Where to invest free funds. Where to invest money, or the most profitable investments

Real estate, business.

Bank deposits (deposits)

This is the easiest, most elementary and reliable way to invest. You give yours to the bank under certain percentage. Bankers “scroll” this money by investing in other financial instruments. For which you receive a predetermined percentage of profit.

For example, you invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but already at 20% per annum. As a result, the bank in a year returns your funds to you with accrued interest, and pockets the remaining difference.

The advantage of investing in a bank is that you know exactly how much money you can receive after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular investment on deposit calculator, and also if you need to calculate the amount of overpayment for a particular loan, then use loan calculator.

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way to invest. In short, mutual funds are a collective financial instrument, when investors' money is invested in one big pot and then professional managers multiply this one big amount of funds by various methods.

Shareholders' funds (as those who have invested their money in mutual funds are called) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but they are managed. Any fool can just buy shares. The task of professional managers is to find such stocks that have fallen in price at the time of purchase and there is a possibility of their further growth.

In order to determine this probability, technical and fundamental analysis is used, economic situation both in the world and in a single region, news is tracked, as well as many other parameters that are too complicated for a simple layman.

This is the essence of mutual funds, to save people ignorant of these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is easier to transfer this money to those people who have plunged into the topic of investing with their heads and have a lot of experience behind them. At least at the initial stage.

Further, as your experience in financial matters grows, you can start buying stocks, bonds and other investment instruments on your own. More on this later, but for now let's get back to mutual funds.

Compared to other financial instruments, investing in shares is more profitable in the long run, but at the same time very risky.

Here you need to constantly keep abreast, monitor the situation in the markets, so as to prevent the loss of capital in a strong fall financial markets that occur during all sorts of crises.

To more clearly understand what profit can be made on shares, watch the video “How to earn 678% profit on Sberbank shares”.

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are not inclined to risk. It is very difficult to get a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, this financial instrument is difficult to name profitable investment funds.

However, this does not mean that bonds should not be invested. The fact is that it is not recommended to “keep all your eggs in one basket”. Experienced and successful investors always spread their funds in several different instruments in order to reduce their risks.

Imagine that you have invested all your money in stocks, but after a while there was a crisis in the market and their prices fell. Along with this, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but you will win on other instruments. But back to bonds:

A bond is a debt issuance security that confirms the right of its owner to receive a certain amount of money from the issuer.

And in order to understand how to properly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from English.FOReign EXchange- exchange foreign exchange) is a market for interbank currency exchange at free prices.

The essence of forex is speculation with currencies various countries. For example, you bought 100 euros for 90 dollars. And after some time they sold these 100 euros for 120 dollars. Thus, earning $ 30 on this transaction.

Forex trading is always going on currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state does not receive profits, but the country needs to be supported somehow. Since Greece is part of the European Union (EU), everything in this country is sold and bought in euros.

Thus, the instability of the economy of one state influenced the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro against the currencies of other states. It is on such movements that money is earned in Forex.

This method of investing can be called profitable only if you yourself trade on Forex, when you already have extensive experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune in forex. But those who tried to get rich on this and went bankrupt - millions. Draw your own conclusions.

Cumulative life insurance

This way of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program to accumulate, preserve and increase your capital.

If ordinary insurance simply pays you a certain amount in the event of an insured event, then in this case, if nothing happened during the entire period of the contract, then you will be able to receive either the entire amount accumulated over the years in full, or receive monthly payment until the end of life.

OFBU

OFBU stands for Banking Management General Funds. In fact, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing in OFBU you have the opportunity to increase profits through wider investment combinations. On the other hand, it is more risky.

There were cases when OFBU showed a yield of 600% per annum. However, the main problem lies in the fact that the activities of OFBUs are not regulated by legislation, which is why they are less subject to control, unlike the same mutual funds.

There are also cases when the short-sighted activities of managers led to the complete collapse of the OFBU.

You can read more about the activities of general funds of banking management here:. I would add on my own that this moment in OFBU it is best to invest such an amount of funds that you will not be sorry to lose if something happens.

hedge funds

I must say right away that in our country this is a relatively new and not sufficiently developed financial instrument, which is available only to wealthy clients.

The minimum entry amount here starts from a few hundred dollars to a million. In the West, hedge funds are very popular.

Hedge funds do not have a clear regulation, which allows them to freely choose enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super profits and huge losses.

One of the most striking examples of hedge funds is the Quantum fund, founded by the notorious , who was able to make a profit equal to $ 1 billion in a day!

Structural (structured) products

A structured (structural) financial product is a complex financial instrument that is issued, as a rule, by commercial and investment banks and created to meet the specific needs of customers.

This financial instrument became especially popular during the crisis. After all, when you invest in a growing market and constantly get good profits, this is one thing, but when the situation on the markets is not stable, especially during crises, many investors are trying to find reliable ways to invest funds that will give them more profit than bank deposits.

The essence of a structural product is simple - part of the funds, as a rule, 80-90% is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst case scenario, to stay with your money and not lose anything, at best, make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

But again, nothing to compare it to. For example, the most successful investor in the world, Warren Buffett, has been providing his clients with about 24% per annum over the past 35 years. 24% per annum does not seem to be much, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal has been a symbol of wealth and power, so it has become the cause of quarrels, robberies, murders and even wars.

Gold should not be regarded as the most profitable way investment, even though last years it has gone up in price a lot. The fact is that most often gold acts as a refuge for investors in difficult times.

When crises dominate the world, in order to wait them out, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis recedes, investors immediately look for more profitable ways to invest. This is the reason for the rise in the price of gold in difficult times. But then, the price of precious metals inevitably falls.

Real estate

Real estate has always been a profitable way to invest. Not only that, real estate itself does not depreciate and, as a rule, it only rises in price from year to year. But real estate also allows you to receive passive income from renting it out.

True, there is one serious “but” here, which is the high cost of real estate. In fact, this is an investment for wealthy people. Because of which this method investments should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

True, there are exceptions. For example, you can profitable to invest in real estate at the stage of its construction. At this time, as a rule, there is no need to make full cost for housing and you can pay a monthly certain part.

Thus, if you have the opportunity to contribute required amount and this will not affect the quality of your life, then you can safely look for suitable options. The fact is that during the construction phase square meter housing costs much less than later, when the construction is completed.

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profit changes. The riskier the financial instrument, the higher the return it can bring. However, so is the loss.

Each of these financial instruments has its own advantages and disadvantages. And under various life circumstances, it is worth choosing the best ways to invest. But, personally for myself, I have already determined the most profitable way To invest money is a business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments do not depend on you. They depend, for example, on the current market situation, on conditions determined by other people, on financial results a particular company, from the actions of speculators, from marketers developing certain financial products.

Building your own business is entirely up to you.

This is where you set the rules by which you will play. Here you decide how much income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word is yours, even if you decide to sell it.

In 2007, I opened my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressers, in which I installed a solarium, all the necessary accessories, planted an administrator and began to earn money.

This business has many advantages. I will talk about them in future releases. For now, I just want to draw your attention to the fact that this business has brought me good dividends. For the year I received more than 100% per annum.

It was a great test, during which I was able to show many of my talents. Organizational skills, managerial skills, design talents, tested his advertising vision.

Gone are the days when keeping money in a savings account at a bank was considered the accepted norm. Today, everyone knows that money should not be a dead weight, but work. However, this simple rule is not so easy to implement in practice. It seems to many that a small amount of money is not suitable for investing in a business or project. In this article, we will talk in detail about where to invest a small amount of money in order to receive fixed income.

Experts argue that the problem of investing money is a complex issue more from a psychological point of view than from an economic one. The fear of investing in a project overrides the economic feasibility of the rule that money must work. Especially when it's not a big amount.

People consider the issue of investing money to be the prerogative of very wealthy and successful businessmen. At the same time, investing is a way of investing money, regardless of the amount.

To narrow down the search for interesting and really working ideas for investing money, in this article we will limit the budget to 50 thousand rubles. But this does not mean at all that ideas cannot be used for an amount of 5-10 thousand rubles.

Here it is more important to understand the principle of investing and the essence of the law launched by Robert Kiyosaki that "money should work."

Are we saving or multiplying?

Before looking for an investment option, it is important to clearly define the goal. If the goal is to preserve capital, then the best method would be a bank deposit. But at the same time, a bank deposit is not the best way to capitalize a deposit and make a good profit.

Even at the most favorable interest rates, by the time the contract expires, inflation levels out all economic benefits.

This is where you will have to choose between financial risk and capital growth. It is also important to understand that when investing money in any project that generates income, it is important to wait for the time.

It is impossible to pull money out of circulation, whether it be any business project or investment in mutual funds.

You also need to analyze your financial capabilities and decide on the desired income. Money must be truly free.

Golden rules for successful investing

When thinking about where to invest a small amount of money so that they do not lose them and that they bring income, you need to clearly understand the principle of investing.

The rules of successful investing will help you properly manage your earned money and avoid the mistakes that many beginners make.

Rule number 1. Money must be free

Experts recommend that before any investment of money, secure a so-called "financial pillow". This concept came to us from the West and means a specific amount of money that is necessary to ensure life.

This includes food, utilities and medical services, purchase of gasoline, etc. Depending on the situation in the family, the number of children, you need to calculate how much you need for these mandatory expenses per month. Now multiply it by 6 and get the amount that will be the "financial pillow" for 6 months. It is this period that experts determine the most profitable for investing money.

An exception to this rule can only be passive income from a bank deposit that was previously placed with a bank.

Rule number 2. Having a steady income

When investing money, you must understand that money cannot be withdrawn from circulation. You must have active or passive income in order not to withdraw money from the project for a certain period of time.

Therefore, if you are not sure that in the near future you will receive a constant income, then it is better to refuse to invest.

Rule number 3. Distribution of money in different directions

Considering that we are specifically considering investing a small amount of money, it will be difficult to distribute it in different directions.

But in order to understand the rules of the investment market, you need to know that diversification allows you to minimize financial risk.

Rule number 4. Planning and strategy

Set a clear goal for your investment. It is important to understand how much you want to extract from the capital that you tax and for how long. Write down a long-term and short-term goal. This will allow you to decide on the investment option and choose the most optimal way.

Rule number 5. Learn the types of investing

Before you invest in a project or give it to a professional for work, study everything yourself available ways investing that suits your amount of money.

Compare risks and opportunities. If you invest on your own, you should start with a small amount of money and choose the most simple ways. Over time, by increasing the experience and level of knowledge, you can move to the next level.

You should be careful about offers of quick windfall profits. At first glance, they seem very tempting, but often carry a very high unjustified financial risk.

7 best ways to invest money

Investing in gold or precious metals
Purchase valuable papers
Starting your own business
PAMM accounts

In order to understand the essence of each of these types of investments, their risks and opportunities, let's take a closer look at each.

Investing in gold or precious metals

When it comes to a small amount of money of 1-2 thousand dollars, then buying gold is the best option. But, as in the case of a bank deposit, here we are talking more about the safety of money than about making a profit.

Unlike a bank deposit, by investing in gold, you will be independent of the inflation rate. Gold does not lose value and every year its face value only increases.

The statistics of Sberbank of Russia show the profitability of metal accounts over the past 5 years in the region of 84%. At the same time, the price for 1 g of gold increased by 30% from 2012 to 2017.

When investing in precious metals (gold, platinum, silver), you don’t have to worry that at the end of the contract, you will receive an amount of money that no longer has the nominal value that it had at the very beginning of the deposit.

Considering economic instability in our country and rising inflation, investors recommend giving preference to just such an investment compared to a bank deposit.

You can choose 4 investment options:

buying gold bars;
buying coins;
depersonalized metal accounts;
purchase of shares backed by gold.

The undeniable advantage of such a contribution is the availability of this method.

Here you do not need to have fundamental knowledge in the field of investment in order to calculate the profitability and risks of the project. Silver is purchased in ingots from 50 g to 1000 grams, palladium from 5 to 100 grams.

By signing the agreement, the bank without fail issues a document confirming the authenticity of gold and its estimated value.

What should you know about this type of investment? Gold is a property, which means that when sold to a bank, you will need to pay an 18% tax.

You can get around this moment if you purchase coins instead of gold. The fact is that they are already money in themselves, so they are not taxed when sold.

Another type of this method of investing funds is OMS (impersonal metal accounts). Such an account can be opened in any Russian bank licensed for this species operations.

Video. Investing in gold

The client purchases gold from the bank at the price that is set on the day of the transaction and opens the OMS. The purchase price of the precious metal in the bank will be higher than on the stock exchange.

When opening a special account, the client does not specifically deal with gold. He transfers money to the account, acquiring a certain number of grams. When closing an account, the bank returns to him the cash equivalent of the current account.

At the same time, there will be no need to pay a tax of 18% for gold. OMS are not subject to VAT. Additionally, interest is accrued on an impersonal account, as in the case of a bank deposit.

But a serious drawback is the financial risk. Unlike deposits, such MHIs are not insured by the bank. In the event of a bank failure, Great chance not return your capital.

Summing up, it should be said that investing in gold and precious metals is safe, but not profitable. If you are more of a way to save money, then investing in "gold" is best option with minimal risk.

If we are talking about making a quick profit, then this path will not be the fastest.

long-term investment;
availability;
high liquidity of gold;
precious metals do not lose their value;
passive income opportunity.

when selling gold, you will have to pay tax;
high purchase price precious metals in the bank;
long-term investment;
You won't be able to make big profits right away.

Purchase of securities

This type of investment refers to the purchase of shares and bonds of companies. A security is a document that gives certain rights to property or part of it.

A security has a market and par value. What is the difference? Market price formed under the influence of supply and demand stock market. The nominal value is the actual price declared by the company. It depends on the size of the capital of the company. talking in simple terms, the sum of all authorized capital divided by the number of issued shares of the company.

Dividends are paid to shareholders based on nominal value, not market value. As a rule, the nominal value is a very conditional indicator and rarely coincides with the market value, which is formed by demand.

The advantage of such an investment is that you can count on good income, which does not compare with the annual interest on a bank deposit.

The downside is that in order to manage investments, you need to be well versed in the specifics of the stock market.

Securities are one of the most volatile instruments subject to numerous external and internal economic factors. For beginners who still want to try their hand at investing in securities, experts recommend purchasing dividend stocks. In any case, they will be able to make a profit.

Starting your own business

Many of this type of investment, given the small amount of capital, may be very skeptical. However, today on the Internet you can find a lot of business ideas for starting your own business with minimal investment.

Here is just a short list:

Growing house plants.
Flower shop.
Opening of a nail studio.
Shugaring salon.
Breeding nutria or rabbits.
Production of semi-finished products at home.
Home atelier for tailoring and repairing clothes.
Making gel candles or handmade soap.
Organization of weddings.
Cleaning company.

A mutual fund is a mutual investment fund.

This organization is based on the trust management of depositors' money.

The purpose of such a fund is to manage the funds of investors, while investment processes are handled by professionals.

Simply put, you allow experts to manage capital by investing it in various areas of production.

It should be noted that investing in mutual funds today is no longer as popular as it was 10-15 years ago.

In the early 2000s, the rapid development of such funds allowed their investors to extract up to 500% of the profit from projects. Today we are not talking about such a huge profit, but it is still a good type of investment.

Any citizen who has money to buy one share can invest in a mutual fund.

A share is one part that has its own nominal value. The advantage of such an investment is that you do not need to have fundamental knowledge in the field of economics and finance. search profitable projects will be handled by professionals. At the same time, the mutual fund does not limit the geographical location of the company. So, you can invest in domestic and foreign companies.

Experts here use the principle of diversification. The one we talked about in the basic rules for successful investing.

A mutual fund allows you to invest money in the development of companies engaged in oil production, the sale of cosmetics, the production and processing of goods.

How does the investment fund work?

For example, you have an amount of 50 thousand rubles. You understand that this is not enough to launch a large project. If you find 9 more people with the same amount, then half a million rubles can already allow you to launch an interesting and profitable business idea. But where to find the rest of the participants? Here the mutual fund just allows you to combine the efforts of several investors for competent money management. At the same time, the fund does not limit the amount of the contribution. Anyone can become a participant, and the income will be distributed according to the amount of the investment.

It should not be forgotten that a certain amount will need to be given to experts, because it is they who will analyze the market and determine where to invest money.

Each of the participants of the fund, depending on the amount of investment, receives a certain number of shares. This indicates that each share has its own face value.

With all the money, the fund to which you entrusted the assets buys shares of companies (maybe different companies) and manages them on stock exchange. At the end of a certain period, which is stipulated in the agreement, the participants of the fund can withdraw their profit along with the initial capital invested. And they can only take the profit, leaving the captal to work further.

It is fair to say about the financial risk that exists in this type of investment. Of course, it is, but minimal.

Firstly, professionals who have special education and extensive investment experience.

And secondly, given the principle of diversification, the money will be circulating in different projects. The probability that all projects will immediately “burn out” is minimal.

The good news for those who are afraid to invest in mutual funds is government control. But even in this case, to minimize financial risk It is important to choose the right fund.

Consider several criteria when choosing. Don't just focus on profitability. It can be high performance in a short period or a simple coincidence, a lucky coincidence. If it is the profitability for you that is the main criterion when choosing, then analyze the profitability of the mutual fund over a long period of time.

There are open and closed mutual funds, which differ in entry rules and equity participation.

An open-ended fund is convenient for a minimum amount of equity participation and a short-term investment.

A closed-end fund offers investment for the long term.

Having on hand an amount of 10-15 thousand rubles, you can already safely invest it in a mutual fund and at the same time count on a profit that will grow every year.

Very often, people, having the amount of half a million rubles in their hands, do not come up with anything new, except to place all the funds in a deposit account.

The income from such an investment will be much greater than from a deposit, but only if this fund works well.

experts manage the contribution;
high profitability;
free entrance;
low entry threshold;
possibility of deposit insurance;
state control over the work of the fund;
transparency in money management;
the possibility of withdrawing money with an open form of deposit;
variety of projects.

payment for the services of professionals;
financial risk.

Investing in PAMM accounts

Another option for investing a small amount of money is PAMM accounts. To some extent, this option is similar to a mutual fund in that it pools the money of several investors.

But the main difference is the management of that money. Anyone can become a trader and manage investment accounts. This brokerage companies, which have recently gained great popularity due to intensive advertising in the mass media.

PAMM is a form of money management by one person who "plays" securities on the stock exchange. All other participants observe the process, making a profit in proportion to the money invested.

In order to implement this type of investment, you need to find a professional successful broker. A professional broker is the key to the success of this type of investment. It is important to understand that everything monetary transactions take place without the participation of the contributor.

If you have always wanted to make money on the exchange, but at the same time you understand that you do not have sufficient experience and knowledge, then investing in a PAMM account will be the best option.

Brokers earn their percentage from each transaction, so they are primarily interested in the success of the project. But at the same time, they do not invest their money, which means they do not bear financial risk. For an investor, investing in a PAMM account is a good opportunity to receive passive income.

Video. Investments in PAMM accounts

Conclusion

Of course, this list of options for investing a small amount is far from complete. In this article, the information was based on the criteria for the amount of capital of 50 thousand rubles and the lack of specific experience.

Today on the Web you can find many proposals on the topic of investing a small amount. To avoid becoming a victim of scammers, do not consider options financial pyramids. The tempting offer of quick and high profits is always leveled by the fact of the complete loss of one's capital.

Video. Where to invest a small amount of money?

Passive income is what many people dream of, regardless of age, place of residence and other factors. One of the most famous and reliable ways to get 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 money in 2019 to earn money, so we have prepared material for you with detailed consideration various investment options.

5 ways to invest money profitably

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

Let's start considering investment options from the least 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 funds. investment funds(mutual funds). Under this name lies a special property complex, which does not have a legal entity.

Each mutual 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 appearance 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 number determines the amount of profit (the more you invest, the more you get).

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

To redeem units at current value means to exchange securities for money, and the amount will depend entirely on the interest to which you are entitled, it is indicated in the unit.

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

Yes, this investment option can be considered in some situations, but the amount of income it brings, according to past data, is not so large, and the risks of investing in mutual funds are relatively high (you can’t call them big, but there is a chance of a collapse in the market, and this lead to significant losses of shareholders).

4. Bank deposit with interest

Recommended investments: from 100,000 rubles.
Risk: minimum.
Yield: 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 there will be a bank deposit.

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

It is worth discussing such a moment as 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 deposit provides for 10% per annum, then, as you might guess, from 100,000 rubles of the deposit, a person will receive 10,000 profits. Yes, annual interest 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 that the bank will lose its license or go bankrupt. Fortunately, situations like this can be easily avoided if one sticks to one simple rule- apply only to well-known and reliable banks.

Note! The given example does not reflect the whole essence of deposits, because there are other options. Carefully study the conditions, because 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 less, 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.
Yield: below average.

You can endlessly choose a place where it is better for a novice investor to invest, 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 look at the two main options that are in the third position - securities and precious metals, and also draw conclusions.

As for securities, they are of various types:

basic (shares, 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 related to this issue and be aware of the current situation on the market. Thoughtless investments in securities are unlikely to lead to at least some profit, so it is worth considering the second option.

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

platinum;
gold;
palladium;
silver.

This option does not always make a profit (this requires a large price jump), 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 desire of collectors to acquire them, because the circulation of such coins is quite limited. But you should understand that such an investment is designed for at least 10 years, because you need to wait until the coin becomes in demand.

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

2. Investments in PAMM accounts

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

The World Wide Web is incredibly developed, so many people began to ask themselves 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 today in Russia. We are talking about passive income, where it is more profitable to invest money, we will now tell.

PAMM accounts is a term closely related to the Forex market, but do not rush to choose from the methods presented earlier, since such investments do not require a thorough and long study of the market. If you explain the essence of such investments in simple terms, then you can say that you simply trust your money to a 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 correctly divide the profit (what percentage do you have of the amount of the PAMM account, such a percentage of the profit from trading operations will be yours).

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

Note! This option has risks that can be reduced if you know certain. We are talking about the choice of a manager, on which it depends whether you will make a profit or suffer losses.

When choosing, you should rely on the profitability of the account, its drawdowns and many other factors (we advise you to study the schedule 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 on your account, that is, he will only be able to trade with them, and it will be impossible for him to withdraw these funds.

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

We are often asked where to invest a million rubles to earn money without big risks. One of the most well-known ways to the public is the purchase of real estate. In this matter, the main difficulty lies in not making a mistake with the acquisition of an apartment in any new sector, where there will not be strong demand in the future.

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

The disadvantages of the 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 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 share of luck and diligence, it turns out to earn quite a lot.

This material has collected the most popular options on the advice of experts, but the question of where it is profitable to invest money in 2019, so as not to lose, you must answer for yourself. Someone prefers more profitable options, while someone seeks to protect themselves from high risks.

investing even small amounts can effectively raise 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 to success, because today you can start making money on investments with $50 in the pocket.

The idea to make 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 perfect option? More on this and others below.

Why you want to invest today

The moment will come when you don't want to go to work at 7 in the morning, or go on a trip for a month, but will your job allow you to? What if you get sick and can't go and earn 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 came up with the following Golden Rule:

A person cannot work 24 hours to earn money, while money can work for him all 24 hours a day.

And without vacations, sick days and days off. Money is constantly working 24/7/365 , and therefore a priori are the most efficient worker.

Many public investors believe that bank deposits are not investments, but let's look at an example of a deposit. 1000 rubles under 12% per annum for 50 years, while all profits will be reinvested:

After 3 years - 1400 rubles.
After 4 years - 1570 rubles.
After 10 years - 3100 rubles.
After 20 years - 9640 rubles.
After 30 years - 29,960 rubles.
After 40 years - 93,050 rubles.
After 49 years - 258,040 rubles.
After 50 years - 289,000 rubles.

Waiting for you in 50 years 28900% profit.Let's go further. If, under the same conditions, we invest $1000 to the stock market, where average return 20% per annum, then in 50 years they are waiting for us $9 100 440 . If we invest $1,000 every month, 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, we get the following picture:

1 year - $1,500
2 year — 2 250$
3 year - $3 375
4 year - $5 062.50
Year 5 - $7,593.75
Year 6 - $11,390.62
Year 7 - $17,085.93
Year 8 - $25,628.90
Year 9 - $38,443.35
Year 10 - $57,665.03

Everyone has their own opportunities, but imagine if you initially invest a little more, and report money over the investment period, then the results will grow exponentially.

How to start investing from scratch

Before proceeding directly to investments, you need to clearly define the estimated time frame, the budget available, the goals, how much money you will take and how much you will reinvest.

Since the article was not written for oligarchs or professional investors (they all know), 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 match both the financial possibilities and the expected return. For example, investing in real estate or land involves a long term and a significant amount, while investing in may require everything. $45, but in any case, you will need a certain start-up capital, which must 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 minimal capital, it is better to start with investments in PAMM accounts and. At first, this is beneficial because the money simply will not lie idle. should also not be ignored.

Here we come to risk diversification: try never to put all your eggs in one basket, no matter how profitable the instrument is. If you decide to earn on interest from bank deposits, then put all the money in more than one account in one currency in one bank.

An advanced option on how to start investing with minimal risk is to draw up your own investment portfolio, that is, the distribution of their money between different assets. This may 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 block the minus and bring you into profit.

Where would you like to invest money?

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How much to start investing

The amount of investment can start literally from $10 c - which is available to everyone. However, the return on such an amount will be very low, so it is better to prepare a more substantial contribution.

According to most financiers, the optimal amount to start can be considered $500 . President of the investment giant Capital One Investing Yvette Butler believes that this figure is not taken from the ceiling.

Everyone can raise such money - from teenagers who receive pocket money from their parents, to middle-income family people who will simply save 5-10 dollars a week without much harm to the family budget.

At the same time, the return from successful contribution will be palpable. Confirms her words and 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 project on microinvestments Robinhood Vlad Tenev. His recipe for success for a beginner looks quite simple - find $ 500–1000, buy some inexpensive stocks from “ blue chips ", For example, Starbucks and patiently wait for the first dividends for further investment.

You can start investing with almost any amount, as there are penny and penny ones on the market, and brokers also offer a purchase from $10.

CFDs and options are another opportunity to make a profit on shares, 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.

See below how we made money on Tesla shares.

We chose shares Tesla from the list of assets:

Then they indicated the closing time of the option for 22:10 (after 9 minutes):

It remains to make 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 steady growing trend has been fixed behind Tesla papers, while the price has touched a strong support line, which means that growth will continue now, so we indicated in the conditions UP:

If after 9 minutes the value of the shares is higher than at the time of purchase, then we will receive a 79% profit.

I didn’t have to wait long and look at the price chart at the time the option was closed:

As you can see, the cost of securities has grown, and we received 79% of the investment amount and returned with $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 successful start is extremely important for effective promotion.

In fact, no special secrets are revealed here. However, there is an opinion that they do not exist at all. Indeed, 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 managed to write their name into history.

Action.

Bill Gates once said that most people fail to achieve their financial goals, not because of their intellectual or physical incapacity, but because they waste their time and energy irrationally. Being engaged in routine and monotonous work, they kill their potential, but for some reason they continue to hope for good 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 disgusting job and do more interesting things.

Discipline.

This habit should be developed as early as possible and maintained throughout life. The development of discipline will allow you to control your expenses and consistently go towards the goal no matter what. For example, the richest oilman of the 50s Harold Hunt Until recently, 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 a house bought in 1958 for $31,500. The essence of this advice is that anyone who is looking for real investment success must have the willpower to maintain a standard of living that corresponds to the level of his income. The loss of discipline will turn into a desire to mindlessly spend what you have earned, 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 flicker as an anti-example for novice investors. But do not be afraid to invest, and even more so to quit this business after the first failures. With them comes invaluable experience, and investing little by little in different projects, the investor is unlikely to lose.

Even the famous admitted that he was on the verge of complete collapse more than once and had 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 to soar even higher.

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One of the most affordable options "where to invest on the Internet", and sometimes very profitable, is. Then you can look towards the creation or ready-made Internet sites (online stores) for the purpose of further earnings or resale. The purchase of shares (shares) in already existing Internet projects also refers to investments, although they are quite risky, because. You don't know until the end what real goals the organizer is pursuing.

Despite the obvious availability, I do not recommend investing in HYIPs, lending (credit exchanges), binary options, sports betting, because the risks are extremely high. As a rule, in the options proposed above, it is possible to work using electronic payment systems, such as Webmoney, Yandex.Money, Perfect Money, QIWI and others.

Where to invest 100,000 rubles (dollars, hryvnias)

The first thing to do is to identify the risks. If the main goal is to try to keep your savings, more conservative options are suitable, for example, bank deposits, buying precious metals for the long term, investing in antiques. With an amount of 100 thousand dollars, you can add the option of buying real estate.

Considering more profitable, but also more risky options “where to invest 100,000 rubles”, you can pay attention to the purchase of companies (Gazprom, Google, Yandex, etc.), (trust management). You can read more about the pros and cons of these options in the article above.