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How to profitably invest money with interest (examples and profitability). Deposit or investment account: where is it more profitable to invest money? The best investment of money

  • 7 specific examples - where to invest money to make it work, which we will analyze further
  • Deposits or investing money at interest
  • Build your emergency fund before you move on to high-yield, high-risk investments
  • 3 ways to invest money in currencies and stocks
  • My experience is investing money in mutual funds with a minus sign
  • Investing in shares on the stock market
  • Exchange trading on Forex and the excitement with rising exchange rates
  • Investing in real estate - new buildings, hotel business, apartment building
  • The first property is a new building in the Moscow region, 4 km from the Moscow Ring Road
  • Second property - Apartment building in the Moscow region

I was looking for different options where to invest money. It was a fun and undoubtedly rewarding experience, except for one problem - ignorance was very expensive and required money for each new attempt.

For reference, the cost of ignorance in investing is too high:

One of the last houses I purchased for the purpose of investing money cost me additional expenses of 967,000 rubles, which actually could have been saved at the stage of negotiations on buying a house if I had used one of the principles of investing in real estate:

Everything that is stated by the real estate seller and increases the value of the property, but is not connected, must be checked and launched before you shake hands.

Warm floors, heating, gas, drinking water and its analysis, electricity and so on - in my case it turned out that the incredibly expensive heating system had to be turned off because it was defrosted. Change pumps and water treatment - it was not suitable for local conditions, and so on.

7 specific examples - where to invest money to make it work, which we will analyze further

3 ways to invest money in the foreign exchange and stock markets:

  • Investing in Blue Chip Stocks Using the Four Fools Strategy
  • Investing money in mutual funds - equity mutual funds
  • Investing money in currency on Forex

3 options where to invest money in the real estate market:

  • Investing in new buildings
  • Daily rental business
  • Investing in apartment buildings
  • (+) 1 way to temporarily store money and stabilization fund - bank deposit

One day you suddenly realize that your income is growing, but your bank account and savings are not - everything that you earn just as quickly goes down to maintain a growing standard of living and loan payments. Everyone sooner or later wonders where to invest money so that it works for you.

Save it to your bookmarks so you don’t lose it.

Save to yourself in 2 clicks

In order not to bore you with a long theory, I will say that deposits cannot be considered a means for profitable investment of money; at best, they are a temporary place for your savings until you find a more profitable and profitable way of investing.

The income from deposits is at the level of inflation (usually lower), although this is still 2 times better than giving money to a pension fund, but it is still not enough to create capital through compound interest - when you receive dividends, they are returned again invest, and interest is also accrued on them.

Build your emergency fund before you move on to high-yield, high-risk investments

The stabilization fund should be kept on deposit and amount to at least 3-4 monthly expenses of your family, and preferably 6 monthly expenses.

If there is any disruption to your cash flow, you will have plenty of time to correct it without your standard of living being affected. With this safety net, you are much more likely to succeed in high-yield real estate investments and won't have to quickly sell your assets for next to nothing to pay current bills.

3 ways to invest money in currencies and stocks

In the stock and foreign exchange markets there are players and speculators who play on the difference in exchange rates, and this can hardly be called investing money, because you need to have quite a lot of knowledge in this area and constantly monitor your open positions - every working day.

From passive investments, you can consider investing money in stocks on the long side, for example, according to the four fools strategy, as well as mutual funds ( mutual funds), in which the manager carries out trading for you.

A mutual fund is a mutual investment fund, when you purchase a share (share), and the company manager already purchases shares and other assets with the money of shareholders and takes his modest small percentage for management.
If you decide to invest in this instrument - consider investing in a stock index mutual fund, as the most independent from the manager.

My experience is investing money in mutual funds with a minus sign

When I first became interested in investing, I bought a mutual fund of shares, which it seemed to me had very good growth potential. As a result, for 5 years of investing in this mutual fund, its profitability was MINUS 4%.

Naturally, I used the averaging method - when you deposit equal amounts every month to smooth out possible market declines and compensate for the bottom.

I thought that mutual funds were a completely passive type of investment and missed the obvious moments when it was necessary to close positions and get out of money, although there is another problem - in order to sell a mutual fund you had to go to a bank branch and write an application for redemption, which was completely depriving this tool of attraction.

Therefore, after 5 years I repaid the mutual fund and received a final return of minus 4%. Although there are probably many people in this market who give (or say they give) high returns. There are no people around me who made their fortune on mutual funds, but what about you?

The main idea of ​​the day is to invest money in those tools that you understand

The "INVEST-AND-FORGET-AND-DON'T-CALL" approach always results in your money disappearing.

Therefore, before you make your first investment, learn the mathematical part, or rather the theory and practice of investing with a focus on the instrument you have chosen.

Investing in shares on the stock market

Another investment experience is investing in blue chip stocks using the four fools strategy. I’ll write out the full version of the strategy later, the main idea is that you select companies from a list of blue chips, based on the principle of dividend yield - the ratio of dividends paid to profits received.

The logic is simple - the less money a company pays out of its profits to shareholders, the more it invests in its development, and accordingly the shares can increase in price.

From the resulting list, 4 companies are selected in which money is invested.

This experience was quite good, I made money by buying and selling shares, but it was not like investing, it was just fun trading at the monitor, which needs to be done constantly:


Groundhog day at the trader's monitor

My conclusion about investing in stocks is that the stock market is not suitable for creating passive income and cash flow:

This method can be considered as one of the investment options, but it is necessary to regularly monitor the market and, if the exchange rate changes, withdraw it into money. My opinion is that this is a rather risky and unpredictable investment if you do not do it regularly and do not track daily dynamics. So, either study and go to the stock market as a job, or get ready to lose money.

Therefore, this option as a source of passive income is not suitable for me.

Exchange trading on Forex and the excitement with rising exchange rates

One of the advantages of my business is that income comes in different currencies, they gradually accumulate in accounts, and one day I issued a VIP card in one of our banks and received a personal manager as a gift. There is also the opportunity to trade Forex through your broker without a retail spread (the difference between buying and selling a currency).

This gave me the opportunity to simply dial a phone number in a matter of minutes to carry out a transaction to sell one currency and buy another. When the excitement began with the growth of the dollar, I did just that, the rate increased from 52 rubles to 69 rubles.

I was certainly glad, remembering the first principle of investing. Invest in what you are good at. I armed myself with courses and books on Forex trading and began to regularly view stock exchange news about the price of oil, a bunch of other information and the activity of the Central Bank in the market.

When the dollar rose to 69 rubles, I bought more and immediately it began to fall to 54-55 rubles. As a result, from all my actions I lost about 300,000 rubles, simply because I did not want to record losses and sell, hoping that the rate would rise back.

When you read this advice in books that cost 300 rubles, you think that I’m certainly not one of these naive guys, but only when you lose real serious money does it get to your head and ass.

Investing money in Forex and PAMM accounts- this is a roulette and a game

You need to keep your finger on the pulse on this topic if you trade on your own. This can be done, but again the experience will cost you a significant amount of money, plus this topic requires, in my opinion, quite a large amount of time and attention.

If you select PAMM accounts (when your account mirrors the transactions of top traders for modest deductions), in principle, you can consider it as an investment option, but again you need to understand how justified the risk is and what share of capital you are willing to risk, I would allocate about 20% of my savings to this topic and invest the rest in real estate. More on this further

Investing in real estate - new buildings, hotel business, apartment building

After various experiments, I came to the conclusion that investing in real estate is most interesting in my case and here’s why:

  1. Real estate, unlike stocks and currencies, usually increases in price, but the increase in the value of the property is like a cherry on the cake, because the main money comes from the cash flow from renting
  2. Regardless of the current value of the property, we rent out the property and receive passive income monthly
  3. Leverage can multiply the return on real estate investments
  4. Further, this income can also be taken into account in the bank, in order to use leverage to purchase the next objects, which also generate income, and so on, to grow income by leaps and bounds.
  5. ​It turned out that you can invest even with a minimum amount of 200-300 thousand rubles + there are options to start with generally minimal amounts(apartment house, daily rental, co-investment, etc.)

The first property is a new building in the Moscow region, 4 km from the Moscow Ring Road

Initially, an apartment with an area of ​​100 m2 was purchased in a house under construction 4 km from the Moscow Ring Road; its cost at the time of purchase was 7,500,000 rubles.

After 12 months, when the house was handed over and the keys were received, the market value of the property was 9.5 million rubles, an increase of + 2 million.
The first installment amounted to 1 million rubles, the rest was taken out as a mortgage - 75,000 rubles per month for 20 years.

At the time of delivery of the house, the personal capital invested in the new building amounted to - 1,000,000 (down payment + insurance) + 75,000 * 12 = 1,900,000 rubles.

The loan amount of about 100,000 rubles was paid on the mortgage (for the first year)

In total, when selling an apartment for 9.5 million rubles, it turns out

  • Repayment of mortgage debt - 7.5 million (initial cost) - 1 million (down payment) - 100,000 rubles (paid loan) = 6,400,000 rubles
  • There remain 3,100,000 rubles minus personal capital (1,900,000 rubles) = 1,200,000 rubles (profit for the year)
  • The return on investment for the year was (1.2 million / 1.9 million) = 63% per annum

Mistakes made when implementing the strategy

Real estate, business.

Bank deposits

This is the simplest, most basic and reliable way of investing. You give yours to the bank under a certain percentage. Bankers “scroll” this money by investing in other financial instruments. For which you receive a pre-agreed percentage of profit.

For example, you invested money in a bank for a year at 10% per annum. Bankers immediately give this money to another client in the form of a loan, but at 20% per annum. As a result, the bank returns your funds to you with accrued interest after a year, and pockets the remaining difference.

The advantage of investing in a bank is that you know exactly how much money you can get after a certain period of time, while other financial instruments cannot boast of this. You can calculate the profitability of a particular deposit using a deposit calculator, and if you need to calculate the amount of overpayment on a particular loan, use a loan calculator.

On the topic of bank deposits, read:

Mutual investment funds (mutual investment funds)

This is the second most popular way of investing. In short, mutual funds are a collective financial instrument when investors’ money is invested in one large pot and then professional managers increase this one large amount of funds using various methods.

The funds of shareholders (as those who have invested their money in a mutual fund are called) are usually invested in stocks, bonds, gold, currency, etc. More precisely, they are not just invested, but managed. Any fool can just buy shares. The task of professional managers is to find stocks that have fallen in price at the time of purchase and are likely to rise further.

In order to determine this probability, technical and fundamental analysis is used, the economic situation is studied both in the world and in a particular region, news is monitored, as well as many other parameters that are too complex for the average person.

This is the essence of mutual funds, to save people who are ignorant in these issues from all these difficulties. If you have free funds and you do not have the opportunity to trade on the stock exchange from morning to evening, then it is easier to transfer this money to those people who are immersed in the topic of investing headlong and have extensive experience behind them. At least at the initial stage.

Next, as your experience in financial matters grows, you can begin to buy stocks, bonds and other investment instruments on your own. We will talk about this in more detail a little later, but for now let’s return to mutual funds.

Compared to other financial instruments, investing in stocks is more profitable in the long term, but at the same time it is also very risky.

Here you need to constantly keep your finger on the pulse, monitor the situation in the markets, so as to prevent the loss of capital in the severe fall of financial markets that occur during various crises.

To more clearly understand what kind of profit you can get from shares, watch the video “How to earn 678% profit on Sberbank shares.”

Video: How to earn 678% profit on Sberbank shares

Bonds

This financial instrument is designed for people who are risk averse. It is very difficult to make a big profit on it. Typically, the return on bonds is no higher than the return on bank deposits. Therefore, this financial instrument can hardly be called a profitable investment.

However, this does not mean that money should not be invested in bonds. The point is that it is not recommended to “keep all your eggs in one basket.” Experienced and successful investors always distribute their funds across several different instruments in order to reduce their risks.

Imagine, you invested all your money in shares, but after some time there was a crisis in the market and their prices fell. At the same time, the amount of your capital will decrease. To prevent this from happening, you need to invest part of the money in deposits, part of the money in bonds, gold, and so on.

In this case, you will lose on one instrument, but will win on other instruments. But let's get back to bonds:

A bond is a debt security that confirms its owner’s right to receive a certain amount of money from the issuer.

And in order to understand how to correctly distribute funds between various financial instruments in order to reduce risks and increase the profitability of your investments, read these articles:

Forex

Forex (Forex, sometimes FX, from English.FOReign EXchange- foreign currency exchange) is a market for interbank currency exchange at free prices.

The essence of Forex is speculation with the currencies of different countries. For example, you bought 100 euros for 90 dollars. And after some time, these 100 euros were sold for 120 dollars. Thus, earning $30 on this transaction.

In Forex, trading always takes place in currency pairs, as in the example above. Changes in the value of currencies occur constantly and depend on many factors. For example, in Greece the economy is not developing, the state is not receiving profit, but the country must be supported somehow. Since Greece is part of the European Union (EU), everything in this country is bought and sold in euros.

Thus, the instability of the economy of one state influenced the attitude of investors towards the entire EU. Investors felt a threat to their capital and urgently began to get rid of the euro. All this led to a fall in the value of the euro relative to the currencies of other countries. It is on such movements that money is made in Forex.

This method of investing can only be called profitable if you trade Forex yourself, when you already have extensive experience, your own strategy for entering and exiting the market, as well as an iron will.

There are only a few people who have made a fortune on Forex. But there are millions of those who tried to get rich from this and went broke. Draw your own conclusions.

Endowment life insurance

This method of investing can hardly be called profitable. As the name implies, this is insurance in case of any unforeseen circumstances. Its difference from conventional insurance is that it is a combination of human life and health insurance with a program for accumulating, preserving and increasing your capital.

If regular insurance simply pays you a certain amount in the event of an insured event, then in this case, if nothing happens during the entire period of the contract, you will be able to receive either the entire amount accumulated over these years, or receive a monthly payment until the end of life.

OFBU

OFBU stands for General Funds of Banking Management. In essence, these are the same mutual funds, but with broader investment functions. On the one hand, this is a plus, since by investing money in OFBU you have the opportunity to increase profits through wider combinations of investment funds. On the other hand, it is more risky.

There were cases when OFBU showed a profitability of 600% per annum. However, the main problem is that the activities of OFBUs are little regulated by law, which is why they are less subject to control, unlike the same mutual funds.

There are also cases where the short-sighted activities of managers led to the complete collapse of the OFBU.

You can read more about the activities of general banking management funds here:. On my own behalf, I will add that at the moment it is best to invest in OFBU such an amount of money that you will not mind losing if something happens.

Hedge funds

I’ll say right away that in our country this is a relatively new and not sufficiently developed financial instrument, which is available only to wealthy clients.

The minimum entry amount here ranges from several hundred dollars to a million. In the West, hedge funds are extremely popular.

Hedge funds do not have strict regulatory regulation, which allows them to freely choose enrichment strategies and use a wide range of financial instruments when investing money in various markets. The result of the work of hedge funds can be both super-profits and colossal losses.

One of the most striking examples of hedge funds is the Quantum fund, whose founder is the notorious, who was able to make a profit of $1 billion in a day!

Structured (structured) products

A structured financial product is a complex financial instrument, which is issued, as a rule, by commercial and investment banks and is created to meet the specific needs of clients.

This financial instrument became especially popular during the crisis. After all, when you invest money in a growing market and constantly receive good profits, this is one thing, but when the situation in the markets is not stable, especially during crises, many investors try to find reliable ways to invest funds, which will give them greater profits than bank ones deposits.

The essence of a structured product is simple - part of the funds, usually 80-90%, is invested in bank deposits or bonds, but the remaining 10-20% is invested in futures and options.

All this allows, in the worst case scenario, to stay with your money and not lose anything; in the best case, make a profit of about 20-30%. This is not very much, but it is higher than the yield on bank deposits.

Although, again, what to compare with. For example, the most successful investor in the world, Warren Buffett, has provided his clients with about 24% per annum over the past 35 years. 24% per annum doesn’t seem like a lot, but only Buffett and no one else can receive such a profit consistently for many years.

Gold and precious metals

For many people, wealth is associated with a mountain of gold. Since ancient times, this metal was a symbol of wealth and power, so it became the cause of quarrels, robberies, murders and even wars.

Gold should not be considered the most profitable way to invest, despite the fact that it has risen in price in recent years. The fact is that most often gold acts as a refuge for investors in difficult times.

When crises dominate the world, in order to wait them out, investors withdraw their savings from stocks, bonds and other financial products, and then invest in gold.

As soon as the crisis subsides, investors immediately look for more profitable ways to invest their funds. This is what causes gold prices to rise in difficult times. But then, the price of precious metals inevitably falls.

Real estate

Real estate has always been a profitable way of investing. Not only does real estate itself not depreciate in value and, as a rule, only increases in price from year to year. But real estate also allows you to receive passive income from renting it out.

True, there is one serious “but” here, which is the high cost of real estate. Essentially, this is an investment for wealthy people. This is why this method of investment should be considered not at the initial stage, but when you already have big capital and you have the opportunity to invest in various financial instruments.

True, there are exceptions. For example, you can profitable investment to real estate at the stage of its construction. At this time, as a rule, there is no need to pay the full price for housing and you can pay a certain part monthly.

Thus, if you have the opportunity to contribute the required amount and this will not affect the quality of your life, then you can safely look for suitable options. The fact is that at the construction stage, a square meter of housing costs much less than later, when the construction is completed.

Business

Each of the above financial tools, has a certain degree of risk (reliability). Depending on this, the range of possible profits changes. The riskier a financial instrument, the greater the return it can bring. However, as well as a loss.

Each of these financial instruments has its own advantages and disadvantages. And under different life circumstances, it is worth choosing the best ways to invest. But, for myself personally, I have already determined the most profitable way To invest money– this is business!

Why? Because business is unlimited dividends! And they will depend only on you. From your efficiency, imagination, diligence, ingenuity.

Any other financial instruments are not up to you. They depend, for example, on the current market situation, on conditions determined by other people, on the financial results of a particular company, on the actions of speculators, on marketers developing certain financial products.

Creating your own business is entirely yours.

Here you set the rules by which you will play. Here you decide what income you will receive. Of course, business also largely depends on various external circumstances. But, in any case, the last word remains with you, even if you decide to sell it.

In 2007, I opened my own business for the first time. It was a small tanning studio. More precisely, it was a small room in one of the hairdressing salons, in which I installed a solarium, all the necessary accessories, appointed an administrator and began to earn money.

This business has many advantages. I will talk about them in the next issues. For now, I just want to draw your attention to the fact that this business has brought me good dividends. I received more than 100% per annum in a year.

It was a great challenge in which I was able to showcase many of my talents. Organizational skills, management skills, design talents, tested my advertising vision.

Gone are the days when keeping money in a savings account at a bank was considered the norm. Today everyone knows that money should not lie dead weight, but work. However, this simple rule is not so easy to implement in practice. Many people think that a small amount of money is not suitable for investing in a business or project. In this article we will talk in detail about where to invest a small amount of money in order to receive a regular income.

Experts say that the problem of investing money is a complex issue more from a psychological point of view than from an economic one. The fear of investing money in a project overpowers the economic feasibility of the rule that money needs to work. Especially when we are not talking about a large amount.

People consider the issue of investing money to be the prerogative of very wealthy and successful businessmen. However, investing is a way of investing money, regardless of the amount.

To narrow down the search for interesting and really working ideas for investing money, in this article we will limit the budget to 50 thousand rubles. But this does not mean at all that ideas cannot be used for an amount of 5-10 thousand rubles.

Here it is more important to understand the principle of investment and the essence of the law launched by Robert Kiyosaki that “money should work.”

Do we save or increase?

Before looking for an investment option, it is important to clearly define your goal. If the goal is to preserve capital, then the best method would be a bank deposit. But at the same time, a bank deposit is not the best way to capitalize a deposit and make a good profit.

Even with the most favorable interest rates, by the time the contract expires, inflation eliminates all economic benefits.

This is where you have to choose between financial risk and capital increase. It is also important to understand that when investing money in any income-generating project, it is important to wait time.

You cannot take money out of circulation, be it any business project or investing in mutual funds.

You also need to analyze your financial capabilities and decide on your desired income. Money should be truly free.

Golden rules for successful investing

When thinking about where to invest a small amount of money so as not to lose it and so that it generates income, you need to clearly understand the principle of investment.

The rules for successful investing will help you properly manage the money you earn and avoid the mistakes that many beginners make.

Rule #1. Money must be free

Experts recommend that before any investment of money, provide yourself with a so-called “financial cushion”. This concept came to us from the West and means a specific amount of money that is necessary to ensure life.

This includes expenses for food, payment for utilities and medical services, purchase of gasoline, etc. Depending on the situation in the family, the number of children, you need to calculate how much you need for these mandatory expenses per month. Now multiply it by 6 and get the amount that will be the “financial cushion” for 6 months. This is the period that experts determine is the most profitable for investing money.

An exception to this rule can only be passive income from a bank deposit that was previously placed with the bank.

Rule #2. Having a regular income

When investing money, you must understand that you cannot withdraw money from circulation. You must have active or passive income so as not to withdraw money from the project for a certain period of time.

Therefore, if you are not sure that you will receive a constant income in the near future, then it is better to refuse investing.

Rule #3. Distribution of money in different directions

Considering that we are specifically looking at investing a small amount of money, it will be difficult to distribute it across different areas.

But in order to understand the rules of the investment market, you need to know that diversification allows you to minimize financial risk as much as possible.

Rule #4. Planning and strategy

Set a clear goal for your investment. It is important to understand how much you want to extract from the capital you are charging and over what period of time. Write down a long-term and short-term goal. This will allow you to decide on an investment option and choose the most optimal method.

Rule #5. Explore types of investing

Before you invest money in a project or give it to a professional to work with, study for yourself all the available investment methods that are suitable for your amount of money.

Balance risks and opportunities. If you invest on your own, you should start with a small amount of money and choose the simplest methods. Over time, increasing your experience and level of knowledge, you can move to the next level.

You should be wary of offers to make quick super profits. At first glance, they seem very tempting, but they often carry a very high unjustified financial risk.

7 best ways to invest money

  1. Investing in gold or precious metals
  2. Purchase of securities
  3. Starting your own business
  4. PAMM accounts

In order to understand the essence of each of these types of investment, their risks and opportunities, let's take a closer look at each.

Investing in gold or precious metals

When it comes to a small amount of money of 1-2 thousand dollars, then buying gold is the best option. But, as in the case of a bank deposit, here we are talking more about the safety of money than about making a profit.

Unlike a bank deposit, by investing in gold, you will be independent of the inflation rate. Gold does not lose value and every year its nominal value only increases.

Statistics from Sberbank of Russia show the profitability of metal accounts over the past 5 years at around 84%. At the same time, the price for 1g of gold increased by 30% from 2012 to 2017.

When investing in precious metals (gold, platinum, silver), you don’t have to worry about the fact that at the end of the contract, you will receive an amount of money that no longer has the nominal value that it had at the very beginning of the deposit.

Considering the economic instability in our country and rising inflation, investors recommend giving preference to this type of investment over a bank deposit.

You can choose 4 investment options:

  • purchase of gold bars;
  • buying coins;
  • impersonal metal accounts;
  • acquisition of shares backed by gold.

An undeniable advantage of such a contribution is the availability of this method.

Here you do not need to have fundamental knowledge in the field of investing to calculate the profitability and risks of the project. Silver is purchased in bars from 50 grams to 1000 grams, palladium from 5 to 100 grams.

When concluding an agreement, the bank must issue a document confirming the authenticity of the gold and its estimated value.

What should you know when investing this way? Gold is property, which means that when sold to a bank, you will need to pay a tax of 18%.

You can get around this point by purchasing coins instead of gold. The fact is that they themselves are already money, so they are not subject to tax upon sale.

Another type of this method of investing funds is OMS (unallocated metal accounts). Such an account can be opened in any Russian bank that has a license for this type of operation.

Video. Investing in gold

The client purchases gold from the bank at the price that is set on the day of the transaction and opens a compulsory medical insurance. The purchase price of precious metal in a bank will be higher than on the stock exchange.

By opening a special account, the client does not deal specifically with gold. He transfers money to the account by purchasing a certain number of grams. When the account is closed, the bank returns the cash equivalent to the current account.

At the same time, there will be no need to pay a tax of 18% on gold. Compulsory medical insurance is not subject to VAT. Additionally, interest is accrued on the impersonal account, as in the case of a bank deposit.

But a serious disadvantage is financial risk. Unlike deposits, such compulsory medical insurance is not insured by the bank. In the event of a bank bankruptcy, there is a high probability that your capital will not be returned.

To summarize, it should be said that investing in gold and precious metals is safe, but not profitable. If you are more considering a way to save money, then investing in gold is the best option with minimal risk.

If we are talking about making a quick profit, then this path will not be the fastest.

  • long-term investment;
  • availability;
  • high liquidity of gold;
  • precious metals do not lose their value;
  • passive income opportunity.
  • when selling gold you will have to pay tax;
  • high purchase price of precious metals in the bank;
  • long-term investment;
  • You won’t be able to make a big profit right away.

Purchase of securities

This type of investment refers to the purchase of shares and bonds of companies. A security is a document that gives certain rights to property or part of it.

A security has a market and par value. What is the difference? The market price is formed under the influence of supply and demand of the stock market. Face value is the actual price stated by the company. It depends on the size of the company's capital. In simple terms, the sum of the total authorized capital is divided by the number of issued shares of the company.

Dividends are paid to shareholders based on par value rather than market value. As a rule, the nominal value is a very conditional indicator and rarely coincides with the market value that is generated by demand.

The advantage of such an investment is that you can count on a good income, which cannot be compared with the annual interest on a bank deposit.

The downside is that to manage investments you need to have a good understanding of the specifics of the stock market.

Securities are one of the most unstable instruments that are subject to numerous external and internal economic factors. For beginners who still want to try their hand at investing in securities, experts recommend purchasing dividend stocks. In any case, they will be able to make a profit.

Starting your own business

Many people may be very skeptical about this type of investment, given the small amount of capital. However, today on the Internet you can find a lot of business ideas for starting your own business with minimal investment.

Here's just a small list:

  1. Growing house plants.
  2. Flower shop.
  3. Opening of a nail service studio.
  4. Sugaring salon.
  5. Breeding nutria or rabbits.
  6. Production of semi-finished products at home.
  7. Home atelier for sewing and repairing clothes.
  8. Making gel candles or handmade soap.
  9. Wedding organization.
  10. Cleaning company.

A mutual investment fund is a mutual investment fund.

This organization is based on trust management of depositors' money.

The purpose of such a fund is to manage investors’ funds, while investment processes are handled by professionals.

Simply put, you allow experts to manage capital, investing it in various areas of production.

It should be noted that investing in mutual funds today is no longer as popular as it was 10–15 years ago.

In the early 2000s, the rapid development of such funds allowed their investors to extract up to 500% profit from projects. Today we are not talking about such huge profits, but it is still a good type of investment.

Any citizen who has the money to purchase one share can invest money in a mutual fund.

A share is one part that has its own nominal value. The advantage of such investing is that you do not need to have fundamental knowledge in the field of economics and finance. The search for profitable projects will be carried out by professionals. At the same time, the mutual fund does not limit the geographical location of the company. So, you can invest in domestic and foreign companies.

Experts here use the principle of diversification. The same one that we talked about in the basic rules of successful investing.

Mutual Fund allows you to invest money in the development of companies engaged in oil production, sale of cosmetics, production and processing of goods.

How does the investment fund operate?

For example, you have an amount of 50 thousand rubles. You understand that this is not enough to launch a large project. If you find 9 more people with the same amount, then half a million rubles can already allow you to launch an interesting and profitable business idea. But where to find the rest of the participants? Here, a mutual fund allows you to combine the efforts of several investors for competent money management. At the same time, the fund does not limit the deposit amount. Anyone can become a participant, and income will be distributed according to the amount invested.

We should not forget that a certain amount will need to be given to experts, because they will be the ones who will analyze the market and determine where to invest the money.

Each of the fund participants, depending on the investment amount, receives a certain number of shares. This indicates that each share has its own nominal value.

Using all the money, the fund to which you entrusted the assets buys shares of companies (maybe different companies) and manages them on the stock exchange. At the end of a certain period, which is specified in the contract, fund participants can withdraw their profits along with the initially invested capital. Or they can only take the profit, leaving the capital to continue working.

It is fair to say about the financial risk that exists in this type of investment. Of course, it exists, but it is minimal.

Firstly, professionals who have special education and extensive experience in the field of investing will work with money.

And secondly, taking into account the principle of diversification, money will circulate in different projects. The likelihood that all projects will fail immediately is minimal.

The good news for those who are afraid to invest money in mutual funds is state control. But even in this case, to minimize financial risk, it is important to choose the right fund.

Consider several criteria when choosing. Don't focus solely on profitability. These can be high indicators over a short period or an ordinary accident, a successful coincidence of circumstances. If profitability is the main criterion for you when choosing, then analyze the profitability of the mutual fund over a long period of time.

There are open and closed mutual funds, which differ in the rules of entry and equity participation.

An open-end fund is convenient with a minimum amount of equity participation and short-term investment.

A closed-end fund offers investment for the long term.

Having an amount of 10-15 thousand rubles on hand, you can safely invest it in a mutual fund and at the same time count on profits that will grow every year.

Very often, people, having half a million rubles in their hands, do not come up with anything new except to place all the funds in a deposit account.

The income from such an investment will be much greater than from a deposit, but only if the fund performs well.

  • the deposit is managed by experts;
  • high profitability;
  • free entrance;
  • low entry threshold;
  • possibility of deposit insurance;
  • state control over the work of the fund;
  • transparency of money management;
  • the ability to withdraw money with an open deposit form;
  • variety of projects.
  • payment for professional services;
  • financial risk.

Investment in PAMM accounts

Another option for investing a small amount of money is a PAMM account. To some extent, this option is similar to a mutual fund in that it pools the money of several investors.

But the main difference is the management of this money. Anyone can become a trader and manage investment accounts. These are brokerage companies that have recently gained great popularity due to intensive advertising in the media.

PAMM is a form of money management by one person who “plays” with securities on the stock exchange. All other participants observe the process, receiving profits in proportion to the money invested.

In order to implement this type of investment, you need to find a professional, successful broker. A professional broker is the key to the success of this type of investment. It is important to understand that all monetary transactions occur without the participation of the investor.

If you have always wanted to make money on the stock exchange, but at the same time you understand that you do not have sufficient experience and knowledge, then investing in a PAMM account will be the best option.

Brokers earn a percentage of each transaction, so they are primarily interested in the success of the project. But at the same time, they do not invest their money, which means they do not bear financial risk. For an investor, investing in PAMM accounts is a good opportunity to receive passive income.

Video. Investments in PAMM accounts

Conclusion

Of course, this list of options for investing a small amount is far from complete. In this article, the information was based on the criterion of a capital amount of 50 thousand rubles and the lack of specific experience.

Today on the Internet you can find many offers on the topic of investing a small amount. To avoid becoming a victim of scammers, do not consider financial pyramid options. The tempting offer of making quick and high profits is always offset by the fact of a complete loss of your capital.

Video. Where to invest a small amount of money?

The problem of preserving and increasing one’s own finances in the conditions of the unstable Russian economy is very acute. Despite the presence of many different investment options on the market, choosing the best method is quite difficult. However, there are several simple rules, following which will help you wisely invest a small amount of money or serious financial resources in 2018, safely and with maximum benefit.

Investment rules

Before answering the question of where it is most profitable and reliable to invest free money today, it is necessary to list several recommendations from experienced investors. Their implementation will avoid unnecessary risk and ensure the safety of funds. The most important tips from financial market professionals are as follows:

  1. Don't invest the last one. Investing is almost always a long process. Therefore, you should first create a financial cushion that can provide for the investor and his family for at least 5-6 months.

    Advice. A bank deposit can act as a financial cushion, since it is, rather, not an investment, but a savings instrument.

  2. Don't put your eggs in one basket. The term “diversification” from economic theory is perfectly suited as one of the main principles of any investment.
  3. Study the risks carefully. An important rule for investors is not to overestimate the value of profit, especially declared profit, and always consider it in combination with reliability.
  4. Cooperate with other investors. Large investments can bring greater profits. Another important advantage of such associations is the division of responsibility, which reduces the risk of each individual participant.
  5. Strive to create passive income. The best option is to ensure your own life exclusively at the expense of this source of financial resources.
  6. Invest in education. Often the best investment is not buying an apartment, car or other product, but investing in yourself and developing your own potential.

Definition. Passive income refers to a person’s income that does not depend on his daily activities. Typical examples are interest on deposits, dividends on shares or from your own business, copyrights, and in some cases, rent.

Of course, smart investing is a complex and multifaceted process that is difficult to implement, guided only by the 5 tips from experts described above. However, following them will allow you to invest your money wisely in order to receive a stable monthly income without the risk of losing your investment.

Bank deposits

The simplest and most widespread way to save money. Its main feature is the combination of low profitability and minimal risks. Now in Russia, banks are ready to open deposits at an average of 5-8% per annum, which can hardly be called serious earnings even in conditions of low inflation.

The main advantages of deciding to invest money at interest in a bank are:

  • Low risk. Although we should not forget the numerous cases of revocation of bank licenses that occurred in 2016-2017;
  • Liquidity. You can always withdraw money from the deposit, even if you lose interest;
  • A variety of deposits offered, both in terms of profitability and terms. An investor can invest money for a short term, for six months, a year or several years;
  • Minimum entry threshold. As a rule, a deposit can be opened with only 1 thousand rubles on hand;
  • The ability to open a deposit both in rubles and in currencies, for example, dollars or euros;
  • A simple and understandable investment mechanism.

Among the disadvantages of investing by opening a deposit account are low interest rates and their loss if funds are withdrawn prematurely. As a result, a bank deposit can be considered an effective tool for saving funds, but it does not allow increasing the amount of financial resources. The most attractive investment options are large state-owned banks, for example, Sberbank, Rosselkhozbank, VTB, or banks with foreign participation, in particular, Raiffeisenbank or Rosbank.

Investments in mutual funds

Mutual funds are a form of collective investing. The mechanism of operation of a mutual fund is quite simple - it collects money from private investors and makes investments in the stock market. The expected effectiveness of investments is assessed by mutual fund specialists. The main advantages of this type of investment are:

  • Minimum entry threshold. Usually its value is 1 thousand rubles, as in the case of a bank deposit;
  • Higher percentage of income than in a bank;
  • Using a variety of stock market mechanisms, including options, futures, stocks and bonds;
  • Additional income in the form of dividends on securities;
  • Participation of the investor in the formation of the investment portfolio.

Arguments in favor of a negative answer to the question of whether it is worth participating in investments in mutual funds include:

  • The investment procedure is relatively complex compared to a bank deposit;
  • Higher investment risk, allowing for losses;
  • The need for professional knowledge in the case of one’s own participation in the formation and management of an investment portfolio.

Today, the leaders in terms of the volume of funds raised from individuals are mutual funds formed under the largest Russian banks. These include “Sberbank - Prospective Bond Fund”, “Alfa Capital Bonds Plus”, “Raiffeisen - Bonds”, “VTB - Treasury Fund”, etc.

Forex and PAMM accounts

Forex is a global currency market designed for the exchange and conversion of almost all currently existing currencies. An important feature of this type of investment is the possibility of both the investor’s independent participation in ongoing trading and the choice of a managing trader who opens a special PAMM account for the accumulation of investors’ funds on it.

The advantages of investing financial resources in Forex are:

  • Relatively affordable entry threshold, which is usually equal to the monetary equivalent of $100;
  • Possibility of obtaining high profitability;
  • Conducting financial transactions on the Internet online;
  • A large number of different financial instruments. An example is trading conducted using various cryptocurrencies.

Important. Trading on the Forex market is an eloquent confirmation of the rule - the higher the possible profitability, the higher the potential risks.

The main disadvantage of investing in Forex is the potentially high risk of such investments. In addition, independent participation in trading requires special knowledge of the financial market, without which the likelihood of losing funds increases even more.

It is quite difficult to explain to a non-specialist or so-called “dummy” the principles of Forex or the features of investing in the securities market. However, for any person, be it a student or a pensioner, the mechanism of investing in precious metals, for example, gold, is clear.

Today, many banks offer a similar opportunity. Particularly popular is Sberbank’s proposal to open a so-called impersonal metal account. This financial instrument is an account containing information about the amount of gold or other valuable metal owned by the investor.

The advantages of investing in precious metals are as follows:

  • Guarantee of the safety of invested funds, especially during periods of various financial crises, when other financial instruments are much less reliable;
  • Clear investment mechanism;
  • Possibility of replenishment;
  • High liquidity.

The main disadvantage of investing in metals is the unpredictability of prices on the market. As a result, the profitability can be either 50% in just a couple of months or remain zero.

Real estate or construction

A classic investment option for those who want to invest money so that it works and creates passive income. The purchase of real estate, residential or commercial, with subsequent rental is a popular financial instrument that can not only save, but also increase the investor’s funds. Some of the most significant benefits of investing in real estate include:

  • Generating passive income by renting out housing or offices;
  • Gradual increase in the price of an asset;
  • Can be used as collateral or to organize your own business.

A serious disadvantage of investing in existing real estate, a new building or a plot of land is the high entry threshold. Even the smallest apartment will cost several hundred thousand rubles. Two more important disadvantages are the low liquidity of the asset, which takes time to sell at a good price, as well as the need for periodic repairs.

Shares and securities

Purchasing shares and other types of securities on the stock market is a fairly effective investment option. However, for stable profit making, specialized education or the involvement of specialists in the person of financial brokers is necessary.

One of the common investment options in the stock market was described above in the section on mutual funds. These organizations, in fact, are financial brokers serving a large number of clients at once. The pros and cons of these investment methods are also generally identical.

Mining and cryptocurrency

Numerous cryptocurrencies have gained serious popularity in the last 3-4 years. Their purchase and mining is considered a very real way to invest money in order to make money both on the ever-increasing price and on the production of new bitcoins or other lesser-known types of virtual coins.

Today, such an investment method as ICO is extremely popular. It represents the attraction of financial resources necessary to launch a new cryptocurrency. The income from the investment depends on the success of the launched project.

The main disadvantage of this investment option is the high risk of such investments. Cryptocurrency markets have serious volatility, that is, they are very unstable. Therefore, a large profit can turn into no less significant losses in a matter of days.

Own business

Creating your own business also comes with a high degree of risk. However, in this case, the investor independently influences all ongoing processes and can largely control them.

The main advantages of organizing your own enterprise in the form of an LLC or individual entrepreneur is the opportunity to do what you love while earning money. Among the pleasant bonuses is the attraction of co-investors and borrowed capital, which often allows you to receive additional income. The disadvantage of developing your own startup is the high risk and low liquidity of most of the assets.

Microfinance organizations

Today the MFO market is much more organized and streamlined than 2-3 years ago. This is due to tightening control by the Central Bank. As a result, the number of microfinance organizations has sharply decreased, and the remaining companies represent quite an interesting investment option.

The main advantage of investing in MFOs is the higher profitability, several times higher than the usual bank interest rate. The flip side of such a serious benefit is the riskiness of such deposits. As insurance against loss of funds, it is recommended to contact only large microfinance organizations that have been successfully operating in the market for a long time.

The Cashbury situation has divided the lives of many people into before and after. Therefore, today we will talk about where to invest money without risk with a yield of 23-75% per annum. I’ll tell you about the methods I know and add modern ones that are more profitable from my point of view.

  • Conclusions.

When looking for 100% reliable sources of investment, you need to understand that the less risk, the lower the level of return on investment.

The most risk-free and reliable ways to invest money are:

  1. Purchase of federal loan bonds for the population (OFZ) issued by the state.

Security 99.9% thanks to the low level of Russian public debt to GDP compared to the crisis 90s.

Deposit amount from 30,000 rubles. One bond costs 1000 rubles, to open an account you need to purchase at least 30 pieces.

The deposit period is 3 years. Early refund possible up to 12 months. with loss of all income, after 1 year with preservation of income already paid. After 3 years the amount is returned.



Pros:

  • Ease of investment. You can buy OFZ for the population at Sberbank and VTB24 on the day of application
  • The state is the guarantor of the return of funds
  • Affordable amount for beginning investors
  • Income received from federal loan bonds for individuals is not taxed.
  • Yield is higher than most bank deposits
  • Payment of income every 6 months.
  • OFZ can be inherited

Minuses:

  • Low yield up to 10% per annum
  • Payment of bank commissions 1% upon registration
  • Loss of income when withdrawing money early before 1 year

You can increase your profitability by 13% from investing in OFZs by purchasing corporate bonds on the stock exchange and opening an Individual Investment Account (IIA) with a Russian broker.

In this case, the tax office, in accordance with Art. 219.1 of the Tax Code of the Russian Federation will return 13% of personal income tax withheld by the employer from your salary, but not more than 52,000 rubles. in year. Those. It makes sense to deposit no more than 400,000 rubles into an individual investment account. per year and have a net salary of more than 33,000 rubles/month. The investment deduction can be received every year for 3 years from the date of opening the account.

At the same time, you can receive a personal income tax refund simply for the fact that the money is in the account, i.e. You don’t even have to buy bonds. But if you close your IIS before the end of 3 years, the deduction amount will be withheld from you when the money is issued.

Thus, by combining investments in federal loan bonds on the stock exchange and deductions from IIS, you can increase the yield to 20.45-27% per annum with a minimum of risks. At the moment, this is one of the simplest and most effective ways to invest money without risk.

The main thing is to choose reliable brokers, because... such accounts are not insured by the state. For example, you can open an IIS at Sberbank or VTB24.

If you are an individual entrepreneur or an organization, then you are provided with a deduction in the form of an exemption from paying tax on income received in the form of positive financial results when trading on the stock exchange.

  1. Bank deposits

Bank deposits are now classified as risk-free investments because... deposits up to RUB 1,400,000. insured. But not all. Therefore, when opening always check whether the deposits of the bank you are interested in are insured. This can be done on the website of the deposit insurance agency in the section “Deposit Insurance” - “Participating Banks”. The same site indicates how to receive a refund in the event of a bank termination.

The main advantages of bank deposits:

  • You can deposit money from 3,000 rubles, i.e. available to everyone.
  • Convenience of opening at any bank on the same day or online
  • Possibility of quick early refund
  • Safety of invested funds

To choose a bank and a deposit with the most favorable conditions, enter “Open a deposit (your city)” into the search engine and go to the bank ru website. It has a convenient deposit search system; you can set parameters by amount, partial withdrawal and replenishment, and interest capitalization.

Among the disadvantages of bank deposits, I note:

  • Banks often have problems revoking their license, so it is better to choose large and reputable banks.
  • Low level of profitability

There are several ways to increase the profitability of bank deposits:

  • Open deposits online.

Almost all banks now allow you to open a deposit online via the Internet, and the interest rate on the deposit will be 0.25-0.75% higher.

  • Pay attention to interest capitalization.

For comparison, Renaissance Bank offers deposits: Without Borders online with a yield of 6% per annum and monthly capitalization of accrued% and Renaissance profitable online with a yield of 8% and payment of principal and interest at the end of the term, without capitalization and replenishment.

Initial amountDeposit term8,25% 6,00%
100000 1 687,50 500,00
2 687,50 1002,50
3 687,50 1007,51
4 687,50 1012,55
5 687,50 1017,61
6 687,50 1022,70
7 687,50 1027,81
8 687,50 1032,95
9 687,50 1038,12
10 687,50 1043,31
11 687,50 1048,53
12 687,50 1053,77
13 687,50 1059,04
14 687,50 1064,33
15 687,50 1069,65
16 687,50 1075,00
17 687,50 1080,38
18 687,50 1085,78
Total % accrued for the entire period12375,00 18241,54
Difference between accrued % 5866,54

The table shows that the longer the deposit term, the more profitable the tariff with capitalization. The difference over 18 months was about 6,000 rubles.

  • Place part of the capital (30-40%) on a foreign currency deposit.

The rate on them is several times lower and rarely reaches 5%, but this way you will win much more or insure yourself in the event of a significant drop in the exchange rate of the national currency.

  • Use “cascading” distribution of deposits to make the most of your capital.

This means that you open several deposits:

  • The first deposit is opened at the most favorable interest rate for 3 years with the possibility of replenishment.
  • The second deposit is opened for 1.5-2 years with the same conditions.
  • The third opens for 6-12 months. at the highest% with flexible withdrawal conditions in case of force majeure.

The point is this: banks are interested in raising money for as long as possible. Therefore, interest rates are higher on deposits opened for several years.

With this system, you fix the maximum interest on your deposit for 3 years, putting in there the money you want to save and increase. A deposit for 1.5-2 years forms your “safety cushion”. The third deposit is formed through the use of credit cards. Those. you order several credit cards with grace periods, mostly from 55 to 120 days. You pay for current expenses with credit cards, and put the money you earn in the bank at interest. The main thing is to ensure that there are no late payments. In unforeseen circumstances, money from the 3rd deposit can be withdrawn to solve current problems, while maintaining high interest on other deposits.

By investing in this way, bank deposits cease to be simply sources of saving money from the current level of inflation and begin to work for you. Therefore, deposits fit perfectly into the list of ideas where you can invest money without risk and receive good interest.

  1. Real estate investing

From time immemorial, investing in real estate has been considered the most reliable and stable way of investing until recently.

Currently, in order to invest money in real estate successfully and without risks, it is necessary to take into account trends and changes in legislation. That's why when investing in real estate in the second half of 2018-2019. Please note the following:

  • Taking into account the reduced interest rate on mortgages when purchasing new housing, the possibility of paying part of the cost with maternal capital and the high growth rate of housing under construction, the demand for secondary housing has been falling for several years now.

That's why It makes sense to invest in secondary housing if you get a good deal at a low price, for example, urgent sale, poor condition of the property, falling into dilapidated housing with resettlement in the coming years, or favorable location.

  • The demand for smaller apartments and studios, which are therefore more affordable, is steadily increasing. Therefore, it makes sense to invest in such objects.
  • Demand and prices for housing vary greatly by region. An increase in prices is observed in cities where the pace of construction has noticeably decreased (Nizhny Novgorod, Vladivostok), and in tourist resorts (Sochi, Gelendzhik). Housing prices are also rising in cities with a growing migration flow, such as Krasnodar, Tyumen, Kaliningrad, and St. Petersburg.

But in Moscow, prices for new buildings, due to the high pace of construction and unsold apartments in already completed buildings, began to decline, although not significantly.

  • In July 2018 Amendments and additions were made to Law No. 214-FZ “On participation in shared-equity construction of apartment buildings and other real estate.”

In particular, they have tightened the requirements for developers when using shareholders' money in construction. According to experts, this will lead to increased costs for developers, which will lead to higher prices for housing under construction. Selling housing at the “pit” stage will become unprofitable for many developers, which will also affect the value of real estate.

  • In general, property prices depend on factors such as infrastructure development, inflation, demand and mortgage rates. According to official data, real estate prices will rise by 6-7% per year, and in Moscow by 20% in the next 2 years. So, according to experts, until mid-2019. The greatest prospects will be for real estate at the “pit” stage in regions with increased demand for housing.
  1. Investing in Structured Programs

Structured brokerage programs are the fourth reliable way to invest money without risk. At the moment, such large Russian brokers as BCS, Otkritie, Finam, Sberbank have developed structured products to attract money.

The bottom line is this: you collect your individual investment product based on the assets of the protective (risk-free) part and the profitable part (in which you can either lose some money or get a higher profitability).

The protective component consists of investments in deposits, bonds, bills, real estate, precious metals and other sources that are subject to minimal risk of loss.

The income part comes from investing in stocks, trading on the Forex market and other risky methods with high returns.

The minimum investment amount is on average 100,000-300,000 rubles.

Deposit term from 6 months.

Benefits of investing in structured products:

  • The product is selected individually for each individual, taking into account the acceptable level of risk and desired profitability. The average return with 100% capital protection is 9-12% per annum if the value of assets increases. In case of a fall, only a basic return of 3-5% per year will be paid.
  • No expert knowledge is required - depending on investment goals and profitability, specialists will recommend suitable products and will carry out all operations and control them.
  • Possibility to deposit money in foreign currency.

Investments in structural objects have a number of disadvantages:

  • A decent amount of starting capital for many
  • If you withdraw money early, you may lose money
  • Low level of profitability with 90-100% protection. Those. If you want to get a good return, the likelihood of losing part of your capital increases.

This method can be considered in order to distribute risks for novice investors, and if the protection threshold is lowered, in order to obtain higher returns than on bank deposits.

  1. Investing in cryptocurrency with hedging– a great way to get good returns with almost no risks.

In this case, one of the profitable investment strategies described in the article is used:

Cryptocurrency is purchased for 50% of the allocated capital. This is your asset; if the cryptocurrency rate increases, you will receive a good profit.

The second half of the funds is deposited into the account of a forex broker offering cryptocurrency trading

To protect yourself in case the exchange rate falls, pending sell orders are placed below the level at which you bought the cryptocurrency.

If the currency exchange rate begins to fall significantly, a sell transaction is opened, which covers the loss from the loss of coin value.

The benefits of investing in cryptocurrency include:

  • Possibility of obtaining a profitability of 25-100% in 6-12 months.
  • The use of hedging reduces risks to a minimum
  • By keeping money in a broker's account in dollars, you can win if the national currency falls
  • High speed of transfer into money - you can withdraw and receive money within 24 hours.

Disadvantages of this method of investing money:

  • You need to take the time and gain minimal knowledge on how to buy cryptocurrency and place trades with a broker. It will take 5-12 hours.
  • Cryptocurrency is characterized by volatility, so if the forecast is negative, you need to have patience to wait out the temporary drawdown.
  1. Creating a business.

Investing in a business is another way to invest money without risk, if you know which business to invest in.

conclusions

As you can see, almost all risk-free investment options are aimed more at preserving and protecting capital than at increasing it. In this regard, if you are under 35-43 years old, then when compiling an investment portfolio, I recommend that you allocate no more than 30-45% of your capital for risk-free investment. Because the main goal of investing is to grow money, so more aggressive ways of investing money can bring greater dividends.

What investments do you consider risk-free? Share in the comments.