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What is passive income and how can an ordinary person create it? How can you live only on the interest from your investments and never work again? Read about all this below.

1. What is passive income

Passive income- this is a permanent and stable source of income that does not require any time investment (or it is minimal)

The main idea of ​​passive income is to create eternal sources of profit for yourself and then receive money from them on an ongoing basis. That is, we created something once and then we don’t do anything to receive funds. For example, the work we are all familiar with is an active source of income, since payment is made only when the employee goes to work. Therefore, you need to constantly waste your time.

The simplest example of passive income is renting out an apartment. You are paid monthly rent. In order to receive this money, no further action is required from you.

The sooner you think about creating passive income, the more opportunities you have. You will be able to accumulate more funds faster and more to implement your plans. Most of us dream of creating financial freedom for ourselves and no longer working, but doing what we love.

Benefits of Passive Income

For example, you can put money aside in a bank deposit every month and save a good amount over the course of a year. Over 3 years, this amount will be even more substantial and perhaps even a percentage of it will be enough for you to meet some needs.

3.1. The accumulative effect of compound interest

In mathematics there is such a thing as compound interest. Simply put, this means that over time, your savings begin to grow not linearly, but exponentially. This can be easily achieved by reinvesting the income received.

My wealth is the result of a combination of several factors of life in the United States, good genes and the accumulating effect of compound interest. Warren Buffett

For example, if we deposit 1 million rubles at 10% per annum, then in a year the amount will be 1.1 million rubles. After two years, the account will have an amount of 1.21 million rubles. In the second year, capital increased by 110 thousand rubles, and not by 100 thousand rubles, as in the first year. Even in such a short period of time, it is already noticeable that capital is beginning to work for us even more efficiently.

I agree with those who say that this is insignificant. However, if we take a calculator and calculate what will happen in 10 years, in 20 years, it turns out that the effect is already huge.

To double the original amount of money at a constant interest rate of 10% per annum, it will take not 10 years, but only 7.25 years. It will take 11.5 years to triple.

• Develop your financial literacy. To do this, read books about investing, trading, and the philosophy of wealth. You can start with Robert Kiyosaki and continue with specialized stock market literature.
• Create new assets regularly. Look for new opportunities, they are always there.
• Create multiple sources of passive income. You shouldn't get attached to just one.

3.3. Rules: how to become rich from scratch

There is a basic set of rules that everyone who wants to become rich should follow. They are not at all complicated and anyone can do them:

1. Pay yourself. As soon as you receive your salary, first of all set aside some of the funds for yourself (at least 10%). Most often, the population, on the contrary, pays off debts and spends money, and saves what remains. This is a habit of poor people, eliminate it from your life.
2. Save what you put aside. This rule implies that the funds set aside cannot be spent.
3. Increase your money. It is necessary to invest money in reliable assets in order to constantly increase your capital. We will talk about sources of passive income below.
4. Save what you have multiplied. It is best to reinvest the profit received so that your savings grow faster. There is no need to invest money in dubious and overly risky assets.
5. Create multiple types of assets to minimize your risks. Whatever your total reliable income is, it will be even more reliable if you distribute your money among several such sources.

4. Sources of passive income

There are many sources of passive income you can create. It all depends on the individuality of each of us. We all have slightly different knowledge, skills, capabilities, wishes, so only you can decide for you what exactly to do. We will only consider in detail the basic options for stable sources of money. We will focus on a mathematical basis to calculate how profitable each source is.

How many sources of passive income you will have is up to you to decide. I can only say that the more there are, the more reliable and wealthy your life is. Therefore, follow the Pareto principle: 20% brings 80% of the result. Make small efforts across different industries to reap the biggest benefits.

4.1. Bank deposit is a reliable source of passive income

A bank deposit is the most popular means of saving and accumulating funds among the population in Russia. The interest that banks offer is certainly not as high as we would like, but nevertheless, this is really the most reliable way to slightly increase your capital in the absence of any action.

There are a lot of offers on the bank deposit market. Each bank offers its own range of deposits. If you spend literally 10 minutes, you can choose the most profitable one for you. Don’t be too lazy to do this, because there are always lucrative offers in banks where the yield will be slightly higher (at least by 1-3% per annum).

There is no need to worry about the funds being lost. All deposits are insured by the DIA in the amount of 1.4 million rubles (including interest). There is no point in putting exactly 1.4 million rubles in one bank. It’s better to put in a little less to insure the accumulated interest. For example, if we are talking about a rate of 8% per annum for a year, then it would be logical to deposit the amount of 1.29 million rubles and sleep peacefully (at the end of the term the deposit will have 1.3932 million).

The return on the deposit varies due to the economic situation. You should check the relevance of the information. As of 2019, you can find deposits with a maximum rate of 8.5%. In more reliable banks at 7% per annum. These are almost the smallest deposit rates in the modern history of Russia. Previously, there were always offers at 10-12%.

• Investment reliability (amount insured by DIA)
• Predictable income
• No action is required from the investor
• You can invest any amount
• There is no opportunity to “break out” and spend money, because... it is necessary to terminate the deposit agreement and then the accumulated interest will “burn out”

• Low yield
• It is impossible to close the deposit ahead of time without losing interest
• You cannot store substantial amounts of more than 1.4 million rubles in one bank due to the risks of its closure

I also advise you to partially store your money on debit cards, which give interest on the balance. These cards also give you cashback on any purchase. I use these cards myself:

• Tinkoff. 6% per annum on balance. Amount up to 300 thousand rubles. You can transfer any amount to a special savings account at 5% interest.
• Benefit (HomeCredit Bank). 7% per annum on balance. Amount up to 300 thousand rubles.

To summarize, we can say that it makes sense to have some part of the money on deposits, because... it is a liquid and reliable asset.

4.2. Renting out real estate

Real estate has always been and will be in trend among investors. Such purchases can be visually seen and felt. However, their profitability is extremely low, but first things first.

You can make money in real estate in two ways:

1. Rent
2. Resale

For passive income, the first option is considered, since the second method is more risky and requires a constant search for new good offers on the market.

The following types of real estate investments are distinguished:

• Residential (apartments)
• Commercial (garages, office premises, warehouses)
• New buildings (investments in the construction of new facilities)

Large investors buy commercial real estate more often, since the yield from renting out non-residential premises usually brings more profit, and also does not require any repairs. However, this situation arises only during favorable periods of the economy, when GDP is growing steadily and inflation is within acceptable limits.

It is difficult for an ordinary person to buy commercial real estate due to its high cost. Objects vary, but usually a good location costs 3-5 one-room apartments. Therefore, many would rather choose the option of purchasing 3 apartments than one such property.

Since 2014, the economic situation in Russia has been quite difficult. Real estate prices are not rising. Therefore, many who invested in commercial real estate are now at a loss. Residential prices also fell, but with slightly less losses for the investor.

The rental yield is a modest 4-6% per annum. This is even less than on bank deposits. At the same time, there are still risks of damage to property by tenants and periodically you will have to invest in repairs (rarely, but such moments still happen).

Real estate will rise in price over time, but you can hardly count on it, since this is an extremely long process. For its value to increase, there must be economic growth in the country as a whole. Otherwise, due to salary cuts and high inflation, no one risks taking out a mortgage (most apartments are bought on credit), even with low rates.

• High reliability
• Real estate can actually be seen with your eyes, which is very important for many people
• Stable rental income
• An excellent option for risk diversification

• Low yield
• Low liquidity (when selling, you will have to look for buyers at the average market price, plus another 2-3 weeks to complete the transaction)
• There are overhead costs for maintaining the property
• Large investments (real estate costs several million rubles minimum)

4.3. Investments in securities

The securities market is traditionally considered one of the most profitable options for increasing money. Returns on average are at the level of 8% -20% per annum, provided that you act on the “buy and hold” principle. If you engage in trading, you can significantly increase these numbers and get 30%, and even 100%.

High profitability and greater liquidity allow you to quickly and efficiently manage your capital. Anyone can enter the market, and all it takes is a small investment. I would recommend entering the market with amounts starting from 100 thousand rubles.

Hello, dear readers of the financial magazine website! Today we will try to answer the question “Where to invest money”. After all, the difficult economic situation in the country’s economy makes us constantly worry about our own financial resources.

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

Detailed instructions: where to invest money so that it works and brings monthly income

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

Of course, many of us are far from politics, the big economy and government methods of management, but this does not deprive us of the opportunity to study the experience of successful people, review expert advice, determine the best way to invest money to generate income. Such a detailed review of the situation will help determine the most profitable area of ​​investment money at the moment.

From this article you will learn:

• Where to invest money in 2019, so as not to lose— expert advice;
• Where to invest money to earn money (so that they work) at a high interest rate with a guarantee - the basic principles of investing money;;
• Let's look at where you can invest money in Russia + real ways to invest money depending on the amount of money.

Rules for investing money

1. Where to invest money so as not to lose - 5 basic rules of investing 💎

So, how to invest money so as not to lose it and what needs to be done to make it work and generate income? On our website we present the site 5 rules of investing which need to be taken as a basis. They will be a kind of " reference book”, which will help you take the most correct actions to preserve and save money.

These rules were developed through acquired experience and have proven their effectiveness over many years.

Rule #1. Free money

This is the first rule, which states that only those funds that are available after fulfilling all basic obligations and needs can be invested (invested), that is, we are talking about those not taken on credit/debt, etc.

Never take money to invest on credit or duty. It is worth understanding that a subsequent unsuccessful investment can lead to bankruptcy and limit the possibility of returning funds at the appointed time.

In addition, an incorrectly calculated economic budget for your own family will cause additional difficulties for you. After all, sometimes everyday problems that arise require an urgent solution.

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

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

Rule #2. Regular income

When investing your own money, it is important to realize that you can only count on the money that you manage to earn in the usual way, without resorting to the results of investments. We have already written in the article about where you can earn money without investments.

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

Rule #3. Investment plan

Draw it up in advance, defining clear parameters. Consider all your possibilities and methods, try to choose 2-3 types of investment. At the same time, it is important to understand that the actions you plan can be adjusted taking into account the changing economic situation in the country. That is, the investment plan must be flexible and relevant.

Try to ensure that all available funds are not invested in one single project (investment method). Investing money in several projects will be most effective. Even if in some area it is not possible to achieve profit (there will be a loss), then other types of investment will correct the situation.

Rule #4. Don't waste your profits

This rule says that the money you earn should form and increase your capital. Many experts advise to quickly withdraw the money earned from investing in other investment objects.

Form your own investment portfolio and look for the most profitable new sources of investment.

Rule #5. Control your money

Try to take an interest in the movement of your own funds and assets as often as possible, paying attention to even minor nuances. This will allow you to avoid many mistakes and problems, and will also allow you to make the right decisions on investing your money.

In addition, you should be very careful about dubious And super profitable investment proposals. Carefully check all possible information on these types of investments.

It should not be forgotten that cases fraud have become significantly more frequent and it is not always possible to immediately determine the veracity of a company’s/person’s intentions.

Make inquiries about the company that plans to cooperate with you. Look through various reviews online and study the experiences of other people who have a history of investing in it.

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

By remembering these simple rules, it will be easier for you to navigate your own capabilities. It is worth understanding that only a thorough study of the situation and the proposals received will help you become a more competent investor.

We are used to trusting the words of our friends, parents, and relatives, but the situation changes daily and yesterday’s profitable investments can result in today’s risk of loss. That is why you should count on your own financial literacy .

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

• main- This is the money that is spent on buying food, clothing, and paying rent.
• cumulative - it is approximately 10% from the amount received. Here, expenses are expected to purchase a car or go on vacation.
• working– the entire remaining amount, which can be disposed of at your own discretion. It is this that is the source of future investments.

As you can see from the diagram, there is little money left for investment, but it is this money that can increase significantly with the right approach.

Even if a situation arises in which you come across a very profitable project, but you don’t have enough of your own funds for it, try to find other investors/co-investors. By joining forces, you will create a common fund, which in financial language is called pool, thereby giving a start to the business itself to obtain higher interest rates.

These situations are not uncommon and people very often strive to find like-minded people who have a reserve of money. The general idea can provide incentive, and the capital collected can provide a good return.

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

Sometimes it seems that the word itself Investment“implies a large financial sum that is difficult to find immediately. (Our article “” will help you). That is why we try to put banknotes in a box, keeping them at home until better times.

In fact, this position incorrect , because any free money should work for you, attracting new financial resources. If we talk about such a method as preserving and increasing capital with the help of a bank deposit, then the initial investment amount can be 1000 rubles.

It's important to just choose the right one bank deposit and the terms of its use. Read about what they are in a separate publication in our magazine.

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

Firstly , teach yourself to save. Try to shop wisely, creating your own benefit. We recommend reading the article - + expert advice"

And secondly , save monthly10 % from the income received for preservation. Thus, you will create a clear structure for the distribution of funds and in a few months you will achieve your intended result.

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

3. 13 ways to invest money so that it works and generates income 💸

Let’s try to consider the most current options for investing your own money, identifying their advantages and disadvantages.

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

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

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

Method of investing money No. 1 - deposit

You By replenishing your deposit, you work to increase it, and bank, taking funds, carries out a lot of operations that give him his own benefits.

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

You can choose the most optimal deposit for yourself either independently or with the help of a consultant, who always focuses on the offers that are relevant at a given period.

Another significant advantage this method can be called deposit insurance, introduced recently in connection with the regular bankruptcy of credit institutions. Now your contribution is equal to 1,400,000 rubles subject to compulsory insurance, and therefore subject to return in any case by the state.

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

Despite these positive aspects, there are also significant minuses . Thus, initially the smallest percentage of all investment methods is set for invested funds and can be from 0.1% to 9%, which varies depending on the terms of the proposal put forward.

In addition, the unstable financial situation in the country leads to constant depreciation of funds(inflation). But, even in this case, your small profit will allow you to avoid significant losses, keeping your capital at the same level.

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

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

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

Reliable banks include: For example, such giants of the banking sector as Sberbank, VTB, Rosselkhozbank and some others.

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

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

Bank reliability ratings change slightly over time. But the first 3 (three) jar almost always are in their places, since these are large banks with state financial support, that is, reliability is at the highest level in the country. Here you can choose a deposit with replenishment, capitalization of interest, as well as extension. You can read about that in one of our publications.

Method number 2. Investing in mutual funds

People who are a little familiar with stock exchange, shares, bonds and working with securities prefer to invest money in mutual funds (UIFs).

In fact, this combination only sounds complicated, but has a simple basis. It represents collective investment of funds and their further management. All money is collected into a general fund, and then, with the help of a professional manager, is directed to the chosen method of use.

The principle of operation of mutual funds

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

Important! By investing money in mutual funds, we get the opportunity to acquire those stock, bonds, gold or currency, which have fallen slightly in price, but are able to gain their positions in the future, determining good growth and a significant share of profit.

To achieve such an ideal situation, specialists in investment funds must have an excellent understanding of the economy not only at the level of their country, but also in the whole world. It is important to master the basics technical And fundamental analysis, view news feeds and be able to respond correctly to constant changes.

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

Thereby, advantage investment fund is that at any stage you are provided with maximum support and various options for investing funds from which you can choose the most optimal.

There is no need to immediately dive into all the subtleties and nuances, study the methods daily, it is enough to trust your funds correctly. In addition, you can gradually delve deeply into the actions being taken by independently purchasing additional shares of the same organization.

It is worth understanding that the activities of any management company are subject to constant control by the state, and this already gives you confidence in honest cooperation.

It is precisely such strict measures in the legal field and legal issues that ensure the protection of our investment rights as shareholders.

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

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

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

Even if the fund is recognized bankrupt , then your property invested in this investment will be prohibited from being put up for auction by law. If necessary, you can always request the results of an independent audit, which is carried out daily. Thus, with the help of a registrar, the fund’s own rights to invested shares and all property are recorded. And every year, the company’s accounting department is audited.

Negative side This method can be called one’s own indiscretion, when a young, untested specialist who gets down to business “let’s you down” and your expectations.

It is quite difficult to check its actions in advance, so there is a risk of losing accumulated money.

The only right decision You may want to know a lot more about the mutual fund in which you are planning to invest. Try to analyze the situation, look for reviews, read forums, and insure yourself.

Method No. 3. Purchase of real estate

Investment method No. 3. Purchase of real estate (office, residential, etc.)

This method has always been the most effective for investing money. It is worth understanding that purchased real estate (apartment, etc.) almost never loses its price. We have already told you how to profitably buy an apartment and in a separate article.

Over the next few years, its value will gradually increase. Sometimes this happens in sudden leaps, often simply by a systematic increase, but it always gives its owner the opportunity to find himself in plus . We wrote in more detail about, as well as the pros and cons of this method of investing, in a previous article.

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

An example of an apartment that can be purchased for rent starting from 20 thousand rubles per month in a large city

The rented space of two such objects costs several times more than one area consisting of 2 rooms.

Also, a small square is easier to repair, giving it a presentable look, and furnishing it with your own furniture. If we use the language of numbers, then renting the purchased room will bring us 10-20% per annum, which will maximize the return on investment through 6-8 years, and after that the period of receiving net profit will begin.

But renting an entire apartment only brings 5-7% per annum and this is a longer period for returning your funds. In addition, the existing method of daily housing rental provides the most profitable prospects, but entails the need for constant work on searching for living people, And repair, the implementation of which will become more frequent.

You will need to ensure not only the best conditions, but also the prestigious location of the room in the area. Investing your own funds in housing has mass benefits . This includes stability, the possibility of further residence and return of the invested money at any convenient time.

It is worth understanding that sell property you can always. (For information on how to do this quickly, read the article - ?). Plus you can easily give your square meters, hand over them by inheritance or bequeath to a specific person.

Disadvantage This method must be taken into account the high cost of the object and the difficulties in completing the transaction. So it is not always possible to easily collect the amount from 500,000 rubles, and even a loan taken from a bank imposes a lot of obligations on you. But having money on hand is not a guarantee of a successful result.

In the modern world there are many schemes used scammers when selling a home. And your initial belief may later turn out to be a lie.

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

For information on types of real estate investing, watch the video below:

Method number 4. Precious metals

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

Over time, prices for this instrument may, as grow, so fall, but for the most part they provide the owner of the precious metal with profit. It is not difficult to purchase it even on the day of application.

If the transaction occurs in an impersonal form, then VAT in fact sales or purchases will not be charged . But the formation of metal into an ingot involves payment of tax for added value in the amount 18% (VAT).

In addition to gold, it is actively sold silver, palladium And platinum. In fact, the investor’s entire income is generated by the increase in the cost of precious metals on world markets. If necessary, accounts can be replenished with the monetary equivalent of the value of this investment instrument.

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

Advantages of this method is that it protects savings from inflation, protects the owner in case of any unstable economic or political situations in the country. In addition, it can be seen here high liquidity use, that is, a quick transfer into cash, as well as a stable increase in the value of it.

Gold, as a precious metal, is always in price. The price of gold is subject to slight fluctuations, but over the long term it increases in value.

From shortcomings can be called the need to create special storage conditions, purchase And sale is made only through the banking system, and the increase in capital gains occurs at a slow pace.

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

Firstly, it is important to purchase precious metals during the most favorable period. Try to identify the main price decline.

Secondly , it is worth understanding that such investments pay off only in the long term.

AND, thirdly, when starting the main actions, try to study the market in advance, understand the peculiarities of production and consumption of each metal, and also analyze expert forecasts.

Acquiring gold gradually depletes gold reserves, allowing the price to become more expensive over a period of time.

Method No. 5. Business

Investment method No. 5. Business creation and development

Creating and developing your own business, as well as purchasing a ready-made project, involves special risks in the initial stages. In general, of course, the area of ​​investing money is considered profitable, but achieving such a result can be very difficult. We have already written about this in our issue, which provides detailed instructions on how to open, what to look for, and also provides popular business ideas as examples.

Important not only initially correctly calculate the amount of investment, availability of staff, purchase of goods And other expense items, but also take into account the rental of the premises, the traffic of the planned location, and even the cost of the average bill, which gives reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt original plans. This presence of competitors, bad relationships with suppliers, equipment modernization, changes in Russian legislation, and much more.

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

Under such conditions, as well as competent management of affairs, you can not only receive a good income, but also be confident in its consistency.

Negative side this method is called absence 100% guarantee. Your invested funds may, in the end, not only not be returned, but will also impose special obligations to eliminate debts incurred as a result of activities.

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

We wrote about it in more detail and detail in our previous material.

Method number 6. Purchase of securities

Investing in such instruments becomes profitable in the long term. Their main types in your portfolio can be called stock, bonds And Eurobonds.

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

Let's look at each acquisition in more detail.

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

Main advantage such an acquisition can be considered a huge profit based on the increase in its price. The entire storage and control scheme for such papers is now in electronic form, so it is very convenient to use.

Also, when working with securities, many companies open their controlled companies in offshore zones (“offshores”). we already wrote in our previous issues.

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

"Bonds" their owners increase their capital gradually. Its growth occurs at a slow pace, but makes it possible to become stable. In the overall portfolio of securities, they are most likely acquired for diversification, that is, expansion of the assortment.

They reduce risk and are suitable for those users who can expect a long period of increasing their initial funds.

"Eurobonds" issued most often by corporations and governments in foreign currency denominations. The starting bid for their purchase is 1000 dollars.

Main advantage This method of investing lies in the cost difference between currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.

Flaw of this method is that it is very difficult to choose the right ones on your own stock or bonds into your briefcase. You will definitely have to resort to the opinion of professionals and experts.

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

Method No. 7. Private lending (P2P lending)

Another method that is now most widely used. This is a method in which money is provided to the borrower under special conditions. It is important to draw up a contract correctly and evaluate everything risks And losses, study the personal data of the person with whom you will work.

Yours advantage consists of high profitability. Providing credit obligations from one individual to another for a short period allows you to receive up to 50% per annum. But the disadvantages of this method are also serious.

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

Method No. 8. Buying currency

This method of investing can be carried out both with the help of banks (banking institutions, branches, etc.) and by attracting brokerage companies to trade on the Forex currency market. One of the best brokers is " ForexClub".

If In the first case you just need to provide a document proving your identity, then in the second— a special agreement is signed, which initially may carry additional risks. In one of the articles in our magazine you can find out what you need to pay attention to when...

That is why it is important to choose the right specialists who have significant experience in this field of work. The most popular currencies today are: U.S. $, Euro, Japanese yen, Swiss frank, And english pound sterling.

Main advantages Some points can be mentioned in this method.

Firstly , the increase in profit is achieved in 100% and more, which allows you to increase your initial capital, getting richer every day.

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

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

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

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

Yes, experts advise to instantly increase your starting capital, invest in dollar or Euro.(we wrote soon in the last issue, which provides advice and expert opinions).

If it is a priority for you safety of funds , despite the difficult political situation, turn your attention to pounds or Swiss frank.

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

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

Method number 9. Investment in art

This is one of the stable ways not only save your funds, but also significantly increase them. To do this, it is important not only to really understand art, but also to attend special events, selecting your future buyers.

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

The first and significant plus working with masterpieces is very simple purchasing procedure works. There are no special formalities, licensing, or special checks. The investor selects a future purchase from a catalog or by directly visiting the gallery itself. They tell him the price for the canvas he likes according to the established price list.

If necessary, an expert is brought in to confirm the authenticity of the work. Such a specialist can be provided either by the organization itself or from a circle of personal preference. The work you like is carried out through a purchase operation and handed over to the investor.

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

But against the backdrop of these advantages, we can also highlight a number of disadvantages . Let's start with the fact that this market has low liquidity. Auctions are held with frequency 1-2 once a year, and the sale itself may take from 6 to 18 months.

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

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

In addition, sometimes it happens that a period of rising prices is replaced by its stability and waiting for a long time the owner may simply make a small profit. Even at well-known auctions and trades does not exist 100% anti-counterfeit protection. Often the staff of experts there is very limited and it is not physically possible to check all works of art.

Many experts advise taking this method of investing capital very seriously. Try to provide yourself with the best possible methods for checking works for authenticity, and involve those employees who will give a guaranteed result.

It is worth understanding that only a painting that has not been put up for sale for a long time and spent it in one collection has a serious chance of increasing its value.

Method No. 10. Internet projects

With the development of modern technologies, this direction is becoming increasingly popular.

Way to invest money No. 10. Investing in the Internet - projects

At its core it has 2 region, which may be of interest to both a novice investor and an experienced specialist.

Firstly, the World Wide Web allows you to create web resources of an innovative nature, which are regarded as startup. By the way, we wrote in our last article.

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

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

Let's look at each direction in more detail to understand how profitable it can become later.

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

Next, specialists are brought in who are capable of bringing the idea to life, and your task is to exercise control at each stage of the work. Later, a scheme is formed according to which this business project is actually implemented and tested.

Your investment is returned back with recoil . The amount of profit received depends entirely on the degree of elaboration of the created Internet site and its attractiveness for future owners.

Second case has a more common onset and is beneficial for a number of reasons. You can create your own business on the Internet even with a small capital.

You save on retail areas, warehouses, staff, but you have the opportunity to gain access to a wide range of users and engage in implementation at a convenient time.

Investments in this type of activity less risky than creating a business in reality. But the development of this direction and the increase in initial financial sources completely depends on your employment, interest and intentions.

Third way attachments funds through the space of the World Wide Web is also associated with doing business, only by people who are able to prove the effectiveness of their start. There are many platforms on which people post their projects with a specific description of costs and profit levels.

Investing in websites. An example of selling a website from the Telderi exchange. The lot indicates average monthly income and expenses and other information for buyers (investors)

They offer you to invest in it, promising a certain share of shares, from which you can later receive income or earn money for their sale. Such obligations are formalized using a special type of agreement, worked out by specialists.

Investing in Internet projects- this is an area that should be studied especially carefully, because it is impossible to predict the result in advance. Of course, there are risks here.

And perhaps disadvantage This method can be called unpredictability. Experts have calculated that from 10 offers nominated for consideration only 4 capable of becoming profitable .

Method No. 11. Binary options

This is the fastest way to make a profit on invested funds. It is based on two components: ability to take risks and clear detailed study economic situation.

Method No. 11. Investing in binary options

Your task is to to provide a correct forecast for the price of the asset being used. For example, it is most convenient for a person to work with stocks. By purchasing an option on them, he bets that, for example, in exactly one day their value will become significantly higher than what is currently indicated.

After the specified time, the result is evaluated. If the assumptions are confirmed, the profit margin will fluctuate from 65-85% . This is a significant increase in invested capital.

But don’t forget that you may not guess right. Exactly then gets lost 80-100% rates. We have already written in detail about options in our issue - “What they are and real reviews from beginners.”

At first glance, it may seem that generating income in this way is just a game of chance. Actually this is not true. It is worth going a little deeper into the created system, and you will begin to make more correct predictions, and this, as a result, increases the chances of a favorable outcome of the bet.

Investing in binary options, it is worth considering that they have mass benefits.

Firstly , the trading instruments that will be offered to you have a wide range and provide the right to a huge choice. So anyone, even a novice investor, can work with both standard currency pairs and precious metals, shares of various companies, oil and other assets.

Secondly , your level arrived and possible risk predetermined. In general, you can calculate in advance how much money you will be able to receive as a result of a positive outcome of the case and what you can lose if the situation is handled incorrectly.

Some trading platforms offer their consumers to independently set the percentage of the future outcome.

For example, by setting the numbers 80/70 , you lose 80% of the bet without guessing it, or gain 70% of the initial capital.

Third , easy access is always provided to any interested investor at any time of the day. That is, there is no need to download and install additional programs, go through levels of control, or somehow confirm your individuality.

All you need to do is go to the official website of the trading platform and you can track the results, place new bets, and analyze the situation. In addition, all trade continues every minute, no breaks on weekends, holidays or at night. Thus, your desire to start making money on your invested money can come true at any second, you just need to find some free time.

AND, fourthly , the trading interface is created in such a way that it will be understandable on an intuitive level even to the most uninitiated beginner. All intermediate price fluctuations of the instrument you have chosen are recorded, giving only the final result for the time you set.

There are 2 main principles here: CALL UP is a buy transaction (profit from rising prices) and PUT DOWN is a sell transaction (income when prices fall). Despite so many advantages described, it is worth understanding that binary options, like any other type of capital investment, may have some disadvantages.

Let's list some of them. So, the only failure you make can take away up to 90% invested capital. And sometimes this can be a very significant amount, and to get it back it takes approximately 3-4 successful transactions.

In addition, it is not permissible here in advance break deals or give them up. Even if you understand the error of your actions, and the worsening prognosis constantly confirms your guesses, you can only hope for a miracle, expecting the final result.

Also, the program itself assumes the absence of loan obligations. That is, you can invest only the free funds you have available. On the one hand, this is even good, because, as a rule, a novice investor enters excitement and is able to spend more than he originally intended.

But, on the other hand, there are some types of transactions or stability of the economic situation, when a positive result can be predicted in advance, and this can lead to significant earnings.

Only at this moment there is very little money in your account. Working with binary options can not only save your investment, but also significantly increase them, you just have to correctly understand the situation and study in more detail the scheme of working with each tool.

Method No. 12. PAMM accounts

This is another way to manage your finances, which allows you to entrust your personal savings to a specialist. We talked in more detail about how to open and select a PAMM account for investing in one of our articles.

Investment method No. 12. Investing in PAMM accounts

It’s worth immediately understanding what the difference is between a mutual fund ( Mutual Fund) And PAMM - account.

If in the first case the manager has full access to your funds and can dispose of them at his own discretion, without incurring liability even in the event of losses, then the second option only requires the presence of a deposit, which can only be handled through coordinated actions.

PAMM account intended for trading, concluding transactions, but only technologically. Moreover, all funds provided for investment in this account can not only be checked at any time, but also the actions of the manager can be stopped at any time.

Main advantages depositing money in this way are:

• Opportunity to earn money significant profits through the skillful actions of a specialist. As you know, such accounts provide access to the most highly profitable investments.
• Minimum investment threshold. Some such accounts may start with an amount of 100 dollars and that is why they become not only attractive, but also accessible to a large circle of people.
• Full control . Thanks to the automated system, the account holder can easily and quickly analyze the activities carried out, and all calculations are performed automatically.
• Easy choice of manager. Throughout all work processes, not only its statistics are published for each PAMM account, but also the history of operations, which makes it possible to easily view the current situation, contact your manager and, if necessary, replace him.
• Portfolio formation. As in the situation with mutual funds, risks are always possible. That is why it is necessary to insure yourself by creating several accounts with different assets.
• Liquidity of operations. At any time, if necessary, you can not only enter your funds, but also withdraw them. The entire operation takes no more than a day, but gives the owner confidence that there is control and even the most complex transactions can be stopped during the period of their implementation.

Method No. 13. Investing in yourself

This is another way to invest money. It is considered very beneficial in the sense that even the smallest knowledge gained by attending courses can become a serious platform for further starting.

In general, this type of investment has 3 main directions.

1. Health

Even if it seems in your own 18 years, you do not have problems in this area, rest assured that they will appear without proper attention. And your condition in adulthood depends on how well you take care of it now.

2. Appearance

This is constant work on yourself. In order to be perceived normally, you need to monitor clean clothes, own scents, skin, nails And hair.

Of course, there is no need to constantly visit expensive salons and spend all your money on procedures, but making appointments when your appearance looks like a fat, greasy cat is also useless.

Try to get involved in sports to have a beautiful figure and a toned stomach, take care of your hairstyle, and especially undyed hair roots, sign up for manicure and pedicure treatments.

Monitor your skin condition in a timely manner and at least purchase the necessary creams to help fight wrinkles, pay attention to your wardrobe. Try to select good quality items for him in a strict business style. Don't forget to wash and iron your things on time.

3. Knowledge

Fulfillment of the first two main points entails further personal growth. Now it is important to read books of various types, gaining something important for yourself.

Make it a habit to read daily at least 50 pages . Sign up for useful courses, trainings, visit presentations (for example, such as “ ”, etc.), try to communicate with new interesting people.

If you have the opportunity to watch a training video, take advantage of it. Plan a trip to another country or city, choose excursions with which you can study history and various types of architecture.

Believe me, there is nothing educational about visiting a beach or a bar. Besides, it’s good to get into museum , theater , movie ,Botanical Garden or even zoo .

Investing in yourself – this is knowledge, experience, skills, and the ability to apply the entire range of acquired skills in practice at the right time for you. It’s not for nothing that wise people said: “You can’t carry knowledge on your back, and you never know what information will be useful to you today.”

7 principles of investing to make money 📋

We wrote above about where you can invest money with a guarantee, so we also suggest that you familiarize yourself with the principles of investment.

Basic principles of investing money at a high interest rate with a guarantee of income

Principle 1. Long-term perspective

Imagine a situation in which the market, which has become so familiar to you, simply closed and it was decided to resume its activities only in a few years. Where would the money be invested?

Try to think ahead without resorting to daily quotes, the mood of other investors, or fluctuations in the cost of raw materials and finished products. So, for example, let’s take the purchase of shares in a well-known company “ Coca Cola" Even at the time of its conquest of the market, they cost 40 dollars.

The increase in the price of sugar in those years caused the value of the security to fall to its minimum. A stir was created in which they were sold for almost nothing, but today we understand how profitable these purchases became then. Agree that this is an excellent example of where you can invest money to make money. The shares of another company can offer you such a prospect, buying gold , antiques And even apartments .

Principle 2: Careful examination of the financing instrument

Before you give away even a small amount of your hard-earned savings, try to do an in-depth analysis of the chosen method. Talk to those who are already working in this field, consider their experience. This principle particularly applies to such areas as mutual funds, work on stock markets, PAMM accounts.

Principle 3. Own opinion

It is not enough to just have information, even collected very carefully, it is important to be able to cut off everything unnecessary and look at the prospect in the future.

Try not to succumb to pressure from others, develop your character by determining your outcome and the result of your investments.

Principle 4. Know how to stop

Sometimes it happens that work in one direction ceases to be profitable and there can be many reasons for this.

Consider other options, look for more promising investments, learn to close unnecessary pages.

Principle 5: Take your time

When completing investment transactions in the modern world, we rely mainly on the help of the Internet. It seems and more efficient And faster. But this position is initially incorrect. It's important to understand in subtleties and nuances, determine the outcome of the case and only then make a decision.

After all, the question of where to invest money at a high interest rate with a guarantee requires taking into account all the outcomes of the event (from receiving large losses to receiving a decent income).

Principle 6: Pick winners

It is worth understanding that even against the backdrop of a difficult economic situation in the country, there are companies that give good results and develop very steadily. The investor’s task is to find access to its shares and get them for the success of his business.

Principle 7. Think about tomorrow

This principle of investing is that even if you are very lucky today, you should not stop there, withdrawing all your money to buy expensive things.

Continue your business, look for new sources, tools, methods, collect your portfolio. Only this method of action will lead to a stable positive result.

5. Where to invest money to receive monthly income - 5 useful expert tips 💡

We wrote above where to invest money in order to receive income every month, so we suggest that you also read the advice of experts who have experience in investing.

Since when we earn our money, we try to not only save, but also increase, and in conditions of crisis, lack of stability and a difficult economic situation in the country, a feeling of fear arises, accompanied by a sense of loss.

So, expert advice on where to invest money in order to earn money and not lose it:

Expert tip #1. Try to minimize the risk for part of your investments as much as possible.

Separate from the total amount of capital 30% and give yourself a guarantee that they will invested without loss. In this way, experts believe Bank deposit, purchase of art objects, purchasing gold bars, precious metals And real estate.

The main point of the advice is that no matter what happens next, you will be able to save the starting amount, and, if possible, also earn money from it.

Expert Tip #2: Create a Recurring Passive Income

If this is your principle, pay attention to buying stocks or bonds, and securities in general.

By the way, even buying your own square meters, which you then rent out, will also allow you to receive a monthly income. You can read more in our article - ideas and sources of passive income"

Expert Tip #3: Diversify Your Investment Methods (Diversification)

It is important to understand that keeping all your money in a single project is very ineffective; diversify your investments. That is why, having ensured stability, try to find a profitable area of ​​business or become a co-investor in a business that, in your own opinion, will be very profitable.

Expert tip #4: High-yield investing

For economical And thrifty people, this method of investing capital should become the most extreme, because in essence it is associated with big risks . Your use of mutual funds or PAMM accounts, and even more so binary options, will allow you to instantly receive income and will also put your entire initial capital at risk.

Expert tip #5. Check the information

Before investing your money, you need to carefully and scrupulously study the investment object. Make sure that the expected profitability is correct; perhaps you are being offered to invest in an object with questionable profitability.

6. Where not investing money so as not to burn out - the main mistakes of investing 📛

Despite many warnings and a huge amount of information on the Internet, people who want to invest their own money make a number of mistakes that lead to undesirable results.

The very first and most important The point is that newcomers give away their finances at random, agreeing with the arguments of friends, relatives and even third-party representatives of the World Wide Web. Of course, the probability of receiving income still remains, but it decreases to a minimum.

Second mistake can be called an emotional state. There are often cases when, inspired by the example of a friend, a person tries to imitate his behavior, repeating every step of investing, but without a clear calculation and pre-thought-out prospects, instead of increasing funds, we receive them loss .

Another wrong move is considered a rush. People are in a hurry to choose an investment instrument, as well as in the desire to get the first results. As everyone knows, profits don't grow on trees. That is why it must be expected. Give yourself time to understand the intricacies and subjects, learn to act systematically.

Real examples of investing money for profit - ways to invest from 100-500 thousand rubles to 1,000,000 to earn

7. Where is it better to invest money to make money - real ways + examples of investing a small amount of money to make a profit 💰

Even the smallest earned capital already becomes the object of further thought. It is like a small door that opens the way for you to the world of big investing.

So, let's consider it advantageously, starting from a small amount to 5000 rubles and ending 1 million.

Index funds allow you to earn income from investing in the stock market completely passively. For example, if you invest in a fund based on the S&P 500 index, your money will be invested in the overall market, and you won't have to worry about how to manage your money or whether to sell or buy shares of certain companies. All these points will be managed by the fund, which forms its investment portfolio depending on the state of a particular index.

You can also choose a fund that covers any index. There are funds involved in various business sectors - energy, precious metals, banking, emerging markets and others. All you have to do is decide for yourself that this is what you want to do, then invest the money and relax. From now on, your stock portfolio will run on autopilot.

1. Make videos for YouTube

This area is developing very quickly. You can make videos of absolutely any category - music, educational, comedy, movie reviews - anything... and then post it on YouTube. Then you can connect Google AdSense to these videos, and automatic advertising will appear in them. When viewers click on these ads, you will earn money from Google AdSense.

Your main task is to create decent videos, promote them on social networks and maintain a sufficient number of them to provide yourself with income from several clips. Shooting and editing a video is not that easy, but once done, you will have a source of completely passive income that can last for a very long time.

Not sure you'll succeed on YouTube? Michelle Phan combined her love of cosmetics and drawing with making videos, gained more than 8 million subscribers, and now launched her own company with a capitalization of $800 million.

1. Try Affiliate Marketing and Start Selling

This is a passive income technique that is more suitable for owners of blogs and active Internet sites. You can start promoting any products on your website and receive a fixed fee or a percentage of sales.

Making money this way is not as difficult as you might think because many companies are interested in selling their products in as many places as possible.

You can find partnership offers either by contacting manufacturers directly or on specialized websites. It is best if the advertised product or service is interesting to you or matches the theme of the site.

1. Make your photos profitable online

Do you like photography? If so, you may be able to turn this into a source of passive income. Photo banks, such as and, can provide you with a platform for selling photographs. You will receive a percentage or flat rate for each photo sold to a website client.

In this case, each photo represents a separate source of income that can work over and over again. All you need to do is create a portfolio, upload it to one or more platforms, and that's where your active work will end. All technical issues of photo sales are resolved using the web platform.

1. Buy high-yielding stocks

By creating a portfolio of high-yield stocks, you will receive a source of regular passive income with an annual interest rate that is much higher than the interest on bank deposits.

Don't forget that high-yielding stocks are still stocks, so there's always the possibility of capital overvaluation. In this case, you will receive profit from two sources - from dividends and return on invested capital. To purchase these shares and complete the appropriate forms, you will need to create a brokerage account.

1. Write an e-book

Of course, this can be quite a labor-intensive process, but once you write a book and publish it on marketplaces, it can provide you with income for years. You can sell the book on your own website or enter into a partnership agreement with other websites that are similar in theme to the book.

1. Write a real book and get royalties

Just like writing an e-book, there's a lot of work involved at first. But when the work is completed and the book goes on sale, it will become a completely passive source of income.

This is especially true if you manage to sell your book to a publisher who will pay you a royalty on the sales. You will receive a percentage of each copy sold, and if the book is popular, these percentages can add up to significant amounts. Moreover, these payments can last for years.

Mike Piper of ObviousInvestor.com recently did just that. He wrote a book, Investing Plain, which was sold only on Amazon. The first book became so profitable that he created a whole series. These books total .

1. Get cashback on credit card transactions

Many credit cards offer cash back ranging from 1% to 5% of the purchase price. You still go shopping and spend money, right?

Such bonuses allow you to provide yourself with a kind of passive “income” (in the form of reduced spending) from actions that you perform anyway.

1. Sell ​​your own products online

The possibilities in this area are endless: you can sell almost any product or service. It could be something you created and made yourself, or it could be a digital product (software, DVDs, or instructional videos)

For trading, you can use a specialized resource, if suddenly you do not have your own website or blog. In addition, you can enter into a partnership agreement by offering goods to sites on relevant topics or using platforms like (American marketplace for selling digital information products - editor's note).

You can learn how to sell products online and earn quite a lot from it. This may not be completely passive income, but it is certainly more passive than a regular job that you have to go to every morning.

1. Invest in real estate

This method falls more into the category of semi-passive income, since investing in real estate involves at least a small level of activity. However, if you have a property that you're already renting out, it's mostly just a matter of maintaining it.

Additionally, there are professional property managers who can manage your property for a commission of approximately 10% of the rent. Such professional managers help make the process of receiving profits from such investments more passive, but they will take part of it.

Another way to invest in real estate is to pay off a loan. If you take out a loan to buy a property that you will rent out, your tenants will pay off that debt a little each month. When the full amount is paid, your profits will increase dramatically, and your relatively small investment will turn into a full-fledged program for quitting your day job.

1. Buy a blog

Thousands of blogs are created every year, and many of them end up abandoned after some time. If you can acquire a blog with enough visitors—and therefore enough cash flow—it can be a great source of passive income.

Most blogs use Google AdSense, which pays once a month for advertising placed on the site. To provide additional income, you can also enter into partnership agreements. Both of these income streams will be yours if you own a blog.

From a financial perspective, blogs typically sell for 24 times the monthly income the blog can generate. That is, if a site can earn $250 per month, most likely you can buy it for $3,000. This means that by investing $3,000, you can receive $1,500 annually.

You may be able to buy the site for less money if the owner really wants to get rid of this asset. Some sites contain “eternal” materials that will not lose relevance and will generate income years after publication.

Bonus tip: If you buy such a site and then fill it with fresh content, you will be able to increase your monthly income, and you will be able to sell the site again after some time for a significantly higher price than you paid when buying it.

Finally, instead of purchasing a blog, you can create your own. This is also a good way to earn money.

1. Create a website that sells

If there is a product that you know a lot about, you can start selling it on a specialized website. The technique is the same as when selling a product of your own making, except that you do not have to deal with the production itself.

After some time, you may find that you can add similar products. If this happens, the site will begin to generate significant profits.

If you can find a way to ship products directly from the manufacturer to the buyer, you won't even have to get your hands dirty. This may not be 100% passive income, but it’s very close to it.

1. Invest in real estate investment trusts (REITs)

Let's say you decide to invest in real estate, but you don't want to devote any attention or time to it. Investment trusts can help you with this. They are something like a fund that owns various real estate projects. The funds are managed by professionals, so you don't have to interfere with their work at all.

One of the main advantages of investing in REITs is that they typically pay higher dividends than stocks, bonds and bank deposits. You can also sell your interest in the trust at any time, making such assets more liquid than owning real estate on your own.

1. Become a passive business partner

Do you know a successful company that needs capital to expand its business? If so, you can become something of a short-term angel and provide that capital. But instead of giving a loan to the owner of the company, ask for a share of the shares. In this case, the owner of the company will manage the work of the company, while you will be a passive partner, also taking part in the business.

Every small business needs a source of referrals to support sales. Make a list of entrepreneurs whose services you use regularly and whom you can recommend for cooperation. Contact them and find out if they have a system for paying for referrals.

The list could include acquaintances: accountants, landscape designers, electricians, plumbers, carpet cleaners—anyone. Be prepared to recommend the services of these people to your friends, relatives and colleagues. You can earn a commission on every referral just by talking to people.

Don’t underestimate referral programs in the professional sphere either. If the company you work for offers bonuses for referring new employees or new clients, take advantage of it. This is very easy money.

1. Rent out your unused property on Airbnb

The concept appeared only a few years ago, but very quickly spread throughout the world. Airbnb allows people to travel the world and pay much less to stay than in regular hotels. By participating in Airbnb, you can use your home to host guests and earn extra money just from renting.

The amount of income will depend on the size and condition of your home and its location. Naturally, if your home is located in an expensive city or near a popular resort, the income will be much higher. This is a way to make money from free spaces in your home that would otherwise be empty.

1. Write an application

Apps can be an incredibly lucrative source of income. Think about how many people have smartphones today. Yes, almost everything! People are downloading apps like crazy—and for good reason.

Apps make people's lives easier. Whether it's helping you post pretty pictures or keeping track of tasks, there's always an app that's useful to someone.

You might ask: If there are so many apps out there, why would you try to create another one? Is there too much competition? This is all true, but fresh, creative ideas can benefit. If you can come up with something unique, you can make money from it.

Don't know how to program? No problem, you can learn. There are a lot of different courses on the Internet, including free ones. Alternatively, you can hire a developer to create an app based on your idea.

The end result is an application that will potentially generate relatively passive income.

1. Create online courses

Every person is an expert in something. Why not create an online course about your passion?

There are several ways to create and deliver your own online courses. One of the easiest ways is to use sites like

Constantly and most importantly guaranteed, receiving a certain income every month is the dream of any investor. Money works without your participation or any effort and brings even more money. How to achieve this? The answer is you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of funds invested. And let’s say, for novice investors, the profit received from their investments will be relatively small. But you have to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant investment. In law - over time, even the most modest capital can turn into a fairly impressive amount, the profit from which will give you a significant financial flow in the form of monthly income from the funds placed.

Where can you invest money to receive a constant monthly income?

We buy with different coupon payment dates. It is on these dates that you will be accrued profit. You can create a portfolio of bonds in such a way that profits are transferred to your account every month. Typically the coupon duration is 91 or 182 days. Every 3 months or six months, the profit from the purchased bond will be credited to your account.

Advantages. Higher profitability. Clearly predicted and fixed income. High (you can instantly sell bonds without losing accrued profit).

Flaws. The probability of bankruptcy of the issuer that issued the bonds. For blue chips this probability is low. For OFZ (federal loan bonds) and municipal bonds it is practically zero. Usually (although very rarely) so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and everything will be fine.

4. Dividend shares . Buy ones that consistently pay dividends. And not just dividends, but... On average, on the Russian market this size is 3-6% of the value of shares. There are companies (but they are few) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.

The profitability, of course, is still small, but if you consider that you are buying a piece of a working (and successful) business, then with the further development of the company, the profit will also grow.

For example. The price of shares in the stock market is very volatile. They can “walk” within 20-30% throughout the year, both up and down. At the beginning of the year, SurgutNeftegazP shares cost almost 50 rubles per share, then the price fell almost 2 times within six months, to 28 rubles. Considering that the average yield is 10% per share (at a price of 45 rubles) or 4.5 rubles, if you bought at the “bottom” at 28, you would provide yourself with a future profitability of 17% per annum. And if the company’s profit continues to grow, then the annual profitability will easily exceed 20%.

Advantages. By purchasing a “piece of business” in the form of dividend shares, you will have the right to count on a share of the company’s profits. You can find it, thereby obtaining an even higher annual return. As the company develops, profits will increase, which means dividends will also increase.

Flaws. Uneven payment of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Shares purchased may drop significantly in value. But if you are focused (several years), then this will give you the opportunity to purchase additional shares at bargain prices.

Finally

It is possible (and even necessary) to receive passive income every month. There is nothing complicated about this. The listed methods are available to everyone. And don't forget. Divide your funds into several parts and use them to make a profit in each way. This will, of course, reduce the overall profit, but you will greatly reduce the risks when investing.

Some passive income options, such as cryptocurrencies or securities trading, require a small amount of basic knowledge. Some require large temporary investments - for example, selling photos on photo stocks, others require financial investments, for example, all real estate transactions. The simplest methods, for example, cashback on a bank card, do not require anything at all from the user, but the profitability from them will not be high.

Index funds

Suitable for those who want to make money by investing in stocks, but are not ready to spend a lot of time and energy on it. The fund frees the investor from the need to analyze which company shares should be sold and bought at a given time. This is decided by the fund itself, which forms a portfolio of investments depending on the state of a particular index. The most famous index fund is the S&P 500.

Index funds include groups of stocks with similar characteristics—company size, value, profitability, and geographic location. When a stock moves beyond these characteristics, the fund typically sells it.

An investor can choose a fund operating in any industry, from banking to precious metals, and invest money in it. After this, the stock portfolio will begin to work independently. The main disadvantage is the same risks as with regular securities trading. The company's shares could go negative, or the company could decide not to pay dividends this year.

Individual investment accounts

Since 2014, individual investment accounts (IIA) have been operating in Russia, through which you can receive a tax deduction of up to 52,000 rubles. per year, but there are two conditions: the depositor must work, and his official income should not be lower than the amount that he deposits into the account.

The main disadvantage is the limitations of the IIS. One person can open only one account for a period of at least three years and deposit no more than 400,000 rubles into it. If you initially deposited less, you can top up your account throughout the year.

Opening an account is very simple - this can be done in the office of any broker offline or online, you only need a passport. You can choose two tax discount options: either a 13% income tax deduction or an exemption from tax on income from trading in securities.

IIS works like a regular brokerage account: money can be invested in stocks or bonds or left in an account in rubles. You can connect your account to the strategies of management companies to select a ready-made algorithm for increasing profitability.

Comment by Ilya Panteleimonov, international financial advisor, partner at Logic Planning Group

Reliable passive income options that are suitable for all people include passive income in retirement and annuities. The annual yield of reliable passive income is 3-5% per annum in foreign currency, on average 4-5% per annum.

It is provided by conservative portfolios of securities funds - bond funds, stocks, real estate, alternative funds. The profitability of such portfolios is approximately 4-5% per annum in dollars. Portfolio fluctuations are minimal. This method is used by 70-80% of people in Europe, the USA and Canada. To receive an annuity of $1,000 monthly, you need to invest $240,000.

Another way is through annuities. They guarantee an annuity for life, for example up to 120 years of life. The rent each year averages 4-5% of the invested amount. This instrument is also used as part of a retirement plan. The vast majority of families in developed countries make annuities.

Annuities are insurance contracts with insurance companies and are guaranteed annuities for life. One of the biggest fears of people aged 55-70 is that the savings created may not be enough to last a lifetime in old age. This is especially true today when life expectancy is increasing. An annuity helps solve this problem because it guarantees payments for up to 120 years to the contract owner and his spouse.

Cashback from credit and debit cards

The main disadvantages of this method are the small amount of income and adherence to the bank’s conditions. Most often, you need a certain amount of money to be kept in the account or the amount of expenses on the card to reach a certain point. Nevertheless, it will be useful to everyone who regularly makes purchases with the card, since no additional actions will have to be taken. This is the easiest way to generate passive income. Almost every bank has its own bonus program, which allows you to return an average of 7% of your total expenses to your account.

For example, the Alfa Bank MasterCars World card will be beneficial to motorists - a maximum amount of 10% is returned to the card for purchases at gas stations; Tinkoff Black All Games card - for gamers who will receive 5% back on the card for purchases on Steam, Origin, Xbox Games, Playstation Store and 1C Interest; Premium entertainment card from FC Otkrytie bank - for those who constantly pay in cafes, bars and restaurants. You can return from 5% to 10% to the card, depending on the total amount of purchases.

Real Estate Investments

Investments in real estate require more attention from the owner than previous methods, but they allow you to achieve a stable and relatively high income. To unload your time as much as possible, you can hire a professional property manager for a small commission, and to increase your income, rent out real estate on a daily basis, but this increases the risks, since each time you need to check the solvency and integrity of the tenants.

By renting out the premises, you can also gradually repay the housing loan with the tenants' money, eventually obtaining ownership of the property for your own use or for additional income in the future.

Commentary by Irina Zhigina, financial consultant and rentier

Many people call renting apartments a semi-passive source of income, since it is believed that the condition of the apartment needs to be monitored, tenants checked, and if the lease agreement is terminated, new ones must be sought, which requires personal participation. I myself have been renting out apartments on my own for many years, refusing the services of realtors, since time has shown that I can rent out an apartment much faster than they can.

The profitability and ease of renting depends on several factors: the region, the number of apartments being rented, the rental format and the chosen tax regime. Now there are many companies that, for a fee, will take care of managing your property. In this case, you will not worry about how to find a client, what kind of contract is best to draw up, or what to do if the tenants flood the neighbors.

The main tip for renting out an apartment is to find good tenants. If you were able to find tenants with whom you speak the same language, who are completely satisfied with your apartment and who are willing to rent it for a long time, then renting out an apartment will be an excellent source of passive income for you.

The average yield from renting out apartments is only 6% per annum, and one must understand that investing in real estate is always a long-term game. Of course, there are, so to speak, “aggressive” ways of the rental business, for example, renting out apartments for daily rent. The profitability in this case will be higher, but you will also get more risks. In this case, it is definitely better to use the services of a management company.

I know many examples when people first wanted to receive passive income from renting out real estate, but then they got involved, bought several apartments, rented them all out for daily rent, and at the same time hired a couple of people to manage the rental property. In this case, their initial desire to have passive income grew into a business of renting out apartments.

In general, the option of passive income through renting out apartments is suitable for people who want to receive a low but stable income on their invested money.

When purchasing real estate abroad on your own, I advise you to pay attention to the following:

1. It is important to study the basics of tax legislation in the country where you are going to buy real estate.

2. It is not always possible to rent out apartments with the help of a management company, and then you will have to look for tenants yourself.

3. In some cases, you will have to bear additional costs for maintaining your apartment.

4. You will need to open an account to receive rent from the rental property.

There is an alternative option that I used when buying apartments abroad. At first I also wanted to do everything myself and save money, but I encountered a number of difficulties and almost lost money because the developer went bankrupt. After which I hired a lawyer who acted on my behalf under a power of attorney and completed all the necessary documents. In the end, I paid the agreed amount, which in reality turned out to be not such a big price to pay for my peace of mind.

I would like to note that renting out apartments abroad has even lower returns if we are talking about seasonal demand. Thus, apartments located near the sea are rented out only a few months a year. I use my apartments myself for a couple of months a year, so this type of investment was profitable for me.

A fairly large number of people practice earning passive income by renting out apartments. This option is suitable for beginners who do not understand investments and do not have special knowledge. The risks are minimal compared to other methods of generating passive income, and more and more opportunities for finding tenants appear every year.

P2P loans

P2P loans (from the English peer-to-peers - “from person to person”) - loans to individuals from individuals, and banks are completely excluded from this system. To complete the transaction, you can use online services that help reduce risks by checking potential borrowers. One of the most famous P2P services in the world is the American Lending Club, in which Mail.ru Group owner Yuri Milner invested $57 million.

For example, in the Russian “Credit Exchange” Webmoney, if you have an electronic wallet, you can specify the amount, term and interest of the loan, and the system will offer you borrowers. The average loan rate on such sites is 25%.

To ensure the safety of deposits, users are certified and a loan agreement is drawn up, which can be relied upon in court. The main disadvantage of this method is the rather high risks, since the invested money can be lost if the borrower turns out to be insolvent.

Passive business partnership

Many startups need capital to launch or expand the business, and for an equity stake in the company, an investor can provide that capital. Then the founder and owner will handle all operational activities, and you can become a passive partner who receives a portion of the income. The main disadvantages are the human factor (after all, you need to find mutual understanding with the business owner) and the high risk that the company may go bankrupt.

Cryptocurrencies

Now the cost of one bitcoin - the most famous cryptocurrency - on August 17, 2017 was 263,617 rubles. It is expected that bitcoins will continue to rise in price, and in ten years their value could reach $100,000 per bitcoin. The advantage is that anyone can start issuing bitcoins, but for this the user needs a powerful computer.

Bitcoins are not a good short-term investment because their value changes quickly. To experience the benefits of an investment, you need to wait several decades. In addition, the legal status of cryptocurrencies in Russia is not defined: transactions with them are not considered illegal, but are not regulated by law.

Photo stocks

This method is suitable for those who take a lot of photographs while traveling or at home. There are many platforms for selling photos, from Shutterstock to Fotolia and Depositphotos. Such services are popular among designers, advertising companies and editors of publications - each of them prefers a certain style of work, but, as a rule, any topic remains in demand. For the sale of one photo you can get from $0.25 to $50, monthly income can vary from $100 to several thousand dollars, provided you have a large portfolio and the demand for your work.

As a rule, the more works in the portfolio and the higher their quality, the higher the income. A stable, relatively high income begins after adding at least 200 photos to the service, and they must be accepted by the administration of the photo stock.

Some services require you to pass a work exam and provide documents. It is important to add keywords to your photo description so that users can find it easily.

Affiliate Marketing

This is a great way for owners of popular blogs and websites to earn money by advertising certain products and services on their website and receive a percentage of sales from the owners.

This works best if what you are promoting is relevant to the theme of the site. For example, if you have a cooking blog, you can advertise kitchen appliances or aprons, and if you have a travel blog, you can talk about activewear and insurance options for trips abroad. Accountants, webmasters, SMM specialists involved in promoting services on social networks, as well as owners of portals and blogs about accounting and business can become partners of SKB Kontur and receive a commission ranging from 8% to 30%. The amount of remuneration can reach 17,250 rubles. for one sale. on promoting high-quality and popular web services of SKB Kontur.

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