You go to work every morning, day after day, year after year. And your whole life is more like groundhog day. Every day is like the previous one. All your income received at work you safely spend on life. The result is a vicious circle. And what's next? you think. You need to change something in this life. One way to break the current situation is by investing.
After all, what is investment?
Investment is the investment of money today, with the aim of getting it tomorrow, but in a larger amount. Or getting a permanent passive income from once invested funds.
Of course, you won’t be able to find a large amount right away. Most investors start with very modest amounts, which they manage to put aside from their salary. The main thing here is constancy and time. Together with these parameters, any, even insignificant, capital can grow into a fairly decent amount, allowing its owner to receive a very good income that will exceed your current income. Please note that this will be a completely passive income, generated with little or no participation from you.
Beginning investors face many questions, the main of which is where to invest. Especially when it comes to a very small amount of money. It is the restriction on the amount of invested funds that makes its own adjustments to possible investments. But nevertheless, even with little money, there are many ways to earn and increase your hard-earned money.
Bank deposits or deposits are the simplest and most reliable type of investment. When you open a bank account, you will know in advance. how much income you will receive at the end of the term. And most importantly, GUARANTEED INCOME. Deposits are practically the only financial instrument, the yield on which is known in advance. Other investments do not carry such a guarantee. In them you can both earn and lose. Also, do not forget that the safety of deposits is guaranteed by the state (in the amount of 1.4 million rubles). If the amount exceeds this threshold, then it is better to open several deposits in different banks.
Bank deposits are used mainly as a means of initial accumulation of capital. When a certain level of funds in the account is reached, other investment opportunities become available to the investor. Why? The answer is quite simple - very low profitability. Typically, deposit rates are within the inflation rate. Therefore, getting rich on investments in deposits is unlikely to succeed.
In the conditions of a difficult economic situation in the country, foreign currency deposits began to gain popularity again. The ruble is rapidly losing its positions in comparison with other financial payment systems. And in order to at least somehow preserve their savings, deposits in foreign currency are used. And although the yield on such deposits is quite modest, in the region of 2-5% per annum, real earnings can exceed the current yield by several times. Due to the weakening of the ruble and, accordingly, the strengthening of the currency.
It was foreign currency deposits that were the most profitable over the past 5 years, among the main types of investments. Those who opened similar deposits a few years ago have already earned more than 230% of profit. For comparison, simple ruble deposits over the same period showed a yield of 83%.
Other possible ways of investing in gold (buying bullion, gold coins) just have the disadvantages that are the advantages of CHI.
How to invest money profitably: opening an account with a reliable bank
The first thing that comes to mind for most people who think about how to increase money is to put it at interest in the bank.
However, in fact, although this is a safe investment of funds, unless, of course, you have chosen a reliable bank for a deposit, it is not very profitable. After all, bank interest is very low. In many cases, bank interest is below the real rate of inflation. But, despite this, professionals in investing personal funds recommend putting about a fifth of personal savings at interest in a reliable bank.
✓ In a number of banks, you can open accounts in precious metals, such as gold, silver, platinum. The owner of such an account will benefit greatly from the rise in prices for precious metals, however, a high income is not guaranteed, since the value of precious metals can both rise and fall.
✓ 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. So you can protect yourself from a fall in the exchange rate of a particular currency and earn on its growth.
As for the profitability of bank deposits in 2020, it, according to experts, will decline.
If there are no economic and geopolitical shocks, by the end of the year we can expect a reduction in deposit rates by another 0.3-0.5 percentage points, admits Ivan Uklein, Bank Ratings Director, Expert RA.
But if not contributions, then what? The low yield on deposits in 2020 stimulates the transition of depositors to the stock market. Experts believe that last year's boom in individual investment accounts (IIAs, which increased by 2.76 times in 2019 - 1.65 million) is likely to continue this year.
A combination of IIS + OFZ can be profitable today ...
IIS (individual investment account) is a type of brokerage account, it is often chosen by former investors, since the state provided additional income in the form of a tax deduction on such accounts (up to 52 thousand rubles a year).
But you need not take money from the IIS for three years from the moment it was opened, otherwise the deduction will have to be returned. The maximum amount from which you can receive a deduction is 400 thousand rubles.
One of the most risk-free options for buying through IIS is OFZ (government bonds). The combination of IIS + OFZ can give a yield 2-2.5 times higher than deposits with a comparable level of reliability, says BCS Premier investment strategist Alexander Bakhtin.
... or, alternatively, IIS + corporate bonds
In addition to OFZ, you can buy corporate bonds. The main risk is the bankruptcy of the company that issued the paper. Therefore, it is better for yesterday's investors to make a choice in favor of bonds of large reliable issuers with a stable financial position. The yield on corporate bonds can be 7-11% per annum.
Due to additional profitability from the state in the form of a tax deduction (it brings up to 52 thousand rubles each year), income from a bundle of highly reliable bonds (primarily OFZ and bonds of large companies) and IIA can be two to three times higher than the return on deposits, he believes Head of Methodology Department at BCS Premier Aisha Kubezova.
What else to buy through IIS? Structural Products!
A ready-made portfolio of securities and currencies, which can also be bought through IIS. There are offers on the market with full capital protection. This means that under no circumstances will the investor go negative on the stock market. Profitability can reach 10-15% per annum.
Bond mutual funds
The main advantage of bond mutual funds (mutual investment funds) for former investors is that the investor immediately buys a diversified bond portfolio. The investor does not need to manage the portfolio, the entry threshold is from several thousand rubles. Investments can give a yield of 3-5% higher than the rates on deposits. The main disadvantage is the commissions to managers and the lack of insurance guarantees.
Exchange Traded Funds (ETFs)
ETF is a mutual fund-like option. An investment fund collects and invests investors' money in several instruments selected according to a certain principle - sectors of industry, countries or, for example, precious metals. ETFs trade like regular stocks: you can buy and sell through a broker at any time. They are traded on the Moscow Exchange. Their yield is higher than mutual funds, but commissions may be higher. True, there are no insurance guarantees.
Opinion
“The stock market in Russia is underdeveloped in terms of investment instruments, it is quite risky and requires at least a minimal understanding of the principles of its operation, so massive investment in stocks and bonds remains a long-term prospect, he believes senior managing director of the NKR rating agency Alexander Proklov. There is still no obvious and strong alternative to deposits in terms of both reliability and profitability, the analyst emphasizes.
7
Investments in apartments and other non-commercial real estate
A traditional type of investment in our country, which should not be forgotten either. Ask passers-by on the street where it is better to invest money so as not to lose it? Most respondents will answer that it is best to invest in houses and apartments.
Many spears have been broken about the benefits of investing money in real estate, but this option is chosen today by quite a few residents of our country who invest money, first of all, so as not to lose it, and not with the expectation of high profits.
The object 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 house when the house is built and the cost of square meters increases. But, when planning to invest in building a house, it is important not to fall into the housing pyramid. Heard about the defrauded real estate investors? You can article them!
Another way to quite profitable investment in real estate can be buying an apartment in an already built house and renting it out. The income will be the difference between the rent and the amount of taxes and utility bills. In addition, the apartment will grow 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.
Thus, we have considered 7 profitable ways where it is profitable to invest money to make it work.
“Someone can sit in the shade today just because someone planted a tree at one time.”
Warren Buffett
No matter how they say it, but investments are part of any reasonable person. In contrast to the primitive work on the system “ worked - ate“, investing money can also generate income during the holidays, even if it lasts for decades.
Trite, but true.
The question of where to invest money to make it work is relevant today more than ever, because everyone does not want to count pennies in line at the pharmacy in retirement, but to travel the world and enjoy life. But doing this on an existing pension is simply impossible.
If you think that you have a great job right now, a lot of money and you can spend everything, because tomorrow there will be more - this is not so. By not investing today, you are depriving yourself of the future.
After all, at some point you will not want or be able to work, which in this case will bring you income?
To begin with, we will show you the investment portfolio and its profitability, as an example of real investment profit figures for the last month, and then we will consider the types of investments separately.
| PAMM account (number) | Profit Loss | % Manager |
|---|---|---|
| Konkord stable profi (415171) | 4,1% | 10-20% |
| Kalsarikannit (416226) | 9,7% | 10-25% |
| CartMan_in_da house (427015) | -1,2% | 10-50% |
| FX_KNOWHOW (450950) | 20,2% | 30-45% |
| CELINDRJOEV V.J. (451520) | 9,7% | 30% |
| Victory_ForLuck_02 (446503) | 20,1% | 40-45% |
| Profit72 (435041) | 49,3% | 15-50% |
| Hipster (452975) | 128,6% | 20-35% |
| Suc 1.0 (433298) | 15,5% | 30-50% |
| Krat.co (449044) | 33,2% | 50% |
| AlpenGold999 (452288) | 78,3% | 50% |
| Lamprechtsofen2.0 (432236) | 6,3% | 20-45% |
| Respek_t (429024) | 30,4% | 15-40% |
| Moriarti (329842) | 5,8% | 20-40% |
| SL TP V (425470) | 5,8% | 0-45% |
If you have not yet decided where to invest your money, then you can focus on this portfolio. I invest only in the most reliable PAMM accounts, and before investing money, I carefully analyze and weigh the pros and cons. Managers who satisfy the ratio of reliability / profitability become part of my investment portfolio. I systematically withdraw profits, reinvest, replenish investments and add new assets.
But here on the blog I update the portfolio once a month and it is NOT a copy of my portfolio and a reason for 100% copying, as some PAMMs do not have time to get here, being short-term or high-risk, while others are excluded before the end of the month. This portfolio contains successful PAMM accounts that, in my opinion, deserve attention.
This portfolio of PAMM accounts is a rough guide and indicator of opportunities. Here are collected PAMM accounts according to the criteria of stable profitability throughout the year, in which a large number of investors invest.
You can also add more aggressive PAMM accounts, exclude unprofitable ones in time and add new profitable managers.
In this article, we will talk about where to invest money with the greatest benefit.
Investing in stocks is the classic way to invest. The average yield here can be from 10 to 20% per year, but it can be much higher.
What are stocks on the stock exchange? This, in fact, is the foundation on which the world rests, because each of us in the bathroom has funds from Nivea, Johnson & Johnson, Gillette…, everyone has phones Apple, Samsung, Lenovo… there are computers in the rooms Acer, Asus, HP, on operating systems Windows; shop furniture IKEA and clothes in the wardrobe from Versace, Lacoste, Polo Ralph Lauren Corporation.
All we want to say is that we are all consumers of the products of private companies.
If you are looking for where to invest money, then stocks are a great way to earn not only on the products of companies themselves, but also to secure a constant substantial income. This is an interesting process that will teach you how to think like an investor, understand different markets, compare prices and choose the best.
How to invest in shares?
Everything is very simple, shares are traded on stock exchanges, and they are sold through special intermediaries - brokers. You do not need to travel somewhere, stand in lines, run around with documents... You can buy shares without getting out of bed. Register, replenish the deposit and buy shares.
After all, it's not just about the name, but also about the profit. For example, capitalization Google about 500 billion dollars. Imagine What do companies need to do to double their growth?
And now let's take a small chain of clothing stores or restaurants, in order for their shares to grow by 2-3 times, it is enough to expand the sales market, open several new points of sale, and this is quite realistic to do within a year.
That is why some new startups and companies can bring not 20% per annum, but more than 1000%.
For the sake of completeness, we decided to show our example of earning on stocks.
We went to the website of a broker with whom we have been working for many years -. In assets, we selected Ferrari shares and clicked on the button BUY:
A few days later, the share price went up, as did our profit:
To make a profit on your personal account, you need to sell shares, that is, close our deal:
The results of the transaction can be viewed on the same page of the trading platform in the tab Deals:
Watch a video about investing in stocks from Robert Kiyosaki:
Investment benefits. Investing in stocks has been around for over 150 years. Every third American and every second Japanese owns shares in a company. And as you know, the pensioners of these countries are quite satisfied with their lives. Dividends and profits from owning shares can be received throughout life. Buying and selling does not take more than 10 minutes. You can start already from 200 dollars.
Minuses. Investing in shares carries the risk that the company may depreciate. But for this, it is carried out, an investment portfolio is compiled. In this case, even if one company loses positions, the remaining companies in the portfolio will provide the investor with a positive return.
Real estate - the traditional way where can you invest money. It is difficult to say something new on this topic. We have included real estate in the list where you can invest for obvious reasons. Real estate is a valuable asset for any person. Real estate can be rented out, whether it is an apartment, an office, a garage or a shopping center. Real estate, albeit not immediately, but rises in price, especially if it is purchased in a new area, where in 10 years there will be a fully populated and active center.
Although, of course, in today's realities, even for the next decade, the purchase of real estate in 99% of cases can hardly be called an investment. After all, the maximum that the majority receives - it is the safety of funds.
Advantages of investment. Safe investment with minimal risk. With a skillful approach, you can extract a monthly profit before the final sale.
Minuses. These are slow investments that in most cases turn out to be just saving money and do not increase the capital of the investor, but, on the contrary, freeze it.
Startups are young innovative companies. Many people call themselves a startup not by offering something radically new, but by presenting a new version of “ old“. In reality, a startup is a company with a product that did not exist before. 
The same Google or once were startups, offering the world something that did not exist before. In two decades, those who invested in well-known start-ups at the beginning became millionaires.
Today, new companies are born in the world that have a chance for rapid growth.
How to invest in a startup?
The most profitable way is to wait for confirmation that the company is successful, really in demand and will develop. We're talking about.
In the early days of an IPO, company stocks can rise by more than 100%.
And you don't need to hold the stock any further, on the contrary, after the first days IPO shares need to be sold fixing profits, since more than 70% of companies do not withstand further expectations of investors and the market, and fall in price to a reasonable level, and in the following years they do not grow at all, of course, we are not talking about all of them without exception.
You can inquire about new startups, upcoming IPOs, analyze companies and invest in the best of them. One successful investment can pay back the losses of 10 unsuccessful ones many times over. It is these rapid rises that make this niche very profitable for investors.
Startup benefits. If there is income, then it will be high. You can invest both at the source and later on the company's IPO.
Minuses. You need to soberly assess whether the market is ready for the company's product and look at the numbers, not the presentation.
Binary options cannot be called an investment in the classical sense of the word, but still it is the most profitable investment to date. so simple that they have only 2 conditions - UP and WAY DOWN hence the name - binary. The bottom line is that you choose an asset ( the same stocks, oil, gold, stock indices…) and specify the condition - will the price of the asset rise or fall.
Thus, you can earn not only on the growth but also on the fall of the price, using the DOWN option condition.
Among the assets of binary options, the most liquid stocks and stock indices, commodities and currencies. And this is very convenient, because according to these assets, news is released daily, which allow you to earn.
For example, tomorrow the new iPhone goes on sale - this is a clear sign that tomorrow Apple stock will rise. Buy an UP option on Apple stock and earn a guaranteed profit.
The interesting thing is that you can invest in binary options for a period of time. from a minute to a month, while the amount of profit remains unchanged - within 70-80%, depending on the asset. Instead of a lot of words, we will show you how it works on the example of a broker:
1. Choose an asset. In our case, the choice fell on stocks Google:
Specify the term of the transaction, that is, the time of its completion:
At the moment, Google stock quotes are rising, while the price has touched the lower support line. We predict growth - enter the amount of investment and click UP:
We opened a deal for 10 minutes. At the appointed time, the option was automatically closed and the broker showed the results of the transaction:
At the time of purchase of the option, the stock price was 779.205 . In the conditions, we indicated that at the time of closing the option, the price will be higher. According to the results, she was listed at the mark 780.260 . Having invested $60, we returned $102, of which $42 is net profit:
Our growth condition was fulfilled and we got 70% profit!
Advantages of investment. 70% profit in 10-20 minutes is an undeniable plus. The ease and simplicity of the process makes this type of investment the most accessible.
Minuses. For successful investments, it is necessary to analyze the asset, use strategies, and other tools, not every person is able to correctly understand the market.
We continue to review the best options where everyone can profitably invest money, and one of these options is. The creator of this opportunity was the largest broker in Russia in the foreign exchange market - which is regulated by the Central Bank of the Russian Federation and has a license from it to carry out operations in the financial market.
A PAMM account is a trader's account that investors can invest in.
Thus, a trader trades on the stock exchange not only with his own funds, but also with the funds of investors. PAMM account manager gives from 50 to 90% profit to its investors. An unlimited number of people can invest in a PAMM account, and the profit is divided in proportion to the deposits. For example, a PAMM account managed by more than 4 million dollars:
The broker provides full monitoring of the PAMM account, which reflects profit by day, week, month, transaction volumes, investment volumes and other data. Among many successful PAMM accounts, there are managers with more than three years of experience, that is, PAMM accounts have been generating profits for many years, and in general, this is not a novelty today.
In any case, PAMM accounts continue to bring good profits, the average profitability of an investor who has a portfolio of 10-15 managers from 50 to 100% per annum.
If you reinvest the profits, you can earn more 810% in just 3 years:
Benefits of investing. This type of investment has already proven itself with time and profitability. Amounts for investment are affordable for the majority of the population. You can withdraw money instantly at any time.
Minuses. There are practically no downsides to portfolio investment. It can be called a minus that some investors invest in non-professional managers with unstable trading.
A bank deposit should be considered not so much an investment as a way to store money, allowing you to more or less protect them from inflation. Profit up to 10% per annum can hardly be called serious. Nevertheless, this option is still very popular among the population, even though the country's banking system is going through hard times today.
Traditionally, investors have the greatest confidence in Sberbank, VTB, Gazprombank. They offer to place deposits at not the highest interest rates ( from 7 to 8%), but stand out favorably in terms of reliability. We do not recommend participating in long-term programs, even if they offer more favorable conditions. The current situation in the sector is such that it is better to limit ourselves to "titmouse in hand". In any case, placing money in a bank is just a way to store it. If you are interested in investing, you should look for other offers.
“How many millionaires do you know who got rich by investing in bank deposits? That's the same."
Robert J. Allen
It's a different story if you're investing through investment banks like Goldman Sachs. It is worth saying that investments there also do not bring a huge percentage, it can be the same 8-10% per annum and some risks.
Why is this being done?
It's all about the amounts. If you have $20 million, you won't put all your money in one Sberbank account, right? We all know about instability and the rules of diversification. Besides, Goldman Sachs, Barclays and similar ones can offer favorable conditions for the investor, professional portfolio management, etc.
Benefits of deposits Reliable and virtually risk-free.
Minuses. Low interest, you can withdraw money under the terms of some deposits only after 1-3 years.
If you are looking for a better way to invest in the stock market, you should probably be interested in such an option as exchange-traded investment funds (). They represent a portfolio of assets, basically, as closely as possible repeating some stock index, for example, or. Thus, by purchasing one ETF share, you immediately receive a whole diversified portfolio formed by true professionals.
In fact, ETFs are the same mutual funds - you get a share in the portfolio (in an ETF it is a share, in a mutual fund it is shares), but there are a number of differences.
In short, ETFs have created a sensation in the stock market, being full-fledged portfolios.
An important advantage of exchange-traded funds is the ability to trade throughout the day. During this time, the price of ETF shares may change, while the size of a mutual fund share is calculated only once per session. Units cannot be purchased with borrowed or borrowed funds. For ETF shares, this is acceptable. Additional commissions may be charged when trading units of mutual funds. Work with shares of exchange-traded investment funds is exempted from such "extortions".
Where to find ETF shares? In the same place where all the shares are - on the stock exchange. Actually, the process of buying Google shares from ETF shares is no different. We described this process a little higher, where there is also a list of the best brokers.
Advantages of investment. Ready-made investment portfolios of shares. There are thousands of ETFs with different portfolios. Reliable long-term investment.
Minuses. It is necessary to monitor the industry in order to sell in time if a decline begins, and as a rule, if there is a decline somewhere, then there is growth somewhere, that is, you can sell some ETFs and immediately buy others.
If there is a desire not only to earn money, but also to get aesthetic pleasure from the process, we recommend that you think about purchasing art objects. Suffice it to say that the main buyers of such things are not passionate collectors and wealthy connoisseurs, namely financial market players. You don't have to be an expert at all. You can always use the services of competent consultants.
Paintings are by far the most common commodity. On average, the creation of a popular contemporary artist today will cost from $ 5,000. Over the years, the cost of a masterpiece can increase hundreds of times.
For example, Andy Warhol's Lemon Marilyn was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.
It makes sense to acquire the works of masters of the second half of the last century - now it is them" time. Naturally, it is not worth counting on a quick return on such investments. In any case, you will become the owner of a valuable work of art, that is, a fairly reliable asset.
According to the statistics of gallery catalogs, even three-year-old paintings are already becoming more expensive by an average of 40-60%, as you understand, there are paintings among them with a growth of 1000%. As the auction houses explain, the increase in the cost of paintings is directly related to the activity of the artist. If he regularly exhibits at exhibitions, receives new awards, then with each such step his paintings can rise in price. by 100%.
Investment benefits. Very rich and developed personalities are engaged in investments in art. In addition, they can bring large percentages, especially if the artist is gaining popularity or even died.
Minuses. A long-term investment that requires the advice of an art expert. It is advantageous to collect collections of paintings by one or more artists, which can be costly.
Trading is an investment in yourself.
Now many people will think that trading is money from speculation in the stock market, profit from the amounts invested in exchange assets ... But first of all, trading is good investment in yourself.
Many people say that investing in yourself is profitable. How? Specifically in numbers? Invest in education and get a job? It's a life, not an investment.
Unlike other jobs associated with preliminary training, trading provides unlimited opportunities where it is not necessary to have an economic education. The thing is, trading starts with personal preparation. You must be prepared psychologically, and everything else - matter of technology.
In order to get into trading, you need to read at least about it, draw up an action plan, a financial plan, and start collecting information about the market and assets. Of course, not everything is so simple, but this is already the beginning. There are many examples when people earned millions in a couple of years and went on an indefinite vacation without worrying about anything.
Can a lawyer with three years of experience, or a doctor, or a manager boast of such success?
For example, the broker allows you to trade stocks, indices, commodity futures like oil, gas, metals, agricultural products, energy and others:
Why have we come to view trading as an opportunity to invest money? Because it is profitable, it is available to everyone, it is interesting and right here money is born. All banks are trading on stock exchanges, trade currencies, bonds and so on. So why invest in banks when you can earn money through the banking system yourself?
The benefits of trading. Unlimited opportunities to work for yourself, without a schedule and in comfortable conditions. Due to the vast amount of information about the markets, it is not necessary to have a financial education or special connections.
Minuses. Successful trading requires mental preparation, a sufficient deposit to survive losses and overcome risks.
Since 2015, a new concept has appeared in the legislation of the Russian Federation - individual investment account. By placing funds on such an account, you receive a guaranteed tax deduction 13% from the invested amount ( annually) or are exempt from tax on income received as a result of financial transactions.
Consider the benefits of placing money in an individual investment account:
You can only replenish your account with cash. The broker offers four investment options.
Every advanced person thinks about where it is better to invest money.
Demand generates supply and today the investor is offered dozens of places where it is profitable to invest money can be a profitable idea. Let's review the most affordable and interesting options where you can invest money in 2020, compare their pros and cons, conditions and benefits!
It is this broker that owns the PAMM account trademark, since it was he who invented this system.
Profit in this type of trust management borders on an average of 4-6% per month or 80-120% per annum considering reinvestment. Moreover, it is reinvestments that allow you to multiply your own profit and allow you to! This is a very high percentage, despite the fact that there are practically no risks with portfolio investments, and the minimum investment starts from $10. As you can see, this is the place where absolutely everyone can invest little money.
Alpari provides all the statistics and data on the manager's work, displays his transactions and trading volumes. At the moment, there are PAMM accounts that have been operating for more than 4 years and bring a stable profit. Since managers have different trading strategies, the profitability of individual PAMM accounts varies. If the conservative ones bring 4-6% per month, then the aggressive ones can give out in one month!
When investing in 10-15 different PAMM accounts at the same time, you reduce risks to the very minimum. If one account for the reporting month brings a loss, then the rest will cover this loss with their profit.
PAMM accounts are available to everyone, from the moment of registration with a broker to an investment, it will take no more than 10 minutes.
You will find more detailed information about investing in PAMM on this blog, which is dedicated to them.
pros
High profitability, practically no risks, long-term work of brokers and managers prove the stability and reliability of investments. High availability and transparency.
Minuses
For five years of investment, I have not found any cons. This is a great opportunity to have.
If money is deposited in a bank for safekeeping, then it is invested in the stock market to reap the benefits. The stock market is a platform where securities, goods and even services are bought and sold. The main platforms are stock exchanges. In Russia it Moscow Exchange— the merger of two previously separate sites, MICEX and RTS.
It is not the investor himself who has the right to trade directly on world exchanges, but an intermediary - a broker with the appropriate license. An investor opens a trading account with a broker and through it buys stock assets, like securities and others.
For me it very profitable type of investment. Not so long ago I tried all the possibilities and I am ready to tell you everything in detail.
A binary option is a contract with the condition of an increase or decrease in the price of an asset within the time period you set. If your condition is met - the price of the asset rises or falls according to your forecast at a set time, then you make a profit. Everything is arranged in such a way that even a child will understand.
Best of all, I will immediately give an example:
You can invest in options for periods ranging from one minute to a week, you set the investment period yourself. Among the assets there are shares of the largest companies in the world, such as Gazprom, Facebook, Google, Apple, Lufthansa, Mercedes, shares of world banks and corporations. And also among the assets there are assets of the commodity market (oil, gas, gold), stock indices, currencies ...
Yes, very easy! Only follow the news. If you find out what Toyota tomorrow starts selling a new series of cars, it means their stock will rise tomorrow. All you have to do is invest in a 1-day or even an hour-long Toyota stock option in the middle of the day or at the very beginning of it. If you find out that the tsunami flooded the Toyota plant, then their shares will fall and you can invest in an option with the condition of a price drop.
Thus, you see that you can earn not only on the growth of shares, but also on the fall. And there is a lot of news on companies every day, and thanks to a large number of assets, you can invest in options daily. It is enough to make only 2 successful transactions per day in order to earn more than $ 5,000 per month.
Here's a recent example as a guide:
Step 1 - choose an asset. I chose Facebook stock from binary options:
Step 2 - Specify the expiration time of the option and the forecast. I set the option expiration time to 21:35, since it is 21:25 now, I will invest for 10 minutes. In this case, I predicted the growth of the stock price and pressed the button UP:
Step 3 - I make a profit. The 10 minutes went by quickly, and Facebook stock managed to gain a bit in price:
pros
These are the most highly profitable investments, in just 5-15 minutes you can get from 70% of the profit. Many transactions can be made every day. Among the assets are the stock, commodity and foreign exchange markets. Available to absolutely everyone, the minimum investment is only $25.
Minuses
High returns come with high risks. Successful investments require preparation and careful analysis of the asset. Due to the possibilities of super short-term investments, the investor must have psychological stability, have his own strategy.
quite an old and classic way. There are many ways to invest in stocks, depending on the company. Average stock returns fluctuate from 10 to 20% per annum.
But there are exceptions, for example, Nvidia shares in 2017 added 200%.
For established companies, the average growth can be 5% per year. For example, Google, this is already a huge business, imagine what he needs to do to increase the cost by 100% in half a year? It's practically impossible. But it is enough for a small pizzeria to open a couple of new restaurants and conclude lucrative contracts in order to add 500% in a couple of months.
You will be able to see in practice how shares are bought and sold on stock exchanges NASDAQ, XETRA, and other exchanges with a broker (the minimum deposit to open an account is $250). There you can, Microsoft and more than 1000 companies from around the world.
In addition to the billion-dollar companies that have already taken place, new ones are constantly appearing, the shares of which are very cheap, but their potential, as well as the price, can increase thousands of times. For example, the same Apple when it was a small startup.
If you do not want to risk big money, but want to make money on stocks, CFD contracts are an ideal option - this is trading on the price difference.
There are more than 1000 shares in different directions, for example Adobe, Electronic Arts, AMD, Ford and so on.
I really like trading with the broker, I have been working with this broker for many years and above you saw an example of a trade at the option broker's branch.
And now I will show an example of a stock transaction. In order to buy shares, I went to the trading platform, selected Ferrari shares and pressed the button BUY:
A little later, Ferrari shares rose in price, as did my profit:
At this point, the profit is still floating, as it depends on the share price, which continues to change. To make a profit on your account, you need to sell shares, that is, close the deal, which I did:
Now my account has been credited with the profit of $73,2 :
It must be said that among the assets of the broker are not only stocks, but also all currency pairs, indices and commodities, energy and others.
pros
Shares can bring good returns, privileges and can be long-term investments.
Minuses
The market can be unstable and needs to be constantly analyzed. Although portfolio investments are quite stable even in times of crisis.
Compared to bank deposits investment in the stock market considered to be much more profitable. Although no one guarantees real profit. It all depends on the state of the stock market at the moment. More voluminous in terms of money and types of companies is the foreign market, where even children know about shares. mostly based on stocks. But in order to successfully invest in stocks, it is not enough just to have money to invest, you must be well versed in business and be able to predict.
Unlike the previous option, the Forex market is poorly suited for long-term investors. For many people, the Forex market has negative associations, but this is in vain, since it is in this market that all the money in the world is collected. And as a rule, where there is money, there are problems. Big and unregulated money has spawned many schemes, but today the market continues to operate in full.
I cannot but consider Forex as a tool for deposits, even short-term ones (2-8 weeks). Even with a small amount, you can earn a large percentage of profit here, but not everyone can do this, since it is necessary to analyze the economy, politics of countries, and monitor the situation.
For example, after analyzing the Japanese economy, waiting for a good moment - a new rate decision, a new development program ... you can open one trade for 2-8 weeks and get a good profit.
I see Forex not as short-term and fast trading, but as rarer and longer-term trades that can bring a large percentage of profit.
By the way, it is on these principles that large traders, banks and organizations work.
pros
A lot of freedom, a large selection of assets, the availability of information for everyone is the same, low initial amounts.
Minuses
The market can be unstable and needs to be constantly analyzed.
Buy physical gold for the future - one of the old traditions of saving money. And today, gold bars are freely available in almost all banks in many countries, including Russia, Ukraine, Belarus. An ingot of gold can have different weights, it varies from 1 gram to 1 kilogram. Each bank sets its own price for it.
Note that: Over the past 15 years, gold has experienced a price boom, but since 2012, it has been inexorably losing value. To date, the future of gold, and investment in gold can only be long-term.
This precious metal will not lose its main value, but even a small drop in price can bring losses to the investor, because not only capital is lost, but also time.
For me, gold (as a physical material) is still a dead asset, uninteresting. It cannot be managed, it is illiquid.
A few years ago, Warren Buffett sold all his "gold" assets and did not lose. I think that in 2020 you should not rush to invest in gold, at least you should wait until stability is established in the oil sector. If you look at the rating of mutual funds (more on this below), you can see that since 2017, mutual funds dealing in gold have been losing money.
pros
Metals have a certain physical reserve, so you should not expect strong drops in price. Metals are long-term and reliable investments. Investments in metals are available to almost everyone who has a bank account.
Minuses
The price of metals is highly dependent on different economies. You should not count on a large percentage of profit. When selling gold in a bank, you must pay a tax of 13%, this is the percentage that can be achieved over several years of investment.
Today, the most popular way for Russians to save money is a bank deposit. It inspires more confidence among citizens than investing in investment funds. Perhaps this is due to the inertia of thinking, because in the days of the USSR it was possible to invest personal funds only in a savings bank.
I would say that people do not invest money in banks, but simply deposit . The only exceptions are very, very large amounts.
Interest income at bank rates is small, on average 7-9% per annum, and the state insures up to 1,400,000 rubles each deposit against unforeseen circumstances.
Among the most reliable banks:
They offer not the largest, but stable and reliable annual interest: 7.25%, 7.4%, 7.4%, 8%. And yet, banks are a place where everyone can invest money, but it is difficult to call it an investment. Only a banker can earn in a bank, and a depositor can only save his money.
pros
The pros are that the banks are relatively reliable and you will definitely save your funds.
Minuses
7-10% returns do not justify themselves, since the inflation rate is just at this level. It's hard to call it an investment.
Mutual Investment Funds are also one of the types of capital investment where it is profitable to invest money relative to the bank. Mutual funds are created to attract investments for the purpose of trading on commodity and stock exchanges, as well as real estate transactions. Mutual investment funds have long been the most popular places where not every person from the street could invest money.
A mutual fund can be thought of as a trust – you buy units and your money is managed by the company, causing the unit prices to rise.
The yield on these deposits is not high, many mutual funds often have losses. For some reason, I never liked such organizations, at a time when now anyone can open foreign publications, look at the portfolios of successful people and buy shares in the same companies. This gives a lot more freedom.
If you decide to invest in a mutual fund, I advise you to carefully study not only the company itself, but also the market outlook, as well as ask for plans, ask a question about the future market of managers and make sure that they are confident in their actions and know how they will act in different situations.
The mutual funds are managed by professionals, but even they cannot stop the fall in prices. In this case, do not rush to sell shares. You have to wait until they rise in price again. In any case, in order to remain profitable, you need to invest in mutual funds for a long-term perspective of several years.
In order to earn and be able to make money, you need to have a solid capital.
For the most part, investments in successful mutual funds start from half a million rubles.
At the same time, it is necessary to understand that it is safer to invest simultaneously in several different mutual funds. Also, for a successful investment, you need to understand and understand the stock market, stocks and the current state of the market, and other economic factors.
A good alternative would be ETFs (exchange-traded funds). These are foreign analogues of mutual funds, only instead of shares, their maturity dates, withdrawal of money ... there are just shares. You can buy shares of the fund and sell them at any time.
pros
A good mutual fund is highly reliable, as it is regulated by the state. In good years, the profit can be up to 40% per annum. Limited risks depending on the specific conditions of each mutual fund.
Minuses
Long process of transferring and receiving money. If you do not live in the city where the mutual fund is located, then investments will be extremely inconvenient (signatures, documents, transfers). Good mutual funds may have high minimum investment thresholds.
100% returns are not uncommon in this free market. But only smart and tasteful investors can feel what exactly can have the greatest investment potential.
The most reliable investments are investments in famous artists of the last century. For example, Andy Warhol's Lemon Marilyn was purchased in 1962 for $250. After 45 years, it was sold for $28 million. 250,000% per annum.
Among contemporary artists, you should choose the most active, who are regularly exhibited in galleries and advertised in every way. Paintings by such artists can rise in price by 100-300% per year, while paintings by famous contemporary artists can be bought from 10-20 thousand dollars. It is worth saying that the main buyers of art are by no means amateurs and collectors, but players in the financial market.
Not all investors understand painting or artists, but this does not prevent them from making money on this. Such investors attract special consultants who make an objective assessment of the asset, verify the authenticity, accompany the process of buying and selling.
The payback period for an online business is approximately one to two years.
If you invest 60,000 dollars in two projects, then in 2 years you can reach a profit of 80-100 thousand dollars.
Now the topic of creating sites for the Amazon affiliate program and the like is very popular. Sites are made in English, Spanish, French and other languages, for countries with high solvency. By posting a small post about a new product or an interesting find on Amazon or another online store, you can easily interest the locals.
You need to invest in the development of a website, or a theme for WordPress, Joomla or another blogging platform. It is necessary to analyze the niche and collect key queries - payment for SEO services. Further, under these requests, you need to order copywriters to write articles in the desired language. It is important to check the copywriter with another person - the editor, they usually take 10% of the cost of the article. For promotion, social networks are best suited - Facebook, Instagram, or depending on the country.
pros
A successful project can quickly pay for itself several times over and continue to make a profit for the rest of the time.
Minuses
Investments in sites can only be with a full understanding of the matter, preferably with participation.
Right from the example. There is a villa in Greece, which is rented for tourists. The villa is large, beautiful, with staff. The approximate initial cost of the villa is about a million dollars. She rents for 4,000 per week (8 people). It is quite affordable for a company. They clean every day, the villa already has food and a dozen bottles of alcohol, a heated pool and jacuzzi, a playground, sea views and much more.
Why, having a villa for a million, rent it out for 4,000? After all, half will definitely go to staff, maintenance, tax ...
Net income per month is about 8,000, per year 96 thousand. It turns out that the payback of the villa is about 15 years, which is very good for real estate. At the same time, the value of real estate itself is also growing.
It often seems that real estate is rented cheap relative to its value, but it is actually profitable. Especially when it is a passive and reliable income, where it is not scary to invest really big money.
Investing in real estate is quite conservative but profitable, especially during a crisis and asset depreciation. It is especially profitable to invest in real estate in large cities, crowded places and resort areas.
Investing in real estate requires a large capital investment that not everyone has. But you can start small: invest in the early stages of construction. Once completed, the value of the building will increase significantly. Real estate can be quite small, for example, a garage, which does not require huge investments.
When purchasing any kind of real estate, you need to consider many factors:
For most people, the words “real estate investment” are associated with the goal of saving money, not multiplying it, so it is important to initially approach this issue very responsibly, to analyze the chosen object not from the consumer’s side, but from the investor’s side.
pros
Reliability, wide range of offers.
Minuses
Not a high profit, a minority have free money for real estate investments.
This method of investing money has a controversial reputation among businessmen, but it has a number of unconditional advantages. In order to organize your business, you need serious financial investments, extensive knowledge in the chosen field, marketing research and high-quality advertising. However, there is no guarantee that the project will be successful.
Acquiring a franchise in this sense eliminates a lot of problems - after all, the franchisor has already done all the research, worked out the technologies, invested in advertising and earned the necessary reputation and customer base. It remains only to pay him and use the ready-made developments. In fact, in this case, the investor acquires a ready-made business that has already been debugged before him, and he himself only needs to deploy it in a new place.
This kind of investment requires quite serious funds, since most franchises do not start to make a profit from the first day, and, accordingly, require certain financial injections during the period of formation and development. In addition, the cost of buying a franchise of a large network can be quite high.
It is also important to understand that such investments are unlikely to be simply forgotten - an institution, even opened in this way, in any case will require control by the founder. However, despite all the disadvantages, such investments allow you to eventually become the owner of a business that brings a stable income.
Where to invest money, everyone must decide for himself, because there can be no advice or guidance. If you like the idea of investing, then invest only in the area that you like best and where you see the future. Investments can bring good results, it is only important to start.
Where do you invest money?
Money depreciates over time, meaning it loses its purchasing power due to inflation. This process happens all the time. That is why keeping your savings under the mattress is unprofitable and unreasonable. Funds must be invested profitably. Only in this case they can be preserved and increased.
You should not think that only wealthy people can profitably invest in Moscow or another city in the country. Every person should be able to properly manage their savings. At the same time, the main danger for any investor is the lack of information. That is why it is necessary to study in detail the experience of successful people, the basic rules for investing money, expert opinions, and so on. You should start your journey by reading this article. If you are interested in information on how to work with online investments, then follow the link. Important: come back, there is a lot of useful stuff here!
There are 5 basic principles, which should be followed by every person who wants to get a good return on investment of money with the least risk. They are formulated taking into account the experience of the world's leading investors. Ignorance or neglect of these rules can be costly. Let's examine each principle separately.
Principle 1. Create a financial cushion.
Without a certain financial base, investing money is strictly prohibited. The only exception is a bank deposit. After all, it is rather not an investment, but a savings instrument. Investments are often associated with risks, when investing money you must be aware that there is always a chance of losing it.
What is a financial cushion and how to create it? We are talking about a six-month supply of money on which you and your family can live, maintaining the usual standard of living without other sources of income. To create such a pillow, you need to regularly save financial income (for example, salary) or sell existing property.
If your family spends 50 thousand rubles a month, you need to collect at least 300 thousand rubles. Only then should you think about what you can profitably invest in.
It is worth noting that you can engage in profitable investment of money without a financial cushion only if you have passive income. They call it a flow of incoming funds that does not depend on daily efforts. This can be income from your own business, renting out an apartment or dividends on shares.
Principle 2: Diversify your investment.
For money to work correctly, think about what it can be invested in in order to comply with the principle of diversification, that is, division into different instruments. This concept is probably familiar to you. In other words, it means "don't put all your eggs in one basket". After all, if it falls, you will be left with nothing. The same will happen with your funds if they are invested in one project. Always adjust your investment portfolio: let's say your investments have grown over the year in one of the industries. Then you need to add part of the money to other projects so that the invested finances do not accumulate in one area
Diversification involves investing money not only in different financial instruments, but also in sectors of the economy. For example, if money is invested in the stock market, build your portfolio so that they work in companies in different sectors.
What is an investment portfolio? It is the totality of all assets of the investor. If you have invested in a business, stocks, real estate, all these profit-making tools will be called an investment portfolio.
To make it as resistant to market changes as possible, it is recommended to distribute savings between the banking, oil and gas, manufacturing, agricultural and food sectors. If one area suffers losses, the rest will “pull” funds up and will not allow the investment portfolio to sink.
Principle 3: Control risks.
Risks are the main problem that absolutely all investors face. Before investing, think about how much investment you can lose and where you can compensate for them. Only after that it is worth predicting the possible profit.
Unfortunately, novice investors make the same mistake. Having overestimated their strength and experience, they immediately choose aggressive investments instead of investing in more conservative instruments. As a result, the investor loses all his savings.
Profitable investment of funds is the same science as any other professional business where a serious approach is required. That is why it is necessary to evolve in this direction gradually, moving from simple to complex.
Start with $100 or $1,000. You should not invest large amounts, especially in something that you know little about. Never take loans or loans with the hope of multiplying them in some super profitable way. In 99% of cases, this ends with the loss of the entire amount and debt obligations. Agree, no one wants to be in debt for 500000 or even 1000000 rubles
Thus, do not rush. Future millions will not run away if you take the time to become a good specialist in this area. Otherwise, it is impossible to earn a lot of money.
Principle 4: Attract co-investors.
As experience is gained, funds can be invested together. So you get more opportunities and can choose the most profitable investments.
For example, you know about a profitable and reliable project or tool, you have free funds, but they are not enough. Then it is worth finding people who are ready to support this investment idea and invest on a parity basis with you.
Recently, trading accounts have become a fairly common topic. In this case, people transfer their savings to a professional manager for trust management. However, he cannot dispose of them on the right of ownership. Funds can only be used for profit. The manager receives a percentage of it as a reward for good work.
Thus, several investors can create a trading account and transfer it to trust management. They take all the risks in proportion to the money invested. At the same time, investors can agree with the manager that he stop working when he receives losses in a specific percentage.
IMPORTANT: If we sum up such a scheme, we can see that experts agree that it is better for investors to be willing to donate, for example, 15% of their savings in order to earn 30%.
Principle 5. Create passive income.
Capital increase is very good. However, it is equally important to create passive income from investment activities.
Let's say you invested 100 thousand rubles in 2018, and after 1 year, in 2019, you received 130 thousand rubles. In this case, the income is 30%. But there is no guarantee that next time you will receive the same amount. It should be borne in mind that a yield of 30% is much better than a bank one. This means that the risks are also higher. If something goes wrong, you could lose all or most of your savings.
ADVICE: On the other hand, if for 100 thousand rubles you could create passive income for yourself (for example, the same 30 thousand rubles a year), you can easily take a loan for the same amount. These funds should be invested more conservatively. Asset and passive income will act as a guarantee of the return of the borrowed money.
You can start investing in Moscow or any other city in the country with any amount. If you have chosen a bank deposit, earnings on the Internet or stocks as an investment instrument, even 100 rubles will be enough.
What to do if there is no money at all? In this case, you need to start saving at least 10% of any income. Thus, the habit of creating a financial reserve for oneself will be formed. As income rises, savings will increase proportionately. The invested funds will work, and you will rest.
The fact that it is necessary to save money is said by all famous people who teach the correct handling of finances and show by example where it is better to invest. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.
Unfortunately, as their income increases, many people spend even more. Some even take out loans because they don't have enough money all the time. In this case, it is impossible to become a successful investor and earn the desired amount. That is why you need to constantly monitor the balance between income and expenses, live within your means.
Today you can find a lot of information about where to invest. There are both traditional and more modern methods.
Banks
A bank deposit is the most popular way to invest your money. However, the income generated is barely comparable to the rate of inflation.
The advantages of this method include:
Disadvantages of a bank deposit:
Real estate
You can invest in residential or commercial real estate. Of course, in the second case, you can earn more. However, the purchase of commercial real estate requires a great deal of knowledge.
Pros:
Minuses:
Mutual funds
Such organizations are a form of collective investment and use the funds of individuals. In other words, mutual funds take the money of shareholders and purchase shares of certain companies for them. The profit received is distributed in proportion to the contributions of the participants.
Mutual Funds Advantages:
Disadvantages of mutual funds:
Trading accounts (Forex market)
In this case, the money is transferred to the management of a professional trader. He makes currency transactions in the Forex market. At the same time, account holders can control their savings and, if necessary, stop the work of the manager and withdraw the money earned.
Pros:
The only disadvantage of trading accounts is high risks. Each manager can lose funds, regardless of his experience.
Binary Options
In this case, the trader determines whether the value of the underlying asset will be higher or lower than its current price by the time of expiration. If the forecast comes true, he makes a profit. A very simple and fast way to make money, however, the risks are appropriate: without a clear strategy, you should not invest thoughtlessly.
Pros:
Minuses:
Issuance of microloans through the stock exchange
In this case we are talking about P2P lending, that is, when the lender and the borrower are ordinary citizens. They cooperate through various exchanges without the participation of banks.
Pros:
Minuses:
Business
Do you have an entrepreneurial spirit and some commercial experience? Then own business can become the most profitable investment. There are also certain risks here. However, the investor can flexibly manage them, since he makes decisions on his own.
Pros:
Minuses:
Securities
The use of this tool requires professionalism and skill. There are many examples where the shares of some firms have grown several times in a short period of time. However, there are hundreds of other organizations that have gone bankrupt. Nobody advertises this. There is no guarantee that the money invested will bring a profit.
Benefits of securities:
Minuses:
precious metals
Precious metals have always been highly valued, and their value is increasing every year. That is why this method is one of the most reliable. Money can be profitably invested in gold, silver, platinum and palladium.
Pros:
Minuses:
Art
Paintings, sculptures, antiques, retro cars and so on are considered as an investment asset. Money invested in art can be easily withdrawn by selling exhibits at auction.
The advantages of this method:
Minuses:
Venture funds
Venture funds accumulate on their accounts the funds of investors who invest in the development of startups. The most popular are innovative and high-tech projects, because their prospects are much higher, and technological start-ups require initial capital to get started, but the revenue is much higher.
Advantages:
Flaws:
HYIPs
is an investment fund operating on the principle of a financial pyramid. In this case, the money is paid out from the funds of new investors. How to make money in such projects can be easily found on the Internet, this industry is built on advertising noise and each developer tries to make the project as accessible as possible.
Pros:
Minuses:
Cryptocurrencies
- this is the same money, only in digital format. We are talking about Bitcoin, Litecoin, Namecoin and so on.
Pros of investing in cryptocurrency:
Minuses:
Sites under CPA
If you are looking for where to invest money, you can also choose to invest in an information site, forum or blog. It must be created for a CPA affiliate program. These sites host thematic traffic and affiliate links. The owner receives money for a certain user action (for example, buying a product, watching a video, downloading a file, filling out a questionnaire, and so on).
Advantages:
Flaws:
MFA sites
MFA sites are designed to make money on contextual advertising Google Adsense.
Pros:
Minuses:
Such sites are created to sell rental or permanent links. This way of earning was very popular in the past. However, today there is a decrease in income due to increased risks for buyers.
Pros:
Minuses:
Phone applications
The easiest way to make money is on simple phone applications that can help in some way in life. They can also combine useful information on a particular topic. In addition, these may be free applications in which you can buy something while using it.
The advantages of this method:
Flaws:
This method can be called very good. However, it is precisely ideological active performers that are needed. Making money on the Internet is a very promising direction, if you pay due attention to it and approach it as a serious investment. 95% of the publics are now “dead”, their owners spent their own funds on advertising and promotion, but did not receive the expected profit due to a frivolous attitude to the project.
This method has the following advantages:
Flaws:
Investing in your development
If you want to invest money, choose to invest in your development. This is the most profitable and risk-free way. If you do not invest in your development, everything else is practically meaningless.
Advantages:
There are practically no disadvantages to this option. You must be prepared for the fact that self-development will require a lot of time and effort.
Almost every person at least once in his life heard about making money in an online casino. And if not, then you have probably come across ads that promise crazy profits without much effort. You only need to go through a simple registration, and then proceed according to a strict scheme. What is its essence? You need to place a bet. If you lose, it is doubled and bet again on the same color. According to the martingale law, victory will definitely await you soon. If the casino allows you to win, you need to immediately change the color. After that, the player acts according to the already familiar pattern. He bets money, loses it and doubles down. This continues until the person runs out of funds or wins.
Among the methods of making money on the Internet, there are different casinos. Some of them take 10-15% of the profits, and redistribute the rest among the players. However, there are not so many of them. Most online casinos take everything and just pretend to play. They work for a while, get paid, and then disappear. Soon such casinos will start their activities again. However, they are now operating under a new name and using a different website. How to make money under such conditions is a big question. The main difference between the casino is that everything is decided for you even before the bet, keep this in mind.
I do not recommend investing in online casinos, because there is no easy money. But if you still decide to bet, then play no more than 2-10 minutes a day. It is during this period of time that the casino allows itself to be beaten. If you exceed it, you will lose all your savings. Casinos are masters of pulling out your money and gamblers often go into the red. There are frequent cases when the thirst for easy money led people into a very unenviable position. If you are a gambler, it is better to refrain from this income. Not only luck works here, but also a clear program and a pseudo-random controlled by the casino organizers.
Lotteries are analogous to casinos. In this case, the organizers sell tickets, for example, to 10 000 rubles. Among them there is one winner. The winner receives 500,000 rubles, and the rest of the money goes to the organizers. The lucky one is photographed and shown to everyone as an example of the honesty of the company. This allows the organizers to attract even more money. But the probability of winning the lottery remains very small.
HYIPs are considered one of the most profitable ways to invest money. Such structures operate on the principle of a financial pyramid. They attract investors' money by promising a high return on investment, which can reach 15-100% per month. Funds are paid out as long as there is a flow of new depositors. We can say that HYIP is the same kind of casino, because you can never predict what will happen in the end, your investments can either increase or disappear. Like any other pyramid scheme, HYIP projects are a highly profitable industry, but with very high risks. I recommend making several trial investments, and even theoretical ones are better. Find any transaction that matches your planned investment and watch it. It is most convenient to keep track of several projects, so you will learn to pay attention to trends and understand the mechanics of how HYIPs work. Be skeptical of the opinions of experts who advertise HYIPs, remember that they get paid for it.
The principle of operation of such structures is quite simple and understandable. First, the pyramid itself is created. After that, active advertising of the hype on the network begins. People think that they are investing their savings in something real (for example, in Forex, futures, stocks, and so on). However, nothing is actually invested and everything is in one place. As soon as the creators see that the expenses exceed the receipts, they close the project. All those who invested money in HYIP and did not have time to withdraw it, are left with nothing.
Such pyramids live from 1 day to several years. It is on what project you will face that your win or loss will depend. It is worth noting that most HYIPs are closed on the first day due to the lack of experience of their creators. However, there is a small category of admins who have been running their projects for years. This suggests that progress does not stand still. The creators of such schemes come up with more and more new ways to work longer and earn more.
I have experience with such financial pyramid schemes. At first, I didn’t have anything good from HYIPs, although there was still a profit from time to time. Today I receive a stable income. However, as I have already said, every time HYIP admins come up with something new, and because of this, it is more and more difficult to distinguish them from normal investment projects. That is why, if you have never worked with financial pyramids and do not know how everything works, you should not invest in such projects.
Remember that it is possible to invest in HYIPs, but only their creators benefit from such investments. Also, profits can be received by those who managed to enter and exit the project on time. Unfortunately, there are not many such people. If you still decide to participate in the hype, choose a project with a longer history of work on the market. In addition, it is necessary to closely monitor its activities. At the slightest doubt, you need to promptly withdraw savings with interest. However, this does not guarantee the safety of your finances.
Also, do not invest in illegal and morally unacceptable projects. We are talking about the trade in drugs, weapons, counterfeit goods, the organization of brothels, shell companies that launder money, fraudulent schemes in the field of real estate (for example, eviction of single pensioners, re-registration of housing, corruption in construction) and so on. Even if you are promised high profitability and stability, you must understand that, firstly, you will have to answer for this, and secondly, it will be unpleasant and restless for you to spend money received at the expense of the suffering of other people. To live in peace look for fair and socially acceptable ways to make money. Only in this case you will gain financial freedom and spiritual harmony.
Do you want to profitably invest money in Moscow, but doubt your abilities? Then contact me. I have been investing on the Internet for more than 5 years and have consistently made a profit. Readers of my blog can order a professionally assembled portfolio for free. To do this, just write to the mail [email protected]. In the letter, indicate the available amount, the desired yield and a list of projects in which you have already invested. I will make every effort to ensure that the collected portfolio is profitable and successful.
