Where to invest a million rubles? Large financial investments - how to invest money wisely

Where is the best place to invest free cash in the amount of 5 million rubles? This question is asked by novice investors who were able to earn a fairly large amount of money, but so far find it difficult to choose the area of ​​activity in which they would like to invest it.

Perhaps the most popular ways to invest money today are opening a bank deposit or own business, buying precious metals, investing in securities or foreign currency, investing in real estate and construction. Which priority you choose will depend on how much risk you are willing to take and how quickly you want to see a return on your investment.

Many prominent experts from the world of economics and finance recommend separating your savings and investing them in different areas. A small part can be put into a high-risk game on the stock exchange or to buy currency on the Forex market, a little more can be put on a bank deposit to receive a monthly stable income, but the bulk of the money should be put into real estate or creating a micro-enterprise.

I would like to note right away that by investing in the creation of a business or in real estate, you will not be able to get a quick profit. Such methods are aimed at the long term, i.e. you can get real returns and profits not earlier than in a year or two.

For a capital of 3-5 million rubles An excellent option for investment would be the purchase of commercial real estate, for example - retail or office space. If you buy them in a large shopping center or any other place with high traffic, you can then profitably sell them at a premium or rent them out to entrepreneurs on a monthly basis and get a good monthly profit from this.

It is also worth considering the option of buying residential real estate, best of all - one-room apartment in a new building, which are relatively inexpensive and are very popular with young families. Having bought housing at the initial stage of construction, you can then earn up to 20-30% on resale after putting the house into operation and developing infrastructure near the pulp.

In addition to investing in real estate, of course, the right option would be to invest in yourself and your entrepreneurial skills. If you have an economic education and a flair that will allow you to identify a free niche in the city, feel free to open your own business.

Its scope will depend entirely on what you are interested in and what you understand - open cafes or bars, mini-production for bakery products, resell goods, offer service, travel or consulting services, your choice will be practically unlimited. If you do not want to take the initiative, then buy a franchise from a well-known company and start earning money under its name.

Thus, using one of our recommendations, you can easily decide where exactly you should invest 5 million rubles. If our advice is not enough for you, check out the options of other readers in the reviews of the article.

If you want to know how to get a loan without refusal? Then go through

Every person who has a certain amount of money in his asset thinks about how to increase his capital and make money work for him. Today we will tell you how and where to invest a million in order to earn and increase your money.

Many citizens who have been able to accumulate or earn such an amount of money will probably have a question: “Why do you need to invest money somewhere?”. The answer lies in economic processes occurring in any country. Everyone knows this economic concept like inflation, which means the depreciation of money.

In the case of inflation, there is a high probability that a million rubles, which simply lies without use, will gradually become not such a significant amount. Therefore, care should be taken not only to preserve them, but also to increase them.

There are quite a lot of successful investors in the world who once also took their first step towards investing. On their way there were both successes and defeats. It is easier to learn from the mistakes of others, but in order not to make them, it is very important to remember the basic rules of investing.

They are as follows:

TOP 10 ways to invest a million rubles

The best idea 💡 2018 —

Before you look for ways, how and where to invest money, you still need to decide on the purpose of investing. The fact is that short-term deposits are completely different from long-term ones. The desire to make a quick profit increases the risks associated with capital investments. Long term investments are more reliable.

If you need to turn money around in the short term to generate income for a certain item, you can use more aggressive investment methods. If your goal is a constant passive income, use conservative investment tools.

So, the most common methods are:

2. Bank deposit.

4. Purchase of precious metals.

5. PAMM accounts.

6. Equitable lending.

8. Acquisition of shares.

9. Investment in mutual funds.

10. Invest in yourself.

When it comes to saving money large sizes, the average citizen of Russia immediately thinks about acquiring real estate. And this is the most common way to preserve and increase capital.

One of the basic needs of every person is to have their own land, a roof over their heads, to have their own housing. Real estate will always be in demand and be a reliable way of investment.

As a property owner, you can make a profit in such ways as:

• Rental income;
• Profit from the sale.

Renting is the most common form of passive income. You can rent an apartment by the day or for a long time, while earning income without much effort. Despite the fact that the apartment is used by an outsider, the property is yours. You can sell it at any time at a more expensive and favorable price for you. Rent plus the difference in cost equals the net return on investment.

Another way to make money on real estate is buying and selling transactions. In this case, the following schemes are possible:

• Buy property. Wait until it increases in value. Sell ​​real estate.
• Buy property in a satisfactory condition. Make repairs. Sell ​​the property at a better price, which includes the cost of repairs.
• Buy living space at a time when the house is just being laid or under construction. After putting the object into operation, sell the property at a high price.

And everything seems to be fine, but during periods of economic downturns, any real estate falls in price. And until the crisis passes, it will give a low yield. At this time, it is better not to sell real estate and make a profit only through rent.

It should also be emphasized that you need to deal with a reliable developer who has an impeccable reputation. This will protect you as much as possible and save you from losses.

As for the acquisition of land, it is important to navigate in directions and know promising areas. The land itself can be worth more than any house, cottage, and so on that is on it.

From year to year, the price of land is growing. If this site is located close to the city, where it is soon possible to build real estate or land in the city itself and it is planned to improve the infrastructure in this area, feel free to take on this business. You can sell it at any time at a bargain price.

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Bank deposit

This type of investment remains the most reliable way to increase capital. A bank is a great option for long-term savings. All deposits individuals up to 1.4 million rubles are insured without fail. So the state protects the interests of the depositor.

But still, it is better to invest no more than 700 thousand rubles in one bank. It is this amount that the depositor can receive as insurance compensation. Yes, and you need to choose a bank that is in the TOP-10 most reliable banks in the country. Thus, you will provide yourself with emotional peace of mind, because, as a rule, these financial institutions have state support.

Of course, it is difficult to call such a method of investment profitable, but it can be affordable. The maximum that the bank can offer you is 10-12% per annum. Of course, by investing a million you can earn 100,000, but in terms of inflation real income will be much less than this amount.

When making deposits, it is necessary to study all the conditions in advance. The more freedom of action the bank gives to the depositor, the lower the percentage of income. Of course, when making a deposit, the bank places the main emphasis on the interest rate on deposits, but this is not the only indicator of profitability.

The total profit also depends on:

• the possibility of replenishing the deposit;
• interest capitalization;
• conditions for closing an account.

This type of investment is the most common throughout the world in terms of profitability in a crisis economy. By transferring money from one currency to another, experienced investors have the opportunity to get a good income even in a few weeks.

But those who are going to invest in foreign currency need to know:

• if you are willing to take risks, you can make deposits in dollars and euros. It is important when concluding an agreement to keep track of forecasts for this currency. Its value will vary from the world price of oil, as well as from the overall picture in the global political arena.
• A promising investment would be the purchase of dollars and euros in order to sell them next year, when the appreciation is expected.
• a more conservative method would be to invest in the most stable currencies such as pounds sterling, Chinese yuan or Swiss francs.

Buying precious metals

For far-sighted people, investing in precious metals is a priority, because. such metals are not dominated by inflation.

This is a proven option for accumulating and earning money, but there is no need to talk about quick profits here. You can analyze the upward trend in prices for a certain precious metal over 3-5 years and decide for yourself which option to invest in.

Unlike investing money in any business or real estate, the option of investing in precious metals is distinguished by its availability. You can at any time go to a bank that has a license to carry out this operation and purchase an ingot available to you. In this case, your purchase will be accompanied by a document confirming the authenticity of the metal and its estimated value.

Precious metals are those metals that are used in the manufacture of jewelry. These include silver, gold, and the platinum group metals (platinum, iridium, rhodium, palladium, osmium, and ruthenium).

Ways to buy precious metals:

• purchase of ingots;
• purchase of coins;
• buying antiques from these metals;
• purchase of art objects from precious metals;
• acquisition valuable papers backed by gold;
• creation of an unallocated metal account (OMS).

If you decide to purchase a gold bar, it is important to know that you will have to pay a 13% tax if you decide to sell it soon. But after 3 years, the tax on the sale of gold is not levied.

With the purchase of coins, the situation is simpler - their sale is not taxed, but finding a buyer for them is much more difficult, especially if the coins are not collectible.

Creating an OMS is the most profitable way to invest money. With an increase in the price of metal on the exchange, the client automatically receives a profit. At the same time, he does not store precious metals under his pillow and does not contact with him at all. He simply transfers money to a bank account, buying a certain amount of grams of the precious metal.

The advantages of opening an MHI are the accrual of interest, as with a deposit, as well as tax exemption (VAT). But weighing these pluses, you need to take into account the big minus: CHI is not insured financial institution, which means that in the event of a bank failure, you risk losing your investment.

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PAMM accounts

This service is gaining special popularity today, because the minimum deposit amount is 500 rubles.

A PAMM account is a type of investment in Forex (interbank currency exchange market at free prices). It enables investors to earn money without trading Forex on their own.

The PAMM account operation scheme is as follows:

• the manager opens a PAMM account by investing a certain amount of money in it - this is the manager's capital. Creates an offer - a proposal to conclude a deal, which sets out the main terms of cooperation, as well as a percentage of the profit that he will receive as a reward for managing investor accounts. The manager risks his capital on a par with his investors, which means that his Forex trading is more deliberate.
• using an independent rating, investors study the performance of managers and invest in the PAMM account they like.
• The manager trades on the Forex market independently. He uses both his own capital and the funds of investors.
• Profits and losses received during trading are automatically distributed between the manager and his investors, in proportion to the amounts deposited.

Peer Lending(P2P)

This is a rather complicated investment process that requires good financial knowledge and a clear orientation in this matter.

P2P is one of the methods of lending at interest to individuals without involving a financial intermediary, such as a bank. You are the lender, your customers are the borrowers. They are ready to conclude insured contracts at 1.5% per day. Monthly income from such peer-to-peer lending can reach 50%

Such a social loan takes place online on the websites of special credit institutions through a variety of lending platforms and credit check tools.

True, a system that provides a platform for peer-to-peer lending takes a portion of every percentage you earn. However, you will always have your 0.70% per day. After a certain time, withdraw your deposit, earn already on profit.

All peer-to-peer lending services cooperate with collection agencies. These are agencies that specialize in collecting overdue and bad debts from individuals. Their scheme of work is similar to the work of banks with debtors. As a rule, all problems are solved at the level of negotiations.

This is the most profitable way to invest, provided that you do not invest in a loss-making enterprise.

The amount of 1 million rubles is a great start to start your own business. There are no profit limits in this method. You can double or triple your initial investment, or you can increase it 10 times.

It all depends on the right choice. You should invest money in a business that is close to you, in which you understand. The chances of a high promotion of a business will increase if you feel like a specialist in this field. Although this is also not enough, it is important to finance your enterprise as competently as possible.

Running a business means constant struggle and competition. If you initially feel that you do not have enough strong nerves, firmness of speech, rigidity and strength for constant contact with suppliers, regulatory organizations, employees, and so on, then do not rush to start a career as an entrepreneur and think of a more relaxed way to increase capital.

If you still decide to open your own business, here are some practical tips from experienced investors:

1. Find your niche in the market with the least number of competitors;
2. Use ready-made business plans, models and schemes for doing business;
3. Start with the implementation of services;
4. Try to do without bank lending;
5. Don't be afraid to start.

Before investing such a large amount in your own business, study the legal side of the issue well and which will allow you to look at the project from the outside, analyze its strengths and weaknesses, evaluate possible financial risks.

One of the ways to start your own business is to buy a franchise. This option can be separately identified as an investment, as it involves the purchase of a ready-made business product.

Franchise is the acquisition of rights to use the name, branded products, sales scheme of a well-known company. Known to everyone by McDonalds, Starbucks coffee houses successfully demonstrate franchising in its classic version. An amount of one million rubles allows you to purchase an average-priced franchise and launch your business according to the scheme of the parent company. At the same time, you do not need to invest in a marketing campaign and incur high advertising costs.

The parent company independently promotes its product, and all companies that have acquired a franchise from it successfully use this.

In addition, franchising will save you energy, time and money, as you will receive working marketing schemes, a ready-made business plan, and advertising support. In fact, this is the purchase of a ready-made business, which in the future just needs to be maintained and developed.

The only drawback is the tight control by the parent company and certain financial risks that, in principle, can be found in any business. It should be understood that you are buying only ready-made schemes for a successful business, and you will have to build all further activities and strategies on your own.

Unlike PAMM accounts and a bank deposit, owning a business (with or without a franchise) can hardly be called passive income. But the plus here is huge - there is a possibility of making quick and big profits.

Acquisition of shares

Today, the purchase of securities may well become a source of stable income. In the event that you become a shareholder of a reputable company or enterprise, you can count on profits that will be formed by increasing the price of shares, or by paying dividends on them.

Despite the fact that there are cases when the price of shares has increased tenfold, you should not rely only on luck. This investment tool must be mastered thoroughly. In order not to become bankrupt, entrust this business to a professional trader whose profitability history inspires confidence in you.

The acquisition of shares implies a long period of investment. On average 3 to 5 years. The higher this period, the more profit you can get in the end. The value of shares is subject to some fluctuations - it can both increase and decrease. But based on statistics previous years, on average, the return on investment in shares exceeds bank deposits by 2–2.5 times.

Investing in mutual funds

Mutual investment fund (UIF) is a collection of stocks and bonds . It is an organization that collects investments from a group of people and invests them in stocks, bonds or other securities. Each contributor owns his part of the fund - a share.

In essence, investments in mutual funds are analogous to investments in stock market(shares, bonds). All you need is to buy shares of the fund, which already includes a list of securities compiled by professionals. Mutual funds already contain certain stocks or bonds, compiled under a certain category. These can be shares of telecommunications, oil and gas, consumer, etc.

The advantage of investing in mutual funds is that the actions on your part are kept to a minimum.

The block of shares, which you have a chance to become the owner of, can be collected from different sectors of the economy and different countries. This will protect your investments from the influence of negative fluctuations in a particular industry.

Video. Where to invest in 2017?

Investing in yourself

And the most important investment is investing in your own development. Without self-development, building an investment business is doomed to failure.

Self-development is the starting point for success in any business.

Invest in yourself - buy "smart" books, valuable information products, attend useful seminars, courses on investing and earning. You will be able to easily navigate the sea of ​​cash flows and investment whirlpools. With their help, you can quickly figure out where you need and effective methods earnings, and where is the fraud and waste of time and money.

By investing money in yourself, you will insure your capital against inflation, crises and force majeure for the rest of your life. This is the least expensive and at the same time the most profitable type of investment. Any investor can only dream of such a combination. Investing in yourself is a powerful idea generator and a unique catalyst for success.

Before starting your own business, investing in your own training will be a great start, which will allow you to stand firmly on your feet, avoid possible mistakes and minimize financial risks.

Conclusion

Today we talked about the most popular ways to invest a million rubles in order to earn money. This list is far from exhaustive. There are many more options for investing capital. But it is up to you to decide where to invest money.

Now you weigh all the pros and cons, all the pros and cons. Think wisely about how to find, not lose. After all, your secure future depends on how competently you distribute your finances, in which there are no debts, collaterals and heavy loans, but only steadily increasing income.

Video. Where to invest money?

Before investing money, independent financial adviser Anna Vorobyova advises you to decide whether you really have free money? This means that you already have:

• reserve fund
• life insurance
• necessary housing
• no loans
• there is a constant source of income, and expenses are controlled.

And remember that in our country only bank deposits are insured by the state, and those in the amount of 1.4 million rubles. All other investments involve high risks. If you are ready to take risks, then here are 5 ways for you to invest 1.5 million rubles. and more.

1. Microfinance organizations (MFIs)

MFIs take your money and issue microcredits to people at 1-2% per day. According to the law, the minimum investment amount is 1.5 million rubles. The minimum investment period is 3-6 months, the maximum is 3 years. You can earn up to 30% per annum. The smaller the MFI, the higher the yield it offers. For this reason, experts recommend trusting companies that offer a moderately high percentage.

How much can you earn with an investment of 1.5 million rubles. in large MFIs?

MFI	Investment rate for 3 months	Investment rate for 6 months	Investment rate for 1 year
Home Money	17-18%	18-19%	20-22%
fast money	No	16%	16%
Moneyman	15%	17%	20%

The MFI will withhold tax in the amount of 13% of the earned amount from the income. That is, with an investment of 1.5 million rubles. at 20% you will earn 300 thousand rubles a year, and after paying the tax you will be returned 261 thousand rubles. The final yield will be 17.4%.

2. Business lending

Recently, services have begun to appear that collect money for business loans. They provide loans at high interest rates. The yield can be 20-60% per annum, but without any guarantees. For example, you can invest up to 500 thousand rubles in a service and earn up to 30% per annum. City of Money is ready to accept up to 5 million rubles. at 66.1% per annum. It should be borne in mind that not all companies return the money, so the final profitability is often lower than stated.

3. Real estate

For the declared 1.5 million rubles. outside of Moscow, you can buy a studio in a new building or a tiny apartment to rent out. If we are talking about an investment at the initial stage of building a house, then by the time it is completed, the price of real estate immediately increases by 20-30%. You can rent a small apartment for 10-20 thousand rubles. per month (depending on region and state). In total, you can earn 5-15% per annum.

4. Playing on the stock exchange

Trading on stock and commodity exchanges can make you rich. The return on investment in shares sometimes reaches 200% per annum or more. The minimum amount to enter the market is several hundred rubles.

When buying securities, you need to pay a small commission to the broker (a fraction of a percent of the transaction), as well as a monthly commission for maintaining an account (150-350 rubles).

Earning income from stocks is a complex process, but it can be learned. This is the path followed by the heroine of one of our articles, who began buying stocks a few years before her retirement. Now she is already on a well-deserved rest, traveling on cruise ships around the world and teaching other people at the Moscow Exchange school.

5. Currency

In December 2006, for 1 US dollar they gave 26.28 rubles. Now it costs almost 2.5 times more. If you do not have the last 1.5 million rubles. and more, then buy foreign currency (dollars or euros) on them. Buy and forget about this part of the savings for 3-5 years. In the short term, there are significant fluctuations in rates both up and down, but in the long run of several years, the currency always rises in price. Particularly sharp jumps in exchange rates occur at times of crises, and they have recently occurred frequently.

The classic scheme: keep 30% of savings in dollars, 30% in euros and 40% in rubles. Scheme for advanced: investing currency in shares of leading foreign companies. You can simply put money into an account in a reliable bank. But keeping money in boxes at home is irrational and dangerous.

Results:

There are many ways to invest money: for example, mutual funds, creating your own business, transferring money to management, etc. We talked about the simplest ones. Whatever method you choose, remember the rule: "Don't put all your eggs in one basket." The more instruments you invest in, the less your risks will be and the more stable your well-deserved income.

Relevant and reliable ways to invest money: deposits, gold, securities. Classic and exotic ways to invest a million rubles.

Savings of 1 million rubles. not uncommon for Russians. But this amount modern conditions not enough to invest in a big way: in real estate, business, etc. However, there is no reason to despair! In 2016, you can still save and increase your savings if you know where to invest a million rubles.

When choosing investment methods, it is important to exclude the impact of several factors of depreciation of funds:

• unstable foreign policy environment;
• inflation;
• exchange rate fluctuations.

According to the Central Bank, inflation in 2016 is up to 6.6%. Due to this key rate The Central Bank of the Russian Federation was reduced to 10% per annum in rubles. This will lead to a quick decrease in interest rates on deposits, and it will not be so easy to choose a truly profitable and at the same time reliable offer. So where to invest honestly accumulated million rubles?

Keep money in a savings bank

Way: opening a bank deposit

Description: putting money in the bank is the first thought that comes to the citizens of Russia. The main advantage of the method is the safe storage of funds. But it is practically impossible to significantly increase savings at the moment: if a bank is stable and has a high Central Bank rating, deposit rates are about 8.17% per annum (Sberbank, Rosselkhoz, VTB24, etc.).

When choosing a deposit, pay attention to deposits with the possibility of replenishment - they offer high rates. It is also recommended to refuse the possibility of monthly withdrawal of interest on the deposit. The income will be insignificant, but the possibility of capitalizing interest (their addition to the amount of the deposit) will help to really increase savings.

To this day, there are a number of banks offering increased interest rates by deposits. But, seduced by the ghostly opportunity for easy money, you can be left with nothing (of course, if the bank was not a member of the deposit insurance system, which you should make sure in advance). Banks conducting dangerous credit policy, attract the attention of the Central Bank and often remain without a license after a specialized check. Reliable bank, which does not aim to sharply increase working capital at the expense of depositors' money, cannot offer a rate higher than the key Central Bank.

Yield calculation: Let's calculate the approximate return on deposits with an investment of 1 million rubles. to Sberbank of Russia. So, the maximum interest rate (7% when opening a deposit online) is offered with a deposit amount of 700 thousand rubles. for a period of 6 to 12 months. Profitability in the absence of investments and expenses will be:

Accordingly, with an investment of 1 million rubles. for a period of 366 days and opening an account online at a rate of 7%, the yield will be 70,144.1 rubles, and the average income for 30 days will be 5,845 rubles.

Securities, stocks, bonds

Way: purchase of securities

Description: The second decision that comes to mind when you want to invest a relatively large amount of funds is to buy securities. But, as the American owner of one of the world's largest Internet advertising agencies, J. Silverman, said, buying securities is a hard way to an easy life. It is important not only to study the market in advance, but also to tirelessly monitor its condition.

Choosing a stable issuer is a very responsible step. Experts say that only 5% of private investors remain in the black by the end of the year, and many lose up to half of their savings. But there are pluses: the return on buying shares is almost twice the inflation. Start small and invest small amounts to learn about the market.

A profitable investment option is bank savings certificates - securities used to store and increase savings. On them, the yield reaches higher than on deposits, and reaches 10% per annum. Also popular is the purchase of bonds - debt securities, a kind of confirmation of an investment deposit, which imposes obligations on the issuer to the investor. Of the advantages - the reliability and priority of payments, of the disadvantages - lower rates due to reduced risks and the inability to participate in the management activities of the company.

Calculation: Let's calculate the income from the purchase of the most popular type of securities - shares. It consists of such components as the difference between the buying and selling rates, as well as dividends. As of 01/04/2016, the cost of Gazprom shares was 153 rubles/share, and on 07/09/2016 the cost increased to 173.52 rubles/share. Based on this data, we can calculate the percentage return:

Yield \u003d (173.52 sale price - 153 purchase price): 153 investment amount * 100% \u003d 13.4%

The annual return on share ownership is calculated using the formula:

Yield \u003d (20.52 profit: 153 investment amount) * (365 days a year: 247 tenure) * 100% \u003d 19.5%

According to the investor's calculator posted on the official website, the price change for the specified period was 13.75%, and the annual rate was 20.94%. One million rubles could buy 6,535 shares, and the income after the sale would be, according to the indicated data, approximately 137,743 rubles. Also consider the dividend yield of 5.79%. An investor can regularly receive dividends or reinvest them (capitalize profits).

Mutual funds - simple and profitable

Way: investing in mutual funds

Description: investing a million rubles in a mutual fund (mutual investment fund) is a simple and quite profitable solution. In fact, the method is not too different from buying and selling shares, but you trust your funds management company, for example, a large bank. This makes investments more secure, because they are in the hands of an experienced player.

Of the minuses - the lack of guarantees for high dividends. The method is optimal for those who want to make money in the stock market, but do not have the proper experience. Among the offers of mutual funds is the possibility of creating investment accounts for investing money in stocks and bonds, as well as in specific sectors of the economy (infrastructure, resource, trade, etc.).

Calculation: we calculate the income from the mutual fund of the management company "Opening". It is the difference between the sale amount and the initial investment. So, on January 11, 2016, one million rubles could buy 1017.82 shares at 982.49 rubles. Upon their redemption on 09/07/2016, the cost amounted to 991.17 rubles. Profit can be calculated using the formula:

Yield \u003d 1017.82 number of shares * (991.17 sale price - 982.49 purchase price) \u003d 8834.70 rubles.

From the amount of income, it is necessary to subtract a tax of 13%, that is, the net profit will be 7686.19 rubles. In percentage terms, the yield is 0.8834% for the specified period, or about 1.3% per year.

Investment - gold

Way: investing in precious metals

Description: despite the fall in the value of gold, buying it is a popular way to invest. Important advantages of the method: liquidity (gold is easy to sell), lack of attachment to the country's economy or exchange rates, virtually no risk of depreciation. Investing in gold is also very diverse. You can open an impersonal metal bank account, buy gold bars or coins.

Of the minuses - the lack of security guarantees, because. with home storage there is always a risk of theft, and with banking - bankruptcy of the institution. The fact is that "gold" accounts are not subject to the law on deposit insurance. Do not forget also about the need to pay taxes in accordance with Art. 226 and 228 of the Tax Code of the Russian Federation in the amount of 13%, as well as 18% VAT charged upon closing the deposit.

It is worth giving preference to reliable structures (Sberbank, VTB24, etc.). Their rates are not too impressive - it's not a secret. But it is depersonalized metal accounts of reliable banks that are the most accessible, simple, transparent and safe way to invest in gold, platinum, palladium, etc. At the same time, interest is accrued on urgent metal accounts - an average of 1% / year.

Yield calculation: profitability is calculated taking into account present value precious metal and the period for which the account was opened. It is impossible to calculate the exact yield in advance due to changes in the cost of precious metals on the world market. In addition, since the end of 2015, there has been a drop in prices.

Let us calculate the profit received in the period from 01/11/2016, when the cost of gold for private investors was about 2738 rubles per year. The end of the period is 09/07/2016 (then it was possible to sell 1 g of the precious metal at 2569.04 rubles). You don't need to be an experienced analyst to understand that losses during this period amounted to 168.96 rubles. from each gram, and for 1 million rubles. more than 365.2 g of metal could be purchased.

Yield \u003d (2569.04 purchase rate at the date of sale - 2738 sale rate at the date of purchase) * 1000000 investment amount): 2738 \u003d -61709 rubles.

You can calculate the yield as a percentage as follows:

Yield = ((2569.04 - 2738) * 365 * 100%) : (2738 * 240 full days of CHI ownership) = -9.38%

When investing in precious metals, it is necessary to constantly monitor the situation on the market so as not to miss the moment when prices rise sharply - the amount of profit will depend on this.

Who does not take risks is not an investor

Way: cybersquatting

Description: the most exotic way of investing, which is still popular, is very risky, but under certain circumstances it can make the investor rich. Cyberscotting is an investment of money in the purchase of "beautiful" domain names. The cost of such domains at auctions reaches hundreds of thousands of dollars, and the cost of their purchase is about 100 - 15o dollars / piece.

The Internet is a constantly and most actively developing segment. Large companies start their own sites and want the domains of these sites to be simple, memorable, catchy. Thus, the domain SEX.COM became the most expensive in history - its cost amounted to 13 million dollars. The domain name is included in the Guinness Book of Records.

How it works? Pretty simple: you find catchy domain names that someone definitely wants but hasn't sold yet. After the purchase, all that remains is to wait until you receive an offer to sell.

True, no one will say even approximately how long you have to wait. There is a slightly more realistic and faster way: by constantly monitoring the market, you can search for newly emerged companies without websites by registering domain names with their names. Without the Internet, a business is like without hands, which means that you will definitely be offered to sell an address that someone needs so much.

Cost calculation: since the method is rather exotic and risky, it is impossible to predict the benefits. You can only be inspired successful stories. For example, in 1996, American Rick Schwartz registered the eBet.com domain name for just $100, and in 2013 sold it for $1.32 million to Network Solutions.

Interesting: Rick Schwartz is rightfully considered the "King of Domains" as he also sold the domain to Porno.com for $8.8 million. But it was bought in 1997 for 42 thousand dollars. In addition, over the years of owning the site, he has earned at least $10 million from banner ads and user redirects.

Summarizing

Summary table of pros and cons of investments for 2016*:

Way	pros	Minuses	Yield per year
Bank deposit	Reliability Safety	Low interest rates	6,5 – 8,5 %
Securities	High yield	High risk of bankruptcy	about 13 - 20%
mutual fund	professional management Relative reliability	Lack of guarantees of profitability Dependence on the political, economic situation, etc.	about 1 - 1.5%
metal bills	Relative reliability No risk of complete depreciation	Unpredictable returns Benefits depend on market conditions High risk of loss	to 10 %
Cybersquatting	progressive method Obtaining ultra-high incomes	high risk Long wait Impossibility of forecasting Probability of never earning income	cannot be estimated

*Except for cybersquatting data provided for informational purposes only.

In modern conditions, a million rubles is not a large enough amount for serious long term investment. That is why the primary task is to preserve the accumulated funds, slightly increasing them if possible. Therefore, the bank deposit remains the best way, because the risk of a complete loss of funds is minimal, and the accrual of interest and the possibility of additional investment will allow you to gradually increase capital.

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂

There are a lot of investment options! Not all of them are effective, and what to hide, there are often simply fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest our money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

• What are the investment options, what is their yield and which one to choose?
• Where can you profitably invest money on the Internet?
• How to invest money in order not to burn out?
• And also about where it is better not to invest your money!

Get comfortable and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and losses!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

Usually the risk is proportional to the return, i.e. The higher the return, the higher the risk and vice versa. But this rule does not always work.

But in any case, who does not take risks, he does not earn. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

And also consider all the pros and cons of each investment option.

Third to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals…) — 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (currency market, cryptocurrencies…) — 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with a very high yield, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to receive the maximum income, but at the same time they completely forget about the risk. And as a result, because of greed, they are left with nothing.

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimum amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules!👇

2. Where is it better to invest money in 2019 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest money so that they generate income!

Option #1: Bank deposits/savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 6% to 8%.

Deposit rates have been falling steadily in recent years and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

For 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts" (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).

☝️ In addition, if you invest money for at least 3 years, you can get a personal income tax deduction (13%), i.e. in fact, you will not need to pay income taxes! Such preferential terms were developed by the state to support and develop investment in the country.

But of course, there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is financial crisis! The rest of the time, stocks generally grow steadily and show good profitability.

Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (US 100 high-tech companies).

If you do not want to personally invest, then there is an option to entrust the money to professional managers. But I will elaborate on this below.

CONCLUSION: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

Yield:	Risk:	Payback:	Minimum investment:
15-100% per annum (share price change + dividends)	depends on strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium/high)	(⭐️⭐️ - medium/high)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal/moderate risks, relatively high returns can be obtained.	(+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold.	(- ) Knowledge is required. Uncontrolled risk and "flirting" with the market can lead to significant losses.	(- ) In the event of a crisis, stocks can seriously and quickly fall in price.

Option #4: Bonds

DESCRIPTION: Where do you think the money is invested big banks? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the simplest instruments for investing. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

? By the way, Sberbank and VTB24 have recently started selling national government bonds.If you invest for 3 years, then you can get an average return on them of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most currently available bank deposits. Moreover, in the future, interest rates on deposits may decrease.

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, large funds can also be invested in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens And hundreds of percent . But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought through an individual investment account (IIA) without the need to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who seek to receive average return with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and more)	depends on bonds (very low for government bonds)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium/low)	(⭐️ - low)	(⭐️⭐️ - medium/low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low returns compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for low-rated bonds). The lower the credit rating, the less confidence in him.

Option #5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased $10,000 at the exchange rate of 57 rubles/dollar — as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, amounted to 30 000 rubles(of which the broker's commission is approximately 600-800 rubles).

On Forex, you can trade both yourself and give money to manage professional traders(This will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise, trading is likely to turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to the strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can earn a high income. For those who are not ready to study seriously, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and more	strategy dependent (initially high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If you have an effective strategy, you can get high profitability.	(+ ) Low entry threshold and accessibility.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you do not manage the risk. 99% of newbies lose their money.	(- ) Training is required: special knowledge and experience, as well as the ability to manage emotions. There is no guarantee that in a given period you will make a profit.

Option #6: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

DESCRIPTION: But this method is usually suitable for those who do not have experience and time to understand all the nuances of trading on financial markets(stock markets, Forex, oil, gold…).

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 5-10) and invest in various managers.

For example, Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.

At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.

⭐️ Oh profitability!
You can get quite acceptable income here - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!

PAMM accounts and PAMM portfolios for investments must be evaluated based on at least 3 parameters:

• account/portfolio age,
• past earnings,
• funds invested by other investors.

Here is an example of one of the most popular PAMM accounts on Alpari:

PAMM account "Lucky Pound" and its profitability (click to enlarge)

💡 More than 500,000 dollars have been invested in this PAMM account (trader), its profitability for 3 years and 8 months was 2051%.

However, it should be taken into account that despite the fact that in the past the accounts/portfolios showed good returns, in the future there is a possibility that they will turn out to be unprofitable.

Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!

Read more about how to invest in PAMM accounts correctly (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information!

With a larger initial capital, you can work with large stock brokers (for example, Finam and BCS), which also provide various trust management strategies.

For example, on Finam in trust management, you can give from 300 thousand rubles. Their website features dozens of diverse strategies: conservative, moderate, and aggressive.

Of course, both brokers and managers also cannot guarantee 100% that you will receive income.

Here I want to tell you a few words about the so-called "structural products".

They are also intended for beginners who want to increase their money. Structured products can bring returns up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which, as experts expect, will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.

Here is an example of structural products on Alpari:

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Particularly suitable for beginners.

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and more	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By allocating funds to the most efficient managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

Another option is to buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

At the same time, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and aspiration!😀

I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires about 70-80% - These are entrepreneurs who started a business from scratch!

✅Please note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even if it is small at first. The main thing in this business is not to be afraid take the first step!

Think about it, maybe you always wanted to open your own auto shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a business in the service sector.

I will also give you a few options from my experience, how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is easy to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this! 🙂

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While both in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

CONCLUSION: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and more	High risk initially	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest yields among all investment instruments.	(+ ) It is easier for businesses to find partners and/or co-investors. You can start without large investments, the main thing in business is an idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business.	(- ) You need to understand the business and understand how it works, even if you invest in a "foreign" business. You need to constantly learn.

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

Mutual funds are professionally engaged investment activity, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, such as Sberbank.

If this type of investment is right for you, then it makes sense to choose not one mutual fund, but several in order to distribute possible risks.

And make it a rule before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Yield:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average yield exceeds the interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) There is no guarantee that you will receive income. There is an additional "commission" (surcharge) for buying/selling units.	(- ) You will have to pay a 13% income tax - many other investments have preferential taxation conditions.

Option #9: Microfinance Institutions (MFIs)

DESCRIPTION: Another type of investment is investing in MFIs. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you still decide to invest in an MFI, then be sure to choose a trusted company that has been operating on the market for more than one year.

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!😉

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Yield:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFIs are allowed to attract from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious Metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

Gold coins/gold bars can be purchased both at almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).

Despite the high reliability, investing in gold is more suitable for saving existing funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has grown from 1,600 rubles per gram to 2,400 rubles per gram.

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has significantly fallen in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.

Yield:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is practically no risk of depreciation of gold. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago when bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that bitcoin is about to crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that bitcoin and other cryptocurrencies will probably grow in price.

Especially while cryptocurrencies show a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In the case of the growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies, in a matter of days they can both grow in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. The complete absence of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to earn money in this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

WITH 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

Meanwhile, the owners of such publics also earn mainly from the publication of advertising posts. In public with millions of subscribers, the cost of one advertising post can be worth 2-7 thousand rubles .

Publics with relatively small investments pay off very quickly. Although now the competition in the public is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then you won’t have to wait long for success!

3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.

For example, if a person who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

If you can effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go exactly to advertising.

But in this case, the main role is played by experience, without it, nowhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers…

For example, projects that are engaged in the exchange of electronic money(in fact they are called exchangers).

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is through exchangers. By the way, you can also buy bitcoins with the help of exchangers.

Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a fairly decent income is obtained.

5. Apps for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where big money is spinning.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent affiliate commissions from airlines.

Even if you don’t know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays the key role - the success or failure of the application depends on it.

6. Hype. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest (1-5% per day) on the invested funds, but of course they can only function for a few days or weeks, after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs Very risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a scam (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can give high returns with a minimum investment.

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High yield. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort.	(- ) There is a risk that the project will not shoot and will not pay for itself.	(- ) knowledge is required. You need to be well versed in the key nuances of the Internet business.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment tool.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture capital investments.

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investment is underdeveloped in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Yield:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (in venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widely developed - investment sites may turn out to be financial pyramids.

Option number 14: Art objects

DESCRIPTION: Another unusual way to invest your money is to invest it in art. This is a rather narrow and specialized market, however, it can bring good returns.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only cost more over time.

And the crisis practically does not affect the value of art objects.

CONCLUSION: This type investment is suitable for those who understand at least something in art and are ready to invest money in the long term.

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and more	minimum	usually 1 to 3-5 years	from 100 000 rubles and more
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get a relatively high return with minimal risk.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investments in art require a large initial capital and involve long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option #15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, but always the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience ...).

It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.

I think more than once you have heard stories that most people who have won millions in the lottery, after a few months or years, again returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences about investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the USA: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - in a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍

Yield:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks/months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money.	(- ) For many, it is difficult at the first stage to motivate yourself to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules for proper investment - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money properly!

First What I talked about at the beginning of the article is not to store all your eggs in one basket. This rule applies especially to you if you have a lot of money to invest.

Instead of investing everything in one instrument, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second— try to invest most of the funds (40-60%) in assets with the least risk, the best choice between return and risk, as for me, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is a tried and tested path, on which hundreds of millions of rubles have been lost!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- Before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.

It will also be great if you learn how to give 10% of your profits to charity.

As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. Consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

Also a relatively small amount by the standards of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. Organizers similar projects offer huge interest rates, fast payouts, very favorable terms, etc. - all if only people would invest their money.

Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier) are essentially also built on the basis of financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

Another controversial investment tool is sports betting. It is realistic to make money on them in the long term, but only bet organizers and 5-10% of participants (those who are in the know) do this, and the rest only constantly lose money.

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin 😀).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀

Once again, I emphasize that in my experience, the most profitable investments are investments own business / business And knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!