ways to invest. Where to invest money, or the most profitable investments. Mutual funds

Investments in the modern world are an integral part of economic development. In the scientific field investments are long-term investments in business objects, industry, agriculture, transport and other industries to receive dividends (profits).

Investments are not always cash as is commonly believed, it is also shares, bank deposits, securities, shares, technological special equipment, loans, cars, any property or property rights and values.

The most common concept of the term "investment" is long-term cash deposits within the country through the implementation of financial and real investments. it tangible, intangible and financial assets.

What is investing

The investment process itself is an investment, the implementation of financial transactions to receive dividends and other financial effects. This is the process of reorganizing material resources into regular investments. Due to the constant circulation of funds between the fixed assets of the enterprise, the prerequisites for new investments are created.

The activity of any enterprise at a certain stage of development always intersects with the investment of resources in various assets, without which the enterprise cannot normally carry out its work. This activity is called investment, and the investment management process itself is called the investment management project of the organization.

Some enterprises, in order to increase the level of profitability, resort to investing temporarily free resources and assets, which also generate income, but do not participate in their core activities.

In any investment process, which is carried out to obtain the maximum benefit from investments, several parties are involved at once:

1. Investor - this is the subject that makes the decision to invest money in a particular project. The investor is guided by information about possible dividends from investments that will be invested in business development in the chosen field of activity.
2. Customer - an individual / legal entity selected by the head of the investment project for its implementation.
3. Investment project users - any individuals and legal entities, government agencies and civil services, foreign companies that are interested in creating investment activities.
4. Other members - banks, insurance companies, suppliers, investment intermediaries, etc.

Investments: types, features of use

In the modern economy, investments can be classified according to different criteria: according to the types of ownership, organizational structures, equity investments and other parameters.

Based on regional affiliation, investment is distinguished within the country (internal) and abroad (external).

Domestic investments are classified as follows:

1. Real.
2. Financial (portfolio).
3. Intelligent.

FROM real investments bind long-term investments focused on obtaining some new product. These funds are invested in various manufacturing enterprises for the purpose of reorganization, restoration, technical re-equipment and obtaining new elements of entrepreneurial activity. With real investment, the main resources expand, free finance appears to expand the business.

Among financial investment such instruments as bonds, shares, bank deposits, securities and other assets are realized. This type of investment is not in vain called portfolio investment, because the investor forms a special financial capital (portfolio) at the expense of securities.

Under intellectual investment it is customary to consider contributions to various scientific and technological developments, innovative solutions, etc.

1. Direct (investment in any tangible assets).
2. Indirect (investment through other persons).

According to the time of investment, they distinguish short-term and long-term deposits. In the first case, it implies a cash flow into the commodity and material base, securities, etc. Long-term investment is considered to be financing in tangible / intangible assets, expanding the organization's funds. Long-term investment is capital construction, reconstruction, modernization of the production and technological base, etc.

If we take into account the direction of the investor's actions, then investments can be classified as initial, diversified, to expand or replace fixed assets, reinvestments.

In addition to projects focused on creating a new enterprise or improving the logistics of an enterprise, capital investments can be the costs of promoting a certain group of goods on the market. Thereby there is an increase in sales volumes, and an increase in commercial profits.

What is investment planning

Investment planning is an integral part of the management strategy of any enterprise. The essence of planning is to predict the most successful areas of investment. Planning is carried out when investing in land, construction projects, natural resources, the production of technological equipment, the development of a series of products, securities and other assets.

The most significant component of the planning process is the investment policy of the enterprise, with the help of which the most profitable areas of capital investment are determined. This provides an increase in production capacity, reduces the cost of production and increases the efficiency of the organization.

There are two most popular types of planning:

• capital construction, expansion of functionality, infrastructure and production base;
• bank deposits.

Almost all heads of enterprises consider capital construction to be a priority, as this allows the best way to modernize the technical base of production, reconstruct and expand the scope of the enterprise. If there is no need for capital construction, then the most profitable investment may be receiving dividends from bank deposits. Some managers are also considering the option of buying a stake in a developing company, which allows them to direct part of its income to the development of the main production.

In investment planning, any nuances of the economic activity of the enterprise should be taken into account: taxation, climate zone, inflation rate, availability of raw materials base, level of market development, availability of candidates for open vacancies, etc.

The priorities of planning include:

• determining the need for investment;
• drawing up a list of sources of financing, forming a constructive dialogue with investors;
• compilation of the cost of sources of finance;
• calculation of financial efficiency for each type of investment (taking into account the return of borrowed funds);
• drawing up a well-designed business plan.

If you explain what investment is in simple words, then this is one of the most important tasks performed by any enterprise. The company's income directly depends on how profitable the company disposed of its financial resources.

What is crowdinvesting (equity investing)

Most people would like to increase their savings, but do not know how to do it. The main problem they consider insufficient amount of money. But not everyone knows about equity investing. Few have heard what the word investment means in terms of "crowdinvesting".

With equity investing, even a small amount of money can bring great dividends. Crowdinvesting (venture investment) is a big income from a small amount of money.

The essence of crowdinvesting is to invest at the initial stage of development of an enterprise, business, trade, construction, etc. Having invested at the beginning of a project, the investor could subsequently receive such dividends that would be enough for several generations.

This type of investment is not very popular, but with the modern development of innovations, investments in “startups” look quite promising. Free cash, even in a small amount, with the right investment, will be able to show maximum results.

The scheme of investing in crowdinvesting is very simple. The investor studies available projects and invests in the most promising options (acquires shares of selected projects). Therefore, securities that cost a minimum at the initial stage, after the promotion of the brand, grow in price. So, a small amount of money over time brings quite a lot of money.

Basic investment rules

There are many cases where different enterprises with the same investment opportunities achieved completely opposite results in their work. All this is due to the fact that each manager has his own idea of ​​​​investment (what it is, and what investment methods are the most effective).

Different results of investment activity are explained in ignorance of the most elementary rules of financing. Many business leaders may not know even the simplest rules of investing.

From this graph, you can see that at the moment the rating of investments in the Russian Federation is falling

Basic rules for profitable investment:

1. Drawing up an investment project. The investor must thoroughly study the investment potential of the enterprise. He must know how much money the company can allocate for a profitable investment. These funds can be invested only in accordance with the investment project, this money cannot be directed to any other expenses.

1. Comparison of the size of the contribution with the possibilities. It is not recommended to invest working capital of the enterprise (if these investments will greatly reduce the pace of production). You need to invest only free funds, without which the company will continue to work with the same efficiency.

1. Costs should not be comparable to profits. All costs in the enterprise must be justified. If they do not bring any improvements or dividends, then they were disposed of incorrectly. If the enterprise has any additional profit, this does not mean that costs should also increase.

1. Analysis and control of the movement of investment funds. The investor must be fully aware of the possible negative consequences of improper distribution and investment of funds. There are no 100% guarantees in the investment market. Therefore, it is not recommended to prematurely dispose of dividends from investments.

Foreign investment has recently decreased from 75 to 5 billion dollars (approximate indicators)

Main investment options

There are a lot of profitable options for increasing your capital. The following areas are the most attractive for investment today:

• financing for own business;
• financing in someone else's business;
• investing in mutual funds (mutual investment funds);
• investments in banking programs;
• purchase of precious metals, jewelry, antiques, bank coins;
• investments in the stock market;
• investment in real estate;
• equity investment in Internet projects;
• PAMM investment;
• structural investment;
• buying cryptocurrencies;
• investment in personal development and training.

We all save money. A schoolboy saves for a new smartphone, a student for a car, a young family for an apartment (or more often for a down payment for a mortgage), a worker for a vacation, and a pensioner for a funeral. And no matter how tense the economic situation is, the money somehow accumulates. Otherwise, why are there so many iPhones and expensive cars around?

But what most people don't realize is that when the accumulated money is under the pillow, it subtly diminishes. Every night a "savings killer" comes and steals a small part of our savings. And this killer's name is Inflation.

The official inflation rate in Russia for 2015 is almost 13%. But we know that it is not weakly underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely over 20%.

Thus, all our savings depreciate at a rate of at least 20% per year or 1.65% per month. So, now most of the ways of investing do not help to increase your funds, but at least offset inflation a little.

In such a situation, it is very unwise to keep money under the pillow. Any free money should work. But how to invest them as reliably and profitably as possible?

Investing is not that hard.

I think everyone understands what investing is. When investing, you make your funds work. That is, you invest money, expecting to receive even more money in the future.

But we must not forget that investing entails risks. Instead of the expected profit, you can get a loss or even lose all your money.

Therefore, the main rule of investing is risk diversification. According to this rule, you must break your savings into parts and invest them in different investment projects.

For example, let's say your investment portfolio is $100,000. Then you need to choose a few investment instruments that are suitable for you. Suppose you have chosen mutual funds, PAMM accounts and backing and HYIP projects. Now you will need to distribute your portfolio between instruments depending on how much you are willing to risk.

Let's say that you are configured for moderate risks and distribute money as follows: mutual funds - 40%, PAMM accounts - 40%, backing - 10% and HYIP projects - 10%. Now you need to apply the principle of diversification within each chosen way of investing.

That is, you will need to select several different PAMM accounts and distribute your 40% of the portfolio between them. The same must be done with other chosen ways of investing.

In order to comply with this rule, you need to use several tools that can multiply your money. I have selected 12 of the best ones for you.

We compare the 12 best ways to invest.

I not only selected for you the 12 best ways to invest, but also compared them with each other. For comparison, I chose several parameters that I decided to evaluate on a 10-point system, where 1 is the lowest score, and 10 is the highest.

Comparison of the best ways to invest.

The following options have been selected:

• Simplicity. This parameter characterizes how easy it is to understand this type of investment, understand the principle, find a suitable company and make a deposit.
• Yield. Here the average return on investment will be estimated. Most often, this and the following points are interconnected: the higher the yield, the higher the risks.
• Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
• Entry threshold. Shows the minimum amount you can invest.
• Liquidity. Estimates how quickly you can withdraw your deposit, and what losses you expect if you withdraw money prematurely.
• Passivity / activity- this parameter shows how passive this type of income is. That is, 10 points means “invested and forgot”, and 1 point means that in order to get the maximum profit, you will have to spend extra time and effort.

Of course, all my assessments will be subjective and I think that many readers will not agree with them.

1. Bank deposit.

A bank deposit is the most understandable and simple way of investing for an ordinary person. Even any grandmother understands how everything works. After all, even in the Soviet Union, in which there was no investment, people kept money on passbooks. And one of the heroes of the popular Soviet film called on fellow citizens to keep money in savings banks.

All you need to do to make a deposit is to choose a bank and come there with your passport and money. What could be easier? I bet 10 points.

At the same time, the profitability of a bank deposit is not high. At the moment, deposit rates range from 7% to 12.5%. I think this is one of the lowest returns of all investment methods. Deserves 1 point

But you can be sure of the reliability of your contribution. The deposits are insured by the state. Even if you plan to invest a large amount, in order to insure that your bank's license will be taken away, you can break the amount into small parts and invest in several banks. In this case, even if the bank is deprived of a license, and your deposit was less than 600,000 rubles, then you will be compensated for both the deposit and interest. 10 points for reliability.

You can start investing with an amount of 10,000 rubles. This is not much at all, so you can put 8 points.

In most cases, you can withdraw money from the deposit at any time. But if you withdraw money early, you will lose most of the profit. 7 points for liquidity.

This type of deposit belongs to the “put it and forget it” category. All you need to do at the end of the investment period is to come to the bank and withdraw your money. Well, or roll over the deposit. 10 points.

Pros:

• High reliability.
• Availability.
• Low taxes. You will have to pay 35% of taxable income, which is calculated according to the formula: all income minus the refinancing rate.
• Predictability of results.

Minuses:

• Low yield.

Conclusion. This type of investment is more likely not to increase your money, but to somehow compensate for inflation. In any case, if you do not want to risk at all, then this method is better than just keeping money under your pillow.

2. Mutual investment funds (PIFs).

For an ordinary person, investing in mutual funds seems not a very clear undertaking. To understand this, try explaining to your grandmother at the entrance that you are buying shares in the fund of a management company that invests money in assets.

The choice of a mutual fund should also be taken seriously, studying the statistics of different funds. After that, you need to go to the office of the company or its agent. For simplicity I will put 6 points.

The yield here depends on the type of funds and on the approach to choosing a mutual fund. The riskier the investment the fund makes, the higher the potential return is expected, but in most cases it is not high. 3 points.

Reliability also strongly depends on the type of fund. At a time when bond mutual funds are one of the most risk-free investments, investing in venture funds carries very high risks. On average, I would rate reliability at 7 points, because at least you will not be able to lose most of the deposit, as in other ways of investing.

The minimum cost of a share starts from 300-500 rubles per share, which is suitable for almost everyone. 10 points.

I think most people invest in open mutual funds, so in this paragraph we will only talk about them. You can withdraw money from open funds by selling your shares in 1-3 business days. I will put 10 points.

Still, with this method of investing, you will have to spend a little time managing your investments. Of course, the management company will do the management within the fund without your participation, but you will have to transfer money between mutual funds and decide when to sell shares and when to buy. 8 points.

Pros and cons of this investment method:

Pros:

• A large number of assets in which the fund can invest.
• Low entry threshold.
• Relatively low risk.

Minuses:

• Possibility of making a loss in case of an unsuccessful choice of a fund.
• Relatively complex investment procedure.
• An investor should be interested in the stock market.

Conclusion. With a successful selection of funds and proper management of your investments, the profit from the deposit covers inflation and brings a small income. But you need to remember that many funds bring losses to their investors.

3. PAMM accounts.

Brokerage companies have invested so much money in advertising in recent years that only the deaf have not heard about Forex and the tempting prospects of becoming a successful trader. Therefore, it is not difficult for an ordinary person to understand the principle of PAMM investing - to give money to a trader so that he can play on the stock exchange.

You can find a suitable broker on the Internet. At the moment the most popular is Alpari. So I will put 7 points for simplicity and clarity.

Some accounts can bring you more than 100% profit per year, and some drain all your money. But, when using the principle of risk diversification, the income from this type of investment is slightly higher than in mutual funds and is estimated by me at 5 points.

As returns increase, so do risks. When using the principle of diversification, you will not lose the entire amount of your investment, but you may receive a loss. For reliability, I would put 6 points.

You can start investing in PAMM accounts with $10. At the moment, this is equal to 700 - 800 rubles. The amount is small, so I put 10 points.

You can withdraw money at any time within one to two business days. Therefore, for liquidity 10 points.

Investment management takes time. If you do not use automatic tools, then you will have to log into your personal account almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I bet 6 points.

Pros and cons of this investment method:

Pros:

• Low entry threshold.
• Opportunity to build your own investment portfolio.
• Simple investment procedure.

Minuses:

• It is possible not only to receive a loss, but also to drain the entire amount of the deposit.
• An investor should be interested in trading in the foreign exchange market.

Conclusion. This is a very common way of investing, which has gained popularity due to advertising. This way to invest money is more suitable for those people who like the foreign exchange market or who have experience in trading on the stock exchange.

4. HYIP projects.

This type of investment is often referred to as quasi-investment. In simple terms, these are pyramids that accrue profits to participants from new deposits.

It is very easy to invest in these projects. Many of them accept bank transfers and payments through the most popular payment systems. Most often, HYIPs have a legend that explains to gullible investors where the company takes money from to pay such high interest.

It is very easy to make a contribution to such a project via the Internet. But, if you are new to the Internet, it will be more difficult. For convenience, I would put 8 points.

Profit HYIP-projects promise simply cosmic. On average, long-term HYIPs offer to pay 20-30% per month. Short-term ones can promise to double the amount of the deposit in just a few days. 10 points for the promised yield, but in fact it, of course, turns out to be lower.

There is no need to talk about any reliability of deposits. The project can collapse at any moment. Every day 1-2 HYIP projects are opened and the same amount is scammed. Therefore, for reliability, I would put everything 1 point.

I think that in this paragraph and the paragraphs below, we should consider only long-term projects. The minimum amount of entry into them starts from 1,500 thousand rubles. 9 points for a low entry threshold.

In most projects, the deposit cannot be returned. It will be returned to the depositor during the entire investment period with each payment. Therefore, only 1 point.

If you have already invested in one of the HYIPs, then all you have to do is sit and hope that the project will exist and pay. You can't do anything anymore. Completely passive investment deserves 10 points.

Pros and cons of this investment method:

Pros:

• High yield.
• Convenient deposit and withdrawal of money.

Minuses:

• Very high risks.

Conclusion. Earn onHYIP-projects can only those who are "in the know." You need to be able to analyze projects and find those that can generate income. Most people who make money on HYIPs compensate for the loss when investing by attracting referrals.

5. Bucking (investing in poker players).

Almost everyone knows about such a game as poker. At the same time, many understand that successful players receive big money for winning tournaments. But how many people know that most poker players don't play big tournaments with their own money?

That is, if a strong player does not have enough money to participate in the tournament, he turns to an investor (sponsor), who receives a percentage of the prize money if he wins. The player can also have several sponsors who invest in the player and profit from winnings depending on the amount of investment.

You can buy a share from a player only by agreeing on it on specialized forums. For example, on the forum of this site: PokerStrategy.com. To purchase, you will need to personally write off the player. For convenience, I would put 4 points.

The reliability of this type of investment is highly dependent on the choice of players. In addition, when buying a share, you do not sign any contracts and the player may “not want” to give you your share for winnings. 3 points for reliability.

You can buy a share from $10. But only novice players sell so cheaply, to buy a share of a professional, you will need to invest 200-300 dollars. But it's still better to start with small investments, so I put 10 points for a low entry threshold.

There is no such thing as withdrawal of money. You pay a share, and if the player gets into the prizes, you take the profit.

After you have made a deposit, you just have to wait for a positive outcome. You can no longer influence anything. 10 points.

Pros and cons of this investment method:

Pros:

• The possibility of making big profits when a player wins a tournament.

Minuses:

• More suitable for people who understand poker.
• The deal is based only on an oral agreement with the player.
• Usually, players earn more than sponsors.

Conclusion. Rather, backing will suit people who are well versed in poker. It will be difficult for the average person to pick the "right" player.

6. Trust management in sports betting.

Most people treat sports betting like gambling. But professional marques earn a lot and consistently on bets on sporting events.

Many privateers create their own PAMM accounts, which actively attract investors. This type of investment is similar to PAMM accounts in the foreign exchange market.

In order to make a deposit, you need to register on the BetPamm.com trust management platform and select several accounts for investment. 7 points for simplicity.

If you look at the charts of profitability, you will see that the leading privateers increase the funds in their accounts by thousands of percent. Such income should bribe. But on average, the return on this type of investment is much lower and deserves 6 points.

If you use the principle of diversification and invest in several PAMM accounts, then at least you will not lose the entire investment amount due to privateer errors. For reliability, I would put 6 points.

Investing can start with very small amounts. For a low entry threshold 10 points.

You can withdraw money quickly and easily. 10 points.

After investing, you will need to monitor the selected PAMM accounts in order to transfer money between accounts in case they go to a loss or achieve maximum profitability. 6 points.

Pros and cons of this investment method:

Pros:

• Short term investment.
• Self-build portfolio.
• Low entry threshold and the ability to use a demo account.

Minuses:

• The possibility of receiving a loss or draining the entire amount.

Conclusion. This method of investment is very similar to investing in PAMM accounts in the Forex market. But it is not so famous due to the lack of advertising.

7. Startups (venture investments).

In recent years, stories of successful startups have been booming all over the place. Everyone understands how profitable it would be to buy shares of young companies, which in a few years would turn into large billion-dollar corporations.

The first way to invest in a startup is to conclude an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at discounted prices. Yunitskiy's SkyWay can serve as an example of such a startup.

You can also invest in a startup using crowdfunding platforms and startup exchanges. Exchanges do not inspire confidence in me, as I consider them HYIPs (read my ShareInStock review). But many reputable sources call them real companies. When you enter the exchange, you will see audited and verified companies in which you can buy shares. You just have to choose a suitable startup and buy a share in it. For simplicity 7 points.

For the purchase of shares on the exchange, the company will pay you dividends in the amount of 2% to 7% per month. In addition, an investor can sell his shares if the company develops and its shares grow in value. He can also sell shares if they lose value and he realizes that he has invested in a shell company. For profitability 6 points.

You need to understand that startups are a risky type of investment. According to statistics, 70% of them are unprofitable, and 20% of these 70% are just scammers who embezzle investors' money. But even of those companies that are in the top 30%, half of them break up in the near future due to internal problems.

One of the ways to invest in startups is through crowdfunding platforms. Unfortunately, in Russia they are not very developed and the minimum amount of investment through them is quite high. But all the companies represented on the site are subject to mandatory verification. There is also the possibility of investing in startups directly. For reliability 6 points.

The entry threshold for this type of investment is not high. 10 points.

If you decide to withdraw money or redistribute it within the share exchange by selling all or part of the purchased shares, then you will need to sell them on the exchange at a price below the market. The lower the price you set, the faster your shares will be bought. 7 points.

For the most profitable investment, you will have to devote your time. It will be necessary to track changes in the value of shares on the exchange, selling and buying them. There is no manager here, so you have to do everything yourself. 5 points.

Pros and cons of this investment method:

Pros:

• Convenient and simple investment procedure.
• Very low entry threshold.
• High potential return.

Minuses:

• High risks in passive investment.

Conclusion. If you decide to invest in startups, then it is better to use exchanges. You will pay about 5% for withdrawing money, but you will be protected from scammers.

8. Currencies and precious metals.

Surely, among your friends and acquaintances there is a person who, with a smart look, claims that money should be kept in gold (platinum, dollar, pound, yen, etc.). This approach says that a person does not understand investing, but simply uses popular “stereotypes” among the people.

For example, if you look at the dynamics of gold prices, you will see that since 2012 it has depreciated against the dollar by almost one and a half times.

If you decide to do without the services of managers and independently buy precious metals or currency in order to store money in it, then this procedure will not be difficult.

You can buy currency in bank branches, or by using the services of brokers (which will be more profitable than buying through a bank). You can also change currencies using online and offline exchange offices or payment systems.

Precious metals can also be bought from banks. And it became possible to purchase gold using the WebMoney payment system.

Also, do not forget about cryptocurrencies, for example, Bitcoin, which, according to all forecasts, will rise in price in the long term. The purchase of these assets will not be difficult, so I put 8 points.

Buying precious metals or currencies for long-term investment primarily protects you from the depreciation of the national currency. For many countries with weak currencies, this is a reasonable solution. But courses behave unpredictably, so there may not be any profitability. 2 points.

A beginner does not know which direction the course will go in the near future, so his investment is more like gambling. Even if now people prefer to keep their money in dollars, what is the guarantee that oil will not rise in price in the near future along with the ruble?

You can probably protect yourself from the depreciation of the national currency by keeping half of your money, for example, in dollars, and the other half in rubles. So when the rates fluctuate, you will not lose anything, but you will not earn anything either.

Profitability depends on luck and I would bet everything 2 points.

The entry threshold depends on the type of asset and on the method of purchase. On the exchange, 1 lot will cost at least $1,000, and through exchange offices or payment systems, you can change amounts of several dollars. So anyone can buy currency or precious metals. 10 points.

You can sell currency as quickly as you can buy it. In exchange offices and exchanges, this is done almost instantly. Gold is also a highly liquid asset. 10 points.

In general, attempts to influence profits by tracking rates and then selling assets already turns you into a trader. And I would not attribute trading to investing. Therefore, I understand investing in currencies and precious metals as “put and forget”. That's why 10 points.

Pros and cons of this investment method:

Pros:

• Able to protect against depreciation of the national currency.

Minuses:

Conclusion. Buying precious metals and currencies for a beginner is a very unpredictable way to invest money. You can reduce risks and increase profitability either by entrusting money to a manager, or by independently studying trading in the foreign exchange market.

9. Securities.

I think that most people from securities are familiar only with stocks. The most financially literate will probably be able to name more bonds. Only a few know how to invest money in securities.

In fact, buying securities is no more difficult than buying a currency. You also need to contact a major bank or broker. 7 points for simplicity.

When buying securities as a beginner, making a profit is a big question. And, if even a beginner can count on a small income when investing in bonds, then the stock market can bring a loss to a novice investor. 3 points for profitability.

In fact, usually low returns entail low risks, but not in this case. There are high risks in the stock market. 3 points for reliability.

You can start investing with a small amount. The entry threshold starts at about 1,000 rubles. 9 points.

Securities can be sold on the stock exchange in the same way as you bought them. This asset is considered to be quite liquid. I bet 10 points.

Again, if a person begins to manage his securities on his own, then he is already turning from an investor into a trader. Therefore, here we consider only passive investing. 10 points.

Pros and cons of this investment method:

Pros:

• Simple investment procedure and low entry threshold.

Minuses:

• For a beginner, this is a risky and low-yielding way to invest money.

Conclusion. If you have already decided to invest in securities, it is better to contact a professional manager who will manage your funds for a small commission. Investing in the stock market on your own as a beginner is more like gambling than investing.

10. Real estate.

There is one stereotype among people: “ The most reliable investment of money is the purchase of real estate". But do not forget that real estate includes not only apartments, but also various buildings, structures, water bodies, forests, etc.

In general, there is some truth in this, because many people want to save up for an extra apartment by old age in order to rent it out and get a good pension increase. And in which case you can sell it and get a good capital.

You can invest in residential or commercial real estate, under construction or already built, suburban or located within the city. Ease of investment also depends on the choice of the type of real estate.

To invest in residential real estate, you will need to contact a realtor, look for suitable options, draw up a lot of documents and, possibly, make repairs. As for me, the procedure is quite dreary.

If you decide to buy commercial real estate, then the hassle becomes much greater. You will need to keep accounts, pay taxes, manage facilities, re-register energy supply. On average, for convenience, I would put 2 points.

As for profitability, you can receive no more than 1 percent per month from residential real estate with a long-term lease. This is 7-10% per year. The renting of residential facilities by the day turns into work and is not considered.

If you expect to sell it more expensive after a while, then it is far from a fact that prices will rise. In general, for profitability, I would bet 3 points.

Real estate, indeed, has a high reliability. Unless, of course, this is not an object under construction.

Even if real estate prices fall, you will continue to make a steady income from rent. For reliability, I put 9 points.

The entry threshold is high, even if it is a collective property purchase. The minimum investment amount starts from several hundred thousand rubles. I will put 2 points.

It often happens that in order to quickly sell real estate (especially commercial) you have to set a very low price. Sometimes objects cannot be sold for several months. I bet 3 points.

If we consider a long-term lease of residential real estate, then you will not have to spend much time on management. You will need to find tenants once and then collect money once a month. 8 points.

Pros and cons of this investment method:

Pros:

• Clear scheme of income generation.

Of course, here we will not talk about investing in creating a business from scratch, but about buying a ready-made company. Starting a business from scratch is hard work with unpredictable results. An investor is interested in an established business with streamlined processes that brings a stable income.

In order to find a company to buy, you can use newspapers or bulletin boards. But most often, the entrepreneur does not talk about the sale of his offspring, so as not to raise doubts among employees and customers.

Therefore, they prefer to contact broker companies that will sell their business. They also distribute information about the sale among friends and acquaintances.

Once you have found a suitable business, you will need to audit it to make sure that business processes are in order. This whole procedure for a beginner can turn into an insurmountable obstacle. 1 point for simplicity and clarity.

Super profitable businesses rarely sell, so you should count on average profitability. Of course, profitability strongly depends on the type of activity and the quality of management. I will put 6 points.

Many people think that entrepreneurs only sell unprofitable businesses. But actually it is not. The reason for the sale may be: an urgent need for money, disagreements between the owners, loss of interest, lack of time (especially if one entrepreneur has several types of business), etc.

The audit will help analyze the reliability, profitability and prospects of the business. Therefore, the chance of buying a loss-making asset is very small. I bet 7 points.

The entry threshold for this type of investment is relatively high. Yes, there are very small companies, but they cost far from a penny. Buying a profitable business with streamlined cost processes is similar to buying real estate.

Often people join groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I will put 2 points.

If you urgently need money, the company can be sold. If your business is unprofitable, then it will be difficult or almost impossible to sell it. A profitable business is easier to sell, but most often this procedure takes a lot of time. That's why 3 points.

If you manage the acquired company on your own, then turn from an investor into a businessman. Therefore, you will need to hire an executive director who will manage your business. But even in this case, you will have to control it and analyze the activities of the company.

Yes, and you will need to deal with the selection of a manager yourself. That's why 2 points.

Pros and cons of this investment method:

This way of investing money is similar to investing in a business, but with a simpler purchase and management procedure. Again, you do not need to create and promote a site. You can just buy a ready-made project.

The website itself is more of a tool than an asset. The real asset is the audience that visits this project every day. The site owner makes a profit by displaying ads, affiliate programs and other sources of monetization.

To buy a site, you can use the exchange. One of the most popular exchanges in Runet is Telderi.ru. In the list of sites for sale, you can see all the information on projects: audience size, profitability, development dynamics, payback period, etc.

The transaction is protected and follows the rules of the auction, where the site goes to the buyer who offered the highest price. For simplicity, you can put 4 points.

Usually normal sites are sold at a price equal to the income from it for 12 months. That is, if the project brings 20,000 rubles a month, then the fair price for it will be 240,000 rubles.

But in most cases, on such sites, monetization works far from 100%. Thus, after “twisting” monetization, it will be possible to recoup the contribution in 6-10 months. 7 points for profitability.

If the site is made with high quality and promoted only by "white" methods, then such a contribution can be called reliable. Of course, if you want the project to bring you profit for more than one year, then you need to carry out at least minimal work on it. But, for a year or two, the project will be enough without additional investments. 8 points for reliability.

In general, some sites are sold very cheaply. You can find it for 500 rubles. But such sites should not be of interest to the investor.

You can buy as one expensive and high-quality site, as well as several medium ones. Therefore, I do not advise you to start with too small amounts. I will put it at the threshold of entry 6 points.

If the project ceases to be of interest to you or you need money, then you can always sell it on the same exchange. For this I bet 4 points.

When buying a site that will bring you passive income, you can make a profit without doing it at all for a year or two. But, over time, without administration and updates, the project will lose its audience, bringing less and less income. I will put 4 points.

Pros and cons of this investment method:

Pros:

• Convenient investment amount for everyone.
• High investment security.
• You can develop the project, increasing profits.

Minuses:

• You need to have minimal knowledge about sites and how to monetize them, or seek help from an experienced specialist.

Conclusion. Investing in content, information and other similar sites is one of the best ways to invest. This type of investment can easily be turned into a business by working on purchased sites and increasing profits.

Which method do you like the most?

The monetary theory of money says that funds can be directed in two directions: for consumption and for savings. Ordinary saving withdraws money from circulation, creates prerequisites for crises. In addition, when capital is stored, part of its value is lost due to inflation. Investing involves money in circulation, supporting the economy and bringing profit to the investor.

What is investing and how does investing work?

Investing is an economic activity that involves the long-term investment of capital with the aim of making a profit.

Investing is an integral part of the modern economy. In addition to ensuring proper cash flow, thanks to investments, all sectors of the economy are actively developing. For a novice entrepreneur or a group of people united by the desire to create a new project that will benefit humanity and profit for the owners, this is a chance to refuse lending. Unlike a loan, which will have to be repaid even if the venture is unsuccessful, the investment fund received is non-refundable. The investor receives dividends from the company's income or part of the proceeds from the sale of the money.

What are the types of investments

A novice investor should initially know what investments are:

• Deposit account in a bank. Deposits are an indirect investment. The depositor lends his money to the bank, and the bank, in turn, has the opportunity to pool capital and invest in large projects and enterprises. At the same time, for placing a deposit, the investor receives a low, fixed interest rate of capital growth. To invest in a bank account, you do not need to have expert knowledge in the field of finance. It is enough to choose a bank with individually suitable conditions that can ensure the reliable preservation of funds.
• Mutual investment funds (UIF). This method implies already functioning enterprises by a company of shareholders. The percentage of dividends received is proportionally related to the share of repurchased shares.
• Investing in (direct investment). Investing in the development of your own enterprise allows you to receive all the profits from the business. In this case, the profit will depend solely on the investor himself.
• Venture investment. Promising companies at the stage of formation need third-party investments to implement the idea. Venture investments involve buying a share of a company's shares and then selling them when the price rises. Venture investments include investments in websites, startups, HYIPs and the organization of large companies.
• . By purchasing real estate at the construction stage or apartments and land plots in areas and regions where the cost per square meter is constantly growing, you can also make good money. In this case, the income will be the difference between the cost at the time of purchase and at the time of sale.
• Valuable metals. It implies the purchase of gold, platinum, silver or other valuable metals with their subsequent storage until the price rises. This method should not be confused with opening a bank deposit in precious metals. This method of investing may not bring significant profit, but by investing in gold, the investor protects his capital from inflation.
• . This is a popular type of investment. Cryptocurrencies have a high level of exchange rate fluctuations, at which the price of one cryptosign can increase from cents to thousands of dollars. When buying promising coins and tokens at the initial stage, an investor can count on an increase in capital due to the growth of the exchange rate.
• Investing in currencies. Represents the purchase of fiat currencies at a low rate with an upward trend. Income depends on the increase in the exchange rate.
• Investment through trust management. This method implies collective investment and the transfer of investment capital into the hands of a legal entity that pools finances and independently invests in various projects. For this, the company receives part of the profit, and the rest is divided among all investors in proportion to the shares of their investments. This category includes financial investment in an MFI that issues microloans.

Investment goals. Why invest?

Regardless of what field of activity a person is engaged in, as soon as an excess of money appears in his turnover, he becomes a potential investor. At this point, there is a need to protect existing capital from inflation and even get the opportunity to increase income.

Portfolio investment provides the prospect of financial freedom in the form of permanent passive income, in which capital investments work for the investor. To do this, it is enough for the investor to choose passive investment, in which the organization of the work of capital will be in the hands of the manager. There are also frequent cases when timely financial support for start-up projects brought investors fortunes that could cover all living expenses with their heads.

Among the additional goals for investment, one can also single out the maintenance of the state economy or the development of a single idea that can change the world and the life of mankind for the better.

Ethical investing is popular, the main purpose of which is the maintenance of righteous ideas for the benefit of mankind, and not income.

Is it possible to start investing from scratch?

Some types of investment imply the presence of large initial capital and relevant knowledge, others - the investment of small amounts with minimal knowledge (collective investment).

Value investing makes it possible to start an investment activity with a minimum initial capital. It is enough to choose an undervalued, but promising company or currency.

It is also worth considering the possibility of reinvesting small amounts in new projects with its subsequent increase. So, a series of several successful investments allows you to bring investment capital to a new level, which will provide an opportunity to invest in projects that require large financing. The more money is in active circulation, the more the investor's income will be.

How to start investing

Real investment in each area requires detailed study and analysis. Having decided to start investment activities, you should designate the initial capital that can be put into work without harming yourself. Based on the investment capital, the most suitable type of investment is determined. Before investing funds directly, you should study in detail the scope, market features, calculate future income and the risks that accompany it.

For example, investing online in PAMMs or options on the Forex currency exchange does not require detailed knowledge, but you should carefully study the statistics in order to determine the profitability of the activity. All information can be obtained on the Internet.

Risks

Do not forget that investing is always associated with the risk of partial or complete loss of capital. All types of investments can be conditionally divided into low-risk, medium-risk and high-risk.

Low-risk investments are mainly long-term investments, in which investments have low liquidity and carry insignificant risks. This includes investing in currencies, real estate, precious metals and papers, deposit accounts.

The financial institution where the deposit account was opened may go bankrupt. Then he will not be able to return the invested funds and pay interest on the deposit. In addition, the money on deposit is not protected from inflation. With a sharp fall in the exchange rate, the interest on the deposit can only partially cover the growth of inflation, which means that the money invested initially will not bring profit, but most of the investment portfolio will remain.

Property For Sale in the absence of growth or a slight fall in prices, it pays for most of the investment. When investing in real estate, at the initial stage, you should carefully consider the choice of a developer. The cost of such apartments can be up to 30% lower than the market value, but the investor risks getting housing only on paper or in a semi-finished state, which will be impossible to sell and recover the loss.

Investing in securities, metals, currencies and cryptocurrencies have common risks associated with volatility. In the event of a sharp depreciation, the investor may receive nothing or lose part of the invested capital.

Medium-risk investments are able to bring more income in a short period of time, but they have more economic risks and greater losses. This category includes:

• mutual funds. When purchasing shares of shares, it should be taken into account that their value can not only grow, but also fall. Also, any enterprise can become unprofitable, cease to exist and stop paying dividends to its investors. With such an investment, the investor risks losing all the invested funds, since the shares will be impossible to sell or the cost of their sale will be several times less than the purchase price.
• PAMM. When giving away your funds under the trust management program, it should be understood that the result depends on the further actions of the company to which the money was entrusted. They may simply not be efficient enough and unprofitable.

Investing in high-risk projects threatens with a complete loss of capital, but if successfully implemented, the liquidity of such investments is very high.

Investing in your own business involves large private investment. If the business turns out to be unprofitable, and this can happen for reasons dependent on the entrepreneur, then the investment can only be partially covered by selling, for example, commercial real estate or other company assets.

Venture investments, if the idea has not taken root or cannot properly compete in the market and make a profit, they are not returned.

Only social investing (impact investing) and investing in human capital do not carry any risks, but the return on such investments is either absent or possible after a long period of time. If you want to make money, then socially responsible investing is not for you.

Expected profit

High-risk investments can significantly increase income. Investments associated with medium risk often bring an average, but relatively stable income, which is affected only by significant economic changes. Investments with low risk bring a small percentage of return, but the investor can count on the fact that his investment capital will remain almost completely.

The cryptocurrency market can be called a particularly promising area for investment. Cryptocurrencies have common risks with investing in precious metals and papers, but a greater percentage of volatility, due to which they can bring big profits with little investment. For example, bitcoin started trading at a price less than a dollar, and now its value is several thousand dollars. It should also be taken into account that the cryptocurrency market is actively developing and has a decentralized system that excludes political and economic influence from the risk group.

Advantages and disadvantages

conclusions

Investing is an opportunity to provide additional or basic income, as well as to make a fortune and secure a comfortable old age. When investing money, you should definitely take into account that the longer they are in work, the more benefits they can bring. Do not forget that any investment is associated with risks. Therefore, when choosing an area for investment, you need to carefully study the chosen area, pay attention to the previous dynamics and trends.

Smart investment is the key to a highly prosperous future. By investing free money in promising investment projects, you get the opportunity to significantly increase your wealth. What tools are potentially profitable and what profitability they can bring to a novice investor, we will analyze in detail in today's article.

Free money can be invested in these projects:

Sources of investment

The question of where to get free money is asked by those people who are already thinking about their future. As you know, money is not superfluous. Therefore, if you purposefully do not take measures to accumulate capital, then there will be nothing to invest. So where do you get free money to invest?

Consider 3 reliable options:

1. Save 10-20% of salary . This option always works. It is important to determine how much 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 so many options and they are not so profitable compared to investments of 100,000 or more. But you can consider investing small 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 donate the initial capital for a good cause free of charge.
3. Additional income . As sources of additional earnings, one can consider overtime part-time work at the main place of work or short-term options with low pay. Of course, more work will have to be done. But for the sake of generating passive income in the future, it is worth making an effort.

TOP 17 ways to invest free money

So, you have a small capital and you want it to work. Below is a list of 17 working ways where you can invest free money. You just have to adapt them for yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

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

2. Securities

Stocks are one of the most attractive, but also the most risky options. As practice shows, it is better to entrust the disposal of securities to experienced professionals, although they cannot guarantee income. The peculiarity of the method is that the upper ceiling of profit, as well as loss, does not exist. 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 the mistakes that 90% of novice investors make, and.

3. Real estate

A fairly popular method to attach free money. After all, investing means getting the opportunity for quick income and covering mortgage payments with it. However, it must be borne in mind that if the apartment is not rented out for some reason, the money must be paid from your own pocket. In the case when housing is purchased with your own capital, you will receive a stable income with minimal risks. It is most profitable to rent an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to earn on the shares of popular companies, banks and corporations. The options work scheme is built 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%.

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

Option investment is carried out 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 the right choice of 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 the strict restrictions of the franchisor.

Read a separate post, 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 in this there are a number of reasons:

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

With all the advantages, it should be borne in mind that competition in this area is huge.

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

14. Social networks

The topic of making money on public in social networks does not lose its relevance. There are active discussions on the Internet whether it is still possible to make money on your group or 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 organizational skills of the investor and experience in promoting projects.

In any case, dealing with social networks on your own, you do not need a lot of money. With a successful set of circumstances, you will receive a good income from the sale of advertising, with an unsuccessful experience, nothing will prevent you from selling a loss-making group.

15. Education

At the initial stage of a career, it is very important to invest in acquiring knowledge. New skills make it possible to establish oneself as a competent specialist and earn more money for a comfortable life in the future.

16. Structural Products

A stable way to invest savings, which gained popularity in the midst of the crisis and is still in use today. The bottom line is to divide the capital and invest the main share of investments (80%) in bonds and the rest (20%) in futures and options. This combination allows the investor to receive up to 40% return on success, and to remain with their funds in case of failure.

Take a look at the comparison table below (click on the image to enlarge it):

Based on it, we can conclude that structured products have the highest profitability with relatively small investments.

The profit may be higher when it comes to, but it is important to carefully monitor the news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal in order to increase it as a result of Forex trading activities. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. In case of loss, 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 free money. The entry threshold for the listed alternatives is affordable, so you can try all the tools and determine the right one with little or no monetary loss. 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.

All kinds of ways to invest money in order to make a profit are available to every person who has managed to create a certain resource base. The difficulty lies in making a competent choice of a niche and a particular company in particular. In order to save your funds and subsequently increase them, you need to be able to evaluate various investment projects and the selected market segment as a whole.

Profitable investment of funds

Those who intend not only to enjoy the fact of investing their accumulated capital, but also to receive generous interest, should take into account a few simple but extremely effective principles.

The first is income diversification. In other words, there should be several sources that generate. This will minimize the risks that are known to be inevitable in the difficult business of investing.

When forming, you need to understand that in percentage terms, instruments with a high degree of risk should be the smallest share. The main attention should be paid to the most stable areas of investment, which, although they do not bring super profits, are distinguished by a low level of risk.

Main types of investments

If we talk about the effective investment of funds, then you need to initially highlight the key areas that may be relevant for investors:

- Investments in the creation of new production. We are talking about the launch of a new enterprise or the process of reconstruction of an existing one. The latter option is relevant if it is necessary to enter new markets or start the production of any product.

- Investing in someone else's business- the so-called shareholding.

- Expansion of own production and increase of its efficiency.

-Investing in intangible assets. In this case, it is worth understanding the investment of funds in such objects as trademarks, licenses, copyrights, patents, etc.

- Net investment, the essence of which is to acquire a new company.

- Gross investment. We are talking about combining into a single complex of reinvestments and net investments. The purpose of such a maneuver is the acquisition and formation of additional funds for production, which will support the organization's fixed assets.

Investments of funds for the purpose of making a profit may include and work with venture projects, as well as startups.

Don't forget about futures and options.

Also noteworthy bonds, stocks and bank deposits.

It makes sense to invest in precious metals, mutual funds and real estate.

For those who like to take risks PAMM accounts in the foreign exchange market.

In the following sections, some of these areas will be discussed in more detail.

and startups

If you try to highlight the most profitable investments, then you should start from this segment. This type of investment is associated with a fairly high degree of risk. In this case, there will be either a significant profit, or nothing. Various investors periodically invest in such areas, but they initially understand that they can lose all the funds that were entrusted to a particular startup team.

But if successful, the investment will justify itself many times over. For those who wish to test their business flair in this area, there are special startup exchanges, which present various projects that require funding.

Venture investment may also include investing funds for profit in investment funds, which, in turn, redistribute the funds received into various liquid instruments.

There are also accumulative insurance funds that actually operate under a trust management scheme and provide investors with the opportunity to receive a fixed percentage of the invested funds.

PAMM accounts

If we consider the most profitable investments, then you need to deal with the topic of PAMM accounts, since they are able to generate a fairly high income. But it is also worth noting that this method of forming a financial flow is risky. In fact, it is one of the most common investment instruments in financial markets.

Investors in this case receive income from speculative operations that are performed by other persons, to whom the invested money is trusted. As a rule, experienced traders are engaged in trading in financial markets, who offer open trading statistics so that the investor can assess potential risks.

As a result, investing money in order to make a profit in this particular segment implies the choice of a dealing center offering PAMM accounts, as well as a specific trader who will manage the finances entrusted to him. At the same time, such accounts have certain entry and exit rules. These are the following conditions:

The period within which profit is fixed (calculation terms);

The minimum investment amount;

The amount of commission that the trader receives;

Conditions under which funds are withdrawn.

In most cases, investors invest in several positions, choosing traders who have a riskier but more profitable strategy, and those accounts that do not give a large percentage, but are stable.

Bonds

This tool definitely deserves attention. In this case, we are talking about a specific type of borrower's obligations to investors. The role of borrowers is often performed by various companies in need of certain funds. They borrow money from investors at interest for a specified period. In return, investors receive bonds confirming the fact of their investment and the further return of a fixed percentage.

Any enterprise operating under such a scheme guarantees the payment of accepted financial resources with its own property. If we focus on the average, then the interest on bonds will be from 8 to 12% per year. Such an investment tool cannot be defined as the best investment of funds, but it deserves the right to exist, since it has a high level of reliability. As for net profit, it is enough to cover inflation and, albeit slowly but steadily, increase equity.

Stock

Another way to increase financial resources is to invest in securities. By purchasing shares, investors receive the right to own a part of the company to which the purchased securities belong. The essence of earning is quite simple: you need to analyze offers on the stock market and choose the most promising company, which, according to forecasts, should grow. By investing in the shares of such an enterprise, you can count on a steady increase in their value, which means that it is possible to sell securities at a higher price.

But in this case, there are certain risks. First of all, this is a fall in the value of shares, which will mean a loss of money. Another opportunity to say goodbye to invested finances is the default of the company that issued the shares. Therefore, the process of analytics before buying securities must be approached extremely thoroughly.

As another additional source of income in the case of shares, in addition to the growth in their value, one can determine the payment of dividends, which is made by the company annually. Their size is approximately 0.5-1% of the value of the shares.

mutual funds

Considering various options for investing money, you should not lose sight of mutual funds. Their essence boils down to the fact that a certain number of participants combine their financial resources to acquire various assets, including bonds and shares. At the same time, there is a fund manager who, having the necessary qualifications, ensures the competent and profitable investment of trusted funds in current assets.

Both in Europe and in the USA, such companies have long been recognized, and their number is constantly growing. This investment tool has several obvious advantages:

First of all, it is full transparency of all processes. The system implies constant reporting both to the contributors themselves and to organizations that perform the verification function. The reports provide information on operations and transactions involving the fund's assets.

No need to acquire financial literacy for those who invest in mutual funds. Instead of investors, employees of the management company, who, in turn, are highly qualified, will think.

Saving time. An investor who has made a choice in favor of mutual funds does not need to analyze the securities market, delve into the affairs of a particular company and assess the situation.

With such advantages, mutual funds can be safely placed in the category “The most profitable investment of funds”, since they not only provide a stable and fairly high income, but also do not require the active participation of the investor, freeing up time resources for other things.

precious metals

This category of investments should be considered separately, since there are some important nuances associated with it. First of all, it is worth noting that precious metals should be understood as gold, silver, palladium and platinum.

You can buy them in the form of ingots and coins, as well as by issuing a so-called metal bank account.

Considering the prospect of buying bullion, it is important to pay attention to the current Tax Code of the Russian Federation. The fact is that the legislation defines ingots as property, which means that if they are sold, VAT will have to be paid. The surprises do not end there: when trying to sell a bullion to a bank, an investor will be faced with the need to pay 13% income tax.

A more profitable way would be to purchase investment and commemorative coins. Both of them have a fairly high demand and allow you to get a stable growth of capital. In addition, if they are sold, you will not have to pay VAT, although income tax cannot be avoided.

The conclusion is simple: when considering different methods and other precious metals, attention should be paid primarily to coins. But if the investor is more interested in the safety of his funds, then it is better to take the opportunity to open a safekeeping account in a bank.

You can also choose an "impersonal" metal account, which, in fact, performs the function of a deposit, only precious metals are used instead of currency.

You can also invest in securities backed by gold. Do not exclude the possibility of earning on the acquisition of shares of gold mining companies.

Investments in real estate

This direction of investment has allowed many people to earn significant amounts of money. But it is important to understand that such activities require a competent approach, otherwise the amount of capital due to unsuccessful investments can be significantly reduced.

But first, it makes sense to pay attention to the advantages of this method of earning:

When real estate prices rise, you can earn;

Much more profitable than bank deposits, because it allows you to receive income stably and in much larger amounts;

Residential and especially commercial real estate can bring good profits through rent;

There is always an opportunity to increase the liquidity of certain objects by improving their condition (repair, technical equipment);

Owning real estate makes it possible to take large loans from the bank for other investment projects and create new sources of income.

One of the most basic risks in this type of investment is the fall of the real estate market. In this case, the opportunity to profit from the sale of objects is blocked.

A fairly profitable option is to invest in the primary real estate market. You can earn good money selling an apartment in a new building, especially if there are several objects. This is one of the most common areas in which money is invested now. However, they are also associated with some risks. If you are not lucky enough to deal with a bad developer, then the construction of the house will be frozen indefinitely, as well as the money invested in it.

Therefore, before investing in primary real estate, you need to carefully study the reputation and qualifications of the developer.

Results

It is obvious that there are many tools that allow investors to profitably invest their accumulated capital. But each of them must be approached thoroughly, taking into account the possible risks. With a careful and thorough investment strategy, you can use several opportunities at the same time and successfully diversify your income.