Hello, dear readers of the SlonoDrom.ru magazine! Almost every one of us sometime thinks about where to invest money so that it works and brings monthly income.
There are actually a lot of investment options! Not all of them are effective, and what to hide, there are often simply fraudulent organizations whose only goal is to get money and hide with them forever. I know about it firsthand! 😀
In this same publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2020! And of course, in practice we will try to objectively figure out where it is more profitable and best of all to invest our money.
You will also learn about where not to invest your money, so as not to lose it!
And most importantly, I will share with you my life experience , specific examples and useful tips which will allow you to invest money correctly and receive high passive income! 👍
Regardless of what amount of money you are going to invest: small or large - this article will be most useful for you!
Plus you will learn:
- What are the investment options, what is their profitability and which one to choose?
- Where can you profitably invest your money on the Internet?
- How to invest money correctly so as not to burn out?
- And also about where it is better not to invest your money!
Sit back and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded! 😉
1. What is important to know about investments?
The first what you need to know before investing your money anywhere is that you need to invest only your own free funds ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.
Nobody gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (such as government bonds or bank deposits).
This should always be remembered, because investments can bring both profit and loss!
Secondly , before investing your money somewhere, you need to actually assess what risks and what profitability can be obtained from one or another attachment.
Usually the risk is proportional to the income, i.e. the higher the yield, the higher the risks and vice versa. But this rule does not always work.
But in any case, he who does not take risks does not earn. It is always necessary to take risks! 😉
In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:
- profitability,
- risk,
- payback period,
- minimum investment amount.
We will also consider all the pros and cons of each investment option.
Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.
For example, you can distribute like this:
- conservative portfolio (bonds, real estate, precious metals ...) - 50% of all funds;
- moderate portfolio (Mutual funds, shares, business projects ...) - 30% of all funds;
- aggressive portfolio (foreign exchange market, cryptocurrencies ...) - 20% of all funds.
❗️Important:
You do not need to invest all your money only in instruments with a very high profitability, since in this case the risk of losing your money will also be very high!
And many people, on the contrary, strive to receive maximum income, but at the same time completely forget about the risk. And as a result, due to greed, they are left with nothing.
Investing is primarily about risk management! First of all, you need to take care not to lose money. Profit is the second thing.
And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.
Read this article to the end, as at the end of the article you will learn about other important investment rules! 👇
2. Where better to invest in 2020 - TOP 15 profitable investment options
So, let's finally consider the options and decide where you can profitably invest your money so that they bring income!
I will immediately share with you, by my personal example, one rather profitable investment that allows you to receive much more than ordinary bank interest. 😉
Pamm account "Arslanov Fund" and its profitability
Another PAMM account, in which I have invested, is the largest account in Alpari, it manages more than 155 million rubles!
Although it does not show the same profitability (accordingly, it is more conservative, with lower risks) as the previous one, nevertheless, for 5 years, it brings investors "clean" about 60-80% ... Agree very well! 😀
Another plus of Pamm accounts is that the minimum investment amount is practically unlimited here, you can start at least from 3000 rubles.
I am just looking at other PAMM accounts, while in my opinion, these two accounts are currently the most reliable for long-term investment. If something changes, I will immediately update the information in the article about it.
However, although in this way it is possible to earn quite significant amounts, nevertheless, one should not forget about the risks. Invest in PAMM accounts no more than 25-30% from the total amount of your investments (at the same time, distribute risks among the accounts, do not invest everything in only one account, at least choose 2 accounts).
More details about this type of investment will be described below in the article, so be sure to read it to the end.
And now we will consider separately each of the options where you can invest money.
Option # 1: Bank deposits / savings accounts
DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 4% to 8%.In recent years, deposit rates have been steadily falling down and will likely continue to fall in the future.
How to make money on the growth of stocks - an example of Google
So for 3 years, Google's shares have grown by more than 100%!
For these purposes, the so-called "individual investment accounts" (IIS) are suitable, which, for example, can simply be opened in the same one (following this link, you can invest for 1 month without commission). By the way, they have a very convenient application for investments and a fairly low commission, I use it myself.
☝️In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay taxes on income! Such favorable conditions were developed by the state to support and develop investment in the country.
But naturally, there are many nuances to consider when investing in stocks. Risks are always and everywhere - you should not forget about them!
The biggest risk for stocks (for those who bet on their growth) is financial crisis ! The rest of the time, shares are generally growing steadily and show good returns.
In addition, you need to understand that the price of shares depends very much on the actions of speculators, rather than on the company's real financial position in the market.
Alternatively, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:
- RTS (50 largest companies in Russia),
- S & P500 (500 largest US companies),
- NASDAQ (100 US high-tech companies).
If you do not want to personally engage in investing, then there is an option to entrust your money to professional managers. I already mentioned how I invested in Alpari managers at the beginning of the article! I will definitely tell you more about this direction just below in this article!
You can easily invest in stocks through.
OUTPUT: With proper management, shares can bring good returns, several times higher than the interest rate on bank deposits. But at the same time, they belong to more risky assets.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| 15-100% per annum (change in share price + dividends) | depends on the strategy | 1-7 years old | from 5-10 thousand rubles |
| (⭐️⭐️⭐️ - medium / high) | (⭐️⭐️ - medium / high) | (⭐️⭐️ - medium) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) With minimal / moderate risks, you can get a relatively high return. | (+ ) High liquidity - at any time, shares can be quickly sold and money can be got in your hands. Low entry threshold. | (- ) Knowledge is required. Uncontrolled risk and "flirting" with the market can lead to significant losses. | (- ) In the event of a crisis, shares can seriously and in a short time fall in price. |
Option # 4: PAMM accounts, PAMM portfolios, trust management and structured products
DESCRIPTION: But this method is usually suitable for those who do not have experience and time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).That is, in this case, you entrust your money to traders - those who are professionally engaged in trading in financial markets.
All you need to do is to distribute the initial investment amount into parts (preferably at least 3-5) and invest in various managers.
PAMM-account "Moriarti", its profitability for 5 years was 135,464% (click to enlarge)
💡 This PAMM account (trader) has invested over $ 2.5 million , its profitability for 5 years amounted to over 135 thousand percent.
However, it should be borne in mind that despite the fact that in the past the accounts / portfolios showed good returns, in the future there is always the possibility that they will turn out to be unprofitable.
Therefore, again, do not invest all your money in one trader! Distribute funds at least among 2-3 reliable managersthat trade profitably for a long time. If the accounts are relatively new (less than 6 months), then separate the initial investment among 5-10 traders.
Constantly monitor the situation and get rid of accounts / portfolios that bring losses for a long period. This is the whole secret of investment!
For more information about what Pamm accounts are and how they work, you can view a free training webinar from professionals in their field:
You can go to the Alpari website and familiarize yourself with Pamm accounts.
With a larger initial capital, you can work with large exchange brokers (for example, Finam and BCS), which also provide various trust management strategies.
✅For example, on Finam in trust, you can give from 300 thousand rubles... Their website contains dozens of diverse strategies: conservative, moderate and aggressive.
Of course, brokers and managers also cannot 100% guarantee that you will receive income.
Immediately I want to tell you a few words about the so-called "structured products", because they are also directly related to trust management. Income here, as a rule, is not the same as Pamm accounts can provide, but nevertheless, structured products can bring significantly more than bank interest and bonds.
They are also intended for beginners who want to multiply their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).
The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which experts expect to rise or fall in the future.
Investing in such products is usually possible from 3000 dollars (some brokers have a higher minimum threshold) and for a period from 3 months.
I will give an example of trust management - the leader in terms of trading volumes on the Moscow Exchange with maximum AAA reliability.
✅BCS offers investment in Gazprom shares with guaranteed returns 10% per annum (even if the price of them falls) and 100% capital protection. If the stock price rises, then you can even get 14% per annum .
Thus, there are only 2 options: you get either 10% or 14%... Consider that there are no risks, except for the actual bankruptcy of the company. But it is extremely unlikely that the number one company in the entire brokerage market in Russia will go bankrupt, like Sberbank will declare bankruptcy. Therefore, in this regard, there are practically no risks.
The investment is designed for a period of 3 months, which is also quite convenient. As a result, this option is an excellent alternative to a deposit, the rates for which are now significantly lower. The only downside is that the minimum investment amount is 300 thousand rubles.
OUTPUT: Trust management combines convenience, moderate risks and medium / high returns. Especially suitable for beginners.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 200% per annum and above | depends on the type of strategy: conservative, moderate, aggressive | 1-8 years old | from 500 rubles |
| (⭐️⭐️⭐️ - high / medium) | (⭐️⭐️ - medium / high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) By distributing funds among the most effective managers / strategies, you can get a good average return. Suitable for beginners. | (+ ) The minimum amount for investments (especially in PAMM accounts) is quite low. You don't need to trade yourself. | (- ) Relatively high risks compared to bonds and bank deposits. | (- ) It is difficult to predict profitability as there may be unprofitable periods. The managers need to be monitored periodically. |
Option # 5: Bonds
DESCRIPTION: Where do you think the big banks are investing? Mostly bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.
Along with bank deposits, bonds are considered one of the simplest investment instruments. But unlike bank deposits, the rate on bonds is significantly higher.
For those who do not know, a bond, in a simple way, is an IOU. Only large companies and states can act as borrowers.
☝️ By the way, Sberbank and other banks are selling national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyx .
I agree, not very much, but the rate is certainly better than most of the bank deposits currently available. Moreover, in the future, interest rates on deposits may decrease.
You can also consider bonds of large reliable companies - rates on them will be higher! For example, for Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the term).
At the same time, it is possible to invest large funds in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.
I also note that there are bonds, the yield on which can be dozens and hundreds of percent ... But such bonds have a low credit rating (for this they are called "junk bonds"). Although they are capable of generating a fairly high income, they are a very risky investment.
Bonds as well as shares can be bought without the need to pay income tax (if you buy them for a period of more than 3 years).
OUTPUT: Bonds are suitable for those looking to earn an average yield with a relatively high guarantee.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 7% to 15% per annum (for risky ones from 30% to 100% and above) | depends on bonds (for government bonds - very low) | 7-12 years old | from 10 thousand rubles |
| (⭐️⭐️ - medium / low) | (⭐️ - low) | (⭐️⭐️ - medium / low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income. | (+ | (- ) Relatively low profitability compared to stocks and some other assets. | (- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less credibility it has. |
Option number 6: Forex
DESCRIPTION: Forex is essentially a foreign exchange market where you can buy / sell a particular currency.
This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).
Example!
For example, you bought $ 10,000 at the rate of 57 rubles / dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.As a result, after the exchange, you received 600,000 rubles, and the income, respectively, was 30,000 rubles (of which the broker's commission is about 600-800 rubles).
You can trade on Forex either yourself or give money to the management of professional traders (this will be described in detail in the next section of the article).
When trading currency on your own, it is very important to have trading experience and s knowledge of the foreign exchange market ... Climbing into the foreign exchange market just like that, in the hope of easy money is not worth it (and when I did exactly that), as it usually leads to serious losses.
It is important to note that in personal trading, you need to follow a proven trading strategy, otherwise the trade is likely to turn into a casino and lead to a sad outcome known in advance.
But on the other hand, if you observe risk (money management), manage emotions and trade solely by strategy, then you can really make good money on Forex. But this needs to be learned!
Although you can start at Forex with minimum amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% in a month (which is very good), the profit will not be so big.
As for me, one of the most effective strategies for trading day bars is Price Action. Many articles have been written about her on the Internet - read it for anyone interested!
Among reliable brokers, you can choose, for example, Alpari or RoboForex.
OUTPUT: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can get high returns. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below! 👇
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 100% per annum and above | depends on the strategy (initially has a high risk) | 1-7 years old | from 100 rubles |
| (⭐️⭐️⭐️ - high / medium) | (⭐️⭐️⭐️ - high / medium) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) With an effective strategy, you can get high returns. | (+ ) Low entry threshold and availability. | (- ) High risks, especially for beginners. It is possible to lose significant money in a short time if the risk is not managed. 99% of newbies lose their money. | (- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period. |
Option number 7: Own / partner business
DESCRIPTION:
And this, in my opinion, is one of the most profitable ways of investing, which can bring you more than one hundred or even a thousand percent of income!
Of course, in most cases, business requires a personal presence. But on the other hand, a business can be automated or simply invest in someone else's business at the stage of development.
Alternatively, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).
Moreover, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and aspiration! 😀
I myself have started a successful business several times from scratch! By the way, if we turn to statistics, then among millionaires about 70-80% Are entrepreneurs who started a business from scratch!
✅ Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!As Confucius said:
« Choose a job you like and you won't have to work a single day in your life!«
And how to find your favorite job / life's work - read.
If you do not yet have a stable source of income, then first of all think about creating a business, even if it is small at first. The main thing in this business is not to be afraid take the first step!
Think you have always wanted to open your own body shop, hairdresser, sporting goods store or handicraft store?
Here are some more helpful tips:
- Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
- Choose niches with minimal competition - they are easier to start there.
- If you have little start-up capital, it might be worth trying a service business.
I will also give you several options from my experience of how you can start a business with minimal investment, I think it will be interesting for you! 👇
Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell products through ad platforms (the most popular is Avito). That's where I started! 🙂By the way, goods from China are now very popular, where the margin can reach up to 500-3000%. Including such products are successfully sold through the Internet (one-page).
Another area where large investments are not required and it is not so difficult to start is the wholesale business via the Internet.
Moreover, both in the case of wholesale and retail sales, the goods do not need to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).
In short, the essence of dropshipping is that you work with a supplier who ships directly to the customer. He sells his goods and from this he has income, and you get your margin on the sale.
Read more about how to organize - read in a separate article!
OUTPUT: The business is able to bring very high returns with minimal investment. In addition, a business can be turned into a favorite activity that is interesting and you want to do it!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 1000% per annum and above | Initially high risk | from several months to 1-5 years | from 10,000 rubles (you can even start from scratch) |
| (⭐️⭐️⭐️ - high / medium) | (⭐️⭐️ - medium / high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low / medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) One of the highest returns among all investment instruments. | (+ ) It is easier for business to find partners and / or co-investors. You can start without big investments, the main thing in business is the idea! | (- ) High initial risks. 7-8 out of 10 start-up businesses are closed within 2-3 years. Low liquidity - it is difficult to sell a business quickly. | (- ) You need to understand the business and understand how it works, even if you are investing in "someone else's" business. You constantly need to learn. |
Option number 8: Mutual investment funds
DESCRIPTION: UITs can also be attributed to trust management, which we have already talked about a little.
UIFs are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).
Absolutely any person can become a depositor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, the shareholders receive a profit or loss.
It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.
Mutual funds usually give low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds over 11 months:
Profitability of mutual funds for 11 months
However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.
But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year.
The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example, Sberbank.
If this type of investment is suitable for you, then it makes sense to choose not one unit investment fund, but several in order to distribute possible risks.
And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With such a simple action, you will protect yourself from unreliable and fraudulent organizations.
OUTPUT: Mutual funds can be considered as an alternative to brokers who also invest mainly in the stock market. In the absence of a crisis, they usually also bring good returns.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 12% to 30% per annum | moderate | 3-10 years | from 1,000 rubles |
| (⭐️⭐️ - medium) | (⭐️⭐️ - medium) | (⭐️⭐️ - medium) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The average yield exceeds the interest rates on bonds and deposits. | (+ ) Low entry threshold, as well as control over the activities of mutual funds by the state. | (- ) There is no guarantee that you will receive income. There is an additional "commission" (markup) for the purchase / sale of shares. | (- ) You will have to pay 13% income tax - many other investments have preferential tax conditions. |
Option # 9: Microfinance Organizations (MFOs)
DESCRIPTION:
Another type of investment is investing in an MFI. The return on such investments on average ranges from 12% to 30% per annum.
The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).
The longer the investment period, the higher the interest rate. The minimum term in an MFI is usually 3 months.
It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.
If you nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.
⭐️ Good advice!
Look primarily at the “age” of the MFI, not the interest rate that you are promised.After all, it is better to invest in a reliable organization at a slightly lower interest rate than in a newly emerging MFI with a high interest rate.
Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFO.
If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and safer to invest in real estate than in an MFO! 😀
And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others! 😉
OUTPUT: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But at the same time there are corresponding risks. And the entrance threshold is rather big, to put it mildly.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 10% to 30% per annum | moderate | 3-9 years old | from 1 million rubles |
| (⭐️⭐️ - medium) | (⭐️⭐️ - medium) | (⭐️⭐️ - medium / low) | (⭐️ - high) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High rate relative to bank deposits. | (+ ) Income passivity. Minimal participation on your part. | (- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles. | (- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. Fraud is present. |
Option number 10: Precious metals
DESCRIPTION: Another well-known type of investment is investments in precious metals, in particular in gold. Moreover, such investments are highly reliable!
Investing money in gold and other precious metals is especially important to invest during a crisis, since this is where money from the stock market migrates.
Gold coins / gold bars can be purchased both in almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).
Despite its high reliability, investing in gold is more suitable for preserving available funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.
Gold Prices - Chart
❗️ Over the past 5 years, gold in rubles has grown from 1,600 rubles per gram to 2,400 rubles / gram.
Total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and this profitability was obtained thanks to serious devaluation of the ruble.
However, if you look at the dynamics of gold against the dollar, you can see that gold after 2012 has dropped significantly in price and is currently in a sideways trend.
OUTPUT: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to preserve them.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 3% to 15% per annum (in a crisis the yield is higher) | Minimum | 7-20 years old | from 1000 rubles |
| (⭐️ - low) | (⭐️ - low) | (⭐️ - low) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High investment reliability. There are practically no risks of gold depreciation. Easy to buy / sell at any time. | (+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a crisis. | (- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years. | (- ) Relatively high commissions of banks / brokers when buying / selling precious metals, incl. gold. |
Option number 11: Cryptocurrencies (bitcoin)
DESCRIPTION:
Over the past, Bitcoin has grown more than times and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.
Of course, the best time to invest was a few years ago, when Bitcoin was worth about 150-200 dollars.
Some experts claim that in the future, bitcoin may cost hundreds of thousands of dollars and even possibly reach $ 1 million.
Others argue that Bitcoin will crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably grow in value.
Moreover, while cryptocurrencies are showing a steady growing trend.
But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.
For example, Bitcoin in just a day can rise or fall by 10-25% - this is quite common here. And in a year you can both increase your investments 3-10 times, and lose almost everything!
OUTPUT: On the one hand, cryptocurrencies are too risky a tool, and on the other hand, if they grow, they can bring huge returns. Whether or not it is worth investing in it, everyone decides for himself, one thing is clear - it is definitely not worth investing all your money in them!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 1,000% per annum | elevated | from 3 months to 1-5 years | from 100 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) In case of growth of cryptocurrencies, it is possible to multiply the invested funds in a short time. | (+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency. | (- ) There is a very high volatility of cryptocurrencies, in a matter of days they can both grow in price and seriously collapse. Low predictability. | (- ) Cryptocurrencies are not backed by anything, as this is another bubble. Complete absence of guarantees - in case of loss of money, no one will return them. |
Option number 12: Internet projects (online business)
DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to make money in this global network.
It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.
At the moment, the following directions are popular:
1. Sites. Information sites are created and filled with unique content.
With minimal investment, it is possible to get high profitability through advertising. Usually, the site starts to bring the first income in 4-6 months.
FROM 1000 visitors per day, depending on the topic, you can earn about 200-3000 rubles in a day. The spread is very large, since what kind of income you get depends on the topic of the site.
Making money on sites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.
But still, at the beginning, you will need to grasp the essence and understand the key details of such a business.
2. Social publics. Surely, almost every one of us is subscribed to some community on social networks (VKontakte, Facebook, classmates ...).
In the meantime, the owners of such publics also earn mainly from the publication of advertising posts. In pubs with millions of subscribers, the cost of one ad post can be worth 2-7 thousand rubles .
Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right topic for a public, post high-quality and interesting content and develop a public, then you won't have to wait long for success!
3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.
For example, if a person who follows your affiliate link opens a current account in a specific bank, then you can earn 2-3 thousand rubles
If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go to advertising.
But in this case, experience plays the main role, without it anywhere!
4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers ...
For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.
For example, if you need to transfer money from Yandex wallet to Qiwi wallet, then the easiest way to do this is using exchangers. By the way, with the help of exchangers, you can also purchase bitcoins.
Exchangers, in turn, charge a small exchange fee (usually 1-5% ). Due to the turnover, a pretty decent income is obtained.
5. Apps for iOS / Android. Recently, Android and iOS applications have become very popular - this is a large segment of the market where a lot of money is spinning.
Therefore, if you have an interesting idea that will be in great demand, then it may be worth trying to create your own application.
❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent partner commissions from airlines.
Even if you don't understand anything about how to create applications, they can be done for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.
Here, as elsewhere, it is the idea that plays a key role - the success or failure of the application depends on it.
6. HYIPs. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.
Such HYIPs offer very high percentages ( 1-5% daily ) on the invested funds, but of course they can function for only a few days or weeks after which they disappear without a trace.
There are HYIPs that “live” for several months or even several years, but the profitability on them is, respectively, several times / tens of times lower.
In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of depositors mainly earn money - who managed to withdraw money with a profit until the HYIP turned into a "scam" (stopped paying money).
And yet, I strongly advise you not to invest in HYIPs, especially if you do not particularly understand this.
OUTPUT: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 500% per annum | moderate | from 3 months to 2-4 years | from 500 rubles |
| (⭐️⭐️⭐️ - high) | (⭐️⭐️ - medium / high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) High profitability. The investment can pay off very quickly. | (+ ) Some projects can be started with minimal investment or completely from scratch, investing only your own time and effort. | (- ) There is a risk that the project will not work and will not pay for itself. | (- ) Knowledge is required. You yourself need to be well versed in the key nuances of an Internet business. |
Option # 13: Venture funds / investments
DESCRIPTION:
Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment instrument.
The essence of venture funds is that they invest money exclusively in projects that are at the stage of development (start-up) or even at the stage of idea.
A distinctive feature of venture capital investments is a very, very high profitability, they can bring thousands of percent!
But on the other hand, only 1-2 out of 10 projects shoot out and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.
☝️ A real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.For 2 years, Apple shares have grown by about 5000 times ! So if you invested in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .
There are basically several ways to invest in start-up projects:
- crowdinvesting and crowdlanding platforms (suitable for beginners);
- venture funds;
- investor clubs.
OUTPUT: Yet venture capital investment is underdeveloped in Russia. And often a large start-up capital is required, and scammers are often found among crowdinvesting platforms (where the entry threshold is not high). Meanwhile, venture capital investments can bring very high returns!
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 40% to 3000% per annum | elevated | from several months to 1-3 years | from 10,000 - 100,000 rubles (to venture funds - from 500,000 dollars) |
| (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - very high) | (⭐️⭐️⭐️ - high) | (⭐️⭐️ - high / medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If successful, you can get the highest yield possible. | (+ ) Large funds are not always required to invest at the start of a project. | (- ) Very high risks, most start-up projects turn out to be unprofitable. | (- ) Fraud is widespread - investment sites may turn out to be financial pyramids. |
Option number 14: Objects of art
DESCRIPTION:
Another unusual way to invest your money is by investing in art. This is a fairly narrow and specialized market, but it can still generate good returns.
It's no secret that certain works of art can cost hundreds or even millions of dollars. And if you really understand art, then on investments you can earn hundreds of percent of the profit.
❗️ The only important feature is that such investments often require large investments ... And besides, in order to get a good return, you need to invest for a long period ( decades ).
Like investments in precious metals, investments in art objects are not subject to inflation and will only cost even more over time.
And the crisis has practically no effect on the value of art objects.
OUTPUT: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 100% per annum and above | minimum | usually 1 to 3-5 years old | from 100,000 rubles and more |
| (⭐️⭐️ - medium / high) | (⭐️ - low) | (⭐️⭐️ - medium) | (⭐️⭐️ - high / medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) You can get a relatively high profitability with minimal risks. | (+ ) High reliability. Over time, art objects only grow in value. | (- ) Often, investing in art requires a large initial capital and involves long-term investment. | (- ) You need to be a specialist, have specific knowledge and experience. |
Option number 15: Knowledge and own development
DESCRIPTION:
No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience ...).
You need to understand that first of all it is knowledge / experience , and not money allows you to earn and increase your own.
I think more than once you have heard stories that most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).
In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow! 🙂
If you have free funds, then it all the more makes sense to invest some of them in your development: attend trainings, webinars and seminars.
One of the most important differences between investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.
For example, an experiment was conducted in the USA: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after a couple of months he was able to earn tens of thousands of dollars from scratch.
OUTPUT: Therefore, if you do not yet know where to invest your money, then the safest option is to invest it in yourself (at least some of it). And do not forget that even a bad experience is also an extremely valuable experience! 👍
| Profitability: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| endless | minimum | from several weeks / months | from 0 rubles |
| (⭐️⭐️⭐️ - very high) | (⭐️ - very low) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) The most important and most profitable asset in the world is knowledge, skills and experience. | (+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money. | (- ) For many, it is difficult at the first stage to motivate themselves to study. | (- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience. |
3. Golden rules of correct investing - TOP-5 tips
And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!
The first , as I said at the beginning of the article, is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.
Instead of investing everything in one instrument, divide the amount equally into several parts. For example, into 3 parts and invest them in real estate, stocks, new business.
If you have very little money, then consider starting your own business.
Second - try to invest most of the funds (40-60%) in assets with the lowest risk, the best choice between profitability and risk, as for me, is real estate.
And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then you should not meddle yourself and invest all your money in high-risk instruments: Forex, stocks, bitcoins ... hoping that you will quickly increase them is by no means worth it.
Believe me, this is a tried-and-true path on which a huge number of people have lost fortunes!
It will allow you to get through bad times and find other sources of income.
Fourth - create passive income so that you can receive money even when you are not working.
Fifth - before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.
It will also be great if you learn to give 10% of your profits to charity.
✔️As Socrates said:
There is only one good, knowledge, and only one evil, ignorance.
4. Where to invest money to make money - specific examples
In this section of the article, I will tell you where, according to my experience, I would have invested money, having available this or that amount of investment!
I will not consider very risky investment options in these examples. Consider only conservative and moderate risk investments.
- Where to invest 100,000 - 200,000 rubles?
100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.
Alternatively, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.
If the risk allows, you can try to invest in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.
- Where to invest 300,000 - 500,000 rubles?
It is also a relatively small amount in terms of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.
If there is an option within this amount to purchase the property during the construction phase, you can invest in it.
- Where to invest a million rubles?
Having 1,000,000 rubles in hand, you can already try to invest in almost any of the instruments described in this article.
For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of the foundation pit.
Or as an option:
- You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust, PAMM-accounts / portfolios, or invest in mutual funds.
- But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
- I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it becomes more expensive in the next couple of years.
- For the remaining amount, you can try to open a business (including on the Internet).
5. Where better not to invest in order not to burn out - important tips on how to avoid fraud
At the end of the article, let's talk about no less important: how not to lose your money and how not to fall for scammers.
The world is full of people who invent various schemes to take money through fraud. Especially in our time, fraud is thriving on the Internet (and not only!).
Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with a nose.
Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, quick payments, very favorable conditions, etc. - all if only people invested their money. 
💡Take note!
Super favorable conditions - this is the very first sign that they most likely want to deceive you! Scammers love to cash in on other people's greed!Money does not come out of nowhere, if someone receives money, then surely someone will part with it!
The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, any plausible story can be created that the project really functions (provides any services), but in fact the organizers of this project only earn from the investments of gullible people.
Sometimes the "history" of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.
HYIPs (which we talked about earlier) in fact are also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to make money on them, but experience is required). Also, here you can add various casinos and other methods that promise "easy" money.
Another controversial investment tool is sports betting... It is possible to make money on them in the long term, but only the organizers of bets and 5-10% of the participants (those who are in the subject) do it, and the rest only constantly lose money.
I will also highlight another type of common fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw your money away (tested on your own skin 😀).
So, invest in something you are good at! Otherwise, those who are well versed in what you do not know will profit from you! This is my sad experience.😞
If you are not yet particularly versed in this or that investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! This will be your most profitable investment!
6. Conclusion
Well, you have learned about all the most popular and profitable ways to invest money.
Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!
I hope my experience for some of you turned out to be at least a little valuable and you have already decided on where to invest your money! 😀
I emphasize once again that in my experience, the most profitable investments are investments your own business / business and knowledge !
❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!
Thank you for reading the article to the end! I wish you a successful and profitable investment! 👍💵👍
P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!
As you know, the situation on the stock market has become very aggravated lately. The fall in the ruble exchange rate did not have a positive effect on the data predicted by experts. Therefore, every person who has their own savings worries about them and looks for ways that can help him save finances due to inflation, and thinks where to invest money with a guarantee. Otherwise, what is of value now may soon become a penny. But there is always a way out, and even now, in such a tense atmosphere, a solution to the problem can be found. Investing in various areas will help not only save your resources from depreciation, but also make money on them.
Currency operations
For a long time, the dollar has maintained its position on the stock exchange. In this regard, many experts believe that the ideal solution would be to transfer all savings into US currency. Perhaps this very move will allow not only to save resources, but also to make a profit in the future. This is exactly the option where it is more profitable to invest money.
If a person is ready to risk his finances, then he can try to make an investment by transferring his money into euros or dollars. The most important factor affecting the value of a given currency is the price of oil. Moreover, the fluctuations in the exchange rate are influenced by political changes on a global scale. Therefore, it is very important, before making a deal, to carefully study all forecasted data and assess the possible risks. And only then will it be decided where it is more profitable to invest money.
It is also worth paying attention to strong conservative currencies. It means something like pounds sterling. But these currencies are more likely to be just a protective mechanism for financial savings. It will be profitable to exchange money later only if you invest in American and European currencies. Taking into account their growth in the future, you can get a good amount.
Create a personal project on the Internet
Since the advent of the Internet, the business world has changed, its horizons have expanded significantly. The world economy is currently undergoing quite serious changes. And a partial reason for this is that many are moving their businesses to a virtual environment. Now, according to experts, financing in the service sector, trade business or in the production of our own products is the most risky business in our time. But the investment in an Internet project can bring good money.
Online stores, blogs, news portals and forums are now considered the most relevant in this market. If the choice of where to invest money in order to make money falls on the Internet, but you have absolutely no experience in this area, then it is best to collect a staff. At the moment, there are many IT specialists who can not only develop the site itself, but also fill it with unique, interesting content. This will determine the attendance of the resource, how much money it will bring, and so on. That is, the more interesting the information is on the site, the more likely the project will be profitable. It is also important that you have promotion specialists working for you. They will be able to bring the resource to the first pages of search engines and attract more visitors. And then this area will really be the one where it is more profitable to invest money.
The main point why the Internet is a profitable investment is that it has no limits. That is, it doesn't matter the opening hours or the geographic location of your business. People from all over the world can become your clients. That is why a project in a virtual environment is a good investment solution, experts say.
Mutual funds
Investing free money in mutual funds is an old technique of people who understand what the market for finance, securities and the like is. Many experts believe that this is the ideal investment solution in our time. The scheme of such enrichment has been practiced for a long time; many young investors made their fortune on such investments.
The essence of a mutual investment fund is that investors collectively invest their money, transferring a power of attorney for their further support to traders with experience in this area. All invested money is collected in a common fund, then you need to find a project manager who will carry out all financial operations in order to generate profit for all investors.
This option is ideal for people who are just starting their investment activities. For an ordinary person, the necessary information is not always available about what economic indicators are in different organizations. Acquisition of securities is not difficult, any novice investor can do it. Difficulties begin when the need arises to start managing them. A professional trader will tell you which stocks to invest in, or better in precious metals and other important assets, whose value has temporarily decreased, in order to then regain their own positions in the financial market.
For a professional search for the ideal investment option, you need to make an effort and focus on the area that interests you. First, it is important to understand what the global economy is and understand all its intricacies. Secondly, you should definitely follow all the news, this is the only way to react in time to important changes in this area. For an ordinary person, this is quite difficult and it is not always clear what to pay attention to and how exactly to do it. Therefore, if there is no experience and knowledge in this matter or there is simply not enough time to deal with it, it is better to find a professional specialist and entrust him to deal with financing and investments. You will not have to worry about the honesty of cooperation with the company manager, because all his activities will be strictly controlled by state bodies.
The property
Buying a home is one of the surest ways to invest money so as not to lose. Prices for it fall very rarely, and in the case of the center of the settlement they also grow. And it doesn't matter if it is commercial or it will be a living space. According to experts, the value of real estate will only grow in the coming years. Therefore, investing in this area, you can get a decent profit. This is one of those options where to invest money in order to receive monthly income.
The ideal investment option would be to buy a living space and rent it out after all the documents have been completed. People using this method to accumulate capital recommend purchasing several rooms or a couple of one-bedroom apartments. Basically, landlords receive from 10 to 20 percent per annum per year. It will take about 10 years for the cost of housing to pay off, and as a result, the apartments will begin to bring a net profit to their owner. But this is still the right option for where to invest money in order to receive monthly income.
This investment tool will be useful for those who have a good start-up capital. The idea is not at all new, so it has long established itself as a good investment option. After all, it turns out that the landlord receives a monthly income from each purchased area.
The main disadvantage in the decision to invest in real estate is the high cost of investing in this area. In addition, unforeseen problems may arise during the transaction that will have to be addressed. But still, such investments are a guaranteed investment option with long-term profit.
The biggest risks in investment projects
It is very important for people who want to make a big profit from their investments to be able to see the perspective of the project. Only by learning to distinguish between profitable deals and fraudulent schemes can you start making investments. There are projects in which it is not worth investing money under any pretext.
All kinds of HYIPs, or, as they are also commonly called, financial pyramids, should be avoided. A famous example of such a scam is MMM. Only the creators of the pyramid can withdraw huge amounts of money from such a project, while the rest become bankrupt in about a year. Experts strongly advise against investing in such schemes.
An investment in an online casino will also be of poor quality. This is a very common type of investment collapse, because many people invest almost all their savings in these projects and end up with nothing. After all, it is almost impossible to win in such a casino, at least a large amount. But you can spend everything in the hope of getting a jackpot. The main scheme of such a business is that people who are prone to gambling invest money there, and at the right time they are not able to psychologically stop, so they lose everything they have.
These are the two most common schemes, where novice investors are offered the notorious "cheese in a mousetrap" practically for free. But our world is arranged in such a way that easy money does not bring a stable income, but, on the contrary, provokes a person to lose everything he has. You shouldn't pay attention to bright advertisements and confidential slogans. It is better to consider more serious and reliable options for where it is more profitable to invest money.
Precious metals
Buying precious metals is perhaps one of the oldest and most widespread ways of investing funds. Most often, the choice of investors falls on the purchase of gold. At the moment it can be exchanged for money in banks, and it is measured in bullion. Usually the price of this precious metal jumps, but, despite this, all investors in this direction have a profit from such an acquisition, and quite good.
It should be borne in mind that transactions of an impersonal type will allow you to purchase gold without paying taxes. And it doesn't matter if you buy it or sell it. But if you decide to buy an ingot, then you will have to pay the state 18 percent VAT.
Nowadays it is popular to buy not only gold bars, but other metals as well. The most common are silver and platinum. You can make a profit from such acquisitions if their value on the world market begins to rise. If you are afraid that you will lose money due to inflation, then gold is the best investment. It is only worth considering that the transaction should be carried out when the price of the metal is at its lowest. Such an investment may not pay off immediately, so it is best to invest free money in it.
Investment in art
If the question is where to invest in order to earn money, then it is worth considering investing in works of art. The main thing that is needed for this is to have an understanding of this area and be well versed in it. Also on your shoulders will lay the need for a constant presence at various auctions and exhibitions, because you have to look for buyers who want to buy this thing.
Investing this kind has its pros and cons. It's no secret that you can buy and sell a piece of art. Moreover, anyone can make such a deal, no matter how old he is or what status he has.
No special permits or documents are required to make a purchase in the art field. If necessary, you can use the services of a professional who is well versed in the art, who will be able to assess the value and authenticate the future acquisition.
The most favorable time for such investments is the crisis. It is at this time that many people, having gone bankrupt or having significantly lost their fortune, begin to give away such things at a low cost. The main disadvantage of investing in art is the long-term profitability. Sometimes finding a buyer can take years.
Own business
Investing money is very profitable in the development of your own or other people's projects. According to experts, this is one of the most effective ways to make a profitable investment. Of course, this area is one of the most profitable, but in order to achieve a positive result, you will have to work very hard and seriously tackle the issue. And do not go wrong with which business to invest money in.
Experts say that the first and most important step in this matter is to estimate the initial investment amount. It will be on its basis that it will be possible to make assumptions whether it is rational to invest in this project, and how it will be, profitable or unprofitable.
Also, the profitability of such an investment is influenced by many external factors, the main ones of which are competition, dishonesty of suppliers and employees, as well as constant changes in the country's legislation. The main thing is that the money invested in the business brings a net profit.
As for the question of what kind of business you can start with a small amount of investment, there are several commonplace options. First, you can try to open a grocery store or offer services for the production and installation of windows and doors. Secondly, you can try to organize your own farm by buying a land plot in the countryside. There can be a lot of options where to invest small money, the main thing is to understand what you would like to do and make sure that this is a really profitable business worth investing in. If you are not well versed in the matter, it is better to use the services of professionals who can advise you on the best option.
Bank deposit
In recent years, a very common option for protecting money from inflation is considered to be the decision to profitably invest in a bank at interest. You won't be able to make a lot of money on such an investment instrument in any case, but inflation will definitely not spoil the mood.
If you still haven’t decided where you would like to invest, this option is worth considering. The main thing is to find in which banks it is profitable to invest money. We need to look for those structures that can survive any crisis. The easiest way is to work with private organizations. If you have such in mind, then you can go there and open a deposit account at interest.
Naturally, there are risks of such a decision where to invest money. Expert advice - open a deposit for no more than three months, but at the same time indicate in the agreement that you want to capitalize interest and want the rollover to occur automatically. It is definitely worth clarifying that you reserve the right to receive your money back at any time if necessary, even if the term of the deposit has not yet expired. This is the only way to profitably invest in a bank at interest.
If it works stably, then good dividends await you. If there are any problems or there is a risk of bankruptcy, then it will be possible to take the money and open a deposit in another, more reliable place. If you take deposits into account, then this is a good option for where to invest your money. Expert advice - carefully read all contracts and follow the news about the state of the bank.
conclusions
The world market is now quite unstable, so it is important to be able to make rational decisions in times of crisis and be able to work and adapt to a variety of changes in the economy and legislation. Having considered many options, we can safely say that it is possible and necessary to save money from inflation and even make a profit from them. But it is very important to understand the area that will become the main one after funding.
Only by understanding what you are dealing with can you achieve positive results. In addition to positive aspects, there are also negative ones: these are multiple pyramids and other fraudulent schemes that can cloud the mind of a beginner, inexperienced investor. Therefore, without experience and the ability to understand business, it is best to hire specialists who are able to soberly and sensibly assess risks and choose the right decisions regarding all investment operations.
The world market is growing every year; recently, many new, promising areas for investment have appeared. Therefore, beginners and not only investors have a lot to turn around. The main thing is to objectively assess your capabilities and calculate all the options for the development of events, so that the investment turns out to be profitable, and not unprofitable.
Investing even small amounts can effectively multiply money. Many people do not dare to try this type of earnings, citing their incompetence in this matter, as well as the lack of thousands of start-up capital. Although such indecision is actually the main obstacle on the way to success, because today you can start making money on investments with $50 in the pocket.
The idea of \u200b\u200bmaking money work instead of yourself is really good, but how to implement it, where to start investing for a beginner and how to choose the ideal option? More on this and others below.
Why would you want to invest today
The moment will comewhen you do not want to go to work at 7 am, or leave for a month on a trip, but will your job allow you? What if you get sick and can't go and make money? In order not to be a slave to yourself, it is better to start investing today.
Why is it beneficial? The best answer to this question is given by Western financiers. They deduced the following golden Rule:
A person cannot work 24 hours to make money, while money can work for him 24 hours a day.
And without vacation, sick leave and days off. Money works constantly in the mode 24/7/365 , and therefore a priori are the most effective employee.
Many popular investors believe that bank deposits are not investments, but let's look at an example of a deposit 1000 rubles under 12% annual for 50 yearsand all profits will be reinvested:
- In 3 years - 1400 rubles.
- After 4 years - 1570 rubles.
- After 10 years - 3100 rubles.
- After 20 years - 9640 rubles.
- In 30 years - 29,960 rubles.
- After 40 years - 93,050 rubles.
- After 49 years - 258,040 rubles.
- After 50 years - 289,000 rubles.
50 years from now 28,900% in profit. Let's move on... If, under the same conditions, we invest $1000 to the securities market, where the average yield 20% per annum, then in 50 years we are expected $9 100 440 ... If we invest $ 1000 monthly, the result will be $40 000 000 .
If we take as a basis 10 years, which is not much ( for example, your child will not have time to grow up yet), and invest $ 1000 at 50% per annum (average percentage of profit in) with reinvestment, then we get the following picture:
- 1 year - $ 1,500
- 2 years - $ 2,250
- 3 years - $ 3,375
- 4 years - $ 5,062.50
- 5 years - $ 7 593.75
- 6 years - $ 11 390.62
- 7 years - $ 17,085.93
- 8 year - $ 25 628.90
- 9 year - $ 38 443.35
- 10 year - $ 57,665.03
Everyone has their own opportunities, but imagine if you initially invest a little more and report money throughout the investment period, then the results will grow exponentially.
How to start investing correctly from scratch
Before proceeding directly to investments, you need to clearly determine the estimated time frame, available budget, goals, how much money you will take, and how much you will reinvest.
Since this article was not written for oligarchs or professional investors ( they already know everything), we will focus on starting from scratch. First of all, you will have to start with theory - to study and, if possible, entice the experience of other well-known investors:, etc.
How to start investing from scratch? - First of all, you need to choose the right tool. In total, the following list can be distinguished:
A suitable option should be consistent with both financial capabilities and expected returns. For example, investing in real estate or land involves a long term and a significant amount, while investing in may require only 45 dollars, but in any case, you will need a certain start-up capital, which should be taken from free money, that is, without loans, not from money for food or paying bills, without worsening your standard of living.
For beginners with a minimum capital, it is better to start by investing in PAMM accounts and. At first, it is profitable because the money simply will not be idle. also should not be ignored.
So we come to diversify risk: Try to never put all your eggs in one basket, no matter how profitable the instrument is. If you decide to make money on interest from bank deposits, then put all the money in more than one account in one currency in one bank.
An advanced version of how to start investing with minimal risks is to compile your own investment portfolio, that is, to distribute your money between different assets. This can be the purchase of shares of companies from various industries, the acquisition of real estate for various purposes, etc., the main goal is to balance the risks. If several options give a loss, then the profit of the rest will overlap the minus and lead you to profit.
Where would you like to invest your money?
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How much to start investing
The amount of investment can start literally from $10 c - what is available to everyone. However, the return on such an amount will be very low, so it is better to prepare a more solid contribution.
According to most financiers, the optimal amount to start can be considered $500
... Investment giant president Capital One Investing Yvette Butlerbelieves that this figure is not taken from the ceiling.
This kind of money can be collected by everyone - from teenagers who receive pocket money from their parents, and middle-income family people who will simply save 5-10 dollars a week without much harm to the family budget.
In this case, the return on a successful contribution will already be tangible. Her words are also confirmed by the fact that a very large number of brokers set the minimum bar just in the area $500 .
I agree with this opinion and the co-founder of the micro-investment project Robinhood Vlad Tenev... His recipe for success for a beginner looks quite simple - find 500-1000 dollars, buy some inexpensive stocks from “ blue chips", eg, Starbucksand patiently wait for the first dividends for further investment.
You can start investing with almost any amount, since there are also pennies on the market and brokers also offer purchases from $ 10.
CFDs and options are another opportunity to make profit on stocks, and the second option is also fast, because each option has an expiration date, for example, 10 or 15minutes. If in the terms of the transaction you indicate the growth of shares and when the option is closed, the shares will cost more than when buying, you will receive 79% profit.
Check out below how we made money from Tesla stock.
We chose the shares Teslafrom the asset list:
Then they indicated the closing time of the option on 22:10 (in 9 minutes):
It remains to enter the investment amount and indicate the main condition, whether the shares will cost higher or lower at the time of closing the transaction. Now a stable growing trend has taken hold for Tesla securities, while the price touched a strong support line, which means that now the growth will continue, so we indicated in the conditions UP:
If after 9 minutes the price of the shares is higher than at the time of purchase, then we will receive 79% of the profit.
We didn't have to wait long and take a look at the price chart at the time of the option closing:
As you can see, the value of the securities increased, and we received 79% of the investment amount and returned from $ 80 in total $143,2 :
How to start investing for a beginner - instructions
When thinking about how to start investing, it is important not to lose sight of the fact that a good start is extremely important for effective promotion.
In fact, no special secrets have been revealed here. However, there is an opinion that those do not exist at all. After all, even the famous Warren Buffett has repeatedly mentioned that even the most ordinary person can make a small fortune for himself if he clearly sees his goal and patiently moves towards it, without neglecting the little things.
Before you start investing money, it would be useful to read the advice of people who have reached sky-high heights in the financial world and have already written their name in history.
Act.
Bill Gates once said that most people are unable to achieve their financial goals, not because of their intellectual or physical failure, but because they waste their time and energy. Engaging in routine and monotonous work, they kill their potential, but for some reason they continue to hope for luck in the form of an inheritance from a long-forgotten relative or winning the lottery. At the same time, if they spent less on everyday entertainment and invested more, then after 5-10 years they would have the opportunity to quit their hateful job and do more interesting things.
Discipline.
This habit should be developed as early as possible and maintained throughout life. Developing discipline will allow you to control your expenses and consistently go towards your goal no matter what. For example, the richest oil worker of the 50s Harold Hunt to the last he came to work in an old car and ate simple homemade food, which he brought with him in a paper bag. Warren Buffett, even after earning his first billions, continued to live in the house he bought in 1958 for $ 31,500. The essence of this advice is that anyone looking for real investment success must have the willpower to maintain a standard of living that matches their income level. The loss of discipline will turn into a desire to mindlessly spend what you earn, which will inevitably lead to collapse.
Persistence.
The path to investment success is a constant series of ups and downs. The stories of big businessmen who invested millions in stocks and squandered everything in one fell swoop often flash as an anti-example for novice investors. But do not be afraid to invest, and even more so to quit after the first setbacks. With them comes invaluable experience, and investing little by little in different projects, the investor is unlikely to be left behind.
Even the famous admitted that he was on the verge of complete collapse more than once and felt a strong desire to give up everything and be content with the remnants of luxury. But there were always people who dissuaded him and, as you can see now, they were completely right. And the received "kicks" only helped the financier soar even higher.
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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 many 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 ways of earning in it 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 receive an answer about the option associated with mutual investment funds (UIFs). This name covers a special property complex that has no 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 number of shares depends on the amount of investments, the ratio of which to the total amount determines the amount of profit (you invest more, 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. More information about this security can be found 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 provides a certain amount of rights regardless of the 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 thinking about where to invest money at interest in order to have a stable income throughout 2019, then one of the most acceptable options would be a bank deposit.
Let's consider the essence of this option: a depositor (a person who wants to open a bank deposit) transfers a certain amount of money to a credit institution, 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 depositor will receive a fixed amount of profit, regardless of the success of the financial transactions that were carried out 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, the annual percentage for 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 above example does not reflect the whole essence of the contributions, because there are other options. Carefully study the conditions, because the interest can be charged 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 beginner 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 in third position - securities and precious metals - and draw some 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 market situation. 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 following metals:
- platinum;
- gold;
- palladium;
- silver.
This option does not always make a profit (this requires a big jump in price), because the sale 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 should be understood 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. Investing in PAMM accounts
Recommended investments: from 1000 rubles.
Risk: middle.
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 way to make money, which is the most profitable in Russia today. We are talking 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, we can say, you simply trust your money to the trader (manager) who trades them.
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 properly 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 account.
Note!This option has risks that can be reduced 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 is worth noting that PAMM accounts have one indisputable advantage, the essence of which is 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.
This way of earning money should be called profitable in situations where a person can competently analyze the situation and understand whether there will be demand for this property in the future. 1 million rubles is the 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 acquisition, 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 correctly 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 were collected on the advice of experts, but the question of where it is profitable to invest in 2019 in order not to lose, you must answer yourself. Someone prefers more profitable options, and someone seeks to protect themselves from high risks.
Last update: & nbsp 02/18/2020
Reading time: 22 min. | Views: 15546
Good afternoon, dear readers of the financial magazine "site"! Today we will talk about investing. We will tell you what it is and what types of investments exist, where to start and where you can invest money.
From the article you will learn:
- What are investments and what are their benefits;
- What are the most common types of investments;
- What are the advantages and disadvantages of private investment;
- What steps to take to start investing;
- What ways of investing personal finance are there.
The article will be useful to everyone who is interested in investments. Both beginners in the field of investment and those who already have experience will find useful information for themselves.
What is investing and what types of investments are there, where to start and how to make investments correctly, where it is better to invest your money - you will learn about this and not only by reading the article to the end.
1. What are investments in simple words and what are they for 📈
Not everyone understands that absolutely everyone is engaged in investing in the modern world. In fact, even education is special type of investment, since this is a contribution to the future, because it is a high-quality education that will help to find a good job with a decent wage.
for instance, the same principle applies to sports. By exercising regularly, a person makes a contribution to beauty and health. If he is a professional athlete, every workout is an investment in future victories.
Thus, investing reflects the most important rule of human life. It reads: it is impossible to get anything in the future if nothing is done for this in the present.
From here we can deduce the main meaning of investments: they represent mental, monetary, material investments, which in the long term will lead to income in a short or long term.
Unfortunately, in Russia, as well as in the countries of the former USSR, the level of financial literacy is at a rather low level. The result is a lack of correct knowledge about the prospects for financial investments.
Most residents of this region believe that only credit institutions, government agencies, and large companies can engage in investment activities.
There is also an opinion that only very rich people can make money on investments among individuals. In fact, absolutely everyone can engage in investments. For this, it is enough to have a desire, as well as theoretical and practical training.
First of all, it's worth exploring investment concept ... This word comes from Latin in-vestio , which means dress ... It is not entirely clear how the two words are related.
Investing in the economic sense has several definitions. We will give the easiest to understand.
Investment - this is an investment in various tangible and intangible assets for the sake of their augmentation.
Investments are made in various spheres of the economy, as well as in the social and intellectual life of people.
The objects of investment, that is, the property in which money is invested, can be:
- funds from different countries;
- various types of securities;
- real estate objects;
- equipment;
- objects of intellectual property.
In the case of investment, investments are made once. After that, in the long term, you can count on constant profit.
Investing helps to overcome a basic economic rule. It says that the one who keeps money at home, their amount is constantly decreasing.
The fact is that the purchasing power of available money is constantly and inevitably declining. This leads inflation, various economic crises, and devaluation.
Hence the most important the goal of any investment , which consists not only in preserving, but also in the constant increase in capital.
2. What are the benefits of investing? 📑
It is quite possible to spend a minimum of time and effort to generate income. A similar option to earn money is called. All adequate people strive for this way of earning money. Especially it concerns businessmen, and moneymakers, that is, people who receive income using the Internet.
One of the ways of passive earnings is investing in any profitable areas ... In other words, a successful investment allows you to count on the fact that in the end you can achieve the main goal of any sane person, which is to spend as little time as possible on earning money.
It turns out that a person will have the opportunity to do what is convenient for him. Ultimately, a successful investment will lead to the fact that there will be no need to go to work every day and spend most of your time ensuring a decent existence for yourself and your family.
Instead of the man himself his capital will work , the investor will have to receive regular and stable profit.
Many of these statements are very skeptically... This is quite understandable, given that politics and economics in our country are very unstable. But it makes sense to stop doubting, it is best to soberly assess the opening opportunities.
Important to remember that people who are insecure in their own abilities will never be able to get rid of lack of money, as well as from the heavy yoke of an employee.
Many people wonder why someone succeeds, while others cannot get out of the debt hole. The point is not at all about the existing talents, high efficiency, excellent. In fact, it all lies in the fact that some people know how to effectively dispose of their funds, while others do not.
Even those with the same initial assets can end up with completely different returns. This is largely due to the cardinal difference in attitudes towards material, as well as personal resources.
Thus, success can be achieved only if the available assets are correctly directed, in other words, they are invested.
Keep in mindthat what has been said applies not only to money and property, but also to mental abilities, energy, and also time.
A smart and profitable investment brings the following benefits to life:
- profit that does not depend on time costs;
- financial independence;
- free time for family activities, hobbies, travel and other things;
- a stable future in which you can be sure.
By investing wisely, you can forget about the need to spend a significant amount of time to meet your needs. Do not expect that absolutely nothing will have to be done, it will be necessary study , analyze , and to risk .
Nevertheless, sooner or later, such efforts will give positive result... As it can be stable profit ... At first, most likely it will only be an additional income, but gradually it will be able to become the main .
In addition, invaluable experience will be gained in the investment process. It will definitely come in handy in the future, even if you don't succeed in making substantial money. By the way, in one of the articles we wrote, without attachments.
Classification of forms and types of investments
3. The main types of investments and their classification 📊
Investment is heterogeneous. A huge number of their types can be distinguished. Moreover, each of them has unique characteristics.
The variety of criteria according to which investments can be described leads to the existence of a large number of classifications. We will tell about five basic.
Type 1. Depending on the investment object
One of the most important characteristics of an investment is the object in which the funds are invested.
The following classification is based on this feature:
- Speculative investment imply the acquisition of an asset (securities, foreign currency, precious metals) for their subsequent sale after the increase in value.
- Financial investments - capital investment in various financial instruments. Most often, securities are used for this purpose, as well as mutual funds.
- Venture investments - investments in promising, actively developing, often recently created companies. In this case, they are expected to start generating huge profits in the future. Read more about it in a separate article in our magazine.
- Real investment imply the investment of funds in various forms of real capital. This can be the acquisition of a land plot, investments in construction, the purchase of a ready-made business, copyright, licenses.
Type 2. By investment term
For investors, it is of great importance for what period of time their funds will be limited in their use. In other words, the term is important, that is, the time for which the money will be invested.
Depending on this feature, the following types of investments are distinguished:
- short termfor which the investment period does not exceed a year;
- mid-term - investments for 1-5 years;
- long-term - the money will be invested for more than 5 years.
A separate group can also be distinguished annuity investment that can be done for any period of time. Moreover, the profit from them comes periodically.
A prime example are bank deposits with monthly transfer of interest to a separate account.
Type 3. Depending on the form of ownership
If we consider the entity that invests as a classification criterion, we can single out:
- private investment - investments are made by an individual;
- foreign - funds are invested by foreign citizens and companies;
- public investment - the subject is various state bodies.
There are situations when not all invested money belongs to one entity. In this case, they talk about combined or mixed investment.
for instance , part of the invested money belongs to the state, the rest - to a private investor.
Type 4. By risk level
One of the most important indicators of any investment is the level of risk. Traditionally, it is directly dependent on profitability. In other words, the higher the risk, the more profit the investment instrument will bring.
All investments are divided into three groups depending on the level of risk (arranged in ascending order of the degree of riskiness):
- conservative;
- investments with moderate risk;
- aggressive investment.
Despite the fact that there are investors who, in the pursuit of high returns, agree that their investments are exposed to high risk, most still avoid high-risk investments. It concerns how newbiesand experienced investors.
The solution to the problem can be diversification , which, although it does not help to completely eliminate the risk, can significantly reduce it. Diversification is understood as the distribution of capital among several types of investments.
Type 5. By investment purpose
Depending on the intended purpose, the following types of investment are traditionally distinguished:
- direct investments imply the investment of capital in the field of material production, sale of goods and services, the investor usually receives part of the authorized capital of the company, which is at least 10%;
- portfolio involve investing in various securities (usually stocks and bonds), active investment management is not expected;
- intellectual involve investment by the company's management in training employees, conducting various courses and trainings;
- non-financial investments - money is invested in various projects (equipment, machinery), as well as rights and licenses.
Thus, there are several classifications of investments depending on different criteria.
Due to the variety of types, each investor can choose the type of investment that is ideal for him.
4. Advantages and Disadvantages of Private Investment 💡
Like any other economic process, private investment has its own pros and minuses ... It is important to carefully study them before starting any investments. This will help further improve the efficiency of the process.
Pros ( +) private investment
The benefits of private investment include:
- Investing is one of the types of passive income.This is the most important investment advantage. It is for the sake of passive income most people start investing. An investor spends much less time and effort to obtain equal amounts of money than one who actively works as an employee.
- The investment process is very interesting and also helps to learn new things.Awareness of investment activity is to increase financial literacygaining experience in working with various investment instruments. At the same time, traditional wage labor is monotonous, which is largely why it becomes hated. In this regard, the investment benefits significantly.
- Investing allows you to diversify your income.Traditionally, each person receives income from one source - wages from the employer or retirement... Less often, one or two sources are added to them, for example, apartment rental income... At the same time, investing allows you to distribute capital between an unlimited number of assets, which will make it possible to receive income from various sources. Thanks to this approach, you can significantly increase the security of your personal or family budget. It turns out that in the event of loss of income from one source, funds will continue to flow from others.
- Investing provides an opportunity to realize oneself and achieve one's goals.Practice proves that it is investors who have the most chances to achieve their goals, as well as to become successful. This is due to the fact that exactly investing allows you to achieve material well-beingas well as free up a significant portion of the time. This time can be spent on family, hobbies, self-realization. It is investors who are most often at the top of the richest people 'ratings.
- In theory, the income generated from the investment process is unlimited.Indeed, the amount of active income is always limited by how much time and effort was spent. At the same time, there are no such restrictions with passive income. Moreover, if in the process of investing the profit is not withdrawn, but reinvested, the return on investment will increase according to the formula of compound interest.
Minuses ( -) private investment
Despite the significant number of advantages, investments have disadvantages.
Among them are the following:
- The main disadvantage of investing is risk.Regardless of which investment instrument will be used, there is a possibility of full or partial loss of the invested capital. Of course, if you invest in reliable assets, the risk will be minimal, but still it persists .
- Investing is fraught with nervous stress.This is especially true for beginners. Often, the value of the instrument in which the funds were invested moves in a different direction than the investor would like. Naturally, this leads to the formation of a loss, even if it is temporary. In these situations, investors are exposed to serious psychological stress.
- A large amount of knowledge is required for a successful investment.It will be required constantly to learn and improve oneself... On the one hand, the acquisition of additional knowledge is a useful process and no one will be superfluous. On the other hand, this will take a lot of time. Besides, it is important to have desire and self-discipline , which not everyone has. At the same time, in the absence of the necessary knowledge, private investment becomes like wandering in the dark.
- The investment process most often does not guarantee constant profit.There are very few tools that guarantee income. More often, investors have to focus on forecast values, which cannot always be achieved in the event of a change in the market situation. Moreover, sometimes private investment leads to education loss ... In comparison with investments, various options for active earnings give more guarantees of obtaining a constant amount of income.
- To start investing, you need money capital.Moreover, if it is planned to live with dignity and support a family from the profit received, the amount of investment will be very significant... It can take a significant amount of time and effort to create such capital.
Thus, comparing advantages and limitations investment, we can conclude that the pros still outweigh the cons .
Of course, it is up to everyone to decide whether to invest in capital. However, we believe it is better to invest.
For starters, you can use small amounts and instruments with minimal risk.
How to invest money correctly in 5 steps - instructions for beginners (dummies)
5. How to Invest Money - A Step-by-Step Guide to Investing for Beginners 📝
Many novice investors are wondering how to effectively start investing. That is why further in the article we give step by step instructions... It will help anyone who wants to take the first steps in investing and thereby achieve their financial goals.
Of course, the initial situation is different for each investor. However, there are general rules that need to be followed, they are useful for all cases and every investor.
To start investing, you need to overcome {!LANG-82e16f3cd28686279a80b11a01556f08!}{!LANG-b1bf586a0c196dde32e39ffa5d772c51!}
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