understand that the margin is there, God forbid, 10% and in order to make money, you need to have very good turnovers;
5) if there is no money at all - start with a service business, and not with a goods business - at the initial stage it is less expensive and less risky, but then it will be more difficult to scale and improve the quality of the services provided, especially if the service is complex, multi-stage, etc.

In short, business must be a must :) This is the main financial instrument.

As John Rockefeller said: “If you have little money, you have to do business. If there is no money at all, you need to do business urgently! Right now!"

7. Investing money in securities

The use of this tool requires a certain level of professionalism and skills. Of course, there are many examples when the shares of some companies in a short period of time (for example, 5 years) rose in price by 5-10-50 times and more - and it seems that this investment instrument is very promising. This, of course, is true, but we must remember that this needs to be well understood and such examples of growth are rare, and no one advertises hundreds of other companies that went bankrupt. In my opinion, it is more profitable to trust a professional manager with a good track record of profitability.

I myself use a brokerage account Tinkoff Bank... Sometimes I buy stocks. I invest very conservatively.

Over the last year as of June 20, 2018, the income was 13.98%. This is almost 2.5 times more than the income of a bank deposit in state banks.

8. Investing in precious metals

Investing money in precious metals - such as gold (), silver, platinum, palladium.

You can go in several ways:

1) Purchase of bars from banks. Remember that if you sell them, you will have to pay 13% tax.
2) Purchase of precious coins. The main supplier of this kind of coins is Sberbank.
3) Purchase of securities, which are backed by gold, through stock exchanges.
4) Opening an impersonal metal account. This is an account in which metals are used as currency. At the same time, in reality you do not have any metals on your hands. Everything is conditional. Profit is possible in the event of a rise in metal prices.

I myself was involved in a typical hype - MMM, when there was a resuscitation of this system after the 90s. I made up my mind at the end, but nevertheless remained in the black: + 150,000 rubles is what I brought out as profit, and another 40,000 should have been, but not paid. In short, it remained in the black, but such an extremely risky type of earnings is not for me. They can play with small amounts, such as $ 200 invested and they were lucky - they got $ 400, or they didn't get anything :) It seems to me that playing in a casino is more interesting and faster :)

12. Investing money in cryptocurrencies

Who has not heard about cryptocurrencies now? Even the lazy one heard. The topic is, of course, interesting, but very volatile and highly susceptible to panic.

I have my own crypto portfolio. I entered the market after bitcoin began to cost $ 4-5 thousand. It was sometime in September 2017. Then I invested in various altcoins, tried to study information, made conclusions, read analytics, listened to YouTube "experts" :-) There were ups and downs. Reallocated portfolio. I bought information in all sorts of closed services about what will grow and what will not, etc. I invested in one ICO.

In short, there were a million actions and nerves, and the result is this:

At the time of entry, I bought almost 2 bitcoins. Now I have about one bitcoin :-) The money is about the same or even losses from the moment of entry. At the peak, I had about $ 33 thousand, which I did not transfer into money, then I bought it unsuccessfully a couple of times, etc. Now there are about 7 thousand $ left :-)

In general, my topic did not go well, or I did everything at the wrong time. But there is a portfolio, maybe in a few years it will shoot :-) or I will lose it ... :-)

13. Investing in sites of different types of focus

Investing in websites is also one of my favorite topics because:

1) does not require large investments;
2) high speed return on investment;
3) high profit;
4) the ability to do everything "by someone else's hands" without serious risks of "handshake" on the part of the performers, and therefore good opportunity scaling the process.

But the downside is that you have to understand this and be "in the subject." It is impossible to just take and make money on the site without understanding the principles and methods of monetization. Or you can, but ridiculous $ 20-50 per month.

14. Investing money in sites under CPA (Cost Per Action) affiliate programs

You are paid a reward for a certain action by the user, for example, for the purchase of a product, for registering in an online game, for a completed tour, for an application or a issued credit card, and many, many other options.

The essence of the method is simple - a website is created, thematic traffic is chased, an affiliate program is placed and money is made. For example, you create a landing page by credit cards where you describe 3-5 offers and give affiliate links. If the bank approves the application that the user of your site has submitted, you will receive a reward of 400-1200 rubles per application (the price depends on the conditions of each bank). Driving this financial traffic is another matter worth the effort.

In any case, such affiliate programs are very profitable. The main thing is to be able to choose the right affiliate program, niche, and to catch up with traffic.

15. Investing money in MFA sites (Made For Adsense)

In short, these are sites geared towards earning money from contextual advertising. It is impossible to make good money on this, i.e. alternative ways of making money will bring more. But there is a plus for this type of earnings - it is the ability to install an ad unit on the site immediately (this applies to Adsense) from the moment of creation, in YAN there are more requirements. Thus, the site will immediately start bringing something. From my experience, there is really not much money (it depends, of course, on the subject matter), but medical traffic that is close to me gives about the following result - every 1000 people a day bring about 1,500 rubles a month (provided that contextual advertising costs adequately, and not for half of the screen after loading the page).

16. Investing money in sites for links

Mega popular type of earnings - selling links from the site, both rental and "perpetual". Investments in this type of earnings used to be very, very popular, and there was a high return. I myself made a lot of money on this: for example, I will give a screenshot of the income of some of my sites (I started to take a screenshot - I saw that one site was banned - eh ...):

In general, the number of sites matters here. At this stage of development of search engines, personally, my income from this type of earnings has seriously sagged. Now I do not stake on it. Here is a screenshot of the income dynamics over the years of a single site. In principle, this is the case for all sites.

Another disadvantage of such earnings is that after such monetization, the site can be thrown into a landfill. And while he is monetizing in this way, a large number traffic for other ways of earning is not to be seen. Therefore, this method of monetization is suitable when it is impossible to earn in another "cleaner" way.

At the time of 2019, I sold almost all of my sites due to low income. We can say that this type of earnings no longer works.

17. Investing money in applications for phones (Android, iOS)

In principle, a normal topic if you know how you can make money. The easiest way is to make money on simple applications that can somehow help in life. Or applications that aggregate useful information in one place on a specific topic, or free applications that sell something while using it. Such a freelance can be collected for 30,000-50,000 rubles. In companies, of course, it is more expensive. In this type of earnings, the idea of ​​this application is important. God forbid you to try to repeat the success of some Angry Birds (by the way, the company that made this game released several hundred! Unpopular games before) - this, firstly, costs a lot, a lot of money, and, secondly, if the idea will fail, then you will lose a lot.

18. Investing money in various publics on social networks

My experience in this area has so far been unsuccessful, i.e. more money was spent on the development of the public than it brought. Naturally, I outsourced everything, and did not touch it myself. In principle, you can make money from public pages very well, but ideological active performers are needed (in the case of outsourcing), if you are such, then this type of earnings can become very promising for you. It does not require large investments - mostly only at the initial stage, then you can catch up on subscribers with exchanges. The quality of public content is very important.

If you choose a public theme, then the most popular ones for a wide audience are better - then you will have the maximum number of advertisers who want to advertise with you. The most monetized and popular publics are about success, psychology, relationships, money. By the way, on the basis of a popular public, you can establish a good sales channel for your business, but only on condition that your product is for the general public and with a low average check (for example, phone cases, T-shirts, small jewelry, inexpensive children's clothing, etc.) ...

19. Investing money in your own development

I left the most important thing for last. Investing money in yourself is the most, super important decision in your life, with which you can always make money. Develop, read, attend seminars, buy information products, go to trainings, and most importantly, then try, try, try to implement what you were taught there - of course, effective things are not taught everywhere - your task is to weed out nonsense and build effective skills in a particular area. You will develop skills that will always be yours, no one can take them away.

This is the most risk-free investment and the most profitable - just an investor's dream, which is low-cost and accessible to everyone.

Without investing money in your development, everything else is practically meaningless. Contributing to yourself is like a powerful catalyst in a chemical reaction (hopefully remember the chemistry a little).

I would be glad to comment on the article :) Good luck!

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How to reduce risks

How to reduce labor intensity

How much money to invest

Current types of investments with a low level of risks

What to look for when choosing where to invest money

To understand whether it is worth investing in a particular source of income, you must first of all determine the criteria by which it will be determined whether this is a worthwhile undertaking or not.

If we restrict ourselves to three simple criteria, then we would like to highlight the following:

Profitability

Profitability is undoubtedly one of the determining factors when choosing where to invest money in order to earn money. It is measured most often as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just to save it, then at least the level of profitability should be higher than the level of annual inflation. At the moment bank deposits in Moscow they cannot boast of this, since the average rate on them is about 8.5%, which is below the level of average annual inflation, which for the last three years until 2017 is 9.9%. Therefore, in order to invest money at a high interest rate and make money on it, it is necessary to use other opportunities, which we will consider below.

Risks

The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the likelihood of events in which an investor can lose profit or even his investments. If, when considering ready-made investment proposals, the amount of profitability is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to delve into what the project actually earns on, how long this process has been established and whether a situation may arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts in this who understand and understand this. You also need to understand that more often than not, the higher the profitability, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a small percentage, and as you gain experience, switch to more profitable offer at a high percentage.

Labor intensity

If in pure investing, when you have invested money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in own business appears additional factor how labor intensity is the amount of time spent multiplied by the experience and expertise of the performers. In other words, how much time will you or your team spend on developing your business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but this greatly increases the required labor intensity of the process, especially if you independently participate in business processes. At the same time, risks are inversely related to the experience and expertise of the team, that is, the more experience and knowledge, the less risks.

Where to invest in 2019 so as not to lose - advice from Moscow experts

When there is an understanding of what factors are decisive when choosing where to invest money so that they work, you can already consider and evaluate specific investments, which we will now do.

All options will be somehow connected with collateralized loans.

We believe that such investments, for objective reasons, are the least risky, but at the same time they have a high profitability.

At the same time, everyone will be able to find an acceptable type for themselves, based on the possible labor costs and the availability of expertise.

To begin with, we will tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans that are issued by financial companies (MFIs, PDAs, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. Interest rates on such loans are much higher than those of bank loans, and average from 40% to 100% per annum. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, but go through long and thorough bank checks they have no opportunity. The second category of borrowers are people with disabilities. credit history, the road to banks for which is closed. Or people who do not have the opportunity to prove their unofficial income.

All loans are issued either secured by real estate, or secured by cars. Wherein maximum amount loan most often does not exceed 50% of market value object of collateral, and the term of the loan is usually no more than one year. If the borrower cannot pay off the loan, then the collateral is sold at market value, which makes it possible to cover both the amount of the principal debt and the amount of accrued interest. If the difference remains, it is transferred to the borrower.

It is the presence of collateral that ensures the minimum level of risk for the investor, financial companies and this activity in general.

In 2019, according to experts, activities with collateralized loans became especially popular and in demand among borrowers, while worthy players appeared on the non-bank lending market, allowing ordinary individuals investing money in this area without any labor costs and not only not losing, but also making good money on it, having received your interest with a guarantee secured by the presence of collateral.

Now that we have figured out how it works and why the risks are minimal, let's move on to considering specific types of investment, their profitability and labor intensity. There are three of these options:

• Profitable treasures from 14% to 22% per annum
• Investing-Easy at 24% per annum
• Investing-Profi up to 100% per annum

Let's dwell a little more on each of the options, and you can find out in detail about each by clicking on the corresponding link, where you can also leave an application for participation in the corresponding program.

Profitable savings

This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: I invested money and received income at the end of the term or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than deposits in banks - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Companies accepting savings:

This type is for those who want to dive more into investing in secured loans and get a higher return on investment than in conventional deposits. Here, the investor himself issues loans on collateral on his own behalf, but all other business processes, such as finding borrowers, underwriting (risk assessment and checking the borrower), assessing collateral, drafting agreements, accepting payments and others, are carried out by qualified specialists. The investor's labor costs are the consideration and selection of investment proposals and attendance at the conclusion of the contract. Yield 24% per annum. Suitable if you have investments of 300,000 rubles or more, it is optimal to invest 500,000 rubles or more.

The most profitable, but also the most time consuming type of money investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for the search for borrowers, must be performed independently. Yield up to 100% per annum. A good option, where to invest 1,000,000 rubles and in a year and a half to earn a million rubles from above.

Where is it profitable to invest money at interest - comparison of options

• Risks
• Payouts
• Labor intensity
• Investment amount

One of the priorities of an independent person is to receive income expressed in monetary terms. Such income (if from it, other taxes and expenses) can be active or passive. In the first case, in order to get his money, the employee performs certain actions in accordance with the requirements of the direct manager. The second option implies that income is the result of correctly made investments (investments) in any project or business.

Investing money in Russia is invariably associated with risk: there is a high probability of losing them, if not due to the actions of individual fraudsters, then as a result of another "surprise" from the state. Therefore, a citizen who is thinking about where to invest money should be especially careful in choosing sources of income. The safest and most promising of them will be listed below.

The most profitable investment of money today

First of all, the future investor needs to decide which investment object of the available funds is most interesting to him. It makes no sense to invest in a project, even the most fashionable and with an impeccable reputation, if it is incomprehensible or unpleasant: the only result of such an experiment will be an obsessive desire to quickly "recoup" your investments and leave the game.

Advice: no need to immediately get carried away with exotic ideas. For example, a person who is just starting his career as an investor is unlikely to invest all his savings in: such a business is not only risky (animals can get sick and die at once), but also requires the arrangement of a separate room, which is associated with increased costs. Undoubtedly, it is possible to make money on a project, but only if you have a "safety cushion" or other projects that allow you to stay afloat in the event of a disaster.

So, having determined the goal and abandoning unconstructive ideas, the novice investor must decide where to invest money; it is best to choose any option from the following list.

Deposit

Traditional bank deposit- if not the most profitable, then the safest investment. Funds deposited by a citizen into his account, in mandatory insured, and therefore, even with the collapse of the bank, the depositor will receive compensation, albeit not in full. It is not excluded, however, cases when the only way to restore justice would be the filing statement of claim to court, and how long it will take to move from instance to instance is impossible to predict; but the chances of a favorable outcome are consistently high.

Smart investment is the key to a highly secure future. By placing free money in promising investment projects, you get the opportunity to significantly increase your well-being. What tools are potentially profitable and what profitability they can bring to a novice investor, we will analyze in detail in today's article.

Free money can be invested in these projects:

Sources of investment

The question is where to get free cash, asked by those people who are already thinking about their future. As you know, money is never superfluous. Therefore, if you do not purposefully take measures to accumulate capital, then there will be nothing to invest. So where can you get free money for investment?

Let's consider 3 reliable options:

1. Save 10-20% of your salary ... This option always works. It is important to determine how much can be withdrawn without consequences. If you find it difficult to save money and are tempted to spend it, you can start. True, there are not so many options and they are not so profitable compared to an investment of 100,000 or more. But you can consider investing little money as a time line that will lead you to a big goal.
2. Borrow money from relatives ... Not the best idea, but it has a place to be. Moreover, parents can give initial capital for a good deed free of charge.
3. Additional income ... As sources of additional earnings, one can consider overtime part-time work at the main place of work or short-term options with small pay. Of course, you will have to work harder. But for the sake of getting passive income in the future it will be worth the effort.

TOP-17 ways to invest free money

So, you have a little capital and you want it to work. Below is a list of 17 working ways where you can invest your free money. You just have to adapt them for yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

It makes sense to invest free money in the bank when you need to dig up an emergency reserve just in case. except term deposits, the interest on contributions is quite penny. Therefore, count on good dividends even with large sum not worth it. Anyone who nevertheless decided to place savings in the bank account in the amount of more than 1,400,000 rubles needs to divide it and put in different banks ... To in case of default the state reimbursed the investment in full.

2. Securities

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

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

3. Real estate

Quite a popular method of attracting free money. After all, investing means getting a quick income and covering mortgage payments. However, it must be borne in mind that if the apartment for some reason is not rented out, the money must be paid out of your pocket. In the case when housing is purchased on equity, you will receive a stable profit with minimal risks... It is most profitable to rent an apartment for offices and other commercial premises.

4. Binary options

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

Earning on options depends on whether or not you guess whether the stock price rises or falls at a certain time. You can buy them at different times, ranging from 1 minute to months.

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

5. Microfinance organizations

7. Business

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

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

8. Precious metals

13. Own website

Website development is one of the most popular ways to invest in this too. there are a number of reasons:

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

With all the advantages, it should be borne in mind that competition in this area is huge.

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

14. Social networks

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

In any case, doing social networks yourself, you do not need a lot of money. With a successful combination of circumstances, you will receive a good income from the sale of advertising; with a bad experience, nothing will prevent you from selling a unprofitable group.

15. Education

At the initial stage of your career, it is very important to invest money in acquiring knowledge. New skills make it possible to establish yourself as a competent specialist and earn more money for a comfortable life in the future.

16. Structural products

A stable way to invest savings, which gained popularity at the height of the crisis and is still used today. The bottom line is the division of capital and the investment of the main share of investments (80%) in bonds and the remainder (20%) in futures and options. This combination allows the investor to receive up to 40% profitability if successful, and if it fails, to remain with his funds.

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

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

The profit may be higher when it comes to, but it is important to carefully monitor news and analytics.

17. PAMM accounts

Investing in PAMM accounts is the transfer of free money to a trader for a temporary order in order to increase it as a result of trading on Forex. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. In case of a loss, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.

Conclusion

As you can see, there are a lot of worthy options where you can invest your free money. The entry threshold for the listed alternatives is affordable, so you can try all the tools and find the right one with little or no cash loss. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.

As you know, recently the situation on stock market very aggravated. The fall in the ruble exchange rate did not have a positive effect on the data predicted by experts. Therefore, every person who has their own savings worries about them and looks for ways that can help him save finances due to inflation, and thinks about where to invest money with a guarantee. Otherwise, what is of value now may soon become a penny. But there is always a way out, and even now, in such a tense atmosphere, a solution to the problem can be found. Investing in various areas will help not only save your resources from depreciation, but also make money on them.

Currency operations

For a long time, the dollar has retained its positions at stock exchange... In this regard, many experts believe that the ideal solution would be to transfer all savings into US currency. Perhaps this very move will allow not only to save resources, but also to make a profit in the future. This is exactly the option where it is more profitable to invest money.

If a person is ready to risk his finances, then he can try to make an investment by transferring his money into euros or dollars. The most important factor affecting the value of a given currency is the price of oil. In addition, the fluctuations in the exchange rate are influenced by political changes on a global scale. Therefore, it is very important, before making a deal, to carefully study all the predicted data and evaluate possible risks... And only then to decide where it is more profitable to invest money.

It is also worth paying attention to strong conservative currencies. I mean something like pounds sterling. But these currencies are more likely to be just a protective mechanism for financial savings. It will be profitable to exchange money later only if you invest in American and European currencies. Taking into account their growth in the future, it will be possible to get a good amount.

Create a personal project on the Internet

Since the advent of the Internet, the business world has changed, its horizons have expanded significantly. World economy on this moment is going through quite serious changes. And a partial reason for this is that many are moving their businesses to a virtual environment. Now, according to experts, financing in the service sector, trade business or manufacturing your own products is the most risky business these days. But the investments made in the Internet project can bring good money.

Online stores, blogs, news portals and forums are now considered the most relevant in this market. If the choice of where to invest money in order to make money falls on the Internet sphere, but you have absolutely no experience in this area, then it is best to gather a staff. At the moment, there are many IT specialists who can not only develop the site itself, but also fill it with unique, interesting content. This will determine the attendance of the resource, how much money it will bring, and so on. That is, the more interesting the information on the site, the more likely the project will be profitable. It is also important that you have promotion specialists working for you. They will be able to bring the resource to the first pages of search engines and attract more visitors. And then this area will really be the one where it is more profitable to invest money.

The main point why the Internet is a profitable investment is that it has no limits. That is, it doesn't matter the opening hours or the geographic location of your business. People from all over the world can become your clients. That is why a project in a virtual environment is good decision for investment, experts say.

Mutual funds

Investing free money in mutual funds is an old technique of people who understand what the market for finance, securities and the like is. Many experts believe that this is the ideal investment solution in our time. A scheme of such enrichment has been practiced for a long time, many young investors made their fortune precisely on such investments.

The essence of a mutual investment fund is that investors collectively invest their money, transferring a power of attorney for their further support to traders with experience in this area. All invested money is collected in a general fund, then you need to find a project manager who will carry out all financial transactions in order to generate profit for all investors.

This option is ideal for people who are just starting out. investment activity... For an ordinary person the necessary information about what in different organizations is not always available is not always available economic indicators... Acquisition of securities is not difficult; any novice investor can do it. Difficulties begin when the need arises to start managing them. A professional trader will tell you which stocks to invest in, or better in precious metals and others important assets, whose value has temporarily decreased in order to then regain their own positions in the financial market.

For a professional search for the ideal option for investing money, you must make an effort and focus on the area that interests you. First, it is important to understand what is world economy and understand all its intricacies. Secondly, you should definitely follow all the news, this is the only way to react in time to important changes in this area. For an ordinary person, this is quite difficult and it is not always clear what to pay attention to and how exactly to do it. Therefore, if there is no experience and knowledge in this issue or there is simply not enough time to deal with it, it is better to find professional specialist and entrust him with financing and investment. You will not have to worry about the honesty of cooperation with the company manager, because all his activities will be strictly controlled by state bodies.

Real estate

Buying a home is one of the surest ways to invest money so as not to lose. Prices for it fall very rarely, and in the case of the center settlement also grow. And it doesn't matter if it is commercial or it will be residential space. According to experts, the value of real estate will only grow in the coming years. Therefore, by investing in this area, you can get a decent profit. This is one of those options where to invest money in order to receive monthly income.

The ideal investment option would be to buy a living space and rent it out after all the paperwork has been completed. People using this method to accumulate capital recommend purchasing several rooms or a couple of one-bedroom apartments. Basically, landlords receive from 10 to 20 percent per annum per year. It will take about 10 years for the cost of housing to pay off, and as a result, the apartments will begin to bring a net profit to their owner. But this is still the right option where to invest money in order to receive monthly income.

This investment tool will be useful to those who have a good start-up capital... The idea is completely new, so it has long established itself as a good option attachments. After all, it turns out that the landlord receives a monthly income from each purchased area.

The most important disadvantage in the decision to invest in real estate is considered high price investing in this area. In addition, unforeseen problems may arise during the transaction that will have to be addressed. But still, such investments are a guaranteed investment option with long-term profit.

The biggest risks in investment projects

It is very important for people who want to make a big profit from their investments to be able to see the perspective of the project. Only by learning to distinguish between profitable deals and fraudulent schemes can you start making investments. There are projects in which it is not worth investing money under any pretext.

All kinds of HYIPs should be avoided, or, as they are also called, financial pyramids... A well-known example of such a scam is MMM. Only the creators of the pyramid can withdraw a lot of money from such a project, while the rest go bankrupt in about a year. Experts strongly advise against investing in such schemes.

An investment in an online casino will also be of poor quality. This is a very common type of investment collapse, because many people invest almost all their savings in these projects and, as a result, are left with nothing. After all, it is almost impossible to win in such a casino, at least a large amount. But you can spend everything in the hope of getting a jackpot. The main scheme of such a business is that people who are prone to gambling invest money there, and at the right moment are not able to psychologically stop, so they lose everything they have.

These are the two most common schemes where novice investors are offered the notorious "cheese in a mousetrap" practically for free. But our world is arranged in such a way that easy money does not bring a stable income, but, on the contrary, provokes a person to lose everything he has. Do not pay attention to bright advertisements and confidential slogans. It is better to consider more serious and reliable options for where it is more profitable to invest money.

Precious metals

Buying precious metals is perhaps one of the oldest and most common ways of investing. financial resources... Most often, the choice of investors falls on the purchase of gold. At the moment it can be exchanged for money in banks, and it is measured in bullion. Usually the price of this precious metal jumps, but, despite this, all investors in this direction have a profit from such an acquisition, and quite good.

It should be borne in mind that transactions of an impersonal type will allow you to purchase gold without paying taxes. And it doesn't matter if you buy it or sell it. But if you decide to buy an ingot, then you will have to pay the state 18 percent VAT.

It is now popular to buy not only gold bars, but other metals as well. The most common are silver and platinum. You can make a profit from such acquisitions if their value on the world market begins to rise. If you are afraid that you will lose money due to inflation, then gold is best investment... It is only worth considering that the transaction should be carried out when the price of the metal is at its lowest. Such an investment may not pay off immediately, so it is best to invest free money in it.

Investment in art

If the question is where to invest money in order to earn money, then it is worth considering the option of investing in works of art. The main thing that is needed for this is to have an understanding of this area and be well versed in it. Also, the need for a constant presence at various auctions and exhibitions will fall on your shoulders, because you will have to look for buyers who want to buy this thing.

Investing this kind has its pros and cons. It's no secret that you can buy and sell a piece of art. Moreover, anyone can make such a deal, no matter how old he is or what his status is.

No special permits or documents are required to make a purchase in the art field. If required, a professional with a good understanding of the arts can be employed to assess the value and authenticate the future purchase.

The most favorable time for such investments is the crisis. It is at this time that many people, having gone bankrupt or having significantly lost their fortune, begin to give away such things at a low cost. The main disadvantage of investing in art is the long-term profitability. Sometimes finding a buyer can take years.

Own business

Investing money is very profitable in the development of your own or other people's projects. According to experts, this is one of the most effective ways profitable investment... Of course, this area is one of the most profitable, but in order to achieve a positive result, you will have to work very hard and seriously tackle the issue. And do not miscalculate with which business to invest money in.

Experts say that the first and the most important step in this case is an estimate of the initial investment amount. It is on its basis that it will be possible to make assumptions about whether it is rational to invest in this project, and how it will be, profitable or unprofitable.

Also, the profitability of such an investment is influenced by many external factors, the main ones of which are competition, dishonesty of suppliers and employees, as well as constant changes in the legislation of the country. The main thing is that the money invested in the business brings net profit.

When it comes to the question of what kind of business you can start with a small amount of investment, there are a few trivial options. First, you can try to open a grocery store or offer services for the production and installation of windows and doors. Secondly, you can try to organize a personal farm by purchasing land plot v countryside... There can be a lot of options where to invest small money, the main thing is to understand what you would like to do and make sure that this is a really profitable business that is worth investing in. If you are not well versed in the matter, it is better to use the services of professionals who can advise you on the best option.

Bank deposit

V last years A very common option for protecting money from inflation is the decision to profitably invest in a bank at interest. A lot of money on this investment instrument you will not be able to make money in any case, but inflation will definitely not be able to spoil the mood.

If you still haven’t decided where you would like to invest your money, it is worth considering this option. The main thing is to find in which banks it is profitable to invest money. We need to look for those structures that can survive any crisis. The easiest way is to work with private organizations. If you have such in mind, then you can go there and open a deposit account at interest.

Naturally, there are risks of such a decision where to invest money. Expert advice - open a deposit for no more than three months, but at the same time indicate in the agreement that you want to capitalize interest and want the rollover to occur automatically. It is definitely worth clarifying that you reserve the right to receive your money back at any time if necessary, even if the term of the deposit has not yet expired. This is the only way to profitably invest in a bank at interest.

If it works stably, then good dividends await you. If there are any problems or there is a risk of bankruptcy, then it will be possible to withdraw money and open a deposit in another, more reliable place. If you take deposits into account, then this is a good option for where to invest your money. Expert advice - carefully read all contracts and follow the news about the state of the bank.

conclusions

The world market is now quite unstable, so it is important to be able to make rational decisions in times of crisis and be able to work and adapt to a variety of changes in the economy and legislation. Having considered many options, we can safely say that it is possible and necessary to save money from inflation and even profit from it. But it is very important to understand the area that will become the main one after funding.

Only by understanding what you are dealing with can you achieve positive results. In addition to positive aspects, there are also negative ones: these are multiple pyramids and other fraudulent schemes that can cloud the mind of a beginner, inexperienced investor. Therefore, without experience and the ability to understand business, it is best to hire specialists who are able to soberly and sensibly assess risks and choose the right decisions regarding all investment operations.

The world market is growing every year; recently, many new, promising areas for investment have appeared. Therefore, beginners and not only investors have a lot to turn around. The main thing is to objectively assess your capabilities and calculate all the options for the development of events so that the investment turns out to be profitable, and not unprofitable.