The Russian market as a whole remains an interesting and undervalued platform for most investors from around the world. This is eloquently indicated by figures indicating an investment underestimation of the entire market as a whole.

The Russian market is the most attractive market in terms of investment appraisal by the P / E indicator (for more details about the indicator, see the article “”), by the level of dividend yield and by NetDebt / EBITDA debt ratio.

Therefore, for successful investments in 2018, you can choose the following investment tactics: choosing the best of the best. First, we select the most attractive markets, in them we select the most promising sectors, and in the most promising sectors we find the most interesting papers.

So, we have already decided on one of the markets - this is the Russian market and today we will talk about it. Now let's look at individual sectors in the Russian market.

Mining Investments

The main idea of \u200b\u200bthis sector is rather low prices for the extracted metals and minerals. It should be borne in mind that price dynamics are cyclical and now we see a turning point in the downward trend for most metals and minerals mined.

Investment in

Alrosa is practically the only company in the world through which investors have the opportunity to invest in diamonds. This narrow direction is very attractive now in view of the cyclical minimums of diamond prices.

Below is a graph of the IDEX DIAMOND INDEX diamond market price index, from which we see that the market is close to its five-year lows.

Active growth of the index began in fact only in November 2017.

The trend for Alrosa’s extracted raw materials is unfolding, and this must necessarily be reflected in the reporting for the 4th quarter of 2017, as well as positively influence throughout 2018.

There are other factors that may contribute to the growth of the company. The company's investment grade in terms of P / E is currently low and suggests a potential upside to the company's valuation, at least to average market levels. The current P / E of the company is 6.71.

In 2017, an accident and flooding of the mine occurred at the Mir mine, as a result of which the company lost about 10% of production. However, available inventories offset the effects of the accident. In the future, the company's production will be restored and production indicators will improve, which will also lead to growth financial indicators by company.

The company has a high expected dividend yield of 8%.

The target price for the company's shares is 115 rubles.

Investment in

Gold prices over the past 5 years are also at relatively low values. And in the event of a destabilization of the global financial system, gold often acts as a means of protecting investor capital and during the most acute phases of crises it is growing.

For this reason, gold mining companies should be a necessary element of a balanced investment portfolio.

The main driver of growth for the company is the growth of production indicators. The company plans to increase production by 40% compared to 2016 by 2020. This will no doubt dramatically improve the financial performance of the company. The company has already taken steps to this; in 2017, the development and development of the Sukhoi Log deposit, one of the largest gold deposits in the world, began.

The current production results of the company also confirm the expected growth trend of production indicators.

In 2017, the growth in gold production amounted to 9.77%, and also exceeded the company's own forecasts by 3%.

The target price for Polyus shares is 6300 rubles.

Investments in the metallurgy sector

To demonstrate the price dynamics of the sector, let us pay attention to the composite metal price index Commodity Metals Price Index.

It can be stated with confidence that metal prices have passed their cyclical lows and are in upward price dynamics. In general, this is positive for the sector and the profits of companies.

Investment in

Despite the fact that aluminum prices are currently at high levels, aluminum consumption continues to grow. Forecasts for 2018 suggest an increase in aluminum consumption by 4%, and for the balance of supply and demand - this is a significant increase.

Last year for the company is very successful. The company has very high dynamics of financial results, revenue growth amounted to 21.3%; net profit growth was 41.6%.

While maintaining the current situation on the aluminum market, the company has the opportunity to repeat such a high dynamics of financial results.

From the point of view of investment valuation using the discounted cash flow model, Rusal is underestimated and has significant growth potential.

The company works with a high level of leverage and uses a lot of borrowed funds, in the current situation, against the background of a decrease in the key interest rate of the Central Bank and, accordingly, becoming cheaper loans, the company is in a advantageous position, since a decrease in the discount rate of the Central Bank means a decrease in payments on the company's loan portfolio , this can significantly increase net profit. In the current situation, this is a growth factor.

In the future, RUSAL is also one of the candidates for inclusion in the MSCI index in 2018.

The target price for Rusal shares is 60.9 rubles.

Investment in

Steel coil prices rose from their lowest levels and reversed their downward trend. Commodity markets are cyclical, so it is fair to expect further growth in steel prices.

In addition to comfortable prices for the company's products, Severstal is an extremely highly efficient company in terms of its operational and financial indicators. In the Russian segment of ferrous metallurgy, Severstal is considered the most high-tech company that produces the most high-tech and high-quality steel grades. In terms of financial performance, the company also shows excellent results. The company works in compliance with the “effective business formula” and has a high return on equity of 42.1%.

Severstal is a company that pays high dividends. In 2017, the company's dividend yield was 11.8%, which is a very high level of dividend yield for a stable liquid company.

From the point of view of investment valuation using the discounted cash flow model, the company is underestimated and has significant growth potential.

The target price for Severstal shares is 1,469 rubles.

Investments in the oil and gas sector

Oil prices rose significantly from their minimum values \u200b\u200bshown at the beginning of 2016 and reached $ 70 per barrel.

These levels are very comfortable for oil companies and provide high financial results. The main scenario for the further behavior of oil quotes is that prices will continue to remain in the range of $ 70 - $ 60, which will ensure high financial results for oil companies.

Investment in

According to the results of work for 9 months. In 2017, the company has very good operating and financial performance. The company's production is growing, the company is engaged in active exploration, which allows us to discover new fields and increase production. The dynamics of the financial results of the company is also very good. Revenue is growing by 10.1%, profit is growing by 28.5%. These are excellent financial results.

According to the assessment based on the discounted cash flow model, the company currently has an investment underestimation, which implies a solid upside potential for the company's stock quotes.

One of the key drivers of the company's stock growth will also be their high dividend yield. In 2017, the dividend yield on ordinary shares of the company amounted to 6.18%, and for preferred shares amounted to 9.61%. This is one of the highest dividend yields among oil and gas companies. As the company's profit is growing rapidly, it is fair to expect high dividend yield on securities in 2018 as well.

The target price for ordinary shares of Bashneft is 3415 rubles.

Investment in

The company has a very stable and high dynamics of financial indicators. At the same time, it is important that the financial performance of the company grow both due to the growth of oil quotes, and due to an increase in production volumes in physical terms.

It is also worth considering that a very high share in the company's revenue is occupied by refined petroleum products, which further reduces the sensitivity of the company's revenue to oil prices.

At the same time, from the point of view of the P / E indicator, Gazpromneft is one of the most undervalued companies. The current value of the P / E indicator for the company is 4.65. According to the discounted cash flow model, the company is also significantly underestimated. All this together gives a significant growth potential to the securities of the company.

The target price for Gazpromneft shares is 403.4 rubles.

Investment in

Novatek is a classic investment growth idea. P / E of the company is at a fairly high level, but in this case This reflects the expectations of investors regarding the stable and long-term development of the company.

The main driver of growth is the company's revenue growth associated with the commissioning of the capacities of new joint ventures; these are Yamal LNG and Arcticgas LNG. The output of production on Yamal LNG by 14.5 million tons, as well as the systematic increase in gas production from 68 billion cubic meters to 112 by 2020 and the increase in production of liquid hydrocarbons from 9.1 million tons to 13.3 million . t. All this should significantly increase the company's revenue and profits on the horizon of 3-5 years.

According to the results of work for 9 months. In 2017, the company shows good financial results, which allows us to expect good results throughout the year and maintain positive dynamics.

Despite the rather high P / E, according to the discounted cash flow method, the company has growth potential and currently has an underestimation of investments.

The target price for Novatek shares is 885 rubles.

Investments in the financial sector

The year 2017 was extremely difficult for the financial sector as a whole. Key moment It was the culmination of a crisis in the banking system, when problems with capital shortages began to be experienced first by banks at the TOP-30 level, and at the end of the year by the TOP-10. In 2018, the Central Bank will continue reorganization of the sector, but the completion of negative trends is already seen quite close. In this case, the effect of low base will have the most significant effect. banking sector, because in view of the crisis and because of the large potential risks, the sector as a whole has a significant underestimation.

In such situations, you just need to choose those investment ideas that have significant investment underestimation and demonstrate stable financial results.

Investment in

According to the results of work for 9 months. In 2017, the bank showed good results and high dynamics of net profit growth.

The bank's interest income for the period decreased, but this is quite natural against the background of a significant reduction in the key rate. The bank’s profit grew due to a decrease in the volume of reserves, which allows the bank to painlessly show a low level of overdue debt. The level of overdue debt is below the average level for the TOP-100 banks.

The current value of the P / E indicator for the bank is 3.54, and the value of the P / E indicator is 0.43. All this indicates an extremely low investment grade of the bank.

The target price for the shares of Bank Saint Petersburg is 108.8 rubles.

Investment in

The company shows good financial results for 9 months. 2017 year. The company's revenue and operating profit are growing, net profit is declining slightly. Currently, the company is an undervalued asset, both in terms of the P / E indicator and the total cost of the company's public subsidiaries.

The company strictly adheres to its dividend policy and pays dividends even in the most difficult conditions for itself.

A significant factor in the growth of investment interest in this paper is the signing of a settlement agreement between Rosneft and AFK Sistema. This allows us to hope that the sharpest point in the situation around the company has already been passed.

However, it should be understood that this is a high-risk investment idea, since in reality there are no guarantees that in the future no more claims will be made against the company.

The target price for AFK Sistema shares is 21.32 rubles.

Energy Investments

Electricity is a basic sector for almost all sectors of the economy. There can be no economic growth, as well as the growth of individual sectors and companies without an increase in electricity consumption. In this case, the positive expectations of economic growth in 2018 certainly make the electricity sector attractive. According to forecasts of the Ministry of Economic Development, GDP growth in 2018 in Russia should be about 3%.

It is also worth noting that the energy sector remains one of the most undervalued sectors in the Russian stock market.

Investment in

Rosseti is one of the most undervalued companies in the Russian stock market and the energy sector as well.

The company's revenue and profits are growing rapidly.

Not only the company's financial indicators are growing, but also its operating ones.

The company has just an extreme underestimation of all investment indicators. The current value of the indicator P / E is 1.54.

According to the cash flow discount model, the company is also significantly underestimated and offers significant growth potential. A long-term investment idea for a company's stock is a reduction in the global investment discount and a fair assessment of the value of the company.

The target price for Rosseti shares is 2.74 rubles.

Investments in the agricultural sector

All commodity markets are cyclical, and agricultural markets are cyclical in particular. Therefore, when we observe cyclical long-term price lows on the market, these are very attractive investment opportunities.

The agricultural price index is at its ten-year cyclical lows.

Investment in

The past year has been very difficult for the company. Prices for manufactured products have declined significantly. The largest and most marginal segment of RusAgro's business is sugar production. Sugar prices have fallen very significantly and are at their historically lowest levels.

Companies that manage to work with profit even with poor market conditions, which at this moment do not leave the market, will continue to be the main beneficiaries of rising prices for manufactured products.

RusAgro is also actively increasing its acreage, especially in the Far East. In the long run, this is an extremely positive moment.

The target price for RusAgro shares is 1,032 rubles.

This sector directly depends on agricultural markets, if there is a high yield and a lot of product stocks, then prices for both agricultural products and fertilizers naturally decrease.

Phosphate fertilizer prices are at record lows over the past 10 years.

Investment in

The company is experiencing a phase of the most negative market conditions and at the same time is operating profitably.

For 9 months 2017 year. The company's revenue decreased and net profit also, but in real terms, the company's sales increased relative to 9 months. 2016 year.

All this tells us that the company has good potential for further business growth and further growth of financial indicators. Commodity markets are cyclical, therefore the period low prices on the company's products is a good chance to buy shares of the company before a significant wave of growth in financial performance.

The target price for PhosAgro shares is 3200 rubles.

Investments in the construction sector

The construction sector is the most sensitive sector to negative macroeconomic manifestations. Therefore, when the economy grows, it is the construction sector that is one of the first to gain an advantage. The sector is also interesting against the background of a decrease in the discount rate by the Central Bank of the Russian Federation. Many companies in the sector are very loaned, and lowering the rate reduces the cost of servicing their debt and allows for more profit. From this point of view, positive expectations of the growth of the Russian economy in 2018 and the continuation of the trend towards a decrease in the discount rate should become a catalyst for the growth of the construction sector company.

Investment in

The main growth driver for the company in 2018 is the growth of volumes construction work and a decrease in the cost of servicing debt in connection with a reduction in the discount rate of the Central Bank. The growth in construction volumes is planned in several directions at once.

Volume growth road construction company. Upon the completion of construction and reconstruction of highways of federal significance, it is planned to commission sections of a total length of 326.2 km (303.6 km were commissioned in 2016). At the same time, the construction of a transport passage through the Kerch Strait and approaches to it from the Krasnodar Territory, the construction and reconstruction of sections of federal highways in the Far East, the North Caucasus, Moscow and St. Petersburg transport hubs remain important directions.

The growth of railway construction. The construction of the Moscow-Kazan high-speed railway, the implementation of transport infrastructure development projects in preparation for the 2018 FIFA World Cup, the completion of subway lines in the cities of Nizhny Novgorod and St. Petersburg, the passage through the Kerch Strait and the development of transport infrastructure in the Republic of Crimea. All this will increase the commissioning of additional main tracks and new railway lines.

Reconstruction of air hubs. The main priorities are: completion of the reconstruction of airports in cities included in the program of preparation for the 2018 World Cup in the Russian Federation, including the reconstruction of the aerodrome infrastructure of Moscow airports (Sheremetyevo, Domodedovo), Kaliningrad, Volgograd, Saransk, Nizhny Novgorod, Samara and Yekaterinburg.

Dynamics of financial results for 6 months. 2017 fully confirms the positive trend in the growth of the company's revenue and profits.

According to the cash flow discount model, the company is also significantly underestimated and offers significant growth potential.

The company pays high dividends. In 2016, the dividend yield on the company's shares amounted to 9.25%, and in 2017, the company paid dividends on the results of work for 9 months, the dividend yield amounted to 5.16%. As the financial results are growing and the company's profit is growing, it is fair to expect growth in dividend payments in 2018.

Mostotrest's target price is 248.8.

Conclusions: remember about diversification, strategy and defensive assets

It should be understood that the vast majority of investment ideas are long-term ideas that, due to a number of factors, can be worked out over the coming year. But the preferred investment terms at the moment are on the time horizon of 3 to 5 years. In order to create an effective investment portfolio that can bring stable returns, an integrated approach is needed that takes into account the investment strategy, investor goals, reactions to the external environment and other factors.

It is worth remembering that investment ideas often do not play the most important role in achieving investment success, since the key to successful investments is in the field of risk management and directly in building a balanced investment strategy. Even knowing a true and excellent investment idea, it can simply be applied incorrectly in your investment portfolio and not wait for its implementation. We teach competent and balanced investment in our courses at the School of Reasonable Investment and help to consciously introduce professional methods and tools using concrete investment ideas as part of our Annual Support. You can get acquainted with our methods by signing up for free.

Limitation of liability.

This post is not a guide to action, but represents the opinion of the author. Before you make trade deals, always do your own analysis.

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Profitable investment for you!

Everyone wants to invest money so that they work. But not everyone knows at least roughly where to invest capital. After all, the relevance of certain options can vary significantly. So, today Internet technologies and virtual systems are coming to the forefront, while trading on the currency exchange, although it remains popular, still loses investors. In the article we will analyze important rules successful investment, consider the most relevant options for 2018.

Investment Rules - Trying to Avoid Failure

Any experienced investor knows that you can’t rush into the pool and invest all your money in your favorite idea. Investing means a serious analysis. In order not to fail, you need to adhere to several important rules:

1. Invest only what you have yourself. Many people, seeking to invest profitably in order to receive monthly income, get into debt. They turn to banks for loans. This is a very risky occupation, since you can not only lose yours, but also get into debt hole, which will take a very long time to pay.
2. Find another source of regular income. This is especially true for those who are just starting to invest. Do not think that immediately the chosen investment format will be profitable. It is necessary to take care of the availability of other income, part of which can also be invested later.
3. Make a clear investment plan. Moreover, it should include several varieties of investments at once, because experienced investors never "put their eggs in one basket." It should be understood that the situation in the financial sector is very changeable. And as a result of these changes, it will be necessary to adjust your plan along the way, add new investment formats, and withdraw money from unprofitable projects.
4. Invest money received from investing. If the investor wants to develop and increase his income, then this is a prerequisite for him. If you spend everything you earn, then you will not succeed in reaching a new level. Additional income you should always consider it as an option to increase your assets and the opportunity to diversify your portfolio.
5. Constantly monitor cash flows. You must always be aware of the profit that a particular investment format has brought. This knowledge will help not only to assess the size of profit, but also to respond to changes in time (to withdraw money from enterprises that cause loss, and invest in projects that have stable growth).

It is equally important to make sure that the project is honest before starting the investment. This is especially true for network investments. Many fraudsters use the trust of citizens, attract them to invest, and then deprive not only the income, but also the investments themselves. Be sure to study the information about the company, its financial results and business reputation.

Investing is a rather complicated process that requires not only investments, but also certain knowledge, time and effort. An active investor should always remain involved. He must regularly evaluate the portfolio, draw conclusions regarding the appropriateness of a particular type of investment.

So, having studied the rules, a person needs to decide where he should invest his capital. Next, we will consider the most promising investment options in 2018.

If a person has little experience and does not know where to invest at interest, then he should consider the most simple option - opening a bank deposit. An important advantage of such an investment is its high reliability.

A person enters into a formal agreement with the bank and gives his savings at a certain percentage. Wherein financial institution It guarantees not only the safety of money, but also its growth in accordance with the established interest rate.

The disadvantage of this investment option is the low income. So, in 2017, deposit rates decreased significantly due to a drop in interest on mortgage and consumer loans. The average profit here varies from 3 to 7 - 8% per year. And if you open a deposit in foreign currency, then the yield will be even lower.

An important aspect is finding a suitable bank. It is better if it is a large and reliable institution that has a positive business reputation. When evaluating a bank, several parameters must be taken into account:

• reliability rating;
• portfolio composition, size of assets and debts;
• a deposit insurance program (so that in the event of bankruptcy of an institution, your money in the amount of up to 1.4 million rubles could be returned through the Central Bank);
• conditions for deposits (terms, minimum amounts, interest rates, various bonuses for investors, the possibility of withdrawal / replenishment, currency).

It is safest to open deposits with Sberbank, VTB24, Alfa Bank, Gazprombank and Russian Agricultural Bank.

Less reliable institutions often overstate, thereby attracting inexperienced investors. But surely such investments have more risks.

Probably everyone understands the value of silver, gold, platinum, palladium. Therefore, investments in precious metals, even for a simple citizen, are very close and understandable. It is not surprising that many invest their assets in them. But you need to remember a few nuances on which the success of the enterprise will depend:

• you can get a tangible income only in the long run; it’s almost impossible to earn a large sum for a month or six months;
• it is important to be able to assess the situation and acquire precious metals after a decline in price;
• assessment of prospects is the main thing that an investor should do.

This investment format has many advantages, because of which many passive investors choose it:

• the opportunity not to lose your money due to inflation or economic instability in the country;
• high liquidity of the asset (in which case gold can be easily and quickly exchanged for money);
• stability in the growth of prices for precious metals (which most national currencies cannot boast of).

The downside is the presence of certain risks and the need for operations through banks. There are two ways to invest in gold or other precious metals:

1. Buying Ingots. In this case, you will have to store them in the bank and pay a commission for servicing the account. Keeping ingots at home is dangerous, as they can be stolen or they may lose their appearance (the appearance of scratches, chips, cracks). The disadvantage is that when selling gold, the investor will have to pay VAT in favor of the state, which will reduce the real amount of his income.
2. Opening depersonalized metal accounts (OMS). For Russia, this is a relatively new type of investment in precious metals. The bottom line is that a person invests his money in gold, for example, but he does not have personal bullions. All gold of depositors is stored together, and the bank gains the right to use it for the duration of the deposit. The plus is the ability to make good money and the absence of the need to pay VAT at the time of closing the account. But the risk level is greater.

Real estate transactions almost always bring good profits. The main disadvantage of such earnings is that you have to start investing in it with large amounts. A minimum of 500,000 rubles will be required.

But in terms of income, this investment format is considered one of the most profitable and safe at the same time. It's no secret that the price of housing is gradually increasing. Even the latest financial crisis affected property values \u200b\u200bnot so much. Moreover, this investment format allows you to count on several income formats at once:

• growth in the cost of housing (real estate prices are stable, and the depreciation of money immediately increases the value of the property);
• monthly rental income.

The latter option is able to bring not only regular, but also passive income. The main thing is to equip the facility and find tenants.

Better to invest in housing. FROM commercial real estate transactions are better for experienced investors with significant start-up capital (at least several million rubles).

Investment in mutual funds

Not every potential investor has enough knowledge to independently engage in trading on the exchange. Most people have no idea how to predict the growth / decline of stock prices, currency, precious metals. But many of them want to make money on it. And they have such an opportunity. To generate income, it is enough to invest your own funds in a mutual investment fund (UIF).

Mutual funds are created just to accumulate a large amount of funds for their further investment in stocks, bonds, precious metals or currency. Such funds are managed by special managers with the necessary skills, knowledge and experience for successful work. Both parties benefit from this interaction:

• investors receive income by acting as passive investors;
• managers earn a commission (fixed or as a percentage of the profit).

The advantages of such an investment include the opportunity to earn good money, the absence of the need to delve into the process itself and the low entry threshold (usually, a single unit costs no more than several thousand rubles). The downside is the risk of losing one's own investments or not receiving income.

The most important thing is to choose a reliable management company. You can turn to subsidiaries well-known banks or independently evaluate one or another mutual fund, having studied the results of its activities.

You need to understand that there are different funds. Somewhere you can increase your capital by 2 times in a few years, but then the risks will be high. There are also mutual funds where the average return for the year is 15–20%, but investors are also much less likely to lose their money.

This option is essentially similar to investing in mutual funds, only in this case a person independently manages his assets. It is better for experienced investors who have the necessary skills and experience to do this. Making money on this can be really good, but the level of risk is quite high.

Success will depend on the correctness of the decisions made. It is also important to create a diversified investment portfolio in order to minimize potential risks. Experienced investors usually include the following types of securities:

1. Stocks. This is perhaps the most popular format of securities among Russians. Shares allow you to receive two types of income at once - dividends (percent of the company's profits) and price growth itself security (the more successful the organization becomes, the greater the value of a share unit becomes). The amount of profit here is not limited and depends on the correctness of the investment. With an unsuccessful purchase, you can completely lose all your savings.
2. BondsThey are distinguished by high reliability and stability of income, although it is not very large. These securities are usually purchased to diversify their portfolio.
3. Eurobonds. The difference from bonds is that these securities are issued by large world corporations, and the face value is indicated not in rubles, but in foreign currency (usually equal to $ 1,000). This option is more preferable than the previous one, because it allows you to get not only the income specified in the contract, but also profit from the difference in the value of the currency itself (and now the dollar is growing against the ruble).

Having no knowledge in the financial sector, buying securities should not be. It’s better to entrust this to professionals and just make a profit. You can always gradually switch from passive to active investing, the main thing is to have a desire to develop, to learn something new.

Foreign currency investment

Amid the instability of the economy in Russia, the purchase foreign currency today is one of the promising investment formats. There are two ways to go here:

1. Buy and sell currency through a regular bank. This option is suitable for long-term investment. It is notable for simplicity - for a purchase it is enough to present a passport, transfer money and receive currency on hand. But the level of income here will not be as great as in the second case.
2. Currency trading through a brokerage company. This is a great opportunity to increase your capital at times. Experienced investors receive income from the difference between quotes. But for this format, you will need to conclude a written contract with the company.

If a person does not have serious knowledge of the financial market, he can also try himself as a player on the stock exchange. In this case, it is better for him to choose an investor for himself and copy his transactions, paying a certain amount of income.

It is very important to choose the right currency for the investment. If this is a long-term investment, then you should stop at the Swiss franc or pounds sterling. But trading on the stock exchange will be most effective if you buy and sell such popular currencies as the dollar and the euro.

Binary Options Investments

If a person wants to increase his capital as quickly as possible, then he should pay attention to binary options. But this format is not suitable for everyone, because the investor must have two qualities:

• be able to take risks;
• have an understanding of the economic situation in the country and be able to analyze it in detail.

The essence of investing is unambiguous forecasting as to whether the price of an asset will rise or fall. The subject of the forecast may be various securities, currency pairs or precious metals.

If the forecast is correct, the investor can multiply his rate by 1.5 - 1.9 times. But the risks and losses are great. Incorrect betting, you can lose all or most of the amount. The advantages of this investment format are as follows:

• a person receives a lot of different tools that he can use in trade;
• the size of possible profits and losses is known in advance (some sites even suggest the ability to set the size of profit and loss as a percentage);
• accessibility (anyone can become an investor, this will not require serious skills, special education or anything else);
• ease of use (no need to install additional software or go through the identification procedure);
• understandability (anyone will be able to understand the mechanism of operation of service sites, you do not need to be an experienced investor for this).

If a person feels the strength in himself and has a desire to start earning in this way, then he will be able to start interacting with the service site on the day of contact.

Many novice investors do not understand what is the difference between a mutual fund and a PAMM account. Not surprisingly, these financial instruments have quite a few similarities, but there are also differences. If money management through a mutual fund falls entirely on the shoulders of the manager, then the owners of the PAMM-account can regulate or cancel the actions of the manager themselves.

PAMM-account is an investment option for more experienced people. They can not only check the balance at any time, but also perform various actions with it. This attachment format has a lot of advantages:

• gaining access to the most profitable investment tools, which increases the potential profit of the investor;
• free entry to the market - many PAMM accounts are opened even if the depositor has only a few hundred dollars;
• the ability to control the actions of the manager, analyze them and influence the decisions made;
• simplicity of choosing a manager - all the results of his activities are in the public domain, so any investor, even a novice investor, will be able to evaluate the performance
• the ability to create several PAMM-accounts at once, based on different forms of investment (different currencies, gold, domestic and foreign companies);
• fast speed of depositing and withdrawing funds - this takes a maximum of 24 hours, which allows the investor to be sure that, if necessary, he will be able to dispose of the funds at his discretion.

Such accounts do not have clear deadlines. This means that you can close it in a month or longer by withdrawing your money in in full (investments + profit).

Lending to other persons

This investment format is attractive with a high level of income. For a year you can get up to 50% of the profit. The essence of the idea is to find people who need money. Usually we are talking about those for whom funds at banks and microfinance organizations do not give out for any reason (lack of work or official income, too bad credit history or the presence of outstanding debts). Such people are often willing to take money at a very large percentage.

There is a flip side to the coin - the risks of default are very high, especially if you give out such a loan to only one person. It is important at the preparatory stage to draw up a contract in which all the nuances (order of return, interest rate, fines and other sanctions in case of late repayment).

Investing in MFIs is becoming very popular now. These companies are developing rapidly, giving people small loans online. They do not always have enough of their own money, and then they begin to attract private investors. Profit in this case may be 10 - 40% per annum.

Investment in business

In this case, we are talking about starting your own business or buying a finished business. The initial stage will be the most risky. But having mastered in the chosen field, you can count on a stably high income.

Opening a business should begin with a business plan. The investor must outline the costs, their actions. It is imperative to study the particularities of the legislation of one sphere or another, and business requirements. At this stage, the potential profit level is also determined.

When searching for a suitable format, a person can choose for himself one of the following strategies:

1. find an experienced partner and do business together;
2. start with a small business with little investment;
3. choose a relatively new direction in which the level of competition is very small.

But not everyone can go into business. Not everyone is willing to risk their savings. Activity, initiative, the ability to quickly analyze the situation and adapt to it - these are the features of a real entrepreneur.

Art investment

This is a rather controversial investment format. It makes sense to deal with those who are interested in art, well versed in it. But knowledge alone to generate income in this area will not be enough. The investor will have to attend auctions and exhibitions, independently seek buyers.

The market for works of art has been around for centuries. The main advantages of such an investment are the following features:

• easy to buy (to conduct business, you do not need to register an enterprise or obtain a license, it is enough to conclude a simple contract of sale);
• the possibility of generating income even in difficult times for the country and the world (this format of investments becomes very attractive in times of crisis, during the war);
• the possibility of a significant increase in profits (objects in art can go up dozens or even hundreds of times without any action on the part of its owner).

But there are certain difficulties that can overshadow the investor. The disadvantages of such investments include the following:

• the need for experts to evaluate authenticity;
• there is no way to get intermediate investments;
• you can get a tangible income only in the long run, but it will not be guaranteed;
• low liquidity (it may take a lot of time to find customers, and the purchase process itself may even take several months);
• it is impossible to use capital as collateral when obtaining a loan from a bank;
• availability additional expenses (objects of art need to be stored in certain conditions, to ensure their safety, to transport, arrange insurance);
• there is a possibility of buying a fake (no investor is protected from this, even if he buys an object of art at a well-known auction).

The relevance of this area of \u200b\u200binvestment today is difficult to overestimate. Modern technologies are developing rapidly, involving an increasing number of people on the Internet. It is not surprising that against this background, investments in Internet projects are becoming popular among an increasing number of citizens.

This area is also interesting because it can be invested in not only by an experienced investor, but also by a novice entrepreneur who does not yet have experience. In this case, money can be sent to one of the following areas:

1. Startups. They are distinguished by innovative ideas. Such a business format can bring very good profits even with minimal investmentbut only if successful. The risks are very high.
2. Starting your own online business. It can be an information site, an online store, or something else. An important difference from ordinary business is that the amount of starting investments is significantly reduced, because people save on staff salaries, renting warehouses and retail space. In addition, on the Internet you can find much more customers than in ordinary life.
3. Investing in already developed projects. It is important to be able to assess prospects. The size of the income received will directly depend on this. This is a passive investment option. The investor himself will not have to do anything, others will earn for it.

This direction should be considered by those who are interested in active and productive investment. The Internet is a place of great opportunities, where everyone can find a way to earn money, you just need to make an effort.

Personal investment

This investment format is relevant at all times. After all, the knowledge and experience gained remain with the person forever. With the help of them, he can properly manage his capital, open his own business and earn money on it. In a general sense, personal investments can be expressed in the following areas:

• Health. Moreover, it is relevant not only for the elderly. Already from a young age, a person should monitor health, visiting doctors on time, taking vitamins, undergoing examinations, playing sports and eating properly.
• Appearance. After all, the first impression of a person is created on the basis of his appearance. Investments can be directed to the purchase of clothing, perfumes, cosmetics, payment for the work of a hairdresser and other specialists. This also includes a visit to the pool, fitness, gym.
• Knowledge. This is perhaps the main direction of investment, allowing you to increase your capital. The more knowledge and skills a person has, the more successfully he can be realized in life, find a well-paid job or start his own business.

Conclusion

There are a lot of investment options in 2018. You need to choose the appropriate format individually, evaluating your capabilities, knowledge and experience. Do not rush into the pool with your head. Any business requires reflection, thought out a plan.

We must not forget that the higher the possible income, the higher the level of risk. Therefore, the selection of the appropriate ratio of "risks - potential income" should be approached very carefully. Otherwise, you can not only not earn, but also lose what you already have.

Comes to the end year 2017which means it's time to think about where to invest in the upcoming 2018. Today I suggest that you and I reflect on this issue.

I will tell you about your own vision of the situation, and your opinion will be interesting to read in the comments.

But first, I propose to analyze and see what I was right about and what I was wrong about.

Analysis of the forecast for 2017

In my opinion, the ruble has already strengthened enough and ahead of him waiting for a fallsince the budget deficit is the place to be, import substitution not working yet, but Reserve fund almost at zero.

My forecast is as follows: either get rid of ruble assets now, or keep your finger on the pulse and wait for the right moment, since the wooden rubles 5 the dollar is still able to win back before the fall.

Over the year, the ruble appreciated against the dollar approximately on 4% - This turned out to be wrong. On the other hand, the ruble has weakened relatively euro approximately on 7.5% .

And if you bought in dollars, for example, in april this year, then by today you could win until 5.5% in rubles. That is, a recommendation "Keep abreast" was true. IN april the dollar sank against the beginning of the year, just a little more 5 rublesthat I talked about. If in april invested in euros - would have won by today 16.5% .

The MICEX index for the year lost order 4% . At the same time, I earned an order of magnitude 3.5% . This of course is not 30-60% , but against the background of a general market decline - it is quite tolerable. And taking into account the deduction by - is even better (depending on the amount - up to 13% from above).

But if you invested in the MICEX index in junethen could earn up 20.5% for six months, even without taking into account the deduction for. Logging in june in stocks on, would you earn order 10% for half a year.

If we take as a basis the scenario with the fall of the ruble (which, as you probably already understood, I think is the most likely), it makes sense to invest in eurobonds.

This can be done by buying on moscow Exchange ETF under the ticker FXRU - Eurobonds of Russian corporate issuers denominated in dollars.

Everything is stable here. Investing in Fxmm at the beginning of the year, you could earn an order 7.5% . Well, it was possible to get to 13% from above.

Bitcoin To me it is not yet clear what will happen to this currency in2017 year but in order to diversify it is possible to allocate percent for it5 invest portfolio. Though, it is better to wait for a significant decline, and then buy.

Everything here, to put it mildly, turned out very chocolate. Yes, you yourself know.

By buying bitcoin earlier this year, it was possible to earn by today's order 1 600% ! As for the drawdown, in the second week of January it happened and reached order 23.5% . If you bought cue ball at that minimum, it would have earned by today's order 2 150% !

I wonder if anyone listened to my recommendation about bitcoin? It’s a pity that I didn’t listen to them myself 🙂 If at the beginning of the year allocated for it 5% portfolio, my investment portfolio would now be heavier by about 570 000 rubles!

The easiest and one of the most reliable ways of investing is banal bank deposit. And since the prospects for the ruble are not very bright, then i would recommend paying attention to foreign currency deposits.Especially Fed raised the key rate and plans to raise it next year, which means interest on dollar deposits will increase.

Do not discount euro, although he is going through hard times now.

Generally, a good solution would be to make a contribution, both in dollars and in euros.Suppose, in the ratio 50/50 .

Bank deposits in the ratio euro / dollar - 50/50 would bring you this year, in the aggregate, order 3.5% in rubles. At the same time, a dollar deposit in rubles would show a loss, and a euro deposit - a profit.

Investing in real estate is classic reliable way to invest money.Although it is not the most profitable, it carries few risks.

asset with a sufficiently large entry threshold, and not every investor can afford such investments. But if there is money - why not ?!

Real estate prices for the year have not changed. For example, in Peter Housing for this year has risen in average by 0.35% . In view of the lease, it was possible to earn 6-7% .

Eurobonds

Given that the ruble is likely to become cheaper in 2018, it makes sense to invest in Eurobonds.

You can invest in them by buying on moscow Exchange with a ticker FXRU — dollar-denominated Eurobonds of Russian corporate issuers.

It is possible to get to 13% per annum in the account.

Can be purchased FXRU through mine.

Risky investments

Fxmm can be purchased through mine.

If a bitcoin called today "Digital gold", then, perhaps, sometime, on the contrary, they will begin to call "Metal bitcoin" 🙂 Just kidding, of course. Although, who knows ... 🙂

Amid growth financial markets, gold today does not look very attractive. It is likely that in 2018, the price of gold may decline. If any happens crises, wars and cataclysms, then most likely it will be so.

But, on the other hand, in 2018, gold may "Find the bottom"where you can get a good deal of it "Metal bitcoin". After all, you need to buy when the asset is cheap, right ?! If we consider investments in the long term, then 2018 is the best time to get your head on. After a few years, the crisis withers - then you sell at a high price. But I would still not recommend buying gold at the beginning of the year. It's better wait for the drawdown. I’ll venture to suggest that it will be most profitable to invest in gold somewhere in february-March. If only because the ruble at this time will be still relatively strong, and it will be possible to buy more gold for it.

Not the best investment options in 2018

As I said, in 2017, property prices have not changed. And if inflation is taken into account, it turns out to be very sad.

I think that in 2018, property prices will decline. Main reason - excess of supply over demand. People have no money. A lot of housing was built, but the apartments are empty, as they are very sluggishly bought.

It is likely that ahead of us is waiting for a reversal of this trend. But this is unlikely to happen in 2018. Therefore, if you plan to purchase an apartment in the coming years, then it’s better to do it somewhere through 2-4 years. Perhaps you can grab square meters at the lowest prices, and then for many years watch the skyrocketing prices for them.

Conclusion

Summarize. A good option for investment in 2018 can be a portfolio of this type:

I am waiting for your opinion in the comments - with which I agree, and with which - no. And also write down what assets you consider worthy of attention in 2018. In a year we’ll come back here and see who was right and who was not very 🙂

By the way Dima left a comment of the following nature:

Hey. In general, it’s competent, but as for bitcoin, it is clear that you are not in the subject, litter, I do not want to offend.

Here, for example, you write: "Although, it is better to wait for a significant decline, and then buy."

What significant reduction? Do you understand what you're talking about? In my opinion, it’s written, just to write, having no idea how this all works

Apparently, he knew something 🙂 It is a pity that he did not explain to us how this all works (although I asked for it). Now they would lie somewhere on Canarywhile drinking mojitoand troubles would not know.

There were other forecasts. For example, Vasiliy suggested that oil will grow in 2017, and the guest suggested that the price of bitcoin by the end of 2017 will exceed the mark in 1 000$ . Both were right. Oil for 2017 added in rubles about 8% (although, until June, its price fell), and bitcoin really exceeded the mark in 1 000$ 🙂 Almost 20 times exceeded 🙂

That's all, friend!

Hello, dear readers of the financial magazine site! Today we will try to uncover the question "Where to invest the money." Indeed, the difficult economic situation in the country's economy makes us constantly worried about our own financial resources.

Therefore, we are constantly faced with many questions, first, where to invest, to save and not lose, then, where to invest, to earn, to receive monthly income etc.

Detailed instructions: where to invest money to make it work and bring monthly income

If there is even a small amount of accumulated capital, then there is a real fear of its loss. That is why we are trying to be more literate in matters of investing funds, exploring various opportunities for profitable investment.

Of course, many of us are far from politics, a large economy and state management methods, but this does not deprive us of the opportunity to study the experience of successful people, to look at expert advice, determining the best way to invest in order to generate income. Such a detailed review of the situation will help determine the most profitable area of \u200b\u200binvestment money at the moment.

From this article you will learn:

• Where to invest in 2019, not to lose - expert advice;
• Where to invest the money to earn (so that they work) at a high percentage with a guarantee - the basic principles of investing money ;;
• Consider where you can invest in Russia + real ways of investing money, depending on the size of the amount of money.

Rules for investing money

1. Where to invest in order not to lose - 5 basic rules of investing 💎

So all the same, how to invest money so as not to lose it and what needs to be done so that they work and generate income? On our site, we present the site 5 investment rules, which must be taken as a basis. They will be for you a kind of " handbook», Which will help to make the most faithful actions to save and save money.

These rules have been developed through experience gained and have proven their effectiveness over the years.

Rule number 1. Free money

This is the first rule stating that you can invest (invest) only those funds that are available after all basic obligations and needs have been fulfilled, that is, those that are not taken on credit / debt, etc.

Never take money to invest on credit or debt. It should be understood that subsequently an unsuccessful investment can lead to bankruptcy and limit the ability to return finances at the appointed time.

In addition, the incorrectly calculated economic budget of your own family will cause additional difficulties for you. Indeed, sometimes arising domestic problems require urgent solutions.

Remember that private loans, credit debts can not only rewrite your good history, but also ruin the relationship with close relatives, obligations to which will remain unfulfilled.

But if you still decide to use a loan, then our article on how, even with a bad credit history is to help you.

Rule number 2. Regular income

When investing your own money, it is important to realize that you can only rely on the money that manages to be earned in the usual way, without resorting to the results of investments. We already wrote about where to make money without investing in an article.

Divide these revenue items into 2 parts, one of which is constantly increasing capital, remaining untouched, and the second ensures personal existence and is replenished monthly from stable sources.

Rule number 3. Investment plan

Compose it in advance by defining clear parameters. Consider all your possibilities and ways, try to choose 2-3 types of investment. At the same time, it is important to understand that the actions you have outlined can be adjusted taking into account the changing economic situation in the country. That is, a well-built investment plan should be flexible and relevant.

Try to make sure that all available cash is not invested in one single project (investment method). The greatest efficiency will have an investment in several projects. Even if profit cannot be achieved in a certain area (there will be a loss), other types of investments will correct the situation.

Rule number 4. Do not spend your profit

This rule suggests that the money earned should form and increase your capital. Many experts advise more likely to withdraw earned money from investing in other investment objects.

Build your own investment portfolio and look for new, most profitable sources of investment.

Rule number 5. Control your money

Try to be interested in the movement of your own cash and assets as often as possible, paying attention even to minor nuances. This will avoid a lot of mistakes and problems, and will also make the right decisions on the contribution of their money.

In addition, you should be very careful about doubtful and super profitable investment offers. Carefully check all possible information on these types of investments.

Do not forget that cases fraud significantly more frequent and immediately determine the veracity of the intentions of the company / person is not always possible.

Inquire about the company that plans to cooperate with you. Browse various reviews on the Internet and learn the experience of other people who have a history of investing in it.

Try to make preliminary calculations, pay attention to the totals. Too fast and high profit should alert you.

Remembering these simple rules, it will be easier for you to navigate your own abilities. It should be understood that only a thorough study of the situation and the proposals received will help to become a more competent investor.

We are used to trusting the words of our acquaintances, parents, relatives, but the situation is changing daily and yesterday’s profitable contributions may turn into a risk of loss today. That is why you should rely on your financial literacy .

According to experts, the monthly income we receive must be divided by 3 components:

• the main - this is the money spent on the purchase of food, clothing, payment of housing expenses.
• funded - it is approximately 10% of the amount received. Here, expenses are assumed to purchase a car, a trip on vacation.
• working - the entire remaining amount, which can be disposed of at personal discretion. It is she who is the source of future investments.

As you can see, from the scheme, little money remains for investing, but they are capable of increase at times with the right approach.

Even if there was a situation in which a very profitable project fell into your hands, and equity not enough for him, try to find other investors / co-investors. By joining forces, you will create a common fund, which is called financially the pool , thereby giving a start to the case itself to obtain higher interest.

These situations are not rare and people very often seek to find like-minded people who have a cash reserve. The general idea is able to give an incentive, and the capital raised is a good return.

2. Where to get money to invest profitably - tips 📑

Sometimes it seems that the word " Investment”Implies a large financial amount that is difficult to find immediately. (Our article "" to help you). That is why we try to put bills in a box, keeping them at home until better times.

In fact, this position wrong , because any free money should work for you, attracting new financial resources. If we talk about such a method as the preservation and increase of capital using a bank deposit, then the initial amount of investments can be 1000 rubles.

It’s important to just choose the right one. bank deposit and terms of use. About what happen, read in a separate publication of our magazine.

Yes, currency purchase, precious metals, art objects, and even more so own business require a more significant amount from you. But here there is a way in which you can gradually collect the missing finances.

Firstly teach yourself how to save. Try to shop correctly, creating your own profit. We recommend reading the article - + expert advice »

And secondly put off monthly10 % from income received on preservation. Thus, you will create a clear structure of the distribution of funds and in a few months will come to the intended result.

Profitable ways to invest money so as not to lose, save and earn

3. 13 ways to invest money to make it work and generate income 💸

Let's try to consider the most relevant options for investing our own funds, identifying their advantages and disadvantages.

Method number 1. Bank deposit (which bank is better to put money at interest)

This is the most common way that is available to anyone who wants to invest their money. Its whole essence is that a contract is concluded on the basis of which all the money you deposit is not only saved for a certain time, but also multiplied, according to the specified rate.

Investor (contributor) acquires confidence in that he will receive income, the amount of which can be calculated in advance. This method of working with money is beneficial for both parties.

Method of investing money No. 1 - deposit

Youreplenishing the contribution, we work to increase it, and banktaking money, conducts a lot of operations that give him their benefits.

So, your contribution under 10% given for a loan with debt obligations to another client in 20 % and, exactly one year later, the money returned will make up a significant difference (income) to this institution.

You can choose the most optimal deposit for yourself, either independently or with the help of a consultant who is always guided by offers relevant to the given period.

Another significant advantage such a method can be called deposit insurancerecently introduced in connection with the regular bankruptcy of credit organizations. Now your contribution is the size of 1 400 000 rubles subject to compulsory insurance, and therefore the return in any case from the state.

That is, if your investment amount exceeds this specified threshold, then you can split the money using the services of several banks.

Despite such positive aspects, there are significant minuses . So, initially for the invested funds the smallest percentage of all investment methods is established and may be from 0.1% to 9%, which varies depending on the conditions of the proposal.

In addition, the unstable financial situation in the country leads to a constant depreciation of cash (inflation). But, even in this case, your small profit will help to avoid significant losses, while maintaining capital at the same level.

Which bank is better to put money at interest in 2019 - expert opinion

When deciding for yourself which bank it is better to invest your money in and where to open a bank deposit (deposit account), we recommend that you familiarize yourself with the TOP- 5 banks of the country, paying attention to the reliability rating of these banks.

A bank is more reliable if the state is the main shareholder (controlling interest). It is unlikely that the state will be interested in the bankruptcy of its own banks.

Reliable banks include eg such banking giants as Sberbank, VTB , Russian Agricultural Bank and some others.

So, the TOP-5 banks in which you can safely invest money at interest:

1. Sberbank
2. Russian Agricultural Bank;
3. "VTB 24";
4. Gazprombank;
5. "Alfa Bank".

The reliability rating of banks changes slightly over time. But first 3 (three) bank almost always in their places, as these are large banks with state financial support, that is, reliability at the highest level in the country. Here you can choose a contribution with replenishment, capitalization of interest, as well as prolongation. You can read about one of our publications.

Method number 2. Investment in mutual funds

People who are a little familiar with stock exchange, stocks, bonds and work with securities prefer to invest in mutual funds (mutual funds).

In fact, this combination only sounds complicated, but has a simple foundation. It represents collective investment and further management of them. All money is collected in a general fund, and then with the help of a professional manager, they are sent according to the chosen method of use.

The principle of mutual funds

IN most we ourselves very rarely own real information related to the economic indicators of even the most successful organization. Therefore, the ability to acquire any security paper is enough, but to competently manage it is not.

Important! By investing money in mutual funds, we get the opportunity to purchase those stocks, bonds, gold or currencywhich have fallen slightly in price, but are capable of gaining their positions in the future, determining good growth and a significant share of profit.

To achieve such an ideal situation, specialists in investment funds must be well versed in the economy, not only at the level of their country, but also in the whole world. It’s important to know the basics technical and fundamental analysis, view news feeds and be able to properly respond to constant changes.

It is very difficult for an ordinary consumer to obtain a complex of such knowledge, and even more so to actively use it, so there is a need for the services of a specialist. This is the essence of investing in mutual funds. You give your free money to managers who have great experience and good statistics.

Thereby, advantage investment fund in that at all stages you are provided with maximum support and various options for investing, from which you can choose the most optimal.

There is no need to immediately plunge into all the subtleties and nuances, learn daily methods, it is enough to trust your funds correctly. In addition, you can gradually thoroughly delve into the ongoing activities by purchasing additional shares of the same organization on your own.

It should be understood that any activity management company subjected to constant monitoring by the state, and this is confidence for you in honest cooperation.

It is such tough measures in the legal field and legal issues that protect our investment rightslike shareholders.

For the most part, a company that values \u200b\u200bits reputation only allows trusted employees with a special certificate to manage attracted contributions. It is also important that the amount of your initial investment is practically unlimited. It can start from 1000 rubles.

All available capital can be distributed initially between several mutual funds, which will allow you to create your own portfolio, limiting you to a share the risks.

Following the logic, the situation turns this way: if even one investment fund puts your money at risk and brings you lesion , then the other will help restore the lost amount and most likely will provide income .

Even if the fund is recognized bankrupt , then your property invested in this investment will not be allowed to be auctioned by law. If necessary, the results of an independent audit, which is carried out daily, can always be requested. So, with the help of a registrar, the fund’s own rights to invested units and all property are recorded. And annually, the company's accounting is audited.

The negative side this method can be called your own indiscretion, when a young unverified specialist who takes up the case, "fails" you and your expectations.

Checking his actions in advance is quite difficult, so there is a risk of losing accumulated money.

The only right decision it may become your desire to learn a lot more about the mutual fund in which you plan to invest. Try to analyze the situation, look for reviews, read the forums, insure yourself.

Method number 3. Real Estate Acquisition

Investment Method 3. Purchase of real estate (office, residential, etc.)

This method has always been the most effective for investing money. It should be understood that the acquired property (apartment, etc.) almost never loses in value. We have already told how profitable to buy an apartment and, in a separate article.

Over the next few years, its value will gradually increase. Sometimes this happens in sharp leaps, often just a systematic increase, but it always allows its owner to be in plus . In more detail about, as well as the pros and cons of this method of investing, we wrote in the past material.

In addition, the purchased option can always be rent out, and this is already a way of passive income, which leads to further accumulation. Experts noted that in order to invest, it is best to purchase simple rooms or one-room small apartments.

An example of an apartment, buying which you can rent from 20 thousand rubles per month in a large city

The leased premises of two such objects are many times more expensive than one area, consisting of 2 rooms.

Also, it is easier to repair a small quadrature, giving it a presentable look, and to furnish it with your furniture. If you operate in the language of numbers, then renting a purchased room will bring us 10-20% per annumthat maximizes the return on investment through 6-8 years old, and after that the period of obtaining net profit will begin.

But renting an entire apartment brings only 5-7% per annum and this is a longer return period. Besides existing way daily rental housing gives the most favorable prospects, but entails the need for constant work on search for people living and repairswhose implementation will become more frequent.

You will need to provide not only the best conditions, but also the prestige of the location of the room in the area. Home equity investing has mass the benefits . This is stability, and the possibility of further residence and the return of invested money at any convenient time.

It should be understood that sell property you can always. (How to do this quickly, read the article -? "). In addition, you can easily give your square meters transfer to them by inheritance or bequeath to a specific person.

Disadvantage Such a method should be considered the high cost of the object and difficulties in making a transaction. So it’s not always easy to collect the amount from 500 000 rubles, and even a loan taken from a bank imposes a ton of obligations on you. But having money on hand is not the key to a successful result.

IN modern world there are so many schemes used scammers when selling housing. And your initial conviction may subsequently turn out to be a hoax.

Therefore, the vigilance shown is very important when searching for premises, checking documents and working with lawyers.

About the types of real estate investing, see the video below:

Method number 4. Precious metals

A very common way of investing was buying gold. It is purchased in special bullion and, as a rule, is stored in the same banks, creating a special account.

Over time, the prices of this instrument may, as growand fallbut for the most part they provide the owner with precious metals profit. It is not difficult to purchase it even on the day of the appeal itself.

If the transaction occurs in an anonymous form, then VAT in fact sales or purchases not charged. But the formation of metal in the ingot suggests tax payment value added 18% (VAT).

In addition to gold, it is actively sold silver, palladium and platinum. In fact, the entire income of the depositor is formed due to the growth in the value of precious metals in world markets. If necessary, accounts can be replenished in cash equivalent of the value of this investment tool.

Closing the contract, according to its terms, the bank has the right to give you not only financial resources, taking into account the increase in the amount, but also the bullion itself. By the way, very often accounts closed prematurely do not entail payment of accrued interest.

Benefits this method is that he protects savings from inflationprotects the owner in case of any unstable economic or political situations in the country. In addition, it can be traced here. high liquidity use, that is, a quick transfer to cash, as well as a stable increase in value on them.

Gold, like a precious metal, is always valuable. The cost of gold is subject to slight fluctuations, but in the long run it rises in value.

Of disadvantages can be called the need to create special storage conditions, purchase and sale only through banking system, and the increase in capital gains is slow.

In addition, when working with this method, you need to follow several basic rules.

Firstly, the acquisition of precious metals is important in the most favorable period. Try to identify the main decline in prices.

Secondly , it is worthwhile to understand that such investments pay off only in the long term.

AND, thirdly, proceeding with the main actions, try to study the market in advance, deal with the peculiarities of the extraction and consumption of each metal, and also analyze expert forecasts.

Obtaining gold gradually depletes its reserves, which makes it possible to make the price more expensive after a period of time.

Method number 5. Business

The investment method is No. 5. Business Creation and Development

The creation and development of one's own business, as well as the acquisition of an already completed project, involves special risks for initial stages. In general, of course, the sphere of investing funds is considered profitable, but it can be very difficult to achieve such a result. We already wrote about that in our issue, where detailed instructions how to discover, what to pay attention to, as well as popular business ideas as examples.

Important not only correctly calculate the amount of investments initially, staff availability, purchase of goods and other expense items, but also take into account the rental of the premises, the cross-country ability of the planned place, and even the cost of the average check, which gives reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt the original plans. it competitors presence, not established relationships with suppliers equipment modernization, changes in russian legislation , and much more.

Advantage Such investment can be considered the possibility of joint ownership of the business, collegial management of it and the search for a niche for the poorly occupied competitors.

Under such conditions, as well as competent business management, you can not only get a good income, but also be sure of its constancy.

Negative side a similar method is called the absence 100% guaranteed. Your invested funds may, in the end, not only not return, but also impose special obligations to eliminate debts resulting from activities.

Any area of \u200b\u200bbusiness requires special attention, constant work and personal dedication. You will have to either constantly monitor the course of affairs with the invested funds, or independently participate in them, achieving positive results.

In more detail and in detail about, we wrote in our last material.

Method number 6. Purchase of securities

Investing in such instruments becomes profitable in the long run. The main types of them in your portfolio can be called stocks, bonds and eurobonds.

Method of investing money №6. Purchase of securities (stocks, bonds, etc.)

Consider each acquisition in more detail.

So " stock" - This is a security that makes it possible to confirm your right to a share in the capital of the company. It allows not only to receive dividends, but also to participate in the management of the enterprise itself.

The main advantagesuch an acquisition can be considered a huge profit, based on the growth of its price. The whole scheme of storage and control of such papers is now in electronic form, so it is very convenient to use.

Also, when working with securities, many companies open their controlled firms in offshore zones (“offshore”). We have already written in our past issues.

Negative point experts call the high risk of storing these tools. Such an acquisition is at your own risk. No one gives good guarantees of the success of such an event.

"Bonds" their owners increase capital gradually. Its growth occurs at a slow pace, but makes it possible to become stable. IN total portfolio securities they are likely to purchase to diversify, that is, expand the range.

They reduce risk and are suitable for those users who are able to expect a long period of adding initial funds.

Eurobonds most often issued by corporations and the government in the face value of foreign currency. The initial bid for their acquisition is 1000 dollars.

Main advantage a similar method of investing is the value difference of currencies. Due to this, you can get a good income and sell bonds at any time without loss of interest.

Disadvantage of this method is that it is very difficult to choose the right ones yourself stocks or bonds in your portfolio. You will have to resort to the opinion of professionals and experts.

Only they, understanding the real economic situation of our country, as well as understanding all the nuances of work in this area, are able to advise and choose the most optimal solution for you.

Method number 7. Private Lending (P2P Lending)

Another way, now receiving the most widespread. This is such a method in which money is provided to the borrower on special conditions. It is important to draw up a contract correctly, evaluate everything the risks and losses, study the personal data of the person with whom you have to work.

Your advantage consists in high profitability. The provision of credit obligations from one natural person to another on short term allows you to get up to 50% per annum. But the disadvantages of this method are also serious.

There is a possibility of non-repayment of borrowed funds. Even a very thorough search for borrowers does not guarantee their honesty.

Method number 8. Currency purchase

This method of investing can be carried out both with the help of banks (banking institutions, branches, etc.), and by involving brokerage companies for trading in the Forex currency market. One of top brokers is an " ForexClub".

If a in the first case you just need to provide an identity document, then in the second - A special contract is signed, which may initially carry additional risks. In one of the articles of our journal you can familiarize yourself with what and what you need to pay attention to.

That is why it is important to choose the right specialists with significant experience in this field of work. The most popular currencies today are: american dollar, euro, japanese yen, swiss frank, and pound sterling.

Main advantages This method can be called some points.

Firstly profit increase is achieved in 100% and more, which allows you to increase initial capitalenriching daily.

Secondly , if you know the dynamics of the growth of the exchange rate, then it becomes possible to protect yourself from inflation. You can independently choose a currency, determine its changes and predict further consequences.

Thirdly , the acquisition for you is not limited in time. This process can be scheduled for any period of personal free time.

AND, fourthly By providing constant access to the Internet, you yourself are able to control the situation, monitor the course change, determine the effectiveness of your further actions.

Disadvantage with these advantages, only one is the unpredictability of the currency. In order to make the right decision, you need to carefully monitor the changes, be able to correctly predict the behavior of quotes and try to bet on various types of funds.

So, experts advise to instantly increase your starting capital, invest in dollar or euro. (in the near future we wrote in the last issue, which provides advice and expert opinions).

If you have priority safety of funds Despite the difficult political situation, pay attention to pounds or swiss frank.

Of course, their purchase is a more expensive business, but this operation gives stability, because their position is more stable in the foreign exchange market.

☝ Also, popularity has recently been growing. We talked about them in detail in the last issue.

Method number 9. Investing in art

This is one of the most stable ways. save your money, but also significantly increase them. For this, it is important not only to really understand the art, but also to attend special events, choosing their future customers.

This method has both a lot of advantages and its disadvantages. As you know, the art market has existed for a long time and everyone can become its participant, regardless of gender, age, or even religious prejudice.

First and significant plus working with masterpieces is very simple acquisition procedure works. There are no special formalities, licensing, special checks. The investor selects a future acquisition by catalog or directly visiting the gallery itself. He is called the price of his favorite canvas according to the established price list.

If necessary, an expert is invited to confirm the authenticity of the work. Such a specialist can be provided both by the organization itself and from the circle of personal preference. The work that is liked is carried out by the purchase operation and given to the investor in his arms.

By the way, it is believed that investing in such sources becomes the most profitable in periods of crisis, wars or extreme situations. This is a kind of protection of capital, providing in the future and profit.

But against the background of these advantages, we can distinguish a number of disadvantages . To begin with, this market has low liquidity. Auctions are held with frequency 1-2 once a year, and the sale itself may take from 6 to 18 months.

In addition, the availability of buyers who are able to pay you the required amount is very limited and it is important to convince them of the importance of the acquisition. Many credit institutions refuse loans to their clients, even if they are trying to secure them with the same art objects.

No work not able to bring to its owner interim income, such as renting an apartment or buying shares, but the costs can be significant. The owner must ensure not only the correct storage conditions, but also insurance, guard, delivery.

Moreover, sometimes it happens that the period of price increase is replaced by its stability and waiting for a long time the owner can just make a small profit. Even at well-known auctions and bids does not exist 100% fake protection. Often the staff of experts there is very limited and it is not physically possible to verify all works of art physically.

Many experts advise taking this method of investing capital very seriously. Try to ensure for yourself the maximum possible methods of checking the works for authenticity, attract those employees who will give a guaranteed result.

It is worthwhile to understand that only a canvas that has not been put up for sale for a long time and spent it in one collection has serious chances to increase its value.

Method number 10. Internet projects

With the development of modern technology, such a direction is becoming increasingly popular.

Way to invest money №10. Investing in Internet projects

It basically has 2 areas of, which may be of interest to both a novice investor and an experienced specialist.

Firstly, a worldwide network allows you to create innovative web resources that are regarded as startup. By the way, we wrote in our last article.

Secondly, you can invest in creating your own website, which will become the foundation of your business and will begin to bring additional cash on a regular basis.

AND, third, financing of those projects that seem most profitable to you.

We will examine in more detail in each direction in order to understand how beneficial it can become later.

In the first case you will need come up with an original idea, which will be able to interest the future buyer with its profitability. Having worked it out more carefully, it’s important to understand even the smallest details.

Next, specialists are involved who are able to bring the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed that realizes this business project and tests it.

Your invested funds are returned back with recoil . The amount of profit received on hand depends entirely on the degree of study of the created Internet site and its attractiveness for future owners.

Second case has a more common beginning and is beneficial for a number of reasons. Creating your own online business is possible even with a small amount of capital.

You save on trading floors, warehouses, {!LANG-d8e528495e57450c964880cb58f4964e!}{!LANG-7cbb9bfb61d63e8063ec5b79e2b2351b!}

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{!LANG-9d8f07e700a05214f088a2901a5c8fc0!}

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{!LANG-bb18598c499f1aa3fa390d840abd0bca!} {!LANG-1a2ceac43baab8ad8962c448e7832750!} 65-85% {!LANG-b44d174c7641e3b263c9a5b9b4b0b398!}

{!LANG-ca866fcd0f73a9a0a0265d8516a078b8!} {!LANG-d4914c2a492df97936b809b58a09aba4!} 80-100% {!LANG-03b5773849fca3bb81188227be09d29a!}{!LANG-8df66e4d02eaff417ae42c82c3717576!}

{!LANG-3e1fec1b01235cc92bd15a9d050e2ae5!} {!LANG-6ec802fae972c210ff382481af8e613a!}{!LANG-010be45a251c9469676eaa1a3468105e!}

{!LANG-0ff84c4d53380abb42bd074f58653c96!}{!LANG-88ee64ce364f7bd3a3db6521ef44075d!} the benefits.

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Secondly {!LANG-994e9cd8afe63cd15f8c155ec26398e2!} {!LANG-5fce939e26d96e9a924420f4871266c0!} {!LANG-f7277710d703c62baf93b6d3b476a2e5!} {!LANG-da8139b89029f2775216d930d06db24b!}{!LANG-2bb3fdc6a04841697332ddf88ddee965!}

{!LANG-bcc5a7a7b0a3b424935950f8e1c96b77!}

{!LANG-e86decf998ff9760b13c4417f0efbf88!} 80/70 {!LANG-da94cabc867277aa94b78e9165818ca9!}

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{!LANG-412bf5445321432fde7c995d026c1df7!} {!LANG-35b0a6970e6d079693839499305f7557!}, but also {!LANG-de6ca69ac37a97c53376d50ffa12c393!}{!LANG-728ca6291e0848be2bc2674059d083ef!}

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{!LANG-aee592ba4fbb12f476b4902fededf8f4!} 30% {!LANG-9365c54958244e00e3ac9d749bfd4731!} {!LANG-d6a57048a0c68e5ff039ca13dc6ef918!}. {!LANG-89671778a668de443a175523cba99d36!} {!LANG-adef6e21fe61ffd7b8d0bfb58a80e0fd!}, {!LANG-d47e8b5d647d448f442e96c4bb05ce6a!}, {!LANG-6511f61d4dadf6a17c558f37e8116e0d!}, precious metals and {!LANG-21cf55dc0c65d66e9d34cb5459ca6f1c!}.

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{!LANG-24de2468ea5330ed9e1209d9b4952c4e!} {!LANG-84bb9a5094ec60d4ac5b0a97a06b8bdd!} 5000 {!LANG-3d6cd1c0e213b903b1886e60010a664e!} {!LANG-2a3b9cfd862708210bc5f809b55e5c02!}.

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