Where to invest at interest: 5 directions

Where to invest money at interest: 12 basic rules to avoid bankruptcy + 5 directions for investment + 6 undesirable options for deposits.

Almost everyone sets themselves the goal of financial independence and well-being in order to meet all their needs, while not denying themselves anything. However, not everyone achieves this.

Of course, for this you need to have a mind and work hard. But such conditions also do not guarantee a comfortable life. Therefore, many get out as best they can.

Some prefer to go fraudulent or gambling, others are looking for projects that where to invest with interest.

Indeed, investments can bring good returns. The problem is that all existing options have their own risks and peculiarities. And, of course, it is necessary to understand at least the basic principles of money circulation.

Otherwise, it will be possible to say goodbye to the money earned with blood and then. To prevent this, we suggest that you familiarize yourself in detail with various methods, as well as sources at interest, study all the nuances and draw conclusions.

We study standard options where it is better to invest money at interest

To the question: “Where is it better to invest money at interest?” economists and experts can answer more informatively. Moreover, the opinion of each of them also diverges.

Therefore, the right decision is an independent analysis of all methods, based on the size of the existing asset, the desired return, timing, and the amount of investment risk.

Making forecasts for 2017-2018, analysts report little comforting news regarding investing money at interest and the economic situation in general.

The unstable situation, fluctuations in interest rates on loans in banking institutions, the fall of the national currency make people who want to have confidence in the future wonder what will happen in the near future.

Because of this, many people think about investing their money at interest, and the relevant organizations provide such an opportunity.

But before you understand the sources for investment, learn the basic principles of investing money in order to avoid losing them.

Experts in the field of economics and finance strongly recommend adhering to the following rules, which apply to absolutely everyone:

It is worth investing only your own money. If you do not have good capital and intend to take out a loan, know that this is a bad idea. The loan imposes an obligation on you to return the money, and if you “burn out”, you will need to pay with your own money, which you will not have.
Make a list of the pros and cons of each option beforehand., where you can invest in order to choose the most optimal one.
Do not plan on spending money, especially the first money received from investments. Accumulative capital is cumulative because it is not spent on entertainment and personal needs.
It is better to invest in different projects. In the case of diversifying (distributing) a large amount of money, you minimize the likelihood of a complete bankruptcy.

Withdraw interest sooner to avoid losing money. Suppose you decide to invest 10 thousand rubles in an investment company at 10% per month. If the money is left in the work of the project, in 8 months the amount will double.

You will have 20 thousand rubles, half of which will be your net profit. The first deposit has been repulsed and it is desirable to withdraw it, and the passive income will be brought to you in the future by the 10 thousand rubles left on the balance sheet.

Demand the provision of results on investment projects. This will protect you from fraud in 90% of cases, because scammers will not be able to fulfill your request.

Organizations that operate transparently and honestly have nothing to hide, so it will be easy for them to demonstrate their financial performance.

Be flexible. The investment market and the economy are quite volatile, which makes it necessary to adapt in order not only to save, but also to increase money.
It is worth investing your capital in the area in which you understand. Do not even think about investing in Internet startups when you yourself have worked in the rural industry for 5 years.
Gather information about investment project managers where they intend to invest. The success of the project in most cases depends on the persons occupying the leading positions. Following this principle to some extent will allow you to make predictions for the future.
Explore the product or service in which you are going to invest. The object of capital investment at interest should be known as much as possible.

Invest some of your money in international companies. Due to the influence of local factors, each industry or a single region is not immune from risks, so the crisis can overtake anywhere.

However, international organizations are less exposed to risks and are more reliable and stable.

Do not be lazy to carry out calculations, analyze news reports and charts, analyst reports. Of course, this will not give you a 100% guarantee of the correct investment of money at interest. However, this will allow you to become an educated investor and achieve greater awareness.

So, it is proposed to invest money at interest in such sources:

credit and banking institutions;
real estate (residential, commercial);
securities and financial instruments;
Internet projects;
and etc.

One of the Western publications conducted a study to find out where different segments of the population prefer to invest. It turned out that poor people send money to return of debts, secured - in companies and securities.

Option number 1. The essence of investing in a deposit account.

Bank deposits on the scale of popularity of investing money are in first place. In fact, the investor gives the bank a loan at 10-15% per annum. The Bank, at its discretion, disposes of this money during the entire investment period.

Investing money in credit and banking institutions is associated with low returns. However, the reliability of this option for most is a decisive factor. Therefore, if you do not know where to invest money at interest safely, a bank deposit is what you need.

If money in the amount of up to 1.4 million rubles is placed on a deposit, investments are insured against bankruptcy by the state.

More benefits can be obtained if you invest in foreign currency. Many distribute their funds into three deposits: euros, dollars, rubles and invest in different banking institutions. Interest income will vary depending on the amount invested.

Benefits of investing in a bank:

minimal risk,
low entry threshold (no need to have huge amounts of money to invest in a bank),
fixed income,
guarantee of receiving money even in case of revocation of the license,
the possibility of early withdrawal of profit (interest on the deposit).

Disadvantages of investing in a bank:

small percentages.

To open, it is important to consider the following aspects: the investment period (the best solution would be 3-6 months), currency, interest and the bank itself (preferably the state one).

The most reliable banks in order to invest money at interest are:

Option number 2. Is it possible to profitably invest money in real estate at interest?

Also a popular option where it is profitable to invest money at interest is real estate. Some believe that this method allows you to save capital, but not accumulate. However, this is misleading.

If you have a large amount of money and certain knowledge, investing in real estate is an opportunity to receive monthly interest. The maximum profit can be obtained, according to experts, if you invest in buildings in which it is only planned to fill the foundation.

Premium real estate brings considerable interest. At the time of construction, depending on the location, it can be bought at a price of 3-10 million rubles. Upon completion of construction work, the cost of housing will soar at least 3 times.

Profitable to invest in one-room apartment. After its purchase, the premises are rented out. First you return the invested funds, and then you receive income.

In this case, it is necessary to purchase an apartment near the metro or in the city center. This will increase the rent significantly. Studying the infrastructure of the area will help make the investment more profitable.

In metropolitan areas, capital is often invested in commercial real estate, i.e. non-residential premises for the purpose of leasing or resale as a warehouse, office, shop, retail space.

To resell a property, you need to establish its initial value, based on current market prices. The potential level of profitability shows the economic feasibility of investing money in housing.

For example, renting a one-room apartment can bring you 6% per year. Let's add another 20%, which we get due to the general increase in real estate prices (the figure can vary significantly in each individual region of the country).

The sum is the rate of return. However, it should be borne in mind that it does not take into account such factors as depreciation and overhead costs, insurance, downtime, tax payments and similar costs.

As practice shows, such an investment of money brings profit only in the long term. If you are waiting for income here and now, it is worth investing in something else.

If you decide to invest in housing, first consult with experts, as only they can determine the economic downturn, when such investment activity is most profitable.

Benefits of investing in real estate:

a sustainable prospect of earning income through the constant rise in housing prices;
the chance of losing money is minimal.

Disadvantages of investing in real estate:

dependence of profitability on the cost of acquisition;
the need for a large amount of money to invest in the purchase of square meters;
low liquidity for urgent sale.

Option number 3. Where is it more profitable to invest money at interest, if not in securities?

Financial instruments like securities are another of the options that exist today, where it is more profitable to invest money at interest. In order for investments in shares to be economically profitable, it is necessary to have all the necessary information in this area and feel like a fish in water in it.

For this reason, few manage to get good interest on the idea of investing in securities. Therefore, if you do not feel 100% sure, it is better to turn to qualified traders for help.

How do you get money by investing in securities? By investing in shares of a company or organization, you become its co-owner.

In the form of interest, a certain share of the company's profit (dividends) is paid monthly or quarterly, commensurate with the number of purchased shares.

Changes in the price of securities occur in the market every day, and accordingly there is a need to know when securities should be held and when to sell.

Advantages of the decision to invest money at interest in stocks:

the possibility of making a good profit not only on dividends, but also on resale (sometimes at a price several times higher than the initial one);
ahead of inflation;
acceptability of investment of money in parts.

Disadvantages of investing in financial instruments:

the need to have impressive experience and skills in order to use this financial instrument;
you will receive interest last after distributing it among creditors, suppliers, employees;
there are risks of bankruptcy due to the depreciation of shares, the possible economic insolvency of the organization.

At the same time, the presence of 1-5% of the shares gives you the right to take part in the board of directors, the right to vote on managerial decisions. Depending on how successful the year was for the enterprise and your skills, as well as the type of action, you can get 50-60% profit per year.

Since the number of domestic private investors in securities is small, there is little competition in the Russian market. To fully invest in stocks, you need an amount equal to or greater than $ 5,000.

The largest international companies offering to invest in their shares at interest are:

mastercard,
coca-cola,
google,
Adidas
Nokia.

Among Russian companies where you can invest in the purchase of shares:

Gazprom,
Sberbank,
Yandex,
Rosneft,
Lukoil.

It is advisable to invest small amounts of money in bonds with short-term maturity. Based on the advice of a broker, you can buy securities, for example, Rosselkhozbank or Transaero airlines. The average yield will be 11-14% per annum.

Option 4. Is it worth investing money at interest in Internet projects?

Websites are recognized as one of the modern options where many people prefer to invest money at interest. More precisely, their development for subsequent monetization.

But for effective investment in Internet web resources, you definitely need to know the methods of how to get money on them in the future and understand the basic principles.

The degree of risk is relative. They can be minimized by correctly evaluating the prospects of the object, where money is expected at interest.

First, you study the profitability of a niche, thereby choosing the subject of the portal. Then you give money to purchase a website, a domain and pay for hosting, you bear the cost of hiring a workforce: programmers, webmasters (if the resource is not ready), copywriters and seo-specialists.

The performers will be responsible for filling the Internet project with unique content, its optimization and promotion.

In the case of investing money in a profitable idea at interest, with the right strategy, you can achieve a profit of 100-200% within a year, and also come to a passive income that does not require your direct participation.

Pros of investing in websites:

high profitability in a relatively short period of time;
the need for a not very large amount of money to start;
the possibility of scaling the process in the future.

Cons of investing money at interest in Internet projects:

the need for deep knowledge;
high risks of non-return on investment.

To receive monthly interest, you need to use different methods of receiving money: CPA affiliate programs, MFA sites.

What does the decision to invest in CPA affiliate programs imply? It includes searching for a relevant and profitable offer (company, advertiser's offer), and connecting to it.

In simple words: you place an affiliate link on the site and attract users.

If you invest money at interest in MFA sites, you will receive profit from contextual advertising. This method will not bring much income, but there is a significant advantage in placing Google AdSense ad units.

They are a profitable means of getting money, but only in case of good traffic and a good choice of topics for your portal. Thus, a medical resource with daily attendance of 2-3 thousand users will bring an average of 15-20 thousand rubles. per month.

They can also act as assets. This implies a decision to invest in:

purchase of popular public pages, communities and groups (for monetization or promotion and further resale);
creation and promotion of games and applications.

Option number 5. Offline business: why is it advisable to invest in Russian enterprises?

Often, as an option for investing money at interest, experienced analysts and financiers recommend choosing a domestic business, the annual profit from which can be at least 40-80%.

This is the most optimal value, since lower interest rates are not economically beneficial for the investor, while larger ones can lead to loss of money.

If the company is consistently making good profits, this indicates its development and success. So, you have a guarantee that the organization will not go bankrupt, and you will not lose money.

Examples of where you can profitably invest in an offline business in Russia:

Yekaterinburg Feed Mill (https://korma-ekb.ru)
An acceptable amount to invest in a business is an amount in the range of 50-300 thousand rubles.
If you invest for a year, you will receive 40%, for two - 95%, for three - 150%. Interest is paid at the end of the term. There is an early refund if you warn about it at least a month in advance.
Official moments: you arrive at the enterprise and conclude an investment agreement. The contract is registered in the State Register.
Agriculture, animal husbandry in general. In this case, you can conclude a contract for 12 months, if necessary, its validity period is extended. The optimal amount of money that it is desirable to invest - from 50,000 to 500,000 rubles.
In this case, interest is paid annually or at the end of the term (50%).
To invest in agriculture, it will be necessary to conclude an agreement between the investor and the farmer. A bail is provided.

Among the most profitable are such projects for investment in the field of agriculture:

KFH and Partners ( https://kfh-ff.ru)
"World of the Earth" ( https://mirzemli.ru)
GeoDevelopment ( https://www.geodevelopment.ru)

Advantages of investing money at interest in an offline business:

impressive profit margin;
the ability to manage the case;
there are no restrictions on the amount of profitability.

Disadvantages of investing in Russian enterprises:

lack of guarantees and protection from the state;
riskiness;
influence of market conditions on payback periods and interest rates on deposits.

Where to invest money at interest will be a bad decision?

You should see the differences between a disguised scam and a profitable project for investing money.

Investing money at interest is absolutely not profitable and even unsafe in the following organizations:

mutual funds;
stock exchanges;
binary options;
Forex;
bookmakers.

The probability of a return of money when investing in the above options does not exceed 5%. In 95% of cases you will lose your capital. This is due to the large number of scammers who turn these ways, wherever you want to invest money, into a pyramid scheme.

Only the creators of these scams will receive interest. Equally adventurous would be to invest in online casino. Their owners and managers build their fraudulent schemes on the basis of immoderate human excitement.

Interest-bearing investments into precious metals- a good option, but its payback stretches for several years. Therefore, you will receive money from deposits in gold after a few years.

*This is how the price of gold has changed in recent years

You can also invest into art, but every year there are less and less connoisseurs of antiques and objects of cultural, historical reflection. This will complicate the resale of works of art.

If the risks of losing money on deposits are very high, it is better to wait a bit until better times, or give preference to safer ways of investing.

Now you have a general idea of the common options, Where is the best place to invest with interest?. The advantages and disadvantages of each method will help you decide.

Where to invest money to receive passive income?

We offer you an overview of investment projects:

Be it real sectors of the economy or Internet projects - all methods have their own degree of risk and level of profitability. Be guided by comparative characteristics and expert advice, make a choice based on them, but always on your own. It is up to you to decide where to invest the money earned at interest.

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