- Method number 10 - Bank deposit
- Method number 9 - Precious banking metals
- Method number 8 - Acquisition of securities on exchanges
- Method number 7 - Trust management, mutual funds and PAMM accounts.
- Method number 6 - Investing in someone else's business project
- Method number 5 - Open your own business
- Method #4 - Create and Own Your Own Website
- Method number 3 - Investing in real estate
- Method number 2 - Engage in short-term lending
- Method number 1 - Investing in the education of children or your self-education
- A dubious way to invest little money: from 1500 rubles
- 4. Conclusion
This article will discuss how to invest small amounts of money, which, as a rule, the most ordinary citizen of our country has. There is an erroneous opinion that investments are the prerogative of rich people. This is a delusion; almost every Russian can invest small amounts of money.
The expression “money should work” has become quite popular and modern, especially on the Internet. However, it is worth noting that although this expression is popular, but only a few bring it to life. The reason is that most people face certain obstacles and do not know how to overcome them or do not want to cope with them.
The fact that you want to invest requires a certain amount of free funds and the absence of debts on payment cards, loans, and so on. If you still owe someone, then it is better to postpone investing - existing instruments, as a rule, will not give you income in excess of interest rates on bank loans.
The most common problem - the presence of medium and small savings, because they are so small that it is difficult to invest in a worthy and profitable business project.
Therefore, the question arises - where can I invest a small amount? Before answering this and other questions, it is necessary to create a solid basis for the accumulation of funds.
We decided to compile the top ten ways in which you can invest a small amount of money, while not only keeping your savings, but also increasing them.
1. Accumulation of invested capital
Start saving the minimum amount 10% from your monthly income, even if it is a couple of hundred rubles at the beginning. The amount can be more than 10%, but not less.
Even "ridiculous" at first, the money turns into a decent amount over time. To accumulate funds, review your expenses and give up various luxury items and other non-essential expenses.
Depriving yourself of everything will be wrong - you will not be able to hold out long enough. Read more about how to save and save your money in . There we painted - 10 ways to save money, even if you have a small salary.
Saving money to start investing
A very correct decision there will be a transfer of part of the salary to various special piggy bank accounts (it may be worth opening a deposit), such services are often offered by modern banks. You do not see this money and do not have it, so there is no temptation to spend it.
Also, an important condition for normal investment work will be the presence of "NZ". Those. money covering your six-month expenses, the so-called "rainy day reserve".
Everyone can experience temporary difficulties, non-payment of wages, illness or loss of a job.
2. Where can I invest a small amount of money
Before investing money, you should always start by improving your own knowledge on the subject. Study the concepts and terms in the financial markets, find out what analyzes apply to securities (technical or fundamental), find reliable sources of information on the Internet (perhaps books, diaries of private investors) and constantly refer to them. (Cm.
Known all over the world investor Warren Buffett read over a hundred books on investing before the age of 20.
3. Where to invest a small amount of money - 10 reliable ways
Consider the main ways where you can invest a small amount of money, for example, 500 thousand rubles. Let's start with the method that brings the lowest income.
Method number 10 - Bank deposit
This type of investment is very familiar to everyone. However, he occupies only 10th position, the reason is too low income. Although the interest rate often seems tempting, the reality is quite different. The bank rate very rarely exceeds the inflation rate by 3-5%, sometimes not even reaching these figures. Accordingly, the illusion of income is created.
But despite all of the above, bank deposits have some significant advantages. Two of them stand out in particular:
- All deposits in the territory of the Russian Federation are protected by the state deposit insurance program. Therefore, even in the event of a bank failure, the state will compensate your losses. However, it should be noted that the sum insured does not exceed 1 4 00 000 rubles, this amount already includes interest.
- You save your time, and it is always worth a lot. All that is required of you is to bring money to the bank and make a deposit, the financial institution will do the rest for you.
Method number 9 - Precious banking metals
Small savings can be invested in precious banking metals. Often this includes silver and gold, in rare cases there are others.
There are two ways to invest in precious metals:
- First, open an unallocated metal account (OMS).
- Secondly, purchase bullion of precious metals.
In the first case, the client does not "contact" directly with the metals, while in the second case, the client receives the ingots in his hands, using them as he sees fit. A significant advantage of buying bullion is that you can buy it in any weight, which in turn allows you to invest a small amount of money. Bar size starts from 5 gram.
Method number 8 - Acquisition of securities on exchanges
The return on this type of investment is much higher when compared with bank deposits. But it is worth noting that at least a little experience is needed to acquire such securities. Therefore, before undertaking such a method of investment, it is worth paying attention to at least minimal training.
And besides, the unstable situation on the stock market can contribute to the depreciation of the shares of even very reliable enterprises.
Method number 7 - Trust management, mutual funds and PAMM accounts.
This investment lies in the fact that the investor entrusts his funds to brokers who combine the deposits of a large number of investors into one impressive portfolio, after which they use the invested funds at their discretion.
Often these investments are used on stock exchanges and Forex. If we compare the purchase of securities and trust management, then we can say that the second method is much more reliable, due to the fact that professionals use your funds.
Method number 6 - Investing in someone else's business project
Given the fact that we are discussing where to invest small amounts, this option is suitable for investing in small business projects.
However, a logical question arises, what will happen if the business project " burn out Or will something not go as planned?
In this case, it all depends on how the documents were drawn up. Basically, a “burnt out” businessman returns the funds spent to the investor over time.
This may take from several months to several years. But it is worth remembering that the risks of losing everything are quite large. The reason lies in the fact that investor and entrepreneur, very often united by friendly or family ties.
Method number 5 - Open your own business
Although we can say that this is the most difficult option where you can invest small funds, but at the same time it is the most interesting investment. In this case, the risk of losing savings is very high, but if successful, the novice businessman will be fully rewarded.
It is worth noting that owning a business will take a lot of time and effort from a novice investor. Nevertheless, if it was not possible to put your own business on its feet, the acquired experience in running your own business will not be in vain. (We recommend reading -? Business ideas from scratch or without investments)
Method #4 - Create and Own Your Own Website
In a sense, this position is similar to the previous one. Your own website does not require a lot of investments. All you need is:
- invest in building a website
- pay for the initial promotion (website promotion (SEO)),
- open WebMoney wallet,
- register yourself as an individual entrepreneur.
However, it should be borne in mind that although it will not take so much money for all of the above, more than enough time will have to be devoted to this project.
See how to how easy it is to distinguish real ways to make money on the Internet without cheating from fraudulent schemes
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Method number 3 - Investing in real estate
During the collapse of the ruble, square meters become much more affordable. However, this investment tool requires a professional approach.
It is also desirable to carry out investment activities with real estate at the very peak of the crisis. Determine the very bottom, only the pros can. Enlist the support of such a person in your environment. In this case, you can ensure yourself the likelihood of the most profitable purchase.
Method number 2 - Engage in short-term lending
If the 8 methods described above do not fit, or you have not yet made a final decision where exactly to invest a small amount of your funds, then you can lend your savings to your friends. But at the same time, it is worth considering that if you lend, even to your friends, at interest, you are violating the law of the Russian Federation.
It is worth noting the credit exchange WebMoney. With this platform, you can issue a loan without breaking any laws.
The main direction on this platform is short term loans. The rates of such loans are quite good, but there is no guarantee of return.
Method number 1 - Investing in the education of children or your self-education
One of the best investments where you can invest a small amount - self-education .
Investment in education always remains the most relevant and in demand. The reason is that neither age, nor profession, nor place of residence will interfere with you. You will always have the opportunity to improve your skills or learn a new profession.
But it is worth remembering that it is best to get the diploma that you can apply in reality. When choosing a new profession, it is also worth considering your attitude towards it, since it is always better to do what the soul lies in.
It is impossible not to mention the investment in the education of their own children, which is also the most profitable and long-term investment.
Doubtful way invest small money: from 1500 rubles
There are many different projects on the Internet that offer to invest money at high interest rates. We recommend that such projects (hype, various “multipliers” of wallets, etc.) be treated with caution and not trust them. Your task is where to invest and earn money, and not lose it. Therefore, make sure the reliability of the project (type of investment) and only then trust your money. We have described one of the examples of an incomprehensible method below.
Here is the text of the method, which assumes a high return on investment. The essence and purpose of almost all of them is the same, they all work on the principle of a financial pyramid.
“Determine for yourself an acceptable level of commission for investment intermediaries. It could be 2% , and maybe 5% in some cases. Add the commission amount to the amount you are going to invest - this will be your initial invested amount.
If you carefully consider your options, you can find companies that place your investments even without commissions.
Pay attention to hidden commissions, carefully read the purchase agreements. It is best to choose not only no-commission options, but also those that offer discounts for reinvesting the profits. This discount can be up to 5%.
The main difference between these two instruments is that DRIP requires you to own at least 1 share of the issuing company, so DSP is more likely to be used by first-time investors.
You also need to constantly look for new funds with a low initial investment threshold. They usually use an automatic plan for investing and withdraw a certain amount from your personal account for deposits automatically. This is a fairly simple and inexpensive way to build your own stock portfolio.”
4. Conclusion
Let's summarize the question: "where to invest a small amount of money?". Even if you have 500 $ , you can use all popular investment methods.
But in this case, we recommend that you pay attention to investing in PAIs, mutual funds. stock and currency market. pay attention to index funds that operate in the "broad" market. The return on such investments will be about 10% per annum. By choosing a specific fund, you will be able to invest in the future without additional fees.
Don't try on short term price changes. This is the path to the loss of invested funds.
Only an experienced investor can afford to invest heavily in the securities of a particular company, while having a lot of other shares and investment deposits to diversify possible risks.
Option opening a deposit involves