Where to invest money for 1 month. Where to invest money for a month. Where you shouldn't invest money so as not to burn out

Hello, dear readers of the SlonoDrom.ru magazine! Almost each of us at some point thinks about where to invest money so that it works and brings monthly income.🙂

There are actually a huge number of investment options! Not all of them are effective, and what to hide are often simply fraudulent organizations whose only goal is to get money and hide with it forever. I know this first hand!😀

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 your 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 amount of money you are going to invest: small or large, this article will be as useful as possible for you!

In addition, you will learn:

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

Sit back and let's get started! The article turned out to be a little 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 ! Under no circumstances should you invest money that you desperately need, and especially do not get into debt, loans, or credits.

No one gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is a highly guaranteed investment (for example, government bonds or bank deposits).

You should always remember this, because investments can bring both profit and loss!

Secondly, before investing your money anywhere, you need to actually evaluate what exists risks and which one profitability can be obtained from one or another investment.

Typically the risk is proportional to the return, i.e. the higher the profitability, the higher the risks and vice versa. But this rule does not always work.

But in any case, those who do not take risks do not earn money. 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.

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

Third 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 it 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 (foreign exchange market, cryptocurrencies...) - 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with very high returns, since in this case the risk of losing your money will also be very high!

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

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

And if you 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 rules of investing!👇

2. Where is the best place 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 your money so that it generates income!

Option #1: Bank deposits/savings accounts

DESCRIPTION: The simplest and most accessible investment option for everyone is regular bank deposits. In Russia, the annual interest rate on them is on average from 6% to 8%.

Deposit rates have been falling steadily downward in recent years and are likely to continue to fall in the future.

How to make money on stock growth - Google example

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

For these purposes, 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 will be able to receive 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 need to be taken into account when investing in stocks. There are risks always and everywhere - you shouldn’t forget about them!

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

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

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

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

CONCLUSION: With proper management, shares can generate good returns, several times higher than the interest rate on bank deposits. But at the same time they are considered riskier assets.

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

Option #4: Bonds

DESCRIPTION: Where do you think the big banks invest their money? Mainly in bonds! Yes, they provide 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 simplest instruments for investment. But unlike bank deposits, the interest rate on bonds is significantly higher.

For those who don’t know, a bond, simply put, is an IOU. Only large companies and states can act as borrowers.

? By the way, Sberbank and VTB24 recently began selling national government bonds.If you invest money for 3 years, you can get an average return of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most bank deposits currently available. Moreover, in the future, deposit rates may decrease.

You can also consider bonds of large, reliable companies - their rates 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, you can invest large amounts of money 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 would also like to note that there are also bonds whose yield can be tens And hundreds of percent . But such bonds have a low credit rating (for this they are called “junk bonds”). Although they can generate fairly high returns, they are a very risky investment.

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

CONCLUSION: Bonds are suitable for those who seek to receive an average return with a relatively high guarantee.

Profitability:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and above)	depends on bonds (for government bonds - very low)	7-12 years	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 yield compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less confidence in it.

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 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles per 1 dollar, and you sold dollars.

As a result, after the exchange you received 600,000 rubles, and the income accordingly amounted to 30,000 rubles(of which the broker's commission is approximately 600-800 rubles).

You can trade on Forex either yourself or give money to professional traders to manage (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 . It’s not worth going into the foreign exchange market just like that, in the hope of easy money (and that’s exactly what I did 🙂), as this usually leads to serious losses.

It is important to note that when trading in person, you need to follow a proven trading strategy, otherwise trading will most likely 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 strategy, then you can actually 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), since even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be that big.

In my opinion, one of the most effective trading strategies on day bars is Price Action. There are many articles written about her on the Internet - if you are interested, read them!

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

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

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

Option No. 6: PAMM accounts, PAMM portfolios, trust management and structured products

DESCRIPTION: But this method is usually suitable for those who do not have the experience or time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold...).

That is, in this case, you entrust your money to traders - those who professionally trade in financial markets.

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

For example, the 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.

⭐️ About profitability!
The income here can be quite acceptable - 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 assessed based on at least 3 parameters:

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

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

PAMM account “Lucky Pound” and its profitability (click to enlarge)

💡 Over $500,000 was invested in this PAMM account (trader), its return for 3 years and 8 months was 2051%.

However, it should be taken into account that although accounts/portfolios have shown good returns in the past, there is a possibility that they will be unprofitable in the future.

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 generating losses over a long period. This is the whole secret of investment!

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

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

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

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

I would like to tell you a few words about the so-called “structured products”.

They are also intended for beginners who want to increase their money. Structured products can bring returns of up to 100-200% per annum with minimal risks (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 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 structured products on Alpari:

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

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and above	depends on the type of strategy: conservative, moderate, aggressive	1-8 years	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By distributing funds among the most effective managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. There is no need to engage in trading 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 No. 7: Own/partner business

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

Of course, in most cases, business requires personal presence. But on the other hand, a business can be automated or simply invested in someone’s business at the development stage.

Another option is to buy a ready-made business or open a franchise business (in this case the risks will be much lower).

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

I myself started a successful business from scratch several times! By the way, if you look at the statistics, then among millionaires there are 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 preferable option!

As Confucius said:
« Choose a job you like, and you will never have to work a single day in your life!«

Read about how to find your favorite job/work of life.

If you don’t yet have a stable source of income, then first of all think about creating a business, even if it’s small at first. The main thing in this matter is not to be afraid take the first step!

Think about it, maybe you've always wanted to open your own auto repair shop, hair salon, sporting goods store or handicraft store?

Here are some more useful tips:

Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not invest a lot of money right away.
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 service business.

I will also give you several options from my experience on how you can start a business with minimal investment, I think you will be interested!👇

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

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

Another area that does not require large investments and is not so difficult to start is a wholesale business via the Internet.

Moreover, 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 clients (you can do this for free on message boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the client. He sells his goods and earns income from this, and you receive your markup from the sale.

Read more about how to organize in a separate article!

CONCLUSION: A business can generate very high returns with minimal investment. In addition, business can be turned into something you love, something you are interested in and want to do!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	At the initial stage there is a high risk	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest returns among all investment instruments.	(+ ) It is easier for a business to find partners and/or co-investors. You can start without large investments, the main thing in business is the 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 business and understand how it works, even if you invest money in “someone else’s” business. You constantly need to learn.

Option #8: Mutual funds

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

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

Absolutely anyone can become an investor; to do this, you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders receive 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 provide low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds for 11 months:

Profitability of mutual funds for 11 months

However, mutual funds do not provide a guaranteed profit, unlike bonds and deposits; there are also often unprofitable periods.

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

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

If this type of investment is suitable for you, then it makes sense to choose not one 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 of real people on the Internet, and also read what they write about them on 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. Provided there is no crisis, they usually also bring good profitability.

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

Option No. 9: Microfinance organizations (MFOs)

DESCRIPTION: Another type of investment is investing in microfinance organizations. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in an MFO must be no less than 1.5 million rubles (by law).

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

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

If you still decide to invest in microfinance organizations, be sure to choose a proven company that has been operating on the market for more than one year.

⭐️ Good advice!
Look first at the “age” of the MFO, and not at the interest rate they promise you.

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

Additionally, it would be a good idea to look at reviews and read articles on well-known information portals (for example, RBC) about this or that MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and reliable to invest money in real estate than in microfinance organizations! 😀

And besides, I myself don’t take loans/loans (especially consumer ones) and I don’t recommend them to others!😉

CONCLUSION: MFOs in general provide 1.5-2 times more profitability than bank deposits. But there are also corresponding risks. And the entry threshold, to put it mildly, is rather large.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years	from 1 million rubles
(⭐️⭐️ - average)	(⭐️⭐️ - average)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passive income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in the event 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. Moreover, such investments are highly reliable!

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

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

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

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has increased from 1,600 rubles per gram to 2,400 rubles per gram.

The total profitability for the five years was 50% (on average gold rose by 10% per year) and such profitability was achieved thanks to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has dropped significantly 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 for the purpose of preservation.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis the yield is higher)	Minimum	7-20 years	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is virtually no risk of gold depreciation. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a “safe haven”. Investments in them are suitable for preserving funds during a crisis.	(- ) Low profitability during periods of economic growth and development. Income tax is 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 grown more than twice in recent years and, apparently, is not going to stop. New millionaires are already appearing who have become rich solely by investing in Bitcoin.

Of course, the best time to invest was a few years ago when Bitcoin was worth around 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 collapse. 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 increase in price.

Moreover, while cryptocurrencies are showing a steady growing trend.

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

For example, Bitcoin can rise or fall by 10-25% - This is quite a common occurrence here. And in a year you can either increase your investment by 3-10 times or lose almost everything!

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

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If cryptocurrencies grow, you can multiply your invested funds in a short period of 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 rise in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. There is a complete lack of guarantees - if you lose money, no one will return it.

Option No. 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing each of us with the opportunity to earn money on 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.

The following directions are currently popular:

1. Websites. Information websites are created and filled with unique content.

With minimal investment it is possible to obtain high returns through advertising. Typically, the site begins to generate its first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn approximately 200-3000 rubles in a day. The spread is very wide, since the topic of the site determines how much income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, rather than order them from copywriting exchanges.

But still, at the beginning you will need to get to the bottom of it and understand the key details of such a business.

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

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

Public sites pay for themselves very quickly with relatively small investments. Although the competition in public pages is high now, if you choose the right topic for the public, post high-quality and interesting content and develop the public, 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 follows your affiliate link and opens a current account in a specific bank, then you can earn 2-3 thousand rubles.

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

But in this case, experience plays the main role, without it you can’t go anywhere!

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

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

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

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

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

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

❗️ For example, applications for selling airline tickets are quite popular; here you can receive 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, the key role is played by the idea - the success or failure of the application depends on it.

6. Hype. HYIPs are in reality 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 function for only a few days or weeks after which they disappear without a trace.

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

In any case, invest in such hype Very risky , because mainly the creators of these HYIPs and a small group of investors earn money - who managed to withdraw money with a profit before the HYIP turned into a “scam” (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you don’t particularly understand 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 provide high returns with a minimum investment.

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

Option #13: Venture funds/investments

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

The essence of venture 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 their very, very high returns, they can bring in thousands of percent!

But on the other hand, only 1-2 out of 10 projects succeed and bring huge profits. But despite this, they usually more than recoup all investments in “failed” projects.

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

Over 2 years, Apple shares have grown by approximately 5000 times! So if you invested at the start-up stage of your business, 100,000 rubles, after 2 years your fortune would already be 500 million rubles .

There are basically several ways to invest money in startup projects:

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

CONCLUSION: Yet venture capital investments are poorly developed 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!

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from $500,000)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very tall)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible return.	(+ ) It is not always necessary to invest large amounts of money at the start of a project.	(- ) Very high risks, most starting projects turn out to be unprofitable.	(- ) Fraud is widespread - investment platforms can turn out to be financial pyramids.

Option #14: Art objects

DESCRIPTION: Another unusual way to invest your money is in art. This is a fairly narrow and specialized market, however, it can bring good profitability.

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 profit on investments.

❗️ The only important feature is that such investments often require large investments . And besides, 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 become worth more over time.

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

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

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

Option No. 15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience...).

It is necessary to understand that, first of all, knowledge/experience, and not money allows you to earn and increase yours.

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

In addition, often in order to learn something, no investment is 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 it in your development: attend trainings, webinars and seminars.

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

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

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

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

3. Golden rules of proper investing - TOP 5 tips

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

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

Instead of investing everything in one tool, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, shares, or a new business.

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

Second— try to invest most of your funds (40-60%) in assets with the lowest risk; the optimal choice between profitability and risk, in my opinion, 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 it is in no way worth it to go in on your own and invest all your money in high-risk instruments: Forex, stocks, bitcoins... hoping that you will quickly increase them.

Believe me, this is an already tried 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 specific organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.

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

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

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

In this section of the article, I will tell you where, based on my experience, I would invest money if I had this or that amount of investment available!

I will not consider very risky investment options in these examples. Let's 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 it in starting my own business or in the business of my friends. And I would allocate 10-20 thousand to attend trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. As a last resort, 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 investing in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.

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

This is also a relatively small amount by investment standards. 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 at the construction stage, then you can invest in it.

— Where to invest a million rubles?

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

For 1 million rubles. It is already quite possible to purchase a rough 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 them in mutual funds.
But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also advisable 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.
With the remaining amount you can try to open a business (including on the Internet).

5. Where is it better not to invest money so as not to go broke - important tips on how to avoid fraud

At the end of the article, we’ll talk about something equally 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 nowadays, fraud flourishes abundantly on the Internet (and not only!).

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with nothing.

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 payments, very favorable conditions, 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! Scammers love to profit from other people's greed!

Money doesn’t come out of nowhere; if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember Mavrodi and his MMM). Visually, some plausible story can be created, as if the project is really functioning (providing some services), but in reality, the organizers of this project are only making money 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.

Hype(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be classified as a fraudulent scheme (although it is also possible to make money from them, but experience is required). You can also add here various casinos and other methods that promise “easy” money.

Another controversial investment instrument is sports betting. It is possible to make money on them in the long term, but only bet organizers and 5-10% of participants (those in the know) do this, and the rest just constantly lose money.

I will also highlight another type of widespread fraud on the Internet - the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). If you buy them, you’ll be throwing your money away (tested in my own skin 😀).

Thus, you need to invest in what you are good at! Otherwise, those who are good at something you don’t understand will profit from you! This is my sad experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (it’s not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable 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 was at least a little valuable for some of you and you have already decided where to invest your money! 😀

Let me emphasize once again that, in my experience, the most profitable investments are investments your own 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!

Alexander Kaptsov

Reading time: 10 minutes

A A

Wanting to increase our own savings, we most often consider the possibility of opening a deposit account at a bank at a favorable interest rate. Time deposits are one of the types of such deposits offered by Russian banks. They are issued for a month, three months, six months and a year. It is assumed that the client does not withdraw his money from the account within the agreed period.

Interest on time deposits can be paid monthly or upon expiration of the agreement. Any of these deposits, with some exceptions for monthly deposits, implies the possibility of replenishing the initially invested amount (negotiated individually).

Is it worth making a time deposit for 1 month - conditions for opening a deposit and rates on time deposits in Russian banks

Banks are not very willing to include monthly time deposits in the deposit programs offered, since they cannot be used for long-term investments, and their service costs are much higher. However, such deposits are offered and can be opened by both legal entities and individuals.

It is impossible to unambiguously determine the banks where the conditions for opening a deposit and interest on time deposits will be the most attractive. Their choice is most often influenced by the size of cash investments and the degree of personal trust in a particular credit institution. Rates on time deposits for individuals vary between 4-10% per annum, for legal entities the profitability will be slightly higher.

Although Russian banks set different interest rates on deposits, most of them have in common special conditions for depositors who place their savings online via the Internet. In this case, clients have higher incomes. Also, some banks offer increased interest rates to people of retirement age. Term deposits can be placed in US dollars and euros.

What documents will be needed to open a fixed-term bank deposit for 1 month?

In order for a client to open a time deposit in a bank for a month (or another period), he will need to enter into an agreement. The agreement is executed upon presentation by the investor of a document proving his identity.

Russian citizens only need to provide:

Passport of a citizen of the Russian Federation;
Seaman's passport;
Military ID or serviceman's ID.

Citizens of other states and stateless persons present:

Passport of a citizen of a foreign country;
A migration card and one of the accompanying documents such as a residence permit, temporary residence permit, or visa.

For refugees, the official document will be a refugee ID.

The entire procedure for drawing up a contract usually takes 15-30 minutes. When signing it, it is recommended to carefully check the following: the opening and expiration dates of the deposit, the interest rate, the correct spelling of passport data, and the place of registration. The agreement should also indicate the possibility of replenishing the account and early withdrawal of funds. The minimum age for an individual to open deposits or bank accounts is 14 years (after the child receives a passport).

The most favorable conditions for time deposits in rubles in Russian banks - 10 best offers of interest rates on time deposits for a month

Although Russian banks provide depositors with the opportunity to open short-term deposits at different interest rates, the longer the agreement is valid, the higher the interest rate, as a rule. Let's consider the most profitable offers for time deposits in rubles in Russian banks by monitoring existing deposits.

By placing 15,000 rubles or more on a bank deposit “Right Choice” for a period of 1 month, you can have a yield of 10.63% per annum. Not a single bank in Moscow offers higher rates on short-term loans. If the contract is terminated early (money is withdrawn before 31 days), the rate drops to 0.01%. Funds can be on deposit for no more than 550 days. Partial withdrawals are allowed and automatic prolongation is expected.

2. Bank INTERKOMMERTS

Under the Fireproof Deposit program, bank clients can open a time deposit for a month with a guaranteed 10% annual rate. The minimum deposit is placed for 31 days if at least 10,000 rubles are deposited into the account. Depositors are given the opportunity to replenish and partially, up to 50%, withdraw funds; early termination (at the client’s initiative) and automatic prolongation are also provided. The deposit rate does not depend on the amount of funds deposited and the terms of the concluded agreement.

When opening a “Multicurrency” deposit (from 3,000 rubles and above, for a period of one month), clients are guaranteed a fixed interest rate of 9.4% per annum. An account can be opened in several currencies at once, which are easily converted within the deposit itself. The interest rate does not depend on the amount of the deposit; the possibility of replenishment and partial withdrawal of funds from the account is not provided. Deposit extensions are carried out automatically.

Bank's name	Deposit name	Deposit replenishment, rub.	Minimum contribution, rub.	Percentage, %
2T Bank	2Tcontribution	Yes	1	10,0%
Ivy Bank	Ivy Plus	Yes	10000	9,6
Zlatcombank	Originally stable	Yes	50000	8%
Sudostroitelny Bank (SB)	Profitable	Yes	50000	7%
Rosselkhozbank	Classical	No	3000	6,0%
VTB 24	Profitable Telebank (online mode)	No	10000	5,3%
Sberbank	Save online	No	1000	4,7%

Nuances of drawing up a term deposit agreement

How to avoid mistakes and misunderstandings when signing a term deposit agreement with a bank? Experts strongly recommend double-checking all data entered into the document:

On changing the interest rate (the bank does not have the right to unilaterally lower the interest rate; this requires the client’s consent);
About the presence of penalties for early termination of the contract (as a result of penalties, the amount to be paid may be even less than what was originally due);
About the availability of automatic extension (to avoid extending the contract after its expiration, you need to find out how to do this before concluding it).

Where is it profitable to invest money - 10 best ideas + 9 tips to note.

Some still don't know where is it profitable to invest money and how to make a profit from investments!

What you need to know about investments?

Where is the best place to invest money?

What should you know about where to invest your money profitably?

Investing money is always a risk.

Even the most reliable banks can fail, and getting your funds back can be difficult.

It is not possible to avoid this 100%, but you can choose the most reliable place and make sure that even if the organization collapses, you will get back what you invested.

What a person investing for the first time needs to consider:

You should not invest all your savings in one place.

The investment must be documented.

This is a mandatory measure that will allow you to get your money back in unforeseen circumstances.

Pay attention to deadlines.

If you wish to receive your funds earlier than the period specified in the contract, you may lose the accumulated interest.

Consult with friends and relatives, find out where is it profitable to invest money.

10 ideas where it is better to invest money

When investing money, you should consider several options and choose the best one that suits you.

The best ideas where you can invest your money:

Suitable as an additional way to save and increase funds.

Few people know what mutual funds are and are afraid to invest their money in them, but in vain.

Income from mutual funds is average, but stable.

In a year or two you can get about 40% of the initial amount.

Real estate.

Investing in real estate is the best option.

Real estate prices can rise and fall, but they always rise in the end, and selling an apartment at such a moment brings a big profit.

It is also possible to rent an office.

Owning your own business is a great way to invest, save and increase money.

In order not to lose money, you need to draw up a clear, as detailed plan as possible, weigh all the pros and cons and choose the business that suits your liking.

Shares and securities.

In order not to get burned, you should choose a manager who will do everything necessary.

Metals: gold, silver.

To purchase bars and coins, you need to contact Sberbank of Russia.

You can also purchase gold-backed securities by visiting stock exchanges.

The investment is highly effective, but it should be borne in mind that when selling gold bars subsequently, you will have to pay a tax of 13%.

Own website.

The investment in creating a website is not too high and is completely worth it.

One well-promoted site can bring in up to 40,000 rubles every month, depending on the amount of advertising placed.

Venture fund.

Venture funds today are considered a worthy alternative to other financial instruments.

The investment is worth it, but you need to wait a few years to see a profit.

Own development.

A person who wants to increase his capital and earn big money should never forget about his own development.

Investments in this case are made in education, appearance, knowledge of the world - travel, seminars and trainings.

A multifaceted educated person will always find his place in the world.

Art.

By purchasing and selling art objects: paintings, first editions of books, antiques, you can earn a lot of money.

But to do this, you need to understand the value of things, be able to separate the wheat from the chaff, or resort to the services of a specialist.

When deciding whether where is the best place to invest money?, you need to calculate all the possible developments of events.

In order not to lose all your investments at once, in the event of negative developments, it is recommended to invest money in several different directions.

The question of where to invest money most profitably worries, as a rule, those who are unfamiliar or poorly acquainted with the principles of increasing profits and investment methods.

Advice for those wishing to invest their money:

It is necessary to think about saving and increasing funds in those periods when everything is in order with finances, and the payment of a large debt is not hanging on your nose. Panic sometimes forces you to take the wrong actions.
Within six months, you should accumulate an amount that will be deposited in the bank at interest. The larger the amount, the more you will ultimately be able to withdraw from the account.
Always strive for financial freedom. Do not reassure yourself that today everything is fine and nothing more is needed.
If you have children, think about their future right now. You can open a savings account in the child’s name and put money into it until they reach adulthood.
Create a new source of additional income every three to four months.
The most effective ways to invest remain the same from year to year. These are real estate, investments in precious metals, and stock markets.
Gold is most liquid in bullion rather than as numbers in a brokerage account. It is best to invest in gold indices on the stock markets.
You should only use the stock market as a means of investing and growing your capital if you are confident in your financial knowledge and abilities.
It is best to think about securing your future at the age of 20-30. However, due to inexperience, you should seek the help of specialists so as not to lose your investment.

Investments without losses: where is it better to invest money?

By following the basic rules compiled by investment specialists, you can achieve a multiple increase in capital and reduce risk.

Main rules of investing:

Reinvestment.

The funds received through investment should not be spent immediately.

They need to be invested in other projects, leaving a certain percentage of the profit for necessary expenses.

Don't invest your last money.

If you invest everything you have in your wallet, you may be left without any means of subsistence.

The main rule of successful investment is to act wisely, and investing all your last funds is a crazy act.

Care when concluding transactions.

Read all documents, request a contract and consult with specialists.

Investing money “in different baskets”.

One project will bring money earlier, another much later.

To always make a profit, you need to calculate the funds and distribute them across different baskets - deep and lower.

Where is the best place to invest small amounts of money during a crisis?

you will learn from the video:

Where is it profitable to invest money - features of investing in real estate

Real estate transactions are more popular today than investments in mutual funds and funds.

Many people purchase housing at the stage of its development at a minimum price, and subsequently resell it, receiving a good percentage.

However, there are several pitfalls in this matter and the risk of running into an unscrupulous developer.

To get the most out of your real estate investment, you should buy one- and two-room apartments, but not three-room apartments, as they are less affordable.

You need to buy apartments in small but developing cities.

Moscow and St. Petersburg are best left to local residents.

Selling an apartment in the capital will be very difficult.

To find a buyer faster, you should make cosmetic repairs in a new building.

There are many answers to the question where is the best place to invest money?, but everyone chooses the correct answer for themselves, in accordance with their capabilities.

Useful article? Don't miss new ones!
Enter your email and receive new articles by email

10Apr

Hello! In this article we will talk about what short-term financial investments are.

Today you will learn:

What types of short-term investments are divided into;
What risks do they have?

Economic essence of short-term investments

Every modern and enterprising person tries to create for himself. For this purpose, he puts his money into various projects.

Some people have impressive capital and prefer long-term investments with minimal risks and maximum profitability. And someone is afraid to part with money for a long time and chooses short-term investments.

In simple words, short-term investing is when you, securities, etc. for a period of no more than 12 months.

For example, you can for up to 1 year, or make an investment in a promising business. The well-known MMM is also an example of short-term investing.

The profitability and liquidity of such investments depends on where you invest your money and how great the risks are. Most often this is 3-20% of the invested amount.

Many investors are attracted to such investments due to their short duration. This is because 1 year is a fairly short period of time that can be easily predicted. It is enough to assess the political situation in the country and observe changes in the exchange rate of the national currency.

Types of short-term investments

Investments for a short period can be of different forms and types:

Securities issued by the state or municipality;
Securities of various enterprises (for example, bills or bonds);
Deposits forming part of the enterprise;
Loans provided by the enterprise;
Deposits with financial institutions;
All types of accounts receivable;
Contributions made under a partnership agreement.

Under certain circumstances, short-term investments can develop into long-term ones. But this point is always discussed between the parties before depositing funds.

Such investments vary in terms, forms, degree of risks and features of accounting for short-term investments.

Short-term investments do not include:

Shares that a person has personally purchased from shareholders;
Bills of exchange received by the seller for the goods or services he provided;
, as payment for its temporary use;
Tangible and intangible assets.

Not only individuals, but also large companies can invest money for a short term. In this case, short-term investments should be displayed in the “Current assets” section.

Most often, these forms of investment are used by entrepreneurs in order to protect their assets, represented in monetary form, from inflation. But the main goal of such investments is to make a profit due to the high liquidity of short-term investments.

Short-term investments on the Internet

The World Wide Web has penetrated into all spheres of human life. Exactly at . You can become a wealthy person by making short-term investments on the Internet.

Now we will talk about the most popular methods:

Forex market. Becoming an investor is not easy, but not so simple. The meaning of such investment is as follows. You will have to choose a currency pair, for example, the euro and the Canadian dollar, and successfully buy one currency, and then exchange it for another at the right time. The exchange rate depends on many factors, and you can predict it using your analytical mind and complex programs. The risks are quite high, and untrained people will have to rely only on their intuition and luck, just like in a casino. It is highly not recommended to do this without preparation.
. This is the same Forex market, only you do not make the transaction yourself, but entrust your hard-earned money to an experienced broker. He adds up his and your investments and opens a deal. If it is unsuccessful, then both lose; if the transaction is successful, then the broker takes his increased funds and gives you yours. The broker cannot withdraw your funds on its own.
HYIP projects. These are bright representatives of currency pyramids. You are offered to invest a certain amount at high interest rates (1-50% per day). You can make money this way, but it is a very risky undertaking. Such organizations can exist from 1 day to several months. The sooner you get there, the more likely it is that they will give you the money.

Where to invest money in 2018

In addition, you should pay attention to the following short-term investment options:

. You will need to choose a company that is confident in the market. Analyze it and find out whether the stock has growth prospects. In order not to “burn out”, you must have a good understanding of the market. If you are a beginner, you can seek help from specialists who, for a fee, will help you choose a company and will accompany you throughout the entire transaction, right up to receiving increased funds.
Investments in precious metals. At all times, people have strived for silver. This is still true today. But when buying these precious metals, remember that they will not bring very much income. But the main advantage of such investments is their safety, since gold and silver, although slowly, are still growing in price.
Investments related to the purchase of securities. Now more and more entrepreneurs are appearing with new ideas for business development. They offer investors to invest money in the development of their project. Before deciding to take such a step, an investor should think very carefully, because the risks are quite high.
Financial investments in government securities. The government is offering to purchase Treasury bonds that can be sold in the future. This option involves minimal risks, but also minimal income.
Investments in mutual funds. You fill out an application for redemption of a share. After this, you become the owner of part of the property mutual fund of a certain organization. The profit of the enterprise is divided among all shareholders. You can withdraw your money within a month after investing it.

Risks of short-term investments

Investors' opinions vary regarding the magnitude of the risks associated with short-term investing. Some believe that the fate of a deposit for 1 year is easy to predict. And the latter are not sure that even after a month they can get their money back.

In fact, it all depends on where and what you invest in. Options with the least risk bring small profits. And more risky projects promise to increase your capital several times and.

Let's look at different investment options in the table, which have different degrees of risk.

Before investing your hard-earned money, think 100 times, analyze the market situation, and consult with professionals in this field. This will help you avoid running into scammers and getting burned.

All investors were new at some point and made mistakes. Now they are not afraid to talk about their mistakes and are happy to share their experience.

Taking their advice into account, we have compiled:

Gain practical experience on small accounts;
Develop your instincts;
Regularly study financial market news;
Delve into the work of new companies that arise in other countries;
Develop, look for new ideas for building a business;
Distribute the funds you invest across 2 or more assets. This will help you make large profits;
Before investing money, weigh your financial priorities with the size of your savings.

Conclusion

Short-term investments are a very real way to get money. Only you need to approach this issue seriously and think about your every step. Depending on where you invest your money, the amount of your income depends.

Projects with minimal risks require minimal interest on deposits. But, sometimes, this is not the worst scenario.

If you are looking for a bank where you can deposit money for 3 months, you will find some offers in this article. Now such programs have become widespread among Russians who want to invest their savings for a relatively short period of time.

Is it worth investing money for a short period of time?

Advantages of deposits that last only a few months:

Convenient contract period, you can place your funds for the period you need.
If the service is not suitable, you can withdraw your funds.
You don't have to wait a whole year to get your savings back.

This is very convenient when you need to save a certain amount by some important date. Then you simply put them on deposit, don’t spend them on trifles, and even get additional income.

In addition, this is very convenient for those people who received a large sum of money, for example, after selling an apartment, and want to be sure of their safety. If you put these funds in a bank safe deposit box, then you need to pay for this service, and not only is the deposit opened for free, but the bank will also pay you for investing in it.

The disadvantages include the small interest rates offered by financial institutions. At the same time, the conditions indicate the annual percentage, which you need to divide by 4 to understand what your profit will be.

Deposits for 3 months at maximum interest

As a rule, banking organizations prefer to accept funds from the public for a long term, however, short-term deposits can also be opened on attractive terms. Next, we will look at the options that banks in Moscow offer for short periods:

Transcapitalbank and its TKB-Capital program, which will require a one-time contribution of 50,000 rubles. Term - from 100 to 400 days, yield - from 7.7% to 8%, payments occur at the end of the term;
Asian-Pacific Bank - there is a seasonal deposit "Heat" with the following conditions: minimum deposit from 250 thousand rubles, the rate is 7.7%, profit is paid at the end of the term. Funds are placed for 92 days;
BaikalInvestbank offers to open a “Maximum Income” deposit. To do this, you will need to deposit at least 10,000 rubles. for 95, 185 or 370 days at a rate of 7.6% to 8%. Payments at the end of the term;
NS Bank accepts amounts from 100,000 rubles. for the “Spring” deposit at a fixed 7.5% per annum. The contract is valid for 91 days, applications are accepted until the end of May;
You can sign up for “Convenient with Halva” with a contribution of 50,000 rubles with the option. They can offer you an interest of no more than 8.55% per year with payment at the end of the term (from 91 to 1095 days);
— accepts from 30,000 rubles for 91-367 days under the “Spring” program, you can get a percentage of up to 7.4%. They will pay the profit at the end of the contract;
Slavia Bank recently began offering its clients a deposit called “Glorious Capital”. To apply for it you need to invest 300,000 rubles, you can get up to 7.75%. The contract is valid from 91 to 364 days, payments are monthly, replenishment is allowed and;
BBR Bank and its “Emphasis on Interest” program. To open it, you need to deposit at least 50,000 rubles, the maximum rate will be 7.3%. Funds are placed for a period from 31 to 730 days. Options include preferential conditions for early termination, replenishment;
At Tavrichesky Bank you can apply for the product “Maximum + card “Bought - Accumulated”, where the yield reaches up to 7.3%, and you need to invest from 50 thousand;
Moscow Industrial Bank offers its clients to open a “Savings” deposit. You will need an amount of at least 3000 rubles. for 31-730 days, income up to 7.25% with monthly payments,

All about car tuning