Where to invest money: 15 profitable offers to make cash investments

In this article, we will consider the most profitable offers for monetary investments.

The question of where to invest their money and their savings are worried in order not only to save the accumulated capital, but also to increase it. Keeping capital at home is far from the best option, at least because endless inflation leads to the depreciation of monetary equivalents, and the accumulated cash may simply disappear.

The question of investing money is really relevant, because everyone dreams of retirement to live in pleasure, travel around the world, and not to consider a penny that the state pays for many years of work. Even having good income today, without investing money, you, in fact, are depriving yourself of the future. Indeed, at some point you can no longer work, so you should worry about what will bring you income. Yes, and you should never stop there, so we move forward, opening new horizons of investment.

Where it is worth investing: the conditions that must be met when earnings on deposits

This issue must be approached correctly, and before investing your “blood”, it is necessary to study this topic properly. Therefore, before considering the most popular and proven ways of investing money, we propose to study the basic and important rules of monetary investments.

1. Of course, the most important rule is Tube for loans, favor, loans, and make an investment only free money.That is, in other words, this is extra money that you do not need. But then it turns out that only well -wealthy people can afford to invest money to increase them. Therefore, we will slightly expand the concept of this “free” money. To accumulate, you need to correctly dispose of your available income.

Remember-always put off at least 7-10 %, and even better than 15-20 % of your income for accumulation. If your income is small, then the amount will be insignificant. But its systematic deposition after a while will give a tangible result. And without this minimum, you can do if you correctly learn how to dispose of your finances.

Therefore, we offer you to read our article on the topic "How to save money correctly?"

2. You must have Fixed salary.And as insurance and additional income, we do not forget about additional earnings or part -time work. In addition, if you lose your investments or even the main work, you should not be in the red and debt.

And for this, always have a “financial pillow” as a safety insurance. That is, at least 3 and a maximum of 6 months you must have savings for which you can fully live. And for this it is worth carefully calculating all your expenses, but only on the most necessary and important. You can do without a cruise.

3. Never invest all your money in one project! This is an important rule of any investment. Therefore, whatever direction you choose, you are allocating for it no more than 20%.But there is a small division into subspecies of “financial portfolios”:
   1. in Conservative A direction in the form of real estate, precious metals or bonds can be invested no more than 50%
   2. moderate portfolio should not exceed 30%. That is, these are promotions, Pyphics or various business projects
   3. in aggressiveyou should not invest the envelope more than 15-20%. This refers to cryptocurrencies or foreign exchange market
4. Not so much a rule as good advice - Do not immediately spend the profit from investment.It is better to use it to increase the open portfolio or create a new soil for investing.
5. As well as Always follow your capital!This does not mean that they need to be recalculated every day, but do not forget for several years about your investments.

Important: do not forget, the higher the profitability, the more risks!

Method No. 1, where to invest money - bank deposits

The most popular and common way to invest accumulated capital, although it is considered short -natured, nevertheless, has a number of its advantages. The main attractiveness of deposits is their availability. They mainly require only a passport and money with them, and deposits can be In completely different currency.And most importantly - you can start absolutely From any amount.With this type of investment, a person gets rid of the need to store money at home, and receives a percentage of the bank for using his money. The main advantages of bank deposits:

• insurance, What does this method do reliable
• fame about profit. Banks always have a fixed interest rate for each contribution. After calculating it, you can find out what compensation you will receive from the bank
• stability- usually deposits open for several months or years, and at the end of the deadline you will receive the indicated amount back
• easy to manage- Now everything is so optimized that you can manage deposits even in the phone mode
• at any time you can eliminate the contract

The most important disadvantage of deposits remains a small income. Basically, rates do not exceed 20% per annum, even in the largest and largest and most prestigious banks. On average, they have only 8 to 15%. Therefore, too much “earn” will not work. Only if you invest a really large amount. By the way, a small drawback - in the case of premature closure of the deposit, interest is lost.

Conclusion: this is more such a method for storing your money with a minimum percentage of capitalization. And then often tax deductions or inflation can practically eat all the minimum accumulations.

Method No. 2, where to invest money - PIFs

This fund is quite simple. Its secret is that you invest the minimum share in professional portfolios and get small assets. That is, it is formed at the expense of the contributions of all shareholders (no, not land, but monetary savings). But there is a higher percentage of profit than with bank deposits. It is worth highlighting such advantages:

• no special knowledge is needed. Professionals do everything for you - it is they who decide where to invest money
• and you can invest money In a completely different direction.After all, there are no restrictions
• the most significant plus - hard state control and lack of taxes for depositors. Only in the case of the sale of a share and from the side of the investor
• for open funds, fast sale of shares is possible at market value, that is, their Liquidation or transformation into money

The largest disadvantage of such investment is the lack of a guarantee. It all depends only on the chosen fund, and the result can bring as a huge profit to the investor, as well as losses. But it is also worth highlighting such shortcomings:

• even in case of losses, it is necessary make from 0.5 to 5% as a remuneration of the company
• you may need Additional costs of registration of certificates.And this is a little more complicated than when making a deposit
• often managers to repay their expenses throw various Discounts and allowances,that there can be about 3 and 1.5%, respectively, from the cost of the share
• if price reduction begins, then managers do not sell all assets at once, but only part of them. In order to protect yourself from a loss

Conclusion: not the most reliable, but quite a simple way if you do not understand anything in investing. But you can not invest more than 10% of your income.

Method No. 3-we invest in PAMM accounts

This method is more popular than the previous option, but no less simple and even similar. You also trust your finances to the trader who already invests them. You only open the desired account and get interest Without special knowledge.This is the main plus - nothing is required of you.

• But the principle is that the system overlaps big risks Separation of profit and losses between all participantsdepending on your percentage share
• In this case, you can easily introduce and withdraw your funds
• You can follow all real -time transactions
• High Base. Therefore, no one can remove or dispose of your investments
• You can start from several thousand rubles or even tens of dollars
• Relatively high income from 10 to 60%,and there are profits up to 200% per annum
• Rule: always need to be displayed 50% profit

Of the minuses, it is worth highlighting:

• a large number of scammers. Therefore, carefully study the database of traders, choose with half -year experience and with good profits
• sometimes it is necessary to undergo a licensing program, which will pull extra time and expenses

Conclusion: Suitable for beginners if you are not at all versed in cash contributions. But again, do not take a lot of risk and invest more than 10-15% of the money available.

Method 4 with a relatively high percentage of profit - investment in MFIs

This method resembles a regular bank deposit, but has small differences. Microfinance organizations They accept both loans and investments, and interest rate is an order of magnitude higher than in ordinary banks.How this happens: the investor invests money in the MFIs, which transmit to the borrower at high interest. And after the investor receives his income. But this method has many minuses, for example:

• lack of insurance. Sometimes MFIs offer her, but only for your money
• tax payment, which is approximately 13% of the profit received
• high investment amounts, What many cannot afford. Therefore, this method can be considered inaccessible, because The minimum deposit amount is at least 1.5 million rubles.

Perhaps, The only advantage of investing in the MFI is high income. The percentage of the deposit can be from 15 to 60% per annum. Therefore, MFIs, despite high risks, are enormous popular.

Conclusion: If you have extra money, then you can increase it on MFI-investment. But the threshold for the start is slightly overstated. The more, the higher the rate, the longer the deposit period, which means - higher risks. And do not forget that you need to choose only a time -tested company!

Method No. 5, where to invest money is an individual investment account

This is an excellent alternative to bank deposits, but has many of its advantages. This program is supported by the state, so it does not have a negative side. By placing money on such an account, you You are guaranteed to get 13% per annum.At the same time, after the closure of the IIS, you are exempted from payment of income taxes. We also take into account:

• this method of investing is quite affordable, but The minimum deposit amount is 5,000 rubles
• you can withdraw money at any timebut the right to a tax deduction in this case is lost

Among the minuses, one can only note the complexity of the design. You must collect all the necessary certificates with the tax and at the place of your work to confirm the opening of the account. At the same time, your income and tax payment will be taken into account in order to approve its opening.

Conclusion: This option can be called the most reliable and compared with good interest rates. But the terms of conclusion of contracts start from 3 years.

Method No. 6 - you can invest in foreign currency

Storing your savings in dollars or euros is a great way to maintain your savings. Every year they only grow. If the course of the course was observed, then it is completely insignificant. Well, if a person notices any risks for himself and his savings, then at any time he can change the money back.

• It is worth noting that you can save in a bank. True, foreign deposits have very small interest bets - up to 10%
• But do not forget about the fall of the ruble, so you can be sure that Inflation will not affect your investments
• Even more - buying currencies with a decrease, and selling at jumps, you can even earn on the percentage of the "game"
• When storing the currency of the house, the temptation of money is increasing

But there are also disadvantages:

• we repeat, low interest gives the opportunity to earn only on very large amounts
• it is a little more difficult to open and close the contribution than with a normal deposit
• the complete lack of insurance

Conclusion: This method is great for storage and for accumulating its money, since the ruble rate falls. But there are great risks and falls of the currency. Therefore, this option is not much suitable for earnings.

But it is worth noting that to guarantee your funds, it is still better to place money in different currency deposits. And as an option, you can open an account abroad, keeping it in the right currency.

Method No. 7 - investing in gold and other precious metals

it One of the most reliable investments of their funds.Despite inflation, prices for expensive precious metals practically do not change, even during the most serious economic crisis. Moreover, income from investments in precious metals is especially growing during an unstable economic situation. Which will be an excellent guarantee to avoid material losses during the crisis. Gold in the near future will definitely not depreciate. Just because the amount of such metal is limited.

But reselling precious metals is not very beneficial, Sometimes the difference in resale does not even cover inflation. Although the prices for them are growing slowly, but confidently. That is why this type of investment can be called long -term.

Conclusion: this option is more suitable not for increasing money, but for storage, a kind of 3 years or for a period of crisis. Moreover, it is also more profitable to purchase them during the crisis.

Method No. 8 - antiques and art objects as a way of investing

Old and wonderful things have always been and remain in price. Of course, all precious things are very different in price. For example, a picture of some little-known author will cost several tens of dollars, while a really old picture of a very famous artist will cost an order of magnitude more expensive. At the same time, it is worth noting that there is a comparison with gold, After a long period, these investments will bring a very high income.

But to invest your savings in such things, you need to understand the antiques very well,otherwise, you can stumble upon scammers. Although you can really make money on this by buying a precious thing at a low price and it is very expensive to resell it.

Conclusion: you need considerable contributions or great luck to buy a valuable picture from an unknown person. And your investments will earn in 10 years, when temporary rates for antiques increase. Or you just want to save investments for your descendants.

Method No. 9, which works on the investment of money is real estate

This is the most traditional way to invest your funds for a long time.This is a valuable asset for almost any person, because Earning it is quite simple.

• Least It can be rented outand from this to receive a fairly decent income. At the same time, it is worth considering the location, because In small towns, you won’t especially earn premises on the rental of premises.
• And if you choose a resort city, then the delivery of housing, country housewill help to increase your capital even in one season
• They work excellent commercial premises,which can be leased. By type, offices, shops, etc.
• Also, real estate is possible It is profitable to resellbut in this case, there are a number of pitfalls. Here you need to take into account the fluctuation of prices and prospects for the development of the housing market.
• Recently it has become popular to invest money In housing abroad.But people with rather big capital can afford to use this method, because you can wait for the first profit for more than one year.

Flaws

• This type of investment It has a lot of risks.At least you need to carefully check the purity of a legal transaction. If you do not have appropriate knowledge, you should contact a proven real estate company. A thorough verification of documents will allow you to avoid fraud on the part of sellers. To date, the purchase and sale of real estate in a mortgage can be carried out through banks. For example service from Sberbank House-Click.
• Well, the most The main drawback- This type of earnings or investments of their money can be allowed only well -wealthy people. If you are going to take housing on credit, and then rent it out, then you should feel every step. And housing prices in large cities will not start from small amounts.
• Also, do not forget that it is possible to damage property with residents or even natural disasters, which Pull your costs.

Conclusion: stable profit and high reliability, but a very high starting capital is required, in which you should not need. That is, it can be accumulated using other ways, which we examined above.

Method No. 10, where to invest - shares of startups

You can invest your capital in young innovative companies. Once upon a time, Google and Apple were also startups, no one had such a product. And those people who invested their money in the development of these companies became millionaires a few years later. Today, many companies have a huge chance of rapid growth. Therefore, this is also a great option for investing their funds.

• The best way is wait until the company will become popular, Make sure of its success, and at this moment to buy shares of this organization. How to do this, you can ask your broker.
• You can invest both in new companies, with a completely new product in the market, and buy shares of an already held enterprise.
• Investment in the action brings stable income over the years through the organization dividends,but if you treat this business wisely. There are two types of shares:
  • ordinary, in which shareholders have the right to manage the company. But they do not receive stable income, and dividends are accrued depending on profit;
  • privileged- They do not give the right to manage the company. But the shareholder receives a fixed profit regardless of the income of the company.

One of the most important advantages of this method of investing is a high profit, but no less High risk of failure.Therefore, you need to soberly evaluate whether the market is ready for the product that the company provides. It is important to study all the numbers, and not make a decision, based only on presentation or intuition.

• Also do not forget that only a good investment will bring good profit. And each product may require its own bets
• And income is possible only after a certain time, which no year can occupy

Conclusion: the prospects are good, if you are not afraid to take risks, have an analytical mind and very good intuition. But this is one of the most risky options, so we do not add more than 20% of our income.

Method No. 11 - you can invest in your, partnership or ready -made business

A fairly profitable investment that It will be able to work for more than one year and bring more than one thousand income. But for your business, you should have good capital and own certain knowledge in order to start working without loss. It is much easier to start with someone or even invest your funds in a new business of another person.

And you can buy everything ready, but this is a rather risky way to invest your funds. Although It is much easier than opening your business from scratch.Fully finished firms with a running mechanism, employees and clients are sold. Moreover, you do not need to develop a plan, direction or take the first steps.

But in this matter there are a number of their negative points:

• firstly, few people really sell a good business that brings high income. Most often, they try to get rid of the unprofitable enterprise as soon as possible
• secondly, when changing the leader, it is not rare that everyone begins to quit massively
• it happens that after the transaction the new owner discovers that this company is in the black list of suppliers or other counterparties. Therefore, the company simply cannot work

Conclusion: When buying a ready -made business, you need to carefully check all the financial documentation, and this must be well versed or have a reliable partner. It is also worth studying all the accounting, tax returns and conduct an inventory of all property.

And when opening a business, it is worth considering the minimum of competition and the high need for products. And remember the iron rule - always start small! The more you invest, the more you lose. And the business is very risky.

Method No. 12 - Franchizing

This is also a purchase of a ready -made business, more precisely, its variety. But differs in that the franchise gives the right to open a business under the name of the long -known trademark to all.In fact, this is the purchase of the very name of the prestigious company, and the more popular it is, the more expensive the franchise will be. The buyer receives a step -by -step base instruction: how to arrange a room, what standards to work and what to train your staff.

• This has its own big plus, if the company is well -known, then you will not have to promote the business. Accordingly, the profit will be and the business will "not burn out"
• But this solution is perfect for a large metropolis, but in small towns, if the company is not promoted and there is no that flow of people, then the money will be spent in vain

From the shortcomings - Good brands cost a lot of money. If you do not own great capital, then the earnings will be minimal or the company may not advance at all.

Conclusion: big risks and high income, so it is suitable only for those who have a good financial base behind their backs. Or you have a secret plan to promote the brand!

Method No. 13 - we invest in shares!

This method allows you to receive from 10 to 50% profitwhen buying simple auction papers or privileged shares. It has quite different directions, but you need to understand each industry.

• You can start with any amount. But the more contribution, the more profit and guarantees
• You can choose any period of 3 months, but still long -term projects work better
• Protection of their funds from inflation growth. Even if a slight decrease occurs, then it is practically imperceptible

But there are shortcomings:

• and the biggest minus - These are big risks!Even knowledge of a particular field does not deprive you of possible failures
• the recovery of some percent of the broker for cooperation, regardless of winning or losing
• promotions do not give any power! You do not become the owner or owner of the company/project
• You will be paid interest last, after repayment of debts, wages to employees, etc.

Conclusion: great chances to have good income, simplicity, which attracts many newcomers to a cash investment. But great risks, especially because of ignorance of the selected area, are often deprived of investors not only earnings, but also invested money.

Method No. 14, where it is worth adding money-Internet projects

This method is very similar to investing in business. But in the role of assets are sites, blogs, various channels with videos. Income can be obtained from affiliate programs, advertising and paid services. This is a good investment For passive income.At the same time, today the abundance of projects gives a choice.

• Can Open your website,but he will begin to bring income in at least six months. And only after a due visit from a thousand people per day
• They become more affordable Social publics.But you need to know user interest. And the main earnings are based on advertising placement
• Exchangersallow you to get a good income. True, it is worth having a certain site and financial base
• You can promote any Applications for Android.For example, for the sale of bus or train tickets. And at the expense of interest and get your profit

But there are their own and pitfalls

• For example, you can purchase a ready -made working site, and after a while it will fall under the filters of search engines and the money will simply disappear. And without proper knowledge, basically, “afloat” is quite difficult.
• It is very important when choosing a method of investing avoid fraud,therefore, it is worth being careful with tempting sentences that often appear on the Internet. There is Several areas that are better to bypass, for example, online casinos, sports rates, Internet pools, credit exchanges on the Internet, etc. This is just a deception, and the main feature of each fraudster is a promise of a miracle.
• And do not forget that in this area Very big competition,therefore, “burning out” without special knowledge and financial soil is very easy.

Conclusion: Internet projects can bring good income, but they require certain knowledge and constant work. It is worth investing no more than 15-20%, since very large risks that occur due to increased competition and high starting start.

Method No. 15 is the last, but the most reliable option where it is worth investing - in your knowledge!

No matter how trite it sounds, it is precisely you need to invest in yourself. After all, having gained certain knowledge, for example, in the field of where you want to place your savings in the future, you will help you to get around the risks. It is knowledge and experience that will help you increase your wealth, not interest rates on deposit!It is worth noting that they do not always require large investments. Sometimes you can get the necessary skills for free!

Important: but popular Bitcoin/cryptocurrencies or binary options, forex market attracting with big income. But they have the biggest risks and losses! Therefore, we do not recommend investing their savings in them. At least if you want to increase capital! Moreover, the initial rates have now increased, and stability and guarantees remained on the minimum limit.

Before investing your money, you need to correctly and soberly assess the situation, weigh the pros and cons! And of course, pay attention to the risks, based on the amount of the contribution and your knowledge in a particular field.

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