What is the best thing to invest in? Where is it profitable to invest money - ideas for the right investments

Many who have available funds want to invest money to make it work. It is important that the income received exceeds the inflation rate. At the same time, every investor wants the risk to be minimal. There is no way to avoid this situation without studying modern investment options.

Before you begin to analyze and compare investment options, you should remember a number of rules. They help you invest your money as efficiently as possible. Below are some expert tips that can help you avoid most investing problems.

1. You can only invest free money. In other words, the amount that can be invested is defined as the remainder of the income after paying basic payments and needs. You should also not risk your own money, borrowed or on credit. If you do not follow this rule, you can find yourself in a difficult financial situation. There are known cases when investor families were left without a livelihood. In addition, there is a risk of loss of funds, which will lead to the inability to pay the loan. The result may be a damaged credit history.
2. You should not expect that you will immediately be able to provide for yourself by receiving passive income. Most likely, at first it will be too small to ensure a comfortable existence. Therefore, at first, most of the funds earned will have to be reinvested, that is, used to increase the invested capital.
3. It is imperative to draw up an investment plan. It must clearly indicate all the parameters of investing money. First of all, such a plan must fix which investment options will be carried out and in what proportion. At the same time, it must be flexible enough and easily adapt to changing conditions.
4. In order not to lose all your invested funds, risks should be diversified. That is, you cannot invest all your capital in one investment project. It is best to choose at least 3 suitable options. The likelihood that three projects at once will turn out to be unprofitable is small. With proper analysis, at least one will bring profit.
5. It is important to constantly monitor the money invested. Regular monitoring of the situation allows you to make the right decision, as well as adjust your financial plan if necessary.
6. You should not get involved with dubious projects that promise huge profits. In this case, there is a high probability of encountering scammers, which means losing your invested funds.

These simple tips help even novice investors enter the financial investment market wisely. Don't forget that investing is also work. Without regular analysis of the situation, it is unlikely that you will be able to make money.

Top 10 most profitable investments in 2019

The instability of the economic situation leads to the fact that the profitability of investment products is constantly changing. It is important to calculate all possible options and coordinate them with the prevailing circumstances in the country and the world. In search of an answer to the question of where to invest money profitably in 2019, experts have compiled a rating of the best options.

Investments in the development of small businesses (Alfa.Digital platform)

For those who decide to start investing with an amount of 100 thousand rubles or more, investing in small businesses through specialized platforms is excellent. Most often, such options are offered by large banks. They develop investment products. By investing money in them, the owner of the funds essentially lends to companies selected by the bank.

Despite the fact that the risk in this case falls entirely on the shoulders of the investor, it can be noted that it is relatively low. This is due to the fact that the money invested is distributed among a large number of organizations.

An excellent example of a platform that offers to make a profit in this way is Alfa.Digital, organized by the bank of the same name. The following investment conditions are offered here:

• yield up to 30% per year;
• payments are made once a week with accrued interest;
• The minimum investment amount is from 100 thousand rubles.

Investments in P2P lending

The P2P lending service allows you to invest almost any amount. In essence, it is a so-called social loan. Both the borrower and the lender in this case are private individuals.

This option represents a very profitable investment. The interest rate on P2P lending is about one and a half percent per day. True, about half of them will have to be paid to the service that provides intermediary services.

Those looking for P2P lending services can explore two interesting portals – Vdolg.ru and Loanberry. The first site accepts investments ranging from 4 thousand to 10 million. This amount is enough to invest money and receive monthly income. Loanberry allows you to start investing in loans to individuals from 1000 rubles with interest from 20-30 percent per annum. Moreover, now there is such a function where, for a fee of 5%, you can connect insurance against default, when the site takes over the payment of the debt in the event of a borrower’s default.

Investments in Forex (foreign exchange market)

Many people have heard what Forex is. However, not everyone understands that it is not limited to independent trading. To make money in the foreign exchange market through trading, you will need a significant amount of serious knowledge. In addition, without experience, it is unlikely that you will be able to make money by trading independently.

However, you should not refuse to invest money in Forex; just choose one of two popular methods:

1. PAMM accounts represent a certain type of transfer of funds to professional traders for management. In this case, you can invest even a small amount. It is determined solely by the conditions of the selected PAMM account.
2. Those who dream of making Forex transactions on their own can use social trading systems or copying the transactions of professionals. In the first case, based on the opinions of experienced traders, forecasts of market behavior are made, which help beginners make the right decision. When copying trades, you should choose a trader you trust so that you can learn about all the trades he makes.

When opening positions independently, the investor has more opportunities to reduce risk. This is explained by the fact that if there is no confidence in a particular forecast, you can refuse to conclude a deal. In PAMM accounts, all decisions are made by the manager himself.

Investments in startups

Investing in a startup is a profitable investment that can bring significant profits if successful. A startup in the financial world is a business project or idea that is at the initial stage of development. It is quite natural that even the best projects need an infusion of funds for their implementation. However, not all idea owners have available funds. Therefore, they are forced to seek help.

It is unlikely that you will be able to get a loan for the development of a project from a bank. This is due to the lack of confirmation of the profitability of new projects. Investors who prefer to invest in promising projects at their inception stage come to the aid of beginning businessmen. The main difficulty of investing in startups is that it is very difficult to determine which project will be profitable and which will bring a loss.

Investing money in mutual funds

A mutual fund or mutual investment fund is a promising investment that can be classified as a type of collective investment. Investors (in this case they are called shareholders) purchase part of the fund’s property, called a share, and wait for its value to increase. In fact, such investments must be long-term; in this case, the probability of making a profit is the highest. The advantages of mutual funds are:

• high degree of protection from the state;
• no need to have special knowledge;
• low entry threshold - the cost of a share starts from two thousand rubles.

The profitability of a mutual fund depends on the investment strategy it applies. There are moderate, conservative and aggressive funds. In the order in which they are transferred, profits increase. But do not forget that the risk is directly dependent on it.

Experts recommend that if an investor, when choosing where to invest profitably and safely in 2019, has given preference to mutual funds, choose for investment funds that invest the collected funds in the field of IT technologies. Today they are the most promising. In addition, such mutual funds have the best combination of profitability and risk.

Investments in investment or savings insurance

Investment and savings insurance programs are a combination of a profitable financial product with insurance. When signing an investment insurance contract, the client receives a number of advantages:

1. guaranteed return of 13% from the state due to tax deduction;
2. investment returns due to the management of your money by an investment or management company;
3. the opportunity to open a deposit for a longer period than regular deposits.
4. Free life and health insurance;

Endowment insurance allows you to solve two problems:

• protect yourself in case of financial problems;
• accumulate a significant amount of money through effective money management.

Investments in securities (Through IIS)

Those who decide to invest in stocks and bonds should open an individual investment account. This can be done by contacting brokers or a management company. Most often, investors make money in the stock market in one of two ways:

1. Independent trading involves opening transactions solely on the basis of the investor’s own knowledge. In this case, it is unlikely that you will be able to make a profit without experience and certain skills.
2. Copying the strategies of experienced managers. Such profitable investments, for example, are offered by the company Finam. It is implemented using the Trade center service. It is enough to choose a strategy and connect to it so that all transactions made on the professional’s account are transferred to the investor’s IIS.

Investing in real estate

This method requires the investor to have a fairly large amount of money. The amount of capital depends on the region and the type of property purchased.

In order to make a profit, you can purchase both residential and commercial real estate. There are several options for making a profit with this method of investing:

1. purchase of real estate for the purpose of subsequent rental;
2. purchase for resale.

In the second case, you can increase your income by buying real estate under construction or purchasing dysfunctional or granny flats and selling them after renovation.

It is important to remember that the sale of real estate that has been owned for less than five years results in an obligation to pay income tax.

Bank deposits

Deposits have recently lost their popularity. This is explained by a decrease in interest rates. Nevertheless, they deserve attention. Despite the fact that this option is not a real way to earn money, if you invest money at interest on a deposit, you can reduce the impact of inflation. Deposits are suitable for those investors who do not have sufficient financial knowledge, as well as large capital.

A deposit can be opened even for small amounts - many banks offer to conclude an agreement for one thousand rubles or even less. For many, the determining factor when choosing a deposit is the interest rate. Due to the current deposit insurance system in our country, the choice of a bank has faded into the background. In search of where it is more profitable to invest your money, you should pay attention to the programs offered by Tinkoff Bank. The stakes here are always at a fairly high level.

Investments in microfinance organizations

Investments in microfinance organizations allow you to invest your own capital at a high interest rate. In this case, you do not need to have any additional knowledge and skills.

However, this option is not suitable for everyone. Most companies set a fairly high minimum entry threshold. Traditionally, it is at the level of one and a half million for individuals and 500 thousand for legal entities.

Thus, there is no universal answer to the question of where it is better to invest money. The decision must be made for each case separately, focusing on the available amount, as well as the desired risk and return.

Where is it profitable to invest money now, in the fall and winter of 2017, to get income? Read the opinions of experts in the RBC material.

In the third quarter, investments in real estate and dollars showed a loss, and shares of Russian companies became the best investment option. What else could you make money on and what investments are the most promising in the fourth quarter?

Every quarter, RBC calculates the profitability of ten ways to invest money. For calculations, we take the amount of 100 thousand rubles. and estimate how much investors could earn by investing this money in different assets. At the end of the third quarter, most of the instruments taken into account by RBC showed positive dynamics, with the exception of real estate, deposits in dollars and cash in dollars. The most profitable asset was shares - an investment that, based on the results of the first and second quarters, turned out to be the most unprofitable.

Investing in shares

The most profitable asset over the past quarter was Russian shares included in the MICEX index: over three months the indicator rose by 9.18% (from 1902 to 2077 points). An investor who has invested 100 thousand rubles in shares from the index. at the beginning of July, by the end of September, having sold the securities, I would have received 109.18 thousand rubles. Portfolio manager of Capital Management Company Dmitry Postolenko associates the increase in stock returns with the dividend payment season. According to him, the companies showed high dividend yields, and many foreign investors paid attention to Russian assets. Increased demand led to an increase in stock prices.​

“Due to rising prices for oil and metals, company incomes began to increase. But due to the fact that the Russian economy is growing at a slow pace, companies with low debt levels have decided to distribute profits among shareholders rather than reinvest in new projects, notes Dmitry Postolenko. “In addition, high payments to shareholders are due to the fact that state-owned companies were instructed to pay 50% of profits under IFRS as dividends.”

Freedom Finance senior analyst Bogdan Zvarich believes that the stock's return was due to the stable state of the energy sector and rising oil prices (during the quarter, Brent futures rose in price from $49.7 at the beginning of July to $57.5 at the end of September). But in the fourth quarter, the analyst does not expect such support for Russian shares, which will entail a slowdown in the growth of their market profitability by about a third, that is, securities from the index could grow by an average of 6%.

Investments in mutual funds (UIFs)

In the third quarter, investments in mutual funds (the RBC sample includes the ten largest open-end mutual funds by assets) could earn on average 4.23% of the investment amount. Eight out of ten funds became profitable after three months. The best dynamics were shown by shares of the Uralsib - Growth Shares stock fund (the only stock fund in the RBC sample), which rose in price by 10.5% (from 23.6 thousand to 26.1 thousand rubles). Seven bond funds posted gains ranging from 1.68% to 2.86%. According to the results of the last three months, shares of two funds turned out to be unprofitable: Mutual Fund “Reserve. Currency investments" (the share fell by 1.42%, to 119 rubles) and the mutual fund "Sberbank - Eurobonds" (the share fell by 1.6%, to 2,163 rubles).

Dmitry Postolenko believes that the increase in the yield of mutual funds of bonds of Russian companies is primarily due to the strengthening of the ruble (over the quarter it strengthened against the bi-currency basket by 0.6%). According to the forecast of Bogdan Zvarich, the yield of mutual funds on Eurobonds will remain restrained against the backdrop of a stable ruble. “Russian securities funds will remain a profitable instrument until the end of the year, maintaining positive dynamics,” notes Bogdan Zvarich.

Precious metals

Last quarter, an investor could also make money by investing in precious metals. Gold futures rose 4.7% over the three months to $1,289 per troy ounce. Silver rose 3.5% to $16.86 per ounce. But taking into account exchange rate revaluation, a Russian investor who invested in gold could earn 2.36%. The return on investments in silver in rubles amounted to 1.17% for the quarter.

“The increase in the cost of precious metals was associated with the escalation of the confrontation between North Korea and the United States, as well as with the weakening of the dollar. As a result, investors preferred to invest in protective assets, which are traditionally considered gold and silver,” explains Aleksey Belkin, portfolio manager at Finam Financial Group.

At the end of August, gold prices reached their highest levels since September 2016, exceeding $1,330 per ounce, and silver was trading at more than $17.5 per ounce. But, according to the analyst, a correction has emerged since mid-September amid easing geopolitical tensions and a strengthening dollar. “After the US Federal Reserve announced an upcoming rate increase (the market expects the Fed base rate to be raised in December by 0.25 percentage points - RBC), the American currency began to win back its positions,” explains Alexey Belkin. In the near future, according to his forecast, precious metals will become cheaper if the US Federal Reserve confirms its promises with actions.

Bank deposits

The level of income on ruble deposits remained unchanged compared to the previous quarter - 1.7% for three months. The average rate on three-month deposits in July was 6.74% per annum, therefore, having invested 100 thousand rubles at the beginning of the quarter, by the end of September the depositor would have received 101.7 thousand rubles.

Ruble deposits show a tendency towards a gradual decrease in profitability against the backdrop of falling inflation and a reduction in the key rate of the Bank of Russia (this year it was reduced in several steps from 10 to 8.5% per annum), says Deputy General Director of Interfax-CEA Alexey Buzdalin. The trend towards lower deposit rates will continue in the near future, the expert believes. But in real terms (minus inflation, which has slowed to 3.3% in annual terms, real returns could be 3-4%) deposits remain an attractive instrument.

Deposits in euros showed lower returns than ruble deposits - 0.95% for the quarter, with an annual rate of three-month deposits of 0.06% at the beginning of the period. The profitability of the deposit, which is determined by changes in the exchange rate value and the deposit rate, in the third quarter was mainly ensured by the growth of the euro exchange rate (the official rate increased from 67.8 to 68.44 rubles), and not by the deposit rate.

Deposits in dollars, on the contrary, turned out to be unprofitable: having placed 100 thousand rubles in the account. in July, after three months, the investor would have withdrawn only 97.79 thousand rubles. (that is, 2.21% less). At the beginning of the period, the rate on dollar deposits for a period of three months was 0.35% per annum (or 0.087% per quarter), but all this profitability was eaten up by the weakening of the dollar against the ruble over the quarter. The official dollar exchange rate fell from 59.3 to 58 rubles in three months.

Foreign currency deposits are not a way to earn money, but “primarily a way to diversify your own investments relative to currency risk,” says Buzdalin. This year, the risk of a weakening of the ruble may well materialize in the event of unfavorable dynamics in oil prices, the expert believes. As for rates on foreign currency deposits, growth should not be expected, since banks are now not interested in attracting foreign currency liabilities.

Currency

Buying euros at the beginning of the quarter would have earned the investor 0.11% at the end of the quarter. According to the RBC Cash Currency Market service, three months ago the euro could be bought at the rate of 67.8 rubles, and sold at the end of September at 67.9 rubles. The American currency, on the contrary, fell in price. A dollar could be bought for 59.2 rubles and sold for 57.5 rubles. At the end of the quarter, investors lost 2.91% due to the exchange rate difference.

According to the chief economist of the Eurasian Development Bank, Yaroslav Lisovolik, the recovery in oil prices is in favor of strengthening the ruble. And the ratio of changes in the exchange rate of the euro and the dollar to the ruble (the dollar fell in price, and the euro strengthened) was influenced by the dynamics of the euro exchange rate to the dollar on the world market. “During this year, the euro/dollar exchange rate has shifted in favor of the euro due to both economic and geopolitical factors,” he notes.

According to the expert, this dynamics was primarily due to the fact that rate increases by the US Federal Reserve were periodically postponed in the third quarter. At the same time, the euro grew after the victory of Emmanuel Macron (a supporter of maintaining a single European market and a single currency) in the presidential elections in France and against the backdrop of improving macroeconomic indicators in the euro area (the highest growth rates (0.6%) of GDP in the European area are now observed last years). As a result, the euro weakened less against the ruble than the dollar.

Real estate

This asset turned out to be unprofitable for the investor at the end of the quarter. Over three months, Moscow real estate fell in price by 1.6%. According to irn.ru, at the end of September the average cost of 1 sq. m. m amounted to 166 thousand rubles. versus 167 thousand rubles. at the beginning of the quarter.​

The fall in apartment prices is primarily due to the predominance of supply over demand, explains Svetlana Podchalina, head of research in real estate and construction at the NAFI Analytical Center. “The market is oversaturated with supply, while incomes continue to decline, and most people do not have the opportunity to purchase an apartment, even if prices drop,” she explains.

Podchalina does not advise investing in housing, since the market decline may continue not only until the end of the year, but also in the longer term. “Moreover, not only the cost of an apartment upon sale decreases, but also the rental price of housing. In addition, the owner of the apartment will have to spend money on its depreciation, which, given the rising prices for building materials, will be too expensive,” she says.

We all save money. A schoolchild saves for a new smartphone, a student for a car, a young family for an apartment (or more often for a down payment for a mortgage), a worker for a vacation, and a pensioner for a funeral. And no matter how tense the economic situation is, money somehow accumulates. Otherwise, why are there so many iPhones and expensive cars around?

But what most people don't realize is that when you have accumulated money under your pillow, it quietly diminishes. Every night the “savings killer” comes and steals a small part of our savings. And this killer's name is Inflation.

The official inflation rate in Russia for 2015 is almost 13%. But we know that it is quite underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely more than 20%.

Thus, all our savings depreciate at a rate of at least 20% per year or 1.65% per month. So, now most investment methods help not to increase your funds, but to at least slightly compensate for inflation.

In such a situation, it is very unwise to keep money under your pillow. Any spare money should be put to work. But how to invest them as reliably and profitably as possible?

Investing is not that difficult.

I think everyone has an idea of ​​what investing is. When investing, you put your money to work. That is, you invest money expecting to receive even more money in the future.

But we must not forget that investing entails risks. Instead of the expected profit, you may receive a loss or even lose all your money.

Therefore, the main rule of investing is risk diversification. According to this rule, you should split your savings into parts and invest them in different investment projects.

For example, let your investment portfolio be 100,000 rubles. Then you need to choose several investment instruments that are suitable for you. Let's assume you have chosen mutual funds, PAMM accounts and backing and HYIP projects. Now you will need to distribute your portfolio between instruments depending on how much risk you are willing to take.

Let’s say that you are committed to moderate risks and distribute your money like this: mutual funds – 40%, PAMM accounts – 40%, backing – 10% and HYIP projects – 10%. Now you need to apply the principle of diversification within each investment method you choose.

That is, you will need to select several different PAMM accounts and distribute your 40% of the portfolio between them. The same must be done with other chosen investment methods.

In order to comply with this rule, you need to use several tools that can multiply your money. I have selected 12 of the best ones for you.

Let's compare the 12 best ways to invest.

I have not only selected the 12 best investment methods for you, but also compared them with each other. For comparison, I selected several parameters, which I decided to evaluate using a 10-point system, where 1 is the lowest score and 10 is the highest.

Comparison of the best investment methods.

The following options were selected:

• Simplicity. This parameter characterizes how easy it is to understand this method of investing, understand the principle, find a suitable company and make a contribution.
• Profitability. Here the average return on investment will be assessed. Most often, this and the following points are interconnected: the higher the profitability, the higher the risks.
• Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
• Entry threshold. Shows the minimum amount you can invest.
• Liquidity. Estimates how quickly you can withdraw your deposit, and what losses await you if you withdraw money prematurely.
• Passivity/activity– this parameter shows how passive this type of income is. That is, 10 points means “put it in and forget it,” and 1 point means that in order to get maximum profit you will have to spend additional effort and time.

Of course, all my assessments will be subjective and I think that many readers will not agree with them.

1. Bank deposit.

A bank deposit is the most understandable and simple way of investing for an ordinary person. Even any grandmother understands how everything works. After all, even in the Soviet Union, in which there was no investment, people kept money in savings books. And one of the heroes of a popular Soviet film urged fellow citizens to keep money in savings banks.

All you need to do to make a deposit is to choose a bank and come there with your passport and money. What could be simpler? I bet 10 points.

At the same time, the profitability of a bank deposit is not high. At the moment, deposit rates range from 7% to 12.5%. I think this is one of the lowest returns of all investment methods. Deserves 1 point.

But you can be sure of the reliability of your deposit. Deposits are insured by the state. Even if you plan to invest a large amount, then in order to insure against the fact that your bank’s license will be taken away, you can break the amount into small parts and invest in several banks. In this case, even if the bank is deprived of its license, and your deposit was less than 600,000 rubles, you will be compensated for both the deposit and interest. 10 points for reliability.

You can start investing with an amount of 10,000 rubles. This is not much at all, so you can put it beyond the entry threshold 8 points.

In most cases, you can withdraw money from your deposit at any time. But if you withdraw money early, you will lose most of your profits. 7 points for liquidity.

This type of deposit falls into the “put it in and forget it” category. All you have to do at the end of the investment period is go to the bank and withdraw your money. Well, or extend the deposit. 10 points.

Pros:

• High reliability.
• Availability.
• Low taxes. You will have to pay 35% of taxable income, which is calculated using the formula: all income minus the refinancing rate.
• Predictability of results.

Minuses:

• Low profitability.

Conclusion. This type of investment serves not to increase your money, but to at least somehow compensate for inflation. In any case, if you do not want to take risks at all, then this method is better than just keeping money under your pillow.

2. Mutual investment funds (UIFs).

For an ordinary person, investing in mutual funds does not seem like a very clear idea. To understand this, try explaining to your grandmother at the entrance that you are buying shares in a fund of a management company that invests money in assets.

You also need to take the choice of mutual funds seriously, studying the statistics of different funds. After this, you need to go to the office of the company or its agent. I'll give it for simplicity 6 points.

The profitability here depends on the type of funds and on the approach to choosing a mutual fund. The riskier the investment the fund makes, the higher the potential return is expected, but in most cases it is not high. 3 points.

Reliability also greatly depends on the type of fund. While bond mutual funds are one of the least risky investments, investments in venture funds carry very high risks. On average, I would rate reliability at 7 points, because at least you won’t be able to lose a large part of your deposit, as in other investment methods.

The minimum cost of a share starts from 300-500 rubles per share, which is suitable for almost everyone. 10 points.

I think most people invest money in open mutual funds, so at this point we will only talk about them. You can withdraw money from open funds by selling your shares in 1-3 business days. I'll put it 10 points.

Still, with this method of investing, you will have to spend a little time managing your investments. Of course, the management company will manage the fund without your participation, but you will have to transfer money between mutual funds and decide when to sell shares and when to buy. 8 points.

Pros and cons of this investment method:

Pros:

• A large number of assets in which the fund can invest.
• Low entry threshold.
• Relatively low risks.

Minuses:

• Possibility of incurring a loss if the fund choice is unsuccessful.
• Relatively complex investment procedure.
• An investor should be interested in the stock market.

Conclusion. With successful selection of funds and proper management of your investments, the profit from the deposit covers inflation and brings in a small income. But we must remember that many funds bring losses to their investors.

3. PAMM accounts.

Brokerage companies have invested so much money in advertising in recent years that only the deaf have not heard about Forex and the tempting prospects of becoming a successful trader. Therefore, it is not difficult for an ordinary person to understand the principle of PAMM investing - give money to a trader so that he can play with it on the stock exchange.

You can find a suitable broker on the Internet. At the moment the most popular is Alpari. So I'll put it 7 points for simplicity and clarity.

Some accounts can bring you more than 100% profit per year, while others can drain all your money. But, when using the principle of risk diversification, the income from this type of investment is slightly higher than in mutual funds and is estimated by me at 5 points.

As returns increase, risks also increase. When using the principle of diversification, you will not lose the entire investment amount, but you may receive a loss. For reliability I would put 6 points.

You can start investing in PAMM accounts with an amount of $10. At the moment this equals 700 - 800 rubles. The amount is small, so I bet 10 points.

You can withdraw money at any time within one or two business days. Therefore, for liquidity 10 points.

You will have to spend time managing investments. If you do not use automatic tools, you will have to log into your personal account almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I bet 6 points.

Pros and cons of this investment method:

Pros:

• Low entry threshold.
• Opportunity to create your own investment portfolio.
• Simple investment procedure.

Minuses:

• It is possible not only to receive a loss, but also to lose the entire deposit amount.
• An investor should be interested in trading on the foreign exchange market.

Conclusion. This is a very common method of investing, which has gained popularity due to advertising. This method of investing money is more suitable for those people who like the foreign exchange market or who have experience trading on the stock exchange.

4. HYIP projects.

This type of investment is often called quasi-investment. In simple terms, these are pyramids that accrue profits to participants from new deposits.

Investing in these projects is very easy. Many of them accept bank transfers and payments through the most popular payment systems. Most often, HYIPs have a legend that explains to gullible investors where the company gets the money to pay such high interest rates.

It is very easy to contribute to such a project via the Internet. But if you are new to the Internet, it will be more difficult. For convenience I would put 8 points.

HYIP projects promise cosmic profits. On average, long-term HYIPs offer to pay 20-30% per month. Short-term ones can promise to double the deposit amount in just a few days. 10 points for the promised profitability, but in fact it is, of course, lower.

There is no need to talk about any reliability of deposits. The project can collapse at any moment. Every day 1-2 HYIP projects are opened and the same number are scammed. Therefore, for reliability I would give everything 1 point.

I think at this point and the points below we should consider only long-term projects. The minimum entry amount starts from 1,500 thousand rubles. 9 points for a low entry threshold.

In most projects, the deposit cannot be returned. It will be returned to the investor throughout the investment period with each payment. Therefore only 1 point.

If you have already invested money in one of the HYIPs, then all you can do is sit and hope that the project will exist and pay. There is nothing you can do anymore. Completely passive investments deserve 10 points.

Pros and cons of this investment method:

Pros:

• High profitability.
• Convenient deposit and withdrawal of money.

Minuses:

• Very high risks.

Conclusion. Make money onHYIP projects can only be carried out by those who are “in the know.” You need to be able to analyze projects and find those that can generate income. Most people who make money on HYIPs compensate for the loss when investing by attracting referrals.

5. Backing (investing in poker players).

Almost everyone knows about a game like poker. At the same time, many people understand that successful players receive big money for winning tournaments. But how many people know that most poker players do not play with their own money in major tournaments?

That is, if a strong player does not have enough money to participate in a tournament, he turns to an investor (sponsor), who receives a percentage of the prize money if he wins. A player may also have several sponsors who invest in the player and receive a profit from the winnings depending on the amount of investment.

You can buy a share from a player only by agreeing on this on specialized forums. For example, on the forum of this site: PokerStrategy.com. To purchase, you will need to personally contact the player. For convenience I would put 4 points.

The reliability of this type of investment highly depends on the choice of players. In addition, when purchasing a share, you do not sign any contracts and the player may “not want” to give you your share for winnings. 3 points for reliability.

You can buy a share from $10. But only novice players sell so cheaply; to buy a professional’s share you will need to invest 200-300 dollars. But it’s still better to start with small investments, so I bet 10 points for a low entry threshold.

There is no such thing as withdrawing money. You pay a share, and if a player gets into the prizes, you take the profit.

After you have made a deposit, all you have to do is wait for a positive outcome. You can no longer influence anything. 10 points.

Pros and cons of this investment method:

Pros:

• The possibility of making a big profit if the player wins the tournament.

Minuses:

• More suitable for people who understand poker.
• The deal is based only on a verbal agreement with the player.
• Typically, players earn more than sponsors.

Conclusion. Rather, backing is suitable for people who are well versed in poker. The average person will have a hard time choosing the “right” player.

6. Trust management in sports betting.

Most people view sports betting as gambling. But professional privateers earn a lot and consistently from betting on sporting events.

Many privateers create their own PAMM accounts, into which they actively attract investors. This type of investment is similar to PAMM accounts in the foreign exchange market.

In order to make a contribution, you need to register on the BetPamm.com trust management platform and select several accounts for investment. 7 points for simplicity.

If you look at the profitability charts, you will see that top privateers increase the funds in their accounts by thousands of percent. Such income should be captivating. But on average, the returns from this investment method are much lower and deserve 6 points.

If you use the principle of diversification and invest in several PAMM accounts, then at least you will not lose the entire investment amount due to privateer’s mistakes. For reliability I would put 6 points.

You can start investing with very small amounts. For a low entry threshold 10 points.

You can withdraw money quickly and easily. 10 points.

After investing, you will need to monitor the selected PAMM accounts in order to transfer money between accounts in case they go into a loss or achieve maximum profitability. 6 points.

Pros and cons of this investment method:

Pros:

• Short-term investment.
• Independent portfolio creation.
• Low entry threshold and the ability to use a demo account.

Minuses:

• Possibility of receiving a loss or losing the entire amount.

Conclusion. This investment method is very similar to investing in PAMM accounts in the Forex market. But it is not so famous due to the lack of advertising.

7. Startups (venture investments).

In recent years, stories of successful startups have been heard from everywhere. Everyone understands how profitable it would be to buy shares of young companies that in a few years would turn into large billion-dollar corporations.

The first way to invest in a startup is to enter into an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at reduced prices. An example of such a startup is Unitsky’s SkyWay.

You can also invest in a startup using crowdinvesting platforms and startup exchanges. Exchanges do not inspire confidence in me, since I consider them hype (read my review of ShareInStock). But many reputable sources call them real companies. When you go to the exchange, you will see audited and verified companies in which you can buy shares. All you have to do is choose a suitable startup and buy a share in it. For simplicity 7 points.

For purchasing shares on the stock exchange, the company will pay you dividends in the amount of 2% to 7% per month. In addition, an investor can sell his shares if the company develops and its shares increase in price. He can also sell shares if they lose value and he realizes that he has invested in a shell company. For profitability 6 points.

You need to understand that startups are a risky type of investment. According to statistics, 70% of them are unprofitable, and 20% of these 70% are simply scammers who embezzle investors' money. But even of those companies that are among the 30% of successful ones, half break up in the near future due to internal problems.

One of the ways to invest in startups is crowdinvesting platforms. Unfortunately, in Russia they are not very developed and the minimum amount of investment through them is quite high. But all companies represented on the site are subject to mandatory verification. There is also the opportunity to invest directly in startups. For reliability 6 points.

The barrier to entry into this type of investment is not high. 10 points.

If you decide to withdraw money or redistribute it within the share exchange by selling all or part of the purchased shares, then you will need to sell them on the exchange at a price below the market price. The lower the price you set, the faster your shares will be bought. 7 points.

To make the most profitable investment, you will have to devote your time. It will be necessary to track changes in the value of shares on the stock exchange, selling and buying them. There is no manager here, so you have to do everything yourself. 5 points.

Pros and cons of this investment method:

Pros:

• Convenient and simple investment procedure.
• Very low entry barrier.
• High potential profitability.

Minuses:

• High risks with passive investing.

Conclusion. If you decide to invest in startups, then it is better to use exchanges. You will pay about 5% for withdrawing money, but you will be protected from scammers.

8. Currencies and precious metals.

Surely, among your friends and acquaintances there is a person who, with a smart face, claims that money should be kept in gold (platinum, dollar, pound, yen, etc.). This approach says that the person does not understand investing, but simply uses popular “stereotypes”.

For example, if you look at the dynamics of gold prices, you will see that since 2012 it has depreciated against the dollar by almost one and a half times.

If you decide to do without the services of managers and buy precious metals or currency yourself to store money in, then this procedure will not be difficult.

You can buy currency at bank branches, or using the services of brokers (which will be more profitable than buying through a bank). You can also change currencies using online and offline exchange offices or payment systems.

Precious metals can also be bought in banks. And it became possible to purchase gold using the WebMoney payment system.

Also, do not forget about cryptocurrencies, for example, Bitcoin, which, according to all forecasts, will rise in price in the long term. Buying these assets will not be difficult, so I bet 8 points.

Buying precious metals or currencies for long-term investment primarily protects you from depreciation of the national currency. For many countries with weak currencies, this is a smart decision. But rates behave unpredictably, so there may not be any profitability. 2 points.

A beginner does not know which direction the exchange rate will go in the near future, so his investment is more like gambling. Even if people now prefer to keep money in dollars, what is the guarantee that oil will not rise in price in the near future along with the ruble?

You can probably protect yourself from the depreciation of the national currency by storing half of your money, for example, in dollars, and the other half in rubles. This way, if rates fluctuate, you won’t lose anything, but you won’t earn anything either.

Profitability depends on luck and I would bet everything 2 points.

The entry threshold depends on the type of asset and the method of purchase. On the exchange, 1 lot will cost at least $1,000, and through exchange offices or payment systems you can exchange amounts of several dollars. So anyone can buy currency or precious metals. 10 points.

You can sell currency as quickly as you can buy it. In exchange offices and stock exchanges this is done almost instantly. Gold is also a highly liquid asset. 10 points.

In general, trying to influence profits by tracking rates and then selling assets turns you into a trader. And I wouldn’t classify trading as investing. Therefore, I understand investing in currencies and precious metals as “invest and forget.” That's why 10 points.

Pros and cons of this investment method:

Pros:

• Can protect against depreciation of the national currency.

Minuses:

Conclusion. Buying precious metals and currencies is a very unpredictable way to invest money for a beginner. You can reduce risks and increase profitability either by entrusting money to a manager, or by independently studying trading in the foreign exchange market.

9. Securities.

I think most securities people are only familiar with stocks. The most financially literate will probably be able to name bonds. Only a few people know how to invest money in securities.

In fact, buying securities is no more difficult than buying currency. You also need to contact a large bank or broker. 7 points for simplicity.

When a beginner buys securities, making a profit is a big question. And, if even a beginner can count on a small income when investing in bonds, then the stock market can bring a loss to a novice investor. 3 points for profitability.

In fact, usually low returns entail low risks, but not in this case. The risks are high in the stock market. 3 points for reliability.

You can start investing with a small amount. The entry threshold starts from approximately 1,000 rubles. 9 points.

Securities can be sold on the stock exchange in the same way you bought them. This asset is considered quite liquid. I bet 10 points.

Again, if a person begins to manage his securities on his own, then he already turns from an investor into a trader. Therefore, here we consider only passive investing. 10 points.

Pros and cons of this investment method:

Pros:

• A simple investment procedure and a low entry threshold.

Minuses:

• For a beginner, this is a risky and low-yield way of investing money.

Conclusion. If you have already decided to invest in securities, then it is better to contact a professional manager who will manage your funds for a small commission. As a newbie, investing in the stock market on your own is more like gambling than investing.

10. Real estate.

There is one stereotype among people: “ The safest investment is buying real estate" But do not forget that real estate includes not only apartments, but also various buildings, structures, water bodies, forests, etc.

In general, there is some truth in this, because many people want to save up for an extra apartment in their old age in order to rent it out and get a good increase in their pension. And if something happens, you can sell it and get good capital.

You can invest in residential or commercial real estate, under construction or already built, suburban or located within the city. The ease of investing also depends on the type of property you choose.

To invest in residential real estate, you will need to contact a realtor, look for suitable options, fill out a lot of documents and, possibly, make repairs. As for me, the procedure is quite dreary.

If you decide to buy commercial real estate, then the hassle becomes much greater. You will need to do accounting, pay taxes, manage facilities, and re-register energy supplies. On average I would give it for convenience 2 points.

As for profitability, from residential real estate you can receive no more than 1 percent per month for long-term rent. This is 7-10% per year. Renting residential properties on a daily basis turns into work and is not considered.

If you expect to sell it at a higher price after some time, then it is far from certain that prices will rise. In general, for profitability I would bet 3 points.

Real estate is indeed highly reliable. Unless, of course, this is a facility under construction.

Even if real estate prices fall, you will continue to receive a stable rental income. For reliability I put 9 points.

The entry threshold is high, even if it is a collective purchase of real estate. The minimum investment amount starts from several hundred thousand rubles. I'll put it 2 points.

It often happens that in order to sell real estate (especially commercial real estate) faster, you have to set a very low price. Sometimes properties cannot be sold for several months. I bet 3 points.

If we consider long-term rental of residential real estate, then we will not have to spend much time on management. You will need to find tenants once and then withdraw money once a month. 8 points.

Pros and cons of this investment method:

Pros:

• A clear scheme for generating income.
• High reliability.
• You don't need any special knowledge or experience in investing.

Minuses:

• High entry threshold.
• Low profitability.

Conclusion. Investing in residential real estate is a way of investing money that is understandable to everyone. This method is especially popular with conservative investors who do not want to take risks.

11. Investments in business.

Of course, here we will not talk about investing in creating a business from scratch, but about buying an existing company. Creating a business from scratch is hard work with unpredictable results. An investor is interested in an established business with streamlined processes that generates a stable income.

To find a company to buy, you can use newspapers or bulletin boards. But most often, the entrepreneur does not talk about the sale of his brainchild, so as not to raise doubts among employees and clients.

Therefore, they prefer to contact brokerage companies that will sell their business. They also distribute information about the sale among friends and acquaintances.

Once you have found a suitable business, you will need to audit it to ensure that business processes are in order. This whole procedure can turn into an insurmountable obstacle for a beginner. 1 point for simplicity and clarity.

Super-profitable businesses are rarely sold, so you should count on average profitability. Of course, profitability greatly depends on the type of activity and quality of management. I'll put it 6 points.

Many people think that entrepreneurs only sell unprofitable businesses. But actually it is not. The reason for the sale may be: an urgent need for money, disagreements between owners, loss of interest, lack of time (especially if one entrepreneur has several types of business), etc.

The audit will help analyze the reliability, profitability and prospects of the business. Therefore, the chance of buying a loss-making asset is very small. I bet 7 points.

The barrier to entry into this type of investment is relatively high. Yes, there are very small companies, but they don’t cost a penny. Buying a profitable business with streamlined processes is similar in cost to buying real estate.

People often join together in groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I'll put it 2 points.

If you urgently need money, the company can be sold. If your business is unprofitable, then selling it will be difficult or almost impossible. It is easier to sell a profitable business, but most often this procedure takes a lot of time. That's why 3 points.

If you begin to independently manage the purchased company, you will turn from an investor into a businessman. Therefore, you will need to hire an executive director to manage your business. But even in this case, you will have to control it and analyze the company’s activities.

And you will need to select a manager yourself. That's why 2 points.

Pros and cons of this investment method:

Pros:

• A reliable and profitable type of investment.
• You can choose the business that you like and understand.

Minuses:

• Complex procedure for selecting and registering a business.
• High entry threshold.
• It will be necessary to delve into business processes and, to some extent, manage the company.

Conclusion. I believe that if you have sufficient capital, buying an existing business is one of the best ways to invest money. But it is advisable that you like the type of activity your company does and have at least minimal experience in running a business.

12. Investments in content sites.

This method of investing is similar to investing in a business, but with a simpler purchasing and management process. Again, there is no need to create and promote a website. You can simply buy a ready-made project.

The website itself is more of a tool than an asset. The real asset is the audience that comes to this project every day. The site owner makes profit through advertising, affiliate programs and other sources of monetization.

To purchase a site, you can use the exchange. One of the most popular exchanges in RuNet is Telderi.ru. In the list of sites for sale, you can see all the information on the projects: audience size, profitability, development dynamics, payback period, etc.

The transaction is protected and takes place according to the rules of the auction, where the site goes to the buyer who offers the highest price. For simplicity we can put 4 points.

Typically, normal websites are sold at a price equal to the income from it for 12 months. That is, if a project brings in 20,000 rubles a month, then the fair price for it will be 240,000 rubles.

But in most cases, on such sites, monetization does not work 100%. Thus, after “tweaking” monetization, it will be possible to recoup the investment in 6-10 months. 7 points for profitability.

If the site is made with high quality and was promoted only by “white” methods, then such a contribution can be called reliable. Of course, if you want the project to bring you profit for many more years, then you need to do at least minimal work on it. But the project will be enough for a year or two without additional investments. 8 points for reliability.

In general, some sites are sold very cheaply. You can find it for 500 rubles. But such sites should not be of interest to investors.

You can buy one expensive and high-quality site, or several average ones. Therefore, I do not recommend starting with too small amounts. I'll put it at the entrance threshold 6 points.

If the project ceases to be of interest to you or you need money, you can always sell it on the same exchange. I bet for this 4 points.

When you buy a site that will bring you passive income, you can make a profit without working on it at all for a year or two. But, over time, without administration and updates, the project will lose its audience, bringing less and less income. I'll put it 4 points.

Pros and cons of this investment method:

Pros:

• A convenient investment amount for everyone.
• High reliability of investments.
• You can develop the project, increasing profits.

Minuses:

• You need to have minimal knowledge about websites and how to monetize them, or seek help from an experienced specialist.

Conclusion. Investing in content, information and other similar sites is one of the best ways to invest. This type of investment can easily be turned into a business by working on purchased sites and increasing profits.

Which method do you like best?

Most Russians today live from paycheck to paycheck, paying off loans. But, some still have the opportunity to save a little.

If you belong to that part of the population that has free funds, you will probably be wondering where to invest money in 2017 so as not to lose. We will analyze expert advice and opinions of specialists in today's material.

Purpose of investment

The most important thing is to determine the purpose of your investments in order to decide where it is better to invest your money in 2017:

• To avoid inflation
• To save, accumulate
• To earn money
• To (possibly) make a big profit

Let's start with investments with the lowest risk and, accordingly, low income. If you are interested in large profits accompanied by risk, you are at the end of the article.

Contribution to avoid inflation

Time goes by - prices are rising, this is an irrefutable fact. What could previously be bought for 1000 rubles now costs an order of magnitude higher. That is, the value of a bill that has been in a wallet for a year gradually “melts.” The reason for this is inflation.

The authorities present us with fairly modest inflation parameters. For example, for 2016 – only 5.76%. But people are not blind - we can clearly see the increase in prices for food, fuel, gasoline, equipment, and clothing. Nobody undertakes to measure the actual level of inflation - the figures obtained are too frightening for the population (no less than 9.5%-11%). Accordingly, in order for your savings to retain their value, you need to provide them with a profit at this level.

Bank deposits cope with this task at least. Compared to previous years, their profitability has decreased significantly, but they still bring some profit. Having set a goal, you can still find a profitable investment with a yield of up to 9.5-10% - this will be enough to bypass losses from inflation. Remember that deposits over 1.4 million rubles are not safe (they are not insured by the DIA)!

Save and accumulate

If your goal is not to spend the available amount and by the end of the year to save (for example) for a vacation for the family, we again use a bank deposit, but this time with the possibility of replenishment, without the function of partial withdrawal.

This type of deposit will bring less income, but will give you a chance to increase the investment using your own funds. The maximum income for such conditions is 7-7.5%. Theoretically, this is enough to prevent money from losing value.

Pay attention to deposit bank cards - in some cases they are more profitable than a deposit account and more convenient for replenishment.

Where to invest money in 2017 to make money?

Finally, we got to the important question - what to invest money in so that it generates income in 2017? Let's immediately decide that we will not be talking about a thousand rubles, but about more noticeable amounts. In this topic we will look at investment options with minimal risk.

• Purchasing real estate for rental (Real estate is a reliable investment in itself, and you can also receive a monthly rental income of 0.5-1% for residential properties and up to 2-3% for commercial properties);
• Purchase of land, dacha plots (You can purchase land in a soda partnership for pennies, and if you have time and patience, it is not difficult to increase the cost of the plot. Example - privatization under the dacha amnesty law is carried out on the basis of an ordinary garden book and the permission of the chairman. Price question - the state duty is 750 rubles, but at the same time, the land in the property is already valued several times more. Install light, improve the site - and in a year you will increase its value by 5-6 times. The only caveat is to choose the land wisely, it is better to take suitable land. for further construction).
• Unallocated metal accounts (Gold, platinum, silver and palladium are interesting currencies that will never depreciate).
• Antiques, jewelry - quality items and art objects are valued higher year after year. True, you need to understand a little about art and reliably determine the historical value of the acquisition.
• Currency is a dual way of earning money, but an acceptable one. Firstly, it is not necessary to store money in dollars - you can choose more stable pounds and yens. Secondly, knowing how to play on the stock exchange, you can make money on exchange rate fluctuations.
• Loans to individuals (P2P sector) – by issuing loans against receipt, you can earn good money. There is a high risk of untimely return, but the law is on your side and with a properly executed receipt you will return the investment in court. If the receipt is notarized, the court will immediately issue a decree on collection without considering the case.
• Investing in yourself – by getting a new profession, you will give yourself a chance to earn extra money. Banal hairdressing courses will already give you the basis for profit from working at home. Advanced training courses for a new category will allow you to get an increase in your salary, and a new profession can completely change your life.

Make big money... or lose everything

Experts have differing opinions on the question of where it is better to invest money in 2017. Some argue that it is better to use safe ways to make money, others suggest taking big risks. If you're prepared for both outcomes, read on.

You can get high income from investments:

• In mutual funds: there is nothing complicated here - banks offer the sale of shares from 5,000 rubles, which you can sell at any time (and benefit if their value increases). The bank invests in the assets of a company that you choose yourself - all responsibility lies with you. The chosen company may show good profitability, or it may go bankrupt.
• Shares, bonds - you can only enter the market of shareholders and minority shareholders with a lot of money. A big risk can result in a high return, or you can lose everything. Again, you need to have sufficient financial literacy to understand which stocks are best to invest in in 2017.
• Investing in startups - many talented guys have great ideas, but do not have the funds to implement their projects. Look at the board business, maybe you can become the founder of a new interesting business.
• Binary options - if you are ready to dive into studying the behavior of assets and are confident in your predictions, try the game on the stock exchange. It’s easy to lose everything here or earn up to 85% of your initial investment.
• Own business. The buy-sell scheme has always brought profit. If you know what to buy and where to sell, welcome to the ranks of individual entrepreneurs.
• Investments in microfinance organizations - from 1.5 million rubles can be invested in the development of microfinance. This sector is known for its huge profitability. However, remember: there are much more risks here than in banks, and your money is no longer insured by the DIA.

The first thing that comes to mind for most people who think about how to increase money is to put it in a bank at interest.

However, in reality, although this is a safe investment of funds, if, of course, you have chosen a reliable bank for your deposit, it is not very profitable. After all, bank interest rates are very low. In many cases, bank interest rates are lower than the actual inflation rate. But, despite this, professionals in investing personal funds recommend putting about a fifth of your personal savings at interest in a reliable bank.

Some experts advise opening a bank account in the currency in which you pay. Another popular option was the division of deposits into currencies: part in rubles, the rest in dollars and euros. This way you can protect yourself from a fall in the exchange rate of a particular currency and make money on its growth.

In a number of banks you can open deposits in precious metals such as gold, silver, platinum. The owner of such an account will benefit greatly when precious metals prices rise, but a very high income is not guaranteed, since the value of precious metals can either rise or fall.

Investments in apartments and other non-commercial real estate

Ask passers-by on the street, where is the best place to invest money so as not to lose it? Most respondents will answer that it is best to invest money in houses and apartments.

There are many rumors about the benefits of investing money in real estate, but this is the option today chosen by quite a few residents of our country, who invest money primarily so as not to lose it, and not with the expectation of high profits.

The objects of investment in this case are apartments, rooms, garages. There are several ways to make money by investing in real estate.

You can invest in an apartment at the initial stage of building a house, when the price is not too high, and then sell the property when the house is built and the cost of square meters increases. But, when planning to invest money in building a house, it is important not to fall into the housing pyramid. Have you heard about defrauded shareholders? You can articles to them!

Another way to invest money in real estate quite profitably is to buy an apartment in an already built building and rent it out. Income will be the difference between the rent and the amount of taxes and utility bills. In addition, the apartment will increase in price from year to year, which will also generate income. True, it will be possible to get it only with the sale of the apartment.

Where is it profitable to invest money: buying shares

But it’s almost impossible to predict 100 percent accurately whose shares will rise in price and for how long. Until recently, it seemed that oil and gas prices would constantly rise, but their prices are also subject to sharp fluctuations. Many economists recommend investing money profitably in shares of food industry enterprises, since food products will always be in demand. The IT sector also has very good prospects for development in the next few years.

Reliable and profitable investments - buying bonds

It has been noted that young people prefer stocks, which is risky. But the older a person is, the more often he invests money so as not to lose it - he buys bonds, which is safer than buying shares.

Investing money in bonds is not very risky, and the return may well be higher than on bank deposits. But you can also lose money on bonds. To get the most benefit from purchasing bonds, experts advise consulting with investment companies which issuers are currently the most reliable.

There are downsides to investing in bonds and stocks. Securities prices may fluctuate. And it may happen that when you urgently need money, its exchange rate will be minimal. Then you will have to sell shares and bonds at a price lower than the purchase price. So for the most profitable investment of money in stocks and bonds, you should not count on their quick sale. It is believed that on average the yield on bonds is 9–20% per annum, on shares – 35–40% per annum.

A profitable way to invest money is investment funds

When choosing the most reliable investment fund for investing money, experts recommend investing in foreign funds with a long history. Maybe the profitability in this case will not be maximum, but the capital will increase, and the money will be protected. If you want to get rich quickly, then look for a Russian investment fund that offers maximum benefits. But in this case, be prepared to lose money at any time.

It has been proven for years that there are no reliable funds in nature that invest in risky securities in order to quickly earn big money. Therefore, when choosing an investment fund to invest money in, pay attention to what its strategy is.

Thus, we looked at five profitable ways where it is profitable to invest money to make it work. Of course, there are others that are riskier, for example, trading forex, binary options, derivatives, and finally, private loans for small development