What is the best way to invest money? Where to invest money: investments for profit

Hello dear readers. Today we will talk about where it is more profitable to invest money at interest in 2019. To be more precise, I will tell you about the most favorable conditions for deposits that are currently offered Russian banks.

Why deposits? This is the safest option for depositing funds with interest. Economic situation Although the country is not in very good condition, a clearing up is visible and it definitely shouldn’t get any worse.

In general, opening a deposit in a bank takes 5 minutes. Financial and credit organizations are happy to serve clients who are ready to open a deposit. But the choice of the bank where you plan to place your deposit, even with only a small amount of money on your personal balance, must be taken very seriously.

First of all, you need to look at the reliability of the organization. Next, we will find out the conditions for deposits and, of course, the most important thing - interest rate. After all, we take money to the bank not just to preserve capital, but also to increase it. Now let's move on to considering, directly, some of the most favorable conditions for deposits that Russian banks offer on at the moment time. My review will include the TOP 10 proposals from financial and credit organizations.

Where is it more profitable to invest money at interest - the best deposits

At the beginning of compiling this rating, I could not decide by what criteria to select the best financial institutions. But then one very interesting thought occurred to me: why not model real situation from life - as if I were an ordinary average Russian with a very small amount of savings.

So, our budget is 100 thousand rubles. We will open a “Term Deposit” for a short period of time. This is the picture we get.

9. Deposit “Savings Certificate” of Sberbank

Under the terms of this deposit, the client has the opportunity to place a deposit for a period of 91 to 180 days, from 181 to 365 days, from 366 to 730 days, etc. We are interested in the first option. The minimum amount that can be deposited at interest is 10 thousand rubles. We have 100 thousand rubles, which means that according to the tariff schedule we can count on 5.2% per annum.

Accordingly, we calculate that our income will be 5,200 rubles per year, and if we put money for the shortest period of time (90 days) – 1,300 rubles. Under the terms of this deposit, interest payments are made exclusively upon expiration of the agreement.

This type of deposit in Sberbank attracted me because, in essence, you do not just put money in the bank at interest, but acquire a certificate that can be given to your relatives or friends as a gift. Or, after a certain period of time, exchange it for cash at Sberbank.

8. Deposit “Victory +” from Alfa-Bank

We already offer more favorable conditions by deposit. With our amount of 100 thousand rubles, we have the opportunity to receive 6.8% per annum from the deposit if we put the money in the bank for 92 days (the minimum period).

Again we carry out simple mathematical calculations and find that according to the above conditions annual revenue would be 6800 rubles, and for 92 days – 1700 rubles. That's better, isn't it? Alfa-Bank pays interest on deposits to its clients on a monthly basis.

By the way, insurance of treasures in this bank is carried out in the amount of up to 1.4 million rubles, which means that our deposit, in the event of any unforeseen circumstances arising related to the activities of a financial and credit organization, will be returned in full from the state budget .

7. Deposit “Compensation” from Gazprombank

This bank offers us to open a deposit for a period of 91 days at 7.1% per annum (in accordance with the tariff schedule for this type of deposit). Even more profitable than the two financial institutions discussed above.

Accordingly, the amount of profit under the terms of the “Compensation” deposit, our 100 thousand rubles will bring income in the amount of 1,775 rubles. Interest on the deposit is accrued upon expiration of the agreement concluded between the bank and an individual(that is, by us).

Also, according to the terms of the “Compensation” deposit, your investments cannot be replenished or partially withdrawn. That is, the amount remains fixed until the end of the agreement.

6. “Premium” deposit from Otkritie FC Bank

Next up is our turn another bank, meeting our criteria for where it is more profitable to invest money at interest in 2019. Clients of the financial and credit organization "FC Otkritie" have the opportunity to place their money under very interesting conditions.

So, for example, we can put our 100 thousand rubles for 91 days in the bank at 7.2% per annum, which is 0.1% more than at Gazprombank. Accordingly, the proceeds from the deposit will be 1800 rubles. As you can see, this is 25 rubles more. You can receive interest on the deposit only after the expiration of the contract.

6. “All Inclusive Online” deposit from Moscow Credit Bank

You have the opportunity to place this deposit either via the Internet or by visiting the nearest branch of the Moscow Bank Credit Bank" The minimum amount that can be placed in the bank is 1 thousand rubles, while, according to the conditions, the interest rate on a deposit for 95 days is 7.25%.

We return to mathematics, thanks to which we find out that in three months, putting 100 thousand rubles at interest, we will earn 1812 rubles.

It is also worth mentioning that the terms of the “All Inclusive Online” deposit also provide for automatic extension of the contract, but unfortunately there is no increase in the rate as the accumulation progresses.

4. Profitable Online deposit from VTB 24

Personally, I like VTB 24 bank because of its modernity. Holding a majority monetary transactions here provided via the Internet or terminals. And, of course, VTB 24 sometimes offers its clients interesting types of deposits that it would be a shame not to take advantage of.

We will open the “Profitable Online” deposit for 91 days, which means that according to the tariff schedule, the interest on the deposit will be 7.4%.

Our deposit for three months in the amount of 100 thousand rubles will bring an income of 1850 rubles. This is even more than in all previous banks. We will receive interest on deposits monthly.

By the way, I would like to draw your attention to the fact that the “Profitable Online” deposit is one of the few that provides for preferential termination of the agreement with the bank, as well as auto-renewal, which can be carried out twice.

To open this type deposit, you do not need to visit a bank branch - all actions are performed remotely, through the system banking services"Telebank".

3. Deposit “Classic online” from RosselkhozBank

RosselkhozBank is another financial and credit organization that offers its clients an advantageous offer for investing money at interest. The “Classic online” deposit has one interesting feature, compared to others, clients have the opportunity to capitalize their deposit using accumulated interest income or by “advancing” money using the traditional method.

Also, interestingly, you can open this type of deposit using an ATM or through Internet banking.

Now let's move on to revenue calculations. The minimum amount that can be deposited at interest is 3,000 rubles. The interest rate depends solely on the duration of the investment.

Since all the previous times we made a three-month deposit, this time we will not ignore the tradition. So, our 100 thousandth deposit will bring an income of 1937 rubles, since the annual interest rate is 7.75%.

2. “Summer” deposit from BINBANK

The second position is occupied by a little-known bank, but, as is usually the case, it offers very favorable conditions for deposits.

Invest money at interest in 2019 financial and credit organization BINBANK, under the terms of the “Summer” deposit, clients can receive interest at 8.5% per annum, despite the fact that minimum amount The deposit is 50 thousand rubles.

While we are satisfied with the amount of the budget, there are some hiccups in terms of timing. The “Summer” deposit can be issued only for 150 days – no more and no less. That is, this is not our standard 3 months, but 5 months.

I personally agree to such conditions and deposit my virtual 100,000 rubles at interest in BINBANK. At the end I get 3541 rubles (in 3 months it comes out to 2125 rubles).

What I also liked about the “Summer” deposit is that, according to its terms, clients have the opportunity to increase the amount of their deposit during the first 10 calendar days.

1. Deposit “Investment income” in Promsvyazbank

The leader of our rating is an offer from Promsvyazbank. At the beginning of writing this article, I did not want to contribute “ Investment income”, since it can only be opened for 184 days, no more, no less. But the interest rate couldn’t be more attractive – 9% per annum.

Our income from an investment of 100 thousand rubles will be 2250 rubles in 90 days or 4500 in 184 days. You can withdraw the proceeds after the agreement with the bank is terminated.

Conclusion
So, using the method of collecting information and simple calculations, we found out that the most profitable short-term deposit It is best to register at Promsvyazbank.

• • Rules for experienced investors
• • Option No. 1. Bank deposit
  • Option No. 2. Investing in stock market. Mutual funds
  • Option No. 3. Investing in the foreign exchange market
  • Option No. 4. Investing in real estate
  • Option No. 5. Investing in an apartment rental building
  • Option number 6. Investing in a business project
• 5. Conclusion

Have you decided to make a fortune, but don’t know where to invest your money so that it works and is sure to generate income? Are you tormented by doubts or overcome by indecision? Believe me, this is normal. Every millionaire has gone through this.

Perhaps this article will help you find a foothold and get on the path to a new life. The experience of many wealthy people who have achieved success thanks to bold and wise investment decisions has been accumulated here. You will learn about time-tested methods of profitable investment and will be able to “try on” these methods for yourself, learning from other people’s examples, mistakes and achievements. We will analyze in detail in the article where to invest money so that it brings a high percentage of profitability.

Rules and ways of where you can invest money to make it work

1. Investing money to make a profit - rules and recommendations for investors

When setting out on this voyage, you need to choose the right course so as not to run into reefs and shoals. A novice investor also needs to decide at the very beginning of his journey the direction that will provide him with maximum returns and minimum risks.

At the same time, one should not forget the common truth: Those who don't take risks have no chance to earn money. And one more thing golden rule depositor: big risks are proportional to big profits.

However, for the risks to be justified, the first investment must be made not in a bank, not in shares, not in precious metals, but... into yourself. This means that a novice capitalist needs to acquire the necessary knowledge about money and the tools for working with it. Only armed with theory can many risks in investment practice be prevented.

Rules for experienced investors

Rule 1. Creating a financial cushion is an indispensable condition for investing

One of the taboos of an experienced investor is to make investments without having a reliable financial base. IN in this case We are not talking about bank deposits, which are not profitable, but rather a savings instrument.

Such a financial “rear” is created by monthly savings or the sale of expensive property.

Let's say, if you are used to living on the amount 100 thousand rubles per month, then before you start investing you must have a minimum 600 thousand rubles. Only those who have passive income can do without a financial cushion.

- financial flows that do not require daily effort (profit from business, rental of real estate, dividends on shares).

Rule 2. Diversification

For cash investments to work effectively, distribute them across various investment instruments and preferably across different sectors of the economy.

Remember the textbook example of a basket of eggs. If it tips over, all the eggs will break. Therefore, by dividing your money and investing it in different areas (companies), you will not be left hanging if one of these areas (companies) becomes unprofitable. The rest of your investments will “pull out” your funds, preventing your entire capital from “going to the bottom.”

For example, invest 30 % funds to the bank, 30 % in the oil and gas sector, 3 0 % into the production sector, and 10 % - to the food store. In this case, all the instruments in your investment portfolio are shares, rental properties, profitable business, bank deposit – will be resistant to market metamorphoses.

Keep in mind that you can buy real estate thanks to maternity capital - everything about maternity capital 2016-2017 .

Rule 3. Keep all possible risks under control

If you don't lose, you can't make money - all investors have to put up with this condition. But at the same time, experienced financiers try to manage their funds in such a way as to lose as little as possible and earn as much as possible.

Beginners tend to overestimate their strength and become overzealous. They want a lightning-fast blitzkrieg - and often find themselves left behind. Money does not like haste and aggression.

The art of investing – this is, first of all, thoughtfulness, balance and gradual – STEP BY STEP – progress.

You need to act according to the principle: from simple to complex, from conservative to avant-garde. Start with, say, a thousand dollars and invest it in an area in which you are good (We recommend reading -). Swore off adventures with money borrowed at interest, investing it in one actively advertised, but rather vague “business”.

This could all end complete financial fiasco, burdened with an unbearable burden of credit.

We recommend! Take your time: It was not for nothing that Ostap Bender reminded his impatient partner that “cats will be born soon.” Remember how carefully the great strategist himself carefully scrutinized his strategy in order to achieve his cherished goal.

Rule 4. Look for co-investors: this will multiply your opportunities

By joining forces with other investors and creating a “common pot”, called a “pool” in the language of financiers, you will achieve maximum return on investment.

Let's say you come across a promising project or an attractive investment instrument. And you don’t have enough free money at the moment. The most reasonable thing in this case is to involve in this matter those to whom the given investment idea You will also like them, and invest together with them on an equal basis. (We recommend reading -)

Today, a popular topic for investors has become PAMM accounts. We are talking about transferring your assets to trust management professional manager (trader) who is behind the successful financial transactions receives a percentage as remuneration. If the trader’s management turns out to be ineffective, work with him is terminated.

If such a PAMM account is created by several investors and transfer their PAMM into trust management, then risks of losses are distributed among all- in proportion to the invested amounts.

I follow this investment scheme, investors sacrificing a small percentage of their funds (usually - 10-20 % ), significantly increase their income and reduce risks.

Rule 5. Creation passive income no less important than multiplying assets

According to the famous American entrepreneur Robert Kiyosaki, passive income is a key condition for financial freedom. By his definition, assets are not only income generators (rent, investments, business), but also income sinks (houses, cars, liabilities).

Therefore, to get rich, you must not only have assets, but also master the lever that allows you to obtain these assets again and again. Passive income performs this function.

Let's look at this rule for clear example. Let's say you invested 50 thousand rubles and after a year received 75 thousand rubles. So your money generated 30% profit. But you have no guarantee that next time you will earn the same amount. After all, such a “profit” significantly exceeds banking, which means that the risks of this method of earning money are much higher. In the event of force majeure, you risk losing most of your capital or even losing the entire invested amount.

Now imagine that for the same 50 thousand rubles you first created your own passive income. It brings you a stable 1.5 thousand rubles per month, or 18 thousand rubles per year. You can now get a loan of 50 thousand rubles to use it as an investment. In this case, your passive income will be a reliable guarantee loan repayment.

2. How much can you start investing with?

If you want to start investment activity from a bank deposit or purchase of shares, then any amount is suitable. You can start with at least a hundred dollars.

If you have not yet accumulated starting capital, start saving monthly 10-15 % from your income. This is an easy way to create a financial reserve that will grow as your income grows. This way you will develop a very useful habit - to control your expenses without increasing them as you accumulate money.

A striking example Mark Zuckerberg can serve as a prudent financial manager. This millionaire has a Spartan lifestyle. The rich man sleeps on a mattress laid out on the floor. The only furniture I purchased was a table and a chair. The founder of Facebook, Zuckerberg does not have access to the Internet.

And this is not an isolated case of austerity among more than prosperous people. There are enough jokes in the gossip columns about “greedy” millionaires walking around in torn socks, hoarding used tea bags and being content with only carrots for breakfast.

However, what in layman’s language is called “greed” is called “smart saving” by millionaires and billionaires. The most successful of them have mastered the science of living within their means better than anyone else.

Strive to achieve a balance between your income and expenses - and you can become one of them.

3. Where to invest money to make it work: 5 profitable investment options

Today, novice investors have a lot of temptations. The Internet is replete with paid special courses that promise a miraculous transformation into a millionaire in a couple of days; you just need to follow their recommendations on where to invest money and when to expect profits.

However, often such “freaky” recipes are nothing more than a veiled scam, designed for naive people who are greedy for easy money.

You should become familiar with the classic ways of investing. They will allow you to invest your savings in understandable instruments, which will lead you to predictable income and eliminate excessive risks.

Option No. 1. Bank deposit

This method is the most popular, but its income is minimal. But it saves money from inflation, especially when it comes to small deposits. Typically, banks have significantly different deposit conditions. Moreover, each financial institution provides clients with a choice of several types of deposits.

The optimal interest rate on the deposit is not lower than the refinancing rate. In this case, nothing threatens the investor’s money. Today in Russia there are many banks whose interest rates reach 10-12 % . Sberbank is traditionally considered the most reliable financial institution, although it does not have a high interest rate on deposits

Many banks provide clients with the opportunity to open deposits in any currency: rubles, euros or dollars . In some you can even open metal deposits ( silver, platinum, gold). Such an account holder has income when prices rise precious metals. True, it is not guaranteed, since prices for precious metals may decline.

For reliability, it is recommended to open a deposit not in one, but in several reputable banks at once. Unfortunately, no financial institution is immune from bankruptcy. But banks don't all go bankrupt at the same time. The weakest link in banking system are small banks.

In accordance with the legislation of the Russian Federation, if a bank loses its license, insurance payment the deposit is equal to a million rubles, i.e. amount in 1,000,000 rubles you will definitely receive from the state. This guarantees clients of a bankrupt bank compensation for their funds if the deposit amount did not exceed the insurance amount.

Advantages and disadvantages of investing in a bank deposit

Advantages of a bank deposit (+):

• accessibility and simplicity;
• low risks;
• high liquidity (there is always the opportunity to withdraw money);
• The investment threshold is minimal (a thousand rubles is enough).

Flaws (- ):

• low profit level;
• loss of income due to early withdrawal of funds.

Option number 2. Investing in the stock market. Mutual funds

Stock market - this is a place of purchase and sale securities: stocks, futures, bonds, etc.

This is a vast field of activity for those who have free assets and expect large incomes, taking into account the multiple risks hidden in operations on the stock market.

Based on the duration of investing money in securities, investors are divided into long-term, medium-term and short-term (speculators).

The first type (long-term) includes investors who make purchases for several years in anticipation of long term perspective. The cohort of these investors includes the most successful investor in the world, Warren Buffett.

Medium-term traders buy securities for several months or weeks, while short-term traders hold purchases from several weeks to a couple of minutes.

You can manage your investments yourself, or you can contact a reliable brokerage company or entrust the affairs to a trader. In addition, there are mutual investment funds (UIFs) where money is invested.

Let’s take a closer look at this new form of collective investment for Russians.

mutual fund - these are the funds of several investors who have combined their securities into one investment portfolio and transferred them to trust management of the management company.

Mutual funds are open, closed and interval.

With an open fund an investor (depositor) can sell or buy his share at any day, with interval- only at certain times (several times a year), and when closed– exclusively upon completion of the project.

The following can be used as investment instruments in a mutual fund: cash, bonds, stocks, real estate. The most popular are mixed investment funds.

The income of shareholders is determined by the increase in the value of their shares, which can either increase or decrease depending on fluctuations in the market value of securities. Therefore, shareholders bear the risk of losses, because the profitability of the fund is not ensured by either its management company or the state.

Each mutual fund investor receives income exclusively from the reverse sale of their shares. If it grows market value shares or bonds included in the fund, the value of the shares also increases. At the same time, the activities of the management company are controlled by the Federal Securities Commission, thanks to which the funds of shareholders cannot “dissolve in the fog.” In the event of bankruptcy of the management company, the mutual fund does not “evaporate”, but is transferred to the disposal of another company.

To compensate for expenses associated with the issuance and redemption of shares, surcharges to the cost of shares when issuing them and discounts when redeeming them. The premium when purchasing shares practically reduces the number of shares recorded in the shareholder’s register. And the discount reduces the amount of money given to him in case of redemption of shares. This constitutes direct expenses of the shareholder. The maximum amount of the allowance does not exceed yes 1,5 % from calculation net value of the share. The maximum discount amount is not higher 3 % from estimated value share.

At the expense of property mutual fund monetary remuneration is paid to the management company, depository, registrar, appraiser and auditor. Their total is no more than 10% from annual cost mutual fund assets. In addition, investors pay taxes on their income earned in the fund. Residents of the Russian Federation pay tax at a rate of 13%, non-residents – 30%.

Advantages and disadvantages of investing in mutual funds and the stock market

Advantages (+):

• small initial investment (from a thousand rubles);
• wide range of investment instruments;
• a fairly high percentage for each reporting period;
• receiving dividends;
• independent compilation of an investment portfolio, allowing you to correlate risks with projected returns;
• information openness: management company regularly publishes full reports on its activities.

Disadvantages of investing in the stock market and mutual funds (-):

• complexity of the investment procedure;
• high risks (there is no 100% guarantee of profitability);
• the need to acquire special knowledge in case you have to manage investment portfolio on one's own

Option number 3. Investing in the foreign exchange market

The English word “FX-market”, or “Forex” (in Russian Forex), is called global market currency exchange. All types of currencies are converted here. This real Klondike for speculative traders who carry out most of their trading operations during the day. This allows some of them to multiply their capital several times in just a few weeks. We recommend reading what Forex is and how it works. From the article you will find out whether it is possible to earn money and whether it is realistic to do it without investment.

However, on Forex you can either earn a lot quickly and a lot, or lose everything overnight. Huge risks always accompany crazy luck here. Sphere foreign currency deposits favors exclusively professionals with deep knowledge in the field of finance. If you want to learn more about how to trade on Forex market, then read.

Fortune also smiles on Forex for emotionally stable individuals. Therefore, newcomers are the first to lose their money here. They tend to squander quickly and rarely return after the first serious failure. Only those who believe in luck remain and are distinguished by diligence, iron discipline and vigilance.

We recommend! You need to be extremely careful about the numerous offers from Forex brokers. Among these companies there are many that, when concluding a contract with you, do not intend to bring you to real market your trade deals. As a result, all your money will smoothly flow into their accounts, and you will be left in the cold.

To prevent this from happening, before making a responsible investment decision, “test the waters” well: start monitoring customer reviews, visit the office of the brokerage company, get to know the management - in a word, make sure that the assistant you choose really trustworthy.

Advantages and disadvantages of investing in Forex

Advantages of investing money in Forex (+):

• a small amount for entry (from a hundred dollars);
• the opportunity to earn a lot and quickly;
• wide choice currency pairs for trade transactions.

Flaws (- ):

• the need for special knowledge and technical skills;
• extremely high risks

Option number 4. Investing in real estate

As investment instrument can be both commercial and residential real estate, as well as a water body, ship, land plot, airplane and even spacecraft (in accordance with the Civil Code of the Russian Federation).

It is clear that the more expensive the property, the greater the profit it will give, but at the same time it will require greater literacy from the investor.

Advantages and disadvantages of investing in real estate

Advantages (+):

• the opportunity to have passive income by renting out real estate;
• the opportunity to make good money when selling real estate;
• the surest way to save money during inflation;
• possibility of intended use tangible assets (real estate– these are the square kilometers on which you can place own business or use them for living).

Disadvantages of investing in real estate (-):

• a fairly high entry bar (hundreds of thousands or more);
• low level of liquidity (difficult to sell quickly without a noticeable loss of value);
• exposure to damage and even loss (natural disasters, accidents, damage by unscrupulous tenants), which requires allocation additional funds for insurance of tangible assets.

Option number 5. Investing in a multi-apartment rental building

In general, this is a type of investment in real estate, but it is worth highlighting separately due to the many features of this investment scheme. Unlike a regular investment in housing, which you can later resell, investing in an apartment rental building allows you to start making a profit within 2-3 months and achieve a cash flow of 100-300 thousand rubles per month.

The point of this investment scheme is that you buy or rent big house, divide it into apartments and start renting out all the housing separately. The scheme generates much more profit than renting out the entire house to one family. Of course, this type of investing requires preparation and careful planning. We encourage you to use our free business plan on how to create apartment building and start making money on it.

But you and only you will determine the directions cash flows, which will ensure maximum return from them. It is not for nothing that many financiers believe that investing in your own business is the main condition for its rapid rise and prosperity.

Investing in your business is a profitable and correct investment

Advantages and disadvantages of investing in your business

Advantages (+):

• the ability to effectively build business processes and regulate them through the ownership of monetary levers;
• the ability to easily and quickly find co-investors and thus attract substantial capital to the business;
• advantages in obtaining a loan compared to other investment ones.

Disadvantages of investing money in your business (-):

• big risks in conditions market competition requiring business insurance;
• low liquidity: many assets, such as equipment, are difficult to sell without significant loss of time and money;
• the possibility of losing a stake in the business when co-investors are attracted to it.

4. Where not to invest money

You should not tempt fate by entrusting your savings to the authors of dubious projects (casinos, slot machines, all kinds of pyramids) and other adventurers from the high road. Getting involved with them is like robbing yourself.

Particular caution should be exercised towards businessmen who are in conflict with the Criminal Code: drug dealers, sellers of weapons and other contraband, organizers of brothels, owners of front companies.

It is also better not to have anything to do with schemers operating in the real estate industry. Otherwise, you will be involved in their corruption schemes or become accomplices in such morally unacceptable acts as, for example, the eviction of lonely elderly people.

It is unlikely that a normal person needs money at such a price. Moreover, there are many other - honest, socially acceptable, not contrary to human morality - ways to make money. Do them, you will not only gain financial well-being and independence, but also a reputation as a worthy person.

5. Conclusion

The expression “movement is life” suits not only a living organism, but also money. If they don't move, don't work - they weaken, become smaller and disappear. Losing their activity, they become dead capital, victims of inflation.

In this review, we talked about the main and popular ways to invest your money, and also reviewed the rules and recommendations of successful investors who have gained financial independence

In this article, you learned about the most popular methods of investing free money that allow you to increase your capital; reviewed the basic principles of investment; got acquainted with examples from the lives of the most successful millionaires on the planet.

Now that you have become a financially literate person, it is not such a difficult matter. You need to follow the basic rules and recommendations of successful people who have achieved high results in the financial sector.

The rest is up to you - we wish you successful investments!

Smart investing is the key to a highly secure future. By placing free money in promising investment projects, you have the opportunity to significantly increase your wealth. What instruments are potentially profitable and what kind of profitability they can bring to a novice investor, we will analyze in detail in today’s article.

Sources of investment

The question of where to get free funds is asked by those people who are already thinking about their future. As you know, there is no such thing as too much money. Therefore, if you do not purposefully take measures to accumulate capital, then there will be nothing to invest. So where can you get free money to invest?

Let's consider 3 reliable options:

1. Save 10-20% of your salary . This option always works. It is important to determine how much money can be withdrawn without consequences. If you find it difficult to save money and the temptation to spend it is great, you can start. True, there are not many options and they are not so profitable compared to investments of 100,000 or more. But you may want to consider investing little money as a temporary milestone that will lead you to a big goal.
2. Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can give initial capital for a good cause for free.
3. Additional income . As sources of additional earnings, you can consider overtime work at your main place of work or short-term options with low pay. Of course, you will have to work more. But it's worth making the effort to earn passive income in the future.

TOP 17 ways to invest free money

So you have some capital and you want to make it work. Below is a list of 17 working ways where you can invest your free money. All you have to do is adapt them to suit yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

It makes sense to invest free money in a bank when you need to save up an emergency reserve just in case. In addition to time deposits, interest on contributions is quite cheap. Therefore, count on good dividends even with large sum not worth it. Anyone who decides to place savings in a bank account amounting to more than 1,400,000 rubles needs to divide it and put in different banks . To in case of default the state reimbursed the investment in full.

2. Securities

Shares are one of the most attractive, but also the riskiest options. As practice shows, it is better to entrust the management of securities to experienced professionals, although they cannot guarantee income. The peculiarity of this method is that there is no upper ceiling for profit or loss. In each case everything is individual. Of course, you can predict the main trend based on past experience, but this does not always work.

Read our review about how to avoid mistakes that 90% of novice investors make, and.

3. Real estate

It’s a fairly popular method of spending free money. After all, investing means getting the opportunity to quickly earn income and cover mortgage payments with it. However, it must be taken into account that if for some reason the apartment is not rented out, money must be paid from your own pocket. In the case where housing is purchased for equity, you will receive stable profits with minimal risks. It is most profitable to rent out an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to make money on shares of popular companies, banks and corporations. The way options work is structured like this: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the rewards can reach 70%.

Making money on options depends on whether or not you guess whether the price of a stock will rise or fall at a certain time. You can buy them at different times, ranging from 1 minute to months.

Option investing is done through a broker and requires knowledge of the basics fundamental and technical analysis.

5. Microfinance organizations

7. Business

One of the most controversial investment options. On the one hand, with making the right choice niche, it can bring the greatest profit to its owner. On the other hand, you cannot hope for long-term income without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face strict restrictions from the franchisor.

Read separate publication, and you will find out what other pitfalls await you in.

8. Precious metals

13. Own website

Creating a website is one of the most popular ways to invest savings and for this there are a number of reasons:

• small initial investment;
• efficiency of creation;
• you can start earning money right away;
• passive income in the future.

With all the advantages, it is worth considering that competition in this area is huge.

And before starting a project, you need to understand all possible ways monetization and promotion. Ideally, the investor should deal with these issues independently, then the income will be maximum.

14. Social networks

The topic of making money on public pages social networks does not lose its relevance. There are active discussions on the Internet about whether it is still possible to make money from your group or whether the train has already left. It is difficult to answer this question unambiguously. In any case, those who started a couple of years ago have clear advantage. In general, everything depends on the investor’s organizational skills and experience in promoting projects.

In any case, doing social networks yourself, you won’t need a lot of money. If the circumstances are successful, you will receive a good income from selling advertising; if the experience is unsuccessful, nothing will prevent you from selling the unprofitable group.

15. Education

On initial stage career, it is very important to invest in gaining knowledge. New skills provide an opportunity to establish yourself as a competent specialist and earn money more money for a comfortable life in the future.

16. Structured products

A stable way to invest your savings, which gained popularity at the height of the crisis and is still in use today. The idea is to divide your capital and invest the bulk of your investment (80%) in bonds and the remainder (20%) in futures and options. This combination allows the investor, if successful, to receive up to 40% profitability, and if unsuccessful, to remain with his funds.

Pay attention to the comparison table below (click on the image to enlarge it):

From this we can conclude that structural products have the most high profitability with a relatively small investment.

Profits may be higher if we are talking about, but it is important to carefully monitor news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to the trader for temporary disposal with the aim of increasing it as a result trading activities on Forex. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. If you lose, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.

Conclusion

As you can see, there are many worthy options where you can invest your free money. The threshold for entry into the listed alternatives is affordable, so you can try all the tools and determine the one that suits you with virtually no monetary losses. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.

Related Posts

With the advent commodity-money relations existence without a more or less stable income, expressed in specie or paper bills, looks problematic.

Some are satisfied with hired labor from dawn to dusk, others become a self-employed population, depending on their own foresight, luck and efficiency - all for the sake of their daily bread.

Easy money – who hasn’t thought about it at least once in their life. Whatever one may say, high earnings are often obtained either through hard physical labor or intellectual labor, which requires dedication associated with mental, emotional and nervous stress on the body.

After searching for numerous ways to earn money, a reasonable question arises: what is the way to get money? If, as it seems, the right goal has been chosen, then where can you get money for a business without collateral?

Let's agree on the shore that not a single super expert who understands macro- and microeconomics will give a definite answer on earnings that promise quick profits without fear of losing all the invested funds.

The most we can talk about is a relatively reliable investment in a liquid business with mandatory accounting supply and demand in a specific area.

So, where to find how to make money?

Some people have an inner instinct and know how to find good ideas, if you are not one of them, then the Internet is at your service.

The latest trend is startups.

The correct interpretation of this concept is that they are considered innovative, progressive throughout the business space in relation to those already implemented.

Of course, the idea should be fresh, interesting, but, most importantly, in demand by the consumer.

Such innovative ideas can be worth thousands when written on paper American dollars, and the return from them promises millions.

Where to invest money? Billionaire's answer

Essentially what needs to be done:

• find a think tank - the initiator of ideas;
• find a person who knows how to materialize an idea step by step;
• provide capital for the development of an idea up to its introduction into mass production (a startup in the expansion stage);
• sell everything you got for good money through shares or to strategic investors.

The only thing left to do is choose. It is believed that the craziest ideas ultimately turn out to be the most profitable. The place to look for startups can be special projects, for example, “Networking”.

The Russian Startup Tour is working productively in Russia. More than 1000 projects find their investors in venture funds and large corporations, and some of the projects come under the care of Skolkovo.

Where to invest money - Investor's opinion

Russia and Ukraine - this is the first step towards the beginning successful business with an easy and simple start.

When making a decision to purchase a franchise, you need to consult the professional recommendations in this section:

About the most latest news and trends in business with a franchise can be read

How to invest money in business correctly

Let's get back to what it is. If you use common sense and do not remove logic from your accounts, then the invested money is simply obliged to bring income to the investor.

This is the main goal of investing - obtaining a large one-time profit or regular receipts of a certain amount of money. Indeed, no one will dare to invest money, being confident that the project will fail and be unprofitable.

The most successful and informative case, according to the editors of the Russtarup portal:

An interesting experience of creating a business under a franchising program is presented

I want to invest money in a business with profit

Each of the proposed categories has positive or negative potential. Not every production necessarily brings profit, and an insignificant service can become a fertile source.

Given the trends, investments in processing will be successful. IT technologies and Internet projects with proper advertising are more likely to bring a stable income, but the threat of disconnecting Russian IP from the global network looms.

Among the services that remain in demand are equipment maintenance (literally from personal vehicles to printers).

Investments in are associated with high risks; here you will have to monitor all movements: what is more reliable - investing in individual housing construction or in apartments for rent, etc.

In the absence of funds for promotion, it is logical to take money as collateral for the business - for equipment, goods, technologies, property.

Example of investing in (real data). Information is collected on the state of the retail retail network in provincial cities that are not regional, regional and regional centers.

Cities with a population of 70-100 thousand people are quite suitable. The retail network, rather, looks like scattered private shops, pavilions, 2-3 shopping centers.

The emphasis is on products that quickly pay for themselves - butter, cheese, milk, cereals, pasta, semi-finished meat products, canned food, candy (0.5-1 kg packaging). All products are offered in convenient packaging; there are no plans to spend extra on retail equipment.

The buyer has free access to goods and direct service at the checkout when leaving the store. Additionally, seasonal goods and goods of regular demand are exhibited.

1-2 types of universal powder, soap, toothpaste, shampoo, etc. are enough. Quick payback is ensured due to the volumes of everyday products sold. Such a store becomes a purchasing center for retail stores in the city and nearby settlements.

The first thing that comes to mind for most people who think about how to increase money is to put it in a bank at interest.

However, in reality, although this is a safe investment of funds, if, of course, you have chosen a reliable bank for your deposit, it is not very profitable. After all bank interest very small. In many cases, bank interest rates are lower than the actual inflation rate. But, despite this, professionals in investing personal funds recommend putting interest in reliable bank about a fifth of personal savings.

Some experts advise opening a bank account in the currency in which you pay. Another popular option was the division of deposits into currencies: part in rubles, the rest in dollars and euros. This way you can protect yourself from a fall in the exchange rate of a particular currency and make money on its growth.

In a number of banks you can open deposits in precious metals such as gold, silver, platinum. The owner of such an account will benefit greatly when precious metals prices rise, but a very high income is not guaranteed, since the value of precious metals can either rise or fall.

Investments in apartments and other non-commercial real estate

Ask passers-by on the street, where is the best place to invest money so as not to lose it? Most respondents will answer that it is best to invest money in houses and apartments.

There have been many arguments about the benefits of investing money in real estate, but this is the option today chosen by quite a few residents of our country, who invest money primarily so as not to lose it, and not with the expectation of high profits.

The objects of investment in this case are apartments, rooms, garages. There are several ways to make money by investing in real estate.

You can invest money in an apartment at the initial stage of building a house, when the price is not too high, and then sell the house when the house is built and the cost square meters will increase. But, when planning to invest money in building a house, it is important not to fall into the housing pyramid. Have you heard about defrauded shareholders? You can articles to them!

Another way to invest money in real estate quite profitably is to buy an apartment in an already built building and rent it out. Income will be the difference between rent and the amount of taxes and utility bills. In addition, the apartment will increase in price from year to year, which will also generate income. True, it will be possible to get it only with the sale of the apartment.

Where is it profitable to invest money: buying shares

But it’s almost impossible to predict 100 percent accurately whose shares will rise in price and for how long. Until recently, it seemed that oil and gas prices would constantly rise, but their prices are also subject to sharp fluctuations. Many economists recommend investing money profitably in shares of food industry enterprises, since food products will always be in demand. The next few years will have a very good prospects for development and IT sector.

Reliable and profitable investments - buying bonds

It has been noted that young people prefer stocks, which is risky. But the older a person is, the more often he invests money so as not to lose it - he buys bonds, which is safer than buying shares.

Investing money in bonds is not very risky, and the return may well be higher than bank deposits. But you can also lose money on bonds. To get the most benefit from purchasing bonds, experts advise consulting with investment companies, which issuers are currently the most reliable.

There are downsides to investing in bonds and stocks. Securities prices may fluctuate. And it may happen that when you urgently need money, its exchange rate will be minimal. Then you will have to sell shares and bonds at a price lower than the purchase price. So for the most profitable investment of money in stocks and bonds, you should not count on their quick sale. It is believed that on average the yield on bonds is 9–20% per annum, on shares – 35–40% per annum.

A profitable way to invest money is investment funds

Choosing the most reliable investment fund To invest money, experts recommend investing in foreign funds with a long history. Maybe the profitability in this case will not be maximum, but the capital will increase, and the money will be protected. If you want to get rich quickly, then look for a Russian investment fund that offers maximum benefit. But in this case, be prepared to lose money at any time.

It has been proven for years that there are no reliable funds in nature that invest in risky securities in order to quickly earn big money. Therefore, when choosing an investment fund to invest money in, pay attention to what its strategy is.

Thus, we looked at five profitable ways where it is profitable to invest money to make it work. Of course, there are others that are riskier, such as forex trading, binary options, derivatives, finally, private loans for small development