Passive investment income. How to create passive income from scratch without investment

Each of us dreams of financial independence. However, for the most part, we are forced to work actively from paycheck to paycheck, feeling the eternal fear of losing our job as the main source of income.

Meanwhile, there are options for the so-called passive income, for example, we have described in detail. Such earnings do not depend on current activities, funds are credited to the account thanks to thoughtful investments made earlier. You can lying on the beach and getting passive income as the only source of funds, or you can work peacefully in the office, along the way getting a pleasant increase in income and not worrying about the possible loss of your job.

Today's selection presents best sources passive income. Of course, most of the ideas from the top 10 require a certain start-up capital, but there are also ways that allow you to lay the foundation for future income without investment.

Unlike bank deposits, such investments bring a higher income. However, the risks here will be much higher. Credit unions and trust funds do reallocate capital so that money will work and generate income, but only if the fund's management invests it wisely.

Investments in securities can bring a stable income if the investment is made by a specialist. Therefore, such investments require at least minimal knowledge and the state, trends and laws of the market. valuable papers... Otherwise, it is better to entrust funds to professionals, paying attention to mutual funds, which will be discussed below.

8. Passive income on the Internet

– investment project, created on the principles of a financial pyramid, operating on the Internet. Investors' income consists of funds from newly attracted investors. Investing in HYIP will not allow you to relax - in order not to lose everything, you need to regularly monitor the status of the project.

7. Highly profitable investment

If the investor is not attracted by the independent purchase of shares or playing on the currency exchange, then the funds can be invested in the most or transferred to an experienced trader. Naturally, the owner of a PAMM account will keep a commission from income for his services, but professionals are better guided by the market and know the most profitable ways of investing.

6. Playing on FOREX

To play on FOREX, you need to undergo minimal training in order to master the principles of trading. In addition, bidding requires constant attention, which makes the income no longer completely passive. However, when combined financial literacy with a certain amount of intuition and luck, they make fortunes on FOREX.

An excellent option for receiving passive income, however, it requires an impressive investment at the initial stage. After all, not everyone has a property to rent. If there is an object, then it can provide a stable income from several tens to several hundred thousand rubles per month.

4. Setting up your own business

If at the initial stage a new business requires a full commitment of effort and time, then over time, a successful business can work as a well-oiled mechanism that does not require the constant presence of the owner. we presented earlier.

Websites allow their owners to make money from advertising. However, in order for a web page to become a source of passive income, it must be filled with interesting and useful content, promoted on the web, and then maintained in this state.

Unlike bank deposits, mutual funds offer a higher income. True, the risks are higher here, however, they allow you to entrust funds to professionals, as well as to determine the investment strategy. As a rule, large companies offer several options for mutual funds - from the most reliable with a lower income to high-risk, but more profitable.

1. Bank deposit (Deposit)

The list of sources of passive income is headed by the simplest and most understandable way of investing. At the moment, deposit insurance covers funds in the amount of up to 1,400 thousand rubles. If you plan to invest more money, it is better to distribute them among the most.

Entrepreneurs, investors, owners of liquid assets and free cash are often interested in what sources of passive income can be used to improve financial situation with minimal risk of losing your property or savings. In addition, even the most hardworking people at least occasionally dream of making a stable profit and still doing nothing.

But in economics, everything is built on the basis of the laws of materialism, which exclude any miracles and magical transformations: to make a profit, you need to either work or have money (other resources) that can be invested in a profitable business. That is, you can make a profit in two ways: by taking an active part in some profitable business or by investing your money / property in projects that bring passive income.

The last option is the main topic of the presented article, from which you will learn about what are the sources of passive income with examples from real life, how much money they bring, and what are the risks of making a profit in this way. These recommendations will help readers to effectively use their savings and other assets, and you will also learn how to make a profit with minimal risk of becoming a victim of fraud.

Sources of passive income - popular types

Among the most common sources of passive income in Russia are the following:

Bank deposits. Simple, reliable, no need to calculate or analyze anything. The risk of losing your savings is minimal if you open a deposit in a well-known bank. The main disadvantage is that your earnings, if you open a deposit in a serious bank, will be a penny, and taking into account inflation, almost zero. Some small, little-known financial institutions offer much higher interest rates on deposits than any average bank, but there is no guarantee that you will receive them. In a couple of months, this office may disappear along with your money. This kind making a profit makes sense when you have a large sum of money that you do not risk investing in other projects.

The next source of passive income is created from scratch, and at the initial stage requires your participation. This is about own business, when you organize and adjust its work, and then receive a stable profit. The main disadvantages are associated with the fact that at first (sometimes several years) it is necessary to work very hard, and then find a manager who can be trusted one hundred percent. Advantages - high reliability, stability, income is much higher than in other passive earning options.

Renting out an apartment or other real estate. If you have a vacant apartment in a big city, then you do not need to worry about your financial condition. Many experts, when researching the best sources of passive income, put this method in the first place. The risks are minimal, the main thing is to find a decent client and conclude an agreement with him that will take into account all the nuances. You only need to invest in the repair and purchase of furniture. That is, you do not need to do anything, just make a monthly profit and check how your tenants comply with the agreements. But this is provided that you already have a property. The situation when you need to buy an apartment does not look so attractive.

Creation of your site. Good view income, but it, like any other business, at the initial stage requires a certain amount of participation from you, and in further work, you need a reliable leader of this project. In addition, this activity is associated with huge competition, therefore, in order to make a profitable resource, you need a truly original idea. Some theorists of economic disciplines, analyzing possible sources of passive income, believe that the development and development of a web resource is impossible without the participation of its creator. The terms of affiliate programs change, new advertisers appear, new content needs to be constantly added to the site, etc. In other words, this business can hardly be classified as passive earnings.

Unlike the previous option, investing in mutual funds allows you to receive passive income and can be considered classic example this type of earnings. You trust your savings to professionals who know which securities will bring profit, so you don't have to worry about their safety. The main thing is to choose the right mutual fund, the size of your income depends on it. According to a similar scheme, you can transfer your money to trust management on stock exchanges, foreign exchange markets, etc. If you understand the mechanism of formation of exchange rates and know how to work with securities, you can make money without the help of intermediaries.

There are also sources of passive income without investment of funds. These include renting real estate (as mentioned above), receiving royalties for a book, or scientific work, as well as royalties for inventions, provided that you have the appropriate patents for them. The options presented look very attractive financially, but in order to receive money in this way, you must have the talent of a writer or inventor. Unfortunately, there are very few such people, but maybe you have all the prerequisites to create something brilliant and get a decent reward for it.

A separate group should be allocated to making a profit through the lease of equipment and transport. The recipient of passive income risks in this situation that his property will be brought into a condition beyond repair. Of course, such things are necessarily discussed in the contract, but if the car costs millions of rubles, the owner will have to wait a long time until he is settled. Therefore, do not forget about insurance companies that will help you solve such problems.

Many readers are interested in how the situation on this issue has developed in other countries. If you do not delve into some of the nuances, we can say that there is no difference, for example, the sources of passive income in Ukraine are fully consistent with the above list.

Differences across countries can arise over what theorists call “legal” passive income. This includes cash payments such as pensions, utility subsidies, scholarships, affordable housing, etc. This money is paid by the state to people who find themselves in a certain life situation when they need material assistance.

Practical guidelines for creating stable sources of income

Practice shows that a person who is completely focused on his work rarely thinks about receiving passive income. Of course, when it comes to a favorite business that brings an adequate profit, which is enough to satisfy all needs, including the creation of a decent reserve fund, then there is no need to address this issue. But in the case when the salary is not enough, you need to look for free time to solve financial problems. A working person needs to focus on multiple sources of passive income, which will insure each other, allowing them to count on a certain stability.

One affiliate program is not working this week, which means that the other will bring more money, on referrals instead of $ 100 they earned 50, but advertising on the site was 30% more profitable, etc. Take the time to create profitable assets that will significantly increase the cash flow to your personal budget. The more sources of income there are, the less likely it is to suffer, in financial terms, from external adverse factors (for example, a sharp change in the exchange rate).

Never spare money for your own education. Improve financial literacy, teach entrepreneurship theory, pay special attention to the analysis of ways to make passive income using the Internet. Of course, not everyone can create a website on their own, then organize its promotion in the main search engines and ensure that the resource brings a stable profit.

But if you have an interesting idea, find the right people, start-up capital and start implementing the project. Analyzing the sources of passive income on the Internet, we can conclude that your web resource is one of the most promising in terms of profit margins and stability.

In addition, a personal website is the foundation for the following areas of profit.:

Banner and contextual advertising. If you are the owner of a promoted site with high traffic, advertisers themselves will look for you and negotiate the placement of their advertising.

Selling links.

Partnership programs.

If we talk about sources of passive income on the Internet without investments, then I must say that this is a rather difficult, but doable task. Alternatively, you can focus your efforts on attracting referrals to mailing list sites. Naturally, at the initial stage you will have to work, but then you will only make a profit without doing anything. For readers who are not familiar with postal services, in a nutshell about the mechanism of their work. On these resources, some users submit simple tasks, while others perform them for a monetary reward.

This can be voting in contests, writing small reviews, chatting on forums, clicking on advertising links and many other small assignments that do not require special qualifications. If you brought a performer to the mailer who will earn $ 50 every month, your profit will be five. Imagine that you have one hundred referrals on 2-3 sites. In this case, your passive income will be from 1000 to 1500 dollars. At the same time, you do not need to invest money, the main thing is to come up with effective methods of attracting referrals. Another option is trade affiliate programs where you need to attract buyers, but this way of earning can hardly be called passive.

If you still doubt whether it is worth creating sources of passive income, we will carry out a comparative analysis of this method with active methods.

Active income implies constant work, if you work, you will have money, if you do not work, no one will pay anything. Passive income is accrued stably and without your participation.

Sources of active earnings are limited: you cannot work in 5-10 places at the same time. Passive income can be obtained both from 1-2, and from 50-100 sources.

Practice shows that active income is chosen by people with low level financial literacy, which are influenced by stereotypes that formed back in Soviet time... Passive income is of interest to educated, progressive people who strive for financial independence.

An analysis of the sources and methods of passive income showed that this topic is of interest to every hardworking person who is not going to work for someone all his life, giving his time, strength and health for a penny, the main thing is to think positively and not despair if from the first times not everything works out.

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Hello dear readers. In this article I will try to cover the topic of passive earnings in as much detail as possible.

More recently, a person's interest in money and ways to increase their capital was considered, if not shameful, then definitely not worthy of approval. There was an opinion in society that it was possible only at work, and there was a very wary attitude towards all other sources of income.

Of course, then there were good reasons to believe that this is the case: a lot of people "burned out" on seemingly guaranteed and quick methods to get rich. However, fortunately, today are different times: there are many opportunities, using which, although not, but seriously improve material well-being.

What is the first thing that comes to a person's mind when he has a desire (or need) to have more money? That's right - extra work. This decision has its advantages (earnings will definitely increase, plus there will not be that very censure from society). However, the disadvantages that this method has in abundance (lack of time, effort, qualifications, experience, and much more) often put an end to finding additional work.

What is left to do in such a situation? Fortunately, the modern world provides an opportunity, literally doing nothing for it. The name of such a wonderful method (or, more precisely, a whole group of methods) is passive income.

What is it? By "passive income" is meant the kind of earnings that a person has, we can say, of course - he does not need to work or take any actions to get it, he is on his own.

Today, many residents of our country have passive income in one way or another, and they themselves often do not realize this. Its amounts may differ: someone has only a few hundred rubles a month, while someone's passive income is in the hundreds of thousands. The amount of cash receipts is influenced by many factors, which will be discussed later in the article.

The opportunities provided by passive income are usually underestimated. Even those who have heard a lot about this method of generating income, believe that it will not be possible to earn at least some significant amount - which means there is no reason to strain. In fact, of course, this is not the case: as I said above, some receive hundreds of thousands of rubles a month, practically doing nothing.

Who Can Passive Income Ideas Really Help?

Look at the list below: if you belong to at least one of these categories of people, then earnings, for which you do not need to constantly work, will definitely not hurt you.

1. You do not want to constantly work for the state or "another uncle", but sooner or later you want to put your own ideas into practice.
2. You want to retire and go discover the world, but you understand that the existing pension coverage is definitely not enough for this.
3. You consider the future well-being of your family as one of the main guidelines in life and are ready to take real steps in this direction already now.

Of course, it's good to talk about passive income at length, but how do you start earning it? What needs to be done for this and in what direction to work? We will talk about this today.

1. What is the difference between rich and poor people?

Before starting my review of popular ways to generate passive income, I want to ask you a question: what, in your opinion, is the difference between the poor and?

Did you manage? Memorize your answer and keep it with you - it is not at all necessary to read it out, but it will come in handy in the future.

My opinion entirely coincides with the views of Robert Kiyosaki - the famous American businessman and an investment specialist. So, Kiyosaki believes that rich and poor differ from each other primarily in their attitude to money. What is he talking about? Let's take a closer look.

Imagine two friends. One works in a good place and is an excellent specialist in his field, which allows him to receive a very good salary. The second one does not have a brilliant education, which is why it is quite difficult for him to get a good job, and the current one does not pay very much - almost 2 times less than a friend.

Which one is richer? It would seem that the answer is obvious - but do not rush to conclusions ...

Now let's see what kind of spending both friends have.

The first (an excellent specialist with high earnings) regularly eats in not the worst restaurants - lack of time, laziness to cook and other reasons do not allow him to make his own food. In addition, he almost always gets from work to home by taxi - there is no car of his own (because he did not bother to get his license), but public transport does not allow you to ride "status".

Also, the first friend regularly (sometimes several times a month) goes to clothing stores, and far from the cheapest. Why would he? The fact is that a person absolutely does not know how (and does not want) to restore wardrobe items - even if a very small stain appears that cannot be washed in washing machine(but it is perfectly removed by dry cleaning), he throws the thing into the trash can and goes to buy a new one.

Okay, but what about the second friend who earns a lot less? Going to restaurants is a luxury for him: he visits such establishments every few months (and even then he never gorges, but takes quite a bit), and travels to work and back by bus. As for things, he not only wears them to dry cleaning, but also tries to restore as far as possible - to sew up holes (and completely imperceptibly), reshape, give clothes a new purpose (for example, turn old jeans into shorts).

But what am I doing? How do food, transportation, clothing, and other expenses relate to wealth? Probably, many of you will find the answer wrong now, but it is very simple - the most direct one.

Why is this so? Please note: although the first friend has a very large salary, it constantly goes to restaurants, taxis and clothes - if you use this regularly, and not on holidays, even a very thick wallet may not be enough (which happens to the first friend, sometimes even forced to borrow from the second).

On the contrary, a friend who handles his money very carefully (spends it only when there is a real need for it) never feels material need - the difference between his income and expenses is always positive.

That is why the first friend has no savings, and his friend, earning almost 2 times less, regularly (from each salary) saves some money on his deposit. Over the years, a decent amount has accumulated there, which can be spent, for example, on a car, several trips to other countries or for training.

I hope that after such an illustrative example, you fully understand the point of view of Robert Kiyosaki (and mine too) - first of all, those people who spend less than they earn become rich. Such people know how to limit themselves in unnecessary expenses, realizing that strategic gain is much more important than momentary satisfaction.

Finally, let's outline the main points where the difference between rich and poor people is most obvious.

1. Attitude towards wealth and money. If for the “poor” (first of all, not in terms of wealth, but in the way of thinking) people money is the goal, then for the “rich” it is a means (they make it possible to satisfy the need for a secure future, knowledge, skills).
2. Attachments. The money earned by the “poor” and the “rich” dispose of in different ways: if the former spend it very quickly and hardly make any investments, then the latter will definitely save the funds and invest them in sources that will eventually start to make a profit.

We figured out how “rich” and “poor” people differ from each other - I think that after reading this section, many people have something to think about. Well, we turn to the consideration of the sources and types of passive earnings.

2. How can you earn passively?

To start generating income that will always be - regardless of whether you work or not - you need to find out what types exist and which ones are most acceptable for you.

There are four types of passive income sources, and each of them is worthy of a separate story.

View 1. Intellectual property

Perhaps I'll start with objects that are created as a result of intellectual labor - literary sources, musical works, programs for various events, and the like. In addition, inventive ideas can be attributed here - they can be patented and have income from implementation.

How is passive income for intellectual property generated? The creator of any of the objects described above acquires ownership and authorship rights to it. If the right of authorship is inalienable, then the first right can be sold and received income from it.

Realization of property rights, as a rule, does not take place immediately, but within some time intervals. This allows the authors of ideas receive passive income not once or twice, but constantly - after all, this is what we strive for

Despite the fact that royalties today can be very large, this way of earning money is available to very few - primarily because it is daunting today to invent and promote something unique and original. Nevertheless, let's remember this method and move on to considering others.

View 2. Investments

Investments - investing funds with the aim of subsequently getting more than the size of the investment, profit.

In the minds of most people, investment seems to be something very distant, available only to very rich people. In fact, investing is available to everyone who has at least a little free money - they are also capable of making a profit.

Where can you invest money? There are many places:

• bonds and shares of companies, government
• Mutual funds (mutual funds)
• PAMM accounts
• real estate objects
• bank deposits
• business.

All these opportunities have different profitability and different risks, therefore, before making a choice, you need to decide which is more important - the amount of profit or a guarantee of capital safety.

View 3. Marketing

Marketing is the promotion of a certain product to the markets and making a profit from such activities.

Previously, manufacturing companies around the world were faced with the question: how to do so in order to start producing more and better quality? Today, with a few exceptions, there is no such question, but another problem has come to the fore - where and how to sell the goods? In such a difficult task, marketing helps a lot, and you can make good money on this.

Every person today has access to network marketing. To start making money in this way, you need very little: a small start-up capital (in some cases you can do without it) and the ability to sell a product. The bottom line is this: You take (or buy) a product from a firm and sell it to consumers. The difference in purchase and final prices is your profit.

“Okay,” you ask, “but what does passive income have to do with it?”. Indeed, at first glance it seems that in network marketing you constantly have to go and offer a product in order to be purchased. However, in reality, you can do without it.

For example, Internet sites help a lot in network marketing. If you once invest in the creation and promotion of your own web resource that will advertise the product, then in the near future you will not have to do anything to sell products - customers will come to you themselves.

Type 4. Receipts from the state

Some people, with far from the highest wages and a lot of expenses, nevertheless, live quite well. How do they do it? Perhaps it's a matter of legal literacy.

The laws of our state allow you to receive various payments from the budget. Of course, for this you need to meet certain conditions, but they are not as difficult as it seems, and the possibilities themselves are much greater.

I will list only the main ways of obtaining funding from the state, which can be available to everyone:

• pensions
• subsidies to pay for "communal"
• business development subsidies (especially for small businesses)
• "Maternal capital"
• subsidies for improving living conditions ("expansion", certificates for land, houses, apartments).

Summing up the section, I want to say that you should not be limited to only one type of sources. Ways of passive earnings are very diverse, and you can always work in several directions at the same time - so the income will be much higher.

3. TOP-7 Ideas for creating passive income

We have considered the main areas in which you need to work in order to make passive income.

It's time to move on to concrete ideas suitable for implementation - thousands of people have already taken advantage of them and today have stable cash flows with little or no participation.

Idea number 1. Own site

The Internet is an inexhaustible source of everything: information, customers, sales, goods ... You can't list everything. The coverage of the World Wide Web is so global that despite the truly huge amount of web resources, there is still plenty of space for new sites. That is why, in the list of methods for generating passive income, Internet sites are at the forefront.

What do you need to become a webmaster (site owner) and start receiving money? You need:

• knowledge of marketing (not at the level of an institute graduate, basic provisions, principles and skills are enough)
• PC ownership (some special programs will be needed)
• free time
• focus on results.

If you have everything from this list, congratulations: passive income on the Internet is an opportunity for you.

In our age of typical standardized things, any unique product that has properties distinguishing it from other goods gains success - its inventor is rapidly popularizing his name, and copies are sold in very large circulations. If you have an inventive or creative streak, then you can try to write a book, create a canvas or other work of art, develop a breakthrough technology.

The use of such ideas by others, as I mentioned above, can generate long-term profits. It will come from license fees for the use of the product, the development of new solutions based on it, and many other things. Using your intellect to invent something new sometimes allows you to create a source of passive income from scratch: with only paper and a pen (in modern conditions - a computer), a writer can create a masterpiece that will read the whole planet.

But what if you can't invent a breakthrough technology or paint a picture that will be appreciated by critics? Is it really impossible to form passive income in this way?

Fortunately, it's not all bad. Today, even seemingly ordinary things, but presented in a new way, often have wild success. A striking example is traditional handicrafts: masters of knitting, sewing, pottery, weaving, ornaments earn not only on goods, but also on what they teach others about their craft.

For lovers of modern technologies, active computer users, I can advise you to turn your eyes to the Internet. Even talking about a person's life, with the right presentation, "blow up" the Network and become megapopular. In addition, you can write computer software - games, programs and useful utilities that help make modern technologies it's more useful, understandable, and more accessible to great users.

Creating a creative product is easier than you think. Examine your abilities, talents and skills - for sure you will find something unique that can be applied and turned into money. If you go about your business with a soul and are able to establish a dialogue with people, then do not hesitate - a creative product will be successful.

Idea number 3. Property for rent

Surely you have property that seems to be needed, but at the same time is not used very often (or not used at all). If there is no desire to sell it, then it can be rented out and receive income from this.

What exactly is popular in the rental markets? You can rent anything:

• apartments
• cars
• equipment for repair, construction
• clothes
• furniture
• decorations
• much more.

The obvious option for most is only an apartment - they are usually rented out anyway by everyone who owns two (or more) apartments or has, for example, a house and an apartment at the same time. The rest of the objects, as a rule, hang with a "dead weight", cluttering up the space and giving no profit.

For example, after the repair, you still have the equipment that was bought for its implementation: a jigsaw, a hammer drill, or something else. Throwing out such things, of course, is a pity, there is no need to use them, and if they agree to buy, then it is much cheaper than the price in the store. In this case, rent is an ideal option: as a rule, such equipment is needed only for the duration of the repair, and people are not ready to buy it for good, but borrowing it for a while is another matter. For 2-3 leases, you can get as much as other enterprising people offered to buy an instrument.

It is quite simple to make the service popular in this case: it is enough to advertise on some regional website for repairs. If you do not want to spend money, you can leave messages on thematic forums: they are visited entirely by representatives of the target audience, which means that the conversion will be very high.

Of course, this type of earnings cannot be called completely passive: you need to communicate with clients, check the performance of the rented objects. Nevertheless, it is this idea that best suits the needs of those who are looking for passive income on the Internet without investment. Judge for yourself: you don't need to buy equipment (you already have it), you can advertise for free (links on forums or Avito), you can meet with clients at your place or in any other convenient place.

Idea number 4. Government payments

Speaking about the ideas of passive earnings, I mentioned that many residents of the Russian Federation have the right to receive money from the state, but do not use it. In this section, I want to talk about this feature in more detail and give specific examples.

Who can qualify for budget payments? There are several main categories:

• pensioners
• disabled
• families in difficult life situations
• families with large quantity children
• entrepreneurs who started their own business.

In fact, you can receive payments even when you do not belong to any of the above categories (however, it will be very difficult to do this, even if you meet the conditions specified in the Civil Code).

Let's move on to an overview of specific types of government support.

Method 1. Benefits for the birth of a child

The state actively stimulates the birth rate, and today families with small children can receive several payments at once:

• “Maternity capital” is quite large in size (453 thousand rubles in 2017, while regional authorities can pay extra at their discretion), but it is issued only when there are at least two children in the family, and it can be spent in a limited number of ways
• child benefits (paid to the mother all the time she is on maternity leave).

Of course, the size of those “children’s” that exist today cannot please anyone, but in the absence of more, it remains to be content with what is. Even a small amount of money that comes in regularly and without any effort can help improve your financial condition.

Method 2. Subsidies for business development

The state is interested in developing - this gives new jobs, tax revenues, and, in the long term, also stabilizes the situation in the country. To this end, the authorities financially help entrepreneurs who have a business idea and a clear understanding of how to organize its implementation.

A business development subsidy is issued free of charge and free of charge - unlike a loan, it does not need to be returned. Another plus is that absolutely any entrepreneur can apply for such financing.

Of course, the state is interested in giving money for the implementation of only really promising ideas. Because of this, potential businessmen, in order to receive money (and sometimes it is unrealistic to start a business without the help of the state), provide many documents that describe in detail the project, profit and payback periods. The papers are considered by authorized structures, after which a decision is made (it can be either positive or negative).

Having received the money, the businessman must immediately put it into action, and then report the costs to the institution that issued the money. This point should be taken as seriously as possible: if the report does not satisfy the auditors, they will demand money back.

Government payments are a great opportunity to earn passive income with little or no effort. Of course, it will not be permanent in the full sense of the word (with rare exceptions), but you should definitely not ignore this possibility.

Idea number 5. Financial investments

Let's move on to studying, perhaps, the most serious method of generating passive cash inflows - financial investments.

Why do I say that? Any investor intending to play in the financial market must have at least the following:

• endurance, patience, desire to improve and learn new things
• initial capital.

If, as a rule, there are no problems with the first one, then there are often difficulties with the initial capital. Nevertheless, it is not worth giving up this method if there is no significant amount of money: a small capital will simply bring less profit.

Where to invest to start earning passive income? There are several investment strategies that differ from each other in terms of costs, payback periods and risks. But first things first.

Method 1. Acquisition of real estate

If you have a fairly large amount on hand (several million rubles), then you can invest in real estate: an apartment, a house, production facilities.

This type of investment can start generating income immediately: when renting out real estate, tenants will pay a certain amount every month. If the cost of the object has increased compared to the initial one, and there are buyers, then you can sell the property: in this case, you will have not only the money paid for rent, but also the difference between the cost of buying and selling.

This way of investing is suitable for those who have significant capital and at the same time are completely not prone to financial risk. Real estate will always remain in value, and price fluctuations for it are not as significant as for smaller properties.

Nevertheless, I want to draw your attention to the fact that real estate will require costs after its acquisition: an apartment (house, production area) must be maintained, utility bills must be paid, and so on. If you do not have a clear understanding of who the object will be leased to, and the prospects for increasing its value are very vague, it is better not to use this investment method.

Method 2. Using financial instruments

Securities, Forex markets and other opportunities to capitalize on price changes are a great way to make money.

What are the advantages of this method?

First of all, there is no need for a large start-up capital. Having in your pocket (or for) several thousand rubles, you can safely register on Forex and start investing. In addition, here you can very quickly increase capital several times - stories about people who literally increased their savings by 3-4 times in a week are by no means a fantasy.

Of course, such advantages cannot be without drawbacks. In principle, there is only one drawback, but quite significant: very high risks. Of course, their size depends on the investment strategy (you don't have to risk at all - you don't need to use financial instruments, however, you can not count on profit in this case. If you want, like those people from success stories, to grow several times weekly, then I hasten to disappoint - success, even if it does, is guaranteed to dry out almost immediately.

That is why an investor in Forex and other financial markets, for example, must choose the right balance between profitability and risk. To do this, you need to be able to calculate the risks, you also need to be able to control yourself and be calm in any situation.

Idea number 6. Network marketing

I have already spoken about network marketing above, but now I want to dwell on this idea for passive earnings in more detail.

Sales of goods famous brands- the process is truly global: today people who have nothing to do with the company itself are engaged in it. This happens both because of the oversaturation of the market, and because of the increase in the number of proactive, purposeful, active people who know how to sell goods to even the most intractable client.

Everyone can start making money on network marketing - including you. To do this, you need to meet all the conditions that I mentioned above, as well as be well versed in the range of the manufacturer's products and be always ready to meet the buyer halfway.

Now - about what you need to know about network marketing and what methods of making money are there.

The pinnacle of dreams for many people is to create a business that will bring sustainable and big income, and without the slightest intervention.

This, of course, is a commendable aspiration, but one must remember that a businessman can become successful only if he can understand whether the chosen direction is promising, convince investors (if he does not have his own savings) of future profits and implement the project as it is was conceived.

Often a potentially very profitable idea "stalls" only because the author himself has no money to implement it, and investors are not inclined to give their funds. In this case, business on the Internet will be able to help - it requires significantly less investment, and the results in the future will give almost the same.

What kind of online business opportunities are there? There are quite a few of them:

1. ... Even if you have nothing to sell, it doesn't matter - goods can be bought and sold at a higher price. The Internet makes it possible not to spend money on promotion and rent of space: promotion on the Web can be practically free, and you can give out goods right at home.
2. Provision of services. Strictly speaking, this refers to the promotion of services that are not provided on the Web: legal, medical and other consultations, as well as other types of services. If you have the relevant education and experience, but you are experiencing problems with promotion, then the Internet is your best friend and helper: with its help you can convey information about the service to the consumer, organize an appointment and collect feedback.
3. Information business. Knowledge is capital that will always be in value. If you have unique information about something interesting and important and want to tell the people about it, then you can create your own website (or advertise on forums, other resources) and look for clients through it.
4. Information distribution. To make money in this way, first of all, you need to create a popular (with a large number of subscribers) page or site. As soon as this is done, you can contact the owners of large companies whose field of activity corresponds to the topic of the page or resource. It is quite possible that they will agree to send information about themselves through your projects, and you will have income from this.

As you can see, it can be carried out in many directions, and the main thing is to choose exactly the vector that best suits your ideals, values, aspirations and capabilities.

4. We earn passively through the Internet: working methods

You can and should make money on the Internet. The types of passive income are vast and varied, and anyone who has a connection to the World Wide Web can probably use at least one of them today.

Before you start generating income over the Internet, I recommend that you answer the question to yourself: what do you want to get? Do you want to quickly and without much straining to earn a small amount, or are you willing to invest time, effort and money to ensure a stable cash flow?

If you chose the first option, then I can recommend, for example, making money on social networks or. This can be done in any social network, the work is absolutely easy, however, it cannot be called passive earnings - you will have to “scribble” every day.

If you chose the second option, then there are much more ways to make money via the Internet, which will bring (over time) income without your participation. In this article I will cover 7 basic methods, but in fact there are other possibilities. So let's go.

Method 1. Implementation of advertising on your site

Every year, thousands of new companies appear that are faced with the need to sell their products and services. In order for the world to know about them, they need to "unwind" - to advertise in all possible ways. One of the most effective places for promotion is the Internet: the audience is multimillion, and the costs are often lower than when advertising in more traditional ways.

What am I doing? And to the fact that every webmaster (creator and owner of an Internet resource) can have income from advertisers. It is this method that will be the first in this section.

# 1. Contextual

Contextual advertising - showing the user the information that either corresponds to the topic of the page, or what he was looking for on the Internet earlier. This is a great way to generate income even when the site is in its early stages of development. Using this method of monetization, a webmaster needs to do a minimum of things:

• think over in what places of the site the blocks with contextual advertising will be placed (if there are mistakes, it is not scary - the location can always be changed)
• register in programs for placing contextual advertising (Google AdSense, Yandex.Direct).

The services will do the rest (client search, advertising placement) for you.

How is this ad monetized? Yandex.Direct, Google AdSense and other similar services at a certain frequency (as a rule, once a month) transfer to the webmaster his income in a special account, which consists of the total number of "clicks" on the ad. The more clicks on the link are made, the more the owner of the website will have.

# 2. Selling links

The owners of other projects on the Web are in dire need of visitors - the more of them, the more successful the site is. They can be promoted, among other things, at the expense of special resources dealing with the "trade" of links.

What is the essence of such projects? They act as intermediaries between those who want to “buy” a link (pay for the link to the desired site to be on a well-known and popular resource), and between those who want to “sell” the link (place it in an article on their site) ...

If your project is well promoted (it has at least 5 thousand visitors every day, although each link exchange has its own requirements), you can try to "sell" links. To do this, you need to create an account on the exchange and issue your offer to potential buyers.

• "Eternal" - are sold immediately for the entire lifetime of the site
• rental - are placed for a certain period, while the payment "drips" with a certain frequency.

The income from this way of earning is unpredictable - it can vary greatly depending on the topic of the site, its age, traffic, and even the season. At the stage of the project's formation, it is definitely not worth resorting to it: there is a great danger of a "ban" from search engines, and then the site can be closed. It is necessary to wait at least six months, and then register on projects for the implementation of links.

No. 3. Sale of banners

How it works? The principle of operation is similar to contextual advertising: The webmaster also needs to provide a place for the ad unit (it should be visible, while not interfering with the perception of information) and place advertisements from employers on it.

What's the Difference? There is no intermediary here in the form Google service AdSense or Yandex.Direct - contact occurs directly between the advertiser and the webmaster. Due to this, the profit of the site owner increases, but the number of clients, as a rule, decreases - most of them immediately contact Google or Yandex, without working directly with the project owners.

To sell banner advertising, the site must contain comprehensive information about the terms of cooperation - terms of placement, cost, other provisions. It is best to set aside a separate page on the resource for this, so that all the information is in one place.

To summarize, I can give webmasters who are going to earn income from advertising a couple of tips:

• you need to have good knowledge in SEO-optimization of resources and learn how to interact with advertisers (this will come with experience)
• the site should be made primarily for people, and not for monetization - uninteresting web projects are never considered by advertisers, and Google AdSense and Yandex.Direct are getting better at “learning” to ignore such resources.

Method 2. Affiliate programs

What's happened ? It is a way for sellers to attract customers. It consists in the following: a company that has a product, attracts other people to distribute it, promising some kind of income from each sale.

Today, almost all large sellers of goods and services have affiliate programs - in this way they save not only time, but also money, and other people get the opportunity to earn good money.

Finding is easier than it sounds - there are many ways to do it:

• place a banner on your own website (if any)
• create a group on a social network, spread the link among its members
• purchase of an article in which the link is "embedded" on a third-party resource
• posting a video on the Internet with a referral link (you can show it in the video itself and place it in the description).

When participating in an affiliate program, you must definitely find out how reliable its organizer is. There are many cases when promising and promising projects in fact turned out to be a common "scam". It is worth paying attention both to the reviews of friends and acquaintances (if they have previously participated in the program), and to the opinions on specialized Internet resources.

Method 3. Investing

To make a good profit, sooner or later you will need money - if there is no start-up capital at all, then you cannot count on large sums.

As soon as you acquire at least a few tens of thousands of rubles free for investment, you can start investing. This method of generating passive income, as I said above, is potentially the most profitable, but also the most risky.

What can be done to reduce the risks of losing funds to a minimum value? A great way is to diversify your investment portfolio. The word is quite complicated, but in practice everything is quite simple: it means the distribution of funds between various instruments.

For example, a portfolio that is quite popular in the investment environment looks like this: 40% of all funds are directed to bank deposits (minimal risks, low profit), 40% - to PAMM accounts (the risks are more significant, but the profit is greater), 20% - to others projects.

In addition, within each instrument, funds can also be distributed (for example, make not one, but several bank deposits, make several instead of a single one).

The portfolio described above is the optimal combination of risks and profitability: it provides an almost 100% guarantee of the safety of funds (if not all, then at least part of them), while giving a significant profit.

PAMM-accounts, mutual funds ... Surely an unprepared reader has a question: “What is it all about?”. We will now talk about what investment instruments are and what features they have.

Method 4. Bank deposits

A bank deposit (or a deposit) is an understandable and practically risk-free way of generating passive income. It is implemented as follows: you open a deposit in a bank, deposit a certain amount into a special account, and after a predetermined time period has passed, an income equal to a certain percentage of the amount is credited to the account.

How much can you earn with a bank deposit? No - today the rates in large and well-known banks (and opening deposits in others, perhaps, is not worth it) are at around 7-8% per annum - that is, approximately at the same level as inflation. This means that today deposits help not to increase savings, but to preserve them.

However, where there is less income, there are less risks. Of course, bank bankruptcies are not so rare today, but almost all financial institutions are members of the Deposit Insurance System (Deposit Insurance System). If the bank does not have funds to pay depositors, then another financial institution appointed by the DIA (Deposit Insurance Agency) will do it for it. It should be noted that only savings of up to 1.4 million rubles are covered by the program.

Do you need a bank deposit in the investment portfolio or can you bypass it? Despite the very small profit, the answer is unequivocal - it is necessary. The deposit acts as a financial "safety cushion" - even if all other funds are lost, the money placed in the bank will make it possible not to go bankrupt.

Method 5. mutual funds

(or mutual fund) - a complex in which there are two types of participants: shareholders (people who invest money) and managers (people who manage money for profit; often belong to the same organization).

In a simplified form, the process of functioning of a mutual fund can be described as follows: an investor buys a certain number of shares (securities) and becomes a member of the fund. The money that was deposited into the account for the purchase of shares is used by managers in financial transactions to make a profit. If the income has been received, then it is distributed among the shareholders according to the principle "the more securities, the greater the profit."

10-12 years ago, mutual funds were a very popular investment method - the return / risk ratio was quite high. Today, the situation has changed quite dramatically, and a lot of fraudulent structures have emerged, and therefore, as a rule, mutual funds are not considered by advanced investors today.

Method 6. PAMM accounts

A PAMM account is a method of investment similar to a mutual fund.

The mechanism of functioning is as follows: a group of investors gathers who do not want to trade on Forex on their own, but have capital. Next, the players create a common account and search for a successful specialist who will be able to manage this account. As soon as an agreement is reached between the trader and the investors, the specialist starts trading Forex in order to make a profit.

How much can you earn on PAMM accounts? Depends on the type of trader (you can work with people who adhere to completely different strategies) and on his remuneration (as a rule, 20-30% of the profit, but sometimes more).

For a person who is ready to invest and receive income from this, PAMM accounts are interesting for the following:

• You can "enter" the market even with a small capital (from $ 10)
• you can choose a trader yourself, having complete information about the strategy of his actions and success in previous periods
• money transactions (crediting to the account, payments from the account) are carried out quickly (within 1-2 business days).

Of course, PAMM accounts have their drawbacks. The first (and most important) one is the real possibility of losing all funds. Often, even very successful traders show unsatisfactory results in certain time periods, and for many investors this is enough to be left without money.

The second is the inability to control the actions of the manager. A specialist works according to his own rules, and it is almost always impossible to make sure that he does not invest in one or another asset (which may be unpromising).

PAMM account, despite its shortcomings - good way seriously increase your capital. It is not worth allocating a large percentage of savings to it, but there is definitely a reason to include it in the investment portfolio.

Method 7. Venture investments

Venture investments - (or, as they are also called today, "startups"). Such undertakings differ from others in that they necessarily carry some kind of novelty.

As a rule, a person gushing with ideas does not have the money to fully bring to mind at least one of them. Because of this, he has to cooperate with people who are ready to give money for the development of an undertaking. Of course, not for nothing: if the implementation is successful, the investor who has invested his money will receive a certain percentage of the income.

You can also become such a person. It is quite simple to do this: there are many "start-up" exchanges on the Internet, which you can freely go to, register and study the proposed projects. The opportunity to communicate with the authors is provided - first-hand information will help to make the right choice.

What to keep in mind when making venture capital investments? There are two main points:

1. There are a lot of ideas, and it is impossible to invest in everything. Nevertheless, investing everything in one "startup" is also not worth it. The best option- "golden mean": it is worth choosing several projects (3-4) and distributing funds between them, depending on the expected development of each.
2. You will have to control the progress of the project yourself - there are no managers. When supervising, it is imperative to compare the rates of development of the selected "startups" with each other and, if necessary, redistribute capital.

Method 8. Precious metals, currency

Choosing a way of investing, anyone, no-no, will look at the popular and well-known methods - currency and precious metals. Well, let's talk about them too.

Precious metals listed on a variety of exchanges are gold, silver, platinum and palladium. They have long been a means of storing savings (and at the earliest stages of human history, they completely replaced money).

Despite the widespread belief that it is profitable to invest in precious metals, such savings do not bring large incomes. Moreover, they are unprofitable: at the beginning of 2016 a gram of gold cost more than 3,000 rubles, and today it barely reaches the mark of 2,400 rubles. The situation with platinum is the same: if at the beginning of 2015 it cost 2,700-2,800 rubles per gram, today it is a thousand cheaper.

As for currencies, today too much volatility prevents them from being viewed as an instrument of savings: the rate "jumps" back and forth, and it is almost impossible to predict where it will move in the near future and how much it will change. In the situation with the ruble, oil has a great influence: where the "black gold" goes, so does the Russian currency.

To get some kind of income from savings in precious metals or foreign currency, you need to constantly monitor changes and sell / buy assets. Such activity sooner or later turns into trading, and we are talking about passive income.

The situation is the same with bonds, stocks and futures that can be purchased over the Internet. The profitability is far from the highest, and the risks are high, so I recommend taking a closer look at other investment methods.

Method 9. Internet projects

Finally, the last type of investing over the Internet is investing money in projects on the Web.

As you might guess, this name refers to the most common sites. I have already talked about how they make a profit in this article, so I will not repeat myself.

What is definitely worth mentioning is the payback period of the investment. Depending on the subject of the resource, its traffic and the price requested by the webmaster, it takes from one to two years to return the funds. The term, of course, is rather long, but the return is significant: after this period, the project will bring substantial income, which will almost entirely be a net profit.

Of course, if you have absolutely no knowledge about sites and how they need to be administered, use this method not recommended - the project should not stand still, and in the absence of any changes in it, sooner or later everything will stall. However, even if there is a minimum of information, everything will come with experience, because the main thing is the desire not to stand still and improve in a new sphere for oneself.

Method 10. Passive income through social networks, YouTube

In search of an answer to the question “ how to create passive income? " many come to social networks and video hosting. This step, in general, is completely justified - you can really make money here.

Where can I get them? To increase the number of followers, you can use the following methods:

• advertise in other thematic public pages - people will know that you have a page and will start reading it
• hold contests - investments in prizes (often - literally a few hundred rubles) pay off in multiples (everyone loves a "freebie", albeit a small one)
• "Wind up" subscribers (there are specialized services that significantly increase the number of subscribers for a moderate fee).
• agree with the owners of other "publics" - it is quite possible that they will agree to exchange advertising (you will post information about the partner's page on your resource, which, in turn, will give its subscribers information about your project).

However, I do not plan to abuse the method of "cheating" subscribers - often the pages are "fake", and potential advertisers (those who will bring you money) will not be interested in them.

YouTube and are promising areas for the formation of passive income, because the number of users only increases from year to year. If you manage to create a product that is interesting to other people (and here it is not only information that is important - its presentation, speed, importance, and the like), then profit (mostly passive) will not keep you waiting long.

Method 11. Newsletter information

If you are already well "promoted" and are in search additional sources money, then you can turn your gaze towards the distribution of information.

Have good project there are always enough readers and subscribers who do not want to miss a single update (an interesting photo, article, news or something else). It is a sin not to give them this opportunity by sending out interesting new materials, for example, by e-mail or to an account on a social network.

How is income generated here? In addition to the actual information of interest to the reader, you can add advertisements, referral links, and anything advertisers are willing to pay for in messages. Since messages are almost always read, additional information will not go unnoticed, which means that such ads will be expensive.

5. Financial independence - what is it and how to achieve it?

In conclusion, I want to talk about one issue that may not quite correspond to the topic of the article, but this does not make it less important. It's about financial independence.

What is financial independence? Personally, by this I mean complete material freedom - a person does not depend on work, he has such a passive income, which makes it possible to live with dignity and without “active” earnings.

Is it real or not? Opinions are very different: someone believes that material independence is quite achievable, and is trying to work in this direction. Someone thinks that such a concept is utopian by definition, which means that you should not even try to do something.

Who is right? There is no definite answer to this question. However, this does not mean that passive income is a pipe dream: as you have probably already seen, it is quite possible to achieve it if you try.

Remember, at the very beginning of this article, we discussed how “rich” and “poor” people differ from each other? This section is a kind of logical continuation of this topic. I want to give you some advice, following which, perhaps, will not lead to financial independence in the full sense of the word, but it will definitely help you find the right path.

It may sound pretentious, but it is so - a person who has no goals will never achieve anything. On the contrary, those who have goals will sooner or later come to a result.

The goals must be specific and realistic - otherwise it is not clear what needs to be achieved, and it is also unrealistic to achieve. In addition, the goal must be really important: otherwise there will be no motivation to achieve it.

As soon as the goal is achieved, new benchmarks need to be set. Life is a movement, and one success (even a great one) without development will never have any great significance. It is better to move in small steps, but constantly, than to achieve a lot once and then completely stop.

Material values ​​are, of course, good, but what can they give subsequently? Unlike them, investments in self-development will certainly pay off - maybe not in a material way, but in some other way.

Today useful information getting it is not difficult: the Internet opens up truly endless possibilities in this area. You can, without leaving your home, listen to lectures by the most famous motivators, businessmen, investors and wind up knowledge on your own.

You shouldn't refuse it, motivating it with a lack of time, age or something else. Time, if there is a desire, can always be singled out, and the Russian people once brilliantly said about age: “Live and learn”.

The fundamental principle of the "rich" person is that income is greater than expenses.

Often people do not understand at all where they spend their seemingly rather large salaries and savings. Meanwhile, putting this matter under control is as easy as shelling pears: all you need is a pen and a notebook where all income and expenses will be recorded. If you are an active user modern technology, then you can use office applications (Excel or something similar).

Such a simple step will allow you to quickly determine what costs you can definitely refuse and how much money will remain with you as a result. Excel spreadsheets (if you keep records on a computer) will also allow you to make a forecast of how much money you will have left if you live in the correct economy mode for several months, a year or several years.

If expenses are still more than income, it is worth working in a different direction - it may be worth finding a new one (or additional work), and also look for other sources of active earnings. Without them, in the early stages, nowhere: passive income without active (at first) is impossible, since almost everywhere you need start-up capital.

I talked about where you can make investments - now it remains to apply the knowledge gained in practice.

If you do not have a large enough capital, while its loss will be fatal, I recommend starting only with bank deposits. The risks here are minimal, and during the time the deposit expires, you will save up more money and be able to move on to other types of filling the investment portfolio.

As capital increases, the portfolio needs to be diversified - start using as many instruments as possible. At the same time, you do not need to do it at random: before choosing one or another method, you should study it in detail and only then make a decision whether it is worth using it or is it better to look for something else.

An ideal investment portfolio will generate significant returns even when the state of the largest financial markets is extremely volatile. There are a lot of tools in it, which means that even a complete loss of one source has practically no effect on welfare.

6. Conclusion and conclusions + thematic video

Passive income is a real opportunity to provide for yourself a decent life right now, without experiencing dependence on relatives, the state or anyone else.

There are many ideas, taking into account which, you can begin to form your own passive income. Not all of them are original, but the potential has not been fully used: every idea described in the article, if implemented correctly, will generate income.

One of the most best places to generate income that will appear without any labor costs - the Internet. If you have a little money, knowledge and desire to develop, then be sure: at least one of the ways of passive earnings on the Internet is a reality for you.

However, in order for earnings without any effort to become a reality, it is not enough to realize one idea well - you need to change your mind. You need to treat money as a means of self-development, keep detailed records and spend no more than you earned. Only in this case you will become a truly financially independent person.

This concludes my review of ideas, methods and tips for passive income. If you still have any questions on the topic of the article, be sure to ask them through the comments. If you have something to add to the article, also write to us - real experience is always valuable and interesting to users. Well, I say goodbye to you until the next interesting and useful articles!

Passive income is the dream of a huge number of people. Many are trying to come up with and implement schemes that would provide a stable profit without the participation of the creator. And someone even succeeds.

In this article we will talk about how to learn how to get stable passive income on the Internet.

Is it realistic to receive passive income on the Internet without investment?

Indeed, a large number of people have achieved their dreams - they have learned to receive passive income. But when other people look at them, they only see the tip of the iceberg. They see Internet entrepreneurs or investors who do not work, travel and live for their own pleasure, but at the same time lose sight of the work with which they came to such a life.

I want to disappoint those who believe that on the Internet there are reliable and highly profitable ways of passive earnings without investments, available to a beginner - there is no freebie on the Internet. In order to receive money on the Internet you need:

• To invest money.
• Invest your own time.
• Invest in self-education.

In order to increase your chances of success, you need to use all of these 3 points. Success will directly depend on your diligence and dedication.

How to come to passive income on the Internet?

Yes, online passive income is real. But we found out that nothing will work without investment. The more money you want to make in the future, the harder you need to work in the beginning.

In all fairness, completely passive income is unlikely. But, at a minimum, you can delegate all your responsibilities to hired employees, devoting only a few hours a week just to analyze your earnings.

Below we take a look at 7 of the best ways to generate passive income using the Internet.

1. Selling advertising on the site.

One of the most common methods of passive income on the Internet is the creation and promotion of one or more information sites. This method has several advantages:

• High probability of making a profit. If you do everything right, then receiving the required amount visitors are easy to predict and reach.
• Consistent results. If the site was promoted in "white" ways, then it will attract visitors without the participation of the owner for one to two years. And with minimal administration and upgrades over the years.
• Simplicity. It is not very difficult to achieve results in promoting an information site. There are proven step by step instructions that will allow you to achieve results without professional SEO skills.

How to make money selling ads from the site?

One of the easiest and most effective ways to make money on a website is to place ad units from Yandex and Google on its pages. You can see these blocks on most information sites that are presented on the Internet.

In these blocks, ads will be shown to site visitors, depending on what queries they entered in search engines and what sites you have visited before. This means that this ad will be relevant to visitors, which will ensure a high probability of a click on the ad.

As soon as the visitor clicks on the ad, a certain amount is debited from the advertiser's account, which is divided in half between the ad network and the site owner.

Earnings from contextual advertising strongly depend on the topic of the site and on the number and location of ad units on the page. On average, a webmaster can earn about 3,000 rubles a month from a resource with 1,000 visitors per day.

• Selling links.

Search engines are actively fighting the buying and selling of links. The result of this struggle was that the rental reference market was virtually wiped out.

But perpetual links are still one of the most effective tools for website promotion. Therefore, a huge number of SEO specialists are ready to line up to buy a link from a quality site.

In order to sell a link, you need to register in one of the exchanges of perpetual links, for example: Miralinks.ru and Gogetlinks.net, or sell them directly by posting information about this on your website.

Miralinks link exchange.

• Direct sale of banners.

2. Earnings on affiliate programs.

Another highly profitable way to make money on the Internet is affiliate programs. The essence of affiliates is simple - attracting potential customers through referral links.

Many companies create tiered affiliate programs. This means that if the referral you attracted attracts his referrals, then you will receive money from the company for this. Under such conditions, you can count on passive income, because the more partners you attract, the more money you will receive from their partners.

Where can I find referrals?

3. Investing.

We can say that making money through investments is the most passive. After all, the very concept of investing is that your money works while you relax.

For those who want to try to invest their money and receive from them stable income I have collected all in one article better ways investment and compared them with each other:

In fact, it takes knowledge and experience to become a successful investor. Therefore, for a beginner, it is recommended to choose the least profitable and least risky ways of investing money.

4. Passive income on social networks.

As with your own website, you can earn income on affiliate programs by selling ads if you have a well-promoted group or social media account.

With today's competition, it is unlikely that it will be possible to do this for free, because social networks impose a limit on the number of free friend additions or invitations to a group.

How to recruit members to a group on social networks?

5. Passive income on YouTube.

You can make money on YouTube by earning money for views, selling ads on your channel, or by posting referral links.

The first way to fill the channel with content is to self-shoot videos. For this you do not need professional technique... You can make high-quality video using a regular smartphone.

The way you record videos depends on your topic. You can simply record from the screen. At the same time, you can shoot your face on a webcam and display it in the corner of the video.

Also, you can make your video in the form of a presentation. Record your voice separately and apply it to your slides using your standard presentation software or video editor.

6. Internet business.

Another way to make a passive income on the Internet is to create and automate a business. The Internet makes it easy to automate business processes, which makes it easier to generate passive income.

Of course, at the first stage you will have to actively participate in the promotion and creation of your online business. But gradually, you will be able to devote less and less time to it, while receiving a stable income.

What types of internet businesses are there?

• Online store.

In order to create an online store, you do not need to rent a warehouse and fill it with goods. You can use dropshipping and sell products that are available from another online store.

To do this, you need to create an online store. After that, agree with another online store that you will regularly buy goods from them and negotiate a discount for the fact that you will buy constantly.

After that, fill your site with products that are posted on the partner online store. Set about the same prices and start attracting visitors.

To attract visitors, you can use SEO optimization, contextual advertising, social networks, etc. After a client orders a product from you, you buy it in a partner online store and resell it to the client, earning a discount.

You can arrange delivery yourself or arrange for an online partner to send the package on your behalf.

• Services.

You can choose any service, even if you don’t know how to do anything. You can design, legal services, repairs, etc.

To do this, you need to create a selling site or a group or an account on social networks. After that, find a specialist in the field in which you decided to start a business. You can hire him for a salary, as an employee, or take him as a partner.

After that, you will separate: you will be engaged in the promotion of a site or a group and generate a stream of customers. The specialist will do the job by providing services to clients.

If you cannot find such a specialist, then you can come or call any company and offer to attract them additional clients, receiving a reward for this.

• Service.

To do this, you need to be an expert in the area in which you plan to build such a business. It can be access to a closed database or a useful service that solves the problem of users.

• Infobusiness.

Selling information via the Internet is one of the most profitable ways to make money. The fact is that the monetary costs of creating information products are minimal, and they can be sold an infinite number of times.

The most common type of information products are training courses. In our information-laden times, it is getting harder and harder to sell information. But with the right approach, this type of income is still very profitable.

7. Mailing.

Many businessmen point out that e-mail newsletter is the most effective and profitable way to make money on the Internet. But we are not talking about spam, but about the case when users voluntarily leave their email address.

You can collect a subscriber base using the subscription form on the site, advertising the capture page using paid advertising methods, changing your e-mail to some useful information, etc. And mailing is carried out using special services such as Mailchimp.com, Smartresponder.ru, Justclick.ru, Getresponse.ru.

In order for subscribers to read your newsletter willingly and not to unsubscribe from it, you need to send them useful information in 70-90% of emails. And only 10-30% need to send letters with advertising or a call to buy.

Hello, dear readers of the SlonoDrom.ru magazine! Almost every one of us sometime thinks about where to invest money so that they work and bring a monthly income ??

There are actually a huge number of investment options! Not all of them are effective, and what to hide often there are simply fraudulent organizations whose sole purpose is to get money and hide with them forever. I know about this firsthand !?

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

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

And most importantly, I will share with you my life experience , specific examples and useful tips that will allow you to invest money correctly and get high passive income !?

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

Plus you will learn:

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

Sit back and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded !?

1. What is important to know about investments?

First what you need to know before investing your money anywhere is that you need to invest only your own free funds ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.

Nobody gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).

This must always be remembered, because investments can bring both profit and loss!

Secondly, before investing your money somewhere, you need to actually assess what kind of risks and what profitability can be obtained from one or another attachment.

Usually the risk is proportional to the income, i.e. the higher the yield, the higher the risks and vice versa. But this rule does not always work.

But in any case, he who does not take risks does not earn. It is always necessary to take a meaningful risk !?

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

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

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

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

For example, you can distribute like this:

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

❗️Important:
You do not need to invest all your money only in instruments with very high profitability, since in this case the risk of losing your money will also be very high!

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

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

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

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

2. Where better to invest in 2019 - TOP 15 profitable investment options

So, let's finally consider the options and decide where you can profitably invest your money so that they bring income!

Option # 1: Bank deposits / savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 6% to 8%.

V last years deposit rates are falling steadily and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

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

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

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

But naturally there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

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

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

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

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

CONCLUSION: With proper management, shares can bring good returns, several times higher than the interest rate on bank deposits. But at the same time, they belong to more risky assets.

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

Option # 4: Bonds

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

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

For those who do not know, a bond, in a simple way, is an IOU. Only large companies and states can act as borrowers.

? By the way, Sberbank and VTB24 recently started selling national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyX .

I agree, not very much, but the rate is certainly better than most of those available on this moment bank deposits. Moreover, in the future, the rates on deposits may decrease.

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

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

I also note that there are bonds, the yield on which can be dozens and hundreds of percent ... But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are capable of generating a fairly high income, they are a very risky investment.

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

CONCLUSION: Bonds are suitable for those looking to earn an average yield with a relatively high guarantee.

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

Option # 5: Forex

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

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

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, was 30,000 rubles(of which the broker's commission is about 600-800 rubles).

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

When trading currency on your own, it is very important to have trading experience from knowledge of the foreign exchange market ... Climbing into the foreign exchange market just like that, in the hope of easy money is not worth it (and when did I do exactly that?), As this usually leads to serious losses.

It is important to note that in personal trading, you need to follow a proven trading strategy, otherwise the trade is likely to turn into a casino and lead to a sad outcome known in advance.

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

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

As for me, one of the most effective trading strategies for day bars is Price Action. Many articles have been written about her on the Internet - read it for anyone interested!

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

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

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

Option # 6: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who have no experience and no time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).

That is, in this case, you entrust your money to traders - those who are professionally engaged in trading in the financial markets.

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

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

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

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

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

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

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

PAMM-account "Lucky Pound" and its profitability (click to enlarge)

? Over 500,000 dollars have been invested in this PAMM (trader's) account, its profitability for 3 years and 8 months was 2051%.

However, it should be borne in mind that despite the fact that in the past the accounts / portfolios showed good returns, in the future there is a possibility that they will turn out to be unprofitable.

So again, don't invest all your money in one trader! Constantly monitor the situation and get rid of accounts / portfolios that bring losses for a long period. This is the whole secret of investment!

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

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

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

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

Immediately I want to tell you a few words about the so-called "structured products".

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

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

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

Here is an example of structured products at Alpari:

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

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

Option number 7: Own / partner business

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

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

Alternatively, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

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

I myself have started a successful business from scratch several times! By the way, if we turn to statistics, then among millionaires about 70-80% Are entrepreneurs who started a business from scratch!

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

As Confucius said:
« Choose a job you like and you won't have to work a single day in your life!«

And how to find your favorite job / life's work - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even a small one at first. The main thing in this business is not to be afraid. take the first step!

Think you have always wanted to open your own body shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

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

I will also give you several options from my experience, how you can start a business with minimal investment, I think it will be interesting for you !?

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

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

Another area where large investments are not required and it is not so difficult to start is the wholesale business via the Internet.

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

In short, the essence of dropshipping is that you work with a supplier who ships the product directly to the customer. He sells his goods and from this he has income, and you get your markup on the sale.

Read more about how to organize - read in a separate article!

CONCLUSION: The business is able to bring very high profitability with minimal investment. In addition, a business can be turned into a favorite thing, which is interesting and you want to do it!

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

Option number 8: Mutual investment funds

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

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

Absolutely any person can become a depositor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, the shareholders receive a profit or loss.

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

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

Profitability of mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

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

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

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

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

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

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

Option # 9: Microfinance Organizations (MFOs)

DESCRIPTION: Another type of investment is investing in an MFI. The return on such investments on average ranges from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).

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

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

If you nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.

⭐️ Good advice!
Look primarily at the “age” of the MFI, not the interest rate that you are promised.

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

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and safer to invest in real estate than in an MFO! ?

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others !?

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But at the same time there are corresponding risks. And the entrance threshold is rather big, to put it mildly.

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

Option number 10: Precious metals

DESCRIPTION: Another one to many famous species investments are investments in precious metals, in particular in gold. Moreover, such investments are highly reliable!

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

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

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

Gold Prices - Chart

❗️ Over the past 5 years, gold in rubles has grown from 1600 rubles per gram to 2400 rubles / gram.

The total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and then such a yield was obtained thanks to serious devaluation of the ruble.

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

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to preserve them.

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

Option number 11: Cryptocurrencies (bitcoin)

DESCRIPTION: Over the past, Bitcoin has grown more than once and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.

Of course, the most the best time for investments it was a few years ago, when bitcoin was worth about 150-200 dollars.

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

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

Moreover, while cryptocurrencies are showing a steady growing trend.

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

For example, Bitcoin in just a day can rise or fall by 10-25% - this is quite common here. And in a year you can both increase your investments 3-10 times, and lose almost everything!

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

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

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to make money in this global network.

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

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to get high profitability through advertising. Usually, the site starts to generate the first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn about 200-3000 rubles in a day. The spread is very large, since what kind of income you receive depends on the topic of the site.

Earning money on sites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning, you will need to grasp the essence and understand the key details of such a business.

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

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

Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right topic for a public, post high-quality and interesting content and develop a public, then you won't have to wait long for success!

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

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

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

But in this case, experience plays the main role, without it anywhere!

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

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

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

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

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

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

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent partner commissions from airlines.

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

Here, as elsewhere, it is the idea that plays a key role - the success or failure of the application depends on it.

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

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

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

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of depositors mainly earn money - who managed to withdraw money with a profit until the HYIP turned into a "scam" (stopped paying money).

And yet, I strongly advise you not to invest in HYIPs, especially if you don't know much about this.

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

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

Option # 13: Venture funds / investments

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

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

A distinctive feature of venture capital investments is a very, very high profitability, they are capable of bringing thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot out and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

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

In 2 years, Apple shares have risen by about 5000 times! So if you were investing in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .

There are basically several ways to invest in start-up projects:

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

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

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widespread - investment sites may turn out to be financial pyramids.

Option number 14: Objects of art

DESCRIPTION: Another unusual way to invest your money is to invest in art. This is a fairly narrow and specialized market, but it can still generate good returns.

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

❗️ Only important feature at the same time - such investments often require large investments ... And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investment in precious metals, investment in art is not subject to inflation and will only cost more over time.

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

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

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

Option number 15: Knowledge and own development

DESCRIPTION: As incredible as it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience ...).

You need to understand that first of all it is knowledge / experience, and not money allows you to earn and increase your own.

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

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

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

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

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

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

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

3. Golden rules of correct investing - TOP-5 tips

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

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

Instead of investing everything in one instrument, divide the amount equally into several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

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

Second- try to invest most of your funds (40-60%) in assets with the lowest risk, the best choice between profitability and risk, as for me, is real estate.

And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then go in and invest all your money in high-risk instruments: Forex, stocks, bitcoins ... hoping that you will quickly multiply them is by no means worth it.

Believe me, this is a tried and tested path, on which hundreds of millions of rubles have been lost!

It will allow you to get through bad times and find other sources of income.

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

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

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

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

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

In this section of the article, I will tell you where, from my own experience, I would have invested money, having available this or that amount of investment!

I will not consider very risky investment options in these examples. Consider only conservative and moderate risk investments.

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

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

Alternatively, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

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

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

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

If there is an option within this amount to purchase the property during the construction phase, you can invest in it.

- Where to invest a million rubles?

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

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of the foundation pit.

Or as an option:

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

5. Where is it better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to get caught by scammers.

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

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with a nose.

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

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

Money does not come out of nowhere, if someone receives money, then surely someone will part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, any plausible story can be created, as if the project really functions (provides any services), but in fact the organizers of this project only earn from the investments of gullible people.

Sometimes the "history" of a project is so well created and worked out that fraud can be detected common man very hard.

HYIPs(which we talked about earlier), in fact, are also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to make money on them, but experience is required). Also, here you can add various casinos and other methods that promise "easy" money.

Another controversial investment tool is sports betting... It is realistic to make money on them in the long term, but only the organizers of the bets and 5-10% of the participants (those who are in the subject) do it, and the rest only constantly lose money.

I will also highlight another type of common fraud on the Internet - this is the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw your money away (tested on your own skin?).

Thus, you need to invest in what you are good at! Otherwise, those who are well versed in what you don’t know will profit from you! This is my sad experience.?

If you are not yet particularly versed in this or that investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable ways of investing money.

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

I hope my experience for some of you turned out to be at least a little valuable and you have already decided on where to invest your money! ?

I emphasize once again that, in my experience, the most profitable investment Are attachments your own business / business and knowledge !

❓❓❓
Where do you think it is better to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you a successful and profitable investment! ???

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