What generates income on the Internet. What is passive income and how to create your own sources of additional income

Each of us wants to receive passive income, while minimizing investment risks and not losing what has been accumulated through various efforts and labor. Today it is possible to do this if you pay attention to the investment blog, which has been following all the changes, news for almost 3 years and tries to regularly offer you useful articles, recommendations and advice.

Investment blog - all about ways to make money on the Internet

What is an investment blog? This is the site where the following are collected:

• Articles about money, economics and finance;
• Useful recommendations on how to make money without investments and where you can make a profit on the network;
• Up-to-date descriptions of working with cryptocurrency, reviews of profitable cryptocoins;
• Actual ways of making money;
• Interesting news from the world of money, which is important for everyone.

And this is far from full list of where exactly the blog might come in handy. I am glad that both newbies, with whom we are going together to the Olympus of financial independence, and experienced market sharks who received their Oscars, approaching good indicators of total income, are cooperating with me. Many people choose GQ Blog Monitor for 10 reasons:

1. I share my own experience absolutely free of charge, which is rare in today's world;
2. I regularly fill the blog with useful articles, anticipating your information requests;
3. I draw conclusions and analyzes, therefore, weekly I publish detailed and complete reports on the work of the blog;
4. I do not force you to do anything, I only recommend;
5. I always point out the pros and cons of specific proposals;
6. I regularly offer various contests where you can get financial rewards;
7. I am open to new proposals;
8. I provide a publishing platform for young and talented authors;
9. I am glad to every comment under the materials;
10. I am in touch with you in many in social networks.

Private investor blog Ganesa

Having gone through many stages of the starting path on my own, I came across a rake that made me smarter, and set my work in a productive direction. And I know how important it is at the very start to have qualified and professional support from an investor who went through everything on his own.

“Why a blog?”, You ask, and I hasten to answer that this is a convenient form of communication, filling content and establishing communication. And in the financial world, where something changes every second, the bitcoin rate loses or gains up to hundreds of dollars, and miners mine new block, it is extremely important to constantly be in touch and respond promptly to everything. GQ Blog Monitor can boast of this. I do not just advise, I also simplify your life. Launched at the beginning of the year, the crypto portfolio is a convenient method to streamline investments and only monitor positive updates. If earlier you kept records on your own, now everything is much easier.

Investment blog articles appear every day, but I fill the content taking into account the desires, opportunities and interests of everyone. I do not keep a separate blog for an experienced trader or a beginner, I do not write separate articles on investing in stocks, as in a highly specialized blog of an investor. My blog combines practical investor advice, testimonials, tips, news from various financial fields. Together with me, you will not only be able to learn how to make money work, but also what needs to be done so that the slogan “Keep and Increase” becomes the basic rule for all partners.

Taking into account the tastes and informational preferences of each investor, I propose to choose the priority areas, and follow the novelties of the "Hot Topics". The blog of a private investor is open to criticism and comments, and all your questions will necessarily find answers: prompt and in full. You can always see how I work and what projects. The blog sections contain the most relevant articles about everything that will help you become a financially independent person: from the principles of the cryptocurrency mining algorithm and how to work with faucets and make money on paid surveys.

In reviews and reviews of new projects, I suggest HYIP monitoring with detailed analysis and regular reports on the work of the sites. Everyone investment project served from different sides to partners:

• legend;
• marketing;
• information about the administrator;
• my personal opinion;
• technical part.

This is done so that the decisions you make and the specific investments you make are objective and effective.

My conclusions about investment blogs and my blog

In order to develop and follow all current trends, I read the blogs of partners "Keep the money!" plastic cards; and flipping through the blog from an experienced couch potato investor, you can learn more about the forex market and the rules of working on it. I often visit the blog from Denis, a free investor who works with cryptocurrency. You can work with PAMM accounts and learn about investing in stocks and gold by reading the materials of a lazy investor who has been blogging for a long time. They learn a lot from me, some I learn from them. And this is good: the exchange of data and information always has a positive effect on each side.

Each blog is individual and interesting, and the investor's platform in its own way. I can say: filling my blog for everyone: investors, those who work on the network and are looking for ways of anonymity, who are interested in stocks and cryptocurrency, choose HYIPs, stocks, and are looking for options for remote earnings. For the convenience of accounting, the investor's portfolio is functioning.

I work for all investors, no matter what the total volume of your investments per week or month. GQ Blog Monitor is your guide, advisor and companion in the world of investment and financial literacy. I hope that when the next wave of voting among readers and users for the best investment blog of the Russian Internet takes place, you will bet on my investment blog, which contains in one place recommendations on how to increase money during the Super Moon, tips on how to invest small amounts and the best fresh HYIPs.

My invest blog is an encyclopedia, an address book, reliable assistant and a news feed consultant for everyone.

Passive is an income that does not depend on a person's regular activities. The simplest example would be a bank deposit: it consistently brings interest to its owner. Regardless of the age of the depositor, the presence of illness or the desire to go to work, interest will be charged to him.

Active income depends entirely on the actions of the person. To receive it, you need to engage in any activity: produce goods, sell them, provide services, extract minerals and much more.

Revealing the concept of stable passive income, one should not forget about the risks. On the example of a deposit, the following risks for depositors can be distinguished:

• depreciation of currency;
• bank bankruptcy;
• force majeure.

There are also a number of inconveniences: interest is calculated after a certain period of time (for example, once a month), and you cannot use the invested money until the end of the term of the deposit.

Therefore, before creating a passive source of income, it is necessary to take into account all possible risks of the activity.

Proven ways to create passive income

Before you create passive income from scratch, it is recommended that you familiarize yourself with existing ways such passive earnings. This will help you see all the advantages and disadvantages of the main passive income options. The article will review effective and proven sources of passive income. They can be used as a foundation for building your business.

It should be borne in mind that, having a certain amount of funds, it is somewhat easier to build a source of stable passive income. Without money to realize your dreams, you will have to spend your own time and energy.

Business registration and delegation of authority

This is the most effective method receive passive income. It has a minimum of disadvantages when competent organization Affairs. To create it, you need the following:

• organization of the enterprise;
• business development;
• reaching a stable income level;
• selection of a candidate for the position of manager;
• making a profit with minimal spending of time on control of key documents and making important decisions.

Of course, there are risks here as well. Among them, the main one stands out: the responsibility and decency of the manager. The further success of the company or organization will depend on his daily decisions. To select a suitable candidate, most often they resort to proven personnel who have worked at the enterprise for a long time.

It is not easy to create and grow a business. This takes a lot of time, money and skills. However, there are many situations when a skillfully chosen niche for doing business allows you to quickly develop it.

What you need to start your own business:

• business plan;
• start-up capital (in most cases);
• official registration;
• rental of premises;
• hiring employees (if required).

Any enterprise carries risks for an entrepreneur. No one can be sure that the activity will generally generate income and not losses. Therefore, you need to weigh everything correctly before creating your own business. If everything is done correctly, the entrepreneur will have success and the possibility of earning passive income.

Selling your intellectual property

This type of activity is suitable for those who have knowledge and skills in certain sciences or specialties. How to create passive income from scratch while being able to create in-demand information products? They need to be implemented.

What can be attributed to intellectual property:

• artistic, literary and scientific works;
• created unique industrial designs;
• developed software;
• invented objects or technologies in all branches of life.

As you can see from the list, intellectual property can be in any area of ​​human activity. Passive profit can bring both a written book and a unique invention that helps to increase the productivity of equipment, for example. For the property to be individual, it must be documented. For this, patents are granted and copyrights are assigned. By owning them, you can profit from the sale of your goods / services.

The simplest example for considering the option of making a profit would be a written book. The author of the book will sell copies of the books himself or by entering into an agreement with a publishing company. The owner of the rights will make a profit on every book sold. If it is in demand, it makes a profit. If it is in demand for a long time, it makes a profit for a long time.

This does not only apply to books. Increasingly, they are resorting to creating various programs on PCs or mobile devices. One completed project can bring passive profit until another, cheaper or more useful, appears on the market.

Accordingly, to create such a source of income, a person needs:

• come up with / create something unique and in demand for society;
• confirm your rights to the invention;
• to realize the product of their activity.

Disadvantages: a lot of work is needed to create unique pieces / techniques / technologies; property may be unclaimed and will not bring tangible profits.

Building your own trading network

Such a network is able to provide its owner with constant passive income. All actions will be performed by members of the network, and its creator will receive an ever-increasing profit. To do this, you need the following:

• create your own unique products (less often services are provided);
• formalize a manufacturing and sales enterprise or cooperate with a manufacturer;
• to interest those wishing to become members of the network;
• sell them to other network members;
• form the price of the product in such a way that part of the profit goes to the owner of the network, and part to the seller of the product.

Anyone who wants to make money in such a network must sell these goods. The more he sells, the more he earns. The main key to success is high-quality and sought-after products at competitive prices. This can be anything from beauty products to food, medical supplies, or unique services.

The main difference from most network marketing companies should be the following:

• providing guarantees to all network participants;
• using only safe products;
• availability of contacts for communication with the management and all comprehensive information about the activities of the organization.

These factors will increase sales and employee engagement.

14 october 2015

Greetings! Today I am starting a new series of articles on personal finance. I'm sure a little motivation and useful life hacks won't hurt anyone. Let's start!

I believe that sooner or later each of us must reach a level where you do not work for money, but money works for you. Unfortunately, in Russia this is not taught either in schools or in economic universities.

But in fact it is easier than it seems! And today we will talk about how to organize passive income in the Russian realities.

The beauty of passive money is that its availability is no longer dependent on our efforts.

Let's take the income from employment for comparison. Let's say a sales manager for household appliances. His monthly income has two parts: a flat rate plus a percentage of sales. By the way, on such a job you can earn very decently. But! As soon as our conditional manager stops selling vacuum cleaners and washing machines, his income falls ... to zero.

Every working day, he exchanges his time and energy for a cash equivalent. He stopped straining (got sick, quit his job, started drinking) - the trickle of money immediately dried up.

Employment - classic example active income. That is, income, which directly depends on the efforts made by a person (like riding a bicycle).

By the way, freelancing and private entrepreneurship are also classified as active ways of earning money. They differ from hired workers only in that freelancers and individual entrepreneurs work for themselves: they plan their working day themselves, look for clients, advertise, purchase goods, pay taxes, and so on.

But the method of obtaining regular income remains the same: freelancers and private entrepreneurs exchange their spent time, energy and nerves for money. As a rule, at a more favorable "rate" than office managers, but you still cannot relax.

How are passive earnings fundamentally different from active ones? A more profitable "exchange rate" of time and effort for real money! If an employee has a conditional rate of 1: 1, a small entrepreneur 1: 2, then a good passive source gives a return of 1:50 or 1: 100! You work on creating a source of income once, and then money flows constantly and without your direct participation!

You sleep - the bank account grows. You are on vacation - your e-wallet is replenished. You are traveling - and the money is only getting more (or at least not less). Ultimately, the attitude towards work changes. Such an autonomous source makes it possible to work for the sake of self-realization or pleasure, and not in order to survive ...

Types and examples of passive income

Several types of passive income are relevant for Russia. To be fair, I will note that there are many more options abroad. But we also have plenty to choose from!

Financial (investment)

This is perhaps the easiest way to ensure yourself a consistent source of payments over time. The principle is simple: we invest in various instruments, receiving "buns" in the form of interest and dividends.

There are a lot of investment income options (including on the Internet): bank deposits, mutual funds abroad, securities, as well as income from real estate or car rental.

I would like to dwell on securities in a little more detail. In fact, there is a whole thing about this tool on my blog, but if you sum them up, then there are only two main types - and bonds. The first, are a more risky option, but with their help you can earn more. Let's talk about them in more detail.

Dividend shares

Few people know that stocks are not only a tool for speculation, but also an excellent asset for earning: passive and regular. Russian companies have been paying dividends to their shareholders for a long time. On average, the size of dividend payments is now 3-6% per annum. But on the market you can find a bunch of offers and more interesting - 8-10% and more (for example, MTS, Surgutneftegaz, M-Video).

Source: Larisa Morozova

The development of the company guarantees the growth of dividends. And you, as a shareholder, receive a “piece” of a promising company and a share of its profits on an indefinite basis. By the way, this approach to stocks is also called.

Bonds

For those who prefer a stable interest rate (mind you, higher than banking!) And low level risks will come up.

About 95% of bonds of Russian and foreign companies provide for the payment of a coupon yield (most often, twice a year). Bonds are a great alternative to bank deposits. They provide slightly higher returns for the same or even more high level reliability. Provided that you invest in quality bonds, not junk bonds!

Intelligent, including the Internet

This option assumes creativity and minimal creativity. This includes the copyright for a book or logo, or a patent for an invention. It is clear that the classic intellectual income is not suitable for everyone and it will not work to tell in 2 words how to create it. But I'll give you a couple of ideas.

On the Web, "tutorials" are sold in the most different formats: books, video lessons, personal consultations, webinars, courses and paid access to materials in closed groups.

Naturally, all passive income on the Internet is associated with the creation of sites or services. Therefore, to start receiving such income, you first need to get your own project. Let me explain my idea in more detail.

Participation in affiliate programs

Owners of well-promoted blogs and sites can passively earn on affiliate programs. In my opinion, this is one of best options income on the Internet. The bottom line is that when you go and order a product / service using a link from your site, you get a percentage of the purchase in the form of a partner reward.

It is clear that the topic of affiliate programs should correspond to the direction of the site or group on Facebook. For example, a "children's" site can put affiliate links to online stores of children's goods, books in the "Labyrinth" or paid courses for young mothers.

Affiliate programs are also very different in terms of profitability. Someone pays more, someone less. Some of them accrue the partner remuneration honestly, while others try to cheat. Everything is like in life.

Therefore, it is better to select options on specialized sites - with descriptions and ratings of companies. Sometimes a related topic is offered by the Internet Investment Forum. Do not forget to carefully read the reviews about the program!

Creation of online courses

Each of us is an expert at something. Try to create an online course on "your" topic. Other training options: video tutorials, eBooks, audio files, checklists, interviews with experts, webinars.

1. The result should be displayed in the name of the course. For example, "Your first book in three months"
2. Break the long video course into several short podcasts on topics up to 15 minutes long
3. Consider the "clip perception" of the modern audience: less philosophical discourse, more vivid images
4. Take care of a beautiful "picture": background music, catchy screensavers at the beginning and at the end, infographics and slides
5. Provide feedback. Courses with homework check are usually more expensive, but also take more time from the author

Reviews on sites

Bonus point. I warn you right away that earnings on review sites will be scanty. Very few can boast of an income of even 1,000 rubles a month. And it would be a stretch to call this way of earning "passive".

Who is it for?

1. Those who plan to master the profession of a copywriter and want to make money by writing texts. IRecommend and Otzovik are a great opportunity to learn how to write short commercial texts with a catchy headline
2. Those who still do not believe that it is possible to earn money on the Internet. According to my observations, more and more money from real life"Flows" to the Internet. And the winner is the one who is able to use new opportunities before others.
3. Those who consider themselves an expert in one of the fields. If you are well versed in car accessories, natural cosmetics or books - share your opinion with others. Usually experts like to talk about what they know a lot about. So why not do the same for a fee? Even if it is symbolic.

Marketing income

The point here is that you create a brand or commercial structure, which over time begins to work for you.

A typical example: a built MLM network or your own recognizable website. If over time your name becomes a brand (at least at the level of a YouTube "star"), then additional income is guaranteed through participation in advertising projects and affiliate programs.

Far from everyone succeeds in “gaining a profit” when selling Oriflame or AVON products. But to withdraw own website in 6-12 months for an income of $ 100-200 is quite real! The site owner can earn on affiliate programs, on the placement of paid advertising articles, on contextual and teaser ads, on the sale of links, and much more.

Where to get money to create sources of passive income?

Unfortunately, everything in this life "from scratch" and "without investment" happens only in advertising. In principle, everything is logical: in order to "persuade" money to work for yourself, you first need to find this money somewhere and invest it successfully.

Even in the tale about Pinocchio, Alice and Basilio did not promise that money would grow out of nothing in the field of Fools. Pinocchio had to plant five gold coins in the ground and water them constantly.

All sources of passive income require an initial investment. In MLM, you need to buy a minimum batch of goods. In site building - pay for a domain, hosting and specialist services (design, copywriting, promotion). To create a high-quality educational product - invest in brand promotion.

So where to get the money now to secure your future in the long run?

There are only two options (and no one has yet come up with the third): increase revenues and cut costs. Better yet, do both at the same time!

We increase income

It's not just about finding a second job or a part-time job (although this is also a good option). "Extra" money to create passive sources of income can be found in the most unexpected places.

For example, to do a general cleaning at home and put up for sale (say, on Avito) all the things you personally do not need. Here is a sample list: branded clothing in good condition, baby products (toys, strollers, cribs), digital and Appliances, collectibles (stamps, coins, old books, records).

You will be surprised how much "money" is simply gathering dust in your apartment or in the country. Do not spend the money received from the sale, but immediately place it in assets!

And of course, no one canceled the 10% rule. Direct one-tenth of all cash receipts to create passive income. As Bodo Schaefer writes in his book “The Path to Financial Independence”: “You will not notice losing 10% per month. You will live either as well as before, or as badly. "

Yes, and one more important point! In the process of creating a new source of income, it is much more important not the size of the infusions, but their regularity! And until you reach the level of income you have set (1,000 rubles, 10,000 or 100,000 per month), you cannot spend your savings on personal goals!

Reducing costs

People came up with ways to save money in a carriage and a small cart: sales, discount sites, wholesale purchase of products, energy-saving bulbs ... There are so many options that I decided to write about saving.

And now I just want to give a start, so to speak.

First, close all debts and loans (especially interest) as soon as possible. Debt is like a boat in the middle of a lake that suddenly starts leaking. You spend all your efforts to bail out the water and not drown (in our situation - to make monthly payments with interest). And you and I need to move forward, to, and not spin in one place! Loans and debts are shackled hand and foot, and ooooooo much inhibit development.

Second, buy yourself a diary from last year (or a regular notebook). And record income and expenses every day, down to metro tickets and cups of coffee. For convenience, divide your expenses into categories: "Food", "Entertainment", "Nonsense", "Auto", "Communication" and so on. I promise you, at the end of the "reporting" month, you will be greatly surprised by the results obtained.

The program not only allows you to record your spending, but also provides a ton of useful analytical information on your operations: income, monthly charts, various spending scales. Well, the paid version will allow you to keep one budget for the whole family!

For example, you and your spouse together keep records in a coin-caper, each with their own mobile device... As a result, all data is synchronized and you can always find out how much money from the family budget was spent "on cosmetics" or "at a bar with friends."

Which ones do you prefer? Subscribe to updates and share posts with friends on your favorite social networks!

Many have always dreamed of having a passive income on the Internet without investing with a withdrawal of money. Nowadays, thanks to the global network, there are many more opportunities to make such a dream come true. The main thing is not to rely on free money. To get passive income without investments with daily payments, you must meet the following requirements:

• the presence of primary investments, that is, start-up capital;
• constant self-education and study of trends in the chosen field;
• independent work in the first stages of investment.

How to have passive income and where to start?

Passive income on a computer is a constant profit on "autopilot" without your participation and active actions. In the classical sense, "liability" is income from existing bank deposits, shares and investments.

I would like to point out that making money on the Internet is quite controversial. Many who have burned themselves on a similar topic argue that it is impossible to receive passive income on the Internet. But most of them just fell for advertising companies that promise foreign dividend percentages without serious investment. Usually this is done by scammers who lure a certain amount of money into intoxicating customers. In fact, without serious investments in proven industries and a commercial vein, it is almost impossible to get a "liability". How to organize passive income?

Watch a video about passive earnings from millionaire Robert Kiyosaki:

What types of passive earnings are there?

Today, the following methods of passive earnings on the Internet can be distinguished:

• Invest a large amount of money in the chosen business area and receive income through automation, making money with someone else's hands.
• Creating passive income from scratch on your own without a large investment, but this method requires a lot of effort. At the same time, few are able to give their best and quit working before making the first profit.

What are the passive income options? How to invest money wisely? The types of passive income in Russia on the Internet will delight you with their diversity. I will tell you about the most popular and proven methods.

Passive income ranking top 10

I suggest you familiarize yourself with the top 10 ready-made examples passive earnings, from which you can outline the most promising options for yourself.

Creating a blog

This type of earnings does not require large financial investments, but it does require investment of free time. At the same time, creating a blog is not possible without creative resourcefulness. In order not to invest in your own website, you can start a blog on third-party specialized resources. In this case, you will receive earnings from advertising the posted blog. If you have a sufficient amount of free time, then you can purchase a ready-made blog that brings a steady profit. For this, there are special resources on which sellers post their blogs.

You can also purchase a ready-made online store with automated work. Very often, these stores act as intermediaries between the seller and the buyer. Therefore, there is no need for pre-purchase of goods.

YouTube channel

YouTube vlogs - the new kind passive earnings, which is gaining more and more popularity. You can receive income from official advertising from Google, affiliate programs, cooperation with famous brands, media networks.

Earning money on subscribers in social networks

When promoting a public on Vkontakte, Instagram, Odnoklassniki and collecting a large number of subscribers, they can be easily monetized through advertising, CPA networks, and affiliate programs.

Earning income from intellectual property

This type of earnings also requires a large investment of money or time. If you creative person having free time, you can try to create an intellectual product on your own.

If you have sufficient capital, you can purchase intellectual property copyrights. Then, by advertising it, we receive passive income from its use by third parties.

Where to invest money for passive income?

Examples of investment portfolios

There are many investment opportunities on the Internet. Many of them are fraudulent. Therefore, the choice of an investment object must be taken seriously. You can invest in stocks, government bonds or cryptocurrency. Investments in cryptocurrency are the most promising for experienced investors. If you don't have time to study modern trends, you can invest in a trusted trader who will take your assets into circulation.

Internet business

On the website telderi.ru you can buy a ready-made Internet business with passive income from 1000 rubles. up to 2 million rubles.

There are a great many options for business projects on the Internet. At the same time, such a business does not always require the intervention of an investor; modern algorithms for automating Internet business allow you to receive passive income by hiring managers. Starting a business from scratch is risky, but you have a great opportunity to buy finished project on the exchange sites telderi.ru. Here you can find online magazines, online stores, blogs that are already generating a steady income.

Startup projects

Investing in startups is a great opportunity to support young geniuses and share with them the income from their creative business ideas. Despite the existing share of risk, if successful, the investor will be able to recoup his investment with interest and receive stable passive income without making any effort. You can find projects for investing passive earnings on the napartner.ru startup exchanges. Here you will be able to filter offers by investment size, payback period and profit payment terms, and familiarize yourself with the proposed business plan.

Partnership programs

The essence of the affiliate program is to attract clients to advertisers. This happens through a referral link that you can post on your website, blog or third-party resources using advertising.

Mutual funds

Mutual funds are a promising and highly liquid instrument for obtaining liabilities for those who have their own savings. Mutual funds allow you to receive income from 10 to 50% per annum and enter the stock market without having much experience in trading. When you buy a share, you entrust your savings to competent portfolio managers who, with the help of their knowledge, increase the capital entrusted to them.

Internet traffic trading

Selling traffic is a great way to make money effortlessly. The essence of this earnings is that you buy cheap traffic and resell it at a higher price on the exchange or redirect it to selling pages, affiliate programs, CPA networks, getting paid for clicks, registrations, sales. You can get cheap traffic using SEO, teaser networks, context, targeted advertising on social networks.

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

There are actually a huge number of investment options! Not all of them are effective, and what to hide is often just fraudulent organizations, the only purpose of which is to get money and hide with them forever. I know about this firsthand !?

In this same 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 of all 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 , specific examples and useful tips that will allow you to invest money correctly and get high passive income !?

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

Plus you will learn:

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

Sit back 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 need to invest only your own free cash ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.

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

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

Secondly, before investing your money somewhere, you need to actually assess what kind of risks and what profitability can be obtained from one or another attachment.

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

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

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.

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

Thirdly 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, stocks, business projects ...) - 30% of all funds;
3. aggressive portfolio (foreign exchange market, cryptocurrencies ...) - 20% of all funds.

❗️Important:
You do not need to invest all your money only in instruments with very high profitability, since in this case the risk of losing your money will also be very high!

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

Investing is primarily about 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 minimal 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 better to invest in 2019 - TOP 15 profitable investment options

So, let's finally consider the options and decide where you can profitably invest your money so that they bring 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%.

IN last years deposit rates are falling steadily 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" (IIS) 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 will be able to receive a personal income tax deduction (13%), that is, in fact, you will not need to pay taxes on income! Such preferential terms were developed by the state to support and develop investment in the country.?

But naturally 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 the financial crisis! The rest of the time, stocks are generally growing steadily and are showing good returns.

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 (100 US high-tech companies).

If you do not want to personally engage in investing, then there is an option to entrust your money to a professional manager. But I will describe this in detail below.

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

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

Option # 4: Bonds

DESCRIPTION: Where do you think the big banks are investing? 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 simple tools for investment. But unlike bank deposits, the rate on bonds is significantly higher.

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

? By the way, Sberbank and VTB24 recently started selling national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyNS .

I agree, not very much, but the rate is certainly better than most of those available on this moment 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, for Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the term).

At the same time, you can invest large funds 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.

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 this they are called "junk bonds"). Although they are capable of generating a fairly high income, they are a very risky investment.

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

CONCLUSION: Bonds are suitable for those looking to earn an average yield with a relatively high guarantee.

Profitability:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and above)	depends on bonds (for government bonds - very low)	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 profitability compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less credibility it has.

Option # 5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy / sell a particular 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 bought 10,000 dollars at the 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, was 30,000 rubles(of which the broker's commission is about 600-800 rubles).

You can trade on Forex either yourself or give money to the management of professional traders (this will be described in detail in the next section of the article).

When trading currency 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 did I do exactly that?), As this usually leads to serious losses.

It is important to note that in personal trading, you need to follow a proven trading strategy, otherwise the trade is likely to turn into a casino and lead to a previously known sad result.

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

Although you can start at Forex with minimum 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% in a month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies for day bars is Price Action. Many articles have been written about her on the Internet - read it for anyone interested!

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 get high returns. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below !?

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and above	depends on the strategy (initially has a high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) With an effective strategy, you can get high returns.	(+ ) Low entry threshold and availability.	(- ) High risks, especially for beginners. It is possible to lose significant money in a short time if the risk is not managed. 99% of newbies lose their money.	(- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period.

Option # 6: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who have no experience and even time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).

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

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

For example, the broker Alpari, which I already mentioned above, allows this. The entrance 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.

⭐️ About 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 great!

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

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

For example, here is one of the most popular PAMM accounts on Alpari:

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

? More than $ 500,000 has been invested in this (trader's) PAMM account, its profitability for 3 years and 8 months was 2051%.

However, it should be borne in mind 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.

So again, don't invest all your money in one trader! Constantly monitor the situation and get rid of accounts / portfolios that bring losses for a long period. This is the whole secret of investment!

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

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

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

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

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

They are also intended for beginners who want to increase their money. Structured products can bring returns of 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 experts expect to rise or fall in the future.

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

Here is an example of structured products at Alpari:

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

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and above	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 distributing funds among the most effective 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. The 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 of investing, which can bring you more than one hundred or even a thousand percent of income!

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

Alternatively, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

Moreover, even if you have a small initial capital, you can still open your own business. Many people have discovered profitable business practically without investment or with minimal investment, so money is not the most important thing here, the main thing is desire and aspiration !?

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

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 preferable option!

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

And how to find your favorite job / life's work - read.

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

Think you have always wanted to open your own body 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 invest a lot of money right away.
2. Choose niches with minimal competition - they are easier to start there.
3. If you have little start-up capital, it might be worth trying a service business.

I will also give you several options from my experience, how you can start a business with minimal investment, I think it will be interesting for you !?

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell products through ad platforms (the most popular is Avito). I just started with this!?

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

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

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

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

Read more about how to organize - read in a separate article!

CONCLUSION: The business is able to bring very high profitability with minimal investment. In addition, a business can be turned into a favorite thing, which is interesting and you want to do it!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	Initially high risk	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 returns among all investment instruments.	(+ ) It is easier for business to find partners and / or co-investors. You can start without big investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses are closed within 2-3 years. Low liquidity - it is difficult to sell a business quickly.	(- ) You need to understand the business and understand how it works, even if you are investing in "someone else's" business. You constantly need to learn.

Option number 8: Mutual investment funds

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

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

Absolutely any person can become a depositor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, the shareholders receive 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 low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds over 11 months:

Profitability of 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 or more.

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

If this type of investment is suitable for you, then it makes sense to choose not one unit investment 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 real people on the Internet, and also read what they write about them on the forums. With such a 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 mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Profitability:	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 the purchase / sale of shares.	(- ) You will have to pay 13% income tax - many other investments have preferential tax conditions.

Option number 9: Microfinance organizations (MFOs)

DESCRIPTION: Another type of investment is investing in an MFI. The return on such investments on average ranges from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum term in an MFI is usually 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 nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.

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

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

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

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and safer to invest in real estate than in an MFO! ?

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 at the same time, there are corresponding risks. And the entrance threshold is rather big, to put it mildly.

Profitability:	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.	(+ ) Income passivity. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFOs are allowed to borrow 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. Fraud is present.

Option number 10: Precious metals

DESCRIPTION: Another well-known type of investment is investments in precious metals, in particular in gold. Moreover, such investments are highly reliable!

It is especially important to invest in gold and other precious metals during a crisis, since this is where money from the stock market migrates.

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

Despite its high reliability, investing in gold is more suitable for preserving available 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 1600 rubles per gram to 2400 rubles / gram.

The total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and then such a yield was obtained thanks to serious devaluation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold after 2012 has dropped significantly in price 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 preserve them.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (during a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High investment reliability. There are practically no risks of gold depreciation. Easy to buy / sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investing in them is suitable for saving funds in times of 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 number 11: Cryptocurrencies (bitcoin)

DESCRIPTION: Over the past, Bitcoin has grown more than times and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.

Of course, the most best time for investments it was a few years ago, when bitcoin was worth about 150-200 dollars.

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

Others argue that Bitcoin will 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.

Moreover, while cryptocurrencies are showing 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% - this is quite common here. And in a year you can both increase your investments 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky a tool, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - it is definitely not worth investing all your money in them!

Profitability:	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 case of 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 rise in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, since this is another bubble. Complete lack 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 make 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 get 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 topic, you can earn about 200-3000 rubles in a day. The spread is very large, since it depends on the topic of the site how much income you receive.

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

But still, in the beginning, you will need to grasp the essence and understand the key details of such a business.

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

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

Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right public topic, post high-quality and interesting content and engage in public development, 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 follows your affiliate link opens a current account in a specific bank, then you can earn 2-3 thousand rubles

If you know how to 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 precisely to advertising.

But in this case the main role experience plays, without it anywhere!

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

For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.

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

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

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

So if you have interesting idea, which will be in great 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 partner commissions from airlines.

Even if you don't understand anything about how to create applications, they can be done for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

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

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

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

There are HYIPs that “live” for several months or even for 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 HYIP turned into a "scam" (stopped paying money).

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

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

Profitability:	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 profitability. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or completely from scratch, investing only your own time and effort.	(- ) There is a risk that the project will not work and will not pay for itself.	(- ) Knowledge is required. You yourself need to be well versed in the key nuances of an 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 instrument.

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

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

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

? A real example!
The largest for today Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.

In 2 years, Apple shares have risen by about 5000 times! So if you were investing in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .

There are basically several ways to invest in start-up projects:

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

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

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest yield possible.	(+ ) 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 widespread - investment sites may turn out to be financial pyramids.

Option number 14: Objects of art

DESCRIPTION: Another unusual way investing your money is investing it in art. This is a fairly narrow and specialized market, but it can still generate good returns.

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

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

Like investments in precious metals, investments in art objects are not subject to inflation and will only cost even more over time.

And the crisis has practically no effect on the value of art objects.

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

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

Option number 15: Knowledge and own development

DESCRIPTION: As incredible as it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience ...).

You need to understand that first of all it is knowledge / experience, and not money allows you to earn and increase your own.

I think more than once you have heard stories that most people who won millions in the lottery, after a few months or years, 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 all the more makes sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences between 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 United States: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you do not yet know where to invest your money, then the safest option is to invest it in yourself (at least some of it). And do not forget that even a bad experience is also an extremely valuable experience! ?

Profitability:	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 themselves to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules of correct investing - 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 correctly!

First, as I said at the beginning of the article, is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.

Instead of investing everything in one instrument, divide the amount equally into 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 lowest risk, optimal choice between profitability and risk, as for me, is real estate.

And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then you should not meddle yourself and invest 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 get through bad 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 this is a real company and not a scam.

It will also be great if you learn 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 make money - specific examples

In this section of the article, I will tell you where, according to my experience, I would have invested money, having available this or that amount of investment!

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.

Alternatively, 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 structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.

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

It is also a relatively small amount in terms 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 in hand, you can already try to invest in almost any of the instruments described in this article.

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

Or as an option:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them into trust, 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 becomes more expensive in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where is it 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 get caught by scammers.

The world is full of people who invent various schemes for taking money through fraud. Especially nowadays, fraud is thriving on the Internet (and not only!).

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will 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. The organizers of such projects offer huge interest rates, quick payments, very favorable conditions, etc. - all if only people invested their money.

Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from the greed of other people!

Money does not come out of nowhere, if someone receives money, then surely someone will part with it!

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

Sometimes the "history" of a project is so well created and worked out that fraud can be detected common man very hard.

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

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

I will also highlight another type of common 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 your money away (tested on your own skin?).

Thus, you need to invest in what you are good at! Otherwise, those who are well versed in what you do not know will profit from you! This is my sad experience.?

If you are not yet particularly versed in this or that investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable ways of 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 on where to invest your money! ?

I emphasize once again that, in my experience, the most profitable investments are investments your own business / business and knowledge !

❓❓❓
Where do you think it is better 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 a successful and profitable investment! ???

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!