Where to invest dollars per year. Investment leaders: which assets became the most profitable over the year

Greetings! Last year cannot be called boring and predictable: neither for Russia nor for global financial markets.

For the first time in 20 years, the budgets of the oil monarchies of the Persian Gulf have become deficit. The UK left the EU, and the British pound fell to 1985 levels within a month. In December, the US Federal Reserve raised its base rate to 0.5-0.75%. The euro fell to almost parity with the dollar.

Russia agreed to reduce oil production by 300 thousand barrels per day. The Central Bank revoked the licenses of 95 banks. But the ruble strengthened against the dollar by 16%, and the level decreased by half.

What's next? How to preserve capital in a situation of high uncertainty? What to invest in in 2018-2019? For convenience, I divided the instruments by goals: not to lose, to make money on the growth of an asset and/or and to receive income in foreign currency.

Here I included tools with almost 100% reliability. “Almost” - because . All three assets only partially compensate for losses from inflation!

Bank deposits

If your investment horizon is too short for risky assets, you don't have much choice. You will also have to abandon your ideas, so the only thing left for you is banal bank deposits. If you need to try to save your capital primarily from yourself, your loved one, then it is better to open time deposits, without the right to replenish and withdraw (for example, the “Save” product from Sberbank). Such deposits always offer the maximum interest rate. And they are prohibited from withdrawing part of the deposit until it is closed.

The main thing is not to forget about the “limiter” in the form of 1.4 million rubles in one bank. This is exactly how much (and not a penny more) the Deposit Insurance Agency will return in the event of bank bankruptcy.

Reliable bonds

If you have a slightly longer horizon and a slightly higher financial IQ, you will probably be interested in these debt securities. Judge for yourself: the risks of bankruptcy of the state are much lower than the risks of bankruptcy of any one bank, even a large one. Plus, bond yields are almost always higher than bank deposits.

By the way, are you aware that with the money that you leave as a deposit, the bank almost immediately buys bonds and thereby earns the difference in interest without risking anything?

Federal loan bonds are considered the most reliable. Their repayment is guaranteed by the government of the Russian Federation. But it is better to form a bond portfolio from. Fortunately, the symbolic cost of the bond (only 1000 rubles) allows this.

You can only advise something specific if you know your specific investment plan, so below I will give a couple of papers that I think are interesting.

For example, OFZ-PK are bonds with a variable coupon. The coupon size is tied to the average RUONIA rate and is revised from time to time. OFZ-PD fixes the coupon size at a constant level (for example, 6-7% per annum) until maturity.

But I think the most interesting option in 2018 is . The face value of such bonds is constantly indexed to the inflation rate (calculated using the consumer price index for each day with a lag of three months). For OFZ-IN, the coupon is 2.5% per annum above inflation (CPI).

Gold

Stock

Unlike bonds, stocks are instruments with potentially high returns. Experts believe that in 2018 the MICEX index will further increase, the Central Bank will continue to lower the key rate, and oil will rise in price. Against this background, many Russian “giants” have good growth potential.

To make a profit in the future, today you can invest in securities of exporting companies: ALROSA (excellent company performance over the past year), Protek, NLMK (Rosneft is not on the list of recommended companies). Analysts advise paying attention to the shares of LUKOIL and Sberbank, which were undervalued last year (even though it grew very strongly, its p\e is still low).

Some are betting on the rise of electricity companies that have floundered in the past year. The shares of Rosseti and IDGC of the South are of particular interest.

The main idea and advice is to pay attention to companies with growth prospects and.

For example:

• Phosagro (the share price may rise to 3,350 rubles, dividend yield over the last two years amounted to 6.08% per annum)
• "Rusagro" (price is expected to increase to 1,200 rubles)
• Norilsk Nickel (possible rise in price to 12,300 rubles per share, dividends over the past two years amounted to 14.09% per annum)

Abroad, the high-tech sector looks more promising than others: Facebook, Alphabet, BYD Company, Google, Amazon, Netflix, NVIDIA and others.

Own business

Owning your own business is a profitable but very risky option. Initial capital is needed from the first day, and the return on investment can be obtained, at best, in six months to a year. Or not get it at all...

To avoid risking large amounts of money, start with an online project. Firstly, a lot of problems like renting an office, warehouse and logistics disappear. Secondly, the starting amounts here are much more modest than for opening your own.

To receive passive income

Real estate

Real estate generates passive income only when “square meters” are rented out. But you shouldn’t count on millions in profits from renting out ordinary residential premises.

I provide data for 2016 from the SRG analytical center. The average return on residential real estate in St. Petersburg is 7.7% per year (return on investment is 14 years). In Moscow, the average yield is lower: 5.8% per annum with a payback period of 17 years.

Real estate abroad brings even less - up to 5-6% per annum. In some cases, it is better to delegate the decision of all organizational issues to a professional management company. She will look for tenants, resolve issues with ongoing repairs and payments, etc. For this she will have to “donate” 15-20% of the rental price. But - real passive income!

On the other hand, if you have an apartment for rent, you can try rent it out daily(mainly to foreigners) and thereby increase profitability to 10-12% per annum with good occupancy.

To receive income in foreign currency

Of course, to receive income in foreign currency, you can simply buy shares or. This way you will partially eliminate the risk of being left with nothing if the ruble collapses again. But there are other ways.

Eurobonds

Eurobonds boast all the advantages of ruble bonds. Plus they have additional protection against currency risks. After all, that’s why they are “euro”, because they are denominated in foreign currencies: dollars, euros, Swiss francs and British pounds sterling.

Today, Eurobonds of such companies as AHML, Alfa-Bank, VTB Bank, Gazprom, LUKOIL, MTS, NLMK, Novatek, Russian Railways, Rosneft, Sberbank, PhosAgro and Uralkali are presented on the Moscow Exchange.

The average yield on Eurobonds is 3-6% per annum (paid twice a year). The minimum denomination of a security starts at $1000. The main problem with such securities is liquidity. But more about this some other time.

Unit-linked programs

I have already discussed unit-linked programs. Let me remind you: a foreign product combines savings, life insurance and investments. Moreover, you can invest in a bunch of foreign instruments that are not available to private investors from Russia. For example, in the same mutual funds, where entry thresholds through a broker often start at $50,000.

By the way, since 2013, the Moscow Exchange has been successfully trading, which covers a fairly large part of the markets previously available only through foreign brokers.

For some of them, the average annual return from mid-2014 to mid-2016 (in ruble terms) was about 50%. For example, FinEx MSCI USA Information Technology UCITS ETF (shares of the US IT sector) grew by 49.8% per year.

But foreign currency deposits today bring mere pennies (up to 2% per annum). And no one is considered as a serious investment tool anymore.

In this article I have presented only some of the tools available to the average investor from Russia. Remember that only by collecting these kinds of assets can you be sure of achieving the challenges facing you!

What assets do you plan to invest in in 2018-2019? Subscribe to updates and share links to fresh posts with friends on social networks!

Where is the best place to invest money in 2018 – expert opinions. How to make a PERSONAL FINANCIAL PLAN? How to INVEST MONEY CORRECTLY? This article, or rather a series of articles, is not a theory, but a practice through which you can learn PLAN PERSONAL FINANCES and, most importantly, START INVESTING and RECEIVING PASSIVE INCOME.

The main goal of drawing up a personal financial plan is to optimize expenses in order to allocate funds for investment.

If you are once again going to just read the theory, it is better not to waste your time. In articles on this topic we will practice. We've all read Kiyosaki's books, it's time to take action! And within a few years you will have capital that will allow you to receive MONTHLY passive income. And this despite the fact that we are talking about small investments.

So, a few words about why you need a personal financial plan? And about what for investing does not require initial capital. What is needed is optimization of personal finances and financial discipline.

You've probably heard the expression "money goes to money" and you know the classic example of how you can become a millionaire if you give up just one cup of coffee a day and save one dollar a day ($30 a month)!

This “magic” of increasing money happens with the help of different investment instruments!

But for this magic to happen, you need to accustom yourself to financial discipline and learn from each income received, IMMEDIATELY AFTER RECEIVING IT, WITHDRAW 10-15% for further investment!

Kiyosaki was indignant and called it strange that a person “gives” himself the last thing out of his income and not as much as he needs, but as much as remains. And first of all, he is in a hurry to give his money to the hairdresser, janitor, baker, florist, etc.

So: now your rule should be to first of all “give” a piece of money to yourself, and then to everyone else - janitors, hairdressers, florists, etc.

Have you noticed that in different years of life, at different income levels, and with an income of $50, for example, during your student years, and with an income of $200, $500, $1000 and more, YOU SPEND EVERY PENNY. 95% of people do the same with their finances. And only 5% of people (these include the rich and successful) are engaged in investments!

Imagine a fantastic situation if YOU MET YOURSELF just 5-8 years ago and showed these numbers and GAVE YOURSELF THIS ADVICE:

— “Given $500, create your personal financial plan, manage your personal finances, find unnecessary expenses and save just 15% ($75). Invest this money at 20% per annum or more. Invest only in foreign currency to protect your money from inflation."

Now you would have capital(8 years after talking to yourself) - $17,920 (this is more than 1 million rubles.) And monthly passive income would be about $300 (that's about 17,000 rub.), and after 16 years (to achieve a long-term goal) you can have capital more than $100,000.

Don't believe it? By investing just $75 per month you can get $100,000!

Some will say that this is not enough. But practice shows that those who wanted to immediately get big money, for example, on Forex, lost their capital several times over 8 years. And those who studied the question of how to invest money correctly without high risks, after 8 years received 1,000,000 rubles and a monthly passive income of 17,000 rubles.

In the following articles on this topic, we Let's consider investment instruments in foreign currencies at 20% per annum and more. Experts recommend that each person mind his own business and the right decision would be to entrust his capital to professionals. But how to find a truly professional? Important know the methodology for selecting an INVESTMENT ACCOUNT MANAGER.

We will briefly look at this technique, but I recommend that you study the full course of a successful trader Alexey Fedorov “How to choose a trust account manager”. Alexey now lives in Spain, his briefcase included in the TOP 30 best portfolios of the Alpari rating. Managers of the famous publishing house INFO-DVD kindly agreed to provide discount for my readers.

In just one hour, Alexey Fedorov will tell you about the intricacies selection of high-quality managers, and, most importantly, it will show you exactly where to select them and how to create your own investment portfolio that will truly bring you passive income.

GET THE COURSE by Alexey Fedorov “How to choose a trust account manager” >>>

I will be glad if in a few years you write in the comments to this article words of gratitude for downloading this invaluable course of a professional trader. In the training market There are only a few such REALLY WORTH COURSES right now.

In the meantime, let's return to our topic of drawing up a personal financial plan.

How to create a personal financial plan?

If you haven't written down your personal financial plan, then consider that you don't have one. After all, we can say that everyone has the intention or desire to buy a car, an apartment, educate their children, etc. But if you ask someone about specific amounts for these desires and the time frame, as well as what exactly people do to achieve them, the absolute majority will not answer you.

1st stage. Formulate financial goals.

The goals should be:

• expressed in specific numbers,
• be realistic
• have priority
• have a deadline.

For example, goals could be:

• After 3 years, buy a car of a specific brand, year of manufacture, at a price that is current at the moment.
• After 5 years, collect the amount of the down payment to purchase an apartment on credit on the secondary market (or in a new housing complex).
• After 8 years, pay off the debts on the loan taken to buy an apartment, the loan amount is such and such.
• After 4 years, provide a financial cushion in such and such an amount in case of job loss.
• In 10 years, provide education to children at universities.
• In 15 years, provide yourself with a financial cushion for a safe and meaningful retirement.

After formulating the goals, it is necessary to rank them. For example:

• in 1st place may be the purchase of housing,
• on the 2nd - paying off debts (since you will need to take out a loan to buy a home),
• on the 3rd, creating a financial safety net in case of job loss,
• in 4th place is the education of children who will grow up by the time
• in 5th place - savings for old age, etc.

2nd stage. Analyze your assets and liabilities, income and expenses.

It is necessary to record your income and expenses every day, even the most insignificant ones.

Unnoticed and insignificant expenses often make up that “piece” of our income that could be used for investment. For comfort you can use special programs to account for personal finances for smartphones and computers. They are free.

Expenses must be recorded withinseveral months, writing down every little thing. In order to identify unnecessary expenses and get rid of them, saving 15% of your income. To then invest this money.

Eliminate spending on unhealthy items first and then on unnecessary items. For example, you can finally quit smoking, stop buying junk food(sweet water, candies and cookies, stuffed with harmful hydrogenated fats, sugar, chemicals). Don't make impulse purchases anymore, because usually Things bought on emotions are simply not needed later and only clutter the house.

When you record your expenses, you will need to group them, that is, divided into groups such as food, clothing, utility bills. I assure you that it will be very tempting to add the “Other” group, but you should not do this. Usually, this expense item is the biggest one, and you need to deal with it. You also need to structure your expenses into monthly and annual ones.

The purpose of managing personal finances is their future optimization to identify the difference between income and expenses. And to allocate part of the income for investment.

After recording expenses and income, do not forget to find the difference between them. You will most likely be upset because this difference will be close to zero. Therefore, follow Kiyosaki’s recommendation and immediately withdraw a portion for investment immediately after receiving any income. Assume they don't exist. And spend the rest.

It is necessary to analyze the rationality of your life.

For example, a friend of mine, after reading “The Money Quadrant” by Robert Kiyosaki sold my Jeep and bought a Smart. I used the difference for investment and, in addition, got big savings on gasoline. She wondered how she hadn’t thought of this before and spent so many years foolishly spending money on gasoline.

Think Is it profitable for you to rent an apartment?, maybe it’s better to wait a couple of years and “live with your mother-in-law”, investing the money that you are currently spending on paying rent for an apartment. And then use the capital received as a down payment and buy an apartment on credit. Now you will direct the monthly payments that you paid for renting an apartment to pay for your own apartment.

There is another trend, in contrast to the previous reasoning: abroad, the line of unprofitability of buying your own home and your own car is becoming more and more clearly visible. You can read more about this in this article.

3rd stage. Choose ways to achieve your financial goals. Make an investment plan.

Drawing up an investment plan will require specialized knowledge. This is the subject of the following article, from which you will learn where it is better to invest money in 2017 - expert opinions. Looking ahead, I will only say that for different financial goals it is advisable to use different investment instruments depending on the time frame for achieving the goal.

How the longer the term, the more risky the assets, paradoxically, you can afford it. We are, of course, not talking about any risks, like betting. We are talking about riskier investments, such as the stock market, mutual funds, trust management, real estate.

Don't forget that investing, especially to achieve long-term financial goals, should only be in foreign currency.

4th stage. Monitor your financial plan.

Life situations are constantly changing. Your income may decrease or, conversely, increase due to a change in job. You may have new sources of income. It's the same with expenses. There may be some unexpected expenses.

Adjustments to the plan are inevitable, but there is no need to be afraid of them, life itself introduces them.

Example of a personal financial plan.

I wish everyone confidence in themselves and in building their financial independence!

I bring to your attention an interview with Investor and trader Alexey Fedorov. This is an invitation to the most valuable FREE TRAINING CYBERSANT INVESTOR. BASIC COURSE .

The question of where to invest money so as not to lose it is always relevant, and even more so in the context of the economic crisis, which, unfortunately, is still relevant in 2019. The opinions of different experts differ. Each potential investor can choose the most suitable option for himself, based on the possible profitability and risk of loss of capital.

General principles of investing money

Regardless of the direction that is chosen, To minimize the risk of capital loss, adhere to the following rules:

1. For investing, it is advisable to use only free money that remains after covering all mandatory costs. Investing with borrowed funds carries a very high risk of ending up in a debt trap: in case of failure, you will have to pay off from current income, the size of which may not be designed for such costs.
2. You should not plan in advance to spend the income that could potentially be received from investing. If you are lucky, it is better to add it to your fixed capital.
3. Before settling on one area, it is worth studying 2-3 options in more detail. Next, you need to create a flexible plan that can be adjusted if external conditions change.
4. You need to collect the maximum amount of information about the chosen area before parting with your money for a while. It is always worth remembering the possibility of fraud on the part of counterparties. It is necessary to constantly monitor the situation, this will help you withdraw your funds on time.
5. If you have a sufficient amount, investments should be diversified.

Deposit - minimum risk and income

One of the most reliable ways to invest money (at least in order not to lose) is a bank deposit. True, this investment option does not provide the opportunity to count on a large income. This is most likely a way to protect your funds from inflation. The main rule is not to invest more than 1.4 million rubles in one bank. This rule will allow you not to worry about the safety of funds, even if the financial institution is declared insolvent. When choosing a bank, you need to be guided not only by the highest rate. It is better to study the offers of the five largest banks and choose the option that suits the term, replenishment and early withdrawal options. In addition, if necessary, the deposit can be terminated without waiting for the end of the contract. Interest, if there was none

Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂

There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀

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

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

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

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

In addition, you will learn:

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

Sit back and let's get started! The article turned out to be a little long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.

No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).

You should always remember this, because investments can bring both profit and loss!

Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.

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

But in any case, those who do not take risks do not earn money. It is always necessary to take meaningful risks!😉

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

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

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

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

For example, you can distribute it like this:

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

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

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

Investment is all about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

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

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

2. Where is the best place to invest money in 2019 - TOP 15 profitable investment options

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

Option #1: Bank deposits/savings accounts

DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 6% to 8%.

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

How to make money on stock growth - Google example

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

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

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

But naturally, there are many nuances that need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!

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

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

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

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

CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.

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

Option #4: Bonds

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

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

For those who don’t know, a bond, simply put, is an IOU. Only large companies and states can act as borrowers.

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

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

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

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

I would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.

Bonds, just like shares, can be purchased through an individual investment account (IIA) without having to pay income tax (if you purchase them for a period of more than 3 years).

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

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

Option #5: Forex

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

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

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

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

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

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

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

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

In my opinion, one of the most effective trading strategies on day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!

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

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

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

Option No. 6: PAMM accounts, PAMM portfolios, trust management and structured products

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

That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.

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

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

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

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

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

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

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

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

💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.

However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.

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

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

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

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

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

I would like to tell you a few words about the so-called “structured products”.

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

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

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

Here is an example of structured products on Alpari:

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

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

Option No. 7: Own/partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you hundreds or even a thousand percent of income!

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

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

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

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

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

As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«

Read about how to find your favorite job/work of life.

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

Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?

Here are some more useful tips:

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

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

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). This is exactly where I started! 🙂

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

Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.

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

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.

Read more about how to organize in a separate article!

CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!

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

Option #8: Mutual funds

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

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

Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive profit or loss.

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

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

Profitability of mutual funds for 11 months

However, mutual funds do not provide a guaranteed profit, unlike bonds and deposits; there are also often unprofitable periods.

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

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

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

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

CONCLUSION: Mutual funds can be considered as an alternative to brokers, who also invest money mainly in the stock market. Provided there is no crisis, they usually also bring good profitability.

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

Option No. 9: Microfinance organizations (MFOs)

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

The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum period in MFOs is usually 3 months.

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

If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.

⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.

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

Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀

And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉

CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.

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

Option #10: Precious metals

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

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

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

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

Gold prices - chart

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

The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.

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

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

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

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.

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

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

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

Moreover, while cryptocurrencies are showing a steady growing trend.

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

For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!

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

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

Option No. 12: Internet projects (online business)

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

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

The following directions are currently popular:

1. Websites. Information websites are created and filled with unique content.

With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very large, since the topic of the site determines how much income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.

But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.

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

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

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

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

For example, if a person follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.

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

But in this case, experience plays the main role, without it you can’t go anywhere!

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

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

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

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

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

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

❗️ For example, applications for selling airline tickets are quite popular; here you can receive quite decent affiliate commissions from airlines.

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

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

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

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

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

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

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

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

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

Option #13: Venture funds/investments

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

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

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

But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.

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

Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .

There are basically several ways to invest money in startup projects:

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

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

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from $500,000)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible return.	(+ ) It is not always necessary to invest large amounts of money at the start of a project.	(- ) Very high risks, most starting projects turn out to be unprofitable.	(- ) Fraud is widespread - investment platforms can turn out to be financial pyramids.

Option #14: Art objects

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

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

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

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

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

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

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

Option No. 15: Knowledge and personal development

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

It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.

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

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

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

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

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

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

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

3. Golden rules of proper investing - TOP 5 tips

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

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

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

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

Second— try to invest most of your funds (40-60%) in assets with the lowest risk; the optimal choice between profitability and risk, in my opinion, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.

Believe me, this is an already tried path on which hundreds of millions of rubles have been lost!

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

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

Fifth- before investing your earned money in any specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.

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

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

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

In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!

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

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

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

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

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

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

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

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

— Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try investing in almost any of the instruments described in this article.

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

Or alternatively:

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

5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud

At the end of the article, we’ll talk about something equally important: how not to lose your money and how not to fall for scammers.

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

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.

Both on the Internet and in real life, people often come across “super profitable” projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payments, very favorable conditions, etc. - all if only people would invest their money.

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

Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money on the investments of gullible people.

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

Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.

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

I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (it’s not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

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

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

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

Let me emphasize once again that, in my experience, the most profitable investments are investments your own business And knowledge !

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

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

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

RBC assessed the return on investment of private investors in 2017. Which assets became the most profitable and which were the most unprofitable in 2017?

Over the course of a year, RBC calculates the profitability of ten investment methods. For calculations, we take the amount of 100 thousand rubles. and evaluate how much you can earn by investing this money in the most popular investment objects. At the end of the year, five instruments showed positive dynamics, the remaining five showed negative dynamics. The most profitable asset was deposits in euros. The lowest returns were demonstrated by shares. Next year the situation may change.

On investments in mutual funds (the RBC sample includes the ten largest open-end mutual funds by assets) one could earn an average of 7.22% of the investment amount per year. Positive dynamics were shown by bond funds (their yield was 7.69-13.7%) and stock funds (with a yield of 2.95-6.07%). At the end of 2017, only one fund from the sample turned out to be unprofitable - the mutual fund “Sberbank - Eurobonds”: over 12 months its share fell in price by 0.44%. The most profitable was the Reserve bond fund (+13.7%).

“For the last two years, the bond market has been a bonanza: against the backdrop of a reduction in the key rate of the Bank of Russia and a stable ruble, bond prices have increased. Next year, the Central Bank plans to further reduce the rate, which will lead to an increase in bond prices. Therefore, they will remain profitable,” says Otkritie Broker analyst Andrey Kochetkov.

At the same time, the increase in bond prices in 2018 may be more modest, since the key rate, according to experts, will occur at a lower rate than in 2017 - by about 0.75 percentage points. in a year. Let us recall that in 2017 it decreased from 10% at the beginning of the year to 7.75% in December, that is, by 2.25 percentage points. “Next year, shareholders of bond mutual funds can count on a real return of a maximum of 10%,” says Nikita Emelyanov, head of the analytical department of BKS Management Company.

The fall in prices is primarily due to a decrease in demand for real estate as an investment, says Tatyana Shkolnaya, deputy director of the Institute of Tax Management and Real Estate Economics at the Higher School of Economics. “Population incomes are decreasing. People now buy apartments because they are needed for living, and not for investment,” explains the specialist. According to her, those who decide to invest their funds prefer to place them in a bank deposit, which brings a stable and higher return than buying a living space.

Next year, according to experts, real estate investments will not become more attractive to investors. “Even if rates on bank deposits are reduced, this will not significantly change the situation with investment in housing in terms of its attractiveness,” says Tatyana Shkolnaya. According to Tatiana Polidi, executive director of the Institute of Urban Economics, apartment prices can begin to recover only in the second half of the year and only if the macroeconomic situation improves. “If the macroeconomic situation is stable for at least six months, incomes begin to increase, and mortgage interest rates become even lower, then somewhere in the second half of the year we could expect the housing market to intensify,” says Polidi.

Stock

The least profitable long-term investment this year was investments in the Russian stock market: the Moscow Exchange index (formerly MICEX) fell by 7.8%.

According to Bogdan Zvarich, senior analyst at Freedom Finance Investment Company, this market dynamics is primarily due to unfulfilled expectations regarding the easing of the sanctions regime after the election of Donald Trump as US President. “Moreover, tougher sanctions are expected,” he notes. According to the expert, the drop could have been more significant, however, the persistence of high oil prices held back the Russian stock market from a deep drawdown: since the beginning of the year, Brent oil futures have risen in price by 14%.

Dmitry Postolenko, manager of Capital Management Company, also considers unfulfilled expectations associated with an improvement in the political situation to be the main reason for the market decline. ​Postolenko expects the Moscow Exchange index to grow by 10-15% by the end of 2018.

Zvarich believes that the Moscow Exchange index at the end of 2018 will be 2.1-2.5 thousand points (now the index is about 2.1 thousand points). According to the expert, high oil prices will cover the risks associated with sanctions against Russia. According to his forecasts, a barrel of Brent oil will remain within the range of $55-60 per barrel throughout the year. “As for internal factors, growth of the economy as a whole is expected in the financial sector against the backdrop of a decrease in the cost of funding. And the growth of household incomes will stimulate the retail market,” says the expert.

With the participation of: Alexey Mitrakov