We have to think more and more often about where to invest money to make it work. And this is not surprising: it is easy to invest, it is much more difficult to return the money later. If not to increase, then at least to save savings from fluctuations in exchange rates and inflation is the main task of people. A successful investment of funds makes it possible to receive a monthly stable income.
5 basic rules for a novice investor
Before presenting you with specific options for investing, let's look at the basic rules that you should follow in this type of activity.
Rule number 1. Don't keep your eggs in one basket or diversify.
Investment diversification is the distribution of investments among various investment instruments in order to reduce the risk of losing invested funds.
Those. You don't have to invest all your money in one company. After all, there are always risks and something can go wrong. Allocate your funds across different instruments. Thus, it will be impossible to lose all the money at once.
Rule number 2. Use only YOUR “working capital”.
working capital- this is the money that you debug from the main income, especially for investing.
Those. You should only work with personal funds, do not lend money for investment. If you do not have working capital, but you still want to invest, start saving a portion of your funds every month in the bank or under the pillow (for example, 10-30% of income). Over time, you will accumulate a significant amount.
With the loss of investment, this should not affect you and your family in terms of health and standard of living (although it will affect your mood anyway), so we do not invest our last pennies.
Rule number 3. Return your deposits and reinvest.
The money that your working capital brought in should be invested in other assets. After all, by increasing them, your passive income will constantly grow.
Rule number 4. Don't look for 100% reliability.
You take risks every day, risk is part of our life. Leaving the house there is a chance that you will be hit by a car, so now do not leave the house? And what will you do with a plane that can fall on your house?
This does not mean that you should always and everywhere headlong and thoughtlessly take risks. This means that you must manage risk using rules #1 and #2.
Rule number 5. It pays to spend less than you earn.
Those. you should live according to your possibilities, well, or earn according to your needs, whichever is more convenient for you. Forget about loans, credit systems are only aimed at ruining a person and extorting money from him.
Where to invest money so that they work and make a profit - 14 investment options
We got acquainted with the rules, now it's time to move on to real investment tools. Next, consider what options are available for investing working capital. Let's start.
Option number 1. Bank deposits
The best way to save savings from inflation without much difficulty is bank deposits. Nothing needs to be done, and the amount is growing. Keeping money in a bank cell is much more profitable and safer than “mattress investments” at home. It is important to familiarize yourself with the offered deposit programs before making a deposit. The minimum amount in some banks does not exceed one thousand rubles. This means that even small savings will be saved and will give a small, but income.
And here it is important to remember about inflation. If prices rise above eight percent, the savings kept in the bank will not be depreciated. In reliable and profitable offers are possible:
- early or full withdrawal of funds;
- the presence of a branch of the selected bank in the area of residence;
- the amount of investment in one financial institution - no more than seven hundred thousand rubles, that is, according to the amount of deposit insurance.
Losses from depreciation are compensated by a multi-currency deposit. When one currency falls, the quotes of another rise. So the risk of loss is reduced. Only extremes are not needed: why invest all the funds only in the purchase of currency, albeit in various denominations? The ruble will begin to grow in any case, and the risk of losing invested funds will increase.
Be sure to carefully read all the terms of the agreement before making a deposit. This is necessary to know how big the risk is and what guarantees the organization provides in case of work stoppage. Only with this approach can high profits be achieved and the risk of losses reduced.
Wealthy and successful investors make deposits according to their own criteria. But they have a whole staff of consultants, and they understand the nuances of the market unlike newcomers. Therefore, completely copying their actions is pointless. You won't get exactly the same results.
Option number 2. Currency
Since the “harsh nineties”, the habit of keeping savings at home in foreign currency has remained. Usually rubles were converted into dollars. Now the currency is again becoming a good option. Only it is not safe to opt for dollars, it is better to use the euro or the Chinese yuan. The situation in the United States will have to be constantly monitored.
But it is also dangerous to leave money in rubles: the floating exchange rate and sharp fluctuations in the oil market do not benefit the national currency. And again: experts do not advise storing “all eggs in one basket”. Therefore, the best option is multi-currency savings.
Option number 3. Forex invest
Quotes of securities and the dynamics of exchange rates - the possibility of good earnings. Profits can be high, but such investment, judging by the reviews, is not recommended for beginners. A more reliable tool is PAMM accounts. But even here there are no unambiguous opinions.
"For" and "against" Forex
Forex trading involves a considerable initial investment, and with a complete lack of experience and basic skills, it is better to forget about profit. Permanent income is your own strategy and the fullest observance of its rules in any circumstances. Then the crisis of income growth is not a hindrance.
But learning to develop your own strategy will take several months and even, perhaps, at least a year. And PAMM accounts are managed by experienced traders. They have already completed the training, and the results are impressive. They will work with trusted funds, and the resulting profit is divided in half. An interesting option: the capital is guaranteed to increase.
Forex - earnings on the difference in exchange rates. To obtain a stable income, market knowledge is essential. And using electronic advisor programs is not an option. They helped someone to win, while someone was deprived of all investments. So in order to receive passive income, you will have to undergo training. And the best way out for a beginner is PAMM accounts
Why is a PAMM account good?
binary option is a financial instrument with a fixed cost and a predetermined amount of potential profit.
When you buy an option, you make a prediction in which direction the price of its asset will go (up or down). In the case of a correct forecast, you make a profit, usually 70-85% of the value of your bet, otherwise you lose the amount of the bet (some brokers return 15% if the transaction fails). Those. with a bet of $20, your profit will be equal to $14-17, or you will lose $20.
Well, how can you make money here?
The question arises, how can you earn, and even more so invest, if the chance to “guess” is 50%? It is possible, but only with proper preparation. As Vladimir Ilyich Lenin said: “Study, study and study again” . Without this, binary options are really very similar to roulette.
Option number 5. precious metals
Investments in precious metals, silver and gold remain quite reliable. Prices for them are rising, and therefore the investment is promising. Despite outside influence, palladium retains its position.
But a significant disadvantage is that investments in precious metals are long-term. Therefore, less than a couple of years of investment is meaningless. But not everyone agrees to make a contribution for such a long period without a firm confidence in winning.
To invest in physical metals, you can open a metal depersonalized account or CHI. This is an analogue of the usual account, but without commissions, Palladium, gold, platinum and silver are counted in grams. Prices are set every day, that is, the amount of funds in the account changes constantly. Such investments are suitable for analysts who want not only to save capital, but also to increase it.
Option number 6. Real estate
Where to invest money to receive monthly income? Real estate is in demand at any time. So the way to invest in it is always in demand. Real estate prices are now declining, as the demand for housing among the population is still decreasing. But interest rates are rising. Lending under such conditions is unprofitable, and the owners are forced to lower prices in order to attract buyers.
But the cost of one square meter is so high that neither government subsidies nor special programs to support the construction of economy housing can lower it. It turns out that even if it turns out to start lowering prices, it will not happen soon.
Of course, we are talking only about investing personal funds, not mortgaged or borrowed. Interest payments will completely cross out the hope of income. In this case, the purchase of real estate or land is a win-win option. And in the future, it turns out to acquire additional housing, and receive income from renting out.
And this is understandable. During the crisis, people move from small towns to megacities, and they have to live in rented apartments. Rent is necessary at an affordable price, and the appearance of such an offer is most welcome: it is very beneficial for everyone. So that visitors receive housing, and the landlord income. It turns out that when property prices fall, the price of rent increases.
You can always sell your land for a profit. In addition, the land brings profit to farmers. So using it for its intended purpose, that is, organizing a farm, is also income. Growing agricultural products is both work for oneself and loved ones, and benefits from obtaining fresh products, and income from the sale of their surplus.
Bankruptcy auction purchase
Since even large players tend to buy real estate cheaper, it makes sense to look closely at the objects put up for bankruptcy auctions. Their price is several times lower than in normal conditions.
Option number 7. Shares and bonds
Such an investment is risky even in good times. And in conditions of instability, only professionals can accurately predict which companies will remain, and even that is not a complete guarantee.
To make a profit on shares, the amount of money invested in the purchase of a share package is important. The stock market is unpredictable, as is the behavior of an investor, and neither experts nor professionals can name the size of the profit. The beginning of bankruptcy is a violation of the terms of trade.
To make money on stocks, it is tedious to understand and know how the selected company makes a profit. According to experts, it is important to accurately predict the increase in the price of shares. If after the purchase the cost has increased sharply, it is necessary to sell them. Then a good profit is guaranteed, as well as a positive reputation for a businessman.
If the stock price falls, then you can make money on the fall. It is necessary to act according to the strategy of "short" sales. Shares are rented from a broker. A few days later they are redeemed and again given to the broker. Income - the difference between the cost of selling and buying a block of shares.
An investment portfolio assembled from shares requires constant monitoring of news, monitoring the situation on stock exchanges and timely transfer of funds, that is, activity.
What can be wisely invested in? You do not need to have a significant amount of money to earn income in the stock market. The initial investment amount ranges from ten to thirteen thousand. It is also nice that the transactions are carried out by a specialist under a power of attorney issued to him. However, this does not mean the complete removal of the principal from business: it is imperative to monitor the situation in the country and the world and view analytical calculations.
If you plan a short-term investment, then when choosing a direction, you will have to take into account the entire situation. The purchase of shares of the country's leading companies provides an opportunity for a quick payback on the shares of metal processing organizations and producers of mineral fertilizers. Shares will grow, and this trend will be realized in the future.
Option number 8. Mutual funds: mutual funds
It is also not easy for mutual funds to effectively organize investments. For the most part, they lose more than they gain. But you don’t have to delve into the direction of the movement of funds. This method is a joint contribution of shareholders. One person or a management company only manages them.
Mutual investment fund. Several investors trust professionals to manage their money. Managers invest in the most profitable, in their opinion, directions. It turns out that investors get the same opportunities as large banks, insurance companies and pension funds.
Money is invested in different directions. With an increase in the profit of the mutual fund, the income of the investor also grows. When selling a share, the investor receives losses or gains in the form of the difference between the selling price of the share.
The initial share price is determined by the fund. It is most profitable to buy it during a market fall. The main advantages of a mutual fund are the ability to invest without special knowledge, high profitability, and reduction in investment costs. The state strictly controls the work of companies. And this is a good additional guarantee of stability.
Mutual funds are bond, stock, index and mixed. To buy a share, you need to contact either the agent bank of the mutual fund or the company itself to notify you of your desire. After signing the agreement with the fund, the funds are transferred to its current account.
After acquiring a share, the client receives a confirmation of opening an account, crediting a share to it, and a statement of the amount. However, before investing, you should go to the site pif.investfunds.ru/funds. It contains all the information about mutual funds.
Option number 9. Business investment
A good option would be to invest in a Franchise. Franchising, in essence, is the cloning of the parent company. You are given a ready-made work plan, they train you and provide information support when starting a business in your area. It's like a ready-made constructor, there are all the details and instructions. It remains only to assemble a working system.
In the case of a business, you will not receive passive income, but when debugging business processes, you can delegate all the work and hire an executive director. In this case, it's more like an investment. Such a system will bring you income without your participation.
Option number 10. Investments in information sites
Income when investing in information sites comes from placing banner, contextual, teaser advertising on them, from affiliate programs, as well as from placing advertising articles. In fact, this is a passive income (if you do not take the placement of advertising articles, although this work can be delegated).
Such a resource can be created from scratch, but this requires certain knowledge. Let's look at investments in finished projects.
How much can an information site cost and what is the return on investment?
Approximate price 20-24 months * monthly income of the site (the formula is valid for small and medium sites). For example, if the site brings in $400 per month, the price will be = $400 * 20-24 months. = 8000 - 9600 $. Those. return on investment 4-5% per month . To make such purchases and sales, there is a special exchange telderi.ru.
In the case of independent development, the profitability of the project can be 50% per month. But it is worth considering that the new site will reach normal positions only after 4-8 months of active development (this also depends on the subject and competition in the niche).
What is the benefit of such an investment?
You receive monthly passive income. Subject to the further development of the project, the monthly income increases, as does the cost of the site itself in case of resale. The site acts as an asset.
Both to create your own project and to buy a finished project, you need special knowledge and skills, but there is nothing super complicated, there would be a desire to figure it out.
How much money does this site make?
The site you are currently on (site) brings in approximately $420 per month from Google AdSense contextual advertising.
Option number 11. Investments in Internet startups
Not so long ago, a new investment option appeared - in Internet startups. The exchange is a kind of Internet version of shares. Large investors are not interested in promising, but small by their standards projects. And without funds for development, the undertaking will remain only for them.
Promising projects are strictly selected before being included in the exchange catalog. After that, funds are allocated for their development. They are shares in free float. Investors can receive income from the first month approximately 3-7% monthly. If necessary, to make a profit, you can always sell shares within the system.
Option number 12. Investing in microcredit
People are constantly short of money. This means that the popularity of lending is growing. But if you want to engage in this type of investment, you should enlist the support of a knowledgeable person who is familiar with this area and has considerable experience. He will have to consult a partner often.
Without the assistance of a professional, investing is meaningless: if you do not know the specifics of the case and do not have the slightest idea about its correct organization, then the invested funds will not only not be saved, but the risk of losing everything will increase significantly.
Option number 13. Investing in the purchase of coins
Very profitable investment in coins. They are tax-free and easy to store. It is only important to do everything carefully. Even a small scratch on a coin reduces its value. The easiest and safest way is to keep the investment in a safe deposit box. Of course, there are additional costs, but the risk of damage due to negligence is reduced to zero. Silver and gold coins are especially attractive.
It is important to buy such coins or ingots only in banks in order to choose by weight. Credit institutions have all the certificates confirming the origin of the metal. So the long term investment will pay off. Unlike ingots, jewelry is not devoid of impurities, so the purity of the metal in them is a big question.
So regardless of the size of the planned investment, a few million or just one thousand, all conditions must be completely clear, and the invested funds must generate income. And for this, investments need to be supervised. What business to invest in?
You need to invest in real projects, and not in mirages that crumble at a close look. So huge dividends in record time are a warning sign. It is better not to make contributions to such projects: it is recommended to save your own nerves and funds.
Option number 14. Investment in education
Where do rich people invest their money? If there are free funds, then why not invest them in the education of the child? Education has long ceased to be free. And there are many payment options. You can make a one-time payment for the entire term and track attendance at classes. The investment is fully justified
Just before investing, you should find out if the child himself agrees to study at the chosen institution. If he does not show any inclinations towards the direction chosen by his parents, then the investment will be an empty phrase.
Yes, and it is necessary to find out everything about the educational institution: it asks for a lot of money, but whether it corresponds to such injections is a question. A limited social circle formed on the principle of “we are friends with those with whom it is beneficial” and often deliberately overestimated marks are a reason to be wary and think: is such an investment profitable?
Investing in the development of staff qualifications is one of the areas for investing in wealthy people. Knowledgeable employees who are able to quickly and accurately assess situations, work productively, maintaining and strengthening the team spirit - this is a sure investment that pays off in the shortest possible time.
The most popular directions for investments
Quite large investments in industry. They are occupied by large investors. Their profit is already considerable, and therefore the size of the investment is impressive. Investing in the development of industry is not only profitable, but also a very fashionable and patriotic direction.
When investing in deposits or real estate, the minimum monthly income in Russia can be ten percent. More risky investments in stocks, precious metals and pyramid schemes. You can earn up to five hundred percent of the down payment, or you can lose everything.
A pyramid is generally an unpredictable way of investing. Let promises be kept at first, and profits reach enormous proportions. But this is only for those who came first. Further, a decrease in income begins and, finally, a logical result: the disappearance of both the organizers and the money.
You should not give in to promises to easily double or even triple the funds on the Forex game. Exchange operations are an occupation for professionals. And only they can predict the behavior of currencies, and even then not always. And losing money, and a lot of it, because of gullibility is too reckless. Investments in the development and development of your website, business or participation in a mutual fund are more advantageous: thirty percent of the investments will return as a profit.
Where not to invest
But where it is not worth investing under any circumstances is in the purchase of cars and mink coats. It is clear that buying a pair of luxurious fur coats for the price of one is a real success.
But after all, the moth will not refuse delicacy. Such a product does not lie for a long time, and the styles lose their relevance. The same principle applies to large chains distributing luxury perfumes.
Household appliances are an unreasonable investment. It becomes obsolete, losing in value. It will be impossible to sell it even at the purchase price.
It is worth remembering that even a brand new car loses about a third of the price after leaving the salon. And it is impossible to return these funds. Over time, equipment does not become more expensive, unlike precious metals.
Preservation of capital is a topical issue, and therefore it is important to approach its solution in a balanced way, without haste, having discussed all the pros and cons of future investment. Ultimately, the issue of stability and profit margins depend on the decision.
The Parable of the Plumbing
