Which company is better to invest money in. Where to invest money, or the most profitable investment

When a large and free amount of funds appears, many people think about different possibilities for increasing it. To do this, you can use different investment methods. They involve investing money in business, bank deposits, PAMM accounts, cryptocurrency, real estate or other projects in order to get high profits. If a person has never invested money, then he has a question about how to invest correctly. The procedure depends entirely on what amount is used for this, what experience and skills a citizen has, and also where he plans to invest.

Investment concept

The process involves investing money in a chosen project in order to make a profit. This helps to increase the initial capital.

It is important not only to figure out where you can invest money, but also how to invest correctly in order to reduce risks and get a high income. The risks differ significantly when dealing with different projects. Bank deposits are considered the most stable, but they offer a low income that covers only inflation. If you invest in cryptocurrency or PAMM accounts, then you can count on high profits, but at the same time there is a risk of losing all invested funds.

Where to get the funds?

Before choosing an investment method, you should decide where the money will come from for these purposes. Many people, thinking about where to invest money correctly, act rashly, as they try to get income as quickly as possible. They arrange loans, borrow money from relatives or mortgage their property. Such actions can lead to negative consequences if the investment does not bring the proper profit.

How to invest correctly? To invest successfully, consider the recommendations of the professionals:

apply only own funds, deferred from salaries or other incomes, which are not urgently required for various purposes, and their use will not harm the family budget;
at first it is necessary to rely exclusively on the available sources of income, since at first investment almost never brings high profits;
it is advisable to start with small amounts in order to understand the rules and nuances of generating income and reducing risks;
in the first year, all funds earned are directed to increasing the capital used for investment, which will create an interesting and profitable investment portfolio;
the profit received must be monitored, which allows you to understand how different earning schemes work.

If you figure out how to start investing correctly, then you can get a really significant income with a small initial investment in a few months.

Where to invest money?

The main question that arises for novice investors is related to the choice of the direction of investing money. It is impossible to say exactly where to invest money correctly, since each method has both pros and cons.

It is advisable to focus on projects in which the investor is well versed. It is recommended to start with the least risky schemes, and after studying already risky projects, try more interesting investments.

Bank deposit

This investment is considered standard and not very profitable. It is as follows:

a bank is selected for cooperation, offering the highest interest on the deposit;
a program is selected according to which it is not allowed partial withdrawal or replenishment, as in this case the most will be offered high percent;
the corresponding agreement is concluded;
money is frozen in the account for a selected period of time;
after the expiration of the term, funds are issued with accrued interest.

It is almost impossible to lose money through deposit insurance, but all the same, you need to choose only reliable and profitable banks for cooperation. But even when choosing the most high stakes there is no reason to count on good profits. Usually it covers only inflation, so it is difficult to call such a method of investment.

Investing in currency

People who think about where to invest correctly often choose to invest in currency. The procedure consists of the following steps:

banknotes of popular currencies are purchased;
a foreign currency account is opened in the bank;
due to the growth in the value of the currency, profit is obtained.

This investment has many benefits. This includes the fact that you can get started even with a minimal amount of funds. Selling and buying currency is a simple process, and the invested funds are not lost. If you are well versed in politics and economics, then with the right choice of the moment to buy currency, the profit can reach 60% per month of work.

The disadvantages include the high risk of investing money. In order to properly invest money in foreign currency, you should study the dynamics of rate changes, assess possible prospects and check the forecasts of experts. Additionally, you have to transfer a high commission to the bank.

Buying a property

If a person wants to save money as much as possible, where is it right to invest money? If an investor does not want to understand the specifics of economics, politics and investment, then he can spend money on buying real estate. Even after crises, the cost of housing is constantly increasing. The process involves the purchase of housing at the first stage of construction, and after the commissioning of the house, the apartment is sold. The profitability can reach from 30 to 60%.

The pluses include low risk and good profitability. The downside is that apartments are sold for a long time, and there is always a possibility that the developer will declare bankruptcy.

Buying gold or precious metals

The demand and prices for gold are constantly increasing. If the investor does not want to engage in risk assessment, buying and selling various stocks or bonds, and also wants to make a profit after a sufficiently long period of time, then an investment of funds that involves the purchase of gold is chosen.

The investment process is to buy precious metals in bars or coins. Additionally, you can use non-personalized metal accounts. The profit will be received when the price of gold changes.

The advantages include the reliability of the investment, as well as the guarantee of making a profit. The disadvantages include the need long-term investment a large amount of funds. Deposits in metal accounts are not subject to insurance, and income is subject to personal income tax. If profit is required urgently, then such an investment is considered pointless.

Business investment

This way of investing money is considered interesting and difficult, therefore it is suitable only for investors who want to work in the field of economics. How to properly invest money in a business? The process can be performed in different ways:

purchase of a company;
acquisition of shares in successful organizations;
investing in startups that are profitable and promising.

Each option requires the investor to have knowledge in the field of economics. Additionally, it is necessary to regularly take part in the management process of the company in order to control the correctness of its development. Therefore, such investment is considered interesting only for active investors who are not interested in passive income.

Investing in PAMM accounts

Many beginners and even experienced investors often think about how to invest in PAMM accounts correctly. This type of investment is currently considered the most promising and profitable among various opportunities and projects.

The process consists of the following steps:

the investor collects the required amount of funds;
a broker company engaged in Forex trading is selected;
the firm on behalf of the client is engaged in the exchange and trade of currency;
if the optimal organization is indeed selected, then its work brings a high income, from which only the commission for intermediary services is charged.

Some investors, after using PAMM accounts, begin to independently engage in trading on the Forex market. But even to make a profit without direct participation, it is important to figure out how to invest in PAMM accounts correctly. Alpari, Instaforex and Exness are the most famous and large broker companies, so you need to focus on cooperation with them. In this case, you can guarantee a high return on investment.

For people who want to invest correctly in PAMM accounts, it is important to understand the rules of brokers, choose the platform correctly, and also distribute the available capital among several companies in order to reduce the likelihood of losing all funds. In another way, such an investment is called trust management, so it is important to really trust the chosen organization.

The advantages of such an investment of money include the fact that the investor independently chooses whom his funds are entrusted to, and also provides maximum information for making important decisions. With the right choice of a broker, the profitability from the activity per year can reach 100% of the initial capital. The control is carried out via the Internet, so this procedure can be performed from anywhere in the world.

Investment in mutual funds

They are considered an interesting and profitable way of investing. The money is transferred to trust, so this tool is considered the most convenient for every novice investor. How to invest in mutual funds correctly? To do this, follow these steps:

a reliable and long-standing investment fund is selected;
a share is acquired in common fund;
Management Company is engaged in investing money in stocks, bonds or different currencies, and the main purpose of this process is to make a profit;
income depends on how efficiently and correctly the assets are allocated by the fund.

The advantages of such an investment include a low entry threshold, therefore, to participate, it is enough to have only 3 thousand rubles. The funds are in the hands of experienced managers. The activities of mutual funds are regulated by state level... If necessary, you can quickly sell the existing share.

The disadvantages include the restriction on the purchase of different stocks, which leads to low profitability. The company may not have time to get rid of securities for which the cost is decreasing, so such investments are not always successful.

Work in the Forex market

Every investor can always become a successful Forex broker. The process involves the sale or exchange of currencies. Successful work requires a good understanding of various factors affecting exchange rates.

The advantages of such an investment include the opportunity to get a really high income if you use winning strategies. But at the same time, there are significant risks of completely losing all invested funds. Additionally, difficulties often arise with the withdrawal of earned funds. The Forex market is practically not regulated by government agencies.

Investing in cryptocurrency

This method of investing money appeared relatively recently, but quickly became popular among experienced investors. The high demand for cryptocurrency is due to the use of modern technologies to create digital money. The cost is constantly increasing, and the number of areas of activity in which this money is used is expanding.

How to invest in cryptocurrency correctly? For this, it is important to correctly choose digital money, since you should buy only profitable currency, the use of which will not lead to serious losses. During the selection, the popularity of the cryptocurrency, its mobility and security are assessed. Most often purchased the following types digital money: Bitcoin, Ethereum or Litecoin.

The investment process is divided into the following stages:

the optimal cryptocurrency for investment is selected;
funds are allocated by the investor;
a wallet is created;
an exchange suitable for work is selected, on which it is necessary to register;
purchased at a favorable rate of cryptocurrency, for which a recession period is selected;
digital money is transferred to an offline wallet, which provides protection against theft;
the sale or exchange takes place during the growth period.

To get a good income, it is important to be well versed in different cryptocurrencies, as well as regularly monitor changes in rates.

Bonds

Many novice investors want to know how to properly invest in bonds. The process is divided into the following steps:

bonds are represented by IOUs issued by government or foreign companies, moreover, according to these documents, the borrower undertakes to return the money with interest, therefore it is important to choose reliable and profitable securities;
they are purchased by affordable price;
after a certain period of time, an amount with interest is paid, and the rate can be fixed or floating.

The advantages of such an investment include the presence of low risks, predictability of profits and the ability to get good income from an investment of 500 thousand rubles or more.

The disadvantages of using bonds include the fact that if you choose really reliable securities, then the yield on them will be low.

Cashbery

This service is presented investment project providing microloans to citizens and companies. With its help, you can get a good return on investment.

How to invest in Cashbury correctly? For this, minimum deposits are opened, the size of which is equal to 1 thousand rubles. These funds are borrowed by other persons at interest. It is impossible to know exactly how much income will be generated from this investment. Additionally, there is a risk of losing funds.

Conclusion

Each person planning to invest in different projects can choose a large number of schemes for making money. They differ in the performed actions, risks and profitability. The more funds an investor wants to receive, the higher risks he will have to face.

To get a really good income, you need to understand currency rates or work in the Forex market. If the investor plans to receive passive income, then trust management is used or funds are invested in business and gold.

The acquaintance of a person with the first money happens in a strange way: he seeks to instantly spend scholarships and salaries on some everyday dreams and desires, while not thinking about where it is profitable to invest money. And only after a while there is a need to accumulate and preserve, and even better to increase. The phrase “money should work, not lie under the mattress” is known to everyone, but it is much more difficult to “arrange” them for work, that is, to determine the ways of investing funds. So it's time to talk about how well-invested money can make a contribution to your personal budget and what investment options exist.

Investing in yourself - your health, education, appearance, personal development. This is one of the safest investment options - after all, becoming the best version of yourself, you will not only change the quality and perception of life, but you will also be able to earn more. So, the founder of the famous auto concern Henry Ford spent his first serious money on an expensive suit in order to seem presentable in the eyes of partners and employers. The way of this investment is buying and reading books, getting additional education, working out in the gym, changing eating habits, etc. There is only one risk - your laziness and inability to use your potential.
Bank deposit is perhaps the most popular and understandable way of investing Money: you bring the amount to the selected bank, specify the term, choose the interest rate and conditions, and at the end of the term you take the money or capitalize the interest, prolonging the deposit. But even in this case, it is not so simple. First of all, the bank interest on deposits (now it is 6.5-12%) hardly covers inflation, and savings, in fact, do not grow, although they do not become cheaper (if there are no problems in the economy). There are some liquidity issues - you cannot withdraw money early without losing interest. Finally, there is a difference between the bank and the bank - not all commercial banks are reliable enough and, probably, chasing a high interest rate, you can then chase after deposit insurance compensation (now 1.4 million rubles). Therefore, if you decide to include a deposit in your personal investment portfolio, be sure to check the status of the bank.
Currency transactions are another popular way to increase citizens' savings, especially in Russia. Someone just buys and sells currency in a nearby bank, trying to catch the exchange rate differences, someone converts all the money into dollars and keeps them at home or on a bank deposit with a tiny percentage. Indeed, the currency still remains a fairly reliable, liquid and profitable way of investing. But working with commercial banks, you pay their risks and get not the exchange rate of the dollar or euro, but imposed by the bank. Therefore, if you decide to invest in foreign currency, it is better to use the services of a broker in order to benefit from exchange rate differences, to make transactions in the right moment and not overpay to the bank.
The stock market is a private investment tool that everyone has heard of: at least many of us have shares in Gazprom or other companies from our grandmothers and parents. This profitable way investments - for example, Sberbank shares have grown by 65% since the beginning of 2016. But most private investors do not understand how to enter stock market and what are the benefits. It's simple: an individual cannot be admitted to trading on the Moscow Exchange, which means that you need to contact a broker for help. This is an intermediary who, on your behalf and at your expense, will operate with securities or exchange commodities purchased by you, fix income, and pay taxes. For this he will receive a small commission.

In addition, you can buy securities (stocks, bonds) in the bank and sell them again to the bank after some time. In addition to income from exchange rate differences, the holder of the securities can receive dividends (on shares) or coupon yield(for bonds). The disadvantages of this type of investment include the complexity and need for training, as well as the riskiness of investments, to the advantages - potentially higher profitability, durability and reliability of investments, as well as the ability to combine tools and build investment strategies.

Investing in real estate is another popular investment method. There are several options: buy an apartment and rent it out, buy an apartment at the construction stage and sell it at a higher price, invest in renovating old housing and sell it at a higher price; lease and sell real estate as an office. This method has the right to exist, but it has a number of disadvantages: a high entry threshold (even at the stage of development, an apartment costs more than a million or several, depending on the region); agency risks; low liquidity (it takes time to sell an apartment profitably); risks of fraud on the part of the developer.
Investments in art treasures and collecting: stamps, books, money, paintings, art objects, exclusive jewelry, cars, antiques and even wine. This is one of the most luxurious and romantic ways to raise capital. There are two problems: the first is that it is very expensive to acquire such things, the second is an extremely illiquid investment, and it is extremely difficult to find a buyer for the collection. However, if you have money for collecting, you are hardly interested in this article :-)
Investing in travel is a youth way of investing, which has given rise to more than one successful case. You can travel, develop language skills, communicate, blog and make money on it. By the way, the blog itself is also a newfangled way of investing with a small threshold of entry. But here you need talent, luck and that very big idea, so as not to get lost in terabytes of information.
Investing in networking is a newfangled way of investing. It's simple: buy tickets for cool events, lectures, exhibitions, conferences, meet the necessary and useful people, and then try to use your connections to your advantage - for example, find a high-paying job in the capital regions. Again, a dubious and risky way.
Innovation and venture investments today everyone is attracted - from venerable oligarchs to private participants in crowdfunding companies. Indeed, you can invest in the development of a technology startup or a separate product, but it is expensive, time consuming and extremely risky.
Your own business is a great way to invest if you have a really high-quality idea. We hasten to disappoint you: flower shops, barbershops, noodle shops, coffee shops and vending machines in universities are niches in which there is nothing to catch. But no one is stopping you from developing an excellent program, writing a game, investing in an exclusive clothing and jewelry store (not a franchise, but something of your own, warm and lamp). Then you can get income, however, the payback will take several months, or even years. If you are ready to invest in business all the money (and borrowed money too) and soul, not to sleep, to resist a dozen of checking authorities, then this option is for you. Small business is the lifeblood of the economy, it needs it. But alas, only a short-sighted, arrogant person can think about profit and super-profit - no one has ever been given a BMW, keys to an apartment, a ticket to Nice and a Swiss watch when registering an individual entrepreneur or LLC. Everything will depend on your ability to work and a little bit of luck.

There are a number of areas and things that are not worth investing in, since such an investment is essentially just a purchase and will not bring any added value, and in some cases will also entail costs:

	serial jewelry - even if it is very expensive diamond jewelry, it is still a factory jewelry that has no special value and can be obtained after a couple of hundred years;
	cars (not collectible) are the worst investment: firstly, the car will require new and new costs, and secondly, the dealership proverb says the truth: “A car that has left the salon with a buyer immediately loses half of its value”;
	technology - almost no comment: it becomes obsolete in less than a year;
	virtual things: tanks, game mana, bitcoins, cryptocurrencies, etc. It is simply not worth buying virtual things for real money, the risk of loss and legislative risk are too great.

Investments in gambling, lotteries, sports and other sweepstakes, funds for the development of promising drugs, etc., also look completely unjustified and even dangerous. Behind all this are smart people and even smarter machines and programs that will find a way to leave you with nothing at best, and debt at worst.

As you can see, there are many investment options, for every taste and for any starting amount. The main thing is not to be afraid of anything, to start, not to stop gaining knowledge and experience, not to let things take their course. To paraphrase famous lines, don't let money get lazy. Work for results.

Profitable business investments - the path to growth

To be honest, there are many applicants for the free money of a private investor: these are banks, financial institutions, ordinary stores and even, alas, scammers. This means that you need to carefully consider where to invest and what lies behind the process. There are several important points that are important to learn before you decide to invest your savings in anything.

Don't invest your last cash - for example, most of wages or an annual award. You can only invest free money - those that you will not need for life support in the very near future: savings, savings.
Do not start with large amounts - invest money that you can afford to withdraw from personal or family budget without fear of being broke. Private investing is not a gamble, but a process that requires knowledge, skills and abilities, so it is worth learning on small amounts.
Be aware of the risk. Any investment of funds carries risks different levels... Learn to calculate them and find out how to reduce them (for example, drawing up a diversified investment portfolio - the case when you invest in several different instruments). Simply put, don't put all your eggs in one basket.
Do not use dubious sources of information about the investment process - unfortunately, there are a lot of pseudo useful sites on the Internet that offer tempting but dangerous strategies. Refer to official sources - sites of certified brokers, the site of the Moscow Exchange, portals of banks and issuers of securities. Moreover, serious companies have convenient mobile applications- this way you can invest and monitor the movement of your money in real time wherever it suits you.
Diversify your investments - invest in different instruments, choose complex strategies, combine ways to generate income. In conditions modern economy and geopolitics, it is better to diversify your investment portfolio not only by instruments, but also by industry and country of origin of issuers, terms, reliability, liquidity. So you will partially insure yourself against losses.
Invest only in those tools that you understand - that is, you must have an accurate idea of how your money will work, due to what and in what time frame income is generated, what risks you can incur.
Be sure to try investing again, even if the first one was not the best one. Analyze your mistakes, evaluate new opportunities, consult with a broker and try again.
Work with professionals, especially at the beginning. Working with a broker allows you to avoid stupid and offensive mistakes, learn how to work with tools and gain access to exclusive analytics, without which competent investments are impossible. And most importantly, remember: a professional broker guarantees transparency and controllability of all operations. If this is not the case, refuse the services offered to you.

Passive income is what many people dream about, regardless of age, place of residence and other factors. One of the most famous and reliable ways to generate passive income is deposits, but not everyone knows what needs to be done to make such a dream come true.

We are often asked the question of where to invest in 2019 in order to earn money, so we have prepared a material for you with a detailed consideration of various investment options.

5 options where to invest money is profitable

There are a large number of options for investing money, but we have compiled the TOP 5 of the most profitable ones. When compiling this list, we tried to correlate both profitability and risks, so you will not see in it ways of earning that involve high risks.

Let's start looking at investment options from the less profitable way out of 5.

5. Mutual funds - monthly income

Often, when asked where to invest money in order to receive a monthly income, people get an answer about the option associated with mutual investment funds (UIFs). This name covers a special property complex that does not have a legal entity.

Each unit investment fund is based on the principle of trust management of the fund's property. Thus, it is possible to achieve an increase in the value of this property, which means the emergence of profit for each investor (in such a system they are called "shareholders"). The amount of investments depends on the number of shares, the ratio of which to the total amount determines the amount of profit (you invest more, you get more).

It is worth explaining that an investment share is a special security that certifies the right of the owner of this security to a certain part of the property fund to which it belongs. You can find more information about this security in the rules of a particular fund.

To redeem shares at the current value means exchanging securities for money, and the amount of the amount will fully depend on the percentage to which you are entitled, it is indicated in the share.

Note that each share grants a certain amount of rights regardless of investors, and the rights of each owner are recorded with the help of an independent organization that maintains a register of investment share holders.

Yes, this investment option can be considered in some situations, but the amount of income it brings, according to past data, is not so great, and the risks of investing in mutual funds are relatively high (they cannot be called great, but there is a chance of a collapse in the market, and this will lead to significant losses of shareholders).

4. Bank deposit with interest

Recommended investments: from 100,000 rubles.
Risk: minimum.
Profitability: low.

If you are wondering where to invest money at interest in order to have stable income throughout 2019, then one of the most acceptable options would be Bank deposit.

Let's look at the essence of this option: a depositor (a person who wants to open a bank deposit) transfers credit institution a certain amount of money, which conducts certain financial transactions with them, leading to a profit. Thus, the bank can provide profit for itself and the depositor.

It is worth discussing such a moment as the interest rate. The investor will receive a fixed amount of profit, regardless of success financial transactions that were spent with your money. If the contribution provides for 10% per annum, then, as you might guess, from 100,000 rubles of the contribution, a person will receive 10,000 profits. Yes, annual percentage this option is relatively small, but it should be understood that there are practically no risks in this method of investing money.

The only risk that a person who has made a bank deposit has is a certain chance of the bank losing its license or ruining it. Fortunately, such situations can be easily avoided if you adhere to one simple rule - contact only well-known and reliable banks.

Note! The given example does not reflect the whole essence of deposits, because there are other options. Carefully study the conditions, because the interest can be calculated not once a year, but 4 times, or even every month. Of course, in such situations, the interest will be much lower, if you are not sure that you can do without this money for a year, it is worth considering such options.

Recommended investments: from 30,000 rubles.
Risk: minimum.
Profitability: below average.

You can endlessly choose the place where it is better to invest for a novice investor, but it will not work to come to a specific conclusion, since there are a large number of points of view, many of which contradict each other. Let's take a look at the two main options that are in third place - securities and precious metals, and draw conclusions.

As for securities, they are of various types:

basic (stocks, bonds, bills and much more);
derivatives (options, swaps, etc.).

Note that for competent investments of this type, it is necessary to study a lot of information regarding this issue and be aware of the current situation on the market. Thoughtless investments in securities are unlikely to lead to at least some profit, so the second option is worth considering.

As for precious metals, such investments are much easier, since everyone understands their essence. The most common option is to simply buy one of the metals on the following list:

platinum;
gold;
palladium;
silver.

This option does not always make a profit (this requires a big jump in price), because the selling price always differs significantly from the purchase price. The most interesting way to invest in precious metals is to purchase precious coins, which have an additional reason for the increase in value.

We are talking about the eagerness of collectors to acquire them, because the circulation of such coins is quite limited. But it is worthwhile to understand that such an investment is designed for at least 10 years, because you need to wait until the coin becomes in demand.

Note! The risk of investing in precious metals is minimal, as they all slowly add in value.

2. Investments in PAMM accounts

Recommended investments: from 1000 rubles.
Risk: average.
Profitability: high.

The World Wide Web is incredibly developed, so many people began to ask the specific question of where to invest money on the Internet in 2019. Let's talk about the most profitable way to make money in Russia today. It is about passive income where it is more profitable to invest money, we will now tell you.

PAMM accounts are a term closely related to the Forex market, but do not rush to choose from the methods presented earlier, since such investments do not imply a thorough and long study of the market. If you explain the essence of such investments in simple words, then, one might say, you simply trust your money to the trader (manager) who trades it.

Note that the manager himself makes a certain contribution to the PAMM-account, then the percentage of investments of each investor is calculated. This is necessary in order to correctly divide the profit (what percentage do you have from the amount of the PAMM account, this percentage of profit from trading operations will be yours).

The most famous PAMM broker in Russia today is, the largest and most profitable PAMM accounts are located here.

Note! This option has risks that can be mitigated if certain ones are known. We are talking about the choice of a manager, which determines whether you will make a profit or suffer losses.

When choosing, you should rely on the profitability of the account, its drawdown and many other factors (we advise you to study the chart that should be attached to each PAMM account). It is important to look at the contribution of the manager himself, because this can say a lot, or rather, about his confidence in his abilities and a specific account.

It should be noted that PAMM accounts have one indisputable advantage, the essence of which lies in the absence of transferring money to the trader, because they will continue to be in your account, that is, he will only be able to trade them, and it will be impossible for him to withdraw these funds.

Recommended investments: from 1,000,000 rubles.
Risk: minimum.
Profitability: average.

We are often asked where to invest a million rubles to make money without big risks. One of the most well-known ways to the public is to buy real estate. In this issue, the main difficulty is not to be mistaken with the purchase of an apartment in any new sector, where there will be no strong demand in the future.

Profitable this way earnings should be called in situations where a person can competently analyze the situation and understand whether there will be a demand for this property in the future. 1 million rubles is minimum amount, but it is better to engage in such investments if you have at least 3-4 million.

The disadvantages of this method are that if you miscalculate with the purchase, then you will simply lose part of the initial amount, and the losses will be significant. We will also mention the significant loss of time.

It is recommended to buy real estate only for those people who are ready to analyze the real estate market, compare offers and competently choose the most attractive options. It should be understood that this will take a lot of time, but with a bit of luck and diligence, it turns out to earn a lot.

In this material, the most popular options have been collected on the advice of experts, but the question of where it is profitable to invest in 2019, so as not to lose, you have to answer yourself. Someone prefers more profitable options, and someone seeks to protect themselves from high risks.

The real income of the population depends on the nominal charges and the inflation rate. The latter increased by 3.2% in 2017. The growth in nominal charges is less than the pre-crisis level. A Russian with an average income can pay for his living expenses, but he will not be left with funds for travel or for a quality vacation. Therefore, many people think about where it is profitable to invest money.

Where can you profitably invest today?

The issue of investing funds is very relevant today. Experts advise investing in large projects just after the ruble has stabilized in the market. Investors with small capital also have interesting options. Along with forex and the stock market, are gaining great popularity binary options... If the investor guesses the direction of the price change, then he will receive a profit in the amount of 50 - 75% of the rate. Other popular areas include cryptocurrencies, mutual funds, PAMM accounts. financial market and much has been said before. But such a direction as making money from Internet games is only gaining popularity. For registering in the project and completing simple tasks, the player is credited with income and bonuses. This option of earning can be considered as a way of temporary earning. Investments in bank deposits are still actively discussed. This is a risk-free and low-income investment. Banks are also actively promoting deposits in precious metals, both in the form of bullion and compulsory medical insurance. In the long term, these investments are profitable. The question is whether the inverter is ready to wait several months for the metal price to change.

How to choose a win-win when investing money

It should be noted right away that there are no risk-free investments. If the bank goes bankrupt, then depositors can lose their savings. Investors can only reduce the level of risk to a minimum. What Experienced Investors Look For Experts advise to consider as many promising ideas as possible in the process of choosing an object. Then analyze in detail the profitability of each direction. When choosing an object, you should take into account the ratio of profitability and profitability. Before you freeze finances for a long term in real estate, you should analyze the profitability of a similar object. Experts advise relying only on your own strength. Only accumulated funds should be invested. If you cut expenses by 30% and increase income by 20%, then even people with an average income can save $ 1000. Diversification of investments You need to invest in different objects, assets and markets. According to the rules of risk management, approximately 60% of capital should be directed to risk-free assets. Investing in precious metals has always been popular. The investment risk is minimal. The payback period depends on price dynamics, but on average is 1-2 years. The rest of the funds can be invested in stocks and bonds. If there is no knowledge, opportunity or time for training, then it is better to entrust the funds to mutual funds. The bank, as an asset manager, will choose the best bonds for investments, will arrange and carry out the purchase and sale procedure itself. You will have to pay a commission for trust management. Calculation and control of risks To understand in which direction to move, you need to clearly monitor the current situation. To do this, you need to keep a diary in which all investments in objects and the income received are recorded. Even a special diary of transactions has been developed for traders of the stock and foreign exchange markets. After all net income the trader's profit is the profit from the transaction minus the broker's commission. Investors in the real estate market should pay attention economic situation in the country. During a crisis, it is easier to buy an object at a bargain price, wait for the market to stabilize and then sell it. Money should work. Therefore, while the investor is studying promising investment directions, his savings should be left on a bank deposit so that they do not depreciate. The so-called risk-free investment directions are intended more to suppress inflation. Interest rates on deposits barely exceed the average annual price increase. But this scheme of earnings brings a stable income.

Bank deposits at interest

Banks accepting deposits from individuals must be members of the insurance system. Then, in the event of bankruptcy of the institution, the depositors will receive their savings in maximum amount 750 thousand rubles By choosing deposit program, you should check whether the financial institution has a license from the Central Bank and whether it is registered with the DIA. Russians trust their savings to state institutions: Sberbank and VTB Group. These banks are the market leaders in terms of the number of attracted deposits. However, users in their reviews complain that it is rather difficult to terminate the contract prematurely, and the level of profitability in these institutions is by 2-3 percentage points. below the market average.

Real estate: rent, lease

The safest investment option is to buy real estate. Moreover, it should be purchased precisely during the crisis period, while prices on the market are understated. Many investors see this area as a way to save money. In times of crisis, an object can be handed over and received rent... Investing in real estate, as a way to increase capital, requires knowledge, experience and availability of funds. Otherwise, the funds frozen for a long time will not bring income. In the second case, it is worth investing at the stage of laying the foundation. Then, by the time of delivery, the cost of the object will increase by 2.5-3 times.

Investing in small and large businesses

People with an entrepreneurial streak and promising ideas are best placed to invest in their own business. To implement the project, you will have to draw up a detailed business plan, assess your competitive advantages in the market and think over advertising on their basis. In the process of implementing the project, the entrepreneur will have to carry out all the work on his own. As the business develops, it will be possible to hire assistants. Investments in their own business have one serious drawback - the entrepreneur will have to take on all the risks for the implementation and implementation of the project. Or find co-investors. In the second case, the profit will also have to be shared with partners. The old methods of investing bring little profit. Those looking for innovative tools should look out for such suggestions.

Stock Markets

Investments in the stock market will be beneficial to those investors who are going to freeze their funds for a long time. Intraday speculative trading is a separate profession that needs to be trained for a long time. To work on the stock market, you need to open an account with a broker and, at least, become familiar with the work of the platform. The advantage of this method is that you can make transactions not only at your own expense, but also borrow money from a broker and open “short” positions in the market. Upon completion of the operation, the trader returns the borrowed funds to the broker, and keeps the interest income for himself. To work on an exchange without a broker, you need several thousand dollars of capital. This option is not available to everyone.

Forex

Beginners without experience can also trade in Forex. Brokers develop structured products for their clients. Their essence lies in the fact that the investor distributes his deposit between risky and risk-free investments. The investment portfolio is based not only on precious metals, but also on popular commodities (oil, corn, sugar, etc.). An investor chooses an investment scheme based on:

the level of protection of the deposit (what share of the capital the broker undertakes to return in any market situation); the coefficient of participation in each direction of investment (according to this indicator, investments are divided into risky and risk-free).

Online games, casino, poker

The most popular methods of making money on online games today are very risky. By participating in the games, you can win several times small amount money. But you won't be able to make a living by playing casino games, as they use several money-scamming schemes: "A win-win combination." With this phrase, scammers attract newcomers' money to casino resources, which, according to their calculations, can bring good income. Moreover, the information is provided absolutely free. Program vulnerabilities. With this approach, scammers are trying to lure money for the development of a unique code that will help beat the casino.

Where to invest 100,000-500,000 rubles to make money without risk

It is better to invest amounts of several hundred thousand rubles in real estate, construction and antiques. Purchase objects in the segment luxury real estate follows at the stage of laying the foundation. The profitability of investments will increase by 7% annually, excluding the market value of the object. By the time of commissioning, the cost will increase by 2-3 times. For half a million rubles, you can buy a franchise. In this case, the license holder provides full support: advises in the process of manufacturing products, searching for sales channels, decorating premises, pays advertising costs, conducts training. You will have to pay monthly royalties (rent) for such advice. In 70% of cases, such expenses are fully recouped in six months. You can also invest half a million rubles in your existing business. Investing money at the stage of project development is not recommended due to the high risks. It is better to use such funds to strengthen market positions and develop new segments. Achieving this goal is easier for a reputable organization than for a startup. Another option is to open a deposit in one of the investment banks. Interest rates at European financial institutions are higher than at Russian ones. However, the funds will have to be frozen for a year. When early termination contract income is recalculated at the minimum rate. If you are thinking about where to invest your money, then pay attention to the following options. These investment methods generate good returns in the long run. Investment in precious metals It is better to invest in precious metals through banking institution, otherwise there is a chance to run into scammers. It is better not to take the purchased ingot from the bank. If the box or metal is damaged, it will be difficult to sell it. In addition, the sale of the ingot will have to pay VAT. If the value of gold does not increase by 18%, then such an investment will be unprofitable. Therefore, you need to invest in bullion for at least 5 years. In the short term, it is better to invest in an impersonal metal account. The profitability of such investments is lower, but you will not have to pay taxes when closing an account. Investing in cryptocurrencies Imagine a house with a large number of locked apartments. Each of them contains a coin. You need to go through all the keys to open the door and get the money. This is also the case with cryptocurrencies. There are digital encrypted money (Bitcoin, Litecoin, etc.). To get them, you need to sort out many combinations. A limited number of coins shape supply and demand. In 2014, the value of Bitcoin increased 100 times and then declined. The main disadvantage of this investment method is that there is no guarantee of price increases. Endowment life insurance Many have probably heard of such a service as life insurance. But not everyone knows that this tool can be used to invest funds. The essence endowment insurance consists in the fact that first the client transfers a certain amount to the fund, for example, $ 400 per year. This process lasts 5 years. At the same time, the client's life is insured against accidents, injuries and disability. The difference between the service and ordinary life insurance is that if an insured event has not occurred within 5 years of the contract, the company returns all invested funds to the client. And additionally pays 4% per year for the use of money. The client will invest 2 thousand dollars, and in 5 years will receive 2,253 thousand dollars. The income is small, but guaranteed. Share investment funds The mutual funds are characterized by an attractive ratio of risk and return. The client transfers funds to a management company, whose employees independently choose the direction of investment and invest them in various assets (securities, real estate, etc.). In Russia, such a service is provided by many banks - Sberbank, Raiffeisen, VTB, etc. The profitability of a deposit is higher than a bank deposit, but there is no guarantee of income. For the year, the company can make a profit or loss. Therefore, only large mutual funds should transfer money to management. Put money on deposit Existing clients of a financial institution can open a deposit without leaving their home. To attract customers for online deposits, banks charge a higher percentage (by saving money on drawing up a paper agreement). To terminate the contract ahead of schedule, you will have to contact financial institution... If the client has not submitted an application for receiving funds at the end of the contract, it will be automatically prolonged. The main advantage is the money back guarantee. The ability to conclude a transaction via the Internet is a new competitive advantage. Private lending In this case, the investor acts as a lender who lends funds to the borrower and receives interest for this. The lender regulates the level of profitability independently. Interest can be calculated even daily. The disadvantage of this method is the risk of running into an unscrupulous borrower. In this case, it is almost impossible to return the funds. Due to the lack of complete information about the borrower, his actual place of residence, it will not work to collect debts through the court. You can start working in this direction through the Webmoney loan exchange. Investments over the Internet You can buy a site that already receives good income from advertising, affiliate links, paid services. But to manage such an asset, you need special knowledge. Otherwise, the site falls under the search engine filter and investments will be unprofitable. An equally risky but more interesting option is to invest in a startup. Developers of interesting projects usually do not have the means to implement them. Therefore, they draw up a business plan and reach out to investors. The profitability of a project can reach hundreds of thousands of dollars, but the level of risks for such projects is also high. According to statistics, 70% of such projects leave the market. Therefore, experienced investors finance several projects at once.

How much money can you start investing with?

You can become an investor in the Forex market even with 100 rubles in your pocket. The main thing is that there is a desire to receive additional income... Then it will be easier to save 10% of all income for investment. Gradually, the creation of savings will become a habit and the desire to increase expenses with increasing income will disappear. To receive income from the stock market, it is more expedient to open an account with 30 thousand rubles. on hands. Where does this figure come from? The cost of a lot of securities is on average 1-5 thousand rubles. The main principle of wise investment is to diversify investments, that is, buying stocks and bonds of different companies. Initial amount the deposit does not matter. You need to learn to comply with this principle from the moment the first transaction is concluded. Funds should be distributed between risky and risk-free securities. The majority of the investment portfolio is made up of fixed income bonds. The proportion of shares should be calculated so that fluctuations in quotations do not exceed the yield on bonds. This approach will create a portfolio in which the risks of losing funds are minimized. Taking into account the described rules, the investor decides to buy 4 shares for 2 thousand rubles. The risky part of the portfolio is 8 thousand rubles. The share of bonds in the investment portfolio should exceed 70%, that is, another 27 thousand rubles. It is better to invest in the stock market with a capital of at least 35 thousand rubles.

Investing funds together with the investor

You can become a business owner without a large amount of capital. It is enough to find several investors who are ready to invest in the project and become a co-owner of the business (shareholder, shareholder, equity holder). The founders share profits and losses in proportion to their contribution to the capital of the enterprise. You can become a co-owner of a business by buying a share in an LLC, shares in a company, or by joining a mutual fund. The right to receive a part of the profit is not a guarantee of the return on investment. By acquiring a part of the business, the entrepreneur runs the risk that the invested amount may significantly decrease. The reasons can be different: mismanagement, market crisis or changes in market conditions. That is, equity participation in investments does not guarantee a return on funds. However, the profitability of such projects for certain periods of time can be two or three times the amount of the initial investment. The most large companies appeared in the world precisely due to equity participation in business. In practice, a situation often arises when one investor contributes almost the entire amount, while the other simply manages the company. Since the financial result is divided between the business participants, it is advisable to negotiate and fix in the contract the share participation of each of the partners. No country in the world can manufacture absolutely all goods, and Russia is no exception. More than half of export revenues come from oil sales. For foreign currency, you can buy those goods that are not enough in our country. Companies purchase currency for rubles in order to then import goods. The more foreign currency, the cheaper it is (the ruble rate increases). And vice versa. Therefore, on the eve of the new year, when goods are massively sold, including imported ones, the dollar and euro increase in value. During this time, the currency should be sold to those who bought it during the year. Gold is a resource, the amount of which is limited in the world. In the long run, it makes sense to invest in this precious metal in bullion form. However, when they are sold, you will have to pay VAT. Alternatively, you can apply for a gold bank deposit or open an OMC. For short-term investments it is better to buy gold futures. Experts advise beginners to refrain from working with cryptocurrency. If she brings in such a high income, then there is a risk of losing funds. Any national currency there is a country in which events affect its value. Virtual money does not have this characteristic. Therefore, investing in cryptocurrencies just because it is fashionable is not worth it.

How to save money from inflation

The growth of the foreign currency exchange rate in the pre-New Year period will be accompanied by a depreciation of the ruble. How to keep your savings? Don't store them at home. To prevent savings from becoming a "dead weight", you should open a bank deposit, preferably in several currencies at once. Unlike Europeans, 40% of Russians prefer to keep their money close at home. Those who do not trust commercial banks should open a deposit with a state bank. Buy imported goods. During the period of ruble devaluation, first of all, imported goods become more expensive. If you have not yet decided on an investment object, do not trust banks and do not want to lose the real value of your savings, buy what you have wanted for a long time (a car, washing machine, etc.). Savings can be invested in precious metals. Indeed, during a crisis period, their cost increases. It's not just gold or silver bars. Today, banks can buy rare and expensive coins made of platinum and palladium. It's not worth investing in jewelry. The proportion of precious metals in their alloy is very low. They can be sold quickly at the scrap price.

Where not to invest money

No matter what level of income financial pyramids promise, you cannot invest in them. In particular, hyip funds popular today are an example of financial pyramids. Fraudsters attract naive investors with a beautiful website and the ability to get large interest income (50-250%) in a very short time (from one hour). The average lifespan of such funds is one day. Only their creators get profit from HYIP. Earlier there was a lot of talk about investing in real estate and the stock market. In no case should you invest borrowed funds in these assets. And it's not about strategy or experience. From a psychological point of view, make money on borrowed funds very hard and nobody succeeds. Such trading brings only a loss. Buying real estate on credit on the eve of the crisis is risky, if only because banks can raise interest rates on mortgages. Overpayment of the commission completely eliminates the difference in price. Such an investment only brings a loss. Investing in a car is not profitable under any circumstances. A vehicle that leaves the gates of the auto center immediately loses 30% of its value. We hope this article was useful to you. If you know others good options of where to invest money and make money on it, share your thoughts in the comments.