Investments for individuals c. Anton Poliskis, General Director of Lores Consulting

The country's economy continues to be in a fever: the crisis that began several years ago continues to rage. That is why the question of where to invest in 2018 remains relevant. It is very important to start investing even small amounts as early as possible - in this case, you will be able to accumulate much more and spread the risks among a larger number of instruments.

The review below shows the most promising areas of investment in 2018. Some types of assets, investment in which is not so attractive, are listed separately at the end of the article.

Foreign currency deposits - growing interest

If in 2016-2017, foreign currency deposits practically did not give their owners any profit (for example, on deposits in dollars, the maximum rate was 0.5% per annum, and the euro was at all - nominal at 0.01%), then in 2018 the situation was seems to change.

Already at the end of 2017, many banks began to offer more interesting interest rates on foreign currency deposits.

For example:

• Promsvyazbank offers a deposit " Maximum percentage»With a 2.8% rate on a dollar-denominated deposit, and SMP Bank - 2.5%, and if for investments in the first bank you need at least $ 100 thousand, then in the second case - $ 1,000.
• Promtransbank offers 2.25% per annum on foreign currency deposits with a minimum deposit amount of only $ 100.
• With the euro, the situation is similar - UBRD offers savings deposit in the main European currency at 1.3% per annum with a starting amount of 300 euros.

If in 2018 the ruble continues to be as stable and currency risks remain as low, then banks may make more attractive offers.

It was profitable to simply exchange rubles for currency and keep it under the mattress in 2014-2015, when the ruble was rapidly falling. In 2017, it was unprofitable: for example, the price for 1 dollar fluctuated in the corridor from 56 to 61 rubles, at the end of the year even a fall was recorded. Considering that banks did not provide income deposits, buying a dollar or euro in 2017 was not the best idea.

In 2018, the situation promises to change. If the dollar does not rise in price, then it will be possible to earn at least on deposits. On the other hand, there are more attractive and fairly reliable assets capable of giving much more than 2-3% per annum.

As for the specific choice of currency, it is not worth giving preference exclusively to the dollar. Consider the following options:

• Euro. In 2017, the European currency strengthened significantly, as investor confidence returned to it, in 2018 we can count on its further growth. However, it is worth considering the possible risks in connection with the separatist sentiments of a number of regions of Western countries. So, if Catalonia or Scotland still secede from their countries, it will be a good blow to the Eurozone.
• British pound. After Brexit, the pound recovered to mid-2016 positions. If we exclude the "Scottish" risk, then this currency is the most promising among all European ones: the British economy is on the rise.
• Yuan. There are many prerequisites for the growth of the Chinese currency in 2018-2019, especially relative to the ruble: the rapid development of the Chinese economy, the inclusion of the yuan in the IMF reserve currencies, active interaction between Russia and China (in our country, even OFZs are issued denominated in yuan).

If you decide to invest in foreign currency, we recommend collecting a diversified portfolio of 3-4 "foreigners", distributing capital between them in the same proportion. So there will be more chances to protect yourself from a fall in the exchange rate. individual country.

The stock market is a never-aging classic

The stock and bond market is still attractive. In 2018, it would be a great idea to invest in Russian and foreign stocks of various issuers.

Stocks are the most profitable

Special attention should be paid to promotions:

• Extractive and refining enterprises, including oil - most likely, prices for minerals will be adjusted in the coming year;
• Energy companies - new methods of energy production, including "green", are a priority for many states;
• Pharmaceutical corporations;
• Entertainment content businesses (e.g. Netflix, Disney, HBO, Ubisoft, etc.);
• High-tech companies, especially those specializing in the creation of new materials and in the field of robotics.

These areas have been trending throughout the decade, and many companies have accumulated good growth potential. For example, shares of NVidio rose more than 300% in 2017 due to strong demand for their video cards used for mining. And if the "bitcoin rush" continues in 2018 (and it will continue with 90% probability), then stocks will continue to grow after.

When choosing a stock to buy, it is worth paying not only to the trend and technical data, but also to be guided by investment multiples, at least P / S and P / E. And it is better to carefully analyze the financial statements and buy shares of undervalued companies.

It is better to buy Russian shares in summer and autumn, after the end of dividend payments - at this time they become cheaper. On the other hand, when looking to buy shares for dividends, you should choose companies with traditionally large payments. Here you can advise to pay attention to the shares of state corporations - according to the law, they must send at least 50% of profits to payments.

Eurobonds

Eurobonds will be a good choice in 2018. These are shares of Russian firms issued for circulation abroad. They are issued in foreign currency. Their profitability often exceeds the interest on deposits, and you can additionally earn:

• On the rise in the value of the Eurobonds itself;
• On the growth of the currency against the ruble.

The only minus of Eurobonds is a large entry threshold, the minimum price for one such security is basically $ 1,000.

OFZ yield

These bonds are secured by the state itself, therefore, there is no reason to doubt their reliability. In 2017, OFZ and OFZ-n became a real discovery for private investors who are just starting to invest, due to their affordability and higher income compared to deposits.

You can significantly increase your bond returns by using an individual investment account.

The fact is that the investor has the right to receive a deduction of 13% of the funds transferred to the IIS (provided that he pays personal income tax). Thus, every year you can return up to 52 thousand rubles to your account (the maximum deduction is 400 thousand rubles).

Another plus of OFZs is that there is no need to pay NFDL either on coupon payments or on the difference between a sale and a purchase. All profits earned will be yours.

Of course, in 2018 it is difficult to expect OFZs with a yield of 15-20% per annum (and for a couple of years the state offered just such). However, it is worth using a bunch of OFZ and IIA.

"People's" bonds

OFZ-n is a separate type of assets issued by the state specifically for individuals. The face value of the bond is only 1000 rubles, which makes it available to any buyer (however, you need to buy at least 30 pieces). The yield of OFZ-n depends on the holding period - the longer the bond is held, the greater the reward: 7.5% in the first year and 10.5% in the sixth. The maximum income from one security is 268.21 rubles, or more than 26.8%. You can buy OFZ-n only in Sberbank and VTB24.

If the experiment turns out to be successful, the government will issue several more issues of such securities in 2018.

If you are a cautious investor and want to get guaranteed profitability provided by the state itself, then OFZ-n is your choice. Especially if there is an opportunity to invest more than 1.4 million rubles.

Trust management, mutual funds and ETFs

If there is a desire to make money on the stock market, but there is no way to directly work on it, then in 2018 you can choose mutual funds or ETFs as objects of investment.

The advantages of investing in funds are obvious:

• Sufficient diversification, which allows you to invest in such expensive and profitable shares as Transneft, and in those inaccessible to an ordinary investor (available for purchase only by funds);
• The portfolio is managed by professional traders who adjust its composition in time and actively trade on the stock exchange;
• Relatively low risks in contrast to personal investment;
• The ability to receive passive income.

Last year, mutual funds showed good dynamics, while the stock market as a whole was in equilibrium. The profitability averaged 12.5%, the maximum - 38.29% (Sberbank - Global Internet). Maxwell Capital lost the most (loss of 10.74%).

An ETF is an exchange-traded fund that invests in an index, such as the S & P500 or the Nasdaq, or another fund (usually closed-end). Unlike a mutual fund, which can rebalance a portfolio arbitrarily, an ETF strictly follows an index.

ETF shares are sold on the St. Petersburg Stock Exchange, so you need to look for a broker that provides access to it.

By the way, as an alternative to mutual funds and ETFs, you can consider bank trust management. For example, Sberbank offers ready-made investment strategies in IIS, and VTB offers portfolio investments from ETFs. This is also an indirect income in the stock market, which allows you to get passive income without trading yourself.

Cryptocurrency - the new future of the economy

The staggering rise in the value of bitcoin - literally from $ 1,000 at the beginning of the year to nearly $ 15,000 at the end - has shown that cryptocurrency and blockchain have a great future. Analysts predict an increase in the cost of BTC to $ 50 thousand per unit by the end of 2018, or even higher.

It is unambiguously clear: it is not too late to invest in bitcoin, even if the chart looks intimidating.

There are many reasons for this:

• Blockchain is gaining new positions and finding new areas of application - the demand for bitcoin is growing;
• The process of legalization of cryptocurrencies has begun, which will reach its peak in 2018-2019;
• Derivatives such as bitcoin futures are emerging that will allow this market to grow further.

Also, successful ICOs add popularity to bitcoin and cryptocurrency in general, but more on that later.

Nevertheless, it is worth considering the risks of bitcoin:

• In fact, the cryptocurrency is not backed by anything, and is only valuable because, as its holders think so;
• Bitcoin can be "pushed" by other cryptocurrencies, with a more "advanced" code, faster transaction confirmations and other "goodies" (for example, Etherium has practical applications, and a number of other cryptocurrencies, for example, Dash, have already begun to be used in banks);
• In Russia, bitcoin can simply be banned.

There are different ways to invest in BTC:

• Just buy it on any exchange;
• Mine with your own hands (though it is very expensive and risky);
• Buy cloud mining power;
• Invest in assets backed by bitcoins (for example, ICO tokens or BTC futures).

ICO - token for whom, for two

it new instrument fundraising, which is used by startups to finance their projects. An ICO is somewhat similar to an IPO, only instead of valuable papers so-called tokens are issued. Subsequently, investors who participated in the ICO can sell them for cryptocurrency or fiat money, or exchange them for various privileges (the first option is most often used), or simply receive deductions from the startup's profits.

The ICO market grew in 2017 at a fantastic pace along with the cryptocurrency. In 2018, it is predicted that it will stabilize and new promising projects will appear on the arena. Already, many startups have begun raising funds in the fall-winter of 2017 and are planning to complete it in the new year.

A return of thousands of percent in a few days is not uncommon in the ICO market, but there are a lot of scammers in the field, so the risks of investing in this instrument are increased.

On the other hand, it is in 2018 that many states, including Russia, are expected to legalize ICOs, following the example of Singapore, and put things in order in this area. This will give additional guarantees to investments in cryptocurrency and provoke active market development. So it is ICO that is the most promising, albeit high-risk, object for investing in 2018.

The main thing when investing in ICO is to carry out competent diversification and not to invest unnecessarily large sums.

IFC and PDA - what's new?

The microcredit market underwent a strong transformation in 2017. So, the usual MFOs were divided into IFCs and MCCs, and the right to attract investors' funds remains only with the former.

The main requirement for IFC is large equity(more than 70 million rubles), a license from the Central Bank, regulated rates (no more than a certain limit). In a word, order was restored to the previously wild market. Out of almost 3.5 thousand MFOs, about 120 companies received the right to raise funds, and no more than three dozen companies exercise their right.

The profitability of the IFC is quite high - from 20% per annum, but the entry threshold is also large - from 1.5 million rubles. We must not forget that investments in a microcredit company are not insured by the state - in case of bankruptcy, the company will have to join the line of creditors in order to receive their money.

Interestingly, the entry threshold can be lowered literally to 1,000 rubles if the company decides to issue its bonds. For example, the Home Money company has repeatedly announced such intentions. If this is realized, in 2018 the IFC market will experience a new birth.

If 1.5 million rubles are not freely available, credit consumer cooperatives can be considered as an alternative to the PDA. Incomes here are more modest - usually at the level of 10-15% per annum, but the risks are lower and the entry threshold is lower.

Crowdfunding - development news

Co-investment is another future trend. Many services are expected to emerge in 2018 to enable collective business investments. At the moment, the most authoritative sites are:

• City of Money - a project that allows prospectors to find business angels or attract investments "from the world on a string";
• StartTrack is the oldest crowdfunding project in Russia, but now, however, it lacks platforms;
• Alpha Stream is the first project from a large bank that offers collective investments in several companies at once (on the basis of a portfolio).

Alpha.Flow is developing especially actively. For two years of development, he managed to increase his portfolio more than 5 times. The service allows customers to receive from 25% to 30% per annum, the minimum investment amount is 10 thousand rubles.

Taking into account the positive experience of the site and the fact that more and more startups prefer to look not for single business angels or venture capitalists, but to attract funding from many people, in 2018 we can count on positive growth of this market.

Endowment insurance and pension programs

And, of course, investments for the future remain relevant in 2018. This is, first of all, accumulative insurance life and long term retirement programs. Interesting options are offered by Sberbank, Rosgosstrakh, VTB Insurance and a number of other programs. Here the investor needs to proceed not so much from the future profitability, but rather from the reliability of the company - whether there will be an insurance or non-state Pension Fund exist in 20, 30 or 40 years, when he gets together for a well-deserved rest. If the answer is yes, then invest.

Not the best investment options in 2018

In 2018, a special situation is taking shape on the investment market, and therefore investments in a number of assets are unjustified. The list below contains options where you should not invest with a large profit next year:

• Ruble deposits. The Central Bank has chosen a further rate cut as a target. Consequently, interest on deposits will decrease. Add to this the risks - the regulator constantly revokes licenses even from seemingly reliable banks (we are talking about Otkritie and BinBank). So it's hard to talk about the prospects of ruble deposits in 2018.
• Structural products. In essence, they represent a deposit + an investment in a security. Due to the deposit part, capital protection is formed. That is, the investor will either get his money back without interest, or increase his savings, but usually by some fixed amount, for example, 10% per annum. If for a novice investor or a person who wants to save large sum in risk-free assets, structured products are a way out, then it is easier for the more sophisticated to collect a balanced portfolio of stocks, bonds and other assets, including a large deposit as an insurance part.
• Gold. After intensive growth in 2008-2012, the price of gold fluctuated in the corridor between 1200 and 1300 dollars per troy ounce. Until a really major crisis is coming, investors will not see gold as a safe haven. That is why in 2018 it makes no sense to invest in it. Bullion gold has another major drawback: the need to pay VAT in the amount of 30% of profits, the lack of compulsory medical insurance is too high spreads. And the investment coin market is quite specific, and without proper experience it is very difficult to make money on it.

• Real estate. Housing prices are falling, so that in the future, one cannot count on a rise in price per square meter. The rental market is also shrinking: due to low prices for apartments and available programs Lending people prefer to buy a home rather than rent it. If we take into account the increased costs of real estate maintenance (taxes + utility rates), then buying housing for rent in 2018 is futile. In addition, the authorities are actively fighting illegal entrepreneurship, and they will have to legalize themselves. And this means at least 13% deductions to the budget. Real estate should be purchased only for personal use - or for a very long investment horizon, at least 10 years.
• PAMM accounts. "Golden" era this asset passed. Forex is no longer growing at the same pace, and the alternatives to trust management (PAMM accounts are just a kind of remote control) in the form of auto trading or auto-following further reduce the list of potential clients. There are fewer and fewer truly professional traders, moreover, the regulation of the forex market has imposed restrictions on the use of tools (leverage and the number of available assets have decreased significantly).

And, of course, in 2018 you shouldn't trust such phenomena as numerous binary options brokers and pseudo-trust management companies (HYIPs).

Real binary options are traded on the Chicago Stock Exchange, their expiration period is several months, and the price is from tens of thousands of dollars, and they are available only to professional investors. What is on the Russian market is best case a kind of casino. And HYIPs are real financial pyramids. You can play, but you cannot earn.

We prioritize

Thus, there are many areas for investment in 2018. The most attractive assets are cryptocurrencies and ICOs, followed by the stock market (both the independent purchase of securities and the transfer of funds to trust, including the purchase of units of mutual funds and ETFs), crowd investments, investments in microfinance companies and foreign currency are relevant. At the same time, investments in gold, real estate and the ruble are best avoided.

AND foreign exchange market makes Russians seriously think about where to invest money in 2018 in Russia, the opinions of experts on this matter are different, because some of them recommend investing in new organizations and industries, thereby stimulating, and someone advises not to take risks and buy precious metals or keep finances on deposits.

Preservation and augmentation own funds requires compliance with some rules, and the main thing to remember is the analysis economic situation in the country, as well as a clear definition of the purpose of investment. However, this is not all, the Vedas need to really determine the value of money, not forgetting that they can depreciate under the influence of inflation, and if finances simply lie, then their value will gradually decrease. In addition, you need to remember that the profitability of investments and the level of risk are interconnected, so you should not immediately strive to get the highest possible profit, because this may hide the risk of losing your own savings.

Looking through the experts' advice on where to invest in 2018 so as not to lose, one cannot fail to notice that experts recommend deciding on the purpose of investments, that is, you need to outline a clear plan and follow all of its points, paying special attention to the time frame of investments. And, of course, you need to diversify your own investments - divide them and use several investment methods, because this way the risk of losing your finances will be minimized.

Where to invest?

1. Bank deposits. The most popular way to save money is bank deposits (in rubles, dollars or), and in modern times they have become more popular, because the Central Bank has lowered the key rate on deposits and today it will be at the level of 7-8% (that is, higher, than inflation). The most relevant will remain deposits in, because they offer the highest rates and the rate of the American currency in 2018 will resume its growth while the ruble will fall in price policy by 5-10%. Moreover, it should be noted that for large acquisitions (vehicles, real estate) dollar deposits are best suited, because the cost of such things is directly tied to the US dollar.
2. Purchase of "people's bonds". Discussing where it is better to invest money in 2018 to avoid inflation, Alexey Kudrin recommends paying attention to deposits in federal loan bonds, which are securities specially issued by the authorities to replenish state budget... They have a limited time period, which, as a rule, is 1-3 years, and after this period, a person receives a certain percentage of income. Alexey Kudrin believes that investing in public bonds will help to maintain a relatively high rate rubles in bank deposits, but it should be understood that it will be possible to use the income from investments only after the expiration of the validity period of the paper (it will not be possible to withdraw money earlier).
3. Real estate. It is no secret to anyone that the value of real estate has decreased slightly, but no one doubts that it will rise again in the near future, so buying a house or apartment is a good investment. The estimated increase in the value of real estate is planned for 2018, but the disadvantage of this method of investment is that to buy an apartment, a rather impressive amount of money is required, while special attention should be paid to the area where the purchase will be located, and increased funds can only be obtained after a few years (if the sale is too fast, it will be necessary to pay tax).
4. Precious metals. Thinking about where to invest in 2018 in order to make money, it is also worth considering the precious metals market, which enables a person to make long term investment... The value of precious metals is constantly increasing in value because they are scarce commodities. It will be possible to make a profit from their sale only in 5-10 years, but you can be sure that the loss financial investments reduced to a minimum.

It is worth considering another way where it is profitable to invest money in 2018 at interest, which includes the stock market, because experts believe that it can bring investors a fairly good income. However, you need to remember that it will be extremely difficult for a beginner to deal with quotations of valuable documents, so this method is suitable only for those people who have experience and certain qualifications in this matter.

It is possible to deal with investments in the stock market on your own, but initially the deposits should be small and it is worth preparing for possible losses. Moreover, there are certain nuances that a novice investor should know about, because, for example, to trade on the market, a person will need a special license, a special program, as well as a fairly large an initial fee(its size varies on different exchanges).

Related news:

What conclusion can be drawn?

It is possible to choose the most optimal way to invest and save financial resources only by analyzing all the nuances of existing investment instruments. You also need to be aware of possible risks and clearly define the purpose of investing money (preservation, augmentation or protection against inflation). Short-term deposits provide the best protection against inflationary changes, and medium- and long-term investments are aimed at multiplying finances, although there is a dependence between prices - the larger the contribution, the greater the amount of profit received.

Reducing the risk of losing funds will allow a differentiated approach to investment, which is recommended by almost all modern investors.

Hello dear readers of the financial magazine site! Today we will try to reveal the question "Where to invest money". After all, the difficult economic situation in the country's economy makes you constantly worry about your own financial resources.

Therefore, we are constantly faced with many questions, first, where to invest money, to keep and not to lose, then where to invest, to earn, to receive monthly income etc.

Detailed instructions: where to invest money so that it works and brings monthly income

If there is even a small amount of accumulated capital, then there is a real fear of losing it. That is why we are trying to be more literate in matters of investing money, exploring various opportunities for profitable investment.

Of course, many of us are far from politics, big economy and state management methods, but this does not deprive us of the opportunity to study the experience of successful people, look through the advice of experts, determining the most optimal way to invest money in order to generate income... Such a detailed review of the situation will help determine the most profitable area of ​​money investing in this moment.

In this article, you will learn:

• Where to invest in 2019, so as not to lose- expert advice;
• Where to invest money to earn (to make them work) at a high interest rate with a guarantee - the basic principles of investing money ;;
• Consider where you can invest in Russia + real ways investment of money depending on the amount of money.

Investment rules

1. Where to invest so as not to lose - 5 basic rules for investing 💎

So, how to invest money so as not to lose it and what needs to be done to make it work and generate income? On our website we present 5 investment rules, which must be taken as a basis. They will be kind to you " desk book", Which will help you to take the most correct actions to save and save money.

These rules have been developed through experience gained and have proven to be effective over the years.

Rule # 1. Free money

This is the first rule, stating that you can invest (invest) only those funds that are available after the fulfillment of all basic obligations and needs, that is, we are talking about not taken on credit / debt, etc.

Never take money for investment on credit or duty... It should be understood that subsequently an unsuccessful investment can lead to bankruptcy and limit the possibility of returning finances at the appointed time.

In addition, an incorrectly calculated economic budget for your own family will cause additional difficulties for you. After all, sometimes everyday problems that arise require an urgent solution.

Remember that private loans, credit debts can not only rewrite your good history, but also ruin a relationship with close relatives, obligations to which will remain unfulfilled.

But if you do decide to use a loan, then our article about even those with a bad credit history will help you.

Rule # 2. Regular income

When investing your own money, it is important to realize that you can only count on the money that you can earn in the usual way, without resorting to the results of investments. We have already written about where you can make money without investments.

Divide these items of income into 2 parts, one of which is constantly increasing capital, remaining intact, and the second provides a personal existence and is replenished monthly from stable sources.

Rule # 3. Investment plan

Make it up in advance, defining clear parameters. Consider all your options and methods, try to choose 2-3 types of investment... At the same time, it is important to understand that the actions you have planned can be adjusted taking into account the changing economic situation in the country. That is, a well-built investment plan should be flexible and up-to-date.

Try to make sure that all free funds are not invested in one single project (investment method). Investments in several projects will have the greatest efficiency. Even if in some area it is not possible to achieve profit (there will be a loss), then other types of investment will correct the situation.

Rule # 4. Don't waste your profits

This rule says that the money earned should form and increase your capital. Many experts advise to quickly withdraw the earned money from investing in other investment objects.

Form your own investment portfolio and look for new most profitable sources of investment.

Rule # 5. Control your money

Try to be interested in the movement of your own funds and assets as often as possible, paying attention to even minor nuances. This will allow you to avoid many mistakes and problems, as well as allow you to make the right decisions on the contribution of your money.

In addition, you should be very careful about dubious and super profitable investment proposals. Carefully check all possible information on these types of investment.

Do not forget that cases fraud have become much more frequent and it is not always possible to immediately determine the veracity of the intentions of a company / person.

Inquire about the company that plans to cooperate with you. Browse the various reviews on the Internet and learn from the experiences of other people with a history of investing in it.

Try to make preliminary calculations, pay attention to the final amounts. Profit too fast and too high should alert you.

Remembering these simple rules, it will be easier for you to navigate your own capabilities. It should be understood that only a thorough study of the situation and the proposals received will help to become a more competent investor.

We are used to trusting the words of our friends, parents, relatives, but the situation is changing daily and yesterday's profitable deposits can turn into a risk of loss today. That is why you should count on your financial literacy .

According to experts, the income we receive on a monthly basis must be divided by 3 components:

• the main- this is the money that is spent on the purchase of food, clothing, apartment costs.
• cumulative - it is approximately 10% of the amount received. Here spending is supposed to buy a car, a trip on vacation.
• working- the entire remaining amount, which can be disposed of at personal discretion. It is she who is the source of future investments.

As you can see from the diagram, little money remains for investment, but it is they who are capable of increase significantly with the right approach.

Even if there was a situation in which a very profitable project, and there is not enough own funds for it, try to find other investors / co-investors. By joining forces, you will create a common fund, which in financial language is called pool, thereby giving a start to the business itself to obtain higher interest.

These situations are not uncommon and people very often strive to find like-minded people who have cash reserve... The general idea can provide an incentive, and the capital raised can provide a good return.

2. Where to get money to invest it profitably - tips 📑

Sometimes it seems that the very word “ Investment»Means a large financial amount that is difficult to find right away. (Our article "" will help you). That is why we try to put bills in a box, keeping them at home until better times.

In fact, such a position wrong , because any free money should work for you, attracting new financial resources. If we talk about such a method as preserving and increasing capital with the help of a bank deposit, then the initial amount of investment can be 1000 rubles.

It is just important to choose the right one bank deposit and the terms of its use. Read about what they are in a separate publication of our magazine.

Yes, buying currency, precious metals, art objects, and even more so own business demand a more significant amount from you. But here, too, there is a way in which you can gradually collect the missing finances.

At first , teach yourself to save. Try to shop right, creating your own benefit. We recommend reading the article - + expert advice "

And secondly , save monthly10 % from the income received for preservation... Thus, you will create a clear structure for the distribution of funds and in a few months you will come to the intended result.

Profitable ways to invest in order not to lose, save and earn

3. 13 ways to invest money to make it work and generate income 💸

Let's try to consider the most relevant options for investing our own funds, identifying their advantages and disadvantages.

Method number 1. Bank deposit (which bank is better to put money at interest)

This is the most common way that anyone can invest their money. Its whole point is that an agreement is concluded, on the basis of which all the funds you deposit are not only saved for a certain time, but also multiplied, according to the specified rate.

Investor (depositor) acquires confidence in that he will receive income, the amount of which can be calculated in advance. This method of dealing with money is beneficial for both parties.

Investment method # 1 - deposit

You replenishing the contribution, you work to increase it, and bank taking money, conducts a lot of operations that give him his benefits.

So, your contribution under 10% given for a loan with promissory notes to another client in 20 % and, exactly one year later, the returned money will make a significant difference (income) to this institution.

You can choose the most optimal deposit for yourself both independently and with the help of a consultant who is always guided by the offers that are relevant in a given period.

Another significant advantage such a method can be called deposit insurance, introduced recently in connection with the regular bankruptcy of credit institutions. Now your contribution is 1,400,000 rubles subject to compulsory insurance, and hence the return in any case from the state.

That is, if your investment amount exceeds this specified threshold, then you can split money using the services of several banks.

Despite such positive sides, there are significant minuses ... So, initially, for the invested funds, lowest percentage of all investment methods and can be from 0.1% to 9%, which varies depending on the terms of the proposal.

In addition, the unstable financial situation in the country leads to constant depreciation of funds(inflation)... But, even in this case, your small profit will allow you to avoid significant losses, while maintaining the capital at the same level.

Which bank is better to put money at interest in 2019 - expert opinion

When deciding for yourself which bank is better to invest your money in and where to open a bank deposit (deposit account), we recommend that you familiarize yourself with the TOP- 5 banks of the country, paying attention to the reliability rating of these banks.

A bank is safer if the state is the main shareholder (controlling stake). It is unlikely that the state will be interested in the bankruptcy of its own banks.

Reliable banks include, for example, such giants of the banking sector as Sberbank, VTB, Rosselkhozbank and some others.

So, the TOP-5 banks in which you can safely invest money at interest:

1. Sberbank;
2. Rosselkhozbank;
3. "VTB 24";
4. Gazprombank;
5. "Alfa Bank".

Bank reliability ratings change slightly over time. But the first 3 (three) jar are almost always in their places, since this large banks with state financial support, that is, reliability at the highest level in the country. Here you can select a deposit with replenishment, interest capitalization, and prolongation. You can read about that in one of our publications.

Method number 2. Investment in mutual funds

People who are a little familiar with stock exchange, shares, bonds and working with securities prefer to invest in mutual investment funds (mutual funds).

In fact, this combination only sounds complicated, but it has a simple basis. It represents collective investment of funds and their further management... All money is collected in a common fund and then channeled with the help of a professional manager according to the chosen method of use.

The principle of operation of mutual funds

V the majority our own, we ourselves very rarely own real information related to economic performance even the most successful organization. Therefore, the ability to acquire any security is enough, but to manage it competently is not.

Important! By investing money in mutual funds, we get the opportunity to acquire those stock, bonds, gold or currency, which fell slightly in price, but are able to gain their positions in the future, defining a good growth and a significant share of profits behind them.

To achieve such an ideal situation, specialists in investment funds must be well versed in the economy, not only at the level of their country, but also in the world as a whole. At the same time, it is important to master the basics technical and fundamental analysis, view news feeds and be able to properly respond to constant changes.

It is very difficult for an ordinary consumer to obtain a complex of such knowledge, and even more actively to dispose of it, therefore there is a need for the services of a specialist. This is the essence of investing in mutual funds.... You give your free funds to managers who have vast experience and good statistics.

Thereby, advantage investment fund in the fact that at any stage you are provided with maximum support and various options for investment, from which you can choose the most optimal.

There is no need to immediately plunge into all the subtleties and nuances, study the methods every day, it is enough to correctly entrust your funds. In addition, you can gradually thoroughly delve into the actions being taken, acquiring independently additional promotions the same organization.

It should be understood that the activities of any management company are constantly monitored by the state, and this is already confidence for you in honest cooperation.

It is precisely such harsh measures in the legal field that legal issues protect our investment rights as shareholders.

For the most part, a company that values ​​its reputation allows only trusted employees with a special certificate to manage the attracted contributions. It is also important that the amount of your initial investment is practically unlimited. It can start from 1000 rubles.

All available capital can be distributed initially between several mutual funds, which will allow you to create your own portfolio, limiting your share risks.

Following the logic, the situation turns like this: if even one investment fund exposes your money to risks and brings you lesion , then the other will help to recover the lost amount and will most likely provide income .

Even if the foundation is recognized bankrupt , then your property invested in this investment will be prohibited from being auctioned by law. If necessary, you can always demand the results of an independent audit, which is carried out daily. So, with the help of the registrar, the fund's own rights to the invested shares and all property are recorded. And annually, the accounting department of the company is audited.

The negative side such a method can be called one's own indiscretion, when a young unverified specialist, who takes up a case, “lets you down” and your expectations.

It is rather difficult to check its actions in advance, so there is a risk of losing the accumulated money.

The only right decision you may want to know a lot more about the mutual fund in which you plan to invest. Try to analyze the situation, look for reviews, read the forums, insure yourself.

Method number 3. Acquisition of real estate

Investment method # 3. Buying real estate (office, residential, etc.)

This method has always been the most effective way to invest money. It should be understood that the acquired real estate (apartment, etc.) almost never loses its value. We have already described how to buy an apartment profitably and, in a separate article.

Over the next few years, its value will gradually increase. Sometimes this happens in sharp jumps, often just a systematic increase, but always allows its owner to be in plus ... In more detail about, as well as pros and cons this method investment, we wrote in the previous material.

In addition, the purchased option can always be rent out, and this is already a way passive income which leads to further accumulation. Experts have noticed that for investment purposes it is best to purchase simple rooms or one-room small apartments.

An example of an apartment, having bought which you can rent from 20 thousand rubles per month in a large city

The rented space of two such objects is several times more expensive than one area, consisting of 2 rooms.

Also, a small square is easier to repair, giving it a presentable look, and furnish it with your own furniture. If we use the language of numbers, then renting the purchased room will bring us 10-20% per annum, which will maximize the return on investment through 6-8 years old, and after that the period of receiving net profit will begin.

But renting an entire apartment only brings 5-7% annual and this is a longer period for returning your funds. In addition, the existing method of daily renting of housing gives the most profitable prospects, but entails the need for constant work on search for living people, and repair, the implementation of which will become more frequent.

You will need to provide not only the best conditions, but also the prestige of the location of the room in the area. Investing your own funds in housing has the mass advantages ... This is stability, and the possibility of further residence and return of the invested money at any convenient moment.

It should be understood that sell property you can always. (How to do it quickly, read the article -? "). Plus, you can easily give your square meters, hand over them by inheritance or bequeath specific person.

Disadvantage such a method should be considered the high cost of the object and the difficulties in completing the transaction. So it is not always easy to collect the amount from 500,000 rubles, and even a loan taken from a bank imposes a lot of obligations on you. But having money on hand is not a guarantee of a successful result.

V modern world there are many schemes used scammers when selling a home. And your initial conviction may turn out to be a lie later on.

Therefore, vigilance is very important at the time of searching for premises, checking documents and working with lawyers.

For the types of real estate investment, see the video below:

Method number 4. Precious metals

Buying gold has become a very common way of investing. It is purchased in special bullion and, as a rule, is kept in the same banks, creating a special account.

Over time, prices for this instrument can, as grow and fall, but for the most part they provide the owner with a precious metal profit. It is not difficult to acquire it even on the day of the conversion itself.

If the transaction takes place in an impersonal form, then VAT in fact sales or purchases not charged. But the formation of metal into an ingot implies payment of tax value added in the amount 18% (VAT).

In addition to gold, it is actively sold silver, palladium and platinum... In fact, the entire income of the depositor is formed due to the growth in the cost of precious metals in the world markets. If necessary, accounts can be replenished in the monetary equivalent of the value of this investment instrument.

Closing the agreement, according to its terms, the bank has the right to give you not only financial resources, taking into account the increase in the amount, but also the ingots themselves. By the way, very often accounts closed ahead of time do not entail the payment of accrued interest.

Advantages of this method is that it protects savings from inflation, protects the owner in case of any unstable economic or political situations in the country. In addition, one can trace here high liquidity use, that is fast translation in cash, as well as a stable growth in their value.

Gold, as a precious metal, is always in price. The value of gold is subject to slight fluctuations, but it rises in value over the long term.

From disadvantages the need to create special storage conditions, purchase and sale produced only through banking system, and the increase in capital gains occurs at a slow pace.

In addition, there are a few basic rules to follow when working with this method.

First, it is important to purchase precious metals in the most favorable period. Try to spot the major decline in prices.

Secondly , it is worthwhile to understand that such investments pay off only in the long term.

AND, thirdly, starting the main steps, try to study the market in advance, understand the specifics of the production and consumption of each metal, and also analyze the forecasts of experts.

Obtaining gold gradually depletes its reserves, which allows the price to become more expensive after the expiration of the time period.

Method number 5. Business

Investment method No. 5. Business creation and development

The creation and development of your own business, as well as the acquisition of a ready-made project, involves special risks at the initial stages. In general, of course, the sphere of investing money is considered profitable, but it can be very difficult to achieve such a result. About that, we already wrote in our issue, where detailed instructions how to discover, what to look for, and popular business ideas are given as examples.

Important not only initially correctly calculate the amount of investments, staff availability, purchase of goods and other items of expenditure, but also take into account the lease of the premises, the traffic of the planned place, and even the cost of the average check, which gives reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt the original plans. it presence of competitors, unsettled relationship with suppliers, equipment modernization, changes in Russian legislation, and much more.

The advantage such an investment can be considered the possibility of joint ownership of a business, collegial management of it and the search for a niche that is weakly occupied by competitors.

Under such conditions, as well as competent business management, you can not only get a good income, but also be sure of its constancy.

The negative side such a method is called the absence 100% guarantees... As a result, your invested funds may not only fail to return, but will also impose special obligations to eliminate debts that have arisen as a result of activities.

Any area of ​​business requires special attention, constant work and personal dedication. You will have to either constantly monitor the course of affairs with the invested funds, or independently participate in them, achieving positive results.

In more detail and in detail about, we wrote in our last material.

Method number 6. Purchase of securities

Investing money in such instruments becomes profitable in the long run. Their main types in your portfolio are stock, bonds and Eurobonds.

Money investment method # 6. Purchase of securities (stocks, bonds, etc.)

Let's consider each purchase in more detail.

So " stock" Is a security that gives an opportunity to confirm its right to a share in the capital of a company. It allows not only to receive dividends, but also to participate in the management of the enterprise itself.

The main advantage such an acquisition can be considered a huge profit based on the growth of its price. The entire scheme of storage and control of such securities is now in in electronic format, therefore, it is very convenient to use.

Also, when working with securities, many companies open their controlled firms in offshore zones ("offshore"). we have already written in our previous issues.

Negative point experts cite the high risk of storing these instruments. Such an acquisition is done at your own risk. Nobody gives good guarantees of the success of such an event.

"Bonds" their owners increase their capital gradually. Its growth is taking place at a slow pace, but it makes it possible to become stable. In the general portfolio of securities, they are purchased, most likely, for diversification, that is, to expand the range.

They reduce the risk and are suitable for those users who can expect a long period of adding up the initial funds.

"Eurobonds" issued most often by corporations and government in par foreign currency... The initial bid for their purchase is 1000 dollars.

Main advantage this method of investment lies in the value of the difference in currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.

Flaw of this method is that it is very difficult to find the right stock or bonds to your portfolio. You will have to be sure to resort to the opinion of professionals and experts.

Only they, understanding the real economic situation of our country, as well as understanding all the nuances of work in this area, are able to advise and choose the most optimal solution for you.

Method number 7. Private lending (P2P lending)

Another method that is currently gaining widespread acceptance. This is a method in which money is provided to the borrower on special terms. It is important to draw up a contract correctly, evaluate everything risks and losses, study the personal data of the person with whom you have to work.

Your advantage consists in high profitability. Providing loan obligations from one individual to another for a short period allows you to get up to 50% per annum... But the disadvantages of this method are also serious.

There is a possibility that the borrowed funds will not be returned. Even a very careful search for borrowers does not guarantee their integrity.

Method number 8. Buying currency

This method of investment can be carried out both with the help of banks (banking institutions, branches, etc.), and by attracting brokerage companies for trading in foreign exchange. Forex market... One of the best brokers is " ForexClub".

If In the first case you just need to provide a document proving your identity, then in the second- a special agreement is signed, which may initially carry additional risks. In one of the articles of our magazine, you can familiarize yourself with the topics and what you need to pay attention to when.

That is why it is important to choose the right professionals with significant experience in this area of ​​work. The most popular currencies today are: U.S. $, Euro, japanese yen, Swiss frank, and British pound sterling.

The main advantages of this method, you can name some points.

At first , the increase in profits is achieved in 100% and more, which allows you to increase initial capital enriching themselves daily.

Secondly , if you know the dynamics of the growth of the exchange rate, then it becomes possible to protect yourself from inflation. You can independently choose a currency, determine its changes and predict further consequences.

Thirdly , the purchase for you is not limited in time. This process can be scheduled for any period of personal free time.

AND, fourthly by providing constant access to the Internet, you are independently able to control the situation, monitor the course change, and determine the effectiveness of your further actions.

Flaw with these advantages, there is only one - the unpredictability of the currency. In order to make the right decision, you need to closely monitor the changes, be able to correctly predict the behavior of quotes and try to bet on different kinds Money.

So, experts advise to instantly increase your start-up capital, make an investment in dollar or Euro.(we wrote soon in the last issue, where the advice and opinions of experts are given).

If your priority is safety of funds despite the difficult political environment, pay attention to pounds or Swiss frank.

Of course, their purchase is a more costly business, but this operation gives stability, because their position is more stable in the foreign exchange market.

☝ It has also been growing in popularity lately. We talked about them in detail in the last issue.

Method number 9. Investing in art

This is one of the stable ways not only save your funds, but also increase them significantly... For this, it is important not only to really understand art, but also to attend special events, selecting your future buyers.

This method has both many advantages and disadvantages. As you know, the art market has existed for quite a long time and everyone can become its participant, regardless of gender, age, and even religious prejudices.

The first and the most significant plus working with masterpieces is very simple purchase procedure works. There are no special formalities, licensing, special checks. The investor selects the future acquisition by catalog or by visiting the gallery itself. He is called the price of the canvas he likes according to the established price list.

If necessary, an expert is involved to confirm the authenticity of the work. Such a specialist can be provided both by the organization itself and from the circle of personal preference. The work you like is carried out with a purchase operation and handed over to the investor.

by the way, it is believed that investing in such sources becomes the most profitable in periods of crisis, wars or extreme situations... This is a kind of capital protection, which will ensure profit in the future.

But against the background of these advantages, one can distinguish a number of disadvantages ... Let's begin with that given market has low liquidity. Auctions are held with frequency 1-2 once a year, and the sale itself may take from 6 to 18 months.

In addition, the availability of buyers who can pay you the required amount is very limited and it is important to convince them of the importance of the purchase. Many credit institutions refuse their clients loans, even if they are trying to secure them as collateral with the very objects of art.

No piece unable to bring to its owner intermediate income, such as renting an apartment or buying shares, but the costs can be significant. The owner needs to ensure not only the correct storage conditions, but also insurance, protection, delivery.

In addition, it sometimes happens that the period of price increase is replaced by its stability and waiting for a long time the owner may just make a negligible profit... Even at well-known auctions and auctions does not exist 100% anti-counterfeiting... Often the staff of experts there is very limited and it is not physically possible to check all works of art purely physically.

Many experts advise to take this method of capital investment very seriously. Try to provide for yourself the best possible methods of checking works for authenticity, involve those employees who will give a guaranteed result.

It should be understood that only a canvas that has not been put up for sale for a long time and spent it in one collection has serious chances of increasing its value.

Method number 10. Internet projects

With the development of modern technologies, this direction is becoming more and more popular.

Way to invest money # 10. Investing in internet projects

It is based on 2 areas, which may be of interest to both a novice investor and an already experienced specialist.

At first, the worldwide network allows the creation of innovative web resources, which are regarded as startup... By the way, we wrote in our last article.

Secondly, you can invest in the creation of your own website, which will become the foundation of your business and on a regular basis will begin to bring additional funds.

AND, third, financing of those projects that seem to you the most profitable.

We will understand in more detail in each direction in order to understand how profitable it can become later.

In the first case you will need come up with an original idea, which will be able to interest the future buyer with its profitability. Having worked it out more carefully, it is important to understand even the smallest details.

Next, specialists are involved who are able to bring the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed according to which this business project is actually implemented and tested.

Your invested funds are returned back with impact . The amount of profit received in your hands entirely depends on the degree of elaboration of the created Internet site and its attractiveness for future owners.

Second case has a more common onset and is beneficial for a number of reasons. You can create your own business on the Internet even if you have a little capital.

You save on retail space, warehouses, staff, but you have the ability to access a wide range of users and implement implementation at a convenient time.

Investments in this type of activity less risky than starting a business in reality. But the development of such a direction and the increase of the initial financial sources entirely depends on your employment, interest and intentions.

The third way attachments funds through the space of the worldwide network is also associated with doing business, only people who are able to prove the effectiveness of their start. There are many sites where people post their projects with a specific description of the cost and level of profit.

Investing in websites. An example of selling a website from the Telderi exchange. The lot indicates the average monthly income and expenses and other information for buyers (investors)

They offer you to invest in it, promising a certain share of the shares, on which you can later receive income or raise money for their sale. Registration of such obligations takes place with a special type of contract worked out by specialists.

Investing in internet projects- this is the direction that should be studied especially carefully, because you cannot predict the result in advance. Of course, there are risks here.

And, perhaps, disadvantage such a method can be called unpredictability. Experts have calculated that 10 offers put forward for consideration only 4 able to become profitable .

Method number 11. Binary options

This is the most quick way making a profit from the invested funds. It is based on two components: ability to take risks and clear detailed study economic situation.

Method number 11. Investing in binary options

Your task is to provide a correct forecast for the price of the asset being used. For example, it is most convenient for a person to work with stocks. By purchasing an option on them, he bets on the fact that, for example, exactly one day later, their value will become significantly higher than indicated at the moment.

After the specified time, the result is evaluated. In the event that the assumptions are confirmed, the profit margin will fluctuate. from 65-85% ... This is a significant addition to the invested capital.

But do not forget that you may not guess. Exactly then is lost 80-100% rates... We have already written in detail about options in our issue - “What is and real reviews newbies ".

At first glance, it may seem that earning income in this way - just a game of chance... In fact, this is not the case. It is worth delving into the created system a little, and you will begin to make predictions more correct, and this, as a result, increases the chances of a favorable outcome of the bet.

Investing in binary options, it should be borne in mind that they have a mass advantages.

At first , those trading instruments, which will be offered to you, have a wide assortment and provide a huge choice. So anyone, even a novice investor, can work with both standard currency pairs and precious metals, stocks of various companies, oil and other assets.

Secondly , your level arrived and possible risk are predetermined. In general, it is possible to calculate in advance how much money will be obtained as a result of a positive outcome of the case and what can be lost if the situation is incorrectly resolved.

Some marketplaces offer their consumers to set the percentage of the future outcome on their own.

For example, by setting the numbers 80/70 , you lose 80% of the bet without guessing it, or you gain 70% of the initial capital.

Thirdly , any interested depositor is always provided with easy access at any time of the day. That is, there is no need to download and install additional programs, go through control levels or somehow confirm your individuality.

It is enough to go to the official website of the trading platform and you can track the results, place new bets, and analyze the situation. Plus, all trade continues. every minute, without interruption on weekends, holidays or at night. Thus, your desire to start making money on your invested money can come true at any second, you just need to find some free time.

AND, fourthly , the trading interface is designed in such a way that it will become intuitively understandable even to the most uninitiated beginner. All intermediate price fluctuations of the selected instrument are removed, giving only the final result for the time you set.

There are 2 main principles here: CALL UP - a buy trade (profit from a rise in prices) and PUT DOWN - a sell trade (profit if the price falls). Despite such a number of advantages described, it should be understood that binary options like any other type of capital investment can have some disadvantages.

Let's list some of them. So, the only failure you have made is capable of taking away up to 90% invested capital. And this is sometimes a very significant amount, and to get it back it takes about 3-4 successful transactions.

In addition, it is impermissible here in advance. interrupt transactions or abandon them... Even if you understand the fallacy of your actions, and the worsening forecast constantly confirms your guesses, you can only hope for a miracle, waiting for the final result.

Also, the program itself assumes the absence of credit obligations. That is, you can only invest free funds available to you. On the one hand, this is even good, because, as a rule, a novice investor enters into excitement and is able to spend more than he intended from the very beginning.

But, on the other hand, there are some types of transactions or the stability of the economic situation, when a positive result can be predicted in advance, and this can lead to significant earnings.

Only at this moment there is very little money in your account. Working with binary options is capable of not only save investment, but also significantly multiply them, you just have to correctly understand the situation and study in more detail the scheme of working with each tool.

Method number 12. PAMM - accounts

This is another way to manage your finances, which allows you to entrust your personal savings to a specialist. In more detail about how to open and choose a PAMM account for investing, we told in one of our articles.

Investment method # 12. Investing in PAMM - accounts

It is worthwhile to immediately figure out what is the difference between a mutual investment fund ( Mutual fund) and PAMM - account.

If in the first case the manager has full access to your funds and can dispose of them at his own discretion, without bearing responsibility even in the event of losses, then the second option assumes only the presence of a deposit, work with which can only be carried out by concerted actions.

PAMM account intended for trade, conclusion of transactions, but only in a technological way. Moreover, all the funds provided for investment on this account can not only be checked at any time, but also the actions of the manager can be stopped at any time.

The main advantages the contribution of money in this way are:

• Opportunity to earn substantial profits through the skillful actions of a specialist. As you know, such accounts provide access to the most profitable investments.
• Minimum investment threshold... Some of these accounts may start with an amount of 100 dollars and that is why they become not only attractive, but also accessible to a large circle of people.
• Full control . Thanks to the automated system, the account holder can easily and quickly analyze the actions carried out, and all calculations are performed automatically.
• Easy choice of manager... Throughout all work processes, not only statistics are published for each PAMM account, but also the history of operations, which makes it possible to easily view the current situation, contact your manager and, if necessary, replace it.
• Portfolio formation... As in the situation with mutual funds, the emergence of risks is always possible. That is why it is necessary to insure yourself by creating several accounts with different assets.
• Liquidity of operations... At any time, if necessary, you can not only enter your funds, but also withdraw them. The whole operation takes no more than a day, but it gives the owner confidence that there is control and even the most complex transactions can be stopped during their execution.

Method number 13. Investing in yourself

This is another way to invest money. It is considered very beneficial in the sense that even the smallest knowledge gained while attending courses can become a serious platform for further start.

In general, this type of money investment has 3 main directions.

1. Health

Even if it seems in their own 18 years, you do not have problems in this area, be sure that you will have them without proper attention. And how well you take care of him now depends on your condition in adulthood.

2. Appearance

This is constant work on yourself. In order for you to be perceived normally, you need to monitor cleanliness of clothes, own flavors, skin, fingernails and hair.

Of course, there is no need to constantly visit expensive salons and spend all funds on procedures, but making appointments when the external image looks like a fat greasy cat is also useless.

Try to get involved in sports in order to have a beautiful figure and a toned belly, watch your hairstyle, and even more unpainted hair roots, sign up for manicure and pedicure procedures.

Timely monitor the condition of your skin and at least purchase the necessary creams that help fight wrinkles, pay attention to your wardrobe. Try to choose good quality things for him in a strict business style. Do not forget to wash and iron your clothes on time.

3. Knowledge

The fulfillment of the first two main points entails further personal growth. Now it is important to read books of various orientations, scooping up something important for yourself.

Make it a rule to read daily. at least 50 pages ... Sign up for useful courses, trainings, visit presentations (for example such as - "", etc.), try to communicate with new interesting people.

If there is an opportunity to watch a training video, use it. Schedule a trip to another country or city, choose excursions with the help of which you can study history, various types of architecture.

Believe me, there is nothing educational about visiting a beach or a bar. It's also good to get into Museum , theatre , cinema ,Botanical Garden or even zoo .

Investing in yourself - this is knowledge, experience, skills, ability to apply the whole range of acquired skills in practice at the right time for you. It was not in vain that it was said by wise people: “You don’t carry knowledge behind your shoulders, and you never know what information will be useful to you today”.

7 principles of investing to make money 📋

We wrote above about where you can invest money with a guarantee, so we also suggest that you familiarize yourself with the principles of investing.

The basic principles of investing money at a high interest rate with a guarantee of income

Principle 1. Long-term perspective

Imagine a situation in which the market, which has become so familiar to you, simply closed and it was decided to resume its activity only after a few years. Where would the money be invested?

Try to think ahead without resorting to daily quotes, the sentiments of other investors, fluctuations in the cost of raw materials and finished products. So, for example, let's take the purchase of shares of a well-known company " Coca Cola". Even at the time of its conquest of the market, they cost 40 dollars.

The rise in the price of sugar in those years forced the price of the security to fall to its minimum. There was a stir, in which they were sold for almost nothing, but today we understand how profitable these purchases became then. Agree that this is a great example of where you can invest money to make money. Such a prospect may be offered to you by shares of another company, buying gold , antiques and even apartments .

Principle 2. Careful examination of the financing instrument

Before giving away even a small amount of your hard-earned savings, try to do a deep analysis of the chosen method. Chat with those who are already working in the field, consider their experience. This principle especially applies to areas such as mutual funds, work in stock markets, PAMM accounts.

Principle 3. Own opinion

It is not enough to have just information, even collected very carefully, it is important to be able to cut off all unnecessary and look at the perspective in the future.

Try not to succumb to an overwhelming opinion from the outside, develop your character, determining your bottom line and the result of investments.

Principle 4. Know how to stop

Sometimes it happens that work in one direction ceases to be profitable and there may be many reasons.

Consider other options, look for more promising investments, learn to close unnecessary pages.

Principle 5. Take your time

Making investment deals in the modern world, we rely mainly on the help of the Internet. It seems and more efficiently and faster... But this position is initially wrong. It is important to understand in subtleties and nuances, determine the outcome of the case and only then make a decision.

After all, the question of where to invest money at a high interest rate with a guarantee requires taking into account all the outcomes of the event (from receiving large losses to obtaining a decent income).

Principle 6: Choose Winners

It should be understood that even against the background of a difficult economic situation in the country, there are companies that show good performance and develop very steadily. The task of the investor is to find access to its shares and get them for the success of their business.

Principle 7. Think about tomorrow

This principle of investing means that even if you are very lucky today, you should not stop there, withdrawing all the money to buy expensive things.

Continue your business, look for new sources, tools, methods, collect your portfolio. Only this way of action will lead to a stable positive result.

5. Where to invest money to get monthly income - 5 useful expert tips 💡

We wrote above where to invest in order to receive income every month, so we also suggest that you familiarize yourself with the advice of experts who have experience in investing.

Since earning our money, we try to not only save, but also augment, and in a crisis, lack of stability and a difficult economic situation in the country, a feeling of fear arises, accompanied by a sense of loss.

So, expert advice on where to invest money in order to earn and not lose it:

Expert advice # 1. Try to minimize the risk for some of your investments as much as possible

Separate from the total amount of capital 30% and give yourself a guarantee that they will invested without loss. In this way, experts believe Bank deposit, purchase of art objects, purchase of gold bars, precious metals and real estate.

The main point of the advice is that with any further arrangement of affairs, you will be able to save the starting amount, and if possible, you will also make money on it.

Expert Tip # 2. Create Permanent Passive Income

If this is your principle, pay attention to buying stocks or bonds, and indeed securities in general.

By the way, even buying your own square meters, then leased out, will also allow you to receive a monthly income. You can read in more detail in our article - - ideas and sources of passive income "

Expert Tip # 3: Separate Investment Methods (Diversification)

It is important to understand that keeping all your money in a single project is very ineffective; diversify your investments. That is why, having ensured stability, try to find a profitable business area or become a co-investor in a business that, in your own opinion, will be very profitable.

Expert Advice No. 4. High-yield investment

For economical and thrifty people, this way of investing capital should be the most extreme, because in fact it is associated with great risks ... Your appeal to mutual funds or to PAMM accounts, and even more so binary options, will allow you to both instantly receive income and jeopardize the entire initial capital.

Expert Advice # 5. Check information

Before investing your money, you need to carefully and scrupulously study the investment object. To make sure that the expected profitability is correct, you may be offered to invest in an object with dubious profitability.

6. Where not investing money so as not to burn out - the main mistakes of investing 📛

Despite many warnings and a huge amount of information on the Internet, people who want to invest their own money make a number of mistakes that lead to an undesirable result.

The very first and most important the point is that newcomers give their finances at random, agreeing with the arguments of friends, relatives and even third-party representatives of the worldwide network. Of course, the probability of earning income still remains, but it goes down to a minimum.

The second mistake can be called an emotional state. There are often cases when, inspired by the example of a friend, a person tries to imitate his behavior, repeating each investment step, but without a clear calculation and well-thought-out prospects, instead of increasing funds, we get them loss .

Another wrong thing to do haste is considered. People are in a hurry in choosing an investment tool, as well as in the desire to pick up the first results. As everyone knows, profits don't grow on trees. That is why it must be expected. Give yourself time to understand the intricacies and subjects, learn to act in a planned way.

Real examples of investing money in order to make a profit - ways to invest from 100-500 thousand rubles to 1000,000 in order to earn

7. Where is it better to invest in order to earn - real ways + examples of investing a small amount of money to make a profit 💰

Even the smallest earned capital is already becoming an object of further thought. It is, as it were, a small door that opens the way for you to the world of big investment.

So, consider profitably starting from a small amount in 5000 rubles and ending 1 million.

For those who think to start investing, but do not know what. The service will select an investment portfolio individually, based on your answers. Take the test

Watched several webinars today on investing in 2018. Based on everything I heard and my own opinion, I decided to make a rating and offer you several options. In fact, in general, there are not many of them, I dismissed the cryptocurrency right away. They talked a lot about bitcoin, everyone tried to get their fingers in the sky. It was amusing how one expert was asked if Bitcoin could cost $ 50,000 in the coming year, he answered yes. Then he was asked if Bitcoin could drop in price to $ 1,000, he also said yes. At the end he added, but no one will tell you anything worthwhile now, maybe it will rise in price, maybe it will fall in price. In general, I studied a lot of analysts' opinions, thought and decided for myself that bitcoin is like elephants to me. It's nice to look at them, but I don't need my elephant.

Considering the conservative tools familiar to the common man, I selected the most popular ones for myself and thought it would be useful to make a short review on this topic. In short, stop chatting, let's get started.

Is it profitable to open a deposit in 2018

Deposit rates directly depend on the key rate of the central bank. The lower the key rate, the lower the deposit offers. Russia has taken a course towards a decline in this area, so it is not very profitable to open a deposit in a bank even now. If you believe the many assumptions of respected people, then the Central Bank will continue this decline, which means the interest on the deposit will be less and less attractive. I have always been against this method of investing, after watching a bunch of videos with expert opinions, I was convinced that I was right. None of them recommended this method of investing money.

Should you buy OFZs in 2018?

If the review is based on the principle of profitability, then OFZs will be one notch higher. There are already legends about how the Ministry of Finance competently manages the issue of bonds. Foreign investors are happy to invest in this asset. Maximum reliability. The profit is slightly higher than on the deposit, but in general, taking into account reinvestments, you can get 12-15 percent in a year. Given the current inflation rate, this is not a bad thing.

Accessing the bond market requires open a brokerage account , but this, I think, will not take long. Moreover, it is possible to open not a simple brokerage account, but an IIS, which will allow you to receive an additional 13% from the state for the entire amount deposited. If it does not exceed 1,000,000 rubles. Thus, by investing in OFZs in 2018, you can get 12% on them and 13% from the state. How do you like the idea of ​​earning 25% per annum with the lowest level of risk?

Where to invest dollars in 2018

A brokerage account is also suitable for investing in dollar assets. It opens in exactly the same way, just then an account is created in dollars and replenished, accordingly, in this currency. Now I'll explain why I think this will be the best way to invest dollars this year. The point is that none of the experts considers the correction in the American market to be an indicator of problems. Yes, it grew for too long, as I wrote earlier, there should have been a correction. It happened. There are no bubbles there at the moment. Meanwhile, it is not planned to strengthen the dollar against the ruble, so there is no point in exchanging rubles for dollars. But if you already own the currency, then now is the time to invest dollars in American stocks.

This will make it possible to capitalize on the growth of securities and receive dividends. On the whole, analysts' opinions were not at variance with mine. I still think that it is not very profitable for the owners of rubles to buy currency, it is much more profitable to invest in ruble assets. I will talk about this a little later. The experts said the same. If you have dollars - invest in American stocks, if you have rubles - stay on the Russian market.

Is it profitable to invest in shares of Russian companies in 2018?

When I first opened a brokerage account, the idea was to buy exactly Russian shares... It was later that I learned about the existence of OFZs, corporate bonds, access to the American stock market and began to run from one instrument to another. I wanted to try everything. I am still experimenting more. And if you look back, then my initial investment could bring me a really serious profit.

My initial strategy was simple - to buy promising shares and use the received dividends to buy new shares. My first purchases were Sberbank, Gazprom, Aeroflot, Magnit, Yandex, Lukoil, Megafon, NLMK. Profit per Last year, starting from today on these securities this is:

Sberbank + 58%

Gazprom - 4.61%

Aeroflot -21%

Magnet - 51.25%

Yandex + 53.81%

Lukoil + 10.75%

Megaphone - 18.80%

NLMK + 13.35%

The total return would have been 40.25% for the year. Add to this a few more percent of dividends. That's it. I withdrawn money from the brokerage account, I urgently needed it, then I returned part of the funds and continued working. I tried to invest in OFZs, did not want to take risks, bought corporate bonds, tried to buy shares and sell them with a small profit, tried to use credit funds broker.

And based on my experience, I can say that there is no need to run like a sheep in sakas. I bought paper and let it work, it makes a profit. Now I bought 20% of the entire portfolio of Magnit shares, as you can see, things are not going well with them, but in a year or two they will please me, I am sure. Yes, stocks are more mobile and can easily fall in price by 50%, but if you diversify correctly, that is, you have at least 10 unrelated stocks, in other words, represent different areas of activity, then the risk is minimal. And I have already told about profitability.

The best investments for individuals in 2018 - material of expert Natalia Smirnova for Forbes magazine

A few years ago, having a deposit in a bank was considered a sign of zealous attitude towards money. But the era when people wanted to save their savings has passed, and today even retirees do not consider deposits a serious investment in the future.

A downturn in the economy is depression and discouragement for only a few. For the majority, he still brings an emotional shake-up and makes them do what they used to be scared to even think about. In the midst of the 2008 crisis, the unemployed began to start their own businesses, and those who did not want to take risks and go into business mastered new professions. The 2014 currency crisis increased the financial literacy of Russians: many realized that, it turns out, they live in a world of currency fluctuations, which means that we need to think not only about saving, but also about increasing savings, and that there are a lot of tools for this.

The shake-up was not only experienced by the young. Realizing that even 1000 rubles can be successfully invested, the elderly, having carved out a small part of the money from their pension, began to master different methods of investment. You don't have to look far for examples: my 93-year-old grandmother bought bitcoin last January and quit it in December. She also opened an overseas brokerage account and is well versed in metal deposits. So, what is the best way to dispose of free money in the face of falling deposit rates?

Corporate bonds

Earlier, due to tax costs, investing in corporate bonds turned out to be not very profitable, and this partly explained the reluctance of people to go to financial market... However, in March last year, the State Duma introduced preferential taxation for ruble-denominated corporate bonds issued on January 1, 2017. You will have to pay tax only if the coupon exceeds the key rate of the Central Bank by 5 pp or more.

Bonds are one of the most popular, least risky and most affordable instruments in the stock market. Firstly, the threshold for entering this market is low: the minimum lot for ruble bonds is 1,000 rubles, and the threshold for entry for Eurobonds starts at $ 1,000. Secondly, you can earn up to 10% per annum on ruble bonds (if we are talking about securities of Russian companies).

In terms of reliability, bonds are in no way inferior to a bank deposit. This is a rather conservative tool that is especially suitable for a novice investor: if you buy bonds of a reliable issuer, and even with a fixed coupon, you can live peacefully until maturity, knowing exactly how much income you can count on. For example, Sberbank's three-year bonds guarantee an annualized yield of 9.71%, and the portfolio or part of it can be sold at any time without losing the accrued coupon.

Bonds have one drawback - they are not insured. If the issuer goes bankrupt, you can lose all your investments. Or if the company has a temporary shortage of cash, a technical default may occur. This means that at some point the investor will not receive a coupon yield and then they will agree with him on debt restructuring. Also, despite the fact that bonds can be sold ahead of schedule, this should be done only when the market situation is favorable and closer to the coupon payment date. Otherwise, early redemption of securities will result in losses for the investor.

Crowdinvesting

Recently, such a financial instrument as crowdinvesting is gaining momentum - collective financing of a business by a wide range of investors. In 2017, the total volume Russian market amounted to more than 1.8 billion rubles. Its leading participants are StartTrack (created with the support of IIDF), City of Money and Venture Club. If earlier large entrepreneurs with capital of several million dollars invested in business, today their ranks are joined by representatives of the middle class who have small sums in their hands - their own savings or annual bonuses.

So, one of the clients of our company, having received an annual bonus of 3 million rubles in 2014, did not know what to do best for her: invest money somewhere or pay off the balance on a mortgage taken at 8% per annum.

The loan had to be paid for another two years, the interest had almost been paid off. We advised her to invest in the business through crowdfunding (public lending based on money back with interest). A year later, the girl received additional income in the amount of 400,000 rubles and was able not only to close the mortgage loan, but also to make repairs in the apartment. If you conclude a loan agreement with the company (the same crowdlanding), you can get 20-25% per annum. Of course, some are afraid to invest in young companies, which is not surprising: the risk of such investments is an order of magnitude higher than when placing funds on deposits, even though crowdinvesting platforms conduct an examination of projects that attract financing through them.

However, even the most cautious person will take risks for such interest. Moreover, investments, as a rule, require small amounts.

Investors prefer to enter capital less often - everyone is worried about the liquidity of the purchased assets: it is not easy to sell a stake in a startup. Although, if you are absolutely not afraid of anything and believe in the company's success, in two or three years the investment can be increased by a factor of 10-15.

Structural Products

Anyone who does not trust their own intuition and rely solely on the opinion of professionals can purchase a structured product from a bank, broker or management company. "Structurka" (this is how financiers call this product for short) is an investment portfolio that is formed from two or more financial instruments: bank deposits, real estate investments, precious metals, securities and so on. The most common combination is options and bonds. Financial assets are distributed in such a way that the profitability of the risk-free part covers the possible losses of the risky part of the investment.

The threshold for entry into a structured product is high: at least $ 5,000-10,000 for a dollar-denominated product, and 100,000-200,000 rubles for a ruble product. At the same time, income according to the "structure", as a rule, is not guaranteed. It can be paid only under certain conditions laid down in the strategy. In structured products, they usually "sit" until the end (from one to three years), since this is not the most liquid instrument. On the other hand, if you are patient, you can get higher yields than bonds: for example, a structured product in euros can be with a potential yield of 4% per annum, and in dollars - 15%.

Dividend shares

The name speaks for itself - these are shares of companies that pay dividends. In rubles, income can be 13-15% per annum, and in dollars - 2-4%. If the company feels great in the market, painlessly goes through crises, the shareholder will receive regular income. And if the share has grown in price, then it is also an additional income of 10-15% per annum.

Shares are one of the most liquid instruments, as they can be sold at any time. But I often do not recommend doing this even in times of crisis (if, of course, we are talking about mature and profitable companies). In 2008, literally in half a year it was possible to lose 30-40% or more of investments. And yet, for many enterprises, the crisis is a temporary phenomenon; they will still survive the recession and market collapse. You need to psychologically tune in to this and be able to wait for recovery.

Real estate

A favorite investment tool for those over 65. However, those who choose this option should not rent out housing bought with a mortgage loan in Russia - the income from such investments may be lower than on a bank deposit. If you focus on real estate, it is better for commercial - for example, conclude an agreement with a company that manages apart-hotels. The yield on them can be 10% per annum.

I would also recommend the option of renting out a mortgage apartment abroad - for example, in Germany, where people prefer not to acquire their own housing to the last. The threshold for entering this market is quite comfortable - from € 30,000, and the average annual income is 6-7%, and money can be received on a monthly or quarterly basis.

For those who are calm about the concept “my home is my castle” and are in no hurry to make money on renting their own real estate, the best way- become a member of a mutual investment fund of real estate abroad, including the one traded on the stock exchange (REIT). In Europe and the United States, this practice is very common and enables shareholders to receive an income of 7-8% per annum.