Since technology and time do not stand still, every year more and more new opportunities open up in order to invest your savings and at the same time get a good income from them for the year. Today, not all projects can be called very profitable, but still there are some fairly effective projects, investing in which will lead to. But there are those that can only lead to the loss of all invested funds.
If an investor wants to get a really good income and not lose all the money invested, he should carefully understand the current situation and then start selecting the best areas for investing in projects. And in order for the risks to be sufficiently low, it is necessary to work out all possible risks and reduce them to a minimum level. Unfortunately, this task is quite difficult, but quite solvable, you just need to spend your time on it, and of course, work out all the nuances of investing money in a particular project.
Where is the best place to invest your savings in 2016
You can consider specially designed schemes that help you get a steady income, but these schemes are unfortunately not legal, so this article will present simpler and more legal methods of investing money. At the same time, it is these methods that will be the easiest to implement, since they do not require special costs and actions on the part of the investor. Below is a list of projects worth investing in.
Bank deposits
This method of making a profit was and remains the simplest, but also less profitable. This method is more likely to help not to acquire a small income, but simply not to lose your savings. For example, Sberbank offers its depositors only 9.52% of the amount that was invested in a bank account per year, this is a fairly low percentage and it is simply impossible to get a good income from bank deposits. Nevertheless, this method of depositing money has its own plus - banks can reliably keep money in the account, but it is unlikely that it will be possible to increase it in a significant amount. For example, at the end of 2015, most banks set a yield percentage of 10.05%, which is very small, so if you just need to save your savings, then you should invest them in the bank, but this method is not suitable for generating income.
I would like to note that deposit rates were significantly increased due to the crisis, but when the country begins to improve its financial situation, interest rates in banks will also decline. In addition, it is best to insure your bank deposit, especially if a lot of money has been invested in the account.
Investing money in buying an apartment or house
This is another good way to invest your money in 2016. Real estate is ideal for investing your money in it, people will always need to live somewhere, young families rent or buy apartments, and in fact it is the apartment in our time that is the main part of a person’s life, it is the “roof over his head” that a person will pay for constantly.
Today, investing in real estate is considered the most profitable and saving money. But still it is worth learning about such investments in more detail in order to take into account all the points of such a contribution. If a person can take into account all the nuances of such a business, then in one year he will increase his invested income up to 30%, and this is a very good profit. But the most thoughtful investors can receive even more than 100% profit from their investments. Although many people think that investing their money in real estate is too expensive, according to many experts, this method is not as expensive as it seems at first glance. If you find a suitable option, you can pay not so much money, but at the same time get a very good income.
Contribution to trust management
Probably a lot of people have heard about such projects as PAMM technologies or about such a company as Multi-Account-Management. These projects provide an opportunity to invest your money in such a way as to get the most decent income from them. If the investor has not yet decided where to invest money in 2016 so as not to lose, the advice of video experts suggests that such projects have become the most popular in the past few years. But it is very important to choose a manager who knows his business perfectly and will be able to receive a constant and stable income from investments, while eliminating all the risks that contribute to the loss of investments. To start earning, it would be best to select two or three very good brokers in advance, they must know their business and provide such services for at least 3-5 years. As soon as a broker is found, a suitable manager can be found on its site, often there are quite a lot of them, so it would be better to analyze each of them in order to choose the best one.
Many do not know what kind of profitability such investments can bring, in fact, investing in such projects is quite a profitable business. If we talk about more real numbers, then the income from investments can reach from 50% to 150% in one year. If someone promises to receive a higher income, this will indicate that the manager is not justified in risking the depositor's money, it is better not to risk your investments and choose another manager. If the investment portfolio is well diversified, this will help reduce the risks of losing your investments to a minimum. You can order an investment portfolio in advance to familiarize yourself with it. But at the same time, it is important to immediately start familiarizing yourself with the information that is provided on the Internet in the public domain, where you can find out the opinion of brokers about income from such investments.
Investment in precious metals (gold)
Since the cost of a bit is extremely high today, many people want to discover deposits of this precious metal themselves. It is because of the constant search for gold that more than eighty thousand expeditions can be organized per year to search for this precious metal. As you know, more than eighty percent of all gold deposits have not yet been found. Natural precious metals, as before, have a fairly high value, so if you want to get a very good income, then you should buy gold or other precious metals, which certainly will never fall in price. I would like to note not only such a metal as gold, but also palladium, silver and platinum. All these metals have their own value, which does not decrease every year, but rather increases. You can simply buy whole bars of such metals, or start trading on the exchange, where the cost of gold can be very high. Not only will such trading bring profit, but the plus is that today it is trading on the stock exchange that is in trend. But it is important to invest in precious metals correctly, it is best to consult knowledgeable people about this, or at least just read more information on how to invest in gold or silver correctly.
Make an investment in "black gold"
Black gold in our country is called ordinary, but very expensive oil. If people can live without gold and other metals, it is simply impossible to live without oil, because a lot depends on its purchase. It is from oil that you can get gasoline for cars, diesel fuel, which is so valued today. Also, it is oil that is involved in the generation of electricity, and many other necessary products for transport are obtained from "black gold". People who are accustomed to investing in oil get their profits very well when the price of oil products starts to rise, because this means that the price of oil also rises a lot. But investors can benefit not only by raising prices for this product, but also by lowering the price of "black gold". In our time, technology has gone so far that even a price drop can bring income and this is quite real.
Do you know how to do it? Our advice will help you with this.
Investing in domain names
The name is not familiar to many, so for most investors such a contribution may seem unpopular and even "exotic", but today it is the Internet that rules people and money, so making a contribution to domains is very profitable. The name of the site can bring quite a decent income to someone who has invested their money in this name. There is one of the largest transactions for the sale of a domain in the world, in that transaction the investor was able to earn exactly three hundred and sixty thousand dollars on his domain. Nowadays, it is the business on the Internet that is gaining particular popularity and many are ready to quit their studies in real life in order to immerse themselves in the world of the Internet and at the same time receive real income.
Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂
There are a lot of investment options! Not all of them are effective, and what to hide, there are often simply fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀
In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest 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 , concrete examples and useful tips , which will allow you to invest money correctly and receive high passive income!👍
Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you!
In addition, you will learn:
- What are the investment options, what is their yield and which one to choose?
- Where can you profitably invest money on the Internet?
- How to invest money in order not to burn out?
- And also about where it is better not to invest your money!
Get comfortable 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 only need to invest your free cash ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.
Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).
This must always be remembered, because investments can both bring profit and losses!
Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.
Usually the risk is proportional to the return, i.e. The higher the return, the higher the risk and vice versa. But this rule does not always work.
But in any case, who does not take risks, he does not earn. It is always necessary to take meaningful risks!😉
In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:
- profitability,
- risk,
- payback period,
- minimum investment amount.
And also consider all the pros and cons of each investment option.
Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.
For example, you can distribute like this:
- conservative portfolio (bonds, real estate, precious metals…) — 50% of all funds;
- moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
- aggressive portfolio (currency market, cryptocurrencies…) — 20% of all funds.
❗️Important:
There is no need to invest all your money only in instruments with a very high yield, since in this case the risk of losing your money will also be very high!
And many people, on the contrary, strive to receive the maximum income, but at the same time they completely forget about the risk. And as a result, because of greed, they are left with nothing.
Investing is first and foremost 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 is it better to invest money in 2019 - TOP 15 profitable investment options
So, let's finally look at the options and decide where you can profitably invest money so that they generate 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%.Deposit rates have been falling steadily in recent years 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" (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).
☝️ In addition, if you invest money for at least 3 years, you can get a personal income tax deduction (13%), i.e. in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.
But of course, 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, stocks generally grow steadily and show good profitability.
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 (US 100 high-tech companies).
If you do not want to personally invest, then there is an option to entrust the money to professional managers. But I will elaborate on this below.
CONCLUSION: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.
| Yield: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| 15-100% per annum (share price change + dividends) | depends on strategy | 1-7 years old | from 5-10 thousand rubles |
| (⭐️⭐️⭐️ - medium/high) | (⭐️⭐️ - medium/high) | (⭐️⭐️ - medium) | (⭐️⭐️⭐️ - low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) With minimal/moderate risks, relatively high returns can be obtained. | (+ ) High liquidity - at any time you can quickly sell shares and get money 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, stocks can seriously and quickly fall in price. |
Option #4: Bonds
DESCRIPTION: Where do you think big banks invest their money? 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 easiest investment tools. But unlike bank deposits, the rate on bonds is much higher.
For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.
? By the way, Sberbank and VTB24 have recently started selling national government bonds.If you invest for 3 years, then you can get an average return on them of 8.5% per annumX .
I agree, not very much, but the rate is certainly better than most available on this moment bank deposits. Moreover, in the future, interest rates on deposits may decrease.
You can also consider bonds of large reliable companies - the rates on them will be higher! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% per annum (depending on the term).
At the same time, large funds can also be invested 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 able to bring a fairly high income, they are a very risky type of investment.
Bonds, as well as shares, can be bought through an individual investment account (IIA) without the need to pay income tax (if you purchase them for a period of more than 3 years).
CONCLUSION: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.
| Yield: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 7% to 15% per annum (for risky ones from 30% to 100% and more) | depends on bonds (very low for government bonds) | 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 returns compared to stocks and some other assets. | (- ) There is a risk of bankruptcy of the issuer (especially for low-rated bonds). The lower the credit rating, the less confidence in him. |
Option #5: Forex
DESCRIPTION:
Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).
Example!
For example, you purchased $10,000 at the exchange 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, amounted to 30 000 rubles(of which the broker's commission is approximately 600-800 rubles).
On Forex, you can trade both yourself and give money to professional traders (this will be discussed in detail in the next section of the article).
When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.
It is important to note that when trading personally, you need to follow a proven trading strategy, otherwise trading is likely to turn into a casino and lead to a sad result known in advance.
But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to the strategy, then you can really make good money on Forex. But this needs to be learned!
Although you can start on Forex with minimal amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.
As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!
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 earn a high income. For those who are not ready to study seriously, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇
| Yield: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 100% per annum and more | strategy dependent (initially high risk) | 1-7 years old | from 100 rubles |
| (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high/medium) | (⭐️⭐️⭐️ - high) | (⭐️⭐️⭐️ - very low) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) If you have an effective strategy, you can get high profitability. | (+ ) Low entry threshold and accessibility. | (- ) High risks, especially for beginners. You can lose significant money in a short time if you do not manage the risk. 99% of newbies lose their money. | (- ) Training is required: special knowledge and experience, as well as the ability to manage emotions. There is no guarantee that in a given period you will make a profit. |
Option #6: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products
DESCRIPTION: But this method is usually suitable for those who do not have experience and time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).
That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.
All that is needed is to distribute the initial investment amount into parts (preferably at least 5-10) and invest in various managers.
For example, Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.
At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.
⭐️ Oh 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 excellent!
PAMM accounts and PAMM portfolios for investments must be evaluated based on at least 3 parameters:
- account/portfolio age,
- past earnings,
- funds invested by other investors.
Here is an example of one of the most popular PAMM accounts on Alpari:
PAMM account "Lucky Pound" and its profitability (click to enlarge)
💡 More than 500,000 dollars have been invested in this PAMM account (trader), its profitability for 3 years and 8 months was 2051%.
However, it should be taken into account 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.
Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!
Read more about how to invest in PAMM accounts correctly (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information!
With a larger initial capital, you can work with large stock brokers (for example, Finam and BCS), which also provide various trust management strategies.
For example, on Finam in trust management, you can give from 300 thousand rubles. Their website features dozens of diverse strategies: conservative, moderate, and aggressive.
Of course, both brokers and managers also cannot guarantee 100% that you will receive income.
Here I want to tell you a few words about the so-called "structural products".
They are also intended for beginners who want to increase their money. Structured products can bring returns 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, as experts expect, will rise or fall in the future.
It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.
Here is an example of structural products on Alpari:
CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Particularly suitable for beginners.
| Yield: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 15% to 200% per annum and more | 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 allocating funds to the most efficient managers/strategies, you can get a good average return. Suitable for beginners. | (+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't 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. 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 to invest, which can bring you more than one hundred or even a thousand percent of income!
Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.
Another option is to buy a ready-made business or open a franchise business (in this case, the risks will be much lower).
At the same time, even if you have a small initial capital, you can still open your own business. Many people have opened profitable business with practically no investment or with minimal investment, so money is not the most important thing here, the main thing is desire and aspiration!😀
I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires about 70-80% - These are entrepreneurs who started a business from scratch!
✅Please Note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferred option!As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«
And how to find your favorite job / business of life - read.
If you do not yet have a stable source of income, then first of all think about creating a business, even if it is small at first. The main thing in this business is not to be afraid take the first step!
Think about it, maybe you always wanted to open your own auto shop, hairdresser, sporting goods store or handicraft store?
Here are some more helpful tips:
- 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.
- Choose niches with minimal competition - they are easier to start in.
- If you have a small initial capital, then it may be worth trying a business in the service sector.
I will also give you a few options from my experience, how you can start a business with minimal investment, I think you will be interested!👇
Examples!
It is easy 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, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).
Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.
While both in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find customers (you can do this for free on bulletin boards).
In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.
Read more about how to organize in a separate article!
CONCLUSION: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!
| Yield: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 30% to 1000% per annum and more | High risk initially | 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 yields among all investment instruments. | (+ ) It is easier for businesses to find partners and/or co-investors. You can start without large investments, the main thing in business is an idea! | (- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business. | (- ) You need to understand the business and understand how it works, even if you invest in a "foreign" business. You need to constantly learn. |
Option #8: Mutual Funds
DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.
Mutual investment funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).
Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make 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 a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:
Return on 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.
The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, such as Sberbank.
If this type of investment is right for you, then it makes sense to choose not one mutual fund, but several in order to distribute possible risks.
And make it a rule before investing anywhere, including in any specific mutual funds, read the reviews real people on the Internet, and also read what they write about them on the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.
CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.
| Yield: | 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" (surcharge) for buying/selling units. | (- ) You will have to pay a 13% income tax - many other investments have preferential taxation conditions. |
Option #9: Microfinance Institutions (MFIs)
DESCRIPTION:
Another type of investment is investing in MFIs. The return on such investments averages from 12% to 30% per annum.
The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).
The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 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 still decide to invest in an MFI, then be sure to choose a trusted company that has been operating on the market for more than one year.
⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.
Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.
If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀
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 there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.
| Yield: | 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. | (+ ) Passivity of income. Minimal participation on your part. | (- ) Very high entry threshold. According to the law, MFIs are allowed to attract 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. There is fraud. |
Option #10: Precious Metals
DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. At the same time, such investments are highly reliable!
Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.
Gold coins/gold bars can be purchased both at almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).
Despite the high reliability, investing in gold is more suitable for saving existing 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 1,600 rubles per gram to 2,400 rubles per gram.
The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.
However, if you look at the dynamics of gold against the dollar, you can see that gold has significantly fallen in price since 2012 and is currently in a sideways trend.
CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.
| Yield: | 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 reliability of investments. There is practically no risk of depreciation of gold. Easy to buy/sell at any time. | (+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a 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 #11: Cryptocurrencies (Bitcoin)
DESCRIPTION:
Bitcoin has more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.
Of course the most best time for investment was a few years ago, when bitcoin was worth about 150-200 dollars.
Some experts say that in the future, bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.
Others argue that bitcoin is about to 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 price.
Especially while cryptocurrencies show 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% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!
CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!
| Yield: | 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 the case of the 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. | (- ) Very high volatility of cryptocurrencies, in a matter of days they can both grow in price and seriously collapse. Low predictability. | (- ) Cryptocurrencies are not backed by anything, as this is another bubble. The complete absence 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 earn 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 receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.
FROM 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.
Making money on websites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.
But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.
2. Social publics. Surely almost every one of us is subscribed to a community in in social networks(VKontakte, Facebook, classmates…).
Meanwhile, the owners of such publics also earn mainly from the publication of advertising posts. In public with millions of subscribers, the cost of one advertising post can be worth 2-7 thousand rubles .
Publics with relatively small investments pay off very quickly. Although now the competition in the public is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the 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 clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles
If you can 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 exactly to advertising.
But in this case, the main role is played by experience, without it, nowhere!
4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers…
For example, projects that are engaged in the exchange of electronic money are very popular (in fact, they are called exchangers).
For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is through exchangers. By the way, you can also buy bitcoins with the help of exchangers.
Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a fairly 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 big money is spinning.
So if you have interesting idea, which will be in wide 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 affiliate commissions from airlines.
Even if you don’t know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.
Here, as elsewhere, it is the idea that plays the key role - the success or failure of the application depends on it.
6. Hype. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.
Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can only function for a few days or weeks, after which they disappear without a trace.
There are HYIPs that “live” for several months or even several years, but the profitability on them, 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 investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a scam (stopped paying out money).
And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.
CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can give high returns with a minimum investment.
| Yield: | 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 yield. The investment can pay off very quickly. | (+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort. | (- ) There is a risk that the project will not shoot and will not pay for itself. | (- ) knowledge is required. You need to be well versed in the key nuances of the 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 tool.
The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.
A distinctive feature of venture investments is very, very high profitability, they can bring thousands of percent!
But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.
☝️ Real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture capital investments.Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .
You can invest in projects in startups mainly in several ways:
- crowdinvesting and crowdlending platforms (suitable for beginners);
- venture funds;
- investor clubs.
CONCLUSION: Yet venture capital investment is underdeveloped in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!
| Yield: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 40% to 3000% per annum | elevated | from several months to 1-3 years | from 10,000 - 100,000 rubles (in 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 widely developed - investment sites may turn out to be financial pyramids. |
Option number 14: Art objects
DESCRIPTION:
Another unusual way to invest your money is to invest it in art. This is a rather narrow and specialized market, however, it can bring good returns.
It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent of profit on investments.
❗️ The only important feature in this case is that such investments often require big investments . And besides, in order to get a good return, you need to invest for a long period ( decades ).
Like investing in precious metals, investing in art is not subject to inflation and will only cost more over time.
And the crisis practically does not affect the value of art objects.
CONCLUSION: This type investment is suitable for those who understand at least something in art and are ready to invest money in the long term.
| Yield: | Risk: | Payback: | Minimum investment: |
|---|---|---|---|
| from 20% to 100% per annum and more | minimum | usually 1 to 3-5 years | from 100 000 rubles and more |
| (⭐️⭐️ - medium/high) | (⭐️ - low) | (⭐️⭐️ - medium) | (⭐️⭐️ - high/medium) |
| ➕ Pros and ➖ Cons: | |||
| (+ ) You can get a relatively high return with minimal risk. | (+ ) High reliability. Over time, art objects only grow in value. | (- ) Often, investments in art require a large initial capital and involve long-term investment. | (- ) You need to be a specialist, have specific knowledge and experience. |
Option #15: Knowledge and personal development
DESCRIPTION:
No matter how incredible it may seem, but always the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience ...).
It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.
I think more than once you have heard stories that most people who have won millions in the lottery, after a few months or years, again 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 makes even more sense to invest some of them in your development: attend trainings, webinars and seminars.
One of the most important differences about 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 USA: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - in a couple of months he managed to earn tens of thousands of dollars from scratch.
CONCLUSION: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍
| Yield: | 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 yourself to study. | (- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience. |
3. Golden rules for proper investment - 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 properly!
First What I talked about at the beginning of the article is not to store all your eggs in one basket. This rule applies especially to you if you have a lot of money to invest.
Instead of investing everything in one instrument, distribute the amount equally among 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 the funds (40-60%) in assets with the least risk, the best choice between return and risk, as for me, is real estate.
And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then poking around yourself and investing 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 survive unfavorable times and find other sources of income.
Fourth- create passive income so that you can receive money even when you are not working.
Fifth- Before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.
It will also be great if you learn how to give 10% of your profits to charity.
As Socrates said:
There is only one good - knowledge and only one evil - ignorance.
4. Where to invest money to earn money - specific examples
In this section of the article, I will tell you where, from my own experience, I would invest money, having this or that amount of investment available!
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.
As an option, 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 the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.
- Where to invest 300,000 - 500,000 rubles?
Also a relatively small amount by the standards 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 real estate during the construction phase, you can invest in it.
- Where to invest a million rubles?
Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.
For 1 million rubles. quite realistic to buy draft apartment and an apartment at the excavation stage.
Or alternatively:
- You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts / portfolios, or invest 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 seriously rises in price in the next couple of years.
- For the remaining amount, you can try to open a business (including on the Internet).
5. Where 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 fall for scammers.
The world is full of people who invent various schemes to steal money through fraud. Especially in our time, fraud thrives abundantly on the Internet (and not only!).
Therefore, before investing money somewhere, it is worth checking 10 times to see if you 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, fast payouts, very profitable terms etc. - all if only people would invest their money. 
Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Fraudsters love to cash in on other people's greed!Money does not come from nowhere, if someone receives money, then someone will definitely part with it!
The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn on the investments of gullible people.
Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.
HYIPs(which we talked about earlier) are essentially 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 earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.
Another controversial investment tool is sports betting. It is realistic to make money on them in the long term, but only bet organizers and 5-10% of participants (those who are in the know) do this, and the rest only constantly lose money.
I will also single out another type of widespread 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 away your money to the wind (tested on your own skin 😀).
So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞
If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!
6. Conclusion
Well, here you have learned about all the most popular and profitable areas for investing money.
Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!
I hope my experience for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀
Once again, I emphasize that in my experience, the most profitable investments are investments own business / business and knowledge !
❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!
Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍
P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!
Many residents of the post-Soviet space have retained the habit of keeping money under the mattress. It would seem that this way the savings are closer to the body and better preserved, but there is one problem - these funds quickly depreciate if they are not used.
The easiest way to increase your capital is to invest it in a financial institution at interest. Of course, any deposit is associated with a certain amount of risk, and the more favorable the conditions, the higher this probability. Therefore, you should first understand the intricacies of financial investments, and then decide where to invest in 2016.
All investments on a temporary basis are divided into two types:
- long-term: investing in real estate for rent or resale in the future, investing in manufacturing or scientific industries;
- short-term: deposit account in a bank, entrepreneurial activity, financial transactions.
Long-term investments require large initial contributions and have a much longer payback period, so it is better to pay attention to short-term investments.
Where is the best place to invest in 2016?
According to experts, it is safest to give your savings to an organization that guarantees their safety. In a crisis period, this is a particularly important factor. The most reliable guarantor is the state. The government owns a number of financial and credit institutions in which you can safely invest money at interest (Sberbank, VTB24, Russian Agricultural Bank and their branches, such as OTP Bank).
It should be noted that interest rates in state banks will be low, as these institutions are highly dependent on the refinancing rate of the Central Bank. The interest offered to the depositor will correspond to the level of this rate (11% as of 2016).
For those who have the opportunity to invest in long-term projects, where it is profitable to invest money in 2016, there will be contributions to science and the construction of public facilities (hospitals, schools, kindergartens, etc.).
How to save money from the effects of inflation?
In order to save savings from inflationary processes, you should contact a large and time-tested bank, preferably on an all-Russian scale. It is better to avoid small financial institutions like Ecoprombank, Vneshtorgbank and various MFIs.
Suitable organizations such as Raiffeisenbank and Gazprombank, as well as the aforementioned Sberbank and VTB24. The interest rate must meet or exceed the estimated annual inflation rate.
Where to invest money in 2016 - how to choose the right bank for a deposit?
When choosing an organization, you should pay attention to the conditions provided, for example, are there any restrictions on operations with the account (withdrawal and replenishment).
You need to choose a bank, starting from the available amount of savings. Some companies are ready to provide more favorable conditions for large deposits. In addition, useful information about the bank can be obtained from the reliability rating of financial and credit institutions, which is compiled by the Central Bank.
Top 5 banks for small deposits, where it is better to invest money in 2016
1. Alfa-Bank. The organization promises a high annual deposit rate of 19.25%. The maximum investment amount at such a percentage is 250,000 rubles, the deposit is valid for exactly 365 days, and the capitalization of interest on the deposit occurs monthly.
2. Rosselkhozbank. The interest rate is low - 11.5% with a deposit term of 12 to 18 months. There is a complete ban on withdrawals and deposits. The main plus is that the rate will not change under any circumstances, even if there is a recession in the economy and within the bank.
3. Raiffeisen Bank. Offers depositors the Perfect Balance program with an interest rate of 12.6%. The minimum amount to open a deposit is only 50,000 rubles. The percentage may seem low, but there is the possibility of unlimited replenishment and capitalization every month.
4. Gazprombank. When investing in Gazprombank, you will have to agree to a ban on replenishment and withdrawal of funds for the entire investment period (from 1 to 3 years). But the deposit rate is 14% and is constantly growing in connection with the link to the price of gas. This structure is also one of the most highly reliable.
5. Bank of Moscow. The minimum deposit term is 18 months at an annual rate of 13.5-15%, the exact value depends on the amount invested. Deposit account deposits are available at any time, and only accrued interest is allowed to withdraw before the deadline.
Monthly income and short-term deposits
There are many options for earning monthly income. The most popular of them:
1. Standard bank offers with the possibility of interest capitalization. Such a service is available at any credit institution, only the interest rate and conditions will differ.
2. Accrual of interest on the debit card balance. These bonuses are accrued daily, but the service itself is less common among banking organizations. You can use it, for example, in VTB24 and Rosprombank.
However, investing in a bank for a monthly period is unprofitable and unprofitable. For those who are not afraid to risk their savings, there is another way to make money on investments - microfinance organizations. Such companies promise extremely favorable conditions, the interest rate can be 2 times higher than in any bank.
Among the disadvantages of working with MFIs, one can single out the lack of a security service and access to clients' credit history. In the event of bankruptcy and liquidation, such organizations do not give any guarantees for the return of invested funds.
Risky investments with a fast payback period:
- Binary Options and Forex. The most risky investments are suitable only for experienced and self-confident investors who know how to work in the foreign exchange market.
- Turnkey business. A more reliable option than options, but there is always a chance that a startup, even well-developed, will be effective in the hands of a new buyer.
- Investments in gold and platinum. The safest way, as precious metals do not depreciate over time. In addition, all major financial institutions are engaged in the purchase and sale of gold, so there will be no problems finding buyers. As for the terms, they are controlled by the investor himself. Naturally, for such investments you need to have a large start-up capital.
We all wonder how to make money if there is little capital, and we all know that 2016 will be difficult for the Russian economy, however, like 2015. Experts identify several factors that will negatively affect the Russian economy. The main ones are European and American sanctions, a large outflow of investments from the manufacturing sector, which reduces its competitiveness, the collapse of the national currency against the dollar and the euro, and the tense political situation in the world.
In the article, we will look at ways to invest your money in order to make a profit.
Placement of funds on deposits of commercial banks
One of the most popular methods of financial investments among the population. Analysts recommend this option to those who do not want to engage in a significant increase in their capital, but only strive to protect savings from inflation.
To make it clear to you, look at the following information: forecasts for inflation in Russia for 2016 fluctuate around 10.5%, and the percentage of deposits under which banks are taken is at the level of 10-13%. As a result, we get that the interest on everything will cover the depreciation of money.
But do not forget that when investing money in this way, you need to consider some points:
- Choose deposit programs only of large financial and credit organizations.
- Before choosing a financial institution, check where it is in the asset rating (choose from the top 15).
- The most important players in the deposit market are Sberbank of the Russian Federation, VTB, Alfa-Bank, Gazprombank and Promsvyazbank.
- Do not trust banks that are new to the market or the interest on deposits is much higher than average, because. the risk of losing your investment increases exponentially.
- If possible, be sure to use the deposit insurance service, for this, check with the bank whether it is included in the list of participants in the state deposit insurance program. And if you were given a positive answer, then you can deposit an amount not exceeding 1,400,000 rubles without any risks: according to the law, your deposit will be insured and in the event of a bank failure it will be fully returned to the depositor.
Investing money in real estate
Investing in real estate in 2016 is relevant for those who do not strive to make an immediate profit. Moreover, now there is a trend for a decline in prices (2-3%) in the real estate market and it's time to invest, because in 2-3 years prices will undoubtedly increase, this trend has been tested in the past crisis years.
If you have the opportunity to invest money in commercial or residential real estate in 2016. Then do it. Since upon the advent of a maximum of 3 years, you can get a good financial benefit.
To save savings in real estate, experts advise adhering to the following recommendations:
- It is better to buy square meters in small but rapidly developing Russian cities, they are one of the first to start raising the Russian economy after the crisis has passed.
- The most optimal investment option would be the purchase of studios, one-room and two-room apartments. In the future, during the crisis, you can rent them out, but in the future you can sell them and make good money.
- Regarding this recommendation, the opinions of experts are divided, as some advise to purchase commercial real estate, others do not. So it's up to you.
If your savings are impressive, then you can consider buying property abroad. Trends are changing in a positive direction in the markets of such countries: China, Thailand, Morocco, Brazil. Although the cost square meter slightly different from Russian prices.
With regards to the European real estate market, the cost there is disproportionately high and analysts do not predict much growth.
Investments in currency
It is on currency fluctuations that some investors earn good money. This is true when the economy of the state is unstable. Investors with a good ability to anticipate market trends can make a lot of money by converting currencies from one to another in two weeks.
- Investors who like to take risks should follow a few rules: invest only in euros and dollars, monitor fluctuations in world oil prices and the political situation in the world. The result can be called the control of forecasts and the conclusion of transactions based on these forecasts.
- For less risky investors, more stable currencies are suitable: Chinese yuan, Swiss franc or pound sterling.
The main way to make money is to buy euro or dollar now and sell it next year if the trends show the dollar to rise against the ruble.
Investments in precious metals
Investing money in precious metals is a proven method of increasing capital. Suppose if you invest in gold, then the income can be received in 2-5 years. But, like everywhere else, there are also risks: for example, gold has not been growing in price (in USD) for a couple of years, although it has grown against the ruble. Investors also like to invest in such metals: palladium and platinum.
Shares and Mutual Funds
Investing in stocks of profitable companies is a good way to increase capital, but with some pitfalls. A shareholder or shareholder of a mutual fund must have at least the slightest skills in managing investment portfolios in order to break even if necessary to exit the mutual fund. In a crisis, such investments are quite risky, but if you have calculated everything, then you will get a good profit. I recommend that you read the article: (mutual investment fund).
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In 2015, investors who kept their money in dollars and bought shares in metallurgical companies and fertilizer exporters did not fail. Analysts told which investments will become the most profitable and in which currency it is better to keep money in 2016.
A year ago, many investors would have given everything for a time machine or a crystal magic ball: in December 2014, they woke up in a country where the ruble had depreciated by half. There were few lucky people who were able to predict this and convert ruble savings into foreign currency. The majority of Russians began experimenting with shifting the ruble into various assets after the collapse began. And yet, investors - experienced and newcomers - found tools that helped to save money and even make good money, despite the crisis in Russia, which was looking for its "bottom" throughout 2015.
The most profitable currencies and stocks of 2015
Those who converted rubles into American currency did not fail: deposits in dollars turned out to be one of the most profitable. According to FxPro analyst Alexander Kuptsikevich, if we take 1 million rubles as a starting point and take into account losses during conversion, then the holders of deposits in dollars enriched themselves by almost 200 thousand rubles over the past year. Thus, the dollar has risen in price by 15.3% in almost a year, and the yield on it has made investing in USD even more profitable. Adjusted for conversion, it was possible to receive $16.149 thousand, earn another $885 and, having exchanged at the rate at the end of the year, earn 192.263 thousand rubles, or 19.2%.
In 2015, euro deposit holders could receive the maximum profit of 90.325 thousand rubles or 9%, which is more than two times lower than in the dollar. Investments in pounds would bring 154.697 thousand rubles or 15.5%, on deposits in francs the yield would be 201.783 thousand rubles or 20.2%, which would slightly exceed the yield on the US currency.
The average return on shares in 2015 was more than 20% - this is how much the MICEX index has added since January 5. Traditionally, shares of the second and third tiers brought high income in 2015, some of them showed a yield of 800%, for example, the shares of the Vyborg Shipbuilding Plant. But all records were broken by the shares of Kaluga Supply Company Plus (+1160%).
Among the leaders in blue chips was Sberbank - from the end of 2014 to recent highs at the end of 2015, it added 100%. The greatest growth took place in October-November, when large foreign investors entered the securities of Sberbank. Almost 200% managed to add the papers of Polyus Gold. The growth of shares was accelerated by the news that OJSC Polyus Gold, 95% of which is controlled by Polyus Gold International, will now become the parent company of the entire gold mining group. Also in 2015, the attention of investors was attracted by dividend stories: preferred shares of Surgutneftegaz added 50% over 12 months. There were also some stories related to corporate events, for example, NCSP shares grew in 2015 by 225%.
Also in 2015, investors were interested in non-oil exporters, shares of metallurgical companies and fertilizer producers became especially attractive. Shares of Severstal added about 22%, shares of MMK added 67% last year, shares of Uralkali added about 40% over the year, shares of Akron rose by more than 100%, and PhosAgro shares rose by 70%. Fertilizer stocks have acted as a shield to help many investors weather ruble weakness, analysts say: Fertilizer prices were stable in 2015, companies were export-oriented amid a strong ruble depreciation, while ruble costs remained virtually unchanged. .
What currency to keep money in 2016
Despite the fact that the dollar became the most profitable currency in 2015, the majority of analysts polled by dp.ru believe that in the coming 2016, the US currency will no longer feel so confident. In their opinion, the high price of the dollar in 2015 was based on high, greatly inflated growth expectations. interest rates in the US, but the reality turned out to be more modest than expected, and the dollar is more likely to show a decline in world markets in the coming year.
Petr Pushkarev, chief analyst at TeleTrade Group of Companies, advises to convert some of the dollars into euros at the beginning of 2016, while the value of the euro against the dollar is closer to 1.10. But buying dollars and euros for rubles at the beginning of the year, in his opinion, is already too late: it is better to wait a moment after the jumps and take advantage of the rebound in prices on the oil market, which is expected in the first half of the year, then both dollars and euros can still be purchased at the exchange rate. 7-8 rubles cheaper, and in a more favorable situation, it is possible to return the dollar to the area between 60 and 65 rubles.
In a negative scenario (if oil prices fall to $20 per barrel and remain at this level), the ruble may lose another 20-25% against the dollar, but its slight strengthening is more likely. This means that the share of the dollar and the euro in deposits can be gradually reduced and stopped at 25-35% of the savings, Vsevolod Lobov, head of the analytical service of Dokhod Investment Company, believes.
But there are analysts who believe that buying the dollar will help make money this year. According to Alpari analyst Anna Kokoreva, the dollar will strengthen due to the US monetary policy, which is aimed at strengthening its own currency. "The Fed has already raised rates and will continue to do so next year, which will systematically increase the value of the dollar. It is better to buy American currency in order to earn money for six months or a year," she said.
Many experts believe in the strengthening of the ruble and say that it should not be discounted. The territorial director of BCS Premier Vadim Isakov recommends leaving at least half of the savings in 2016 in rubles. Alena Afanasyeva, Senior Analyst at Forex Club Group, agrees that the strengthening of the ruble cannot be ruled out, and at the same time adds that it would be nice to pay attention to other currencies that have suffered heavy losses, as they are on the verge of oversold, and a reversal in commodity markets could trigger a recovery in demand for risky and commodity currencies. According to her, Canadian and Australian dollars may be among the leaders.
Where to invest in 2016
In the coming 2016, there will be more potential opportunities for earning on the restoration of depreciated assets, although conservative strategies and instruments will still be more in demand, and savings moods will prevail among investors.
According to the BCS forecast, the shares of representatives of the agricultural sector will continue to grow steadily, but it is also worth paying attention to the most undervalued liquid securities, such analysts include the shares of Uralkali, ALROSA, Gazprom Neft. Growth potential, in their opinion, remains in the shares of Moscow Exchange, Aeroflot. Also, investors may wake up interest in the pharmaceutical industry, in this sector Vadim Isakov allocates low-cost papers of Protek and Pharmstandard.
According to Vsevolod Lobov (Dokhod), the optimal portfolio for this year is a focus on companies that can grow well with a slow economic recovery. In his opinion, these are, first of all, food producers (Cherkizovo, Rusagro), the financial sector (Sberbank and the Moscow Exchange), the same chemical sector, certain strong companies such as LSR and shares with a good dividend profitability - NLMK, Norilsk Nickel, MTS, MegaFon, VSMPO-Avisma. “There should be fewer shares in the portfolio of the metallurgical sector (especially those that do not pay dividends), retailers (although some of them remain very interesting) and electric power companies, which so far bear too much risk for optimal portfolios,” Vsevolod Lobov believes.
Petr Pushkarev (TeleTrade) recommends that investors wait for a big downward correction on the stock markets of America and Europe, since the markets there are extremely overheated, according to his forecast, the correction for US stocks could be from 30 to 50%. "By the way, you can make very good money on the downward movement in Western stocks if you open a trading account with a broker who has the ability to trade stock indices for a fall. I would recommend making investments in the stock market, including the Russian one. already after this significant correction happens and ends.The decline in our market may not be strong, as on the American stock exchanges, it may be much more modest, however, all markets are strongly synchronized with each other, and it is more reliable to wait until the dust settles After that, perhaps already in the second half of 2016, we can see prices for the shares of Russian companies that are really attractive and interesting for investment," the analyst argues.
For conservative investors, buying bonds for a period of one to three years in early 2016 may be a good choice. If forecasts for a smooth slowdown in inflation and further reduction in interest rates come true, they will bring good profits. Vsevolod Lobov, in particular, draws attention to non-taxable income individuals bonds of subjects of the federation not burdened with a large debt, for example, bonds of the Krasnodar Territory, Samara region, Yakutia, Krasnoyarsk Territory.
Analysts also note that it is worth paying attention to corporate bonds, because in the message of the President of the Russian Federation to the Federal Assembly there were words about the abolition of the tax on coupon income on corporate bonds. If such changes occur in the tax code, it could reduce the spread on government bonds, they say. "From government bonds, the most profitable option in 2016 is OFZ-IN - that is, bonds whose income is indexed to the official annual inflation rate. For example, this is 2.5% of annual income + an inflation rate of 7-8%, and in total it can be more than 10%," says Pyotr Pushkarev. In his opinion, bonds of Alfa-Bank are interesting among corporate ones, and Vsevolod Lobov notes bonds of telecoms and companies in the retail sector.
As for precious metals, they are not mentioned by analysts as a clear good investment in 2016. Vadim Isakov (BCS) says that those who plan investments for the long term, for 3-5 years, can in principle invest in gold or silver, since their quotes are close to their minimums, but the dynamics of their movement, as well as oil futures may be unpredictable for quite some time yet. Petr Pushkarev believes that it is better to wait for the first signs that the steady downtrend is changing and buy gold at $100-$150 per troy ounce more expensive than to be in a buy and sustain a possibly indefinite drawdown below $1,000 per ounce.
Oil futures, according to the general opinion of analysts, will not be able to bring the same astronomical income as in 2009, when prices returned from $35 per barrel to $60 and above within just 2-3 months. However, here it will be possible to play both for a rebound (for an increase), and then again for a fall. "Much will depend on China - recently China's growth rates have been gradually slowing down, but if the trend stops, the market may again start buying hydrocarbons and precious metals," says Alena Afanasyeva (Forex Club).
In general, 2016 inherited from 2015 the same risks for Russian investors - political and geopolitical. If the recession deepens, or there is a sharp aggravation of the geopolitical background, ruble assets may come under additional serious pressure, experts warn. Global political instability may intensify due to the US elections. One cannot ignore the sanctions pressure, weak global economic growth, low oil prices, ruble instability, high level inflation, the high cost of credit resources, the outflow of capital. However, despite this tangle of problems, one can hope for a stabilization of the situation for Russia, which can become the basis for future growth.
Most likely, there will be no “magic” asset that will grow throughout 2016, so it’s better to have a mobile trading terminal for trading in oil contracts, and the ruble, and the exchange rates of world currencies EUR / USD, and others and several once a year, but immediately and precisely in real time to respond to any strong price changes, experts advise.
