How to multiply capital in a short time. How to increase your capital with a small amount of money

The ruble is once again sliding down, and the currency soars in value. Money is pulled from under the mattress so that inflation doesn't eat it. We will tell you how to increase money without risk by investing it profitably.

How to invest and increase money

In a rather unstable economic situation more and more people are looking for ways to save and at the same time profitably invest the accumulated money. Let's take a look at the TOP 10 ways that will help in solving this issue.

Savings account

The easiest way to increase your money is to transfer it to a separate savings account. The main thing is that it should be indefinite, with capitalization and the possibility of replenishment. And, of course, the withdrawal of funds without loss of interest.

Such accounts are offered by many banks, including Tinkoff, VTB, Alfa-Bank, FC Otkritie. The rate on them is low, but it is compensated by the mobility in managing savings.

To accrue interest, the money must be kept in the account for at least one month.

Income card

In fact, this is the same savings account, only on a plastic card. You can go to the store with this card, pay on the Internet, withdraw funds. And interest will be charged monthly.

Many banks offer cashback in addition to this function. This way you can save on purchases, because from 1% to 5% of the money spent will be returned to the account.

For example, such income cards can be ordered at Tinkoff, Alfa-Bank, Promsvyazbank, Raiffeisenbank, B&N Bank, FC Otkritie.

Term deposit

The essence of the investment - you deposit money into an account on a certain period and get a fixed percentage at its expiration.

The rates vary from bank to bank, and the maximum you can earn is:

• if you invest money in a deposit on special conditions- for example, Immediately 7 from Alfa-Bank or In the game! from MTS Bank;
• if you issue an additional product, for example, a policy endowment insurance life;
• if you open an account online;
• if you belong to a preferential group of depositors - for example, Sberbank and Rosselkhozbank increase the deposit rate for pensioners.

The rate is influenced by the term of the deposit and the amount. The more funds you invest, the more more percent get it.

Do not forget that bank deposits are insured for amounts of up to 1.4 million rubles - but on condition that the bank has a membership in the DIA. Otherwise, the deposit does not protect anything, and you can lose your savings if the license is revoked or the institution goes bankrupt.

OFZ

One of the least risky ways to profitably invest and multiply money on stock market- to purchase federal loan bonds. There is only one risk of losing an asset - the state will default on its obligations. But even in the current dire economic situation, this is unlikely.

OFZ yield is determined by the offer, on average it is at the level of 7-8% per annum. You can earn extra money if you buy a bond at a price below par and wait for its maturity.

For example, as of August 13, OFZ issue 46020 was sold at a price of 880 rubles. If you buy it and wait for maturity in 2036, then in addition to the coupon yield of 8.27%, you can earn another 120 rubles from one bond.

OFZ can be bought through any Russian broker... They are traded on the Moscow Exchange.

OFZ-n

The so-called "people's" bonds are distributed only in Sberbank and VTB. Minimum amount purchases - 50 pieces. The value of OFZ-n is determined by the Ministry of Finance and is usually in the region of 95-98% of the nominal value.

For OFZ-n of the third issue, a stepwise increase in yield is envisaged - from 6% to 8.6%. Full coupon yield over 3 years will be 219.53 rubles at a face value of 1000 rubles, i.e. the total return on the instrument is 21.9% in three years or 7.3% in one year.

The disadvantages of OFZ-n, as one of the ways to increase money, are limited liquidity and high commissions. The advantages are predictable profitability, the possibility of bequeathing securities and super-reliability.

Real estate

"Square meters" have always been considered a particularly reliable way to multiply money without risk. And even now, when real estate prices are falling, this asset remains quite valuable and attractive in the eyes of investors. The reason is that the apartment can be used not only for making a profit, but also for personal living, i.e. it has value in itself.

Now that house prices have dropped and mortgage rates are at historic low, real estate investment is one of the promising areas of investment.

You can reduce costs even more if you invest in housing during the construction phase. But this increases the risks: unfinished construction, fraud, increased costs ...

Mutual funds

A balanced portfolio of mutual funds is ideal for investors with relatively small capital- literally 50-60 thousand rubles is enough to invest in 5-6 promising mutual funds and increase them.

Mutual funds invest in several securities at once within the same industry or country. This allows diversification to be achieved at an early stage. But you can reduce the risks if you invest in different mutual funds - bonds, stocks, industry and real estate.

In this case, you will not be dependent on the value of only one type of asset. For example, when stocks fall, investors go into bonds and real estate as defensive instruments.

If your portfolio contains mutual funds of different directions, then you will be protected from a variety of risks.

ETF

An exchange traded fund invests in a specific index, for example, the RTS or the S&P 500. Unlike mutual funds, ETFs do not imply active management, which allows them to save on maintenance. If, in the case of mutual funds, you pay 3-5% for management, then for the purchase and sale of an ETF share, it is enough to pay a standard brokerage commission.

Since ETF, forming the structure of its assets, strives to match the index as closely as possible, then its value also depends on the price of the index. As practice shows, indices grow over the years - therefore, the price of ETF shares also increases.

Additionally, you can earn on receiving dividends.

Structured products with capital protection

They consist of two parts:

• basic part - funds are invested in deposits or OFZ;
• risky - money is invested in a speculative asset.

For example, 95% of funds can be invested in OFZs, and 5% in Coca-Cola shares. If, after the expiry of the agreed period, the shares grow up, then the investor will receive a large profit - how much depends on the terms of the contract. If the shares fall, then the investor will receive only the planned income - for example, 6% per annum.

The larger the base part, the lower the potential income, then the lower the risks. The investor's job is to find a balance between risk and return.

Endowment life insurance

If you are determined to save up a tidy sum using a risk-free method, apply for an NSJ policy. For the duration of its validity, you will receive insurance coverage against various troubles, including disability or death (a specific set of risks is determined by the agreement).

Part of the funds transferred by you towards the payment of the policy will be invested management company into low-risk assets. If the insurance expires and you never use it, then you will receive this money back plus income.

The NSJ policy is both an investment and insurance in one bottle. And no risks.

Conclusion

Thus, even in an unstable financial time, the market is full of proposals on how to invest and increase money without risk. The main thing is to choose what is right for you, based on the minimum entry threshold, potential profitability and your understanding of how this instrument works. With the help of such assets, you can significantly increase your savings without unnecessary risk.

Most people do not know how to multiply money in order to earn and get a good return on their capital. In this article, we'll take a look at 10 ways on the topic.

Hello, friends! With you Alexander Berezhnov - one of the authors of the business magazine HeatherBober.

This is part 2 of a series on increasing your capital.

You can independently create such a project and monetize * him and become a start-up investor * ... If an Internet project has already been launched and is consistently profitable, you can simply invest your money in it, becoming its owner.

Project monetization- the actions that the owner of the project takes to start making a profit from it. The term "monetization" is most often used for Internet projects. For offline projects, the term "commercialization" is often used.

In this case, you buy a ready-made business with an established income.

However, remember that if you do not understand anything about Internet projects and technical nuances, then you will definitely need an assistant to manage the project. He is called the "project manager".

This is a kind of hired director of your business. The project manager can either single-handedly perform all the functions to ensure the viability and development of the project, or form his own team of assistants if the project is large and requires the participation of specialists of different profiles.

You can create and promote your project, and then sell it, or vice versa - buy the project as a ready-made business.

You can buy and sell your Internet project on the well-known exchange telderi.ru

Investing in the Internet is another powerful way to understand in practice how to multiply money and make it work for you.

Pros and cons of making money on your Internet project

Pros:

• High return on small investment. With an investment of 100,000 rubles, in 6 months such a project can bring you from 10,000 to 50,000 per month in the form of passive income.

Minuses:

• Requires special knowledge or the cost of skilled professionals.

Method 7. Position as an object for investment

I don’t know about other countries, but in Russia the position is definitely one of the best objects for investing their money for some people.

It is regrettable now to write about this, but this is a whole multi-billion dollar market, since demand creates supply and there are people who are ready to buy "grain" places in order to get rich quickly on them in illegal ways.

Attention, I do not urge anyone to consider the position as a way of investing and I myself have a negative attitude towards this method!

It's not a secret for anyone that in the power structures, government institutions and even in some commercial firms the position can be bought for a certain amount of money.

Then, at this point, you need to beat off investments - take bribes or openly engage in theft, "sawing" budgets or providing "services" within the framework of their competencies.

Pros and cons of investing in job purchases

Pros:

• The ROI starts from the first day you take office.

Minuses:

• The risk of running into criminal prosecution, constant mental anxiety.

Method 8. Relationships with others

Reviewing this method, I want to start a topic about direct or indirect investment in yourself.

After all, an investment can be called any investment of any resources in order to obtain dividends* .

Dividend- return on investment in the form of interest for the period.

And dividends can be both financial and temporary or social. In a word, gentlemen, let's think wider and not dwell only on thoughts "I put my money in there - I got even more money".

If we invest not only money, but also time, periodically delighting our relatives, loved ones and friends with gifts, then sooner or later we will become a treasure for them, we will get their favor, and believe me, this will also help you earn money.

Do not neglect this way to increase your social capital, because the relationship is much more valuable than money, and it’s not interesting to somehow live alone in a big golden castle and lick your Mercedes if no one needs you.

Pros and cons of investing in good relationships with people around you

Pros:

• Improving self-esteem, building the right connections.

Minuses:

• It requires not only money and time, but also versatility, the ability to communicate.

Self-esteem plays a huge role in our life. Be sure to read our article about how - I am sure you will like it very much and you will take a lot of value for yourself.

Method 9. Health and beauty

Do you know that beautiful people are statistically more successful than ugly people? This is common psychology. After all, everyone wants to communicate, make friends and start relationships with pretty and outwardly attractive people.

Health in this case is the foundation of beauty. Moreover, beauty, both external and internal, when it comes about charisma, intellectual and creative abilities of a person.

Be sure to invest part of your funds in health, appearance and neatness. Don't neglect this!

« They are greeted by clothes, but escorted by the mind"- proven folk wisdom!

Do not skimp on quality food, if possible, delegate all routine and dangerous matters in order to be in good shape and not expose yourself to unnecessary risks.

Buy a subscription to a pool, gym or yoga club, buy yourself sports equipment for classes, all this is regarded as a highly effective investment in yourself.

Pros and cons of investing in yourself

Pros:

• One of the most win-win investments that will pay off many times over a lifetime.

Minuses:

• Not found.

Method 10. Own name and reputation (personal brand)

Once I heard one wise expression and I liked it so much that every day I try to follow it:

Make yourself the kind of name that earns you everything else!

In the world of business and finance, we often hear that such and such a person is not very reliable, but the reputation of another is simply iron.

This is one of our main social assets. More often than not, trusted people are trusted with large projects and big money, and as a result, the income of such people is much higher than the average.

Remember the names of great people: Steve Jobs, Henry Ford, Thomas Edison, Leonardo da Vinci.

All of them are brands in themselves, when we hear their names, we involuntarily admire what they left behind.

That is why millions of people dream of becoming famous and recognizable, because fame, fame and money are of the same berry.

Do something every day that will add value to your name - your personal brand.

Be honest with business partners and clients, do not be late for meetings, be punctual and proactive in your business.

So, step by step, day after day, you will notice that you are being asked for advice, offered you good money for your knowledge and skills, and invited to speak at events.

These are all early signs that your name is starting to work for you.

Do not stop and then in a few years for just the mention of your person, you can get thousands of dollars.

Pros and cons of investing money in your reputation (name, personal brand)

Pros:

• Pays off consistently throughout life.

Minuses:

• It takes a long time to work and is easily lost if mishandled.

4. The most profitable investment available to everyone

Having considered the last 3 methods, we can conclude that the most profitable investment in all respects is investment in yourself.

Our health, appearance, emotional state, intellectual level - this is the foundation for obtaining superprofits in the material world.

Every day, without exception, the first thing you should ask yourself is: "How much have I invested in myself today and what will it give me tomorrow, in a month, a year, in 10 years?"

Whether we like it or not, the world is ruled by the law of cause and effect, it is also often called the law of the boomerang. This law states:

“Everything that we did or didn’t do, sooner or later will bear fruit. Moreover, the more systemic our actions or inaction, the faster we will receive these fruits ”.

Investing in yourself has one undeniable advantage - you will never lose it. Every penny invested wisely in yourself will give us a thousand dollars in profit in the future!

5. Conclusion

In this article, we looked at 10 ways to invest in order to multiply them. Some of the methods are not as obvious as, for example, investing in a bank, but all of them, without exception, will never lose their relevance.

Along with investing in various financial instruments, we realized that best investment is an investment in yourself.

Together with other investments in tangible or intangible assets, investing in oneself gives any person amazing results, which are becoming more noticeable every year.

Finally, watch an inspiring video about how a guy became an Olympic deaf champion (without a hearing from birth)

I wish you a profitable investment and great personal victories!

Surely almost every sane person dreams of financial independence and material well-being. Who among us has not asked the question: "How to increase money?" Of course, there are none. However, for some reason, not everyone succeeds in achieving the goal of attracting wealth. Maybe there are some rules or laws that answer the question of how to increase money?

Are there laws to attract money?

Statistics show that the main money supply concentrated in the hands of only 20% of the world's population. Why is it that most people are forced to be content with the essentials, and only a select few can afford to own yachts, expensive cars and luxury apartments in the "paradise" of the globe?

The conclusion suggests itself: wealthy people are well aware in theory the question of how to increase money and are able to apply in practice the laws of their attraction, while competently managing financial assets. Naturally, their capital increases every day.

Perhaps not everyone can believe in this, but each person can, through self-development and positive thinking, eventually begin to think like a rich person and find the same financial independence.

What is the basis of the thinking of a wealthy person? Let's list the main factors.

Attitude to finance

Those who are haunted by the question of how to increase money should understand that in order to gain financial well-being, you need to change your own attitude towards “crispy” banknotes. You need to learn to love them a little more and be even more scrupulous to them. Buy an exclusive wallet, transfer your cash to it and use only it. Avoid wrinkled or crumpled bills in your new wallet.

There is a belief that money is most often started up by those who carefully put cash in their wallet, smooth out bills and at the same time often count them.

Think like a rich man

Don't know how to save and increase your money? First of all, you must learn to think differently. Your entire subconscious mind should psychologically tune you to the fact that you have already found financial well-being, even if in reality you are only on the way to this. It has long been proven that our thoughts are material and that what we wish for ourselves will eventually come true. Think more about the good: thank fate for the happy moments in your life, enjoy every new day that is presented to you.

Habits

There is one more little secret on the way to how to save and increase your money. You need to get rid of some of your habits that you have acquired in the past. These include, in particular: "I live for today." In other words, some people prefer to spend all their money "here and now", not saving it until tomorrow. As a rule, such people almost never have money or very little of it.

It will not be superfluous in certain situations to learn how to save. If there is no urgent need to buy certain things, then, of course, these extra expenses can significantly reduce the burden on the family budget.

Avoiding spending on tobacco and alcohol will also help improve your financial situation. This is the only way you can decide how to increase your money.

Conspiracies, discovery financial flow and other types of business magic will not help here.

Also, make it a rule to set aside some of your income - at least this amount should be 10% of your earnings. Initially, the amount of your savings will be small, but after a year on your bank account will be sufficient decent amount of money.

Investments

Remember that money should not lie under the mattress as a "dead weight" - it should accumulate financial resources... For this, capital must be invested. In other words, you need to acquire financial assets that will bring you stable profit in the future.

However, for those who think: "How to quickly increase money?" it will be interesting to know that investments differ in the degree of riskiness and the amount of profit. The higher potential income has investment project, the more risky it is.

Enrichment methods

There is currently a whole arsenal of financial instruments through which you can accumulate capital.

Starting your own business

In order to gain financial independence, many are engaged in entrepreneurial activities. Again, it should be emphasized that it carries certain risks. In most cases, to open a business, you need to apply for a loan from a bank, so you must calculate in advance on paper all the prospects of your entrepreneurial activity and draw up a detailed business plan.

Bank deposit

Is there still a way by which you can solve the problem of how to multiply money correctly? Of course, yes.

Many people prefer such an investment tool as bank deposit... You open an account for a specific period, during which you will be charged interest every month. In this regard, an interesting question is: “How to increase money in Sberbank? In this financial institution today there is a wide range of deposit programs, differing in terms of storage of deposits and the size of interest rates. The longer the bank uses the attracted funds, the higher the size interest rate.

For enrichment, some of the bank's clients buy a Savings Certificate, which is equivalent to a security. It can be quickly and profitably implemented in the future, as well as pay for a number of banking products. Denomination savings certificate different - 1.10, 50.100 thousand rubles. The minimum period of time after which interest is accrued is 90 days, and the maximum is 729 days. The interest rate depends on the value of the certificate's face value and its storage period. The above security can be kept in banking institution, in this case you will be given a security certificate.

Purchase of real estate, land, collectibles and precious metals

Real estate and land... If they are rented out, then they will bring a fixed profit. It is profitable to invest money in gold, because this product has always been considered expensive at all times.

Some businessmen have learned how to make colossal profits by investing in investment funds and acquisitions valuable papers... However, it is very important here to calculate in advance all possible prospects for the development of events.

Life insurance

It is also an effective investment tool. In most civilized countries, the pension is formed thanks to the existence of life insurance policies.

This document ensures a comfortable life after a person independently decides to go on a well-deserved rest, and not after this opportunity is provided by the state.

Conclusion

Before choosing one or another investment tool, you should study all the pros and cons of each.

If you are determined to find financial well-being, then you should always remember the share of responsibility that is incumbent on you in connection with such a decision. For all the successes and failures in investing, you will only ask yourself.

Many people, completely without thinking about the question of the availability of capital, begin to calculate their material resources- money, apartments or cars. In fact, not only this can be attributed to capital. After all, capital can be good relationship and children and their own health, that is, intangible values.

Therefore, thinking about how to increase the capital that a person has, you need to understand that this can be done, in fact, in just two ways - by investing in yourself and loved ones, that is, in the intangible sphere, or by investing in tangible assets, that is, in shares , business and the like. Let's take a closer look at the options for increasing capital.

Financial plan

As with any other business, to the question of how to increase your capital, having small amount money, you need to approach thoroughly and planned. This requires financial planning.

To make a plan, you need to decide on your expenses and income. If necessary, optimize both the first and the second. Then it will become more clear to you how much money you have in order to invest.

Capital multiplication methods

With the theory sorted out, let's finally move on to the practical side. There are actually a great many ways, we will consider the most interesting of them.

Buying precious metals

This way to increase and save money has been used by people since ancient times. Everyone understands well that money can depreciate due to inflation or problems with the state itself, but precious metals, gold, platinum, silver are always highly valued.

Even paper money is valued the more, the more secured it is. gold and foreign exchange reserves the state.

There are several ways to invest in precious metals:

• buying bullion;
• opening of "metal" bank accounts;
• investing in futures.

With the first investment method, everything is simple - you go to the bank and purchase an ingot of the selected mass. Moreover, you choose the size of the ingot and the metal itself depending on the amount of funds that you plan to spend on this investment.

The second method is less known to a wide range of people. A "metal" account is an account opened in a bank in the name of a client, on which the purchased person is listed a precious metal... At the same time, there are no identifying signs of the metal - the manufacturer, sample and serial number are not indicated.

A precious metal futures is a contract to buy a portion of a shipment of metal. Moreover, this batch has not yet been delivered, that is, in reality, you can hold the metal a little later.