Investing money at interest - where you can profitably invest money to earn profit. Smart investment. What is the most profitable thing to invest money in now? Where to invest money profitably and reliably

How to reduce risks

How to reduce labor intensity

How much money to invest

Current types of low-risk investments

What to look for when choosing where to invest money

To understand whether it is worth investing in a particular source of income, you must first determine the criteria by which it will be determined whether this is a worthwhile venture or not.

If we limit ourselves to three simple criteria, we would like to highlight the following:

Profitability

Profitability is undoubtedly one of the determining factors when choosing where to invest money in order to earn money. It is most often measured as a percentage per annum on the amount of invested capital and determines how much the capital will increase in a year, that is, how much the investor will earn. If we want the invested money to work, and not just save it, then at a minimum, the level of return must be higher than the level of annual inflation. At the moment, bank deposits in Moscow cannot boast of this, since the average rate on them is about 8.5% - this is lower than the average annual inflation, which over the last three years until 2017 was 9.9%. Therefore, in order to invest money at a high interest rate and make money on it, you need to use other opportunities, which we will consider below.

Risks

The level of risk is also the main criterion when choosing where to invest money at interest. Risks are the likelihood of events occurring in which an investor could lose profits or even their investments. If, when considering ready-made investment proposals, the amount of profitability is most often immediately determined, then the quantitative assessment of risks is almost always unknown. This is due to the fact that it is often very difficult to predict the likelihood of certain negative consequences. And not all consequences can be determined. Therefore, when choosing where to put money at interest, it is best to understand for yourself how the project actually makes money, how long this process has been established, and whether a situation may arise in which something goes wrong. If you do not have sufficient experience in these processes, then it is better to involve experts who understand and understand this. You also need to understand that most often, the higher the profitability, the higher the risks. If you are a novice investor, then at the initial stage it is better to invest money at a small percentage, and as you gain experience, switch to more profitable offers at a high percentage.

Labor intensity

If in pure investing, when you invest money and do nothing else, it is enough, in our opinion, to understand the levels of profitability and risks, then, for example, when investing money in your own business, an additional factor appears, such as labor intensity - this is the amount of working time spent, multiplied by the experience and expertise of the performers. In other words, how much time you or your team will spend developing the business, and how much knowledge and skills you have. The development of your own project can have the highest profitability: hundreds or even thousands of percent per annum, but at the same time the required labor intensity of the process greatly increases, especially if you independently participate in business processes. In this case, risks have an inverse relationship with the experience and expertise of the team, that is, the more experience and knowledge, the less risks.

Where to invest money in 2020 so as not to lose - advice from Moscow experts

When there is an understanding of what factors are decisive when choosing where to invest money so that it works, you can already consider and evaluate specific investments, which is what we will do now.

All options will be related to secured loans in one way or another.

We believe that such investments, for objective reasons, are the least risky, but at the same time they have high returns.

At the same time, everyone will be able to find a type that is acceptable to them, based on possible labor costs and the availability of expertise.

To begin with, we’ll tell you in more detail what secured loans are and why the risks are minimal. Secured loans are loans issued by financial companies (MFOs, credit unions, car pawnshops, leasing companies) or private lenders secured by real estate and cars. All this activity is legal and regulated by the relevant laws of the Russian Federation. The rates on such loans are much higher than those on bank loans, averaging from 40% to 100% per annum. Borrowers are most often entrepreneurs - the level of profitability of their business allows them to cover high interest rates, and they do not have the opportunity to undergo long and thorough bank checks. The second category of borrowers are people with a damaged credit history, for whom the road to banks is closed. Or people who are unable to confirm their unofficial income.

All loans are issued either secured by real estate or secured by cars. In this case, the maximum loan amount most often does not exceed 50% of the market value of the collateral, and the loan term is usually no more than one year. If the borrower cannot repay the loan, the collateral is sold at market value, which makes it possible to cover both the principal amount and the accrued interest. If there is a difference, it is transferred to the borrower.

It is the presence of collateral that ensures a minimum level of risks for the investor, financial companies and this activity in general.

In 2020, as experts note, activities with collateral loans have become especially popular and in demand among borrowers, while worthy players have appeared in the non-bank lending market, allowing ordinary individuals to invest money in this area without any labor costs and not only not to lose, but also make good money on this, receiving your interest with a guarantee secured by the presence of collateral.

Now that we have figured out how it works and why the risks are minimal, let’s move on to considering specific types of investments, their profitability and labor intensity. There are three options in total:

• Profitable treasures from 14% to 22% per annum
• Investing-Easy at 24% per annum
• Investing-Profi up to 100% per annum

Let’s look at each of the options in a little more detail, and you can find out more about each by clicking on the corresponding link, where you can also leave an application for participation in the corresponding program.

Profitable savings

This type is suitable for those who do not want or cannot devote time to investing. Everything is simple here: you invest money and receive income upon expiration or in monthly payments, depending on the type of savings. No labor costs on the part of the investor, but the profitability is not the highest, but 2.5 times higher than bank deposits - from 14% to 22% per annum. Profitable savings are suitable for those who want to invest, for example, 100,000 rubles, since the minimum amount is 1,000 rubles. Companies accepting savings:

This type is for those who want to dive deeper into investing in secured loans and get a higher return on investment than regular deposits. Here, the investor himself issues secured loans on his own behalf, but all other business processes, such as searching for borrowers, underwriting (risk assessment and verification of the borrower), collateral assessment, drawing up contracts, accepting payments and others, are carried out by qualified specialists. The investor's labor costs include reviewing and selecting investment proposals and attending the conclusion of the contract. Yield 24% per annum. Suitable if you have an investment of 300,000 rubles, optimally invest 500,000 rubles or more.

The most profitable, but also the most labor-intensive type of investment. This method is suitable for those who are well versed in secured loans. Unlike the previous method, all business processes, except for searching for borrowers, must be carried out independently. Profitability up to 100% per annum. A good option where to invest 1,000,000 rubles and within a year and a half earn a million rubles on top.

Where is it profitable to invest money at interest - comparison of options

• Risks
• Payments
• Labor intensity
• Investment amount

Living without a financial reserve for a rainy day is a very reckless decision. Even despite the difficult situation in the country, you can reconsider your family’s budget so that you can start saving money, thus creating a financial safety net. Soon, the question will inevitably arise about where to invest money at a high interest rate, because experts never tire of repeating that finances should work, and not lie as a dead weight somewhere in the closet.

Deposit as a savings tool

A bank deposit is the most common and simplest method of saving money. Unfortunately, only conservation, not increase. However, if your savings are still small, then you can use bank deposit programs as a tool for accumulating an amount sufficient to invest in other projects. At the same time, there is often a desire to invest money at a high interest rate, because you want to get the maximum benefit. However, there is a simple rule in the banking market: the highest interest rates are offered by young and little-known banks, while old and proven organizations that survived the previous crisis maintain a more moderate interest rate. Is it worth the risk by trusting your little money to a fly-by-night bank?

Of all the banks operating in our country, Sberbank of Russia enjoys global support and trust of depositors. It is this bank that opens the largest number of deposit accounts, accepting deposits from the public. The maximum interest rate on ruble deposits is 9.07% per annum on a deposit without the possibility of replenishment and partial withdrawal. Is it possible to invest money at a high interest rate in Sberbank? Of course it is possible. In this case, it is necessary to take into account the projected inflation for the entire term of the deposit. You won't be able to get rich using deposit accounts, but you can save and accumulate money for future investments. In addition, the habit of saving part of your profit disciplines you and sets you up for capital accumulation.

Where to invest money at a high interest rate: choosing the type of investment

A deposit account in a reliable bank is considered one of the most risk-free, with minimal income. For many, peace of mind is more valuable than probable profit, although this cannot be called a progressive point of view. This is largely due to lack of confidence in one’s own abilities or lack of appropriate knowledge and skills. Where else can you invest money at a high interest rate to significantly increase your capital?

In most cases, experts offer the following areas of investment:

• real estate and ;
• securities (stocks and bonds);
• all kinds of mutual funds, PAMM accounts, playing on the Forex currency exchange;
• own business;
• other types of investment.

Each of these areas is good in its own way, carries its own risks and offers varying degrees of profit. Let's consider all types of investing in more detail.

Investments in real estate and precious metals

There are short-term and long-term investments. Real estate is a long-term investment and can actually bring good profits. You can invest money at a high interest rate by purchasing a certain amount of bank gold. The ingot must be stored in special conditions, since its unsatisfactory condition (scratches, dents) can reduce its selling price. It will be possible to say that the invested capital has increased significantly in ten to twenty years, or even more.

The situation is approximately the same with real estate, however, there are some nuances here too. The real estate market fluctuates, a drop in price below the purchase price is a definite loss. It is also possible that the purchased property is located on a site that will be rebuilt. Nobody wants their investment to be demolished; this is additional hassle and possible losses.

and bonds

Securities have high liquidity, especially if you are lucky enough to invest money in a bank at a high interest rate in reliable shares of a promising company or in profitable bonds. To calculate the reliability and profitability of such an investment, you either need to understand the securities market well enough yourself, or find a good investment consultant.

Shares, of course, do not pay fixed interest, however, as a shareholder of a profitable enterprise, you have the right to count on your share of the profits. Dividends can be compared to high interest; ultimately, this is also a profit received as a result of investing funds. In addition, the shares of a promising company are growing in price quite quickly and steadily.

"Forex", PAMM and mutual funds

Trading on the Forex currency exchange can be more than profitable, and this makes many novice traders dizzy. Advertising on the Internet assures that practically nothing is required - you just need a computer, a certain amount of money to start trading, and you will become a millionaire. You can profitably invest money at interest received as a profit after selling the currency that has risen in price. In practice, most novice traders go broke without having time to really understand the rules of the game. The probability of big profits here is accompanied by high risks.

PAMM accounts also belong to the Forex market, only in this case you trust your money to be managed by a more experienced trader, while counting on a portion of the profit.
A PAMM account is in many ways calmer, all decisions are made by the manager, but this does not reduce the risks. This is where the human factor comes into play; the manager may make a mistake with the transaction, and your contribution will be lost.

A mutual fund is a mutual fund. You can invest money as a share through a bank, and you will also need a manager or manager who will manage all investment matters. The risks here are somewhat lower than in the Forex market, but the success of investments in this case is also very unpredictable.

Own business

You can look for ways to invest money at a high interest rate per month and hope that the bank’s license will not be revoked, and inflation will remain within some decent limits. However, there is a more dynamic option - to open your own profitable business. Depending on the chosen direction of work, profitability can reach 300%; no bank will provide such an increase in wealth.

Of course, you will first need to study the issue, invest money and wait for the first time until the business reaches self-sufficiency. If you manage to achieve return on investment and self-sufficiency within a year, this is a great start, however, a longer period, from three to five years, is not considered a disaster, provided there is stable development and a positive forecast.

Every advanced person thinks about where it is better to invest money.

Demand creates supply, and today investors are offered dozens of places where investing money can be a profitable idea. Let's review the most accessible and interesting options where you can invest money in 2020, compare their pros and cons, conditions and benefits!

Where to invest money - Startups

It is this broker who owns the PAMM Account trademark, since it was he who came up with this system.

Profit in this type of trust management borders on an average of 4-6% per month or 80-120% per annum if we take into account reinvestment. Moreover, it is reinvestment that allows you to multiply your own profits and allow you to! This is a very high percentage, despite the fact that with portfolio investments there are practically no risks, and the minimum investment starts from $10. As you can see, this is a place where absolutely anyone can invest a little money.

Alpari provides all the statistics and data about the manager’s work, displays his transactions and trading volumes. At the moment, there are PAMM accounts that have been operating for more than 4 years and bring stable profits. Since managers have different trading strategies, the profitability of individual PAMM accounts varies. If conservative ones bring 4-6% per month, then aggressive ones can give out in one month!

Risk control

By investing simultaneously in 10-15 different PAMM accounts, you reduce risks to the bare minimum. If one account for the reporting month brings a loss, then the others will cover this loss with their profit.

PAMM accounts are available to everyone; from the moment of registration with a broker to investment it will take no more than 10 minutes.

You will find more detailed information about investments in PAMM on this blog, which is dedicated to them.

pros

High profitability, virtually no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.

Minuses

After five years of investing, I still haven’t found any downsides. This is a great opportunity to have.

Investing in the Stock Market

If money is put in a bank for safekeeping, then it is invested in the stock market to benefit from it. The stock market is a platform where securities, goods and even services are bought and sold. The main platforms are stock exchanges. In Russia it is Moscow Exchange— merger of two previously separate platforms, MICEX and RTS.

It is not the investor himself who has the right to trade directly on world exchanges, but an intermediary - a broker with the appropriate license. An investor opens a trading account with a broker and through it buys stock assets, such as securities and others.

Investments in Options

For me it very profitable type of investment. Not long ago I tried all the possibilities and am ready to tell you everything in detail.

A binary option is a contract where the price of an asset will rise or fall within a time period that you set. If your condition is met - the price of the asset rises or falls according to your forecast at the set time, then you make a profit. Everything is arranged in such a way that even a child will understand.

The best way is to give an example:

• You are buying a binary option on a stock Microsoft for 1 hour and indicate that the price will rise. If after an hour, the price of Microsoft shares is higher than at the time of purchasing the option, you receive 80% of the profit. If you invested $100, in an hour you could earn 80 dollars.

You can invest in options for periods from one minute to a week; you set the investment period yourself. The assets include shares of the largest companies in the world, such as Gazprom, facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. And also among the assets there are assets of the commodity market (oil, gas, gold), stock indices, currencies...

How to make money investing in options?

Yes, very simple! Only follow the news. If you find out that Toyota Tomorrow starts sales of a new series of cars, this means their shares will rise tomorrow. All you need to do is invest in a Toyota stock option with the condition that the price rises for 1 day or even an hour at the peak of the day or at the very beginning of it. If you find out that a tsunami flooded a Toyota plant, then their shares will fall and you can invest in an option with the condition that the price will fall.

Thus, you see that you can make money not only on the growth of shares, but also on the fall. And there is a lot of news about companies every day, and thanks to the large number of assets, you can invest in options every day. It is enough to make only 2 successful trades per day in order to earn more than $5,000 per month.

Here's a recent example as a guide:

Step 1 - select an asset. I chose Facebook shares using binary options:

Step 2 - Specify the option expiration time and forecast. I set the option expiration time to 21:35, since it is now 21:25, I will invest for 10 minutes. In this case, I predicted an increase in the stock price and pressed the button UP:

Step 3 - Make a profit. 10 minutes passed quickly, and Facebook shares managed to rise slightly in price:

pros

This is the most highly profitable investment; in just 5-15 minutes you can get 70% profit. There are many trades you can make every day. Assets include the stock, commodity and foreign exchange markets. Available to absolutely everyone, the minimum investment is only $25.

Minuses

High returns come with high risks. Successful investment requires preparation and careful analysis of the asset. Due to the possibilities of super short-term investments, an investor must have psychological stability and have his own strategy.

Investments in shares

quite an old and classic method. There are different ways to invest in stocks depending on the company. Average stock returns fluctuate from 10 to 20% per annum.

But there are exceptions, for example, Nvidia shares gained 200% in 2017.

For established companies, on average, growth can be 5% per year. For example, Google is already a huge business, imagine what it needs to do to increase its value by 100% in half a year? It's practically impossible. But for a small pizzeria, it is enough to open a couple of new restaurants and conclude lucrative contracts in order to increase 500% in a couple of months.

You will be able to see in practice how shares are bought and sold on stock exchanges NASDAQ, XETRA, and other exchanges with the broker (minimum deposit to open an account is $250). There you can, Microsoft and more than 1000 companies from all over the world.

In addition to already established billion-dollar companies, new ones are constantly appearing, the shares of which are very cheap, but their potential, as well as their price, can increase thousands of times. For example, the same Apple was once a small startup.

If you do not want to risk a lot of money, but want to make money on shares, CFD contracts are an ideal option - this is trading on price differences.

There are more than 1000 shares in different directions, for example Adobe, Electronic Arts, AMD, Ford and so on.

I really like trading with the broker, I have been working with this broker for many years and above you saw an example of a transaction from the options department of this broker.

Now I will show you an example of a stock transaction. To buy shares, I went to the trading platform, selected Ferrari shares and clicked the button BUY:

A little later, Ferrari shares rose in price, as did my profits:

At this moment, the profit is still floating, as it depends on the stock price, which continues to change. To make a profit in your account, you need to sell the shares, that is, close the deal, which is what I did:

Now my account has been credited with profit in $73,2 :

It must be said that the broker’s assets include not only stocks, but also all currency pairs, indices and commodities, energy resources and others.

pros

Shares can provide good returns, benefits and can be a long-term investment.

Minuses

The market can be unstable and needs to be constantly analyzed. Although portfolio investments are quite stable even in times of crisis.

Compared to bank deposits investing in the stock market are considered significantly more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment. More voluminous in terms of money and types of companies is the foreign market, where even children know about shares. mainly based on shares. But in order to successfully invest in shares, it is not enough just to have money to deposit; you need to have a good understanding of business and be able to predict.

Investments in the foreign exchange market

Unlike the previous option, the Forex market is poorly suited for long-term investors. For many people, the Forex market has negative associations, but this is in vain, since it is in this market that all the money in the world is collected. And as a rule, where there is money, there are problems. Big and unregulated money has given rise to many schemes, but today the market continues to operate at full capacity.

I can’t help but consider Forex as an investment tool, even short-term (2-8 weeks). Even with a small amount, you can earn a large percentage of profit here, but not everyone can do this, since it is necessary to analyze the economy, politics of countries, and monitor the situation.

For example, after analyzing the Japanese economy, waiting for a good moment - a new decision on rates, a new development program... you can open one deal for 2-8 weeks and make a good profit.

I view Forex not as short-term and quick trading, but as more rare and long-duration transactions that can bring a large percentage of profit.

By the way, large traders, banks and organizations work on these principles.

pros

A lot of freedom, a large selection of assets, the availability of information is the same for everyone, low initial amounts.

Minuses

The market can be unstable and needs to be constantly analyzed.

Investing in metals

Buy physical gold Saving for future use is one of the long-standing traditions of saving money. And these days, gold bars are available for free sale in almost all banks in many countries, including Russia, Ukraine, and Belarus. A gold bar can have different weights, it varies from 1 gram to 1 kilogram. Each bank sets its own price for it.

Note that: Over the past 15 years, gold has experienced a price boom, but since 2012 it has been inexorably losing value. Today, the future is gold, and investments in gold can only be long-term.

This precious metal will not lose its basic value, but even a small drop in price can bring losses to the investor, because not only capital is lost, but also time.

For me, gold (as a physical material) is still a dead asset, uninteresting. It cannot be controlled; it is illiquid.

A few years ago, Warren Buffett sold all his gold assets and was right. I believe that in 2020 there is no need to rush to invest in gold, at least it is worth waiting until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that since 2017, mutual funds dealing with gold have suffered losses.

pros

Metals have a certain physical reserve, so there is no need to expect strong drops in price. Metals are long-term and reliable investments. Investments in metals are available to almost everyone who has a bank account.

Minuses

The price of metals varies greatly among different economies. You should not count on a large percentage of profit. When selling gold in a bank, you must pay a tax of 13%, this is the percentage that can be achieved over several years of investment.

Where to reliably invest money - Bank deposits

Today, the most popular way for Russians to save money is to invest in a bank deposit. It inspires more confidence among citizens than investing in investment funds. Perhaps this is due to the inertia of thinking, because in Soviet times it was possible to invest personal funds only in a savings bank.

I would say that people do not invest money in banks, but simply deposit them . The only exceptions can be very, very large amounts.

Interest profits at bank rates are small, on average 7-9% per annum, and the state insures each deposit up to 1,400,000 rubles against unforeseen circumstances.

Among the most reliable banks:

• Sberbank (sbrf.ru)
• Vneshtorgbank (VTB) St. Petersburg (vtb.ru)
• Gazprombank (gazprombank.ru)
• Rosselkhozbank (rshb.ru)

They offer not the largest, but stable and reliable annual interest rates: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are a place where anyone can invest money, but it’s difficult to call it an investment. Only the banker can earn money in the bank, and the depositor can only save his funds.

pros

The advantages are that banks are relatively reliable and you will definitely save your funds.

Minuses

7-10% yield is not justified, since the inflation rate is exactly at this level. It's hard to call it an investment.

Where to invest money - mutual fund

Mutual Investment Funds are also one of the types of capital investments where it is profitable to invest money relative to the bank. Mutual funds are created to attract investments for the purpose of trading on commodity and stock exchanges, as well as real estate transactions. Mutual funds have long been the most popular places where not every person on the street could invest money.

There are several types of mutual funds

• Open type mutual fund— here you can freely buy or sell shares.
• Interval type pif— shares are sold only after a certain time.
• Closed type mutual fund— do not accept deposits from private investors. Typically, profits are paid at the end of the year.

A mutual fund can be considered as a trust management - you buy shares, and your money is managed by the company, as a result of which the prices of the shares rise.

The return on these deposits is not high; many mutual funds often experience losses. For some reason, I never liked such organizations, at a time when now anyone can open foreign publications, look at the portfolios of successful people and buy shares of the same companies. This gives you a lot more freedom.

• //pif.investfunds.ru/ratings/
• //www.nlu.ru/pif-doxod-renking.htm

If you decide to invest money in a mutual fund, I advise you to carefully study not only the company itself, but also the market prospects, and also ask for plans, ask questions about the future of the market of managers and make sure that they are confident in their actions and know how they will act in different situations.

Mutual funds are managed by professionals, but even they cannot stop the fall in prices. In this case, you should not rush to sell shares. We need to wait until they rise in price again. In any case, in order to remain profitable, you need to invest in mutual funds for a long term of several years.

In order to earn money and be able to make money, you need to have substantial capital.

For the most part, investments in successful mutual funds start from half a million rubles.

At the same time, you need to understand that it is safer to invest simultaneously in several different mutual funds. Also, for a successful investment, you need to understand and understand the stock market, shares and the current state of the market, and other economic factors.

I would call ETF shares (exchange-traded funds) a good alternative. These are foreign analogues of mutual funds, only instead of shares, their maturity dates, withdrawal of money... here they are just shares. You can buy shares of the fund and sell them at any time.

pros

A good mutual fund is highly reliable, as it is regulated by the state. In good years, profits can be up to 40% per annum. Limited risks depending on the specific conditions of each mutual fund.

Minuses

Lengthy process of transferring and receiving money. If you do not live in the city where the mutual fund is located, then investments will be extremely inconvenient (signatures, documents, transfers). Good mutual funds may have high minimum investment thresholds.

Art objects

One hundred percent return is not that uncommon in this free market. But only smart investors with good taste can sense what exactly may have the greatest investment potential.

250,000% per annum

The most reliable investments are investments in famous artists of the last century. For example, Andy Warhol's painting "Lemon Marilyn" was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.

Among contemporary artists, you should choose the most active ones, who regularly exhibit in galleries and are advertised in every way. Paintings by such artists can rise in price by 100-300% per year, while paintings by famous contemporary artists can be bought from 10-20 thousand dollars. It is worth saying that the main buyers of art are not amateurs and collectors, but financial market players.

Not all investors understand painting or artists, but this does not prevent them from making money from it. Such investors attract special consultants, who make an objective assessment of the asset, verify its authenticity, and accompany the buying and selling process.

The payback period for an online business is approximately one to two years.

If you invest $60,000 in two projects, then in 2 years you can make a profit of 80-100 thousand dollars.

Nowadays, the topic of creating websites for the Amazon affiliate program and the like is very popular. Websites are made in English, Spanish, French and other languages, for countries with high solvency. By posting a short post about a new product or interesting find on Amazon or another online store, you can easily interest locals.

You need to invest in developing a website or theme for WordPress, Joomla or another blogging platform. It is necessary to analyze the niche and collect key requests - payment for SEO services. Next, for these requests, you need to order copywriters to write articles in the desired language. It is important to check the copywriter with another person - an editor, they usually take 10% of the cost of the article. Social networks are best suited for promotion - Facebook, Instagram, or depending on the country.

pros

A successful project can quickly pay for itself several times over and continue to generate profits for the rest of the time.

Minuses

Investments in websites can only be made with a full understanding of the matter, preferably with participation.

Where to invest big money - Real Estate Investments

Let's start with an example. There is a villa in Greece that is rented out to tourists. The villa is large, beautiful, with staff. The approximate original cost of the villa is about a million dollars. It rents for 4,000 per week (8 people). Quite affordable for the company. They clean every day, the villa already has food and a dozen bottles of alcohol, a heated pool and jacuzzi, a children's playground, a sea view and much more.

Why, having a villa worth a million, rent it out for 4,000? After all, half will definitely go to personnel, maintenance, taxes...

Net earnings per month are approximately 8,000, per year 96 thousand. It turns out that the payback period for the villa is approximately 15 years, which is very good for real estate. At the same time, the value of the real estate itself is also rising.

It often seems that real estate is rented out cheaply relative to its value, but it is actually profitable. Especially when it is passive and reliable income, where it is not scary to invest really big money.

Investments in real estate are quite conservative but profitable, especially during times of crisis and depreciation of assets. It is especially profitable to invest in real estate in large cities, crowded places and resort areas.

Investing in real estate requires a large capital investment, which not everyone has. But you can start small: invest in the early stages of construction. Once completed, the value of the building will increase significantly. Real estate can also be quite small, for example a garage, which will not require huge investments.

• Residential Properties. The price of real estate is growing regularly, and this fact is an indicator of high profitability from. In the residential sector, it is better to prefer small one-room apartments, which are in high demand among the population.
• Commercial real estate. Investments in commercial premises bring stable income. There may be warehouses, offices, shops, beauty salons, etc.
• Overseas real estate. Investors buy foreign real estate and then rent it out. This is also not a bad investment method.

When purchasing any kind of real estate, you need to consider many factors:

• Location
• Proximity to bus stops, schools, kindergartens, etc.
• Facilities
• Availability of parking and many other nuances.

Most people associate the words “investment in real estate” with the goal of saving money, not multiplying it, so it is important to initially approach this issue very responsibly, to analyze the selected object not from the consumer’s side, but from the investor’s side.

pros

Reliability, large selection of offers.

Minuses

Profits are not high, and a minority have free money to invest in real estate.

Investments in franchises

This method of investing money has a controversial reputation among businessmen, but it has a number of undoubted advantages. In order to organize your own business, you need serious financial investments, extensive knowledge in the chosen field, marketing research and high-quality advertising. However, there is no guarantee that the project will be successful.

Purchasing a franchise in this sense eliminates many problems - after all, the franchisor has already done all the research, developed technologies, invested in advertising and earned the necessary reputation and customer base. All that remains is to pay him and use the ready-made work. In fact, in this case, the investor acquires a ready-made business that has already been debugged before him, and he himself can only deploy it in a new place.

This kind of investment requires quite serious funds, since most franchises do not begin to make a profit from the first day, and, accordingly, require certain financial investments during the period of formation and development. In addition, the costs of purchasing a franchise of a large chain can be quite high.

It is also important to understand that it is unlikely that you can simply forget about such investments - an institution, even opened in this way, will in any case require control from the founder. However, despite all the disadvantages, such investments allow you to ultimately become the owner of a business that generates a stable income.

Where to invest money in 2020?

Everyone must decide for themselves where to invest money, because there can be no advice or instructions here. If you like the idea of ​​investing, then invest only in the area that you like best and in which you see a future. Investments can bring good results, the only important thing is to start.

Where do you invest your money?

A bank deposit (or bank deposit) is money deposited with a credit institution (bank) in order to receive income in the form of interest at the end of the deposit’s validity period.

There are many types and conditions of deposits. There are time deposits and demand deposits. In the first case, the deposit is made for a certain period and can be withdrawn in full without loss of interest only after the expiration of this period. Demand deposits do not have a shelf life and are returned upon the depositor’s first request, but the interest on them is significantly lower.

The deposit is an understandable and relatively reliable investment.

Opening a deposit is easy. You don’t even have to leave home to do this: many banks allow you to open deposits through a mobile application or their website. Of course, to do this, you first need to become a client of this bank.

The main advantage of the deposit as a type of investment of available funds is insurance coverage by the Deposit Insurance Agency in the amount of 1.4 million rubles. Within this amount, you can confidently place your deposit in any bank that has a license from the Central Bank of the Russian Federation. If the bank fails, the state will return the money along with interest on the day the license is revoked. By the way, since 2014, more than 300 banks in Russia have had their licenses revoked, and their depositors certainly suffered.

The disadvantage of the deposit is that, compared to an individual investment account, it provides rather modest opportunities for increasing funds.

Individual investment account

Individual investment account (IIA) is a type of brokerage account or trust account of an individual, opened directly with a broker or with a trustee (for example, in a bank), for which there are two types of tax benefits to choose from and certain restrictions apply.

The concept of “individual investment account” was legislated on January 1, 2015. IIS can be opened by both individuals - citizens of Russia, and people who are not citizens of the Russian Federation, but live on its territory for more than six months a year.

The maximum amount that can be initially deposited into an IIS is 400,000 rubles. During the year, the account can be replenished with an amount not exceeding 1 million rubles.

The big advantage of IIS is the possibility of obtaining a tax deduction.

It is paid in the amount of 13% of the amount invested for the year, but not more than 52,000 rubles. That is, with both 400,000 rubles and 1 million rubles, you can return no more than this amount. This option is suitable for you if you have a permanent job and your employer pays taxes for you. There is another option - to choose tax exemption.

The main disadvantage of IIS is that, unlike a deposit, it is not insured by anyone. However, if you open it in a reliable bank (it has been operating on the market for a long time, is in the top 20 rating of Russian banks, there is no reorganization against it) and choose the right investment strategy, you can earn significantly more. In addition, to take advantage of tax deductions, an investment account must be opened for at least three years, during which you cannot withdraw funds.

How much can you earn on a deposit and IIS?

Let’s compare how much you can earn if you make a deposit of 100,000 rubles and open an individual investment account for the same amount.

Return on investment

The weighted average interest rate on deposits for a period of one to three years in Russia as of September 2017 was 6.83% per annum. If you calculate income based on this interest rate, then after a year it will be 106,830 rubles. By reinvesting this amount, after two years you will receive 114,126.5 rubles, and after three years - 121,921.3 rubles. Net income - 21,921.3 rubles.

Profitability of IIS

Strategy 1: investing in government bonds

Having opened an IIS, you can invest in such a reliable instrument as federal loan bonds (OFZ), the issuer of which is the Russian Federation represented by the Ministry of Finance of the Russian Federation. The yield to maturity of OFZ-26205 at the end of November 2017 was about 7.3%. Taking into account a tax deduction of 13%, the return on investment will be 20.3% in the first year. And over three years (the account is opened for a period of at least three years), the average return will be about 11.6%. As a result, in three years you can get 138,504 rubles. Net income - 38,504 rubles.

Strategy 2: investing in corporate bonds

Another reliable and quite profitable strategy is investing in corporate bonds, the yield on which is slightly higher than on OFZ bonds.

For example, these could be bonds of Gazprom Capital and Rosneft. The average yield on the bond portfolio of these companies at the time of writing is 7.97%. If you put 100,000 rubles on an IIS and, as a result, receive a tax deduction for one year, then after three years we will get an average figure of 12.3% per annum. By the end of the third year, the account will already have 141,020 rubles. Net income - 41,020 rubles.

By the way, for individual bond issues of these issuers, coupon income will not be taxed starting from 2018.

Strategy 3: Investing in stocks

The biggest income can come from investing in stocks. However, this is also the most risky instrument for investment, because even if the shares of a company have shown growth over the past periods, this does not mean that this trend will continue in the future. Experienced investors are advised to invest money in several types of shares at once, so that the fall in the shares of one company can be compensated by the growth in the shares of another company. This is called portfolio diversification.

The most proven investment is blue chip stocks - securities of the largest, most liquid and reliable corporations. Among Russian companies, these include shares of Gazprom, Sberbank, Alrosa and others.

If at the beginning of 2016 you had invested 100,000 rubles in equal shares in ordinary shares of three largest Russian corporations - Gazprom, Sberbank and Lukoil, the average return on shares of which at the end of 2016 was 43.93%, then in only one a year you would earn 43,930 rubles. To this amount add a tax deduction of 13,000 rubles. It turns out that in just a year you would earn 56,930 rubles. However, growth over three years is much more difficult to predict.

Bottom line

The deposit is suitable for more conservative and cautious people, probably of the older generation. Opening investment accounts is for riskier people. This is not just a fashion trend, but a good opportunity to make money.

Investing money at a high interest rate to avoid inflation and even make a profit is difficult, but there are several options. Let's take a closer look at where it is more profitable to invest money at interest so that it works.

Many people are trying to save money. But not everyone succeeds. And it’s not even that the salary is small, just saving money today is not enough, you need to invest it. If you save money “under the mattress,” inflation eats it up and this type of accumulation can be considered pointless.

In this case, where is it more profitable to invest money in order to avoid inflation and make a profit? There are several simple and affordable options for investing personal savings, which Rossiyskaya Gazeta experts recommend to readers.

Profitable bank deposits at high interest rates

The easiest option for investing funds is to open a deposit in a bank. As a rule, the maximum deposit period is two years. But the deposit can always be reopened. Currently, the average deposit rate is 8 percent. It is clear that over time the situation may change and the percentage may be either increased or decreased. But this method of investing money is simple and understandable to everyone.

The only thing worth considering when choosing a bank is not to chase the maximum interest rates. It is still better to choose a reliable bank with government participation.

Invest money in gold

Another fairly simple investment option is precious metals. In almost 8 years, a gram of gold has risen in price by 284 percent. At first glance, the investment looks very attractive, because with such dynamics, in 30 years it can rise in price by more than a thousand percent.

However, there is one very big BUT! On the world market, gold is quoted in dollars. As you know, in recent years the ruble has weakened significantly against the American currency. And this did not take long to affect the price of gold in Russia. Therefore, if we ignore the effect of ruble devaluation, then the growth is no longer so impressive. In addition, we should not forget that gold is a market instrument, which means its value depends on a number of factors and there is a possibility that its quotes on the world market will fall, which will also affect its ruble value. Nevertheless, it is potentially quite an interesting instrument for long-term investment.

Individual investment account (IIA)

As an alternative, you can suggest opening an individual investment account (IIA). This account allows you not only to accumulate funds (as in a bank deposit), but also to invest them in securities (stocks, bonds) to receive additional income. The main advantage of this account is that the state guarantees that its owner will receive a tax deduction on contributions (13 percent), as, for example, when buying an apartment.

The only condition: during the year, the replenishment amount should not exceed 400 thousand rubles, and the validity period of this account is at least three years. 13 percent of compensation is already income that exceeds bank interest and inflation. And if these funds are wisely invested in various securities, income can be increased. At the same time, you have a choice - invest on your own or trust the professionals.

For example, 24 thousand rubles were deposited into IIS in the first year. Tax deduction - 13 percent and income from investing in reliable bonds - 10 percent. The total profit for the year will be 23 percent.

Investments in mutual funds

Another investment option is investing in a mutual fund (mutual investment fund). Unlike IIS, here the funds are clearly given to management. In addition, there are no tax benefits; you will have to pay taxes on the income received. In addition, the management company charges a certain fee for its services.

The profitability of mutual funds varies from year to year, it all depends on what instruments were invested in and what dynamics they showed. At the end of 2015, some mutual funds grew by 40-70 percent, while some, on the contrary, lost about 11.5 percent.

Of course, a professional company will evaluate all possible risks, but, unfortunately, it is not always possible to completely avoid them. Therefore, when choosing a savings method, it is worth remembering that the higher the potential profit, the higher the risks.

Dollars

What you definitely shouldn’t do today is try to save for old age in cash, although the temptation is great. In 2015, the ruble weakened against the dollar by 21.5 percent. But exchange rates are extremely volatile. And in almost the first five months of 2016, the ruble, on the contrary, strengthened against the dollar.

Having foreign currency savings for a rainy day is good, but investing all your savings in dollars in hopes of spending them on retirement is probably pointless. The circulation of cash currency in Russia could someday easily be canceled overnight and savings in dollars will disappear.

Conclusion

In general, with such long-term investment horizons, one should remember the rule of a good housewife: “Don’t put all your eggs in one basket.” It is advisable to divide investments between several instruments, giving preference, although not the most profitable, but the least risky.