What is a pay pass on the map. Paypass - what is it? How to use MasterCard PayPass? Where is PayPass accepted? Where can I pay with PayPass

A bank deposit (or bank deposit) is money deposited credit institution(bank) in order to receive income in the form of interest at the end of the deposit term.

There are many types and conditions of deposits. There are term deposits and demand deposits. In the first case, the deposit is made for a certain period and can be withdrawn completely without loss of interest only after this period. Demand deposits do not have a shelf life and are returned at the first request of the depositor, but the interest on them is significantly lower.

Contribution is an understandable and relatively reliable investment.

Opening a deposit is easy. To do this, you don’t even have to leave your home: many banks allow you to open deposits through mobile app or your site. Of course, for this you first need to become a client of this bank.

The main advantage of the deposit as a type of investment free funds is the insurance coverage of the Deposit Insurance Agency in the amount of 1.4 million rubles. Within this amount, you can confidently place your deposit in any bank that has a license from the Central Bank of the Russian Federation. If the bank bursts, the state will return the money along with interest on the day the license is revoked. By the way, since 2014, more than 300 banks in Russia have been deprived of their licenses, and their depositors have certainly suffered.

The disadvantage of the contribution is that, compared with the individual investment account it provides rather modest opportunities for increasing funds.

Individual investment account

Individual investment account (IIA) - type brokerage account or an individual trust account opened directly with a broker or trustee (for example, in a bank), for which there are two types to choose from tax breaks and certain restrictions apply.

The concept of "individual investment account" was legally enshrined on January 1, 2015. IIS can be opened by both individuals - citizens of Russia, and people who are not citizens of the Russian Federation, but living on its territory for more than six months a year.

The maximum amount that can be initially put on IIS is 400,000 rubles. During the year, the account can be replenished with an amount not exceeding 1 million rubles.

A big advantage of IIS is the possibility of obtaining a tax deduction.

It is paid in the amount of 13% of the amount invested for the year, but not more than 52,000 rubles. That is, with 400,000 rubles, and with 1 million rubles, you can return no more than this amount. This option is suitable for you if you have a permanent job and the employer pays taxes for you. There is another option - to choose tax exemption.

The main disadvantage of IIS is that, unlike a deposit, it is not insured by anyone. However, if you open it in reliable bank(has been operating on the market for a long time, is in the top 20 rating of Russian banks, there is no reorganization regarding it) and choose the right one investment strategy you can earn much more. In addition, in order to enjoy tax deductions, an investment account must be opened for at least three years, during which funds cannot be withdrawn.

How much can you earn on deposits and IIS

Let's compare how much you can earn if you make a deposit of 100,000 rubles and open an individual investment account for the same amount.

Deposit profitability

The weighted average interest rate on deposits for a period of one to three years in Russia as of September 2017 was 6.83% per annum. If we calculate income based on this interest rate, then in a year it will be 106,830 rubles. By reinvesting this amount, in two years you will receive 114,126.5 rubles, and in three years - 121,921.3 rubles. Net income - 21,921.3 rubles.

Profitability of IIS

Strategy 1: invest in government bonds

By opening an IIS, you can invest in such a reliable instrument as federal loan bonds (OFZ), the issuer of which is the Russian Federation represented by the Ministry of Finance of the Russian Federation. The yield to maturity of OFZ-26205 at the end of November 2017 was about 7.3%. Taking into account the tax deduction of 13%, the return on investment will be 20.3% in the first year. And for three years (the account is opened for a period of at least three years) average return will be about 11.6%. As a result, in three years you can get 138,504 rubles. Net income - 38 504 rubles.

Strategy 2: investing in corporate bonds

Another reliable and rather profitable strategy is investing in corporate bonds, the yield on which is slightly higher than on OFZ bonds.

For example, these can be bonds of Gazprom Capital and Rosneft. The average yield on the bond portfolio of these companies at the time of writing is 7.97%. If you put 100,000 rubles on IIS and, as a result, get tax deduction for one year, then after three years we will get an average figure of 12.3% per annum. By the end of the third year, the account will already have 141,020 rubles. Net income - 41 020 rubles.

By the way, for individual bond issues of these issuers, coupon income will not be taxed starting from 2018.

Strategy 3: investing in stocks

The biggest income can come from investing in stocks. However, this is also the most risky investment tool, because even if the shares of a company have shown growth over the past periods, this does not mean that this trend will continue in the future. Experienced investors advise investing in several types of stocks at once, so that a drop in the shares of one company can be offset by an increase in the shares of another company. This is called portfolio diversification.

The most proven investment is the shares of "blue chips" - the securities of the largest, liquid and reliable corporations. Among Russian companies these include shares of Gazprom, Sberbank, Alrosa and others.

If at the beginning of 2016 you had equally invested 100,000 rubles in ordinary shares of the three largest Russian corporations - Gazprom, Sberbank and Lukoil, the average return on shares of which in 2016 was 43.93%, then only for one a year you would have earned 43,930 rubles. To this amount, add a tax deduction of 13,000 rubles. It turns out that in just a year you would have earned 56 930 rubles. At the same time, growth over three years is much more difficult to predict.

Outcome

The deposit will suit more conservative and cautious people, probably the older generation. Opening investment accounts - for more risky people. This is not just a fashion trend, but good opportunity earn.

"Someone can sit in the shade today just because someone once planted a tree."

Warren Buffett

No matter how they say it, but investments are part of any reasonable person. In contrast to the primitive work on the system " worked - ate“Investing money can also bring income during the holidays, even if it lasts for decades.

Banal but true.

The question of where to invest money to make it work is relevant today more than ever, because everyone does not want to count pennies in line at the pharmacy in retirement, but to travel the world and enjoy life. But doing this on an existing pension is simply impossible.

If you think that you have a great job now, a lot of money and you can spend everything because there will be more tomorrow - this is not so. By not investing today, you are depriving yourself of the future.

After all, at some point you will not want or be able to work, which in this case will bring you income?

To begin with, we will show you an investment portfolio and its profitability, as an example of real numbers. investment profit for the last month, and then we will consider the types of investments separately.

Portfolio of successful PAMM accounts for the last reporting month — September 2019

PAMM account (number)	Profit Loss	% Manager
Moriarti (329842)	12,57%	25-40%
High Five MZ (408453)	2,87%	20-40%
Conservative up (399501)	4,96%	10-25%
Nightsell (408985)	41,37%	20-40%
F.I.T (420138)	-2,27%	20-40%
Greenspan (422791)	0,04%	20-38%
St_trio (436341)	9,43%	35%
CartMan_in_da house (427015)	6,52%	10-50%
Konkord stable profi (415171)	12,82%	10-20%
Kalsarikannit (416226)	15,73%	10-25%
DSV Jarec (337536)	19,57%	25-50%
EasyInvest (418593)	8,01%	20-50%
To-be (444256)	134,34%	20-30%
TAKE_PROFIT (409484)	23,74%	16-19%
SMART investment ltd. (423650)	58,36%	20-45%
Arslanov Fund (433604)	67,65%	5-40%

You can also add more aggressive PAMM accounts, exclude unprofitable ones in time and add new profitable managers.

Investing money in the stock market

In this article, we will talk about where to invest money with the greatest benefit.

Investing in stocks is the classic way to invest. The average yield here can be from 10 to 20% per year, but it can be much higher.

What are stocks on the stock exchange? This, in fact, is the foundation on which the world rests, because each of us in the bathroom has funds from Nivea, Johnson & Johnson, Gillette…, everyone has phones Apple, Samsung, Lenovo… there are computers in the rooms Acer, Asus, HP, on operating systems Windows; shop furniture IKEA and clothes in the wardrobe from Versace, Lacoste, Polo Ralph Lauren Corporation.

All we want to say is that we are all consumers of the products of private companies.

If you are looking for where to invest money, then the shares are great way to earn not only on the products of companies themselves, but also to secure a permanent substantial income. This is an interesting process that will teach you how to think like an investor, understand different markets, compare prices and choose the best.

How to invest in shares?

Everything is very simple, shares are traded on stock exchanges, and they are sold through special intermediaries - brokers. You do not need to travel somewhere, stand in lines, run around with documents... You can buy shares without getting out of bed. Register, replenish the deposit and buy shares.

• It is worth noting that well-known and already successful companies will not always be the best idea.

After all, it's not just about the name, but also about the profit. For example, capitalization Google about 500 billion dollars. Imagine What do companies need to do to double their growth?

And now let's take a small chain of clothing stores or restaurants, in order for their shares to grow by 2-3 times, it is enough to expand the sales market, open several new points of sale, and this is quite realistic to do within a year.

That is why some new startups and companies can bring not 20% per annum, but more than 1000%.

For the sake of completeness, we decided to show our example of earning on stocks.

We went to the website of a broker with whom we have been working for many years -. In assets, we selected Ferrari shares and clicked on the button BUY:

A few days later, the share price went up, as did our profit:

To make a profit on your personal account, you need to sell shares, that is, close our deal:

The results of the transaction can be viewed on the same page trading platform tab Deals:

Watch a video about investing in stocks from Robert Kiyosaki:

Investment benefits. Investing in stocks has been around for over 150 years. Every third American and every second Japanese owns shares in a company. And as you know, the pensioners of these countries are quite satisfied with their lives. Dividends and profits from owning shares can be received throughout life. Buying and selling does not take more than 10 minutes. You can start already from 200 dollars.

Minuses. Investing in shares carries the risk that the company may depreciate. But for this, it is carried out, an investment portfolio is compiled. In this case, even if one company loses positions, the remaining companies in the portfolio will provide the investor with a positive return.

The property

Real estate - the traditional way where can you invest money. It is difficult to say something new on this topic. We have included real estate in the list where you can invest for obvious reasons. Real estate is a valuable asset for any person. Real estate can be rented out, whether it is an apartment, office, garage or shopping center. Real estate, albeit not immediately, but rises in price, especially if it is purchased in a new area, where in 10 years there will be a fully populated and active center.

Although, of course, in today's realities, even for the next decade, the purchase of real estate in 99% of cases can hardly be called an investment. After all, the maximum that the majority receives - it is the safety of funds.

Advantages of investment. Reliable investment with minimal risks. With a skillful approach, you can extract a monthly profit before the final sale.

Minuses. These are slow investments that in most cases turn out to be just saving money and do not increase the capital of the investor, but, on the contrary, freeze it.

Startups

Startups are young innovative companies. Many people call themselves a startup not by offering something radically new, but by presenting new version « old". In reality, a startup is a company with a product that did not exist before. The same Google or once were startups, offering the world something that did not exist before. In two decades, those who invested in well-known start-ups at the beginning became millionaires.

Today, new companies are born in the world that have a chance for rapid growth.

How to invest in a startup?

The most profitable way is to wait for a confirming moment that the company is successful, really has a demand and will develop. We're talking about.

In the early days IPO shares companies can grow by more than 100%.

And you don't need to hold the stock any further, on the contrary, after the first days IPO shares need to be sold fixing profits, since more than 70% of companies do not withstand further expectations of investors and the market, and fall in price to a reasonable level, and in the following years they do not grow at all, of course, we are not talking about all of them without exception.

• Startups are an interesting way to make money on investments, because the growth of a company can be huge in a short time.

You can inquire about new startups, upcoming IPOs, analyze companies and invest in the best of them. One successful investment can pay back the losses of 10 unsuccessful ones many times over. It is these rapid rises that make this niche very profitable for investors.

Startup benefits. If there is income, then it will be high. You can invest both at the source and later on the company's IPO.

Minuses. You need to soberly assess whether the market is ready for the company's product and look at the numbers, not the presentation.

Binary Options

Binary options cannot be called an investment in the classical sense of the word, but still this is the most profitable investment money today. so simple that they have only 2 conditions - UP and DOWN hence the name - binary. The bottom line is that you choose an asset ( the same stocks, oil, gold, stock indices…) and specify the condition - whether the price of the asset will rise or fall.

• The term of the transaction determines the scope, for example, you have invested in a stock option with the condition that the quote rises for 15 minutes. If after 15 minutes the shares rise in price relative to the rate at the time of buying the option, you will receive a predetermined fixed profit in 70-80%! Moreover, it doesn’t matter how much the asset grows, only the condition is important - Higher, that is, growth can be at least 1 point.

Thus, you can earn not only on the growth but also on the fall of the price, using the DOWN option condition.

Among the assets of binary options, the most liquid stocks and stock indices, commodities and currencies. And this is very convenient, because according to these assets, news is released daily, which allow you to earn.

For example, tomorrow goes on sale new iPhone is a clear sign that Apple stock will rise tomorrow. Buy an UP option on Apple stock and earn a guaranteed profit.

Wondering what to invest in binary options possible on time from a minute to a month, while the amount of profit remains unchanged - within 70-80%, depending on the asset. Instead of a lot of words, we will show you how it works on the example of a broker:

1. Choose an asset. In our case, the choice fell on stocks Google:

Specify the term of the transaction, that is, the time of its completion:

AT this moment Google stock quotes are rising, while the price has touched the lower support line. We predict growth - enter the amount of investment and click UP:

We opened a deal for 10 minutes. At the appointed time, the option was automatically closed and the broker showed the results of the transaction:

At the time of purchase of the option, the stock price was 779.205 . In the conditions, we indicated that at the time of closing the option, the price will be higher. According to the results, she was listed at the mark 780.260 . Having invested $60, we returned $102, of which $42 was net profit:

Our growth condition was fulfilled and we got 70% profit!

Advantages of investment. 70% profit in 10-20 minutes is an undeniable plus. The ease and simplicity of the process makes this type of investment the most accessible.

Minuses. For successful investments, it is necessary to analyze the asset, use strategies, and other tools, not every person is able to correctly understand the market.

PAMM accounts

We continue the review the best options, where everyone can profitably invest money, and one of these options are. The creator of this opportunity was the largest broker in the foreign exchange market in Russia - which is regulated Central Bank Russian Federation and has a license from him to carry out operations in the financial market.

A PAMM account is a trader's account that investors can invest in.

Thus, a trader trades on the stock exchange not only with his own funds, but also with the funds of investors. PAMM account manager gives from 50 to 90% profit to its investors. An unlimited number of people can invest in a PAMM account, and the profit is divided in proportion to the deposits. For example, a PAMM account managed by more than 4 million dollars:

The broker provides full monitoring of the PAMM account, which reflects profit by day, week, month, transaction volumes, investment volumes and other data. Among many successful PAMM accounts, there are managers with more than three years of experience, that is, PAMM accounts have been generating profits for many years, and in general, this is not a novelty today.

In any case, PAMM accounts continue to bring good profits, the average profitability of an investor who has a portfolio of 10-15 managers from 50 to 100% per annum.

If you reinvest the profits, you can earn more 810% in just 3 years:

Benefits of investing. This type of investment has already proven itself with time and profitability. Amounts for investment are affordable for the majority of the population. You can withdraw money instantly at any time.

Minuses. AT portfolio investment there are practically no cons. It can be called a minus that some investors invest in non-professional managers with unstable trading.

Bank deposits

A bank deposit should be considered not so much an investment as a way to store money, allowing you to more or less protect them from inflation. Profit up to 10% per annum can hardly be called serious. Nevertheless, this option is still very popular among the population, even though banking system The country is going through hard times today.

Traditionally, investors have the greatest confidence in Sberbank, VTB, Gazprombank. They offer to place deposits at not the highest interest rates ( from 7 to 8%), but stand out favorably in terms of reliability. We do not recommend participating in long-term programs, even if they offer more profitable terms. The current situation in the sector is such that it is better to limit ourselves to "titmouse in hand". In any case, placing money in a bank is just a way to store it. If you are interested in investing, you should look for other offers.

“How many millionaires do you know who got rich by investing in bank deposits? That's the same."

Robert J. Allen

It's different if you invest through investment banks like Goldman Sachs. It is worth saying that investments there also do not bring a huge percentage, it can be the same 8-10% per annum and some risks.

Why is this being done?

It's all about the amounts. If you have $20 million, you won't put all your money in one Sberbank account, right? We all know about instability and the rules of diversification. Besides, Goldman Sachs, Barclays and similar ones can offer favorable conditions for the investor, professional portfolio management, etc.

Benefits of deposits Reliable and virtually risk-free.

Minuses. Low Interest, you can withdraw money under the terms of some deposits only after 1-3 years.

ETFs

If you are looking for the best place to invest in stock market, you should probably be interested in such an option as exchange-traded investment funds (). They represent a portfolio of assets, basically, as closely as possible repeating some stock index, for example, or. Thus, by purchasing one ETF share, you immediately receive a diversified portfolio formed by real professionals.

In fact, ETFs are the same mutual funds - you get a share in the portfolio (in an ETF it is a share, in a mutual fund it is shares), but there are a number of differences.

• As in a conventional mutual fund, it is professionally managed by a management company.
• If in mutual fund the size minimum investment established by the management company or the sales agent, then in ETFs it is equal to the price of one share.
• Also, you cannot sell shares from a mutual fund at any second, unlike shares on the stock exchange.
• Mutual investment funds themselves can have ETF shares in their assets, only in this case they take their percentage for this.

In short, ETFs have created a sensation in the stock market, being full-fledged portfolios.

An important advantage of exchange-traded funds is the ability to trade throughout the day. During this time, the price of ETF shares may change, while the size of a mutual fund share is calculated only once per session. Units cannot be bought on borrowed funds or in debt. For ETF shares, this is acceptable. Additional commissions may be charged when trading units of mutual funds. Work with shares of exchange-traded investment funds is exempted from such "extortions".

Where to find ETF shares? In the same place where all the shares are - on the stock exchange. Actually, the process of buying Google shares from ETF shares is no different. We described this process a little higher, where there is also a list of the best brokers.

Advantages of investment. Finished investment portfolios shares. There are thousands of ETFs with different portfolios. Reliable long-term investment.

Minuses. It is necessary to monitor the industry in order to sell in time if a decline begins, and as a rule, if there is a decline somewhere, then there is growth somewhere, that is, you can sell some ETFs and immediately buy others.

Art

If there is a desire not only to earn money, but also to get aesthetic pleasure from the process, we recommend that you think about purchasing art objects. Suffice it to say that the main buyers of such things are not passionate collectors and wealthy connoisseurs, namely financial market players. You don't have to be an expert at all. You can always use the services of competent consultants.

Paintings are by far the most common commodity. On average, the creation of a popular contemporary artist today will cost from $ 5,000. Over the years, the cost of a masterpiece can increase hundreds of times.

For example, Andy Warhol's Lemon Marilyn was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

It makes sense to acquire the works of masters of the second half of the last century - now it is them" time. Naturally, it is not worth counting on a quick return on such investments. In any case, you will become the owner of a valuable work of art, that is, a fairly reliable asset.

According to the statistics of gallery catalogs, even three-year-old paintings are already becoming more expensive by an average of 40-60%, as you understand, there are paintings among them with a growth of 1000%. As the auction houses explain, the increase in the cost of paintings is directly related to the activity of the artist. If he regularly exhibits at exhibitions, receives new awards, then with each such step his paintings can rise in price. by 100%.

Investment benefits. Very rich and developed personalities are engaged in investments in art. In addition, they can bring large percentages, especially if the artist is gaining popularity or even died.

Minuses. Long-term investments that require the advice of an art expert. It is advantageous to collect collections of paintings by one or more artists, which can be costly.

Investment in trading

Trading is an investment in yourself.

Now many will think that trading is money from speculation in the stock market, profit from the amounts invested in exchange assets ... But first of all, trading is profitable investment into yourself.

Many people say that investing in yourself is profitable. How? Specifically in numbers? Invest in education and get a job? It's a life, not an investment.

Unlike other jobs associated with preliminary training, trading provides unlimited opportunities where it is not necessary to have an economic education. The thing is, trading starts with personal preparation. You must be prepared psychologically, and everything else - matter of technology.

• Today there is no difference between financial analyst and the Internet user, since all information is stored and presented only on the Internet. It equalizes almost everyone!

In order to start trading, you need to read at least about it, draw up a plan of action, financial plan and start collecting information about the market and assets. Of course, not everything is so simple, but this is already the beginning. There are many examples when people earned millions in a couple of years and went on an indefinite vacation without worrying about anything.

Can a lawyer with three years of experience, or a doctor, or a manager boast of such success?

For example, the broker allows you to trade stocks, indices, commodity futures like oil, gas, metals, agricultural products, energy and others:

Why have we come to view trading as an opportunity to invest money? Because it is profitable, it is available to everyone, it is interesting and right here money is born. All banks are trading on stock exchanges, trade currencies, bonds and so on. So why invest in banks when you can earn money through the banking system yourself?

The benefits of trading. Unlimited opportunities to work for yourself, without a schedule and in comfortable conditions. Due to the vast amount of information about the markets, it is not necessary to have a financial education or special connections.

Minuses. Successful trading requires psychological preparation, a sufficient deposit to survive losses and overcome risks.

Individual investment account

Since 2015, a new concept has appeared in the legislation of the Russian Federation - individual investment account. By placing funds on such an account, you receive a guaranteed tax deduction 13% from the invested amount ( annually) or are exempt from tax on income received as a result of financial transactions.

Consider the benefits of placing money in an individual investment account:

• To open here, it is enough to deposit everything 5 000 rubles.
• The maximum amount that will be deducted - 400 000 rubles.

You can only replenish your account with cash. The broker offers four investment options.

1. If you just want to receive passive income, choose a savings strategy and you will be credited 5.5% per annum. Don't forget about the guaranteed 13% tax deduction.
2. Under the conservative option, the investor's funds will be invested in reliable, low-risk fixed-income instruments. This may additionally bring up to 15% per year. Such activity is recommended if the account has more than 100,000 rubles.
3. The optimal strategy can generate income up to 30% per annum, however, the risks increase significantly. It is worth using it if you have more than 250,000 rubles.
4. The most risky is an aggressive strategy that can bring up to 50%.

Individual investment account is an excellent alternative to bank deposits, where it is more profitable to invest money not only because of interest, because add to this the opportunity to invest in company shares and not pay income tax. It is also the best tool pension savings and long term investment. It should be remembered that a taxpayer can only have one. Funds from the account can be early withdrawn at any time, however, the right to a tax deduction in this case is lost.

Benefits of investing. A simple and easy opportunity to profit on financial markets.

Minuses. Not found. The program is supported by the state.

A small interesting social survey

Free money i...

Thinking where to invest * 15%, 883 vote

Convert to currency * 4%, 261 voice

Spending on entertainment 4%, 246 votes

I invest in my business 4%, 222 vote

Trying to save 3% for shopping, 196 votes

I invest in Cryptocurrencies * 2%, 137 votes

I invest in Bitcoin * 1%, 86 votes

I invest in Gold and Silver * 1%, 78 votes

I invest in bonds of corporate companies * 1%, 64 vote

I invest in education * 1%, 38 votes

* - added by a visitor

Poll Options are limited because JavaScript is disabled in your browser.

Where are you investing money?

I do not invest, but I am looking for options 33%, 1477 votes

• • Method number 10 - Bank deposit
  • Method number 9 - Precious banking metals
  • Method number 8 - Acquisition valuable papers on the stock exchanges
  • Method number 7 - Trust management, mutual funds and PAMM accounts.
  • Method number 6 - Investing in someone else's business project
  • Method number 5 - Open your own business
  • Method #4 - Create and Own Your Own Website
  • Method number 3 - Investing in real estate
  • Method number 2 - Engage in short-term lending
  • Method number 1 - Investing in the education of children or your self-education
  • A dubious way to invest little money: from 1500 rubles
• 4. Conclusion

This article will discuss how to invest small amounts of money, which, as a rule, the most ordinary citizen of our country has. There is an erroneous opinion that investments are the prerogative of rich people. This is a delusion; almost every Russian can invest small amounts of money.

The expression “money should work” has become quite popular and modern, especially on the Internet. However, it is worth noting that although this expression is popular, but only a few bring it to life. The reason is that most people face certain obstacles and do not know how to overcome them or do not want to cope with them.

The fact that you want to invest requires a certain amount of free funds and the absence of debts on payment cards, loans, and so on. If you still owe someone, then it is better to postpone investing - existing instruments, as a rule, will not give you income that exceeds interest rates on bank loans.

The most common problem - the presence of medium and small savings, because they are so small that it is difficult to invest in a worthy and profitable business project.

Therefore, the question arises - where to invest a small amount? Before answering this and other questions, it is necessary to create a solid basis for the accumulation of funds.

We decided to compile the top ten ways in which you can invest a small amount of money, while not only keeping your savings, but also increasing them.

1. Accumulation of invested capital

Start saving the minimum amount 10% from your monthly income, even if it is a couple of hundred rubles at the beginning. The amount can be more than 10%, but not less.

Even "ridiculous" at first, the money turns into a decent amount over time. To accumulate funds, review your expenses and give up various luxury items and other non-essential expenses.

Depriving yourself of everything will be wrong - you will not be able to hold out long enough. Read more about how to save and save your money in . There we painted - 10 ways to save money, even if you have a small salary.

Saving money to start investing

A very correct decision there will be a transfer of part of the salary to various special piggy bank accounts (it may be worth opening a deposit), such services are often offered modern banks. You do not see this money and do not have it, so there is no temptation to spend it.

Also an important condition for normal investment work there will be an NZ. Those. money covering your six-month expenses, the so-called "rainy day reserve".

Everyone can experience temporary difficulties, non-payment of wages, illness or loss of a job.

2. Where can I invest a small amount of money

Before investing money, you should always start by improving your own knowledge on the subject. Study the concepts and terms in the financial markets, find out what analyzes apply to securities (technical or fundamental), find reliable sources of information on the Internet (perhaps books, diaries of private investors) and constantly refer to them. (Cm.

Known all over the world investor Warren Buffett read over a hundred books on investing before the age of 20.

3. Where to invest a small amount of money - 10 reliable ways

Consider the main ways where you can invest a small amount of money, for example, 500 thousand rubles. Let's start with the method that brings the lowest income.

Method number 10 - Bank deposit

This type of investment is very familiar to everyone. However, he occupies only 10th position, the reason is too low income. Although the interest rate often seems tempting, the reality is quite different. Bank rate very rarely exceeds the inflation rate by 3-5%, sometimes not even reaching these figures. Accordingly, the illusion of income is created.

But despite all of the above, bank deposits have some significant advantages. Two of them stand out in particular:

• All deposits in the territory of the Russian Federation are protected by the state deposit insurance program. Therefore, even in the event of a bank failure, the state will compensate your losses. However, it is worth considering that sum insured less than 1 4 00 000 rubles, this amount already includes interest.
• You save your time, and it is always worth a lot. All that is required of you is to bring money to the bank and make a deposit, the financial institution will do the rest for you.

Method number 9 - Precious banking metals

Small savings can be invested in precious banking metals. Often this includes silver and gold, in rare cases there are others.

There are two ways to invest in precious metals:

• First, open an unallocated metal account (OMS).
• Secondly, purchase bullion of precious metals.

In the first case, the client does not "contact" directly with the metals, while in the second case, the client receives the ingots in his hands, using them as he sees fit. A significant advantage of buying bullion is that you can buy it in any weight, which in turn allows you to invest a small amount of money. Bar size starts from 5 gram.

Method number 8 - Acquisition of securities on exchanges

The yield from this type of investment is much higher when compared with bank deposits. But it is worth noting that at least a little experience is needed to acquire such securities. Therefore, before undertaking such a method of investment, it is worth paying attention to at least minimal training.

And besides, the unstable situation on the stock market can contribute to the depreciation of the shares of even very reliable enterprises.

Method number 7 - Trust management, mutual funds and PAMM accounts.

This investment lies in the fact that the investor entrusts his funds to brokers who combine deposits a large number investors in one impressive portfolio, after which they use the invested funds at their discretion.

Often these investments are used on stock exchanges and Forex. If we compare the purchase of securities and trust management, then we can say that the second method is much more reliable, due to the fact that professionals use your funds.

Method number 6 - Investing in someone else's business project

Given the fact that we are discussing where to invest small amounts, this option is suitable for investing in small business projects.

However, a logical question arises, what will happen if the business project " burn out Or will something not go as planned?

In this case, it all depends on how the documents were drawn up. Basically, a “burnt out” businessman returns the funds spent to the investor over time.

This may take from several months to several years. But it is worth remembering that the risks of losing everything are quite large. The reason lies in the fact that investor and entrepreneur, very often united by friendly or family ties.

Method number 5 - Open your own business

Although we can say that this is the most difficult option where you can invest small funds, but at the same time it is the most interesting investment. In this case, the risk of losing savings is very high, but if successful, the novice businessman will be fully rewarded.

It is worth noting that owning a business will take a lot of time and effort from a novice investor. Nevertheless, if it was not possible to put your own business on its feet, the acquired experience in running your own business will not be in vain. (We recommend reading -? Business ideas from scratch or without investments)

Method #4 - Create and Own Your Own Website

In a sense, this position is similar to the previous one. Your own website does not require a lot of investments. All you need is:

• invest in building a website
• pay for the initial promotion (website promotion (SEO)),
• open WebMoney wallet,
• register yourself as an individual entrepreneur.

However, it should be borne in mind that although it will not take so much money for all of the above, more than enough time will have to be devoted to this project.

See how to how easy it is to distinguish real ways earn money on the Internet without cheating from fraudulent schemes

Step-by-step plan from Andrey Merkulov

Dozens of ways to make money on the Internet in a variety of areas

Method number 3 - Investing in real estate

During the collapse of the ruble square meters become much more accessible. However, this investment instrument requires a professional approach.

Also carry out investment activity with real estate, preferably at the peak of the crisis. Determine the very bottom, only the pros can. Enlist the support of such a person in your environment. In this case, you can ensure yourself the likelihood of the most profitable purchase.

Method number 2 - Engage in short-term lending

If the 8 methods described above do not fit, or you have not yet made a final decision where exactly to invest a small amount of your funds, then you can lend your savings to your friends. But at the same time, it is worth considering that if you lend, even to your friends, at interest, you are violating the law of the Russian Federation.

It is worth noting the credit exchange WebMoney. With this platform, you can issue a loan without breaking any laws.

The main direction on this platform is short term loans. The rates of such loans are quite good, but there is no guarantee of return.

Method number 1 - Investing in the education of children or your self-education

One of the best investments where you can invest a small amount - self-education .

Investment in education always remains the most relevant and in demand. The reason is that neither age, nor profession, nor place of residence will interfere with you. You will always have the opportunity to improve your skills or learn a new profession.

But it is worth remembering that it is best to get the diploma that you can apply in reality. When choosing a new profession, it is also worth considering your attitude towards it, since it is always better to do what the soul lies in.

It is impossible not to mention the investment in the education of their own children, which is also the most profitable and long-term investment.

Doubtful way invest small money: from 1500 rubles

There are many different projects on the Internet that offer to invest money at high interest rates. We recommend that such projects (hype, various “multipliers” of wallets, etc.) be treated with caution and not trust them. Your task is where to invest and earn money, and not lose it. Therefore, make sure the reliability of the project (type of investment) and only then trust your money. We have described one of the examples of an incomprehensible method below.

Here is the text of the method that suggests high income from investing. The essence and purpose of almost all of them is the same, they all work on the principle of a financial pyramid.

“Determine for yourself an acceptable level of commission for investment intermediaries. It could be 2% , and maybe 5% in some cases. Add the commission amount to the amount you are going to invest - this will be your initial invested amount.

If you carefully consider the options, you can find companies that place your investments even without commissions.

Pay attention to hidden commissions, carefully read purchase agreements. It is best to choose not only no-commission options, but also those that offer discounts for reinvesting the profits. This discount can be up to 5%.

The main difference between these two instruments is that DRIP requires you to own at least 1 share of the issuing company, so DSP is more likely to be used by first-time investors.

You also need to constantly look for new funds with a low initial investment threshold. They usually use an automatic plan for investing and withdraw a certain amount from your personal account for deposits automatically. This is a fairly simple and inexpensive way to build your own stock portfolio.”

4. Conclusion

Let's summarize the question: "where to invest a small amount of money?". Even if you have 500 $ , you can use all popular investment methods.

But in this case, we recommend that you pay attention to investing in PAIs, mutual funds. stock and currency market. pay attention to index funds that operate in the "broad" market. The return on such investments will be about 10% per annum. By choosing a certain fund, you will be able to invest in the future without additional fees.

Don't try on short term price changes. This is the path to loss invested funds.

Only an experienced investor can afford to invest heavily in the securities of a particular company, while having a lot of other shares and investment deposits to diversify possible risks.

• Read the article by Andrey Merkulov -
• Download a step-by-step plan from Andrey Merkulov. Dozens of ways to make money on the Internet in a variety of areas
• Use ready plan from Nikolai Mrochkovsky. The Most Effective Real Estate Investment Strategies of 2019

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

From our article you will learn:

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

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

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

Where is it better to invest money in 2019: basic rules and expert advice

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

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

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

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

Option number 1. Buying foreign currency

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

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

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

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

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

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

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

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

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

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

Option number 3. Investing in startups in young Russian projects

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

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

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

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

Option number 4. Buying a farm for cryptocurrency mining

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

To come to grips with, you do not need to do anything complicated. First you need to register on any of the cryptocurrency exchanges, fortunately, there are a lot of them now. The most famous of these exchanges are BTC-e, Cex.io, IndaCoins, LiteCoin, LocalBoitCoins and others. The next step is to earn bitcoins.

The process of issuing Bitcoin cryptocurrency (from the English mining - extraction, receipt). Mining is the process of obtaining bitcoins, which is built on the solution math problems working with large datasets. In short, the essence of the work of the miner is to choose from millions of options for one and only correct code, which is called a "hash". For such a hash, you can get up to 25 bitcoins, given that the cost of one bitcoin today is 450 dollars.

Of course, bitcoin mining is a complex and long process, but the result is definitely worth it. You can also earn on the difference in its value in the market.

Option number 5. mutual funds

The abbreviation PIF means Equity Investment fund - a concept that is absolutely familiar to everyone who understands at least a little how the stock exchange works. People who work with stock exchange, as well as with stocks and bonds, very often mutual funds are chosen as an investment project.

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

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

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

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

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

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

According to research by Barkley, 42% of investors prefer to invest in completed construction and 33% in active construction projects. Despite the fact that at the start of construction, an object can cost 30-50% cheaper, only 7% decide to invest in such real estate.

Construction under wrapping just involves investing money in construction, which is at the start, and then, after construction is completed, sell this apartment for market price, thereby doubling or even tripling the investment.

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

But on the other hand, if everything works out, the profit will be truly large, and all investments will more than pay off.

Option number 7. P2P lending

Private lending, or as it is also called (from the English. Peer-to-Peer) is a method that, in last years is in high demand. essence this method is that the lender provides money to the borrower under certain conditions. Before investing in P2P lending, you should consult with a lawyer in order to draw up a competent contract. This agreement should clearly spell out all the conditions under which the loan is made, and should also indicate all the main financial risks that the lender may incur.

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

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

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

Work with foreign exchange market and , in principle, is considered quite profitable, but it should be remembered that relying on quick money won't have to. Investing in securities most often involves the acquisition of a portfolio of shares, bonds, and Eurobonds.

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

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

And finally, Eurobonds. Eurobonds are a type of securities issued by large corporations and government agencies in currency denomination. Minimum bet for the purchase of Eurobonds is 1,000 US dollars. The main advantage of working with Eurobonds is the exchange rate difference. This means that the owner at any time can profitably invest and sell a Eurobond and at the same time not lose, but even win on a percentage of the exchange rate difference.

Option number 9. Endowment insurance

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

Generally speaking, in in general terms scheme accumulative insurance can be outlined as follows:

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

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

Option number 10. Bank deposits

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

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

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

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

Where is the best place to invest money at interest in a bank with monthly income? Survey of interest rates and offers of banks.

In which banks to invest money at a high interest rate with a guarantee - TOP-10 profitable offers of banks + tips for making money passively

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

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

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

Bank #2: Rosselkhozbank, investment deposit

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

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

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

Bank #4: Bank Promsvyazbank, deposit "My income"

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

Bank #5: Bank Otkritie, deposit "Superpromo"

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

Bank #6: Bank of Russia, "Classic" deposit

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

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

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

Bank #8: Bank UniCredit Bank, deposit "For life"

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

Bank #9: Gazprombank, investment income deposit

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

Bank #10: Bank St. Petersburg, deposit "Rentier online"

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

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

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

Example No. 1: We invest 1,000,000 rubles and analyze profitability

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

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

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

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

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

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

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

An investment of 300,000 rubles is a sufficient amount to open a small business, which can bring a good income to the entrepreneur within the first year. If a person has free 300,000 rubles, the next step is, and this is very important step. When choosing an industry where to invest and not burn out, one should be guided not only by intuition, but also by conducting a thorough financial analysis and consulting with experienced investment specialists.

But offhand, there are several interesting ideas that can be implemented quite successfully, they are listed below:

• household goods . Household, or otherwise, household goods are always needed by everyone. If you find suitable suppliers, you can open, for example, a small online store selling household goods. Over time, household goods can be added Construction Materials, and it is also always beneficial.
• Kitchen furniture . Talented designers and carpenters will never be out of work, so if you have the funds, you can start fulfilling orders for the production of kitchen furniture. In order to open your own small workshop, you will need production room and a few workers. Over time, after regular customers appear, it will be possible to expand production.
• Food delivery. Food delivery services are a very convenient and necessary thing for many. The scheme of work is built as follows: you will need to collect a database of suppliers, these can be small cafes, snack bars, pizzerias, and then the user orders food through the delivery service, pays money for delivery. The advantage is the fact that it is not necessary to have your own fleet, it is enough to connect drivers or a taxi service to the system.
• bakery shop . Opening your own baking shop is also very interesting, but at the same time, it has its own difficulties. So, for example, in order to start working, you will need to obtain special licenses for the production of food products and permits from the SES, an environmental certificate, and others. But on the other hand, if things go uphill, it will be possible to gain an up-to-date client base, eventually make good advertising for yourself, and maybe expand.

These were just some of the ideas, and in fact, there are many more, you just have to look.

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

50 thousand rubles is not that much money, but even they, with a competent and thoughtful approach, can bring a good income. Of course, it is unlikely that you will be able to start your own business from scratch with such an amount, but invest in existing projects, or take an additional one - that's welcome!

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

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

• Services sector;
• Franchising;
• Network marketing;
• Dropshipping or direct supply system;
• vending;
• Infobusiness.

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

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

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

Conclusion + Related Video

In conclusion, I would like to say that no matter what idea is chosen or what project is launched, the main thing is to be patient. You should not wait for everything to come literally the next day, you should always remember that patience is the key to many doors.

Watch a video with an example of investing:

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